paynointerest
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Joined: Dec 21, 2010 1:35:20 GMT -5
Posts: 440
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Post by paynointerest on Feb 23, 2019 17:29:56 GMT -5
TheHaitian, What is the interest rate on your CC debt? If it is more than 3%, my vote is to pay that debt off as long as you have a good stash of cash in an emergency fund to have quick access to. Unless you, your wife or kids have serious medical problems that you think you would need to have a large sum of money in your HSA, I think you are better off paying off the CC debt first, then build your HSA to an amount that will cover your deductible and then some (this of course if you have money in your emergency fund).
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TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
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Post by TheHaitian on Feb 23, 2019 18:12:33 GMT -5
Will you spend that extra money from paying off cards? I hate CC debt with a passion so that’s my vote. I am worried about that but really not sure I will...
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TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
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Post by TheHaitian on Feb 23, 2019 18:15:23 GMT -5
Why is your take home a grand less? I hope you can move someplace with a lower COL. Getting out of a high expense area will help you so much. A four bedroom three bath place will give you room for your MIL and another kid if you’re set on that. But get that extra bathroom! 1) changing withholding 2) increasing DW 403b 3) dental plan going up 4) medical plan going up 5) taxes going up because we lower withholding So that brings to a net reduction of 1k/month —— Not applying, DW feels we should have moved there first instead of DC. Now if we move she wants to move closer to family NY/NJ (besides maybe MD/VA for better schools but that is not a long distance move).
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TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
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Post by TheHaitian on Feb 23, 2019 19:35:52 GMT -5
TheHaitian, myself, I'd go for the quick fix but not reduce the 401k contributions. I know it feels good to have a nice sum in savings but if you have a lot of cc debt you only have that savings on paper. You have to subtract the cc's to come up with true savings. It sucks, but it's the way it is. I think that is what I need to accept and just deal with it... rip the band aid and be done
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TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
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Post by TheHaitian on Feb 23, 2019 19:44:59 GMT -5
Carl are you saying your wife wants to take more than the $4800 out of the HSA to pay off the debt? Or to use your bonus only to pay it? Since you said the extra in your take home should give you some breathing room maybe use some of that toward debt payoff? Hopefully you can finally get rid of that PMI. That will be huge for you. For myself, I'd wait to see how that works out before taking more from savings. I'm someone who hates taking anything out of savings, though. Like you I hate taking any money out of savings and just taking out this $4,800 out after using the 1k buffer is bothering me... But the plumbing repair issues had to be fixed ASAP (mold) and the insurance company was not covering it. Hopefully that is done today, need to clean/fix downstairs again and we can hopefully move on. And yes she would like to take more than the $4,800 out but I would rather wait till my bonus check and also see how much the insurance company will reimburse us (they do not cover the plumbing repair but cover all the damages caused by it). Unfortunately I have to pay it first then they repay me.
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bobosensei
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Joined: Dec 21, 2010 11:32:49 GMT -5
Posts: 1,561
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Post by bobosensei on Feb 25, 2019 13:32:20 GMT -5
May I join? My method of spending what I want and saving the rest worked well for me until my divorce in 2017. With less income there is less to save, and I bought a house last year too that always seems to need one thing or another. I raided my brokerage account more than I want to admit last year too. Not just for my downpayment and move, but for splurges. I am determined to get myself back on the path of saving up for things. I have a 1500 tax bill coming in April, and I'll finally be replacing my 15 year old civic before the end of the year. So I need to replenish my current savings account, pay my taxes, and save up for a downpayment on a car. I'm hoping to put off buying the car until the fall. Account | 2019 Goal | Amount Saved | Amount Left | 401k | 7250 | 1208.33 | 6041.67 | HSA | 3500 | 500 | 3000 | Savings Account | 3000 | 0 | 3000 | Car Downpayment | 5000 | 0 | 5000 |
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bobosensei
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Joined: Dec 21, 2010 11:32:49 GMT -5
Posts: 1,561
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Post by bobosensei on Feb 25, 2019 14:08:57 GMT -5
I managed to cut a few bills. Quit cable and switched my cell phone provider. Haven't seen the first months bill on the cell, but expect this to save me 75 or so a month total between both bills. For my tax bill I decided instead of cashing in stock to just shift things around so that I can pay from my bank account and then not pay my credit card in full for April. It only has a 15.15% rate so it would be less to let this build and then spend 2-3 months to pay it back to zero instead of paying the capital gains tax.
