forwardwego
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Post by forwardwego on Oct 9, 2016 16:59:04 GMT -5
Hi Savers
It's good to be here. Murphy's brother hurricane Matthew came to town. We are feeling grateful we are okay and our house and our rental property are basically okay. Trees down and large limbs. Fences damaged. Will probably take most of our EF, and I'm so glad to be a saver so I have an EF to rebuild instead of new debt to pay off.
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movinonup
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Joined: Feb 7, 2013 7:44:03 GMT -5
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Post by movinonup on Oct 9, 2016 19:37:08 GMT -5
movinonup 10/01/2016 $7,874.27 (Goal $24,829.61)
| Saved | Goal | % Saved | Periods Completed | | Monthly Challenge | $670.00 | $780.00 | 85.897% | 10/12 | | Weekly Challenge | $778.00 | $1,378.00 | 56.459% | 31/52 | | Daily Challenge | $100.37 | $671.61 | 14.945% | 41/366 | | Skiing | $1,075.90 | $2,000.00 | 53.795% |
| | House Addition | $5,250.00 | $20,000.00 | 26.250% |
| | Total | $7,874.27 | $24,829.61 | 31.713% |
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More of my skiing expenses have been paid. I put away a little more cash. I expect to receive some reimbursements this month from my health insurance. I plan to use some of the money for debt repayment and some for my savings. I don't include my retirement savings in this table. I have put away almost $15,500 so far this year in my retirement accounts. At this point, I will be happy to complete the Daily/Weekly/Monthly Challenges and meet my Skiing goal by the end of the year. -movinonup
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azucena
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Post by azucena on Oct 10, 2016 7:01:32 GMT -5
9/9 paycheck transfer of $100 for total of $44,057
9/15 daycare reimbursement of $1,144 for a total of $45,201
9/21 daycare reimbursement of $208 for a total of $45,409
9/23 paycheck transfer of $100 for a total of $45,509
10/7/16 paycheck transfer of 491 for a total of $46,000
Still need to figure out how to plug the hole on takeout food, particularly work lunches. It's become far too easy to say to myself, well of course I can eat in the work cafeteria instead of packing lunch, I definitely make enough money. And what's worse are the days when we have no leftovers in the house to take for lunch because we picked up dinner to go the night before. Headsmack! I've decided I will keep crackers and cheese on hand to make a quick lunch. Also picked up a couple of cans of soup to keep in my desk drawer at work.
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teachermom
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Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Oct 10, 2016 18:31:37 GMT -5
Touching bases.....I still haven't spent the time to add money to my savings....need to do that. I have some, but things keep coming up....ie: new snow tires, bought 1/2 a beef and 1/2 a pig....so upfront investment to save more money down the road. Just under $2 per pound for beef was a great deal!! So good too!! Helps me on eating home more often than eating out. On track to pay off my car by the end of the year....that will help as well. Anyway....hoping to have time soon to take care of putting some of this in savings.  Good job everyone!! Teachermom |
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Jaguar
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Post by Jaguar on Oct 11, 2016 19:31:55 GMT -5
Onward and upward creeping along, 2017 New Saving Year here I come 
| Saving Funds | Goals | Current | % Saved | Woo Hoo | | Gateway Voyage CDs | $573 | $0 | 0.00% | ? | | Moving Fund | $2,300 | $0 | 0.00% | ? | | Apple Air2 | $1,275 | $0 | 0.00% | ? | | Gateway Voyage Virginia Trip | $4,852 | $0 | 0.00% | ? | | GRAND TOTAL | $9,000 | $0 | 0.00% | ? |
Jaguar - 11/10/2016 - $0 - [NEW GOAL - $9,000]  = 
Next month their should be some little amount in there. Life snafu's has just been crazy on me this summer.
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Jaguar
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Post by Jaguar on Oct 11, 2016 19:33:17 GMT -5
I tweaked my Funds and Saving Amounts.  |
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TheHaitian
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Post by TheHaitian on Oct 13, 2016 12:44:42 GMT -5
I am thankful that we have the money and also thankful we did not have to add to our debt load to take care of things but God I hate depleting our savings account.
