Women in Red SAVERS 2019

[Rukh O'Rorke]

Sept 20, 2019 6:57:27 GMT -5 seriousthistime said:

How much, Rukh O'Rorke ?  I was looking for 3.375%, 30 years, low closing costs. They may have gotten that low a week or two but then started heading up. 

I was talking about the fed rate drop - not sure about this outfit.

[azucena]

Yeah, Rukh if you found something, please let us know. I did my budgeting this morning and only saw 3.75%.

[azucena]

Sept 13, 2019 7:03:27 GMT -5 azucena said:

Sept 6, 2019 8:31:46 GMT -5 azucena said:

Azucena 9/13/19 $22,022 of $25,000 goal (88%)

Payday deposit of $1375. 

We had an electrician come in this week to bid on putting in 16 can lights total in our living room and downstairs bedroom (both are too dark in winter with no overhead light and what we call our target college chic floor lamps LOL).  We are also getting a couple of ceiling fans and having some other minor electrical issues corrected.  Canned lights are $100/installed, so fingers crossed the bid comes in <=$3000.  We will likely cashflow part and pull part from savings, but I think we will make up ground and be on track to still meet annual savings goal.

Next house project has to be removing the gross carpet in the girls' bedrooms and replacing it with something different.  What do we want is the question.  Probably another $3000 job that we're hoping to slid in yet this year.

Oh, and I should out myself as not having gotten a cleaning person yet.  Bad, bad, bad, bad.  Stuck on who and making it a recurring bill - but clearly one that can be cancelled any time.

Azucena 9/20/19 $23,397 of $25,000 goal (94%)

[seriousthistime]

Just a mini-Update this time. 

Account Name	Goal	Start	Amount Saved 9/20/19	Amt. Saved %	Roses
Gifts	$2,300	$335	$2,301	100.0%
Property Tax	$5,000	$2,984	$5,013	100.0%
Survival Fund	$6,000	$26	$6,003	100.0%
Household/Misc	$2,500	$1,075	$1,983	79.3%
Pet Care	$600	$130	$602	100.0%
Weekly Savings	$2,600	$0	$2,008	77.2%
Mortgage Cushion	$12,000	$4,200	$7,198	60.0%
Car Fund	$6,000	$0	$6,004	100.0%
Travel	$5,000	$0	$1,002	20.0%
Total	$42,000	$8,750	$32,114	76.5%

Seriousthistime, $32,114 9/20/19 (Goal $42,000)   


Weekly Savings Tracker: 

		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

Just a minor update this time.  I added to Weekly Savings and Household/Misc. I managed to boost my overall savings from 76% of goal to 76.5%. Woohoo. 

I have a hefty credit card balance to pay this month. That includes my Christmas travel though, so it's one extra expense out of the way once I pay it.  I should have a better update later in the month. 

[Rukh O'Rorke]

Sept 20, 2019 7:38:04 GMT -5 azucena said:

Yeah, Rukh if you found something, please let us know. I did my budgeting this morning and only saw 3.75%.

on bankrate, lowest I see is 3.625...

[forwardwego]

GOAL	AMOUNT	STARTING	$$ TO DATE	% OF GOAL	$$ TO GO
JPPCU CUSHION	2000	350	1600	80	400
DD IRA	3000	1000	2000	66	1000
RENTAL MARGIN	12000	10700	7950	66	4050
PERIODIC EXPENSE	5000	1800	4210	84	790
CASH STASH pt 1	1000	300	1000
CASH STASH pt 2	1000	0	330	33	670
TOTAL	24000	14150	17090	71	6910

UPDATE 9/20/2019 $17090 (begin $14150; goal $24,000) beginning amount corrected

Feeling good about hitting 71% and $17K. 

[teachermom]

Quick update since I have been missing the last few months.

I finally had time to look at numbers and figure out what I had saved and spent for the year. Yowzer!!!

Total savings for the year so far is: $49,268.79!!!! Crazy!!! Unfortunately, I have spent: $43,692.27. Oh well.....at least I had it to spend and was able to get a ton of things done that needed to get done.

Teachermom $49,268.79 9/24/2019 ($18,458.28 1/1/2019, Goal $107,000)

Teachermom

ETA: I am already starting to look at next years goals.....anyone else?

