Women in Red SAVERS 2020

[plugginaway22]

Yes love all this motivation!  Today was our last pay of the month but I haven't looked at numbers yet.  Will update this weekend.

Our handyman who was scheduled since March, then stopped working due to COVID, came back this week and got a lot of work done in 2 days.  I paid him with cash I keep in our home safe so that won't reduce my numbers.  Just need to replenish that because it has really come in handy the past couple of years.

How can we be halfway through this rotten year? Hope the second half is better but I am not too optimistic.

[seriousthistime]

Update

Account Name	Goal	Start	Amt. Saved 6/27/20	Amt. Saved %	Roses
Gifts	$2,600	$2,300	$2,613	100.0%
Property Tax	$5,500	$0	$5,500	100.0%
Travel	$4,000	$5	$4,000	100.0%
Car	$3,000	$17	$3,000	100.0%
Survival Fund	$6,000	$16	$6,000	100.0%
Weekly Savings	$1,378	$13	$1,284	93.2%
Household/EF	$2,000	$5	$2,042	102.1%
Mortgage	$6,000	$695	$6,000	100.0%
Total	$30,478	$3,051	$30,439	99.8%

Seriousthistime, 6/27/2020, $30,439 (Goal, $30,478)


Weekly Savings Tracker:

$1	$2	$3	$4	$5	$6
$7	$8	$9	$10	$11
$13		$15

[seriousthistime]

Seriousthistime [2], 6/27/20, $5,000 (Goal $10,000).


I managed to pay off my car, one year early, in preparation for retirement.  I'd been directing extra money to the payoff over the last few months.  Now all the debt is paid, except mortgage. And that won't be paid anytime soon, and I have no plan for that.  Instead, I want to keep my assets more liquid so extra money goes into savings. 

[seriousthistime]

Attention Savers,

I plan to do smilies on the afternoon of Friday, July 3.  If you have festivities planned for the holiday weekend, please remember to post your updates by that morning.  

[speechchick71]

Speechchick, 6/30/2020 $25400 (Goal $28,500)

	Goal	End Of June 2020	% Saved	Roses
403b	17,000	8750	51.47%
Roth IRA	5,500	12000	218.18%
Car expenses	4,000	2400	60%
General Savings	2,000	2250	112.50%

Hey all. I appreciate the viewpoints about the car. I did end up buying the Fusion Hybrid. My first payment is due in August but I've decided to take $$ out of my money market and just pay it outright. I'm going to take 1/2 of what the new car payment would have been an put it toward the Mustang to pay that off a little faster and the other 1/2 to pay back my money market. Maybe it was a little premature but I have to say that I only spent $24 on gas this week versus $50ish. . It'll take a while for the gas savings if they stay low. I"m loving the better gas mileage! I'm spoiled. I know it. I like nice things. I don't buy a lot of frivolous stuff but when I do spend, I do my research and get what I want. It's kind of funny because when I make a large purchase like this I rarely regret it but when I go to the mall and spend $30 on a pair of shoes I bring them home and question the purchase and think about returning them. Am I the only one like this?

I had a nice update again. I have been getting some refunds for concert tickets that I bought before Covid came which is nice. I am pretty much only going to the beach and one friend's house (they are part of my droplet gang). I've been cooking/eating at home a lot and my booze purchases are decreased (not that I drank a lot anyway..but maybe $30/month?) so I'm really not spending all that much. I've been working out and eating very healthy, too.  Trying to get my "house" in order I guess (literal and figurative). 

[paynointerest]

UPDATE! June 28, 2020

Pay-no-interest: $54,850.00 (Goal: $71,000)

	Goal	Saved	% of Goal	Amt Spent
My 403b	$19,500	$19,500	100%
My 457b	$19,000	$4,600	24%
Tax Invest Acct	$6,000	$7,000	117%
Property taxes	$4,750	$4,750	106%	$1,252
DH2020 Roth	$6,000	$6,000	100%
MY2020 Roth	$6,000	$4,000	67%
DH 403b	$10,000	$9,000	90%
Total	$71,000	$54,850	77%

With the 403b goal met, I'm being aggressive with my savings in my 457b account.

