Women in Red Savers 2014

[Rocky Mtn Saver]

I'm also posting Friday's update today, because I'll be busy Friday and not be able to check in.  Happy saving!!

Rocky Mtn Saver:  02/28/14 $2,480 or 31% (01/01/14 = $0; Goal = $8,000)    

[Ombud]

I anticipate doing updates Sunday!! It's been a good month

[megaptera]

UPDATE

megaptera 2/28/2014 $7,000.00 [1/4/14 $0.00 / Goal: $15,000]

Good month with the tax refund and DH's overtime.

Hope everyone has a great weekend!

[Jaguar]

UPDATE :

FUND	GOALS	CURRENT	% SAVED
1ST	$520	$215	41%
2ND	$520	$-	0.00%
3RD	$520	$-	0.00%
4TH	$520	$-	0.00%
5TH	$520	$-	0.00%
6TH	$520	$-	0.00%
7TH	$520	$-	0.00%
TOTAL	$3640	$215	6%

Sugilite, 2/28/2014, $215 [ Goal $3640]



This wasn't a good month, but I know next month will be. I heard from the Plastic Surgeon I do a consultation appointment in April. So seeing what next month is I'm on track for that.

[grits]

Fund         Goal        2/28/14    %Met

car            3600        600          16.67

gifts            250          40          16.00

Hstn            600        250          41.67

Brsn          1800        400          22.22   

IRA           6000       2000         33.33   

Grits   $12250       $3290       26.86                 

[seriousthistime]

	2014 Goal	2/28/14	% Saved
Gifts	$2,600	$500	19.2%
Insurance	$5,600	$1,390	24.8%
Pet Care	$3,120	$600	19.2%
Utilities	$260	$50	19.2%
Weekly Savings	$1,378	$473	34.3%
Taxes	$5,300	$1,150	21.7%
Retirement	$28,800	$5,532	19.2%
HSA	$4,200	$805	19.2%
Total	$51,258	$10,500	20.5%

Serious this time, $10,500, 2/28/14 ($0, 1/1/14, Goal $51,258)

[Ombud]

2014	GOALS	1/2/14	2/1/14	YTD	BAL DUE	%
Reverse Weekly [band]	1378	465	285	750	628	54%
Trips / Wedding	8450	2088	575	2603	5847	31%
Holidays [rewards?]	172	88	0	88	84	51%
GRAND TOTAL	$10,000	$2591	$850	$3441	$6559	34%

[Ombud]

February Progress:

	Stars	Racer Name	Current	Goal	% Saved	Roses	Smilies
1		ambellamy	1284	$16,750	8%
2		Antivasin	535	$1000	54%
3		DVM gone riding	2383	$12,700	19%
4		FemaleSam	2600	$26,121	10%
5		Grits	3290	$12,250	27%
6		HappyCat	2000	$4000	50%
7		Idlechatter	685	$11,500	6%
8		Mak	$1275	$13,700	9%
9		megaptera	$7000	$15,000	47%
10		murpath	$3500	$17,000	21%
11		nalto	$8398	$20,000	22%
12		Ombud	$3441	$10,000	26%
13		Rocky Mtn Saver	$2840	$8000	36%
14		Saving4Norway 2014	$8500	$17,000	50%
15		Seahorse	$4050	$9100	44%
16		Sealy	$8693	$20,500	42%
17		seriousthistime	$10,500	$51,258	20%
18		Shopaholic	$7265	$18,600	39%
19		Sugilite	$215	$3000	7%
20		Teachermom	$9,048	$138,850	7%
21		Tobinikui	$13,055	$45,200	29%

[Saving4Norway]

Fund	2014 Goals	Last Month	This Month	% Met	Roses
Denmark	$2,500	$2,000	$2,500	100%	March
Sisu	$2,000	$1,500	$2,000	100%	March
Vehicles	$2,000	$1,500	$2,000	100%	March
Harley Trip	$2,000	$500	$500	25%
Gifts&Donations	$1,500	$500	$500	33%
Vacay Property	$1,500	$500	$500	33%
Palm Springs	$500	$500	$500	100%	January
Cultural	$500	$0	$0	0%
Christmas 2014	$500	$0	$0	0%
Oleana	$500	$0	$0	0%
Quilting	$500	$0	$0	0%
Home Improvement	$3,000	$0	$0	0%
TOTAL	$17,000		$8,500	50%

Saving4Norway 3/3/14 $8,500 (12/22/13 $4,000 / Goal $17,000)

[DVM gone riding]

HI! I am behind again on posting. Its a good thing all of my savings just goes automatically or I would never get a round to actually making the money go where it is suppose to! I love smartypig where I can have a whole bunch of goals and see what is in each of the accounts rather then having to spreadsheet a bunch of goals in one account!

dvm07 3/1/14 2383.08 (1/1/14=$0 Goal=$12,700)

Fund	Goals	Saved YTD	% Met	Roses
General Savings	$2,000	$315.63	15.8%
Car Needs	$500	$0.00	0.0%
Roth IRA	$5,500	$1,000.00	18.2%
Gifts	$500	$60.99	12.2%
Taxes	$1,200	$223.37	18.6%
House needs	$1,000	$40.00	4.0%
Travel	$2,000	$743.09	37.2%
Total	$12,700	$2,383.08	18.8%

[sealy]

My savings is back to zero.  

