Women in Red Savers 2018

[debthaven]

When will your car be paid off plugginaway22 ? Same here about wanting to keep those savings in the bank!

At this point DH wants to wait on the car. We both take turns changing our minds.

finnime, for whatever reason we are MUCH better at paying off debt than paying back savings. So although I know your suggestion makes great sense, I'm hesitant about planning to pay back savings for anything we take out because I fear that it just won't happen.

 

[plugginaway22]

I still have about 18 months on my car loan, but in the new year may start making extra payments to shorten the term.

[azucena]

Nov 30, 2018 9:13:38 GMT -5 azucena said:

Back from our Disney cruise last week - it was phenomenal.  We did concede to putting $250 down for a deposit to cruise again in the next 2 yrs which gets us a $200 onboard credit and 10% off cruise; Disney never goes on sale.  It's refundable for the 2 yr window so seemed like a no-brainer.

I forgot that we put a chunk of the spending on a different card so when I first checked the balance I was thinking it was too low and that we did better than I thought.  The $250 plus $600 on board charges were on the second card.  Still not terrible for a fabulous vacation.  It worked out to be a double paycheck day today with mine being the third paycheck of the month.  Along with the automatic extra mortgage payment, I was able to put some money in savings.

I haven't updated in a while, so this is a lump of Nov.  Some money went out of savings and some went in.  Net effect:

11/30/18 Azucena $1,248 deposit for $16,678 (67% of $25,000 goal)

Fell off the map for a while, but here's my last update for the year.  Need to start thinking about next year's goal.  Missed making 100% this year but the cruise was worth it.

12/31/18 Azucena $708 various deposits for $17,386 (70% of $25,000 goal).

[plugginaway22]

plugginaway22, 12/31/2018  $22,817 (2018 goal $16,800)

EF online   $5,617
EF brickbank $15,000
EF tax escr   $2,200
HSA acct now $8036
Ended the year in a better place than expected!  Feels so good to have money in the bank.
I am working on goals for 2019.  Happy New Year to all.


plugginaway22, 12/1/18 $20,212 (goal $16,800)



EF online $5,412

EF brickB $13,000



EF tax esc $1800



totals $20,212



HSA acct now at $7136

[seriousthistime]

Happy 2019 Savers!

We'll give everyone a little extra time to collect their year-end numbers and get them posted to this thread.  I'll be doing the smilies on Saturday, January 5.  forwardwego will follow with the shoutouts, and then the 2018 thread will be locked. 

[chiver78]

unlocking this thread for final 2018 updates. please do not re-lock, I will do so once advised the updates are all set. thanks!  

-chiver mod

[seriousthistime]

Year-end updates!

Stars	Name	Amt. Saved	Goal	% Saved	Roses	Smilies
	azucena	$17,386	$25,000	70.0%
	chiver78	$382	$910	42.0%
	finnime	$3,860	$32,000	12.0%
	forwardwego	$44,000	$44,000	100.0%
	idlechatter	$20,224	$28,350	71.3%
	Jaguar	$303	$4,080	7.4%
	lazysundays	$9,898	$60,000	16.5%
	Maryland Monroe	$20,130	$20,000	100.0%
	minnesotapaintlady	$18,700	$21,500	87%
	nidena	$2,910	$33,280	8.7%
	nikiz628  [1]	$9,300	$9,300	100.0%
	nikiz628 [2]	$2,408	$3,000	80.2%
	plugginaway22	$22,817	$16,800	135.8%
	Saving4Norway	$24,000	$18,000	133%
	sealy	$3,000	$25,000	12%
	seriousthistime	$21,077	$20,498	102.8%
	shanendoah	$2,500	$2,500	100.0%
	snapdragon	$15,217	$18,700	84.5%
	steph08	$6,541	$20,000	32.7%
	teachermom	$15,200	$100,000	15.2%
	tobinikui	$38,266	$50,708	75.5%
	trimatty471	$17,300	$17,300	100.0%

As usual, I leave the shoutouts to our faithful cheerleader, forwardwego.  I know she will not shout herself out, so let me do it.  forwardwego, you made it!  There was so little fanfare in your post that I had to go back to the update before that to make sure I got the correct number of roses for you!  Congratulations, friend!!!  You fought hard to get here, and you did it!

And of course, we will all miss Jaguar terribly.  I didn't want to leave her out of the chart but somehow wanted to reflect that she is no longer here to share everyone's trials and tribulations.  If you have not had a chance, please read my post above.  Jaguar faced a lot of physical and financial challenges, and knowing what little I did know when she was still with us, it is amazing to me that she was able to save anything at all.  She obviously had an unbeatable spirit, and in that respect she will be with us always.  I hope no one is offended by the way I chose to reflect her in this chart.  If anyone finds it offensive please let me know.