Our university announced the plans for how our classes will be delivered this fall and they plan to bring the students back.  Given the recent outbreaks, even with all of the safety precautions they are taking, it is hard to believe that we can bring over 30K students back and not experience an outbreak. They asked faculty what our preferences are.  Even if I were to choose teaching in-person (which I'm not, I asked for hybrid and remote), I still have to deliver my class online because I have international students who aren't being allowed back into the country.  It is definitely a new challenge and I've been spending my time thinking about how I'm going to set up my classes to do both hybrid and 100% online teaching.

We had a good savings month in regards to our retirement contributions.  I may have to dip into my cash savings this month to cover my monthly bills -- we did a lot of home improvement projects and it looks like this month's credit card bill will be higher than normal. That is why I have savings.

I hope everyone is doing well.

[forwardwego]

6/28/2020 $8200 (begin $3200; goal $15,000)

  

GOAL	AMOUNT	STARTING	$$ TO DATE	% OF GOAL	$$ TO GO
JPPCU CUSHION	1000	100	200	20	800
RENTAL MARGIN	8000	2100	4900	61	3100
PERIODIC EXPENSE	5000	1000	3000	60	2000
CASH STASH	1000	0	100	10	900
TOTALS	15000	3200	8200	54	6800

Keep up the good work Saver Friends. 

[idlechatter]

I'm posting a day early for once! I'm a little short ($35) on my monthly goal for the Dad account but I'll make up for it next month and I am still looking at being $6K beyond my goal for the year if I can hold up my current savings rate. I am still scrounging every last cent I can for savings due to the pandemic which is where that extra $6K is coming in. I had dental surgery to the tune of $1,625 this month and I didn't dip into my savings for it (which was the original plan) and I bought some motorcycle parts for upgrades (this was less than $200 so I'm going to try to leave the car/moto maintenance account alone too knowing I will have a car repair sometime in the next few months) so I'll take only being $35 short.

Should have my EF goal and my Dad account goal for the year all tidied up next month and I can move on to the 'House' account. I renewed my lease last month through August 2021 and if my job holds until February (which I think it will) I will have enough to cover the remainder of the lease plus my monthly expenses if needed. And if I need to get out of it it's 60 days notice (2 months' rent) plus one month's rent and I have enough to cover that for sure. If I keep my job through Feb15, not only will I have enough to cover my monthly expenses through the remainder of my lease but I will have paid off my last student loan and will have an extra $750-$1000/month to do with as I please (most of which will go to savings).  I also found out they're now likely talking about pushing back us going into the office to the end of the year from September.

I hope everyone remains well in spite of everything!

idlechatter 6/30/20 $24,061.66 (Goal:$30,000), WIRS3

Savings Account	Goal	WIRS Start 1/19/2020	6/30/2020	Difference from WIRR Start	Remainder to Save	Percentage Saved
Emergency	$4,000.00	$0.00	$3,748.41	$3,748.41	$251.59	93.71%
Car/Moto Maintenance	$1,500.00	$4.80	$1,501.56	$1,496.76	-$1.56	100.10%
Christmas	$1,200.00	$3.09	$1,201.26	$1,198.17	-$1.26	100.11%
House	$1,000.00	$0.47	$0.47	$0.00	$999.53	0.05%
Car/Moto Purchase	$1,200.00	$0.00	$600.57	$600.57	$599.43	50.05%
Dad (long term)	$1,000.00	$0.00	$465.00	$465.00	$535.00	46.50%
Vacation (slush)	$4,500.00	$2,300.00	$4,500.00	$2,200.00	$0.00	100.00%
Student Loans (Temporary)	$5,625.00	$0.00	$2,625.00	$2,625.00	$3,000.00	46.67%
401K	$15,600.00	$550.00	$12,044.39	$11,494.39	$3,555.61	77.21%
Total	$30,000.00	$2,858.36	$24,061.66	$23,828.30	$8,938.34	80.21%

[Rukh O'Rorke]

Rukh O'Rorke #2  Multiyear EF Goal 06/15/2020 18,508.85 ((Start=$500 / Goal=$20,000)

ok - post-paycheck auto depo into EF occurred.....

However, likely going to start tapping soon for something.....there's a lot of somethings need done!