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paynointerest
Established Member
Joined: Dec 21, 2010 1:35:20 GMT -5
Posts: 440
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Post by paynointerest on Feb 26, 2019 7:56:40 GMT -5
Update! Pay-no-interest: $13,100 (Goal: $49,200.00)
| Goal | Saved | % of goal
| My 403b
| $19,000
| $3,800
| 20% | 457b
| $9,000
| 0
| 0%
| Savings Acct
| $3,000
| $3000
| 100%
| Taxable Invest Acct
| $5,000 | $600 | 12% | Property Taxes
| $4,200 | $4,500
| 107%
| DH 403b
| $10,000 | $1,200 | 12% | Total
| $49,200
| $13,100
| 27%
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I get paid at the end of each month so I'm counting my retirement contributions in the month that I receive them. Everything else goes into the next month because I'm filling those accounts into the next month. It's weird. Anyway, I've added my and DH retirement contributions for February.
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shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
Posts: 10,096
Mini-Profile Name Color: 0c3563
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Post by shanendoah on Feb 26, 2019 14:53:49 GMT -5
shanendoah[Q1]: $8,894 2/1/2019 (Goal: $300 3/31/2019)
Alright, this month, just the planned $50 into savings each paycheck. But that's okay. And it looks like we're settling down to normal expenditures again, so I do feel confident I'll have a better idea of what we'll be able to save monthly by the middle of next month.
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nikiz628
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Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,456
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Post by nikiz628 on Feb 26, 2019 22:05:50 GMT -5
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teachermom
Familiar Member
Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Feb 27, 2019 14:09:07 GMT -5
May I join? My method of spending what I want and saving the rest worked well for me until my divorce in 2017. With less income there is less to save, and I bought a house last year too that always seems to need one thing or another. I raided my brokerage account more than I want to admit last year too. Not just for my downpayment and move, but for splurges. I am determined to get myself back on the path of saving up for things. I have a 1500 tax bill coming in April, and I'll finally be replacing my 15 year old civic before the end of the year. So I need to replenish my current savings account, pay my taxes, and save up for a downpayment on a car. I'm hoping to put off buying the car until the fall. Account | 2019 Goal | Amount Saved | Amount Left | 401k | 7250 | 1208.33 | 6041.67 | HSA | 3500 | 500 | 3000 | Savings Account | 3000 | 0 | 3000 | Car Downpayment | 5000 | 0 | 5000 |
Welcome!! We are glad you joined us! Teachermom
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seriousthistime
Junior Associate
Joined: Dec 22, 2010 20:27:07 GMT -5
Posts: 5,168
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Post by seriousthistime on Feb 28, 2019 21:38:05 GMT -5
This is ridiculous. I sat down to update my post from ... last paycheck ... almost a week ago ... and it is already the end of the month. HOW DID THAT HAPPEN? Anyway, I am now without visitors and a weekend is happening soon, so if you can get your updates posted by Sunday afternoon, March 3, I'll plan to update the smilies around then, and forwardwego will do the shoutouts whenever she has the time.
