Women in Red SAVERS 2019

[snapdragon]

May 6, 2019 8:44:30 GMT -5 forwardwego said:

snapdragon Good 4 U, accomplishing the first half taxes while maintaining your savings in the mid $16K range! It's like having a big wave hit, but savings keeps it from rocking your boat much at all. What ideas do you have so far on your me time vacation? How much $$ stands between you and having your mortgage balance under $100K? You could set that up as a savings goal. Thanks again for your wishes for DD. She has safely moved back to Oregon, and is adjusting pretty well. 

forwardwego I have less than $5K between me and a 5 digit mortgage. So I do plan to have it in the 5 digits at the end of the year. 

On the vacation front I keep thinking about islands. Hawaii, Malta, Ireland, New Zealand, Iceland, Victoria BC. Either that or heading to the east coast and checking out New England in the fall with the leaves changing colors. I also want to visit the Application mountains so several things are ping ponging around in my head but nothing has firmed up yet. 

Glad to read that your DD is adjusting to being back in OR. 

Sending good thoughts and happy wishes out to everyone. 

Snap ~

[forwardwego]

Thanks for the Shoutouts seriousthistime and snapdragon!

Serious, You are right, we spent a lot of savings to get the rental house back in shape. And at first that felt stressful. I can truly empathize with those who find it painful to spend. But as we remind each other, we saved it to use it when we need to. I'm getting pretty excited to get past my starting point and hoping it will happen in June. I love the Cash Stash too, and am eager to do my next update because I've been able to add to it  . 

Snap, That will be super exciting to ditch that digit in your mortgage. The only place I've experienced at all from among your travel list is the Appalachian Mountains, I've done a couple hikes that overlapped with part of the Appalachian Trail. I think if I were traveling out of the country I'd like to go to Ireland. Please let us know as your destination comes into focus.

And I meant to mention in shoutouts, thanks azucena for sharing about the fees for over 6 withdrawals from savings in a month. This is a helpful reminder! Watch out Savers, those fees can sneak up on us. 

 

[debthaven]

I'm glad your DD is settling in well forwardwego.

[teachermom]

I don't do the "cash stash" per se.....but have been doing cash envelopes for month spending on some areas.....food, restaurants, entertainment, toiletries, and clothing (Was doing gas but hate going in, so I use 1 card for it and then pay every month in full). Seems like I end up not spending near as much in those areas so the cash is building up. Every once and a while, I all the cash to savings and start over.

My BF and I have also started fixing and selling lawn mowers and other small equipment. We buy them on FB or CL and fix up, clean up and resell. We split the proceeds.....so far that has netted me $600 that I haven't added to my savings yet.

Other plans this summer.....we are consolidating households. My youngest son and foster daughter are both going to college in the fall (1 hour away) but moving there. This is also where my BF lives, although not where I work, so plan is to sell my house since no one will be there. That will eliminate over $110k of my debt but also allow me to save more and pay off my student loans. He doesn't need my income to survive, so wants me to apply all my income to my student loans. It feels kind of weird to me as I have been providing for myself and my kids as a single parent since 1998, so I am struggling with it. He assures me he is good with it and wants me to be able to finally get out of debt....but I still struggle.

Anyway....we will see when the time comes. I am kind of old fashioned in the sense of living together and not married and although we do talk about a future together....nothing is in stone. That scares me. I would be giving up a ton.

Ugh! Life is so hard to figure out.

Teachermom

[forwardwego]

GOAL	AMOUNT	STARTING	$$ TO DATE	% OF GOAL	$$ TO GO
JPPCU CUSHION	2000	350	1400	70	600
DD IRA	3000	1000	1600	53	1400
RENTAL MARGIN	12000	10700	5240	43	6760
PERIODIC EXPENSE	5000	1800	3850	77	1150
CASH STASH	2000	300	800	40	1200
TOTAL	24000	14150	12890	53	11110

UPDATE 5/15/2019 $12890 (begin $14150; goal $24,000) beginning amount corrected

[paynointerest]

Update!  May 17, 2019

Pay-no-interest: $29,200 (Goal: $55,900.00)

	Goal	Saved	% of goal	Amt spent
My 403b	$19,000	$7,800	41%
457b	$9,000	$200	2%
Savings Acct	$3,000	$3000	100%
Taxable Invest Acct	$5,000	$2,100	42%
Property/Income Taxes #1	$4,200	$5,200	124%	$5,200
Property/Income Taxes #2	$8,500	$8,500	100%
DH 403b	$7,200	$2,400	33%
Total	$55,900	$29,200	52%

I added some money to my taxable savings account.  I'm almost at the 50% mark!.

