Women in Red SAVERS 2019

[teachermom]

Nov 7, 2019 13:09:19 GMT -5 snapdragon said:

Snapdragon 11-07-19 --- $ 16,288.94 / $ 16,500.

Car/House $ 3502.53 / $3500

Savings $ 4063.45 / $4000

Travel $ 4499.76 / $4500 

Lasik $ 4223.20 / $ 4500 


New Totals $ 16,288.98 / $16,500


Property Taxes $ 1123.75 / $2250  --- are going away due to the fact I can't win. When I am close to 100% I need to pay my property taxes and that drops me down. After playing this game for a few years I am not going to add them to my totals. I will still track them but I won't include them in my savings totals. They will go to the same place I have my car/house insurance tracking.

I think you are complicating it. All savings is being saved to spend on something. Just track what you save as your percentage met for the year. If I spend it for its purpose, it doesn't negate that I saved it for the year. All my percentages do not take into account what I spent. (Ie: I saved $50k but I only have $5k of that left. Some of my categories were met at 100% and then spent for its purpose. I still saved it for the year.) Give yourself credit for what you have done. Hope that makes sense!

Teachermom

[debthaven]

snapdragon I completely agree with Teachermom! You saved it for a reason, but you saved it! You should absolutely get credit for that!

I know personal finance is personal, but look ... you save money to travel. You travel. You don't come here saying you "missed" your goal, you say you saved money for travel, and you spent it on travel!

Same with the Lasik. You've saved for that goal. When you do it, you're not going to come here complaining that the money was spent on Lasik ... you're going to say you had the Lasik surgery you've been saving for!

Same for property taxes. I *THINK* the only reason you're having a hard time with that item is because property taxes is a recurring bill (unlike travel or Lasik). But it's still the same principle.

So credit where credit is due friend!!!

ETA: This said, nothing wrong with tracking that money elsewhere if it works better for you. It makes sense to put it with car/house insurance, because those are all recurring bills.

But don't feel like you "missed" your goal, because you did NOT!!!

[seriousthistime]

Sorry, Savers.  I went out of town last weekend and was gone the whole week. On the way back I remembered I should have posted that there would be a delay in the smilies this month.  

Looks like everyone who would have acted to get an update in by a certain deadline has already posted.  Will get to it very soon,

For those of you who haven't posted yet, you have a few hours.

[seriousthistime]

Updates 

Stars	Name	Amt. Saved	Goal	% Saved	Roses	Smilies
	azucena	$23,971	$25,000	96.0%
	bobosensei	$2,008	$18,750	10.7%
	chiver78	$216	$910	23.7%
	debthaven (S)	1,713€	1,713€	100%
	debthaven (K)	8,100€	10,000€	81%
	finnime [1]	$9,660	$24,500	39.0%
	finnime [2]	$3,000	$5,000	60.0%
	forwardwego	$20,000	$24,000	83.3%
	kindthatjingles	$1,000	$3,500	28.6%
	minnesotapaintlady	$31,088	$40,000	77.7%
	nikiz628	$4,095	$7,300	56.1%
	paynointerest	$60,300	$65,400	92.0%
	plugginaway22	$41,813	$36,000	116.4%
	Rukh O'Rorke	$1,175	$20,000	6.0%
	Saving4Norway	$18,800	$18,101	104.0%
	Saving4Norway [2]	$3,400	$4,000	85%
	sealy	$1,000	$25,000	4.0%
	seriousthistime	$41,072	$42,000	97.8%
	shanendoah [Q1]	$8,994	$300	2998.0%
	shanendoah [Q2]	$3,010	$3,020	99.7%
	shanendoah [Q3]	$1,020	$2,020	50.5%
	shanendoah [Q4]	$200	$300	66.7%
	snapdragon	$16,289	$16,500	98.7%
	steph08	$6,115	$19,400	31.5%
	teachermom	$49,269	$107,000	46.0%
	TheHaitian	$34,835	$60,000	58.1%
	tobinikui	$46,556	$105,658	44.1%
	trimatty471	$14,424	$14,424	100.0%
	trimatty471 [2]	$4,097	$4,355	94.1%

Thank you for your patience, Savers.

Have you begun to think about your savings goals for 2020?  It is right around the corner. I've begun to think about it, but things are in a state of flux right now so my thoughts are all over the place.

[Rukh O'Rorke]

I've been thinking!!! Not ready to detail it out yet  .