Plumbing work : $500 that was not budgeted for!
Goals for next year: SURVIVE.
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Jaguar
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Post by Jaguar on Oct 13, 2016 13:27:37 GMT -5
My whole budget is getting overhauled, basically I can have treats if I save for the sane stuff. I freaking hate adulting, sucks the damn lifeblood right outta you.
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forwardwego
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Post by forwardwego on Oct 13, 2016 19:10:11 GMT -5
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TheHaitian
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Post by TheHaitian on Oct 15, 2016 22:15:40 GMT -5
Ok spent an hour on our finances and we will have to take $1,300 out of the savings account this month to make up for some of the shortfalls we did not budget for: progesterone $400, Plumber $500 and other misc. items... I hate having to take money out of savings but I am thankful we have it for that purposes.
I am wondering if I should be using the HSA account since I am putting money on it, at least that would soften the $400/month cost for the progesterone till the baby arrives. Finances: why do you have to be so complicated!
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snapdragon
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Post by snapdragon on Oct 18, 2016 10:05:28 GMT -5
Haitian - There is a reason that it is called a Health Savings Account. If you are being squeezed than YES-- use the money as it was intended.
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nodebt42
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Joined: May 1, 2012 11:03:50 GMT -5
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Post by nodebt42 on Oct 19, 2016 13:05:50 GMT -5
10/19/2016 (2016 Goal: $6,500) | Account | Have
| 2016 Goal
| | Emergency Fund | $5,087.57
| $6,000
| | Christmas | $300.87
| $500
| Total
| $5388.44
| $6,500
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I think I'll reach my goal, but maybe not my stretch goal (which is 8K in the EF). We'll see! |
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forwardwego
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Post by forwardwego on Oct 21, 2016 6:12:35 GMT -5
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azucena
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Post by azucena on Oct 21, 2016 8:10:44 GMT -5
10/7/16 paycheck transfer of 491 for a total of $46,000
10/20/16 paycheck transfer of 100 for total of $46,100
10/21/16 daycare reimbursement of 208 for a total of $46,308
Kids are going to my mom's for the weekend so we can concentrate on painting and other minor house repairs to make progress towards being ready to list.
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forwardwego
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Post by forwardwego on Oct 27, 2016 6:03:21 GMT -5
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Jaguar
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Post by Jaguar on Oct 27, 2016 14:07:34 GMT -5
FREAKING AWESOMESOCKS! I'm in the system, I made it! The Revenue Canada tax thing will be looked at. I got my rent receipts in on time. I just called them and she told me that they got them on time. I'm in the system and I'm happy about that. If I didn't get the rent receipts to them before September 30th, then I would have to start this process all over from the start. They got them on September 27th.  |
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Jaguar
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Post by Jaguar on Oct 27, 2016 17:03:18 GMT -5
The next step is the last one, they will mail me the results of the review.
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seriousthistime
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Post by seriousthistime on Oct 30, 2016 10:15:36 GMT -5
Hi Savers, Happy Halloween Eve. I will be doing the updates on the afternoon of Wednesday, November 2. Please get your updates in by then. Thanks in advance, Seriousthistime P.S. Food for thought: where did this year go  I turn around, and all of a sudden it's Halloween. Have you had a chance to reflect on your goals for the year, whether you will meet them, and if not why you didn't? Is it something you can change in 2017? Was it just an awful year with some visits from Murphy? As you can guess, I've been thinking a lot about this lately. |
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seriousthistime
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Post by seriousthistime on Oct 30, 2016 13:45:43 GMT -5
| Goal | Added | 10/30/2016 | % Saved | | Travel | $1,500 | $20 | $2,454 | 163.6%  | | Moving fund | $1,500 | $100 | $1,616 | 107.7% | | Weekly Savings | $2,078 | $156 | $1,638 | 78.8% | | Total | $5,078 | $276 | $5,708 | 112.4% |
I am going to update my savings allocations now, and stop putting money in the moving fund (since I've moved and pretty much depleted that fund). I'm going to shift the money toward weekly savings. I'll have another moving fund for 2017 because I hope to buy a place and stop spending money on rent. Travel money is an ongoing need. |
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Deleted
Joined: Nov 22, 2024 13:47:24 GMT -5
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Post by Deleted on Oct 30, 2016 14:22:40 GMT -5
Update for November. | Fund | 2016 Goal
| Current | Needed | % Comp.