[jenpen]

Jenpen, 6/30/2020, $38,416, 78.4% (Start $895, UPDATED (6/30) Goal $49,000 $52,600)

	2020 Goal	Prior 4/30	Added	Current	% saved	Needed
403b (orig goal 24000)	23,000	8,000	4,000	12,000	52.2	11,000
457b (orig goal 12000)	6,525	4,000	2,000	6,000	92.0	525
Roth IRA	7,000	500	248	748	10.7	6,252
Taxable inv	2,400	1,085	26	1,111	46.3	1,289
LT savings	2,400	1,625	12,250	13,875	578.1	(11,475)
ST to spend (orig 4800)	7,675	3,682	1,000	4,682	62.4	2,993
Total (orig 52600)	49,000	18,892	19,524	38,416	78.4	10,584

Ugh, my #s are a mess!  First, my apologies for missing the May update.  I didn't have a working computer since I left my job on May 21.  I just bought a new laptop a couple weeks ago so I could remote in to my new job (started last week) without having to bring University equipment home.

I've adjusted some goals to reflect my $20k pay-cut from changing jobs (w/ an exponential increase in happiness  ).  I think I can leave my 403b contributions the same at $1k per bi-weekly pay, but I dropped the 457b to a token $25/pay.  I'll miss one paycheck in July so that's also part of the modified goal. Since my new laptop and some new home office furnishing are coming out of my ST savings, I've increased that goal.  Overall, my 2020 Goal has decreased by $3600. 

I took the 31-day break in employment so that my 12 weeks of bonus and vacation leave would have to be paid out at my higher salary.  I was expecting to get a check for around $17-18k, but a) I didn't realize they'd deduct 403b/457b from my final check, and b) they taxed it as if that was my normal biweekly pay which resulted in about $8000 going to taxes!   I'm guessing/hoping I'll get a good chunk of that back next April.  I was overwhelmed trying to figure out how to parse out that payment, so today I just sent it all to my high-yield account (bringing total LT savings balance not reflected in above table to $28,000). Probably shouldn't have done that, because I'll most likely end up pulling some back and using it to meet my Roth goal. Oh well, at least it is out of my checking account, which was my main concern.

I need to catch up reading here, but in the meantime, I hope you all are well!

[plugginaway22]

Plugginaway22 06/30/20 $15,486 ($12,000)


2020             Saved          Goal

Jan                831.00      1000.00

Feb              1626.00      1000.00

Mar              3948.00      1000.00

Apr              1409.00      1000.00

May             4700.00      1000.00

June            2972.00       1000.00
subTotals   15,486.00   12,000.00



DH and I still have jobs! Each month that goes by I wonder and have no clear vision of how this will play out. Our son is here for a visit and we are enjoying that, but overall spending has plummeted. We need a new dishwasher, and I am replacing a faucet set in our bathroom, but nothing too extravagant. We still haven't filed our 2019 taxes and anticipate owing about 3k. Continuing to keep head down and plow money into savings accounts.

We had our handyman replace all 6 columns on our side porch.  They were rotted from the bottom and we put this off for over 3 years. DH will do all the sanding and painting. He only charged us $700 for materials and labor.  One of those things you wonder why we waited so long.

[snapdragon]

Snapdragon Update 7-01-20 - $8404.19 / $9500

Car/House $ 3904.19 / $5000

Savings $ 4500.00/ $4500  

New Totals $ 8404.19 / $9500


Yea! My savings is achieved now I am going to shift over to the car/house fund. 

I have been on a acquiring phase but I am still discarding things that don't work for me anymore. I finally managed to get rid of the last of the paint which I had drying out on the balcony last night. It has only taken a few months for everything to be disposed of. I still need to clean it up and go back through the closet out there but things are improving.  

[Saving4Norway]

Month	2020 Goals	Saved	% Met
So far this year	$12,000	$10,400	87%
B of July	$2,000	$3,000	150%
E of July	$1	$-	0%
B of August	$2,000	$-	0%
E of August	$1	$-	0%
B of September	$2,000	$-	0%
E of September	$1	$-	0%
TOTAL	$18,003	$13,400	74%

Saving4Norway 7/01/20 $13,400 (Goal $18,003)
 
    

[seriousthistime]

Seriousthistime [2], 6/30/20, $8,600 (Goal $10,000).

