Women in Red Savers 2016

[seriousthistime]

(((hugs)))

[lund]

Shane, Wish you strength and a good outcome!

[Saving4Norway]

Shane - Thinking of you and your family.

When the time is right, check in with us. We are committed to you through thick and thin.

[Ombud]

 hang in there  , shanendoah

[Saving4Norway]

Fund	2016 Goals	Last Month	This Month	% Met	Roses
Demark Trip	2000	0	0	0%
Vehicles	1000	0	0	0%
Gifts&Donations	2500	2000	2000	80%
MC Trips	3000	3000	3000	100%	June
Santiago 2019	2000	0	0	0%
Home Improvement	4500	2750	4000	89%
Cultural	2000	2300	2300	115%	March
Vacay Prop	1000	1000	1000	100%	April
Sisu	500	500	500	100%	February
Christmas & PS	500	250	250	50%
Quilting	500	0	0	0%
Seabrook	500	500	500	100%	April
TOTAL	20000	12300	13550	68%

Saving4Norway 5/2/16 $13,550 (Goal $20,000)

[forwardwego]

UPDATE 7/1/2016 $13354 (goal $24000)

2016 FUND	Present	Goal	% Met	$$$ Needed
Homestead EF	2110	2000	105
Vehicle XF	810	1500	54	690
Medical XF	810	1500	54	690
Retirement Bridge	1910	9600	19	7690
SL Payoff	5000	5000	100
DD Wedding Pt 1	1150	2000	57	850
Rusty J Boxer Pt 1	650	1000	65	350
Weekly Challenge*	914	1400	65	486
TOTALS	13354	24000	55	10756

*Weekly challenge/53 Friday summary

1	2	3	X	5	6	7	8	9	X
11	12	13	X	X	X	17	18	19	X
X	22	23	X	25	X	27	28	29	X
31	32	33	34	35	36	X	X	X	X
X	X	X	X	X	X	X	X	X	X
X	X	22

14+10+22+24+20+4+50+16+40+52
+48+30+15+21+51+49+47+46+41
+45+44+43+42+26+39+38+37=914

[forwardwego]

shanendoah Thinking of you 

[snapdragon]

Snapdragon 7/01/16 --- $5231.31 / $10,000 -- update

Car/House $ 500.94 / $1500

Savings $ 1596.48/ $4000

Travel $ 3133.89 / $4500

New Totals $ 5231.31 / $10,000

[Ombud]

They fought me on UIB but apparently lost bc I'm on it. No job offers, apparently a seasonal worker but adjusting. Texted that I had work piling up on my desk so I said I'd be in, they said 'not yet,' yeah I'm seasonal.

DS still cannot walk but doing water therapy and his employer let's him telecommute due to medical status (all except a trip next week) at full salary. DIL is having difficulty keeping up with her orders

GS1's job put him on summer break but he interviewed elsewhere this week. GS2 (15) is working construction. Guess I rubbed off on them?

Ombud $1607.90 ($5500 by 12/1/16 goal)

[seriousthistime]

Update

	Goal	Added	7/1/16	% Saved	Roses
Travel	$1,500	$60	$901	60.1%
Moving fund	$1,500		$976	65.1%
Pet care	$3,120	$120	$1,560	50.0%
Weekly savings	$2,028	$78	$1,014	50.0%
Total	$8,148	$258	$4,451	54.6%

Seriousthistime, $4,451, 7/1/2016 (Goal $8,148)


Halfway there on some accounts; more than halfway on others.  No roses yet...

There should be another bit of a bump to the moving fund in the next month.  I haven't arranged for a regular deposit into the moving fund yet.  I'll start that with the next paycheck. 

This is the first summer weekend in a LONG time that I didn't need to spend time in my badly neglected yard.  Hurray for hiring help with that huge chore!  Next, the plumber needs to come out and fix a few little things.  That's scheduled for Tuesday.  And I need to finish cleaning the garage this weekend.  I started last weekend, put some things at the curb, and filled two trash cans with junk.  (One of the trash cans WAS junk so that was taken away too!) I'm adding kitty litter to old latex paint so I can put it in the trash, and am going to an oil-based paint collection in a few weeks. I've got a box of car care products posted on FreeCycle and hope to get rid of that this weekend. 