[shanendoah]

shanendoah [Q3] $1,020 9/24/2019 (Goal: $2,020 9/30/2019)
[Q2]: $3,010 6/25/2019 (Goal: $3,020 6/30/2019)
[Q1]: $8,994 3/26/2019 (Goal: $300 3/31/2019)

There will be no extra going into savings this quarter. It has just been a spendy summer. That combined with C being back in school and our annual car insurance premium coming due (for which money will be pulled out of savings), I am going to be happy with the $1,020.

My official coal for next quarter is going to be back to the $100/month, so total $300, with a stretch goal of $500.
In October, we start the promised contributions to the $2,500 charitable commitment we have made. The money for this is all in savings. I am hoping to cash flow 2 months of it. If I can do that, that is money that has been promised from savings that won't come out of the savings account, so I'll count it as savings (hopefully this makes sense).
But, it's been an expensive summer. I don't know that I have much hope for fall right now.

[debthaven]

Unfortunately saved savings is down once again. I transferred another 500 (as did DH but I'm not tracking his savings here, and DH has more than I do.) DS1 still owes us for the summer, that should come in in early Oct. Ack I wish I could just tell him "forget it" but I can't. And we WERE very generous with them.

DH works from home, his company's quarterly rent will arrive in Oct so that should help the accounts too.

We took DS3 back to the UK last weekend for his last year of college. So another trip. We promised him a new computer for his 21st birthday. He wanted a UK keyboard, so he had to buy it in the UK to get the student discount. I was planning on putting it on a payment plan but DH just paid for it.

As an adjunct, I earn shite unless I work a TON. At nearly 60, I'm finding that increasingly difficult. I don't know what to do about it. I know we could downsize but I'm not ready for that. 

Now that all visitors and travelling are done for the foreseeable future, we are on a strict money/food diet. I told DH we are ONLY allowed to buy fresh fruit/veg/dairy. Happily DH agreed. We have more pantry items in the basement.

Although nothing brings us more joy than having the kids around, when they AREN'T, we spend SO MUCH LESS!!! LOL. DS3 was home all summer (working). Now that he's back at school, we'll be eating out of the pantry as much as we can.

[Rukh O'Rorke]

Sept 24, 2019 16:13:42 GMT -5 debthaven said:

Unfortunately saved savings is down once again. I transferred another 500 (as did DH but I'm not tracking his savings here, and DH has more than I do.) DS1 still owes us for the summer, that should come in in early Oct. Ack I wish I could just tell him "forget it" but I can't. And we WERE very generous with them.

DH works from home, his company's quarterly rent will arrive in Oct so that should help the accounts too.

We took DS3 back to the UK last weekend for his last year of college. So another trip. We promised him a new computer for his 21st birthday. He wanted a UK keyboard, so he had to buy it in the UK to get the student discount. I was planning on putting it on a payment plan but DH just paid for it.

As an adjunct, I earn shite unless I work a TON. At nearly 60, I'm finding that increasingly difficult. I don't know what to do about it. I know we could downsize but I'm not ready for that. 

Now that all visitors and travelling are done for the foreseeable future, we are on a strict money/food diet. I told DH we are ONLY allowed to buy fresh fruit/veg/dairy. Happily DH agreed. We have more pantry items in the basement.

Although nothing brings us more joy than having the kids around, when they AREN'T, we spend SO MUCH LESS!!! LOL. DS3 was home all summer (working). Now that he's back at school, we'll be eating out of the pantry as much as we can.

Age - 5, but same. 

[NastyWoman]

Sept 25, 2019 7:49:23 GMT -5 Rukh O'Rorke said:

Sept 24, 2019 16:13:42 GMT -5 debthaven said:

Unfortunately saved savings is down once again. I transferred another 500 (as did DH but I'm not tracking his savings here, and DH has more than I do.) DS1 still owes us for the summer, that should come in in early Oct. Ack I wish I could just tell him "forget it" but I can't. And we WERE very generous with them.

DH works from home, his company's quarterly rent will arrive in Oct so that should help the accounts too.

We took DS3 back to the UK last weekend for his last year of college. So another trip. We promised him a new computer for his 21st birthday. He wanted a UK keyboard, so he had to buy it in the UK to get the student discount. I was planning on putting it on a payment plan but DH just paid for it.

As an adjunct, I earn shite unless I work a TON. At nearly 60, I'm finding that increasingly difficult. I don't know what to do about it. I know we could downsize but I'm not ready for that. 

