Women in Red SAVERS 2020

[nidena]

Since my little savings accounts are a very sad .05% interest, I went ahead and transferred $1000 from one account to a 30-month CD at .22%.  It's not the same as investing, by any stretch, but I wanted to keep it closer to liquid.  It'll take about a year to build that account back up to where it was--it's a very passive account in that it transfers money from my checking every other business day, in various amounts, based upon the balance in my checking account.  Maybe, I'll open a 24-month CD when it gets back up there.  My Annuity matures in March of 2023 so I was trying to align things with that and have a few thousand $$ to transfer to something else or put towards my future home improvements.  I may also set up automatic payments to that Annuity for the remaining two years until it matures.  I mean, a guaranteed 1% is definitely better than .05%.  lol

[Rukh O'Rorke]

FINAL UPDATE! 

Rukh O'Rorke [1] 12/27/2020


2020 goals: $43,600  (Start=$0 / Goal=$43,600)
                                

Saving Goals for 2020

Account	Goal	Added	Saved	Percent
401k	$26,000	$1,622.00	$26,000.00	100%
HSA	$7,600	$292.31	$7,600.00	100%
EF:MM	$5,000	0	$5,000.00	100%
EF:ETFs	$5,000	0	$5,000.00	100%
Total	$43,600	$1,918.31	$43,600.00	100%

Goals acheived! First year I have maxed 401k in a very long time. First year ever maxing HSA. 

Rukh O'Rorke [2] Multiyear EF Goal

$11,066.31 (Start=$500 / Goal=$20,000)

I did transfer a bunch into checking for particular uses, so ending up about where my goals were originally (10,500 - existing 500+the 10k in 2020 goals) - so - I'm going to take that as a savings win for this very trying year. Financially all is fine, and still have our pysical health intact although there were more extensive medical procedures/bills than we usually have, nothing ongoing or serious to worry about. Again - physical health. Mental health is fraying, worries, stress continue to build as with everyone in these times.

Wishing everyone good fortune for ending 2020, and a more prosperous and better year in 2021 as we lock this virus down instead of ourselves. 

[Rukh O'Rorke]

Dec 25, 2020 19:58:49 GMT -5 nidena said:

Since my little savings accounts are a very sad .05% interest, I went ahead and transferred $1000 from one account to a 30-month CD at .22%.  It's not the same as investing, by any stretch, but I wanted to keep it closer to liquid.  It'll take about a year to build that account back up to where it was--it's a very passive account in that it transfers money from my checking every other business day, in various amounts, based upon the balance in my checking account.  Maybe, I'll open a 24-month CD when it gets back up there.  My Annuity matures in March of 2023 so I was trying to align things with that and have a few thousand $$ to transfer to something else or put towards my future home improvements.  I may also set up automatic payments to that Annuity for the remaining two years until it matures.  I mean, a guaranteed 1% is definitely better than .05%.  lol

Had you purchased this annuity previously and it will start payments in 2023?

I don't recall hearing much about annuities in this space - areyou will to share what you paid into/expected payout terms? Currious about this!

[nidena]

I put $5000 into it in 2016 and it matures seven years later.  At that time, I can withdraw all funds with no penalty and no requirement to put the funds into something else.  It's had a 1% guaranteed return the whole time so I'm up ~$400 since the initial deposit.  

My boss deals with these all the time so I'm gonna ask him the questions that I have about depositing until I can withdraw/surrender it completely.  

[nikiz628]

Feeling motivated at the moment, so I am sitting down to work on my 2020 savings goals tonight. Stay tuned! 

[plugginaway22]

Nidena, Look at Capital One bank online money market account. I keep our emergency fund there and the current interest rate is .30%. Not bad compared to local banks pitiful CD rates.

[nikiz628]

2021 Savings Goals:  (I will repost these in the 2021 thread when it opens as well) 

1. EF to $3,000 minimum. It took a hit with medical bills from DS1's broken wrist this year. Currently sitting around $1600. 
2. DS1's savings to $2,500. 
3. DS2's savings to $1,250.   Contributions to both of these accounts come from gifted money, piggy banks, etc. 
4. Christmas savings to $1,000 by end of October. 

[sealy]

I'm working on getting my EF to $10,000 then I will work on getting my truck paid off.  