I need to start again.

[Rocky Mtn Saver]

Mar 2, 2014 21:56:27 GMT -5 sealy said:

My savings is back to zero.  

I need to start again.

 

[Jaguar]

Mar 2, 2014 21:56:27 GMT -5 sealy said:

My savings is back to zero.  

I need to start again.

It's doable hon, turn that frown upside down.

[tobinikui]

Hi all -
So... 2014 has had a seriously rough start for DH and I. DH retired in 2013, started collecting a pension, and got a new job, while I got a promotion - even though we changed our withholding, it was nowheres near enough. :-( I had been counting on a hefty refund - and as it turns out, we *owe* in taxes almost exactly what I had thought we'd be getting back. So much for that pre-baby Carribean get-away I'd been hoping for. Add onto that some health concerns for DH, including an overnight hospital stay, with the possibility for back surgery on the horizon for him, and it's been a rough couple of months.
I am 24 weeks along & all seems to be progressively "rather unremarkably" according to my doctor, which I will take as good news, for sure!!

The second piece of good news is that we paid off our second car - we are now debt-free with the exception of our mortgage. I would *not* have been so quick to pay it off if I had known about the tax/health/other nonsense going on, but our emergency fund is still intact thankfully, (as of right now), we're just cutting it significantly closer than I would otherwise like.

So, suffice it to say, our savings are going to be nowhere near what we had hoped this year. I had taken money from smaller buffer accounts to pay off the car, anticipating paying them back through February and March, however now those accounts sit empty while we save up the lump sum to pay our tax bill. Our biweekly automated savings are still progressing, but refilling those buffer accounts will take us into August at best (and well into my maternity leave). We are doing our best to reign in extraneous spending, but this year is not going as we had hoped. I take comfort though in knowing our cars are paid for though & we will come out of this on the plus side. Slowly, but surely, right?

Tobinikui: 3/3/2014 $13,054.92 ($10,028.27 Start)

[Saving4Norway]

tobinikui - You're not one to make excuses to rack up CC debt like some of my friends who create crises for themselves based on poor judgment and lack of self control. You and DH have a good head on your shoulders so I have every confidence that you'll make it thru this challenging time rather unscathed.

[Ombud]

Mar 3, 2014 15:07:45 GMT -5 tobinikui said:

Slowly, but surely, right?

Tobinikui: 3/3/2014 $13,054.92 ($10,028.27 Start)

Definitely! Those who succeed in the long run are those who build a habit of saving like we do at WIRS

Plus you've got your first  !!

[mak]

Mak 3/5/14 $2459.73 (01/1/14 $0, Goal=13,700.00)

Fund                             Goals        Previous   Added       YTD         Met 

House Down Payment  10,000.00    1,200.00     800.00     2,000.00   20.00% 

Emergency Fund          1,000.00          0.00        0.00           0.00    0.00% 

Christmas                     800.00          0.00      200.00       200.00    25.00% 

Boat Expenses               400.00        75.00         0.00         75.00   18.75% 

Family Vacation           1,500.00         0.00      184.67       184.67    12.31% 

Retirement Percentage     10%            3%         3%            6%       60.00% 

TOTAL                     13,700.00     1,275.03  1,184.70  2,459.73      17.95% 

Quick Post and run. Hopefully I can check back in later. We used our tax refund to buy 1/2 beef!

[HappyCat]

Hi Savers - My savings has not increased this month because I paid for a planned trip and a few unplanned expenses out of the funds earmarked for savings.  I will update with the next paycheck towards the end of March.

I hope everyone is doing well. 

[Ombud]

OMG!! IRS refunded me based on my documentation (3213) so if the FTB does the same (744), I'm almost there for the year

[Ombud]

So I've been thinking about this. The purpose of the weekly challenge is to gradually increase the amount you're saving so that it becomes automatic. I'm not there. I need about an extra 10k a year for trips, DS's wedding, GS1&2's band, & the holidays. So I've decided to stop individual goals and just look at the total number. It'll look different from now on

[Rocky Mtn Saver]

Well, it ain't the prettiest table, but it'll do for now! 