[debthaven]

(bad) update

debthaven 1 July 2020   7,551€      (goal 10,000€)                

in the end i had to use 1K of savings, mainly due to our astronomical grocery bills after having 4-7 kids here for over a month, and replacing some small appliances. it was worth it to have dgs here. :-) remember i lost 4-5K in seasonal income this year because of covid. :-(

we are selling our studio but everything is delayed because of covid, and closing already takes 4-6 months here. we should close in oct. and come out with 57K (ballpark). we plan to keep 1/3 in savings, use 1/3 for work on our house, and 1/3 updating another rental. so i should be adding about 9K in savings at that point. (dh have yours/mine/our accounts.)

[Rukh O'Rorke]

Jul 2, 2020 1:13:59 GMT -5 debthaven said:

(bad) update

debthaven 1 July 2020   7,551€      (goal 10,000€)                

in the end i had to use 1K of savings, mainly due to our astronomical grocery bills after having 4-7 kids here for over a month, and replacing some small appliances. it was worth it to have dgs here. :-) remember i lost 4-5K in seasonal income this year because of covid. :-(

we are selling our studio but everything is delayed because of covid, and closing already takes 4-6 months here. we should close in oct. and come out with 57K (ballpark). we plan to keep 1/3 in savings, use 1/3 for work in our house, and 1/3 updating another rental. so i should be adding about 9K in savings at that point. (dh have yours/mine/our accounts.)

that's why we save me money. And of course, time with family is so important, especially now.

[seriousthistime]

Update!

Stars	Name		Amount Saved	Goal	% Saved	Roses	Smilies
	azucena		$15,027	$30,000	50.1%
	bobosensei		$7,786	$25,430	30.6%
	chiver78		$52	$910	5.7%
	debthaven		7,551€	10,000€	75.5%
	finnime [1]		$0	$0	0.0%
	finnime [2]		$1,000	$18,500	5.4%
	flamingo		$9,218	$13,000	70.9%
	forwardwego		$8,200	$15,000	54.7%
	idlechatter		$24,062	$30,000	80.2%
	jenpen		$38,416	$49,000	78.4%
	minnesotapaintlady		$17,175	$26,000	66.1%
	nikiz628		$4,896	$5,050	97.0%
	paynointerest		$54,850	$71,000	77.3%
	plugginaway22		$15,486	$12,000	129.1%
	resolution		$23,900	$35,000	68.3%
	Rukh O'Rorke		$21,405	$43,600	49.1%
	Rukh O'Rorke [2]		$18,509	$20,000	92.5%
	Saving4Norway		$13,400	$18,003	74.0%
	seriousthistime		$30,439	$30,478	99.3%
	seriousthistime [2]		$8,600	$10,000	86.0%
	shanendoah [Q1]		$6,537	$5,040	129.7%
	shanendoah [Q2]		$5,475	$2,500	219.0%
	snapdragon		$8,404	$9,500	88.5%
	speechchick71		$25,400	$28,500	89.1%
	steph08		$27,839	$32,600	85.4%
	teachermom		$2,778	$75,000	3.7%
	tobinikui		$33,431	$91,260	36.6%

Here you go, Savers.  Let me know if I've goofed anything up. 

It has been one heck of a half-year, hasn't it?  Who would've guessed we'd be dealing with so many situations in the world around us and trying our best to stay safe, healthy, employed, etc.?  Well done, Savers.  Well done. 

[debthaven]

seriousthistime thank you so much for tracking us all so diligently. 

it's absolutely not a "goof up" but you can delete my first line and just leave my second line, because in fact it's the same (10K) goal. *I* goofed up originally, because the first line was the amount i needed to reach my 10K goal.

thanks again. 

[seriousthistime]

I might have recently mentioned in this thread, or maybe another one, about something I posted back in 2011. I bookmarked it and reread it from time to time so I can see how far I've come. I never would have guessed I'd be where I am now. Not that I'm rolling in the dough, Savers; not by any means, and I'm still too chicken to post on the Net Worth thread, mainly because I have a huge mortgage due to living now in a HCOLA. Anyway, I was rereading that thread, and all the comments, and my debt/savings situation back then, and getting people's ideas on how to improve my situation. And it's really so comforting to go back and read, remembering where I was at that time, and the advice I followed, and the effect it has had on my finances.  

