2021 Women in Red Savers

[snapdragon]

Nikiz this was a good exercise for me right now.

My property taxes and HOA fees are sorta high so looking at everything so far this year the total is $3150 but this is unusual due to me paying extra on the Kitchen Reno and getting lax. Usually I am about $2300 for monthly expenses. If I lived somewhere else my budget would be lower.

[nikiz628]

Sept 9, 2021 6:21:43 GMT -5 plugginaway22 said:

Nikiz, we did this exercise when we met with a financial planner the month before Covid hit, so Feb 2020. We were right about at $4000. Our property taxes are high so $500/month is for that. We have no debt, but live comfortably on that budget. Of course after Covid we stopped eating out and running around wasting gas so it may be lower now. I am always blown away by people who spend 10k/month. We are only able to retire this year because of our low expenses.

We don't even bring home that much a month so that definitely blows my mind! 

[debthaven]

For us it’s the same, about 3700 euros/month. House is paid off but property tax is expensive (500/month), and our old house isn’t well insulated so our gas heating bill is expensive. We splurge on a weekly cleaner.

We have a rental reno loan but the rent covers it now.

Having a leased car wasn’t a great financial decision but DH REALLY wanted to lease. He’s not spendy at all so we did it to make him happy. ❤️

[paynointerest]

Sept 8, 2021 18:03:18 GMT -5 nikiz628 said:

I am participating in a free budget bootcamp through Good Budget and the first task was to figure out how much you would need to save for 1 month's worth of expenses. I sat down and budgeted it all up, including roughly what we pay per month on each CC. We need approximately $3700-$3800 for 1 month's expenses. Now I am curious, what would you need? I wonder how average our amount is or if we are WAY HIGH/WAY LOW compared to others. 

Our monthly expenses are roughly $2,800 to $3,200 per month to cover our expenses (food, utilities, property taxes, refuse, water, parts for repairs on home/auto/bicycles).  There are two of us in our household.  Lately the expenses are higher since DH is working on a major bathroom remodel -- we combined 2 small baths into one larger bath which involved moving plumbing for the vanity, shower, heating system, and toilet, framing a standing shower stall and tiling it, adding lights, etc.  We splurged on fixtures and a heating system -- it cost us about $10K but I'm guessing if we hired it out we would have paid $20K to $25K in our area.

[Rukh O'Rorke]

Sept 9, 2021 20:51:58 GMT -5 paynointerest said:

Sept 8, 2021 18:03:18 GMT -5 nikiz628 said:

I am participating in a free budget bootcamp through Good Budget and the first task was to figure out how much you would need to save for 1 month's worth of expenses. I sat down and budgeted it all up, including roughly what we pay per month on each CC. We need approximately $3700-$3800 for 1 month's expenses. Now I am curious, what would you need? I wonder how average our amount is or if we are WAY HIGH/WAY LOW compared to others. 

Our monthly expenses are roughly $2,800 to $3,200 per month to cover our expenses (food, utilities, property taxes, refuse, water, parts for repairs on home/auto/bicycles).  There are two of us in our household.  Lately the expenses are higher since DH is working on a major bathroom remodel -- we combined 2 small baths into one larger bath which involved moving plumbing for the vanity, shower, heating system, and toilet, framing a standing shower stall and tiling it, adding lights, etc.  We splurged on fixtures and a heating system -- it cost us about $10K but I'm guessing if we hired it out we would have paid $20K to $25K in our area.

that's a handy savings!

Maybe I should try dating again?

[debthaven]

Also, we only have one car. That's a lot of savings right there. DH usually cycles everywhere.

We had 2 cars when the kids were little because we needed a 7-seater for the English school carpool. That car died 6 weeks before the end of the last year we needed it for that carpool. Our best friends/former neighbors told us not to replace it for just 6 weeks, so we didn't.

Years later DH got a motorcycle, so he could transport the two younger kids on that occasionally. They were much older by then (HS and college). Our two older kids were out of the house by then.

[nooccar]

Hello, everyone!

I just finished the Women In Red Racers & want to transfer here to continue being motivated with my financial life. I see some familiar names here from that thread.

I have a variety of sub-savings accounts that I won't post about here since they are revolving (Property Tax & Ins, Car Ins & Maintenance, Health Expenses, General Savings [covers cost of items that don't fit in a budget category], Savings for Summer [since I have no income during the summer]).