[seriousthistime]

Update

Account Name	Goal	Start	Amt. Saved 5/17/19	Amt. Saved %	Roses
Gifts	$2,300	$335	$1,436	62.4%
Property Tax	$5,000	$2,984	$5,000	100.0%
Survival Fund	$6,000	$26	$728	12.1%
Household/Misc	$2,500	$1,075	$1,397	55.9%
Pet Care	$600	$130	$600	100.0%
Weekly Savings	$2,600	$0	$1,004	38.6%
Mortgage Cushion	$12,000	$4,200	$6,500	54.2%
Car Fund	$6,000	$0	$1,000	16.7%
Travel	$5,000	$0	$1,000	20.0%
Total	$42,000	$8,750	$18,665	44.4%

Seriousthistime, $18,665 5/17/19 (Goal $42,000)


Weekly Savings Tracker: 

		Week 21	Week 22	Week 23	Week 24
Week 25	Week 26	Week 27	Week 28	Week 29	Week 30
Week 31	Week 32	Week 33	Week 34	Week 35	Week 36
Week 37	Week 38	Week 39	Week 40	Week 41	Week 42
Week 43	Week 44	Week 45	Week 46	Week 47	Week 48
Week 49	Week 50	Week 51	Week 52

Still hoping to be on track with 50% overall by the end of June. 

It's odd, my savings are going up, and I have some savings in other accounts that I don't track here, so why do I feel like I don't have money?  I know some money is in various accounts that is saved for upcoming expenses, but ALL savings is to be spent at one point or another and some of the money not accounted for above is not earmarked for a particular purpose.  There have been some recent posts on here by Savers who don't want to spend the money they've saved for a certain purpose.  I guess my issue is a bit different. I don't even see it as saved.  It's kind of strange...

Someone I work with is early 70s and desperately wants to retire.  But then keeps putting it off because various siblings keep getting into financial straits and my coworker feels the need to assist (while of course resenting the need for assistance).  I'm in the same boat myself (though about 5 years younger than my coworker), with DB asking me for a loan earlier this year and DSis hinting the time may come (and soon) for her to ask.  I'm trying to steer DSis away from looking to me for a loan by asking questions like, "How will you be able to swing that?" and "How long can you put off that expense?"  My coworker has advised me to be blunt with DSis and say I'll loan her the same amount I loaned to DB, with clear repayment terms (DB is meeting the repayment terms so far). I will, if she asks, but I am not heading down that road until she does.  I have given enough hints by now for DSis that I am not too receptive to any requests for money.  I wonder if the resentment of being the sibling who's asked for money stems from the fact that both of my siblings have made it a lifelong endeavor to trash-talk the 8-to-5 routine and a regular paycheck as something for people with little imagination.  DSis lives a "buy what you want and the money will follow" path.  It's disheartening to see her make the choices she's making now, and I wonder when it will all come to a screeching halt financially.

Not my circus, not my monkeys?

[forwardwego]

Hi seriousthistime, Nice update with 44.4%! 

Very interesting. Savings that don't seem to be savings. Which of your line items doesn't feel like savings? What if it had a different title? In any event, this is a good problem as problems go  .

And on the topic of having relatives or "associates" who look to us to bail them: I see it as a lifelong challenge. Generally the askers are adults who don't value self-sufficiency enough to work harder or do without. And as adults they probably aren't going to change much. I think you are doing well by anticipating the question and giving responses that at least defer the request. I also would not open the conversation. Bob and weave, bob and weave. You know your DSis's ways pretty well. Could you possibly use that as a response if or when she asks? She likes to think "buy it and the money will follow" shows free spirit and positive mindset. (Some of us 8-5ers would call it reckless.) Something like "Sis, you have always managed before when you step out on faith, the money has always followed. I have faith you will figure it out again." Or "having loaned to our DB I won't be able to extend a loan to you" and then she can be mad at DB? I talk a pretty good game, but have difficulty in this area too. I tend to offer financial help to our grown daughter and less often to our grown, married son. I need to back off and let them manage their own financial lives even if they have to fail.