Now that all visitors and travelling are done for the foreseeable future, we are on a strict money/food diet. I told DH we are ONLY allowed to buy fresh fruit/veg/dairy. Happily DH agreed. We have more pantry items in the basement.

Although nothing brings us more joy than having the kids around, when they AREN'T, we spend SO MUCH LESS!!! LOL. DS3 was home all summer (working). Now that he's back at school, we'll be eating out of the pantry as much as we can.

Age - 5, but same. 

Age +8 → it does not get better

[Rukh O'Rorke]

Aug 31, 2019 11:11:31 GMT -5 Rukh O'Rorke said:

In other news, I did secure my side-job I've been working to bring in, and will be pulling in 1,250 for that. It isn't a whole lot of "extra" but I'd really like to make that count in some way. I'm thinking I'll siphon 250 off for fun money, and use 1k to pay down/save/invest.
This is payable on a 1099, but I do think I am overpaying on my taxes this year. Since I owed the IRS a lot for 2018 taxes and couldn't pay up right away, I didn't want to take a chance and lower this too much. I also won't owe SS taxes on the money, but maybe medicare? is there an income cap on that?


I'm expecting payment for this first week of October, so I am thinking I can up my 401k by 1% (will equal $375 by years end), another 375 for debt reduction, and 250 into my EF savings fund I've been working on here.

Appreciate any thoughts on this plan!

Ok - so I guess that can be my answer...


You know you are a WIRSaver when you plan out savings on a tiny sum of money months in advance!

Deposit RI payment yesterday. Felt pretty good!


Needed to find this to see what my intentions were....totally forgot the 401k was in the mix here.....

Since I have another RI gig planned for October, I will preemptively up the 401k by 2% now, do the transfer to EF and pay some towards the IRS......Will give updates on savings a this weekend.

[plugginaway22]

9/30/19 Update: Plugginaway22: $39,075 (goal $36,000)


brick bank         $7,001
on-line bank    $19,091
credit union     $12,983

Total                 $39,075

HSA balance    $13,299

Added a bit, but paid off a huge VISA bill from all of August travels/spending.  Time to stay home and wait for G-baby #2, due in October.  I did impulse buy an unnecessary coffee table to go with new rug.  No real goals, all I know is that this should all increase in the last quarter (no DH, you don't NEED a new car).

Getting basically no interest on the brick bank account linked to checking.  The on-line account is in a 2% money market, and the credit union account is 1% I think.

Need to reconsider this in 2020.

[Rukh O'Rorke]

was not able to schedule the savings deposit to go through any soon than Monday .

I will wait until 'official' to do my reporting....but that's tough! 

I so look forward to the updates, it's a real motivator. I'm thinking that it would double the fun (and the savings!) to do it per pay period rather than monthly. Hopefully can get to that lofty point by 2020.  

I did up the 401k 2%, and hoping that is effective in the next paycheck rather than 3 weeks from now.

On the downside, property taxes increases have upped my mortgage payment about 175/month. So


I am also realizing I need a plan in place for RI taxes. The 1099 payment took nothing out so I need to be careful since I don't like money to linger around. If I put too much towards debt, and I have some tax surprises, I want to avoid the IRS debacle of 2019. I need to know what I might expect for taxes, going to post on YM to get more input on that.

[Deleted]

Sept 28, 2019 10:05:14 GMT -5 Rukh O'Rorke said:

On the downside, property taxes increases have upped my mortgage payment about 175/month. So

OMG.  Your increase is almost more than my entire bill!  

[seriousthistime]

Hey Savers, the end of the month is this Monday, September 30.  To give everyone enough time to post, I'll do the updates the evening of the 4th (Friday evening).  Please get your updates posted by the afternoon of the 4th.  

Thank you!  Looking forward to seeing more roses and stars!

--Seriousthistime

[seriousthistime]

Starting October 1, I am going to try to live off a modified "retirement" budget.  I haven't planned it out line by line for each category, but I am going to keep expenses down to a level where I am not using my current salary for expenses. 

Does that make sense? 

In other words, I will live on what my current income would be for pension (mine plus my portion of XH's), and my own Social Security amount (which I'm not collecting right now because I'm collecting on XH's account, but would collect on my own if I retired today).  

I believe I already discussed my retirement finances at length a page or two ago, so won't repeat it all here.