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seriousthistime
Junior Associate
Joined: Dec 22, 2010 20:27:07 GMT -5
Posts: 5,168
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Post by seriousthistime on Feb 28, 2019 21:51:39 GMT -5
Update Account Name | Goal | Start | Amt. Saved
2/22/19 | Amt. Saved % | Roses | Gifts | $2,300 | $335 | $734 | 31.9% |
| Property Tax | $5,000 | $2,984 | $3,787 | 75.7% |
| Survival Fund | $6,000 | $26 | $526 | 8.8% |
| Household/Misc | $2,500 | $1,075 | $1,296 | 51.8% |
| Pet Care | $600 | $130 | $130 | 21.7% |
| Weekly Savings | $2,600 | $0 | $353 | 13.6% |
| Mortgage Cushion | $12,000 | $4,200 | $4,900 | 40.8% |
| Car Fund | $6,000 | $0 | $500 | 8.3% |
| Travel | $5,000 | $0 | $401 | 8.0% |
| Total | $42,000 | $8,750 | $12,627 | 30.1% |
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seriousthistime
Junior Associate
Joined: Dec 22, 2010 20:27:07 GMT -5
Posts: 5,168
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Post by seriousthistime on Feb 28, 2019 21:57:57 GMT -5
May I join? My method of spending what I want and saving the rest worked well for me until my divorce in 2017. With less income there is less to save, and I bought a house last year too that always seems to need one thing or another. I raided my brokerage account more than I want to admit last year too. Not just for my downpayment and move, but for splurges. I am determined to get myself back on the path of saving up for things. I have a 1500 tax bill coming in April, and I'll finally be replacing my 15 year old civic before the end of the year. So I need to replenish my current savings account, pay my taxes, and save up for a downpayment on a car. I'm hoping to put off buying the car until the fall. Account | 2019 Goal | Amount Saved | Amount Left | 401k | 7250 | 1208.33 | 6041.67 | HSA | 3500 | 500 | 3000 | Savings Account | 3000 | 0 | 3000 | Car Downpayment | 5000 | 0 | 5000 |
Welcome, bobosensei! Looks like your tag line would be something like this, to start: bobosensei, 2/25/19, $1708.33 (Goal $18,250)and then just update your numbers and date as you post each update. Do you want to add a total line to your chart?
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paynointerest
Established Member
Joined: Dec 21, 2010 1:35:20 GMT -5
Posts: 440
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Post by paynointerest on Mar 1, 2019 8:43:22 GMT -5
Update! Pay-no-interest: $14,100 (Goal: $49,200.00)
| Goal | Saved | % of goal
| My 403b
| $19,000
| $3,800
| 20% | 457b
| $9,000
| 0
| 0%
| Savings Acct
| $3,000
| $3000
| 100%
| Taxable Invest Acct
| $5,000 | $900 | 18% | Property/Income Taxes
| $4,200 | $5,200
| 124%
| DH 403b
| $10,000 | $1,200 | 12% | Total
| $49,200
| $14,100
| 29%
|
I added more $$ to the property tax / income tax section. I got my "city" tax bill and they jumped this year. I'm guessing my county taxes will do the same. I'm building a buffer until I know what the new rates are going to be and until I find out if I owe taxes this year.
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plugginaway22
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Joined: Jan 2, 2011 10:18:42 GMT -5
Posts: 1,661
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Post by plugginaway22 on Mar 1, 2019 10:44:37 GMT -5
I just opened a Capital One 360 money market account that pays 2% on balances over 10K. This is something I have been wanting to do for a year and finally took less than 30 minutes to do it and set up the transfers. For some reason I am terrible at making any real financial changes/decisions and I procrastinate for no good reason. Now just need to tell DH where our money is in case something happens to me .
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nikiz628
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Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,456
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Post by nikiz628 on Mar 1, 2019 11:14:32 GMT -5
This is ridiculous. I sat down to update my post from ... last paycheck ... almost a week ago ... and it is already the end of the month. HOW DID THAT HAPPEN? Anyway, I am now without visitors and a weekend is happening soon, so if you can get your updates posted by Sunday afternoon, March 3, I'll plan to update the smilies around then, and forwardwego will do the shoutouts whenever she has the time. I read a completely accurate meme on fb that said something like: January took 3 years to end, February is currently driving 70 in a 35. So, so true.