[forwardwego]

Shoutout Part 1 of 2:

snapdragon Good job evaluating your methods and adjusting your goals so that you can get your win. YAY for 98.7% Just $211 more, and your 2 cents worth will get you there!  

steph08 Congratulations on $684 more saved in October!!  

shanendoah A nice start for you in Q4 with $200 for 66.7%! 

Saving4Norway Yay for being a "savings nerd"! It has served you well. Early retirement will look good on you! Nice work on goal#2 with $3400 of $4K. 

seriousthistime WOW 97.8%! Looks like you may score your dancing banana in November! And good job being proactive and on target with income taxes!! Congrats on your seventh  .

tobinikui It's good to see you! "Tea and savings numbers" is a great way to spend the morning  . It sounds like you have all your home repairs done for the moment (always will be something on the horizon), and for now it's just cosmetics to be done. Congrats on your DH's raise. Even though that complicates taxes, it is a "good problem". It sounds like you'll have that ironed out in 2020, and that next year will be a super savings year . We'll be there in just 50 more days  . Congrats on over $46.5K saved!

Rukh O'Rorke YAY! for surpassing the thousand dollar mark! Keep pondering the details, it will work itself out over time. And you can always lay out a plan, and then adjust as needed. I'm kind of amazed at how it can unfold. I'm excited to see what you outline, and to see your continued savings success going into 2020. 

[forwardwego]

Shoutouts Part 2 of 2:


plugginaway22 Congratulations on achieving your milestone of savings equivalent to a year's expenses!  Even with higher incidental expenses I imagine you will achieve $43-$44K by the end of 2019! Woohoo for the stalled New car purchase!! How will you handle that when it does happen? Maybe a line item for 2020 savings goals? 

paynointerest Nice work entering a new race goal for your 457B. "I think you can, I think you can" also   

nikiz628   Good work covering your "oopsie spends". Congrats to you and your boys on their savings. How old are the boys? I noticed you do a great job of using so many of the threads available on WIR...getting organized, no spend, debt race, savings race. You are building some serious skills here  

minnesotapaintlady A solid gain for you in October of over $2200!
Good grief on the computer problems putting you out of work for 14 days.
Are you up and running now? Did you get some additional hours/pay to get it caught up?? 

finnime   Good work holding level in the keep fund, and nice work having the money saved for your DH's gift....I bet he loved the tickets. I love the gift of an event 

debthaven I'm glad you got paid for job#1, nice work saving that! What's the outlook for job#2? (For me) choosing goals can be one of the more elusive parts of tracking savings...trying to find the sweet spot that requires a little stretching but not beyond hope. Good work tracking and posting. Your awareness is up, and the right goals will emerge. Thank you for the perspective for giving ourselves credit for savings even though they are spent.   

azucena Yahoo for unexpected overtime! You rock for knowing exactly what to do with it! Congrats on nearly $24K and on 96% to goal. Dancing banana headed your way  

trimatty471 Only $258 more to capture your second dancing banana! keep up the good work!!

teachermom hey! how's it going? Thanks for keeping the discussions going and for your thought filled input!   


If you had an Oct update and I am overlooking you please message me 

[shanendoah]

shanendoah [Q4] $250 11/12/19 (Goal: $300 12/31/2019)
[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)

I don't know that I mentioned it here. C got a job. It's not full time, and it's not great pay, but it's something. Almost all of it will go toward savings. We won't get his first paycheck for another week or so, so I don't even know how much they'll be regularly, but given that I was around $100 short of savings goals in my budget for next year, it will, at least, help that.

[snapdragon]

Thank you all for pointing out that I still saved the money. I was having a down point at that moment. 

I took a few days and went up to Victoria, BC and checked it out until Sunday. I had fun, struck up a few decent conversations and ignored real life for a bit. Plus taking a boat to and from really was fast and reasonable.

I had the consultation with the contractor on Monday and am really liking the vibe and ideas that we talked about. I should be getting a quote in a week or so. Fingers crossed that it falls in line with what I am thinking. I still plan on having the work done in Feb of 2020. That will give me time to clear out some more things that are hanging around and are not needed. Plus I really just want to skip the whole holiday madness that would ensue if I went ahead and tried to start this right now. 

I am working on what my plans are for next year but they are kind of nebulous.