I will be increasing the % taken out for my Deferred Compensation Plan at work which goes for stocks & bonds. Since that is automatic, I won't be tracking it here either.

What I will be tracking is my Emergency Fund ($7000 which covers more than 6 months of expenses), House Maintenance Fund ($7613.54 for eventual large item replacements), & Travel Fund ($1221.44). I won't post goals yet for this year since I need to see how my paycheck will change from the retirement increase. Total is $15,834.98.

nooccar: 9/12/2021 $15,834.98 WIRS 2021

[nikiz628]

Sept 12, 2021 11:49:56 GMT -5 nooccar said:

Hello, everyone!

I just finished the Women In Red Racers & want to transfer here to continue being motivated with my financial life. I see some familiar names here from that thread.

I have a variety of sub-savings accounts that I won't post about here since they are revolving (Property Tax & Ins, Car Ins & Maintenance, Health Expenses, General Savings [covers cost of items that don't fit in a budget category], Savings for Summer [since I have no income during the summer]).

I will be increasing the % taken out for my Deferred Compensation Plan at work which goes for stocks & bonds. Since that is automatic, I won't be tracking it here either.

What I will be tracking is my Emergency Fund ($7000 which covers more than 6 months of expenses), House Maintenance Fund ($7613.54 for eventual large item replacements), & Travel Fund ($1221.44). I won't post goals yet for this year since I need to see how my paycheck will change from the retirement increase. Total is $15,834.98.

nooccar: 9/12/2021 $15,834.98 WIRS 2021

Welcome to the party! 

[Saving4Norway]

Welcome Nooccar! Congrats on your success.  

[Rukh O'Rorke]

UPDATE



Rukh O'Rorke [1] Saving Goals for 2021

Account	Goal	Added	Saved	Percent
401k	$26,000	$882.00	$19,933.80	77%
HSA	$7,600	$296.15	$5,626.85	74%
I-Bonds	$10,000	$2,200.00	$6,000.00	60%
MM/stocks	$10,000	$250.00	$4,250.00	40%
Total	$53,600	$3,628.15	$35,810.65	67%

Rukh O'Rorke [2] Multiyear MM/stocks Goal

$ -2776.63  (Start=$11,066.31 / Goal=$20,000)

19/26 paychecks for 2021.

For my promotion, it is about 400/paycheck extra after tax, employer contribution to 401k went up $45/paycheck.

I got a nice check from an RI job, put it into Ibonds.

One of my stocks in taxable account really took a nose dive. Pretty depressing especially after raiding it for a lot of unexpected vet bills and then keeping funneling the 250/paycehck in there over the past 2 months and less than ever. But overall finances are good so not going let it bring me down.

Will rethink this particular investment, though!


I should be about 75% with the savings, but only at 67%. So need to make some more irregular investments or up my usual payroll ones before end of year. 

[debthaven]

I had to use a bit of savings to cover the fact that I barely get paid in August. 

I was very happy to see that I had forgotten to update my increased savings, so now I don't need to update having used it for August! I'm very happy about that! I'm very lucky ... DH pays for the expensive one-week family rental every summer so we can all be together. I pay for the cheap "just us" rental. 

I'm trying to find my tagline, but my savings are holding steady at 15K.

How is life as a retiree plugginaway22 ?! I would LOVE to hear an update from you!

Same for you seriousthistime ! Are you still planning to buy a place near your GS? Hope he's doing very well! I think your next grandchild will be in HI or CA (not sure which)?   

I'm AGAIN breaking my record for hours this semester. This was NOT my intention!!! I teach mainly "regular" university students, but I also teach some faculty (and occasionally staff). I have been "teaching" an accounting/auditing professor for 5 years, ie helping her with her second Masters and PhD theses. Her PhD thesis is due in early October. I just found out she wants me to proofread it with her, after editing it all. Had I known that, I would have taken on fewer hours this semester. 

I'm also in an amateur theater troupe. My play was scheduled in March 2020, so it was obviously cancelled because of Covid. Now it's on for mid-November, and I still don't know my lines, ugh.

If I don't SERIOUSLY cut down next semester, can one of you PLEASE come and tie me up/tie me down?! I'm eligible to retire at the end of the year. I've decided to do one more year (because I don't want to lose 10% of part of my pension, it's a French thing.) But I want it to be a relatively easy last year!!!

[seriousthistime]

Hi debthaven !