[sealy]

I was able to get a job this summer teaching for 17 days.  I'm excited.  I will have more money to put towards my debt.  I'm still hanging on to my EF but may have to use some of it to make it to the end of the month.  I made extra payments on my utilities and also my truck.  I should be fine this summer.  I plan to go to Arizona in July.  Praying that I'll have enough savings for the trip.  

Side note:  I've been watching a LOT of vandwellers on YouTube. I'm seriously considering doing it.  I'm not sure what will happen with my house though.  I might just try it for a couple summers before I retire.  Are any of you vandwellers or have you considered living in a van full time?

[debthaven]

Crazy idea seriousthistime ... IF you decide to lend Sis money, can you lend her the money Brother is paying you back? That way you're not out any more money than you already are.

I joke that DH is my EF, but he's my DH! A sibling shouldn't be an EF.

I have some savings in other accounts that I don't track here

Would you feel "safer" if you added those savings to what you post?

So glad for you about the extra work sealy !

[seriousthistime]

All your suggestions are food for thought, debthaven.

I like the idea of lending DSis the money DB is paying me.  He's already paid me $600 and will continue (I hope) at the rate of $200 per month until sometime next year. I could lend her the $600 now (or when she asks) and send her $200 per month until DB's debt is paid, and then she'd have to start paying me back at the same rate.  Sounds interesting.  It would also give her a chance to get on her feet, assuming that's possible. 

Maybe I would feel safer if I tracked the other expenses here.  

[debthaven]

I wouldn't offer until she asks ... and I wouldn't tell your brother either.

[azucena]

May 3, 2019 8:30:29 GMT -5 azucena said:

Apr 30, 2019 7:51:07 GMT -5 azucena said:

Payday deposit $615.

Should have been better, but we continue to overspend.  Honestly work has been too busy for me to care much, and I need to change that attitude.

Azucena 5/22/19 $13,736 of $25,000 goal (55%)

[azucena]

Forgot that we are getting the hot water heater replaced today for $1100.  Guess I'll be writing that check out of savings.

[tobinikui]

Tobinikui: $32,280.79 on 5/25/2019 (Goal: $105,658.00)

Account	Goal	Saved	Spent	Remaining	% Saved
ER Fund	$15,000.00	$6,009.42	0	$8,990.58	40.1%
Christmas	$3,000.00	0	0	$3,000.00	0
Random	$2,000.00	0	0	$2,000.00	0
Car Repair	$3,000.00	0	0	$3,000.00	0
Vacations	$4,000.00	0	0	$4,000.00	0
Taxes	$7,200.00	$1,776.25	$236.00	$5,187.75	27.9%
Insurances	$6,458.00	$2,168.14	$2,239.00	$2,050.86	68.2%
Retirement	$44,000.00	$14,007.95	0	$29,992.05	31.8%
Home Projects	$21,000.00	$0	$5,844.03	$15,155.97	27.8%
Total	$105,658.00	$23,961.76	$8,319.03	$73,377.21	30.6%

Progress... slow and steady. Never as fast as I'd like, but we're slowly rebuilding our ER fund. We are going to end up trying to cash flow some more home improvements, and if we do that, we'll end up having to stop most, if not all, of our automated savings above. We NEED to address the drainage around our foundation, fix the out-of-alignment cinder block wall in our garage, and then fix our driveway once the garage work is done. I may try to postpone the driveway work until next year, but we'll have to see how badly it is chewed up once the garage & drainage work is done.

My DH's new job has allowed us to put more into our retirement savings in the last 4 months than we've put into retirement in the entire length of our almost-9-year marriage. Phew! Even if other savings come to a screeching halt, I'm going to keep those retirement savings going! 

Provided things continue puttering along like they have been, my goal is to bulk up our ER fund by September (it will get depleted when the garage work gets done), and then start slowly filling the Vacation, Christmas, Random, and Car Repair accounts little bit by little bit. We have small children, and two paid-off cars, so we neither take vacations (hahahahaaa.......) nor plan on buying new cars in the foreseeable future. So, hopefully those two funds will have plenty of time to grow before we need them! Once the ER fund gets depleted, we'll redirect savings to it until it's full again, and then go back to our divided savings. 

I expect a lot of bill payment in the next week or two, with no more chunks of change being directed to savings until mid-June. I'll post some more numbers again when things get fun.

[shanendoah]

shanendoah[Q2]: $2,670 5/25/2019 (Goal: $3,020 6/30/2019)
[Q1]: $8,994 3/26/2019 (Goal: $300 3/31/2019)

It looks like I'll miss my goal by $10 this quarter. I don't know if that's because I miscalculated somewhere or what. Not going to worry too much about it.