2021 Savings Goals:

• EF to $10,000 minimum
• Sinking fund $1,000
• Tax fund $4,000
  
  
  

[paynointerest]

Savings Goals for PaynoInterest

Here are my 2021 savings goals:

Max out both my and DH Roth IRAs

Max out my 403b and 457b accounts

Fund 60% of DH 403b account

Save $6K in our taxable investment account

So far it looks like the university I work at is going to weather this pandemic.  Hopefully, under Biden's leadership, the vaccine distribution will improve and most Americans who want the vaccine will be given a vaccination by this summer.  If this works, then I expect us to have in-person classes.  I really hope what I typed comes true.

I'm gathering my materials for promotion to submit in January. I have no reason to think I won't get the promotion.  The wild card is the raise that I will get.  I got an 8% raise for my last promotion, hopefully it is the same this time.  If this goes well, the raise will affect my paycheck in July 2021.

This is one year that I'm not sad to see end. I know we still have a long road of us in 2021 but at least we have a brighter future. Happy End of 2020!

[seriousthistime]

Sorry Savers, I am delinquent in opening the 2021 Savers thread. 

I have been too busy trying to get all my paid work done so I can RETIRE ... which I did about an hour ago!

Woo hoo!  Depending on how many adult beverages I consume today and tonight, I will get the new thread open as soon as I can.  

[irishpad]

Congratulations seriousthistime !   

[plugginaway22]

Wow so exciting, congratulations!

[Rukh O'Rorke]

Dec 31, 2020 15:42:14 GMT -5 seriousthistime said:

Sorry Savers, I am delinquent in opening the 2021 Savers thread. 

I have been too busy trying to get all my paid work done so I can RETIRE ... which I did about an hour ago!

Woo hoo!  Depending on how many adult beverages I consume today and tonight, I will get the new thread open as soon as I can.  

Congrats!

[seriousthistime]

Hi everyone,

Please post your final 2020 updates here before January 8.  forwardwego and I will do our usual year-end routine with smilies and shoutouts. After that, this thread will be locked.

The 2021 thread is now open for you to post goals, thoughts, ideas, complaints (hope not!) and anything else you care to share. 

Happy New Year!!!

[seriousthistime]

Jul 3, 2020 14:01:04 GMT -5 seriousthistime said:

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. 

 Here is the bookmarked thread. I started it on December 3, 2011. 

ymam.proboards.com/thread/17413/retirement-dilemma-help-update

Here's how things transpired since then. 

1. My old boss has still not retired.  I beat him to it. 

2.  All non-mortgage debt is paid off. I began to max out my 401(k) contributions.  Instead of another 6 years to retirement, it was actually another 9 years.  Part of that was being afraid enough about my old boss retiring that I actively sought (and landed) a higher paying job.  It required me to move to a VHCOLA area though. 

3. The IRAs are worth about $150K now.

4. The 401(k) is worth about $250 now.  (It would be more, except for the money I withdrew to increase the down payment on a home purchase in a VHCOLA place.) 

5. Because I took a higher-paying job and worked a few more years, I essentially doubled my pension benefit that I'd estimated if I retired at age 66.

6.  I've been collecting SS on XH1's account since I reached full retirement age at 66.  It's been about $1K per month.  I'll max out my SS benefit when I turn 70 (10 short months from now). My benefit will be about triple what I've been collecting on XH1's SS account.

7. I was able to keep my employer's health coverage, but I also signed up for Medicare Parts A and B, so the employer coverage is secondary.  Medicare will cost about $300/mo, and employer health will cost about $130/month. 

8. I decided against using the 401(k) funds to buy the annuity. Eventually I'll have to start taking RMDs from the 401(k) and IRAs.  I think I will postpone that as long as I can. 

9. The big variable was XH2's pension.  (Yes, there are two XHs, the one with SS credits and the one with a pension.) It was a bit of a battle a few years ago where XH2 jerked me around about the pension (not the amount, but when to start it, with retirement dates set, paperwork filed, and then postponed at the very last minute, and had I known all that I would have been far less gracious than I was.  I was downright bitchy at the end.)  So as it turned out, my share of his pension is about $1k more per month than I thought it would be. I still have the insurance policy, but it is a deceasing term policy and I think the payout would be about $180K right now. 