Yes, I'm still planning to buy a place near my DGS.  I haven't really figured out how to live between two homes, but I am looking forward to finding out. The deal is stalled because the sellers need to find a new place to move into.  They are glad to have time to figure out their end of things.  And I am glad to have a little extra time to be paying for just one place and to think about what stays here and what will go.  The idea is to see what it's like to live between two places, and then possibly sell my current place (and maybe buy another near my DD who is having her first child (DGD) in December).  That's in FL.  The idea was always to sell the current place anyway because it's not really suitable for an older person (stairs, and no bedroom or full bathroom on the main level). But I was thinking I would find a one-level place here.  I wasn't anticipating having two homes. But it could be fun. Or maybe not!  We'll see.  

I'll probably fly to my son's place for DGS's first birthday.  I will see if I can pick up two large suitcases (through the Buy Nothing group here) for checked baggage to keep at their place until I can unpack them in the new place.  There's a great furniture consignment shop in that town, and there are frequent estate sales where I can pick up kitchen items.  I belong to my "Buy Nothing" group in my current location, and I keep seeing stuff I could use in my new place but I don't want to transport it. I'm hoping the Buy Nothing group in my new location is as robust as this one is.  I also have friends who are downsizing from their current place to another one about an hour north of where they are, and I'm sure they'd love to offload some extra stuff my way.  They've been decluttering for months, but somehow you just don't realize how much stuff you have until push comes to shove. 

In the meantime, I am getting rid of clutter here. It's a never ending process. 

[seriousthistime]

And debthaven, I think your tagline is in post #128. It's on my page 5 of this thread.  I don't know if the page numbers are the same for everyone, but the post numbers should be. 

[debthaven]

What fabulous news seriousthistime ! And IL and FL are much closer than IL and either CA or HI!!! So that seems very doable! 

Given the weather, I'd probably opt for a bigger place in FL, because cheaper/more outdoor space/better weather. Plus that way you could host your IL kids from time to time. 

OLD POST
debthaven 7,551€ goal 10,000€ 75.5% (Dec 2020)
Update: 16,100€ goal 15,000€ (13 April 2021)

NEW POST
15,000E goal 15,000 (20 Sept 2021)

PS Ah, so in fact I HAD updated those extra savings! Oh well, they're spent now LOL. Thanks so much for finding the post number seriousthistime !

[plugginaway22]

How is September almost over? This whole year was consumed by the wait for my job to end/owner to sell. It has finally happened in August, but there was quite a bit of 'work from home' for the owner during the month of September. We also had a wonderful week with all 3 kiddos and grand kiddos at the beach.

Certainly have not felt 'retired' yet. Our water heater died, a huge 75 year old tree on our property came down partially in a storm so we had to have the rest taken down, my car got damaged by a biker, my elderly mother needed oral surgery, my DD's daycare had a shut-down due to staffing so I did some childcare.

What was just amazing is that I was AVAILABLE for all of these regular life things without stressing about missing work! That feeling is the best part so far...I have juggled life and work for too long! So thrilled to be done. But as I mentioned it has been a costly month, so savings and final bonus have come in handy.

I will wait for end of month to update savings and NW. This will be last year on Savers thread but I need to get back to the decluttering/organizing thread since that is on my goal list for first year of retirement. Lots of things have lapsed the last 2 years and we want to be ready if we decide to pull the trigger and sell this house/downsize.

[nooccar]

Update:
nooccar: 9/24/2021 $16,679.98

EF $7500
House 7688.54
Travel $1491.44

[seriousthistime]

Sept 24, 2021 7:19:27 GMT -5 plugginaway22 said:

How is September almost over? This whole year was consumed by the wait for my job to end/owner to sell. It has finally happened in August, but there was quite a bit of 'work from home' for the owner during the month of September. We also had a wonderful week with all 3 kiddos and grand kiddos at the beach.

Certainly have not felt 'retired' yet. Our water heater died, a huge 75 year old tree on our property came down partially in a storm so we had to have the rest taken down, my car got damaged by a biker, my elderly mother needed oral surgery, my DD's daycare had a shut-down due to staffing so I did some childcare.

What was just amazing is that I was AVAILABLE for all of these regular life things without stressing about missing work! That feeling is the best part so far...I have juggled life and work for too long! So thrilled to be done. But as I mentioned it has been a costly month, so savings and final bonus have come in handy.