Some expenses will not be in my "retirement" budget.  For one, the car payment won't be in the "retirement" budget because it will be paid off by the time I retire and if I retired tomorrow, I've saved enough in my car fund to pay it off.    Credit card bills won't be in the October "retirement" budget to the extent they reflect expenses from September, before I placed myself on the "retirement" budget. And one-off expenses won't be in there either.  My DS and DIL are coming to visit for a few days, so whatever we spend on restaurants and entertainment won't be in there either (in real retirement I hope to have a modest budget for visits to/from friends and family).  

I have a spreadsheet set to take into account all of the above.  We'll see what happens.

Interesting info of limited value: As a divorced spouse who has reached full retirement age who is still working, I can collect SS on my ex's account and defer collecting on my own SS account so it grows.  It maxes at age 70. When I started collecting on my ex's account, the amount I can collect on my own account at any given time became a mystery because that info is not available on the SSA website and SSA says they don't have access to it when I call them.  Through the bogleheads forum I found a website where you can copy/paste your earning record from SSA and it will calculate your SS benefit on your own record along a continuum from age 62 to age 70; you can move your cursor along the continuum to a particular age (years/months) and see the change.  Each year when your earnings are updated you can plug your new earnings record into the website and see how your SS benefit changes.  The website does not save your information. The website (not affiliated with SSA) is ssa.tools/calculator.html

[paynointerest]

Update! September 28, 2019

Pay-no-interest: $55,300 (Goal: $55,900.00)

	Goal	Saved	% of goal	Amt spent
My 403b	$19,000	$19,000	100%
457b	$9,000	$9,200	102%
Savings Acct	$3,000	$3000	100%
Taxable Invest Acct	$5,000	$5,000	100%
Property/Income Taxes #1	$4,200	$5,200	124%	$5,200
Property/Income Taxes #2	$8,500	$8,500	100%	$6,495
DH 403b	$7,200	$5,400	75%
Total	$55,900	$55,300	99%

I was able to see what my retirement contributions look like for the end of September and have updated my spreadsheet.  I just found out I got a raise and so that will likely go to savings.

I hope all is well for everyone.

[Deleted]

Plugging along...

Fund	2019 Goal	Current	Needed	% Complete
401K	$19000	$16032	$2968	84.68%
2020 Roth	$7000	$3617	$3383	51.67%
Survival Fund	$6000	$6000	$0	100.00%
House Maint	$3000	$0	$3000	0.00%
College	$2400	$2000	$400	83.33%
Pr. High School	$1000	$1000	$0	100.00%
Vacation	$1000	$0	$1000	0.00%
Christmas	$600	$232	$368	38.67%
Total	$40,000	$28881	$11119	72.20%

Minnesotapaintlady $28881/$40,000 9/30/2019

[NastyWoman]

Sept 30, 2019 11:16:56 GMT -5 minnesotapaintlady said:

Plugging along...

Fund	2019 Goal	Current	Needed	% Complete
401K	$19000	$16032	$2968	84.68%
2020 Roth	$7000	$3617	$3383	51.67%
Survival Fund	$6000	$6000	$0	100.00%
House Maint	$3000	$0	$3000	0.00%
College	$2400	$2000	$400	83.33%
Pr. High School	$1000	$1000	$0	100.00%
Vacation	$1000	$0	$1000	0.00%
Christmas	$600	$232	$519	38.67%
Total	$40,000	$28881	$11119	72.20%

Minnesotapaintlady $28881/$40,000 9/30/2019

MPL there is something "buggy" about the Xmas "needed" amount in the list above. Total to go is correct though

[Deleted]

Sept 30, 2019 14:23:15 GMT -5 NastyWoman said:

Sept 30, 2019 11:16:56 GMT -5 minnesotapaintlady said:

Plugging along...

Fund	2019 Goal	Current	Needed	% Complete
401K	$19000	$16032	$2968	84.68%
2020 Roth	$7000	$3617	$3383	51.67%
Survival Fund	$6000	$6000	$0	100.00%
House Maint	$3000	$0	$3000	0.00%
College	$2400	$2000	$400	83.33%
Pr. High School	$1000	$1000	$0	100.00%
Vacation	$1000	$0	$1000	0.00%
Christmas	$600	$232	$519	38.67%
Total	$40,000	$28881	$11119	72.20%

Minnesotapaintlady $28881/$40,000 9/30/2019

MPL there is something "buggy" about the Xmas "needed" amount in the list above. Total to go is correct though

Not sure where I got that number from.  Fixed it.  