At this point, my retirement plans are still on for December 31 (though no one at work knows). After that, I'll post that link here so you can see where I was, and where I ended up. 

But, not to make this all about me... I suggest you all look at your first few posts in this 2020 thread and see what you were thinking just six months ago, where you started, where you thought you were going, and compare that to where you are now.  I am so very impressed with all of you!  Taking the first step is the scariest, we are vulnerable, hesitant to try, sometimes backsliding due to a visit from Murphy, hating to spend money we've saved up even though we saved that money to spend on exactly that purpose, having to negotiate the finances with a spouse or partner who's not exactly on the same page with us... damn, Savers, we are a very impressive bunch!

[seriousthistime]

Jul 3, 2020 13:58:47 GMT -5 debthaven said:

seriousthistime thank you so much for tracking us all so diligently. 

it's absolutely not a "goof up" but you can delete my first line and just leave my second line, because in fact it's the same (10K) goal. *I* goofed up originally, because the first line was the amount i needed to reach my 10K goal.

thanks again. 

Done.  Thanks. 

[debthaven]

After that, I'll post that link here so you can see where I was, and where I ended up.

I can't wait to see that post seriousthistime . (plus you chose a great name!) are you still looking at retiring in dec? because you have mentioned retiring in aug instead.

also, are you planning on staying where you are after retirement, since it's a HCOLA?

(obviously, please feel free to ignore any or all of my questions.  )

[seriousthistime]

I am planning on December 31.  There's always a possibility I could leave earlier, if I decide I've just had enough and I am done with it all. 

I was thinking of moving to a lower COL area, but the problem is -- where?  I love the climate here, there is a very nice smallish airport here that makes it easy to to travel and for people to visit me, my close friends are scattered all over the place, and my kids have not 100% settled on staying where they are or where they want to go to. I'm perfectly happy to stay here. 

I'm tracking expenses starting with March of this year and trying to figure out my retirement budget, which would include set-aside funds for replacement items such as TVs/phones/computers, a replacement car (shouldn't be too many more of those in my future), household items, etc. 

[forwardwego]

Shoutouts Part 1 of 2:


chiver78 Congratulations on selling your house and working to square up financially with debt reduction/elimination, and savings for a future down payment. I see you have $30K set aside for that, and it earns close to $30 per month in interest. How about setting up a WIRSaver goal to increase the down payment account even if slowly?    $28.18 in interest earned, plus a fairly painless deposit of $71.82, = another Benjamin to help with down payment and closing cost...may as well grow that account & grow your savings muscle in general. 

Rukh O'Rorke Happy 4th Wirrversary!   Kudos on a combined savings growth of over $4600! And congrats on your bonus. You are doing a good job of balancing saving liquid funds vs saving on taxes. With a $7K tax savings up for grabs I would also be inclined in that direction. Oct seems like a good time to evaluate and tweak as needed.   And well done on being at 49% on line item goals and 92% on EF goal. 

Saving4Norway Good work building $3000 more in savings for 74.4%. It seems your tracking method works well  .

nikiz628 Looking forward to your next saver update. Kudos on your achievements elsewhere on the Boards purging stuff, refi of the mortgage and debt reduction. 

minnesotapaintlady Thank you for the persepective on 529's and college savings in response to Niki's question. Congrats on @$2400 more saved for 66.1% to goal. 

nidena Congratulations on the upcoming home closing!  Can we see pictures?

debthaven I think $1K for small appliances and feeding 3 to 4 times the usual people in your home for a month is reasonable, good job U! Good work holding the wheel steady while working toward the hopeful Oct closing of the studio sale.    it's a drag to have lost so much income that could have been savings. I'm so glad you are a Saver so that you have been able to endure the hit, and glad that you have this board to discuss, plan, and vent. 

azucena Nicely done with $15K and 50% of goal right at the mid point. My mathematical heart is happy with you. You and your DH have done an excellent job of reversing the usual American way of car payments. Kudos on 10 years of being car payment free, having the money saved ahead for your next new-to-you car! 