I will wait for end of month to update savings and NW. This will be last year on Savers thread but I need to get back to the decluttering/organizing thread since that is on my goal list for first year of retirement. Lots of things have lapsed the last 2 years and we want to be ready if we decide to pull the trigger and sell this house/downsize.

I felt the same way when I first retired.  I had all sorts of plans.  Within weeks I was driving cross country to help out DS and DDIL with DGS, who was born so premature.  To be clear, I was helping them with the chore of living and working away from home so they could be with DGS in the NICU.  When DGS was discharged at the end of July, I stayed with them for about 10 more days and then headed home.  With a friend who accompanied me on the drive back, so then I had a visitor here, and then when she left I tried to catch up on life at home, and then decided to chance it and fly on a trip to meet up with the girlfriends for a week.  And yes, the last 8 months or so have been very pricey.

It has not been the retirement I expected, but when I think of how I have spent the last 9 months I realize the flexibility to do all of what I have done has indeed been because I retired.  And, really -- with COVID, has anybody been spending the past 1.5 years the way they expected to, retired or not?  I think the overwhelming majority of us have not. 

That's life. Expect the unexpected. 

[debthaven]

I am so happy that you had that flexibility plugginaway22 and seriousthistime ! (And a wee bit envious too LOL.)

These two posts came at a good time for me ... I planned to reduce my hours by 10% this semester. Although I have fewer "regular" student hours (so less marking), I ended up with a ton of staff/faculty classes. I accepted them because it's the perfect "retirement gig" since those can be done online from anywhere, but I'm really struggling this semester.

It looks like I will again set a new record for hours worked in fall semester (most of it face-to-face, commuting 4 days/week many weeks). So now I'm seriously thinking of reducing radically in spring semester. Every time I decide to reduce "a bit", I end up with yet more hours. So I clearly need to be more radical ...

It's still too early to decide. The regular classes are obviously planned in advance. But it takes time to know if my new faculty/staff students are diligent or not, and I have three new people this semester. But I'm definitely be giving up one class semester, and maybe even two.

You both give me hope, so thank you for that! 

[Rukh O'Rorke]

Sept 24, 2021 16:16:23 GMT -5 debthaven said:

I am so happy that you had that flexibility plugginaway22 and seriousthistime ! (And a wee bit envious too LOL.)

These two posts came at a good time for me ... I planned to reduce my hours by 10% this semester. Although I have fewer "regular" student hours (so less marking), I ended up with a ton of staff/faculty classes. I accepted them because it's the perfect "retirement gig" since those can be done online from anywhere, but I'm really struggling this semester.

It looks like I will again set a new record for hours worked in fall semester (most of it face-to-face, commuting 4 days/week many weeks). So now I'm seriously thinking of reducing radically in spring semester. Every time I decide to reduce "a bit", I end up with yet more hours. So I clearly need to be more radical ...

It's still too early to decide. The regular classes are obviously planned in advance. But it takes time to know if my new faculty/staff students are diligent or not, and I have three new people this semester. But I'm definitely be giving up one class semester, and maybe even two.

You both give me hope, so thank you for that! 

Me too! 

I'm relieved to be able to work while the pandemic/economy gets sorted out in the next year or two, but in my heart I fear I am done.


#exhausted

[plugginaway22]

Rukh...just keep stashing cash. It was easier during Covid for us since we basically did nothing but work. Never saved more my entire life than we did these past 2 years. I also was super motivated because I knew company was going to sell and I knew I was DONE. 

[paynointerest]

UPDATE!  September 2021

Pay-no-interest: $75,900.00 (Goal: $69,000)

	Goal	Saved	% of Goal	Amt Spent
My 403b	$19,500	19,500	100%
My 457b	$19,500	19500	100%
Tax Invest Acct	$6,000	6,900	115%
DH2020 Roth	$6,000	6,000	100%
MY2020 Roth	$6,000	6,000	100%
DH 403b	$12,000	18,000	150%
Total	$69,900	$75,900	110%

I have officially met all of my savings goals for the year!  I'll keep working on my husband's supplemental retirement accounts to use the tax advantage aspects of those accounts.

Other good news...I finally got my letter that stated my raise from my promotion. It was the same as my last one -- 8%. But, even better is my college gave all faculty a 2% across the board raise and some got a merit increase.  So my total raise was 10.5%!!  I'm thrilled!