[forwardwego]

GOAL	AMOUNT	STARTING	$$ TO DATE	% OF GOAL	$$ TO GO
JPPCU CUSHION	2000	350	1880	94	120
DD IRA	3000	1000	3000	100
RENTAL MARGIN	12000	10700	8090	67	3910
PERIODIC EXPENSE	5000	1800	4340	86	660
CASH STASH pt 1	1000	300	1000	100
CASH STASH pt 2	1000	0	500	50	500
TOTAL	24000	14150	18810	78	5190

UPDATE 10/1/2019 $18810 (begin $14150; goal $24,000)

Very happy to achieve the DD IRA goal. This represents the initial deposit for DD's IRA.  It's the WIRSaver equivalent of giving the baby bird what it needs and then a shove out of the nest. 


 

[Rukh O'Rorke]

Sept 18, 2019 7:35:48 GMT -5 Rukh O'Rorke said:

Aug 17, 2019 13:36:54 GMT -5 Rukh O'Rorke said:

Rukh 08/17/2019 $250.13 (Goal = $20,000)

Rukh 09/18/2019 $350.28 (Goal = $20,000)

Rukh 09/18/2019 $850.43 (Goal = $20,000)


4%

I put a little bit more in here than originally planned thinking of potential taxes, may do even more after this most recent pay day, JIC. Not sure how I should bifurcate my true EF from tax hedging savings? 

Those with many savings buckets - are these in different accounts? Can you make buckets within an account? Or do you just keep track?

So maybe I am really only 3% for my EF and 1% for my potential taxes?

Everything is set with Client#2 for an 18k job in 2020. As previously mentioned Client #1 wants several small jobs throughout the year so I will be very busy with RI, Estimating a minimum of 5 weekends for client #2 (both days @8hr days), and maybe 10 total days for client #1 (maybe 1.5 days/weekend/project) and the usual of about 8-10 weekend days for day jobs. I've considered taking PTO from day job on occasion, but that is equally depressing.

Not the part of it all that make me happy! And I rather dread it, frankly. I am obsessing on the lost weekend angle and thinking that I do need real tangible life-impacting effects from all this work and am considering that in 2020 I will put 50% of gross RI revenue into the stock market. About 30-35% would be taxes and I would put that in a money market account until I get a better handle on how this is going to go with my current level of taxes taken out of dayjob, which I've felt are too high. And then 15-20% would be for fun. 

But my second project for Client#1 this year will be dedicated to IRS payoff (if any more is necessary) and for Christmas spending. 

Once again, there is a lot of money in the checking account that has no immediate need, but I'm thinking this time it is needed for student loan payment in Nov. Weird it is needed so far off, but I'm not going to risk draining that for anything until I get to the 2nd November check and am sure.

I've decided to try to get my student loan payments reassigned to mid-month. I'll call and see. If I do, I only have to pay about 750 in pricipal on the old pay date to not fall behind my current schedule, and then I'll be ahead. I was hesitating because I thought I need an entire extra payment of about 1350, but then I realized that I only need to duplicate the principal payment to stay on track, and then the move will shave 2 weeks off rather than add.

[finnime]

Goals for Spending

Goal	Goal Amount	Saved	Spent	Percent Saved
House	10,000	6260	6200	52.17%
Car	2,500	0	0
Dog	500	0	0
Medical	1500	1000	1000	66%
Gifts/Misc	3,000	0	0
Travel	7,000	2000	2000	29%
Total	24,500	9260	9200	38%

Finnime1 $9260 10/1/2019 ($24,500)

Goal for Keeping

Security	5,000	3000	60%
Total	5,000	3000	60%

finnime2 $3000 10/1/2019 ($5,000)


Another month of more outgo than income. I had put aside the $2000 we needed and used for a trip to Maine and New York, including paying someone to water the new lawn/garden. Also, reconciled the medical expenses to savings/spending. Medical providers and medications for the past 3 months amount to just a little over $1000, so there's that. At some point in the future I'd like to have a separate savings for medical, because our routinely expensive services really should be cash flowed and I know how an unexpected cost can burst everything apart.

For security savings, I held the line. That was a victory considering how relatively reckless I've been this month.