10. I have been through more home refi's than I care to think about.  Right now I think I have about $200K in equity, and a mortgage twice that. If he dies I lose the pension but get the $180K, and with cash on hand I would have enough to pay off my mortgage.  I would start taking the RMDs then, if I haven't already done so. 

Most people have a number in mind for retirement, whether it's $X in the bank or reaching a certain age.  At some point in my 60s I shifted focus and tried to figure out what would be enough.  Some people will read this and cringe because they have that $2 million 401(k) goal in mind. I never had that goal. 

Instead, I focused on having ENOUGH to retire.  I realize that years in a nursing home at the end of life might devastate my finances, but those expenses will devastate the finances of most of us if we last long enough and the nursing home stay is long enough, or we are independently wealthy.  

[seriousthistime]

(Copied from the 2021 thread)

UPDATE: steph08 12/31/2020 $35,307.91 7/31/2019 $6,626.16

Savings	Start	Previous	Current	Difference	Goal	% Saved
Emergency Fund	$3,664.15	$12,678.74	$13,505.79	$827.05	$10,000.00	135.06%
DD1 529 Payback	$0.00	$0.00	$0.00	$0.00	$2,700.00	0.00%
DD2 529 Payback	$0.00	$0.00	$0.00	$0.00	$2,700.00	0.00%
DD1 Savings	$1,766.95	$3,109.38	$3,110.40	$1.02	$3,000.00	103.68%
DD2 Savings	$1,195.06	$2,114.10	$2,114.79	$0.69	$2,000.00	105.74%
401K Savings	$0.00	$7,646.81	$9,310.65	$1,663.84	$7,000.00	133.01%
401K Match	$0.00	$4,422.60	$4,866.28	$443.68	$2,800.00	173.80%
DD1 529 2020	$0.00	$1,000.00	$1,200.00	$200.00	$1,200.00	100.00%
DD2 529 2020	$0.00	$1,000.00	$1,200.00	$200.00	$1,200.00	100.00%
TOTAL	$6,626.16	$31,971.63	$35,307.91	$3,336.28	$32,600.00	94.59%

2021 Goals 

DD1 529 Payback - $1,000 

DD2 529 Payback - $1,000 

DD1 Savings to $3,500 

DD2 Savings to $2,500 

DD1 529 2021 - $1,200 

DD2 529 2021 - $1,200 

401k Savings - $11,000 

401k Employer Match - $2,884 

EF to $15,000 

[forwardwego]

Dec 31, 2020 15:42:14 GMT -5 seriousthistime said:

Sorry Savers, I am delinquent in opening the 2021 Savers thread. 

I have been too busy trying to get all my paid work done so I can RETIRE ... which I did about an hour ago!

Woo hoo!  Depending on how many adult beverages I consume today and tonight, I will get the new thread open as soon as I can.  

In honor of the happy occasion of Seriousthistime's retirement,
I also had some adult beverages while composing this retirement ditty
inspired by the Beatles' song "When I'm 64".




Little bit older*, plenty of flair,
Working years 'til now.
Now we celebrate you at the finish line,
Crackers, cheese, and bottle of wine

Focused to be, financially free,
Hit the mark and more.
Saving transpired, and you retired,
Danced right out that door.



You did follow through,
And now free like the bird,
You choose what to do.



You could be handy, mentoring kids,
Help them comprehend.
You could be an advocate for veterans,
Help them get their benefits.

Doing the garden, digging the weeds,
What will You explore?
Now you retired, may be inspired,
Do what YOU long for.


*(Says she's plus sixty, Looks more like fifty, or even forty-four!)

[seriousthistime]

What a nice surprise, forwardwego!  Thank you!!! I love it. 

[jenpen]

Jenpen, 12/31/2020, $55,021, 113% (Start $895, Goal $48,550)

	2020 Goal	1/1/2020	Prior 12/03	Added	Current	% saved
403b (orig goal 24000)	22,000	0	18,500	500	19,000	86%
457b (orig goal 12000)	6,250	0	6,250	50	6,300	101%
Roth IRA	7,000	0	7,000	0	7,000	100%
Taxable inv	2,400	0	3,532	1,132	4,664	194%
LT savings	2,400	0	8,875	0	8,875	370%
ST to spend (orig 4800)	8,500	895	8,182	1,000	9,182	108%
Total (orig 52600)	48,550	895	52,339	2,682	52,339	113%

So, my goals changed from the start of the year after several work-related changes that cut my pay by 20% and in the past few months led me to focus more on after-tax savings. I'm happy with how this year went, but a little bummed about 2021, since I'll be working the full year at the reduced pay I won't be able to save nearly as much. On the plus side, 2021 may turn out to be my last year of fulltime employment!