I hope everyone is doing well.

[azucena]

Aug 6, 2021 10:32:05 GMT -5 azucena said:

Jul 9, 2021 10:54:49 GMT -5 azucena said:

A couple of payday deposits this month.  Closing in on 2021 goal 

Azucena $29,102 of $30,000 (97%) as of 9/30/2021

[Annie7]

Annie7 9/30/2021 $68,800 (Goal $101,000)

	Goal Amount	Saved Amount	Amount To Go	Needed By	% Met
Basement	$10,000	$10,000	$0	12/31/2021	100%
AC Replacement	$10,000	$10,000	$0	8/1/2021	100%
Spring Tuition	$16,000	$16,000	$0	12/31/2021	100%
Roof Replacement	$30,000	$0	$30,000	2023	0%
Emergency Fund	$35,000	$32,800	$2,200	9/1/2022	93%
Total	$101,000	$68,800	$32,200		68%

I removed the Auto Maintenance which was done. Added in DS2's final tuition and Basement repair after Ida.

I don't expect to get to the goal this year and that's ok. I'm assuming I won't need the roof replacement until 2023 and so might have some time to save for that.

Apr 2, 2021 14:15:11 GMT -5 Annie7 said:

OK, I'm ready to start tracking my Savings goals. I will be spending most of the savings when I need to. I will tweak things as I go along. 


Annie7 3/31/2021 $29,200 (Goal $76,000)

	Goal Amount	Saved $	Amount to Go	Needed By	% Met
Auto Maint	1,000	1,000	0	5/1/2021	100%
AC Replacement	10,000	10,000	0	8/1/2021 (?)	100%
Roof Replacement	30,000	0	30,000	2023 (?)	0%
Emergency Fund	35,000	18,200	16,800	4/1/2022	52%
Total	76,000	29,200	46,800		38%

[seriousthistime]

Sept 24, 2021 16:16:23 GMT -5 debthaven said:

I am so happy that you had that flexibility plugginaway22 and seriousthistime ! (And a wee bit envious too LOL.)

These two posts came at a good time for me ... I planned to reduce my hours by 10% this semester. Although I have fewer "regular" student hours (so less marking), I ended up with a ton of staff/faculty classes. I accepted them because it's the perfect "retirement gig" since those can be done online from anywhere, but I'm really struggling this semester.

It looks like I will again set a new record for hours worked in fall semester (most of it face-to-face, commuting 4 days/week many weeks). So now I'm seriously thinking of reducing radically in spring semester. Every time I decide to reduce "a bit", I end up with yet more hours. So I clearly need to be more radical ...

It's still too early to decide. The regular classes are obviously planned in advance. But it takes time to know if my new faculty/staff students are diligent or not, and I have three new people this semester. But I'm definitely be giving up one class semester, and maybe even two.

You both give me hope, so thank you for that! 

Being retired seems to have improved my health, at least as far as weight goes.  

When I was WFH, I was primarily stuck in a corner of my spare bedroom, often with paper files spread all over the twin beds and every bit of floor space, and boxes of files filling the hallway to the master bedroom. That's mentally unhealthy because I could never get away from the physical reminder of work.  I'd start the workday at 6 a.m. or before, end at 4:00 or 4:30 (completely fried), and then think about dinner.  I'd have wine, look at the stuff in the fridge, and be too tired to cook something nutritious.  Sometimes I'd just snack.  Other times, wine would become dinner. 

I've lost 10 pounds over the past 5 months, without really trying.  I've become more attuned to what my body really needs. Portion control has become a 'thing' and after a decent portion I ask myself if I need more as opposed to wanting it or trying to make up for a missed meal.  Often, what would have been consumed in one meal is now consumed over 2 or sometimes 3 meals. After being away from home for 6 months, I am making a big effort to dig deeper into the freezer to consume the meats and veggies I'd stockpiled. I prepare dinner earlier in the day when I have more energy, and I eat dinner earlier (now I understand why there are Early Bird Specials at restaurants). I don't feel overstuffed when I go to bed.  I generally sleep better.  And if it's a night when I don't sleep well, I can get through the day just fine because it's not multiple nights in a row of not sleeping well. 

I wonder if I've transitioned to intermittent fasting.  I get up around 6:30, and am usually finished eating around 4:30. 

And I now weigh what is shown on my driver's license!  

[debthaven]

Fantastic news seriousthistime and paynointerest !!!