I'll need to sit down this next month and look at savings goals. There are likely to be some big changes. Instead of getting a new couch, we have decided to donate to an endowment we are trying to get started in my department at work. That is not a huge change. But in addition, it looks like C is going to need to go back to school, and we will probably look at cash flowing that, so that will change what we can and cannot save, and make some changes to the buckets and timelines I had set up.

[nikiz628]

Apr 19, 2019 14:52:23 GMT -5 nikiz628 said:

Mar 25, 2019 10:35:07 GMT -5 nikiz628 said:

UPDATE 5/27: 

2019 Savings	START	CURRENT	GOAL	STILL NEED
Emergency Fund	$2,091.03	$3,420.85	$4,500.00	$1,079.15
DS1's Savings	$1,750.51	$1,850.78	$2,000.00	$149.22
DS2's Savings	$576.65	$676.74	$800.00	$123.26
TOTALS	$4,418.19	$5,948.37	$7,300.00	$1,351.63

NikiZ628 5/27/2019 $5,948.37 (Goal $7,300 WIRS1)

Getting my end of the month stuff done a few days early! We are officially on summer break here! I am so looking forward to NOT sharing my kiddos for 2 whole months! 

[paynointerest]

Update!  May 28, 2019

Pay-no-interest: $33,200 (Goal: $55,900.00)

	Goal	Saved	% of goal	Amt spent
My 403b	$19,000	$11,000	58%
457b	$9,000	$400	4%
Savings Acct	$3,000	$3000	100%
Taxable Invest Acct	$5,000	$2,100	42%
Property/Income Taxes #1	$4,200	$5,200	124%	$5,200
Property/Income Taxes #2	$8,500	$8,500	100%
DH 403b	$7,200	$3,000	42%
Total	$55,900	$33,200	59%

I got access to my monthly paycheck data and have included contributions to our retirement accounts for this month's paycheck.   I hope everyone had a nice Memorial Day weekend.

[teachermom]

Update: Finally got my spreadsheet updated.

Savings 2018
Fund	Goals	Beg Bal	May 2019	YTD	Spent	End Bal	% Met
Emergency Fund - Minor	$1,000.00	$1,013.01	$0.83	$1,013.84	$0.00	$1,013.84	101.38%
Emergency Fund - Major	$20,000.00	$0.22	$0.00	$0.22	$0.00	$0.22	0.00%
New Car	$20,000.00	$10.57	$0.01	$10.58	$0.00	$10.58	0.05%
NHRA Nationals	$1,000.00	$35.11	$0.03	$35.14	$0.00	$35.14	3.51%
Spring Break 2019	$500.00	$506.19	$0.01	$506.20	$500.00	$6.20	101.24%
MN Trip 2019	$1,000.00	$683.44	$316.64	$1,000.08	$0.00	$1,000.08	100.01%
Vacation	$2,000.00	$5.36	$0.00	$5.36	$0.00	$5.36	0.27%
Student Loan Payoff	$10,000.00	$5.01	$0.00	$5.01	$0.00	$5.01	0.05%
Training Classes	$500.00	$1,624.72	$0.00	$1,624.72	$1,620.00	$4.72	324.94%
Landscaping	$500.00	$5.06	$449.28	$454.34	$0.00	$454.34	90.87%
Basement Remodel	$3,000.00	$2,001.77	$998.23	$3,000.00	$1,764.26	$1,235.74	100.00%
Hardwood Floors	$3,000.00	$5.04	$0.00	$5.04	$0.00	$5.04	0.17%
Bathroom Updates	$100.00	$105.29	$0.09	$105.38	$0.00	$105.38	105.38%
Kitchen Remodel	$3,000.00	$1,724.80	$0.18	$1,724.98	$1,500.00	$224.98	57.50%
Electrical Updates	$3,000.00	$5.02	$0.00	$5.02	$0.00	$5.02	0.17%
Plumbing Updates	$7,000.00	$899.23	$200.73	$1,099.96	$0.00	$1,099.96	15.71%
403 B Loan Payoff	$17,000.00	$17,039.97	$0.00	$17,039.97	$16,439.29	$600.68	100.24%
Appliances	$3,900.00	$5.05	$0.00	$5.05	$0.00	$5.05	0.13%
Home Maintenance	$1,000.00	$201.20	$0.16	$201.36	$0.00	$201.36	20.14%
Car Maintenance	$2,000.00	$1,406.72	$50.47	$1,457.19	$830.00	$627.19	72.86%
Car Tires	$1,000.00	$204.13	$0.00	$204.13	$200.00	$4.13	20.41%
Insurance Deductible	$1,000.00	$3.51	$0.00	$3.51	$0.00	$3.51	0.35%
Gifts	$2,500.00	$404.27	$109.48	$513.75	$0.00	$513.75	20.55%
Taxes	$3,000.00	$2,355.74	$181.46	$2,537.20	$2,195.00	$342.20	84.57%
Total Savings	$107,000.00	$30,250.43	$2,307.60	$32,558.03	$25,048.55	$7,509.48	30.43%