seriousthistime With $8600 toward your second savings goal, you are close to eighty-sixing that one   . I enjoy watching you pulling together all the final details that will afford you a comfortable and meaningful retirement phase of life, along with the bonus of being positioned to go quickly/now if the need/want arises. It's a good plan to "try on" your retirement budget right where you already are. Then should you decide to move, you will have a solid idea of what is financially comfortable. Congrats on driving YOUR paid for car.   And many thanks for the updates, your encouragement, and timely suggestions to reflect back to the beginning of this more than half gone year 

[forwardwego]

Shoutouts Part 2 of 2:

shanendoah  Congratulations on achieving your Q2 ROTH goal, and greatly surpassing your general savings goal, for a combined total of $5475 and a pair of dancing bananas. 

speechchick71  Congratulations on your new commuter car. It sounds like you got a good deal and have satisfied both the want for a sweet ride and the need for reliable affordable transportation to work. I like your plan to repay your money market account and prepay the Mustang the amount that would have been the car payment had you financed. 

plugginaway22  Good work continuing to stack up savings. I'm glad your son got to visit. I understand about waiting to do the "discretionary items" especially if you have lived with them at length. The difference can be amazing, enjoy your repaired/ freshened porch area. 

resolution  Good work being (more than) on track for the year at $23,900 and 68%. I imagine the new fireplace mantel your DH is making will look amazing, and provide nice atmosphere for your home. 

bobosensei  You are doing a good job of holding things steady and positioning your financial resources to fit your situation as it unfolds. Please keep us informed as to how your job hunt goes. 

steph08  Good job building savings of $27,839 and 85%, while in the process of new home construction. I hope you'll be living in your new home soon, and that the appraisal is sufficient to avoid having to take from savings to close. 

paynointerest  Congrats on savings of $54850 and over 77% to goal.   It's great to be at that savings level where you can do lovely things to your home without digging a debt hole. 

idlechatter  Nice job of continuing to stockpile savings while also cash flowing dental work and motorcycle parts. Good work knowing your exit plan if necessary. Congrats on surpassing 75% & earning your  . And 2 more roses right there on the horizon for your Dad and EF accounts. 

jenpen  Nice update! The laptop and home office furnishings are a perfect use of "save to spend" funds. Good strategy to get the higher payout on the bonus and vacation with a big chunk landing now and the overtax coming back in April 2021. That's a good way to finish out that job and lead into the exponentially happier job.   The long term savings account seems like a good place to let that rest will you ponder it's potential application. Congrats on over $38K saved and 78,4% to goal. 

snapdragon  And a nice update for you too, earning your   for achieving your Savings goal. And now on to the car/house account. 
Good work also on shuffling out the unwanted items to allow for the newly acquired without getting cluttered. 

Thinking of our Saver Friends finnime  flamingo   & teachermom . Pop in and let us know how you are doing. 

Shout to TheOtherMe and saveinla , thanks for visiting and cheering us on. saveinla , did you find a physical bank that does the better rate MM account?

Let's all have a great saving month in July!

Hola tobinikui ! I C U R the first update for July 

[tobinikui]

Account Name	Goal	Saved	Spent	Remaining	% Saved
Retirement	$45,500.00	$23,446.82	$0	$22,053.18	51.5%
Loan Repayment	$10,680.00	$0	$0	$10,680.00	0%
ER Fund	$6,000.00	$5,007.13	$0	$992.87	83.5%
Christmas	$4,000.00	$0	$0	$4,000.00	0%
Random	$1,000.00	$0	$0	$1,000.00	0%
Car Repair	$2,000.00	$0	$0	$2,000.00	0%
Vacations	$3,500.00	$368.80	$995.00	$2,136.20	39.0%
Taxes	$7,200.00	$3,742.59	$310.00	$3,147.41	56.3%
Insurances	$4,560.00	$728.42	$3,693.00	$138.58	97.0%
Stone Steps	$12,500.00	$7,000.19	$500.00	$4,999.81	60.0%
Total	$96,940.00	$40,293,95	$5,498.00	$51,148.05	47.2%

Tobinikui: $45,791.95 on 7/6/2020 (Started w/ $0 on 1/1/2020; Goal: $96,940.00) 

Hi all - I missed the updates by a few days - oops! Story of my life. I also upped my final goal by about $5,000. The stone steps will end up being several thousand more than my original guesstimation. Thankfully, they'll get put in later this summer/early fall, which will give me time to pay for them in cash. As long as they're in by snowfall, we'll be happy!