Happy New Year, everyone! 

[jenpen]

Congratulations, seriousthistime!  And thank you for sharing your story/progress over the years. 

[sealy]

Dec 31, 2020 15:42:14 GMT -5 seriousthistime said:

Sorry Savers, I am delinquent in opening the 2021 Savers thread. 

I have been too busy trying to get all my paid work done so I can RETIRE ... which I did about an hour ago!

Woo hoo!  Depending on how many adult beverages I consume today and tonight, I will get the new thread open as soon as I can.  

 Enjoy your retirement.

[shanendoah]

shanendoah [Q4]: $10,300 12/31/2020 (Goal: $10,500 12/31/2020)
ROTH C[Q4]: $3,000 11/16/2020 (Goal: $3,000 12/31/2020)
ROTH S [Q4]: $6,000 11/16/2020 (Goal: $6,000 12/31/2020)
Savings [Q4]: $1,300 11/16/2020 (Goal: $1,500 12/31/2020)

Just taking care of the housekeeping here for end of (last) year. I am very happy with how things went with our savings goals this last 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)
[Q3]: $6,500 9/25/2020 (Goal: $4,500 9/30/2020)

[seriousthistime]

Update!

Stars	Name		Amount Saved	Goal	% Saved	Roses	Smilies
	azucena		$10,000	$30,000	33.3%
	bobosensei		$7,786	$25,430	30.6%
	debthaven		7,551€	10,000€	75.5%
	finnime [1]		$0	$0	0.0%
	finnime [2]		$1,000	$18,500	5.4%
	flamingo		$10,000	$13,000	76.9%
	forwardwego		$12,305	$14,000	87.9%
	forwardwego		$715	$1,000	71.5%
	idlechatter		$24,062	$30,000	80.2%
	jenpen		$55,021	$48,550	113.3%
	minnesotapaintlady		$24,994	$26,000	96.1%
	nidena		$20,159	$145,000	13.9%
	nikiz628		$5,050	$5,050	100.0%
	paynointerest		$72,050	$71,000	100.1%
	plugginaway22		$26,433	$12,000	220.3%
	resolution		$35,500	$35,000	101.4%
	Rukh O'Rorke		$43,600	$43,600	100.0%
	Rukh O'Rorke [2]		$11,066	$10,500	105.4%
	Saving4Norway		$26,400	$24,006	110.0%
	sealy		$5,002	$25,000	20.0%
	seriousthistime		$30,534	$30,478	100.1%
	seriousthistime [2]		$10,000	$10,000	100.0%
	seriousthistime [3]		$28,000	$28,000	100.0%
	seriousthistime [M]		$13,682	$16,405	83.4%
	shanendoah [Q1]		$7,037	$5,040	139.6%
	shanendoah [Q2]		$5,475	$2,500	219.0%
	shanendoah [Q3]		$6,500	$4,500	144.4%
	shanendoah [Q4]		$10,300	$10,500	98.1%
	snapdragon		$8,784	$9,500	92.5%
	speechchick71		$36,323	$28,500	127.4%
	steph08		$35,307	$32,600	115.1%
	teachermom		$6,379	$75,000	8.5%
	tobinikui		$45,792	$96,940	47.2%

Shanendoah, I saw my Q1 numbers for you were not correct, so I took your number for the last post of the year and fixed it.

Rukh, I changed the chart to reflect your original goal of $10,500 for 2020.

Attention Admins: Please do not lock this thread until forwardwego and I are done with our shoutouts and comments for the year. 