[seriousthistime]

Jul 1, 2016 10:34:02 GMT -5 Ombud said:

They fought me on UIB but apparently lost bc I'm on it. No job offers, apparently a seasonal worker but adjusting. Texted that I had work piling up on my desk so I said I'd be in, they said 'not yet,' yeah I'm seasonal.

DS still cannot walk but doing water therapy and his employer let's him telecommute due to medical status (all except a trip next week) at full salary. DIL is having difficulty keeping up with her orders

GS1's job put him on summer break but he interviewed elsewhere this week. GS2 (15) is working construction. Guess I rubbed off on them?

Ombud $1607.90 ($5500 by 12/1/16 goal)

Ombud, sounds like you and everyone else are doing just fine. Your son will be where he needs to be once he heals.  Your GS1 and GS2 certainly did rub off on you.  Why not just sit back, collect unemployment, and enjoy the summer? 

[seriousthistime]

	Stars	Name	Amt Saved	Goal	% Saved	Roses	Smilies
1		azucena	$43,434	$50,000	86.9%
2		bankergurl	$18,253	$12,000	152.1%
3		forwardwego	$13,354	$24,000	55.0%
4		megaptera	$13,195	$19,500	68.0%
5		minnesota paintlady	$23,800	$26,250	89.0%
6		movinonup	$6,345	$24,829	25.6%
7		Ombud	$1,608	$5,500	29.2%
8		Saving4Norway	$13,550	$20,000	68.0%
9		scrgrl47	$24,069	$43,050	55.9%
10		seriousthistime	$4,451	$8,148	54.6%
11		shanendoah	$3,050	$7,250	42.1%
12		snapdragon	$5,231	$10,000	52.3%
13		Sugilite	$115	$9,000	1.3%
14		teachermom	$6,313	$15,100	41.8%
15		TheHaitian	$19,502	$40,000	48.8%
16		tobiniqui	$3,500	$5,000	70.0%

[forwardwego]

Shoutouts:

shanendoah I am so sorry you are going through this setback. We are all here for you, and as Seriousthistime will agree, you earned your  &  , they will stay and will be ready for your return. In the meantime, please pop in and visit. AND...


to all WIR Savers and other WIRRs Visit and converse, ask questions. Now may be a hard time to save, but it's always a good time to gather momentum, and strategize. 

Jaguar Thank you for your admin work on the boards and for your ready support to all the savers! You got June behind you, what is your goal and plan for July? 

Ombud Yea for you rolling with the punches, and coming through....29.2%
Congrats on your work ethic coming through in the grandkids!! 

seriousthistime Yahoo for 50% and more on your individual goals and 54.6% overall!! Looking forward to your next bump up to the moving fun(d), and the auto deposits too  And another one for all that cleaning out and maintenance you are accomplishing  (I'm enjoying your new hairdos too!) 

snapdragon At the mid point of the year and you are so steady in paying it down and saving it up. Consistency has really paid for you. Looking forward to the savings you'll achieve after you've won your debt race  

Saving4Norway That's a nice climb in the home improvement category. Will you be scoring your for that in July?

minnesotapaintlady Congratulations on being just an inch away from 90% 
How are you doing with the car maintenance fund? Hopefully the vehicle is behaving itself now??

sealy I/We are cheering you on to your goal of killing off both CC balances by December. Fixing and keeping your current car seems like an excellent way to make it happen.   Good job keeping that emergency/cushion account up as a Murphy barrier.


azucena Congratulations on $43,434 saved! Although it's tough having bought during the peak of the housing market, you toughed it out and are now above water, nice work Congratulations also on your DH's raise. Looking forward to your July updates with that and the "extra check". It sounds like you are very actively getting ready for the housing transition, and working on closing any spending leaks. Thanks for keeping us in the loop on these exciting changes on the horizon.

bankergurl Hola! Where has your savings climbed to now? Maybe $20K?? That would be an awesome level. Would love to hear how you are doing. 

movinonup How are you? Busy?? What building expenses have you cash flowed (saved) in June and so far in July?

scrgrl47 How is the job hunt going? Are you still ultra busy at work??

What's up megaptera ? Word has it you are about to cross your debt race finish line

teachermom Major score on saving in June! 42% rocks!! How goes the listing and selling?? So eager to see your next update!!!