[Deleted]

Mid-month update because I'm super excited!  401K is DONE!  That leaves me 3 checks and maybe a tiny quarterly bonus with nothing taken out for retirement in the rest of 2019.  (Of course, now I'm thinking I should put something in the "catch-up" account)

Fund	2019 Goal	Current	Needed	% Complete
401K	$19000	$19000	$0	100.00%
2020 Roth	$7000	$4048	$2952	57.83%
Survival Fund	$6000	$6000	$0	100.00%
House Maint	$3000	$0	$3000	0.00%
College	$2400	$2200	$200	91.67%
Pr. High School	$1000	$1000	$0	100.00%
Vacation	$1000	$0	$1000	0.00%
Christmas	$600	$282	$318	47.00%
Total	$40,000	$32530	$7470	81.32%

Minnesotapaintlady $32530/$40,000 11/14/2019

[nikiz628]

Nov 11, 2019 8:35:42 GMT -5 forwardwego said:

Shoutouts Part 2 of 2:

nikiz628   Good work covering your "oopsie spends". Congrats to you and your boys on their savings. How old are the boys? I noticed you do a great job of using so many of the threads available on WIR...getting organized, no spend, debt race, savings race. You are building some serious skills here  

DS1 is 9 and DS2 is 4. And thank you, I just love it over here in WIR land 

[forwardwego]

Happy Thursday All! 

Shoutouts to our members who have gone quiet

bobosensei chiver78 kindthatjingles sealy TheHaitian

C'mon back and let us know how your year is going. We are here with a listening ear and an encouraging word.


Shoutouts to those who visit to encourage and share:

NastyWoman Blonde Granny lund @pooks TheOtherMe

[chiver78]

Nov 14, 2019 10:39:18 GMT -5 forwardwego said:

Happy Thursday All! 

Shoutouts to our members who have gone quiet

bobosensei  chiver78  kindthatjingles  sealy  TheHaitian

C'mon back and let us know how your year is going. We are here with a listening ear and an encouraging word.


Shoutouts to those who visit to encourage and share:

NastyWoman  Blonde Granny  lund  @pooks  TheOtherMe

hi! 

this year has gone sideways, but it's temporary. sorry I have been quiet, but I haven't had much of anything to add. even seeing everyone else's success while I've continued to spiral down has been somewhat depressing, so I haven't really opened the thread much since I stopped posting in it. 

I'm listing my house in the next couple of weeks, and I'm expecting (based on market comps) to pull in offers about $80-100k more than I paid for my house just 5 years ago. I'm basically in a holding pattern until it sells, and then I'll spend the next year in an apartment while I let the dust settle and I can figure out my next steps. there is a lot up in the air now with my job* and with a fairly new long-distance relationship, and all of the financial stuff. I honestly can't tell you where I will be at this time next year, other than in a significantly better financial position than I am right now. 

*the uncertainty is more of the nature of "do I want to continue with the new organization/direction and without the manager that plucked my resume out of applications for another position and hired me for his new and very specific job description" than "I might be laid off". my manager resigned last week and will be gone by the end of the month. my office may need to move to another site (that isn't anywhere convenient for me from the house now) and I'm now reporting to someone in Europe. I have no idea if my one teammate and I will be reassigned to other groups and maybe continue doing the piles of paperwork we have been doing to help fill in, or if we'll actually be allowed to focus on the technical stuff as I was hired to do. at the same time, I've got a few month's worth of empty on my resume from the train wreck place I escaped at the start of 2019, so it would be a good idea for me to hold out as long as I can here and not have *another* thing I need to explain. 

[forwardwego]

Hi chiver78. Thank you. I'm so glad you checked in. That's a lot going on. It sounds like letting the dust settle is a big part of your (personal financial) job for now. Are you journaling to help yourself know where you would like to be? Don't be afraid to write down your hopes and dreams, make a bit of plan and map, for when the holding pattern ends. We are here for you.

[forwardwego]

GOAL	AMOUNT	STARTING	$$ TO DATE	% OF GOAL	$$ TO GO
JPPCU CUSHION	2000	350	2000	100
DD IRA	3000	1000	3000	100
RENTAL MARGIN	12000	10700	9750*	81	2250
PERIODIC EXPENSE	5000	1800	5000	100
CASH STASH pt 1	1000	300	1000	100
CASH STASH pt 2	1000	0	1000	100
TOTAL	24000	14150	21750	90	2250

UPDATE 11/15/2019 $21,750 (begin $14150; goal $24,000)

*This is the "high amount" for this account that will be reached this year, or for quite some time. 2019 Taxes to be paid of $1370, upcoming roof and other repairs @$7K, insurance of @$1K. So 2020 will have us starting from just about scratch for that line item. (Enter picture of person with empty pockets turned inside out.)