[forwardwego]

2020 end of year Shoutouts part 1 of 2:

tobinikui I hope you and your family are well, and that you will be joining us again in 2021. Congrats on achieving nearly $46K as of your last post in July. Life with 2 kids and all the adjustments necessitated by Covid can derail savings plans or postings. But based on your level in July, I bet you nearly reached your $96,940 goal. 

teachermom It's great to see you on the 2021!!! Congrats on your posted savings of $6378, and on all the progress you have made toward your near term and longer term goals for housing, consolidating, and retiring. I wish we could put a figure to the savings you are creating by paying for the home improvements as you go and your sweat equity.  
steph08 Congratulations on a whopping 115.1% to goal...nailing 7 of your nine line items, and crushing your 401K savings!!! Future Steph is going to be super grateful! 
speechchick71 I'm glad you came back in 2020 also! Your focus on savings brought you 127.4% to goal and a rose for every line item. Nice work being positioned to take advantage of the catch up contributions as we go into 2021!

snapdragon I am so very glad you were a saver this year also. I'm sorry for the loss of your dear dad this year and the stresses of also managing his estate. I hope that being here helped you feel supported. Good for you taking staycation, I think you've done a good job of seeking balance in this trying year. Looking forward to seeing you on the 2021 thread too! Kudos on $8783 saved and 92.5%...that's an A where I went to school   

shanendoah I think your quarterly approach to savings has proven very effective. Congrats on your new, higher paying job. and the coming windfall of vacation time payout. Being established as a Saver really helps the "new" money have a good and lasting impact. Congrats on hitting goal 3 of 4 quarters and achieving total $29,312 for the year. 

seriousthistime You also accomplished 3 out of 4 race saving goals in 2020!!! And combined with the previous years' mindfulness in savings and racing away debt, you have carved out a retirement that will allow you to maintain your life as you like and seek out adventures for yourself and with loved ones. Super excited to see where you go in savings and life in 2021. 

sealy    Nice work with over $5K saved. Winning your race over credit card debt and your commitment to avoid CC's is great groundwork for your 2021 savings goals. Your momentum is building in a good direction & perseverance is paying off!
Saving4Norway Congratulations on saving $26,400 and achieving 110% of your savings goal. You have had a lot of success as a Saver & I appreciate your sharing the ideas and strategies that have worked for you. Most of us have heard the phrase "pay yourself first", but it means much more to witness you using that so successfully. 
Rukh O'Rorke Congratulations on achieving both your 2020 Goal, and the 2020 portion of your multi-year EF goal! I am glad you have prevailed through your physical health concerns, and think/hope our presence here is very good for our mental and financial health!   
resolution Nice work accomplishing your 4 lines items and your total goal for $35,500 saved and 101%. Congrats on your new home! I look forward to seeing your 2021 goals. It's great having this board to use as place to define and refine our goals (especially when major life changes happen)!

[forwardwego]

2020 end of year Shoutouts part 2:
plugginaway22 At 220% to goal, You had a Super Saver year in 2020! I enjoy your update format. Since hindsight is 2020 (and vice versa) it's interesting to see how some months you dipped below and some months soared above the monthly goal. I think it represents you well in that you have rooted yourself in spite of our strange present reality, rolling with the lean months &  making the most of months with extra saving opportunities.  You found ways to keep balanced and stay connected with extended family. Congrats on Grandbaby 3!
paynointerest Congratulations on your stellar savings year at $72,050 for 100+%! And along the way turning your moniker into reality paying off your mortgage in exactly 10 years and ditching all interest expense. 2021 goals looking good! Keeping positive thoughts for your promotion and the effect it may have on second half of 2021.
nikiz628    Good job achieving 100% of your $5050 goal. I admire your energy, commitment, and ability to juggle a variety of goals as a Saver, Racer, reader, organizer...You are a veritable one woman band, (except that you are a family band with your DH and DS's  synced with you.)
nidena Congratulations on 2020 savings of $20,158, and "pert near" 14% of your multi-year goal. You have a solid foot in the door and your formatting looks good. And though homeownership has proven why we need the EF, you have balanced it by establishing regular living expenses under your means, and then proceeding to grow your means/income. Excited for the savings you will grow in 2021.

minnesotapaintlady    Congratulations on $24994 saved for 96.1% of goal as of your Sept 17 update. I imagine you probably surpassed that by year end. I'm glad you decided to be on the board for 2020 and hope you will be again in 2021! 
jenpen You adjusted well to the midyear employment change and the 20% pay difference. Nice work responding with more emphasis on the after tax savings. Though the change will cause 2021 to look different, I think you have yourself prepared for it, and hopefully it will be your last full-time work year. Congrats on over $55K saved and 113.3% of goal.