| 2016 Roth
| $5500
| $5500 | $0 | 100.00% | 2017 Roth
| $5500 | $5500 | $0 | 100.00% | Replacement Car
| $3600 | $3600 | $0 | 100.00% | | College | $2400 | $2200 | $200 | 91.67% | | Vacation | $3000 | $3000 | $0 | 100.00% | Pr. High School
| $3750 | $4400 | -$650
| 117.33% | Car Maint
| $1000 | $1125 | -$125
| 112.50% | | Christmas | $1000 | $1000 | $0 | 100.00% | Sea Base
| $500 | $500 | $0 | 100.00% | Y Membership
| $500 | $500 | $0 | 100.00% | | Total | $26750 | $27325 | -$575 | 102.15% |
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Jaguar
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Post by Jaguar on Oct 31, 2016 23:25:10 GMT -5
Onward and upward creeping along, 2017 New Saving Year here I come
| Saving Funds | Goals | Current | % Saved | Woo Hoo | | Gateway Voyage CDs | $573 | $217.74 | 38% | ? | | Moving Fund | $2,300 | $0 | 0.00% | ? | | Apple Air2 | $1,275 | $0 | 0.00% | ? | | Gateway Voyage Virginia Trip | $4,852 | $0 | 0.00% | ? | | GRAND TOTAL | $9,000 | $217.74 | 2.4% | ? |
Jaguar - 1/11/2016 - $217.74 - [NEW GOAL - $9,000] =
Just a little amount, but I'm happy.
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TheHaitian
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Post by TheHaitian on Nov 2, 2016 11:55:09 GMT -5
TheHaitian : 11/01/16 ----> $39,815.55 / $41,500.00
Will the bleeding ever stop!!! October was another one and when I look at this this year I spent 18,600 of the total $$ I have saved and that is not including the 45k not included in this race! This has been one expensive year for us and I guess I should be thankful we are getting out of it with only 15k credit card debt but damn it! Murphy needs to go visit someone else because he is no longer welcome at my house! I hope 2017 is a better year! | Account | Account Goal | Account Balance | Spent Money | Total Saved | Difference | % Goal | | Savings | 14,500.00 | 4,000.00 | 18,600.00 | 22,600.00 | (8,100.00) | 155.86% | | C - Retirement | 18,000.00 | 6,914.00 | 0.00 | 6,914.00 | 11,086.00 | 38.41% | | S - Retirement | 7,500.00 | 8,901.55 | 0.00 | 8,901.55 | (1,401.55) | 118.69% | | HSA Account | 1,500.00 | 1,400.00 | 0.00 | 1,400.00 | 100.00 | 93.33% | | TOTAL | 41,500.00 | 21,215.55 | 18,600.00 | 39,815.55 | 1,684.45 | 95.94% |
Talking of 2017 here are my goals below. I lowered the savings goals compared to last year because with a new baby we might want to loosen the strings a bit and also feel out the new expenses that comes with a baby. My wife retirement contributions is also lowered since she will be on maternity leave for half the year... Hopefully next year the Spent Money will remain at $0.00 which is the goal! | Account | Account Goal | Account Balance | Spent Money | Total Saved | Difference | % Goal | | Savings | 9,250.00 | 0.00 | 0.00 | 0.00 | 9,250.00 | 0.00% | | C - Retirement | 18,000.00 | 0.00 | 0.00 | 0.00 | 18,000.00 | 0.00% | | S - Retirement | 6,000.00 | 0.00 | 0.00 | 0.00 | 6,000.00 | 0.00% | | HSA Account | 6,750.00 | 0.00 | 0.00 | 0.00 | 6,750.00 | 0.00% | | TOTAL | 40,000.00 | 0.00 | 0.00 | 0.00 | 40,000.00 | 0.00% |
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forwardwego
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Post by forwardwego on Nov 4, 2016 6:27:17 GMT -5
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azucena
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Post by azucena on Nov 4, 2016 7:00:09 GMT -5
10/20/16 paycheck transfer of 100 for total of $46,100
10/21/16 daycare reimbursement of 208 for a total of $46,308
Kids are going to my mom's for the weekend so we can concentrate on painting and other minor house repairs to make progress towards being ready to list.