I'm thinking I'll have this as my final 2019 update, and finish on a "high note".  I'll still be watching you all and cheering you on. And developing plans and goals for 2020 Savings.

I rejoined the WIR Racers to race our mortgage, so these next 6 weeks I'll probably put my focus a bit more on that. 

I've also joined the new WIR Net Worth Board, and need to get myself up to speed there.

Keep up the good work Savers 

[teachermom]

I didn't update because outgo seems to be way higher than savings right now. Currently we are tearing apart the kitchen with plans for new cupboards, counters, backsplash, lighting and tile floor. We are doing all the work ourselves but boy does it eat up the savings and extra cash. Always something from a $33 permit here to a new vent here to new drywall board there. Oh well....savings for my kitchen was a bit lower than outgo but have some extra income this month so that should make up for it.

Overall plan is that I will put my home on the market in the spring, recoup all these costs, pay off the mortgage, fund a new to me car and the balance will go to my student loans.

Great job to all the savers out there! I will get an update in later this month.

Teachermom

[chiver78]

Nov 14, 2019 13:44:47 GMT -5 forwardwego said:

Hi chiver78 . Thank you. I'm so glad you checked in. That's a lot going on. It sounds like letting the dust settle is a big part of your (personal financial) job for now. Are you journaling to help yourself know where you would like to be? Don't be afraid to write down your hopes and dreams, make a bit of plan and map, for when the holding pattern ends. We are here for you.

no journaling just yet. I'll have time to think once my listing goes live  

[Rukh O'Rorke]

Oct 25, 2019 6:44:25 GMT -5 Rukh O'Rorke said:

Oct 18, 2019 10:21:57 GMT -5 Rukh O'Rorke said:

Rukh 10/18/2019 $925.86 (Goal = $20,000)

Rukh 10/25/2019 $1175.86 (Goal = $20,000)


With my new and improved accounting system, I am willing to put more into savings when it is sitting unneeded in the checking account......

Crossing into 4 digits and up to 6% . 

Although current projections have me needing extra money for December student loan payments, and even more for January student loan payments, I can try to economize between now and then on general spending (food, etc.) and/or hope that the RI sidegig comes through as expected and/or I get a raise or something......Again - I seem to forget about Christmas expenses! I didn't hear anything about EOY or xmas bonuses at the job last year - but I was very new and maybe there is something but I wasn't eligible. I wasn't eligible for the performance eval COL last time, hopefully - will get something this year!
 


But for now, will put this extra bit into the savings account and hope not to need it come Dec and Jan student loan payments! 

Rukh 11/18/2019 $1276.22 (Goal = $20,000)


 add $100 for this month, but still only 6%. AND - I may need to take out soon for bills. And Christmas too! Planning a very light Christmas, but it will still cost something!

Sent out a quote for job2, client1, for RI. I really struggled with the pricing. And I haven't heard anything back from them so far.

I really gouged myself with the last quote for them, so I can see how this might be inflated from their POV. I was inclined to go lower but I really don't want to do side jobs for lower hourly prices, and I hate that I really need the money and I worry about undercutting myself in my own head just to get the job.

Finances will be really great EOY for me if I get this job, and would still be very good if I got it at a quote of 35% less money like I was tempted. If I don't get the gig at all, it will be pretty lean through the holidays and going into 2020 - so that made it very difficult for me put through the higher amount! Even that was less than I would have quoted out as a dispassionate employee for a response to and RFP. 

I didn't anticipate RI being this emotionally draining, lol!! And then - it's about 3-4 hours per job just communicating with the client, looking at sample data, anticipating the job steps and time, and putting the quote together.



I must be strong! And I'm willing to negotiate if they ask, right??

[shanendoah]

shanendoah [Q4] $1000 11/20/19 (Goal: $2,550 12/31/2019)
[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)

C's first paycheck arrived in the checking account today!! $880. I instantly put $750 of it in savings. I am so excited. (I know you all understand this.)
And I have planned in the budget to put $750 of the other two paychecks that will come in this year (12/5 and 12/20) into savings as well. So I have upped my goal for the quarter appropriately.