idlechatter This has been a year of big events for you. I appreciate you sharing your experiences as survivor of both 9/11 and Covid-19. Your mindfulness in self-care and recovery while still working your financial goals is a great example of balance. Congrats on saving over $24k and 80=% of goal! And also fully accomplishing your vehicle maintenance, Christmas, and vacation slush funding. 

flamingo Though you didn't get to your $13K goal, you did hit 5 digits...woohoo! Ten grand is GRAND! The exercise equipment and spin bike seem to be a nice compensation for not being able to vacation this year. I agree...Avoiding new debt, while consistently saving is a win/win! Congrats on 77% 
finnime How are you? I hope you and your family weathered 2020 well. Congrats on saving $1K, I hope you can join us on the 2021 Savers.

debthaven Congratulations on establishing and maintaining savings of 7551 and 75.5%! Thank you for your support, encouragement, and thoughtful questions and sharing. I value you as contributor to Savers and also the Racers, and organizer/declutter thread. 

bobosensei  Congratulations on the savings of $7786 you built before losing your job. How are you doing? What is your work status? Would love to hear from you. 

azucena Your rear view mirror of 2020 surely reflects the craziness and unpredictability many Savers experienced. Though you finished the year at $10K, I feel you deserve credit for the $24402 that was built before spending for floors and taxes. Whichever way it's framed you had a good year, and I'm happy you have your goal in mind for 2021 Savings. 

[forwardwego]

2020 WIR Saver Overview:


We had eleven winners of the dancing banana 

jenpen  nikiz628  paynointerest
plugginaway22  resolution  Rukh O'Rorke
Saving4Norway  seriousthistime  shanendoah
speechchick71 and steph08

with two honorable mentions for those who achieved in the 90% range 

minnesotapaintlady and snapdragon

2020 WIR Savers as a group: per the final 2020 smiley update, we saved a total of $642,807 ... which is 68.6% of our goal of $937,149. In light of this (hopefully) unique year I am super proud of and happy for this group, and each member.


And a big Shoutout of gratitude to those who visited to encourage and to share advice and experience. I apologize for any oversights. Please all pat yourselves on the back for being a saver in 2020, and c'mon over to 2021 Savers Thread...more IS merrier.

[sealy]

Thank you very much.  I was hoping to get to 10K and then start paying off my truck but . . . I keep going back and forth about keep saving or put it all on my truck.  I'm thinking I should be in storm mode and keep my savings.

[forwardwego]

Jan 10, 2021 2:39:09 GMT -5 sealy said:

Thank you very much.  I was hoping to get to 10K and then start paying off my truck but . . . I keep going back and forth about keep saving or put it all on my truck.  I'm thinking I should be in storm mode and keep my savings.

Sealy, The savings is a good cushion between you and possibly having to borrow for unforeseen events. Personally I would start out with piling up the savings at least until the truck balance is quite a bit lower. Keep up the good work sealy. See you on the 2021!


All Savers and participants, I think we are ready to wrap the 2020 Savers Thread. Please use the 2021 thread. Thanks!!! 

[Rukh O'Rorke]

Jan 9, 2021 18:01:18 GMT -5 forwardwego said:

2020 WIR Saver Overview:


We had eleven winners of the dancing banana 

jenpen  nikiz628  paynointerest
plugginaway22  resolution  Rukh O'Rorke
Saving4Norway  seriousthistime  shanendoah
speechchick71 and steph08

with two honorable mentions for those who achieved in the 90% range 

minnesotapaintlady and snapdragon

2020 WIR Savers as a group: per the final 2020 smiley update, we saved a total of $642,807 ... which is 68.6% of our goal of $937,149. In light of this (hopefully) unique year I am super proud of and happy for this group, and each member.


And a big Shoutout of gratitude to those who visited to encourage and to share advice and experience. I apologize for any oversights. Please all pat yourselves on the back for being a saver in 2020, and c'mon over to 2021 Savers Thread...more IS merrier.

I didn't know there were awards!!!

[minnesotapaintlady]

I was trying to figure out how I ended up not blowing past my goals, then I realized with my "vacation" from the boards I hadn't posted an update since September.