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forwardwego
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Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,400
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Post by forwardwego on Mar 1, 2019 18:01:25 GMT -5
I just opened a Capital One 360 money market account that pays 2% on balances over 10K. This is something I have been wanting to do for a year and finally took less than 30 minutes to do it and set up the transfers. For some reason I am terrible at making any real financial changes/decisions and I procrastinate for no good reason. Now just need to tell DH where our money is in case something happens to me . Similar situation here, moved the EF from PNC to CIT Bank. Today interest was credited, $60.36 instead of 41 cents. When I finally made the move PNC called to make sure my banking needs were being met. Yep, found a bank that pays a few bucks instead of "doing me a favor" by letting me keep money there. I had Cap 360 by default when they bought out ING, but shut them down when they dropped the rates so low that I felt they were taking advantage and there seemed little point in having other than a physical bank.. Glad to see they have corrected, and that you've made a move for the better rate. FYI CIT Bank is 2.42% for balance of $25K, OR any balance if you make a monthly deposit of $100 or more every month.
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seriousthistime
Junior Associate
Joined: Dec 22, 2010 20:27:07 GMT -5
Posts: 5,168
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Post by seriousthistime on Mar 3, 2019 11:03:37 GMT -5
UpdatesStars | Name | Amt. Saved | Goal | % Saved | Roses | Smilies | | azucena
| $325 | $25,000 | 1.3% | |
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| bobosensei
| $1,708 | $18,250 | 9.4% |
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| chiver78 | $43 | $910 | 4.7% | |
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| finnime [1] | $10 | $20,000 | 0.5% | | |
| finnime [2] | $64 | $5,000 | 1.3% | |
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| forwardwego
| $9,490 | $24,000 | 39.5% | |
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| kindthatjingles | $1,000 | $3,500 | 28.6% | |
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| lazysundays | $10,973 | $60,000 | 18.3% | |
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| nikiz628 | $5,102 | $7,300 | 70.0% | | |
| paynointerest | $14,100 | $49,200 | 29.0% | |
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| plugginaway22 | $25,004 | $36,000 | 69.5% | | |
| Saving4Norway | $4,000 | $18,101 | 22.0% |
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| sealy
| $5,600 | $25,000 | 22.4% |
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| seriousthistime | $12,627 | $42,000 | 30.0% | | |
| shanendoah [Q1]
| $8,894 | $300 | 2964.7%
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| snapdragon | $16,091 | $18,700 | 86.0% | | |
| teachermom | $22,613 | $104,000 | 21.7% | | |
| TheHaitian | $5,354 | $60,000 | 8.9% |
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| tobinikui
| $7,729 | $105,658 | 7.3% |
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| trimatty471 | $5,187 | $14,424 | 36.0% | | |
It's great to see so many Savers returning this year, and also wonderful to see some new faces!
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forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,400
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Post by forwardwego on Mar 3, 2019 14:50:35 GMT -5
Shoutouts Part 1 of 2: shanendoah Your auto savings continues to move you forward during a time of settling in to a new normal... good work! I'm eager to see what you can strive for when your expenditures become more regular. teachermom Good job earning $3200 in your delivery and shopping gigs, and on cash flowing the house expenses. Hopefully that will return to you in extra gain and quick selling time this summer. tobinikui I hope most of your DH's new job start-up expenditures have been accomplished, and soon you'll be happily surprised with your accelerated savings rate. I'm glad your automotive expenses were no higher than they were. How is the bathroom re-do going? I'm guessing that with your Dad's donation of labor and expertise you are saving @ half? Such a sweet gift Saving4Norway Nice work doubling your $2K to $4K, one new , and soon your first for 2019!!! Thank you for sharing your personal experience of dealing with the mechanical issue, and because of financial preparation being back on track for your getaway with minimal time lost. Being strong financially doesn't happen overnight, but it sure does pay. zibazinski That is exciting to have 2019 & 2020 big expenses covered, and then be preparing to buy your next car worry free, and no more leasing . sealy Excellent work having $5600 saved! Yes, taxes are worrisome, and I'm sure plenty of people will be unpleasantly surprised with the amount they owe at the year's end. If a tax bill sets you back a bit, keep your chin up, you can come back strong. Have you adjusted your withholding to prevent a big bill for next year? The good news is you have been saving, or you would feel much worse about taxes coming due. seriousthistime Thank You for the updates and smilies! I agree Feb flew, maybe March will slow down!? It's unfortunate to have to turtle for now, but when the dad gum taxes are done you can get back up to speed. Congrats on surpassing 30% to goal! paynointerest Kudos on over $14K saved and earning your first and second . Good idea to build a buffer for the tax bills. chiver78 Hey! How is the new workplace?? Good job playing those cards, and saving the $$. Keep up the good work. azucena Good work getting on the board! Defining the goals and creating the plan can be tricky. Looking forward to seeing how you apportion your bonus.