[snapdragon]

Snapdragon 10-01-19 --- $ 18,239.85 / $ 18,750

Car/House $ 3502.33 / $3500 

Savings $ 4060.69 / $4000

Travel $ 4324.42 / $4500

Property Taxes $ 2254.44 / $2250

Lasik $ 4097.97 / $ 4500


New Totals $ 18,239.85 / $18,750


Closer than before. I am taking a small vacation in November and checking out a different location and taking a water ferry to do it. I am going to enjoy a ghost walking tour, a tour with a manor/castle and checking out a neat museum before hopping back onto the ferry to come home after a few days. I still have several vacation/sick days just in case but I have to take some time for me otherwise I am going to turn snarly and grumpy at work. So besides taking a Friday off I also requested the following Monday so I can unwind at home before jumping into the business of work. 

Cheering everyone on to take the little step to making you feel more secure and happier.

[seriousthistime]

Update 

Account Name	Goal	Start	Amount Saved 10/1/19	Amt. Saved %	Roses
Gifts	$2,300	$335	$2,305	100.0%
Property Tax	$5,000	$2,984	$5,017	100.0%
Survival Fund	$6,000	$26	$6,008	100.0%
Household/Misc	$2,500	$1,075	$2,501	100.0%
Pet Care	$600	$130	$602	100.0%
Weekly Savings	$2,600	$0	$2,008	77.2%
Mortgage Cushion	$12,000	$4,200	$8,677	72.3%
Car Fund	$6,000	$0	$6,009	100.0%
Travel	$5,000	$0	$1,430	28.6%
Total	$42,000	$8,750	$34,557	82.3%

Seriousthistime, $34,557 10/1/19 (Goal $42,000)   


Weekly Savings Tracker: 

		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

Finally a decent update.  I topped off Household/Misc.   Another   for the garden!

Barring unforeseen circumstances I think I will make my goals for the year.  

[Rukh O'Rorke]

Oct 1, 2019 7:54:19 GMT -5 Rukh O'Rorke said:

I put a little bit more in here than originally planned thinking of potential taxes, may do even more after this most recent pay day, JIC. Not sure how I should bifurcate my true EF from tax hedging savings? 

Those with many savings buckets - are these in different accounts? Can you make buckets within an account? Or do you just keep track?

Re-posting this question....if any may have advice or ideas.

[finnime]

Oct 2, 2019 8:24:48 GMT -5 Rukh O'Rorke said:

Oct 1, 2019 7:54:19 GMT -5 Rukh O'Rorke said:

I put a little bit more in here than originally planned thinking of potential taxes, may do even more after this most recent pay day, JIC. Not sure how I should bifurcate my true EF from tax hedging savings? 

Those with many savings buckets - are these in different accounts? Can you make buckets within an account? Or do you just keep track?

Re-posting this question....if any may have advice or ideas.

I  have two savings buckets, broadly, in two accounts. One is for conserving, for security or an extreme emergency. The other is for spending, when I have longer-term goals that need funding over time, such as travel and home. The spending is one big bucket really but I track it on a spreadsheet in subcategories.

[teachermom]

Oct 2, 2019 8:24:48 GMT -5 Rukh O'Rorke said:

Oct 1, 2019 7:54:19 GMT -5 Rukh O'Rorke said:

I put a little bit more in here than originally planned thinking of potential taxes, may do even more after this most recent pay day, JIC. Not sure how I should bifurcate my true EF from tax hedging savings? 

Those with many savings buckets - are these in different accounts? Can you make buckets within an account? Or do you just keep track?

Re-posting this question....if any may have advice or ideas.

I have a Capital One 360 account. Under the same umbrella account, you can set up multiple savings accounts. I have about 20, lots of different sinking funds as well as long term savings account. I like to keep them all separate because if I don't have the money in that account, I don't use it yet (whatever the goal is for it). I know my son uses Barclay and you can do that with it too. Some have posted before that Ally lets you do that too.

[trimatty471]

2019 Goal Current Need Complete


School Tax    1,956.00   1,956.00       0.00   100%

Move In        2,099.00   1
,941.00        0.00  100%

Wellness           300.00          0.00    300.00 
93.11%
                    $4,355.00  $4,055.00 $300.00   93.11%


September 30, 2019 Trimatty:  Goal $4,355, Need $300.00