10/31 paycheck transfer of $402 for total of $46,710
11/4 paycheck transfer of $850 for total of $47,560
A ton of painting was done including staying up until 2 am which never ever happens anymore since I'm old
I did much better in October about bringing my lunch to work. Bought a few frozen meals and started bringing crackers, cheese, and fruit when there were no leftovers to bring. My average was 4/5 days. Realized though that DH was the opposite so need to see what we can do about changing that.
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snapdragon
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Post by snapdragon on Nov 4, 2016 10:40:16 GMT -5
Everyone is so motivational about doing well and keeping on trying.
Things have been a bit hectic for me.
I ended up having to put my kitty down on Sunday. Thank goodness there was a vet open for people who don't have the ability to get somewhere before 5 and can only do most things on the weekends or later at night. I had the money in my checking account so just paid the whole bill because I didn't want the reminder of it being on a credit card so extra money is a bonus.
Than on Monday I was with my Dad as he did another procedure at the hospital. But he is doing great and hopes this is the last of his bladder cancer. I guess it is very difficult to get rid of. We are hoping that the 3rd time was the charm.
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Jaguar
Administrator
Fear does not stop death. It stops life.
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Post by Jaguar on Nov 4, 2016 11:22:15 GMT -5
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seriousthistime
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Post by seriousthistime on Nov 5, 2016 9:46:04 GMT -5
Savers, I am sooo sorry I haven't done the updates yet. I can do them Sunday night. There is still time for you to get yours in. forwardwego, so sorry for yet another interruption in your plan for the shoutouts...  Life is very unpredictable lately. That's all I'll say. |
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forwardwego
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Post by forwardwego on Nov 5, 2016 17:25:24 GMT -5
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Jaguar
Administrator
Fear does not stop death. It stops life.
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Post by Jaguar on Nov 5, 2016 17:31:42 GMT -5
Oh yes, one hour it's all normal and going along smoothly, then in a flash it's holy shit where the hell did that come from!
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seriousthistime
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Post by seriousthistime on Nov 6, 2016 21:40:20 GMT -5
Updates!
| Stars | Name | Amt. Saved | Goal | % Saved | Roses | Smilies | | 1 |  | azucena | $47,560 | $50,000 | 91.0% | |     | | 2 | | bankergurl | $18,253 | $12,000 | 152.1% | |  
| | 3 | | forwardwego | $21,634 | $24,997 | 86.0% | | | | 4 | | Jaguar | $218 | $9,000 | 0.00% |
| | | 5 | | megaptera | $13,445 | $19,500 | 69.0% |
| | | 6 |
| minnesota
paintlady | $27,325 | $26,750 | 102.2% | |
| | 7 | | movinonup | $7,874 | $24,830 | 31.7% | | | | 8 | | nodebt4 | $5,388 | $6,500 | 82.9% |
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| | 9 |
| Ombud | $5,616 | $5,500 | 102.1% | |
| | 10 | | Saving4Norway | $17,100 | $20,000 | 85.5% | |
| | 11 | | scrgrl47 | $24,069 | $43,050 | 55.9% |
| | | 12 | | seriousthistime | $5,708 | $5,078 | 112.4% | |
| | 13 | | shanendoah | $3,050 | $7,250 | 42.1% | | | | 14 | | snapdragon | $4,946 | $10,000 | 49.4% | | | | 15 | | teachermom | $6,313 | $15,100 | 41.8% |
| | | 16 | | TheHaitian | $39,816 | $41,500 | 95.9% | |
| | 17 | | tobinikui | $2,000 | $17,170 | 11.6% |
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