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forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,400
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Post by forwardwego on Mar 3, 2019 14:51:04 GMT -5
Shoutouts Part 2 of 2: nikiz628 Excellent bump up of $442 to your savings! And going past the $5K mark!! Thank you for your input and personal approach to having a "cash stash". plugginaway22 Kudos on surpassing the $25K mark!!! Good work cash flowing your dental procedure and most of your FL trip. I appreciate your input on the emotions and behaviors we have regarding money. I hope we'll continue to discuss this, that's how we grow and learn. Also good for you on capturing the 2% on savings. bobosensei Welcome Aboard! And congratulations on your Feb update of $1708!! You are making good strides in getting yourself back to a path of saving. Nice work trimming expenses and capturing a bit of earnings on your savings with the new acct . TheHaitian You have a lot of variables, and have received good input from the Savers. IMHO I would encourage you to ditch that debt, sooner is better, and vow to keep it ditched. I hope you can eliminate the PMI soon, soon, soon. Looking forward to your questions and input and next update. finnime Hola! Thank you for your perspective/insight: "I know it feels good to have a nice sum in savings but if you have a lot of cc debt you only have that savings on paper. You have to subtract the cc's to come up with true savings." This bigger picture truth may help those of us who struggle to spend our savings. Looking forward to your next update. snapdragon How have you been? Your Feb 1 update got swept into January's numbers...so I'll revisit that with congratulations on $435 saved, good job Saver friend. Shoutout to Savers kindthatjingles lazysundays trimatty471 Poptart February flew by, hoping you will have an update for march, financial or otherwise. How are you doing? What challenges are you facing? minnesotapaintlady I miss you, hoping maybe you'll join us
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bobosensei
Well-Known Member
Joined: Dec 21, 2010 11:32:49 GMT -5
Posts: 1,561
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Post by bobosensei on Mar 3, 2019 22:11:24 GMT -5
I opened a high yield online savings account with synchrony today. It has a one dollar minimum and allows 6 transactions a month and no monthly fees with a 2.25% APY. I put in 300. Since I started this at the end of February I decided that I could easily do 300 a month to hit my savings goal by the end of the year. My car money hinges on a promotion at work. 401k
| 7250 | 1208.33 | 6041.67 | HSA | 3500 | 500 | 3000 | Savings | 3000 | 300 | 2700 | Car Downpayment | 5000 | 0 | 5000 | Total | 18750 | 2008.33 | 16741.67 |
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tobinikui
Junior Member
Joined: Dec 30, 2010 8:59:54 GMT -5
Posts: 164
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Post by tobinikui on Mar 4, 2019 9:50:18 GMT -5
Tobinikui: $12,291.62 on 3/4/19 (Goal: $105,658.00) Account | Goal | Saved | Spent | Remaining | % Saved | ER Fund | $15,000.00 | $3,669.73 | 0 | $11,330.27 | 24.5% | 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 | $1,683.44 | $117.00 | $5,399.56 | 25.0% | Insurances | $6,458.00 | $1,407.42 | $1,631.00 | $3,419.58 | 47.0% | Retirement | $44,000.00 | 0 | 0 | $44,000.00 | 0 | Home Projects | $21,000.00 | $0 | $3,783.03 | $17,216.97 | 18.0% | Total | $105,658.00 | $6,760.59 | $5,531.03 | $93,366.38 | 11.6% |
Expenditures for DH's new job have settled down, and this is his 6th week there. It's so nice to see him enjoying himself! With the increase in our income, I need to start looking for a financial adviser for us though. His boss has reminded DH repeatedly now, to look into the tax repercussions of the income increase (due to a surprise $20k+ tax bill after his own first year of employment!), and I do appreciate the cautionary tale. We have been able to cash flow all of the bathroom expenses - and we are in the home stretch! I think the final purchases to be made are a new toilet brush and towels! My dad will be installing/finalizing the sink and toilet today (and door!), with the shower enclosure the last remaining piece to do. At least, we'll have a functioning half-bath again, as of this afternoon. My