Are they comfy dresses? Comfy cute dresses during pregnancy sound pretty important.
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June update -
retirement savings: $974
savings account: $700
Not as good as last month, but I think I’m doing pretty well given that we needed to take several unexpected cab trips and have the air conditioning repaired (which the landlady will reimburse, but it’s still a ding to the budget this month). the aforementioned cab trips and having a repairperson in also mean that I’ve been in closer contact with strangers than I wanted, but them’s the breaks.
YTD: $16843, or 84% of my goal.
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It’s that time!
July: £1000 to investments, £306 to my pension. £152.28 ( I wanted to get to an nice even number 
) to cash emergency account .
Total for the year is at £9459 . Target is 9072 so it’s looking fairly comfortable to hit this (in fact, given that I’m expecting some stock options I might even be able to get to £20000 rather than $20000? At which point I’ve gone over my ISA limit which is a whole new nice problem to have)
The whole money thing feels rather easy at the moment because my discretionary spending has basically gone down to just groceries and books - assets just ticked over £50,000. I’m funnelling most of the excess over my usual savings goal into charity at the moment because I feel like that’s more useful for both the world and my ability to feel ok about the world than getting used to an artificially high savings rate. Though my graphs are rather nice too.
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July update, currently at $23430.80 - so about 80% of the total needed ($29k Australian)
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Stock Options came in, so I’ve added £5000 to investments, putting me at £14459 ($18,309) - getting very close!
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We’re at $16k/$20k, thanks to a tax return.
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Continuing to update just to track - it got me motivated to actually go calculate these numbers.
$16,332.75 paid off on mortgage
$31,861.69 savings RRSP, TFSA, non-reg accounts, questtrade
Profit sharing and company match for stock purchase help contribute $11300 to the savings Ytd, so $20,500 was done out of my pay. Wow. It doesn’t seem like it when I see the deductions come off bi-weekly. I feelI don’t have much extra money because my deductions tighten up what gets deposited in my account. Out of sight out of mind really works best for me.
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July Retirement Savings
- $2,700 457 plan
- $214.17 mandatory employee contribution
- $621.81 employer contribution
- $0 403(b)
Total YTD: $21,340.08
106.7% to 20k!
Ok, new challenge needed. Maybe 2020=20+20= Challenge of saving 40k? Assuming I keep my job through end of year, I should get another almost 13k in there for retirement accounts. So 40k seems doable if I add in payments towards house principal.
NEW Challenge
- Mortgage Principal $3,395.82 (ytd)
Total YTD: $24,735.90
61.84% to 40k!
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$19197.07 between savings and investments so far this year.
I feel so incredibly fancy.
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Look at your avatar. You are incredibly fancy.
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If only I were currently that fancy. My hair is no longer that level of cute, alas, I need to give myself a trim…
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It’s a pandemic, ain’t nobody that fancy anymore.
Well, maybe @anomalily and @AllHat. They are Fancy AF.
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I’m “fancy” today because I’m wearing a bra, and clothes I didn’t wear yesterday, and I showered less than 24 hours ago.
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That is fancy. I’m in a purloined pair of basketball shorts, a work granted t-shirt and the bralette I haven’t taken off since I put it on after my shower yesterday morning(more than 24hrs ago). I’m claiming to be trying the no-poo thing, but am really just way too lazy to wash my hair. Hello Depression, is that you?
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I would do that if my scalp didn’t get itchy and awful after ~2-3 days without a wash.
Hey y’all I know we were doing a savings challenge but now it’s just Marcela and I talking about our current hygiene standards I hope that’s okay 
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I have precisely zero idea how to assess my progress on this challenge, given the home purchase and home improvement work and stuff. Just like… not even sure how to measure anymore.
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I don’t think home purchase years are years where you measure money savings. Home purchase years are purchase years – they’re the reason you saved in the first place.
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Measure down payment/ principal payments?
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Well there’s been crazy stuff too like how our mortgage underwriter messed up and made a $7k error in our favor. And we put a ton in IRAs, but already has that as cash on hand, so it wasn’t saved at the time directly.
…I might just officially give up.
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Let’s not talk about my hygiene 
I’ve just recently remembered that we’re buying shares as part of Ponder’s company scheme. Turns out we’re putting $700/month in, not to be sneezed at, and they’ve started vesting this year. I have been increasingly feeling like money is tight despite our huge income and this was a bit of an “oh duh” moment as to where as the money was going. I’m not counting it towards our challenge money, but this stuff is making me work out what we set up ages ago that I’ve forgotten about!
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