In looking at next year, this allows me to put dream goal amounts in savings every month. If I estimate his paycheck at $850, 2x per month, for $1,700 each month, and my dream goals for savings each month are $1,750 (this includes $500/month into a ROTH IRA for C, since his job doesn't come with retirement savings), we're only putting $50 of my paycheck in savings each month, and that leaves us with an "extra" $300/month in spending money.

Also, it means that our mortgage is now only about 1/3 of our net income instead of 1/2. And while that only matters for optics, it's still nice to see that ratio looking smaller.

[Rukh O'Rorke]

My quote was accepted!  I really need to have a bit more confidence in my abilities on the business end of things. I worked consulting for 12 years. I know how to price this stuff! I just feel inadequate, selfish, idk, now that 100% of that amount comes to me. I need to keep cognizant of the expenses involved on my end! taxes, software, etc.

So - now I'll get to work a lot over the days off from dayjob - but what a relief! It is going to be a good end of the year financially at the Rukh household! Whew!

Now I have some discussion topics for savers! Just attended open enrollment information sessions for benefits, and I am thinking to switch to HDHP so I can having the HSA account. Thinking of adding that to my goals for 2020.

Any success or cautionary tales about HDHP/HSA for medical?

Formulating my goals I am considering:
401k
HSA
EF (money market)
Taxable account

How do you savers balance the different pots when making goals and allocations?

I would really like to think that I can max the 401k and HSA and really decrease my tax obligations. But that is soooo much money to put aside, and I feel like I am just barely scraping along as it is. I thought I could max 401k with newjob but I couldn't(!!) and thinking I was suddenly 'in the money' caused a lot of problems - especially when the unexpected tax bill showed up (that was because of 2 jobs and second took out like no taxes, and then I got large vacation time payout from old job and they didn't withhold enough, so this will not be an issue this time - and I am trying to anticipate the tax obligation of my RI money).

Only the anticipation of RI money makes maxing these at all possible, and it is project to project, so not something I want to super count on.

I guess I can just plan on maxing, and if RI dries up, just re-evaluate?

But I also need to consider a more realistic budget (the house maintenance issues principally but some fun, clothes, etc.) for the long haul.

Except! I don't know if there will be a long haul!!! Back to aggressive savings!!

[Deleted]

Nov 21, 2019 9:23:03 GMT -5 Rukh O'Rorke said:

Now I have some discussion topics for savers! Just attended open enrollment information sessions for benefits, and I am thinking to switch to HDHP so I can having the HSA account. Thinking of adding that to my goals for 2020.

I just took the leap to HDHP.  Open enrollment closed yesterday, so no going back now.   

I hope it ends up being a good decision.  Premiums are 3K/year less and my company throws $1000 in the HSA on top of that.  

[shanendoah]

I currently have a plan with an FSA. I looked this year at switching to the plan with the HSA, but because of the savings aspect of the HSA (FSA dollars are still pre-tax, but they can't carry over from year to year), the rules for how you can use your HSA dollars are a lot stricter. If I were honestly just looking for an additional savings retirement vehicle, I could go with that. But, I actually use my FSA dollars for medical expenses, and the expenses I use them for, I couldn't use HSA dollars for. For example, because I get massage therapy as a preventative measure (to keep the nerve in my neck from getting pinched, instead of only going in once the nerve gets pinched and I lose mobility in most of the right side of my body), I can use FSA dollars, but I couldn't use HSA dollars. HSA dollars can also not be used for glasses or mental health care (without a major diagnosis from your primary care, or if you're seeing a psychiatrist). So we took a close look at what we spent on medical expenses this year and decided to switch to a less expensive plan that isn't quite an HDHCP and stick with the FSA instead of getting the HSA.

[Deleted]

shanendoah - The qualified expenses list for HSA and FSA claims are identical. 

www.hsabank.com/hsabank/learning-center/irs-qualified-medical-expenses

[plugginaway22]

We are a 2 income household where DH has covered me on his HDHP and we have maxed the HSA for almost 2 years (his company contributes nothing).  We also have not used it for medical expenses, just cash-flowed any medical expenses.  We are thinking about it as a bridge to Medicare (can use for COBRA premiums), as well as the tax savings, Federal and our State.

[shanendoah]

minnesotapaintlady - Health insurance is regulated by state. That could the issue here. But I checked my FSA list compared to the HSA list.