parents have gifted us several hundred dollars worth of materials, as well as my dad's labor - his labor costs alone probably exceeded the $10,000 mark, if we would have had to pay a contracting company to do the work. I told them yesterday that we'd match their expenditures on our behalf (I'm guesstimating $400 to $500), with a check to one of the charities that they support, and my dad seemed very pleased by that gesture. The room itself looks absolutely amazing, and with the realization that we're actually starting to "run out" of things around the house to fix, we're at the point where we may actually decide to stay here, rather than move as we originally planned. The worst part about the entire bathroom remodel was that I managed to pretty seriously strain my neck muscles doing the overhead spackling/priming/painting, and now, practically a week later, still cannot swallow or yawn without pain. I think everything broke when I turned 40 last year. *smdh* We are going to get some estimates for fixing the drainage around our house, starting this week. I think this will be the year of the estimates, with the goal of doing the actual work next year. We live on a hill, on a slab foundation, in a house that was built in the early 1960s. At some point, decades before we moved in, there was settling, and the foundation cracked, which resulted in some cracking in the garage wall. In investigating that damage, we discovered that the drainage around the house was done all wrong. If we stay, we'll need to fix that, as well as putting in some drainage and reshaping the hillside in the backyard. Getting estimates is step #1 - and then we'll go from there! By April's post, I will have full funded at least one of two Roth IRAs for 2018, with the second one following in early April. I did our taxes earlier in February, but didn't file - as I was doing them, I remembered that we have until we file to fund IRAs! For 2019, we'l be above the income caps for Roths, but not for 2018, so that's our first big goal for 2019. It shouldn't impact our taxes since it's post-tax money, but I know we have to report it. Slow but steady wins the race.
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trimatty471
Established Member
Joined: Dec 21, 2010 3:59:02 GMT -5
Posts: 490
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Post by trimatty471 on Mar 5, 2019 7:52:23 GMT -5
Trimatty 02/28/2019 $11,724 (Goal = $14,424.00)
2019 | Goal | Current | Needed | Complete (%) | Moving Expense | 3,500.00 | 3,500.00 | 0 | 100.00 | Vacation | 2,500.00 | 1,000.00 | 1,500.00 | 40.00 | Sinking Fund | 2,200.00 | 2,200.00 | 0 | 100.00 | Holiday | 1,500.00 | 300.00 | 1,200.00 | 20.00 | Emergency | 4,724.00 | 4,724.00 | 0 | 100.00 | Total
| $14,424.00 | $11,724.00 | $2,700.00 | 81.28 |
| | | | |
Sold my home. Used some of the proceeds to rebuild my emergency fund.
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chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 39,701
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Post by chiver78 on Mar 5, 2019 8:22:08 GMT -5
Shoutouts Part 1 of 2: chiver78 Hey! How is the new workplace?? Good job playing those cards, and saving the $$. Keep up the good work. hi! new job is going as well as can be expected as a newbie. everyone seems to be super friendly and willing to help/answer questions, though. still getting adjusted to zero dark thirty hours, but this was absolutely a good move for me. I knew I missed this past weekend's cards, but a quick calendar check told me I'm missing more than just that. oops. I will rectify that situation when I get home tonight. going to play some big cards tonight, I was lucky at the casino this past weekend when I went for a free show. I allowed myself a little $ to play with, and was rewarded handsomely for an hour of my time.
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snapdragon
Senior Member
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Post by snapdragon on Mar 5, 2019 11:05:01 GMT -5
Snapdragon 03-05-19 --- $ 16,534.85 / $ 18,750
Car/House $ 3501.30 / $3500 Savings $ 4041.20 / $4000 Travel $ 3884.63 / $4500 Property Taxes $ 2131.14 / $2250 Lasik $ 2976.58 / $ 4500 New Totals $ 16,534.85 / $18,750 I was able to stuff a bit more into my mattress this time around. Everyone keep doing what they can to move ahead.