And if for any reason someone has an update they forgot to get in and would still like to post, go ahead and I will update the chart until forwardwego finishes her shoutouts.  After that, the thread will be locked. 

Happy New Year, Savers!   Please join me, forwardwego, and the others in the 2019 Savers thread:  
ymam.proboards.com/thread/59022/women-red-savers-2019?page=1&scrollTo=2950235

[forwardwego]

2018 Year End SHOUTOUTS:


That Jaguar was able to save at all in the midst of her serious medical challenges makes her a saving star. I wish I could have known her in person, and am grateful I had the chance to join forces with her here.

chiver78 Thank you for serving the board as an admin! Congratulations on achieving $382 and 42%. I look forward to seeing you on the 2019 saving board 

shanendoah   It seems like you have turned a corner this year, and 2019 may find you spreading your savings wings even more! Congrats on achieving 100% of your $2500 goal!!

nidena Congratulations on $2910 saved (pretty nearly $3K), hope to see you on the 2019 saving board 

sealy Good for you having $3K saved up for summer pay!! Keep up the good work, you have faced numerous challenges, keep focused on this goal and this summer you will be so glad you did 

finnime Nice work saving a net $3860! (Which actually topped $5K but life happens, right?) It's great you've already made entry on the 2019 board, I like your plan for a 2 bucket approach 

steph08 Nice work in your introductory year as a WIR Saver achieving $6541 for 32.7% 
nikiz628 Oh Niki, I can't help but admire your dancing banana  ! I love seeing how you have 2 tiers of savings, and how you have your boys' savings up and running. The Niki family tree is going to be all about saving!

lazysundays You really shined in your first WIR Saver year! Only $102 shy of $10K! And 16.5 % of your multi-year goal!! Sixteen (and a half) IS Sweet!!!

teachermom You've also made a lovely dent in your multi-year goal with $15200 saved for 15.2%! We hope your son continues to recover. Thankfully he has you to help him take it step-by-step! 

snapdragon Lovely job achieving 84.5% to goal, and having amazing adventures without a debt hangover  . Looking forward to seeing you on the 2019 WIR Savers. 

trimatty471 Lovely work scoring your second consecutive  ! Housing changes for you in 2019 should go much more smoothly with the savings skills you have built!!

azucena Nice work for you in 2018 achieving 70% AND keeping it in balance with some playtime on an amazing cruise. I love hearing how amazing vacations are when finances aren't stretched and strained. 

minnesotapaintlady Well done with $18700 and 87%. The loss of your PT job knocked some wind out of your sails but you finished strong. Being a saver sure keeps life's hits from feeling like knock out punches. 

Maryland Monroe   Excellent job scoring your dancing banana with a few extra bucks to boot. Was this your first year as a WIR Saver? Or your first year back after having been away?? Either way, well done!!

idlechatter A very good first year of savings for you too with $20224 for 71.3%. Especially nice that you were able to achieve 100% on your EF goal. Gotta love a good strong safety net!! 

seriousthistime Woo Hoo for capturing the sometimes elusive dancing banana  , a buddy for the one you earned in 2016  . I enjoyed your weekly savings chart with the emoticons (I may revive my weekly savings challenge in 2019).

plugginaway22 Congratulations on a stellar first year on WIR Saver board. You knew 2018 had many financial challenges and by being mindful and accountable you reached the moon (AKA dancing banana) and a star to boot!

Saving4Norway Another great saving year for you in 2018, to add to your 90+% in 2017 and a dancing banana in 2016. You set an awesome example of knowing what you want and making it happen through savings. Looking forward to seeing the places you'll go next! 

tobinikui It's been heartwarming to watch you grow as a WIR Saver! Being a saver has seen you through some scary unforeseen circumstances. This year you achieved an amazing $38266! and for achieving over 75% of your goal! 

[forwardwego]

And our 2018 WIR Saver Overview:


We had EIGHT winners of the somewhat elusive dancing banana:
trimatty471 shanendoah seriousthistime Saving4Norway plugginaway22 nikiz628 Maryland Monroe and yours truly. 


with plugginaway22 and Saving4Norway reaching another 30+% beyond their goals....I guess it pays to be pluggin' and saving. (ba dum tish)

trimatty471 and shanendoah were back-to-back winners having scored in 2017 also!!

With no WIR Savers in the 90% range, the Honorable Mentions go to those in the 80% range:
minnesotapaintlady  snapdragon and nikiz628 (goal #2)





2018 WIR Savers: As a group, per the final 2018 smiley update, we saved a total of $315,419... which is 55.25% of our goal of $570,926. I am so happy for and proud of this group.



Shoutout of gratitude to those who visited to encourage and to share advice and experience. I apologize for any oversights. Please all pat yourselves on the back for being a saver in 2018, and c'mon over to 2019 Savers Thread...more IS merrier.