For example, here's what the HSA our site says about
Massage Therapy: The costs of a massage just to improve general health don't qualify. However, if the massage therapy is recommended by a physician to treat a specific injury or trauma, then it would qualify with a letter of medical necessity.
Psychologist: With a letter of medical necessity, will qualify if the purpose is to treat a diagnosed medical condition and not just for the general improvement of mental health or relief of stress. Marriage or career counseling, life coaching, and parenting skill counseling generally won't qualify.

Here's what my FSA site says
Massage Therapy: Covered
Psychotherapy: Covered

[Deleted]

Nov 21, 2019 15:13:10 GMT -5 shanendoah said:

minnesotapaintlady - Health insurance is regulated by state. That could the issue here. But I checked my FSA list compared to the HSA list.

But aren't the HSA and FSA rules and qualified expenses federal?  You can open an HSA anywhere if you have a HDHP.  You aren't limited to what your company offers. 

[shanendoah]

minnesotapaintlady - I will be honest in that I don't understand all the rules differences between the two. I assumed that HSA rules were a little tighter because HSAs can be used as a retirement vehicle and money can carry over from year to year. For the FSA, any money I contribute to it but don't spend in 15 months is lost. I can't contribute enough to it to make a significant impact on my taxes, so I just assumed it was less tightly regulated.
All I do know is that my employer is the state of Washington. And for the state of Washington, the rules regarding submitting claims for the HSA are stricter than the rules for submitting claims for the FSA. So all I can do is recommend that if other people aren't using the HSA specifically as a retirement savings vehicle, they double-check their options when making the decision between an HSA and an FSA.

[Rukh O'Rorke]

Nov 21, 2019 9:56:34 GMT -5 minnesotapaintlady said:

Nov 21, 2019 9:23:03 GMT -5 Rukh O'Rorke said:

Now I have some discussion topics for savers! Just attended open enrollment information sessions for benefits, and I am thinking to switch to HDHP so I can having the HSA account. Thinking of adding that to my goals for 2020.

I just took the leap to HDHP.  Open enrollment closed yesterday, so no going back now.   

I hope it ends up being a good decision.  Premiums are 3K/year less and my company throws $1000 in the HSA on top of that.  

Ours isn't that great!!

1500 difference in premiums, 500 contribution.

[Deleted]

Nov 21, 2019 18:40:48 GMT -5 Rukh O'Rorke said:

Nov 21, 2019 9:56:34 GMT -5 minnesotapaintlady said:

I just took the leap to HDHP.  Open enrollment closed yesterday, so no going back now.   

I hope it ends up being a good decision.  Premiums are 3K/year less and my company throws $1000 in the HSA on top of that.  

Ours isn't that great!!

1500 difference in premiums, 500 contribution.

They offered two.  One had a $1500 deductible instead of the $750 PPO and the premiums were like $800/year less.  The other was the 5K deductible that saved 3K in premiums.  Both had $1000 employer contribution.   "Go big or go home" I decided.  

[seriousthistime]

Update 

Account Name	Goal	Start	Amount Saved 11/15/19	Amt. Saved %	Roses
Gifts	$2,300	$335	$2,307	100.0%
Property Tax	$5,000	$2,984	$5,021	100.0%
Survival Fund	$6,000	$26	$6,012	100.0%
Household/Misc	$2,500	$1,075	$2,803	112.0%
Pet Care	$600	$130	$603	100.0%
Weekly Savings	$2,600	$0	$2,512	96.5%
Mortgage Cushion	$12,000	$4,200	$12,000	100.0%
Car Fund	$6,000	$0	$6,013	100.0%
Travel	$5,000	$0	$5,002	100.0%
Total	$42,000	$8,750	$42,273	100.7%

Seriousthistime, $42,273 11/15/19 (Goal $42,000) 


Weekly Savings Tracker: 

Week 49	Week 50	Week 51	Week 52

I reached my overall savings goal for the year but still need to top off my Weekly Savings which I will probably do with the next paycheck. 

Overall, I am thrilled I will reach all my goals. I got hit with some Murphy expenses, did a little traveling which I cash-flowed, and did a few unexpected things since my last update. 

I've begun to think about my goals for next year but a lot is up in the air. I will probably set some goals based on one scenario and change them if the other scenario occurs.  I have begun to move money around from my topped off Mortgage Cushion.  I am in the process of moving most of that money to a higher interest account. I'll do the same with the Survival Fund, Car Fund, and Travel.  Maybe a few other Savings categories.  I could move it all and start the year at $0 for each account. So I'm thinking, but not ready to post goals for 2020 just yet.