[seriousthistime]

Hi Savers, 

I'm updating the smilies on Monday.  Please post any updates you may have by Monday afternoon.  

Thanks!

[Rukh O'Rorke]

UPDATE



Rukh O'Rorke [1] Saving Goals for 2021

Account	Goal	Added	Saved	Percent
401k	$26,000	$882.00	$20,815.80	80%
HSA	$7,600	$296.15	$5,923.00	78%
I-Bonds	$10,000	$100.00	$6,100.00	61%
MM/stocks	$10,000	$250.00	$4,500.00	45%
Total	$53,600	$1,528.15	$37,388.80	70%

Rukh O'Rorke [2] Multiyear MM/stocks Goal

$ -1650.61  (Start=$11,066.31 / Goal=$20,000)

20/26 paychecks for 2021.

one more payday towards freedom.

6 more for this year! keep the faith savers!!

[seriousthistime]

Update

Name	Start	Current	Goal	% Saved	Spent
Emergency Fund	$2,000	$2,003	$2,000	100.0%
Gifts	$14	$879	$2,300	38.2%	$1,389
Travel	$2,310	$4,002	$5,000	80.0%	$998
Property Tax	$2,785	$9,194	$5,500	150.4%	$2,728
Periodic Expense	$0	$2,003	$2,000	100.0%
Weekly Savings	$227	$1,250	$1,605	77.9%
Total	$5,560	$19,331	$18,405	105.0%

Serious this time [1], 10/3/2021, $19,331(Goal $18,405)

Serious this time [2], 10/3/2021, $1,004 (Goal $10,000) (DGS's OOP medical)



Weekly Savings

	$9		$11		$13
	$23	$24				$28
$29			$32	$33	$34
		$38	$39
$43

It's all laid out for me here: I need to focus on travel and gift savings. It's been a pricey year for gifts.  I bought thank-you gifts for the friends I stayed with for so many months, and for the people who watered my plants and watched my home during that time.  There was a memorial gift, and shower/wedding gifts, as well as birthday gifts for my kids and their spouses. For 2022 I need to increase the gift budget. 

I also cash flowed most of my travel this year.  The $1,000 reduction represents a deposit on a place for my December trip.  Paying the rest of the cost will deplete the entire budget plus some.  I also need to increase my travel budget for 2022.

But that's what savings are for. All savings are meant to be spent, including retirement savings. Delayed <-> gratification. 

[plugginaway22]

Serious...2 thoughts...I hope your post-retirement weight loss is something I will see! (gained almost 15 lbs since start of Covid)

And regarding gift budgets...been wondering if we should keep it the same or reduce? While working I've been very generous with kids/grand kids and feel like maybe that needs to be dialed back a bit. Who knows how many more grand babies we might get?

[seriousthistime]

Updates!!!

Stars	Name	Savings	Goal	% Saved	Roses	Smilies
	Annie7	$68,800	$101,000	68.1%
	azucena	$29,102	$30,000	97.0%
	bobosensei	$7,680	$29,550	26.0%
	debthaven	15,000€	15,000€	100.0%
	forwardwego	$4,650	$15,000	31.0%
	nidena	$26,045	$145,000	17.9%
	nikiz628	$5,447	$7,750	70.3%
	nooccar	$16,680
	paynointerest	$75,900	$69,000	110.0%
	plugginaway22	$4,916	$24,000	20.5%
	Rukh O'Rorke [1]	$37,389	$53,600	70.0%
	Rukh O'Rorke [2]	$0	$20,000	0.0%
	Saving4Norway  [1]	$7,560	$7,503	100.8%
	Saving4Norway [2]	$7,891	$7,503	105.0%
	Saving4Norway [3]	$7,503	$9,000	120.0%
	sealy [1]	$8,000	$25,000	32.0%
	sealy [2]	$0	$1,378	0.0%
	seriousthistime  [1]	$19,331	$18,405	105.0%
	seriousthistime [2]	$1,004	$10,000	10%
	shanendoah [1]	$6,000	$4,000	150.0%
	shanendoah [2]	$8,500	$10,000	85.0%
	snapdragon	$5,000	$5,000	100.0%
	speechchick71	$1,200	$20,000	6.0%
	steph08	$41,508	$42,684	97.2%
	teachermom [1]	$5,248	$5,800	90.5%
	teachermom [2]	$450	$1,800	25.0%