Still just plugging away. Won't have anymore deposits before the end of the month, so thought I would get this posted. Completed 7 goals so far! Whoop!

Teachermom1965 $32558.03 5/31/2019 ($18,458.28 1/1/2019, Goal $107,000)

[NastyWoman]

May 21, 2019 8:43:26 GMT -5 seriousthistime said:

All your suggestions are food for thought, debthaven .

I like the idea of lending DSis the money DB is paying me.  He's already paid me $600 and will continue (I hope) at the rate of $200 per month until sometime next year. I could lend her the $600 now (or when she asks) and send her $200 per month until DB's debt is paid, and then she'd have to start paying me back at the same rate.  Sounds interesting.  It would also give her a chance to get on her feet, assuming that's possible. 

Maybe I would feel safer if I tracked the other expenses here.  

seriousthistime , sorry for piping up so late but I doubt the loaning money over time concept will work well in this scenario.

I'm not sure how to put it into words exactly so I will use a hypothetical scenario instead:

Assumption 1 → you loaned DB $2,000 and he is repaying as planned (that last one is based on your statement, not an assumption.

Assumption 2: you loan sis $600 now and $200/month for the next 7 months.. So once she has received the full $2,000 she will need to start repaying you at $200/month. 

Where will that money come from? Up until the last month you loaned her money she was living (at least) $200/month above her income. Just break even she would have to reduce her expenses by $200 and to include repayment she needs to cut $400/month. If she could do that (and was willing to do so) she wouldn't need to borrow your money in the first place.

I am not saying whether you should or should not loan your DSis money, but I do say that you need to very carefully evaluate what your chances are that you will ever see that money back, whether this will become a long term supporting your sister situation if you do this, and what that means to you both financially and emotionally.

Good luck with whatever you decide to do

[seriousthistime]

Good point, NastyWoman.  At this point DSis has not asked for a loan.   And any loan would have the underlying presumption that it's possible for her to get back on her feet. I don't know if that is possible long term.  They say you shouldn't loan any money you can't afford to lose, and if I were to make DSis a loan in the same amount as DB and I am not paid back by either or both of them, it would essentially bullet-proof me from being asked for additional money.  The extent of my assistance will have reached its limit. With DB, he has made payments so far.  I fully expect the payback schedule will fall apart at some point.  

[teachermom]

Ugh.....have to have the main line from my house to the city sewer line replaced....so far options range from $12k to $15 for pipe lining/pipe bursting up to $25k to $30k to have the whole line replaced (also, doesn't included repairing yard)....dang this sucks! I have been dumping money left and right lately to take care of things with the house. New AC/heater, new roof, remodeling costs, tiling the floor, etc....now this. Going to have to rework my savings plan because this is a priority. Tired of having to roto rooter the basement because it backs up. Also, just paid off my old 403B loan of $17k. Wish I would have known the cost of this before I did that. I might have made other choices.

Stay tuned for a new budget/savings spreadsheet.

Teachermom

[plugginaway22]

We are back from a fantastic family vacation at the beach.  Actually spent less than anticipated because we purchased lots of food there and all shared in planning/fixing dinners at the house instead of so much eating out.  Had another dental emergency before we left that I put $500 down on .  Most of our recent spending has been on outside gardens:  mulch, plants, 2 new chairs, etc.

I did receive my annual bonus which helped to bump up savings and we are ahead of my goals for the year.  Looming is DH's desire for car replacement which we continue to put off.  My want list is new refrigerator, probably new dishwasher as well, and DH says then why don't we just get all 3 matching appliances?  Because they all work perfectly well...hard to justify that. 