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chiver78
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Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 39,701
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Post by chiver78 on Mar 6, 2019 7:26:11 GMT -5
there were only 6 cards in the jar last night, which is what the table shows anyway. last weekend was week 9. oops..... knowing I'll be away this coming weekend, I figured I'd just catch myself up to week 10 and played four cards last night. King and Queen of clubs ($52, 48), the 4 of spades ($4) and the 3 of diamonds ($6) for a total addition of $110. I said the casino was nice to me on Friday. after the free show, I sat down at a blackjack table with $50. about an hour later, I cashed out $300. I had been higher at points, but whatever. I had fun, it was mostly a good group of people playing well, and we were all still winning. Card | Spades (1x) | Diamonds (2x) | Hearts (3x) | Clubs (4x) | A | 1 | 2 | | 4 | 2 | 2 | 4 | | 8 | 3 | | | 9 | 12 | 4 | | | 12 | 16 | 5 | 5 | 10 | | 20 | 6 | 6 | 12 | 18 | 24 | 7 | 7 | 14 | 21 | 28 | 8 | | 16 | 24 | 32 | 9 | 9 | 18 | 27 | 36 | 10 | 10 | 20 | 30 | 40 | Jack (11) | 11 | 22 | 33 | 44 | Queen (12) | 12 | 24 | 36 | | King (13) | 13 | 26 | 39 | |
chiver78 3/6/19 $153/$910
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forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,400
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Post by forwardwego on Mar 6, 2019 11:52:34 GMT -5
GOAL | AMOUNT | STARTING | $$ TO DATE | % OF GOAL | $$ TO GO | JPPCU CUSHION | 2000 | 350 | 1330 | 66 | 670 | DD IRA | 3000 | 1000 | 1600 | 53 | 1400 | RENTAL MARGIN | 12000 | 10700 | 3300 | 27 | 8700 | PERIODIC EXPENSE | 5000 | 1800 | 3010 | 60 | 1990 | CASH STASH | 2000 | 300 | 500 | 25 | 1500 | TOTAL | 24000 | 14150 | 9740 | 40 | 14260 |
UPDATE 3/6/2019 $9740 (begin $14150; goal $24,000) beginning amount corrected
Gaining some traction. Hoping to pass $10K by end of March, and be up to speed in April
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seriousthistime
Junior Associate
Joined: Dec 22, 2010 20:27:07 GMT -5
Posts: 5,168
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Post by seriousthistime on Mar 6, 2019 22:52:23 GMT -5
Hey forwardwego, you're doing great! Gaining some traction feels good, doesn't it? And everything can get so bogged down with various budgetary challenges. Remember the good old days when we felt like throwing in the towel with every hiccup? You are past that now. "Adulting" is not easy, but you've got it mastered! You could teach classes. What do you think was the single most important lesson you've learned along the way?
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forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,400
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Post by forwardwego on Mar 7, 2019 8:22:33 GMT -5
Hey forwardwego , you're doing great! Gaining some traction feels good, doesn't it? And everything can get so bogged down with various budgetary challenges. Remember the good old days when we felt like throwing in the towel with every hiccup? You are past that now. "Adulting" is not easy, but you've got it mastered! You could teach classes. What do you think was the single most important lesson you've learned along the way? Excellent question! YES I did spend many years picking up the towel (of financial responsibility) and then either throwing it in when the going got tough, or allowing it to just fall to the wayside when I/we chose buying things over ditching debt and saving. Single most important lesson (for me) is finding the truth of the situation, whether it's financial or another area. When a financial move requires a lot of finagling and justifying then something is not ringing true....the beneficial response is adulting and telling myself and others around me "NO". Following close behind that would be keep working and learning. WIR has been so important and beneficial with the anonymity, sharing, discussing, and encouragement from the company of others also trying to build financial security.
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