TheHaitian Awesome job rebounding on the job front! And congratulations on 48.8% of savings goal.
How are the new job and new location going?? 

tobinikui I hope your family is doing well, especially your littlest. Would love to hear from you. 

Quoting teachermom : "Way to save everyone!!! You are doing amazing and smashing those goals!!"


Shoutout also to lund for cheering us on. 



Missing our ladies PauletteG, speechchick71, chiver78, gracendignity, Rocky Mtn Saver. If you see this, please pop in and let us know how you are doing. What challenges and successes have you had?

[megaptera]

UPDATE

megaptera: 7/4/2016 $13,445.00 [1/1/2016 $0.00 / Goal: $19,500.00]

Savings	Current	Goal	%
Land	$7,195	$12,000	60%
Car	$3,000	$3,000	100%
House	$3,000	$3,000	100%
Christmas	$250	$1,500	17%
Total	$13,445	$19,500	69%

I'm a little late with my end of month update, but here it is! Not great, but not horrible. As I reported a couple of months ago, DH took a substantial drop in pay for more stability at his job, so savings has become a struggle. It's a good thing we had already saved (and paid) for many of our land development costs (permitting, engineering, etc.) because.....we broke ground!  It will continue to be a long process (clearing, installing septic, etc.), but it's finally begun. We are also continuing to max out retirement accounts, so we're doing ok there. The car should be paid off by end of August and DS1 will start paying for some of his expenses, so things should ease up a little in the next couple of months.

Thanks for the shoutouts, Forwardwego!

Good luck to everyone with their continuing financial goals.

Hope everyone has a fun and safe July 4th!

[sealy]

Praying for you and your family through this difficult time.

Jun 29, 2016 17:28:59 GMT -5 shanendoah said:

It's a legal issue, so I am not talking about it beyond revealing that it exists, and at the moment has a $51k price tag attached, that is likely to rise.

[azucena]

Jun 17, 2016 6:47:19 GMT -5 azucena said:

Previous updates

3/29 deposited bonus of $2671 for a total of $38,511
4/4 federal tax refund $510, jumped into a new tax bracket (yay, boo) so refund was less than expected but I really shouldn't complain $39,021
4/8 $550 from paycheck $39,571  I think this is a new record for my savings account, I know for sure $40,000 will be
4/18 State tax refund of $493 for a total of $40,064 (new personal record)
4/22 paycheck transfer of $100 for a total of $40,164
5/3 withdrawal of -166.11 for a total of $40,000 (cc payment was due)
5/6 paycheck transfer of $675 for a total of $40,675 (new personal record)
5/11 daycare reimbursement $830 for a total of $41,505
5/20 paycheck transfer of $100 for a total of $41,605
6/3 paycheck transfer of $1003 for a total of $42,608
6/8 daycare reimbursement deposit of $166 for a total of $42,774

6/17 paycheck transfer of $660 for a total of $43,434

New updates

6/20 daycare reimbursement of $109 for a total of $43,543
7/1 paycheck transfer of $665 for a total of $44,208

[nodebt42]

Hi all,

I just finished up at racers, so here I am at savers. I hope I'm doing this right!

Things to note: I am a renter but would like to buy in a few years if possible. My husband takes care of our one car, as he uses it way more and he bought it before we met. That said, he has a cyclical job wherein he often loses his job after the election. It's unclear if that will happen this year, but if he does, I want to save as much as possible before then to help cover that employment gap.

My stretch goal for the EF is $8,000.

Account	Have	2016 Goal
Emergency Fund	$2,202.17	$6,000.00
Christmas	$0.00	$500.00
Total	$2,202.17	$6,500.00

[seriousthistime]

Welcome nodebt42!  Your first post looks great.  

With each update, could you please add a tagline, something like this will work.  


nodebt42: 7/5/2016 $2,202.17 (Goal: $6,500.00)


Thank you!