We ended up making the decision to put the kids in summer camp for 4 weeks. The fall school plan is still up in the air, but I'm sure it will involve some form of IN school attendance. I'm worried about my kiddos and separation anxiety - they were tight before all of this happened. I think a little reminder of a school-like environment, in separate classes (due to age), and in their safe space (where they've done daycare/after-care their entire lives) will be good for them. My job is starting to tighten up restrictions on their telecommuting policies now that we're "past" the initial panic of Covid. It's actually going to start making my life a LOT more difficult to juggle everything. I am actually NOT a fan of working from home.

The one fun/good thing, is that I've been able to continue my horseback riding lessons, even with some increased frequency, over the last few months. It is the ONLY thing I prioritize for myself - I've only been doing it for about 13 months. There's so much to learn. It's nice (for me) when my husband has a day off, and gets to experience our home situation (me working at the kitchen table, managing the constant demands of a 4- and 6-year old) for himself. His deer-in-the-headlights overwhelm allows me to leave for riding without feeling the slightest bit of guilt - because that's my EVERY day right now. Haha. I honestly don't know what my mental state would be if I hadn't been able to keep that up! 

As 2020 continues to throw curve-balls, stay safe, my friends. I'll try to post by late July for the August numbers. 

[saveinla]

forwardwego - I did not find a physical bank to get a better rate, but all the talk about refinance in various threads have prompted me to start looking. My existing mortgage company sent me a package about refinance and when I called today they said rates are 2.5 for 15 years, 2.875 for 20 years and 2.99 for 30 years. For anyone checking - it's called Lakeview Loan Servicing.

We are thinking about it and will probably go for the 20 year since the payment will be 100$ more than what we are paying now, but will shave off 6 years.

I am hoping by the time I go back to him, I will get a 2.5 rate on the 20 year - one can always dream

[nikiz628]

I missed my update for last month. We ran away to Michigan City for a few days to social distance on the beaches of Lake Michigan. Plus, our $$ situation is wonky right now as we have just wrapped up our refi, moved $ around, etc. I will definitely have things sorted out by the end of the month.

[shanendoah]

shanendoah [Q3]: $0 7/7/2020 (Goal: $4,500 9/30/2020)
ROTH [Q3]: $0 7/7/2020 (Goal: $1,500 9/30/2020)
Savings [Q3]: $0 7/7/2020 (Goal: $3,000 9/30/2020)

Okay, I now have goals for 3rd quarter savings. The main goal is the total. We are back to having over $10k in liquid savings, so there's a chance we'll look at starting a ROTH for me, or putting extra in C's ROTH in order to fully fund it this calendar year.



[Q1]: $7,037.28 3/25/2020 (Goal: $5,040 3/31/2020)
[Q2]: $5,475 6/25/2020 (Goal: $2,500 6/30/2020)

[seriousthistime]

Update

Account Name	Goal	Start	Amt. Saved 7/10/20	Amt. Saved %	Roses
Gifts	$2,600	$2,300	$2,613	100.0%
Property Tax	$5,500	$0	$5,500	100.0%
Travel	$4,000	$5	$4,000	100.0%
Car	$3,000	$17	$3,000	100.0%
Survival Fund	$6,000	$16	$6,000	100.0%
Weekly Savings	$1,378	$13	$1,314	95.4%
Household/EF	$2,000	$5	$2,042	102.1%
Mortgage	$6,000	$695	$6,000	100.0%
Total	$30,478	$3,051	$30,469	99.9%

Seriousthistime, 7/10/2020, $30,469 (Goal, $30,478)


Weekly Savings Tracker:

$1		$3	$4	$5	$6
$7	$8	$9	$10	$11

[seriousthistime]

Seriousthistime [2], 7/10/20, $9,400 (Goal $10,000).