FUND              2014 GOALS     JAN1st     LAST UPDATE     CURRENT UPDATE     % MET
Emerg Fund        $1,000            $0             $210                 $732                    73%
2014 Roth IRA    $1,300            $0             $120                 $570                     44%
Vacation Fund     $1,000            $0             $440                 $440                    44%
Investing            $500             $0              $25                   $25                       5%
HSA                   $2,500           $0             $1,375               $1,375                 55%
Car Fund             $700             $0              $130                 $585                    84%
Insurance           $1,000           $0              $180                 $180                    18%

TOTAL             $8,000             $0              $2,480             $3,907                    49%

Rocky Mtn Saver 03/10/14 $3,907 or 49% (01/01/14 = $0; Goal = $8,000)    

[Ombud]

Already 49% met less than 1/4 of the year in

Are you working PT again? I'm a little concern that my job may end 4/20/14. But I should be fine if it does & that'll give me more time to prep for 200 hungry mouths at DS's 5/24 wedding

[Rocky Mtn Saver]

At the moment, I work FT through the year and do a little PT work as an added bonus during the spring. 

I can't imagine planning a wedding during tax season!  You're braver than I am!

[Ombud]

Fortunately I do more forensic accounting than taxes this season. And the taxes are more corporate or fiduciary than 1040. Less stress

[Rocky Mtn Saver]

I've always thought forensic accounting would be an interesting gig! 

[nalto]

nalto 3/13/14 $9,398.37 (1/14/14 $1,961.06 / Goal $20,000)

Almost halfway there! I have a feeling that my savings will slow waaay down in the coming weeks/months, so I'm happy I'm off to a decent start.

[Ombud]

Rocky Mtn Saver, off 35c on 1st multi-million dollar estate but latter ones closer. Boss says I'm done. Actually happy to not be doing taxes this year.

Wow. Today's race is looking more like drag racing ... multiple 'taps'

[HappyCat]

Update: Small Steps

2014 Savings Plan	Goal	Current	Remaining	% of Goal
EF Savings	$3,000.00	$2,300.00	$700.00	76.67%
Christmas 2014	$1,000.00	$0.00	$1,000.00	0.00%
Total	$4,000.00	$2,300.00	$1,700.00	57.50%

HappyCat: 3/18/14 $800.00 (3/18/14 $2,300.00) (Begin Balance in Savings as of 1/8/14 $1,500)


I haven't made much progress in savings but I have made progress. I have a trip planned to Myrtle Beach, SC with my two adult daughters the first week of April.  The condo rental is paid in cash, I have cash stashed for spending money but I still have a balance on my credit card for the plane tickets that I have to pay when the I receive the bill.  I'm really excited about this trip as it is the first trip in over 3 years that is for pleasure and doesn't involve taking care of a sick parent.  I would much rather have my parents but it is what it is. *sigh*. It is also the first trip my daughters and I have taken together in many years. They are 24 and 26 and I am looking forward to having them to myself for a few days.

When we return from the trip I am going to work on the Christmas savings and then go back to my EF.

i hope everyone is doing well and looking forward to Spring 2014!

[shopaholic814]

Shopaholic814 : $ ( 3/23/2014 $8,127.10 / Goal $18,600.00)

UPDATE	GOAL	PREVIOUS	CURRENT	% Saved
EF	$1,000.00	$700.00	$1,000.00	100.0%
Car Insur.	$350.00	$443.55	$250.00	71.4%
Medical Costs	$650.00	$0.00	$513.55	79.0%
Home reno 7/2014	$5,000.00	$5,033.65	$4,835.55	96.7%
CMAS 12/14	$1,600.00	$250.00	$500.00	31.3%
Car Fund	$5,000.00	$130.10	$230.18	4.6%
Travel Fund 7/2017	$5,000.00	$707.40	$797.82	16.0%
Total	$18,600.00	$7,264.70	$8,127.10	43.7%

Hi Everyone!  It has been a difficult 6 weeks since I posted my last update.  Lots of financial ups & downs- more downs than anything!!  I had to make a few adjustments to my table, we had to borrow money from our Renovation fund, and I will be paying a huge medical bill and using a big chunk of the emergency fund this week.  Next month's update will not look so good, but hopefully I will have some of that money replaced before I update again.  I hope everyone is doing well!  I will try to do some past reading after I get this posted

[seahorse]

UPDATE: Seahorse 03/23/14 $2,719.17 (01/01/14 Start $516.80 / Goal $9,100)
Diff Last Post $476.16

	01/01/14	02/14/14	03/23/14
	Goal	Previous	Current	% Saved
Christmas	$600.00	$20.00	$40.00	6.67%
Emergency	$1,000.00	$73.10	$95.00	9.50%
Buffer	$2,500.00	$483.73	$563.73	22.55%
CD	$5,000.00	$1,666.18	$2,020.44	40.41%
TOTAL	$9,100.00	$2,243.01	$2,719.17	29.88%

Another good update moving in the right direction