[forwardwego]

UPDATE 7/8/2016 $13530 (goal $24000)

2016 FUND	Present	Goal	% Met	$$$ Needed
Homestead EF	2120	2000	106
Vehicle XF	820	1500	54	680
Medical XF	820	1500	54	680
Retirement Bridge	1920	9600	20	7680
SL Payoff	5000	5000	100
DD Wedding Pt 1	1200	2000	60	800
Rusty J Boxer Pt 1	700	1000	70	300
Weekly Challenge*	950	1400	67	450
TOTALS	13530	24000	56	10590

*Weekly challenge/53 Friday summary

1	2	3	X	5	6	7	8	9	X
11	12	13	X	X	X	17	18	19	X
X	22	23	X	25	X	27	28	29	X
31	32	33	34	35	X	X	X	X	X
X	X	X	X	X	X	X	X	X	X
X	X	22

14+10+22+24+20+4+50+16+40+52
+48+30+15+21+51+49+47+46+41
+45+44+43+42+26+39+38+37+36=950


ETA: Thinking I'll look for an opportunity to get my rose soon  on the RustyJ Boxer category. I love earning roses, and this is a line that I plan to build up each year without fail for our good boy. 

[forwardwego]

nodebt42  , Congratulations and welcome to the savers' thread, a place to help keep that debt gone!


Hey there bankergurl ! I'm missing you.
You've blown past your original savings goal and you've asked for suggestions for adjusting your goals. I had felt a little out of my area to be suggesting how you should save, because you are already so good at it... 
BUT I've since had an idea I hope you'll like:
You and your MO make an amazing team. So how about keeping your original goal, BUT determine to achieve it at the level of 200%, earning a dancing banana for each of you. You can do the banana dance as a couple!!!   

[seriousthistime]

I know this is small potatoes, but I am soon going to transfer some "found" money to my moving fund. 

First, I sold something at a garage sale.  I have the cash in hand but need to deposit it and transfer it to the moving fund account.  + $95.

Next, I got a gift card ($75) from my health insurance company for filling out a health assessment and questionnaire. I'll use it for general shopping (groceries, etc.) and transfer the equivalent amount out of my checking into my moving fund. +$75

Next, I participate in a big multi-year (longitudinal) study where several times a year I have to fill out long questionnaires or even have someone come to my house to ask me questions.  I just filled out one such questionnaire.  +$20.

Finally, as part of that longitudinal study someone will be coming out to my house to draw a vial of blood for DNA and other testing. I was prepared to say no to that because I know I'll have to have my blood drawn at the doctor's soon, and being a pin cushion is not fun.  But then I found that I would receive extra money for this, so I agreed.  Not sure when that's going to be done.  +$50.

So $240 will be added to my moving fund over the next month or two.  And I'm going to start transferring a regular amount to that account starting with my next paycheck.  

The moving fund will probably be my first rose. 

[forwardwego]

Good Thursday morning Savers     


Eager to put tomorrow's paycheck to work...how about you 



seriousthistime good work with your small potatoes! I just love small potatoes!!!
And an upcoming rose is very motivating.    

[forwardwego]

UPDATE 7/15/2016 $14385 (goal $24000)

2016 FUND	Present	Goal	% Met	$$$ Needed
Homestead EF	2100	2000	105
Vehicle XF	900	1500	60	600
Medical XF	800	1500	53	700
Retirement Bridge	2700	9600	28	6900
SL Payoff	5000	5000	100
DD Wedding Pt 1	1200	2000	60	800
Rusty J Boxer Pt 1	700	1000	70	300
Weekly Challenge*	985	1400	70	415
TOTALS	14385	24000	59	9715

*Weekly challenge/53 Friday summary

1	2	3	X	5	6	7	8	9	X
11	12	13	X	X	X	17	18	19	X
X	22	23	X	25	X	27	28	29	X
31	32	33	34	X	X	X	X	X	X
X	X	X	X	X	X	X	X	X	X
X	X	22

14+10+22+24+20+4+50+16+40+52
+48+30+15+21+51+49+47+46+41
+45+44+43+42+26+39+38+37+36
+35=985


Trying for my rose soon on the Rusty J Boxer category. I love earning roses, and this is a line that I plan to build up each year without fail for our good boy. 

[tobinikui]

Hi all -

I am still here, albeit quietly lurking, and waiting for my pay to return to 100%! Soon, so soon. Baby girl is 5 1/2 months old now, and is doing *great*! At this point, she's a regular little baby, just very very small for her age. She did just hit the 10 lbs mark last week though, and our pediatrician is very happy with how she's doing. I'm not quite ready to believe we're out of the woods yet, as she still has some follow-up appointments later this summer and fall. But we are getting there! Thank you so much for all of the prayers and thoughts you sent our way - we were blessed by each and every one!