We are happy about DD2 expecting our 2nd G-baby in Oct.  DH and I will now be going somewhere in Sept, have not planned that trip.  
Will post update later today for June.

[Deleted]

Apr 24, 2019 10:42:29 GMT -5 minnesotapaintlady said:

Update for end of May.

Fund	2019 Goal	Current	Needed	% Complete
401K	$19000	$9198	$9802	48.41%
2020 Roth	$7000	$2201	$4799	31.44%
Survival Fund	$6000	$6000	$0	100.00%
House Maint	$3000	$0	$3000	0.00%
College	$2400	$1200	$1200	50.00%
Pr. High School	$1000	$1000	$0	100.00%
Vacation	$1000	$0	$1000	0.00%
Christmas	$600	$81	$519	13.50%
Total	$40,000	$19,680	$20,320	49.20%

Minnesotapaintlady $19,680/$40,000 6/1/2019

[plugginaway22]

6/1/19 Update: Plugginaway22: $31,851 (goal $36,000)



Brick bank      7,501
On-line bank 16,772
Credit Union   7,578
Total            $31,851



HSA balance $10,890

[finnime]

Goals for Spending

Goal	Goal Amount	Saved	Spent	Percent Saved
House	10,000	6260	1000	52.17%
Car	2,500	0	0
Dog	500	0	0
Medical	1500	500	0	33%
Gifts/Misc	3,000	0	0
Travel	7,000	0	0
Total	24,500	6760	1000	22.92%

Finnime1 $6760 6/3/2019 ($24,500)

Goal for Keeping

Security	5,000	2500	50%
Total	5,000	2500	50%

Finnime2 $2500 6/3/2019 ($5,000)

Got some unexpected money - pay back of a loan - and put it into savings. Spent on my kids' birthdays but decided to cash flow it. Going to Maine in a couple of weeks for about two weeks so will be spending there that I'll cash flow.

[debthaven]

Goals for Spending
Goal for Keeping

finnime I like this. I should be getting my share of DH's settlement in the next few weeks. I've been trying to find a "saver" system that would work for me. This might be it.

 

[snapdragon]

Snapdragon 06-05-19 --- $ 16,898.37 / $ 18,750

Car/House $ 3500.78 / $3500

Savings $ 4049.38 / $4000

Travel $ 4354.97 / $4500

Property Taxes $ 1545.88 / $2250

Lasik $ 3447.36 / $ 4500

New Totals $ 16,898.37 / $18,750


Just a general update. I have been transfering money over to my HSA account for the Lasik and I believe that I will be changing my line items by the end of the summer. My cadre of BFF's and I are going to the coast to relax at the end of summer. So I am looking forward to that.

Everyone keep safe and sane if possible. 

[paynointerest]

Update! June 8, 2019

Pay-no-interest: $34,100 (Goal: $55,900.00)

	Goal	Saved	% of goal	Amt spent
My 403b	$19,000	$11,000	58%
457b	$9,000	$400	4%
Savings Acct	$3,000	$3000	100%
Taxable Invest Acct	$5,000	$3,000	60%
Property/Income Taxes #1	$4,200	$5,200	124%	$5,200
Property/Income Taxes #2	$8,500	$8,500	100%
DH 403b	$7,200	$3,000	42%
Total	$55,900	$34,100	60%

DH had a birthday this week and so we spent the day having fun. I don't remember the last time we just took one day off to play and it was really nice. We went to a ball game and had great seats ($28 each to be 10 rows up from 3rd base), the symphony, out to eat, and we got a free breakfast off a promotion at the game because the team hit a home run during the inning the restaurant was doing the promotion. Score!  I think I can get used to doing this more often.

I had some extra $$ after paying all of my bills and added it to the Taxable investment account.  I hope everyone has a good weekend!

[forwardwego]

GOAL	AMOUNT	STARTING	$$ TO DATE	% OF GOAL	$$ TO GO
JPPCU CUSHION	2000	350	1600	80	400
DD IRA	3000	1000	1600	53	1400
RENTAL MARGIN	12000	10700	6090	50	5910
PERIODIC EXPENSE	5000	1800	4060	81	940
CASH STASH	2000	300	1000	50	1000
TOTAL	24000	14150	14350	59	9650

UPDATE 6/8/2019 $14350 (begin $14150; goal $24,000) beginning amount corrected

whoopee  have passed my "begin" $$. June will be a fight to maintain, and then in July maybe can get to $15K.