We have ravaged our savings this year. Ugh. It's painful to admit, and even more painful to have done, but we save for a reason, right? Without any exaggeration, we are now starting again, from ZERO. We have savings set aside for our school tax bill in September, and car insurance in mid-August, but above and beyond those two amounts, we have less than $1000 in cash to our names right now. I am NOT proud, even though I know that's more than a lot of people have at all! At this point, we are treading water until mid-August, when my pay check will go back to 100%. I am back at work as of this week, but due to the lag, and timing, I won't see the pay increase for four weeks. We will be saving every single penny, and will be bulking up our cash savings again ASAP. I told DH that we are going to focus on the cash savings until our emergency fund is full, before we start doing anything else! So, basically, that's the plan for the next year and a half or so. I will gather up a list of our savings goals (which will include a lot of money we owe to ourselves from accounts we raided this spring). I had listed the first bunch of these on the WIRR side as "debt to ourselves", but honestly, it's savings - we're just so much closer to the edge that it feels like debt! (And to be fair, we just broke down and bought a minivan, so now we have a car payment (and a non-mortgage debt) again).

Anyway, I am going to start this savings journey from scratch again, so feel free to wipe my slate clean. I hope to get a numbers post up this weekend, both for here and WIRR.

Tobinikui ER Fund: $0 (2016 Start $4,134.17, Goal $TBD)

[tobinikui]

Here are the numbers!

Account Name	Original Balance	Remaining Balance	Paid Off / Paid %
Random	$600.00	0	0
Christmas	$1,469.53	0	0
DSD	$1,400.00	0	0
DS	$500.24	0	0
DD	$2,200.13	0	0
Taxes	$500.00	0	0
Insurances	$500.00	0	0
ER Fund	$10,000.00	0	0
Total	$17,169.90	0	0

We didn't actually drain $10k from our emergency fund this spring (it didn't even have that much to start!), but we did probably use about $5k from there. $10k is just the first step of getting it back to where I will feel comfortable. I would like to aim to get at least $12,000 saved by the end of the year, but even that may be a bit of a stretch.
Thankfully, I break down our big bills into monthly amounts, so our upcoming big ticket items will still get paid without any problems. But, I am ready to start seeing these accounts go UP again, instead of down, down, down! I'll probably start with a couple of the "easy" wins to check off a couple accounts, and hopefully by early October, we'll be steadily moving in the right direction again!

Tobinikui: $0 (Goal $17,169.90)

[Jaguar]

My only goal for July is just to get through it. It's crazy here and it will remain so until next Friday night.

[sealy]

I'm still here.

Savings is $0 but I'm still here.

[forwardwego]

sealy I'm glad you are here. The end of the month is hard for a lot of us (too much month at the end of the money?) But I'm glad you have checked in. How much do you think you could put in savings and not touch when you get your August check? Even if it's just a little it's a start. You can do it!

Jaguar It's good to see you too! I've missed you too!! I'll be glad when you have successfully finished out your crazy July. How about August??

[forwardwego]

UPDATE 7/29/2016 $14622 (goal $24000)

2016 FUND	Present	Goal	% Met	$$$ Needed
Homestead EF	2100	2000	105
Vehicle XF	1000	1500	66	500
Medical XF	800	1500	53	700
Retirement Bridge	2770	9600	28	6830
SL Payoff	5000	5000	100
DD Wedding Pt 1	1200	2000	60	800
Rusty J Boxer Pt 1	700	1000	70	300
Weekly Challenge*	1052	1400	75	348
TOTALS	14622	24000	60	9478

*Weekly challenge/53 Friday summary

1	2	3	X	5	6	7	8	9	X
11	12	13	X	X	X	17	18	19	X
X	22	23	X	25	X	27	28	29	X
31	32	X	X	X	X	X	X	X	X
X	X	X	X	X	X	X	X	X	X
X	X	22

14+10+22+24+20+4+50+16+40+52
+48+30+15+21+51+49+47+46+41
+45+44+43+42+26+39+38+37+36
+35+34+33=1052


Very happy to reach 60% of my total goal 

[sealy]

@forward I won't get paid a full check till Aug 31.
I will get a small one on August 10th that will be used to survive the rest of that month.