What challenges am I in 
whatever, I’ll post on this one! Pretty sure I’m doing this one.
March direct action NW increase: $5,770
YTD direct action increase: $7,073
I think. My brain can’t hold numbers anymore and my spreadsheet looks like soup and Mint doesn’t update anymore. Send help 
34% of the way there?
We got paid this month! Always a relief, especially now that we both work for the same place. But I can’t access his paystubs without him, and he’s currently writing a test. We’re still on track, have not yet funded his 2020 IRA (will before 4/15), and his pay for the month was $44, so the retirement funds finally came out! More later.
March was a big spending month so there was very little put in savings. Also - how are people treating 401k (TSP) matches? I haven’t been counting the match amounts, but now I think I should. No mortgage payment for March because we made 2 in February, and now due to the refinance we won’t have payments in April or May either. Good for cashflow but bad for automatic savings. However, this is a 3 paycheck month, plus we are getting back $1550 from our refi so there will be a lot available to save this month.
Mortgage Principle: $0 ($1957 Total)
TSP: $780 ($2340 Total)
29 Accounts: $600 ($900 Total)
Roth IRA: $0 ($0 Total)
Vanguard Taxable: $0 ($0 Total)
TSP Loan Savings: $0 ($0 Total)
YTD Total: $5197
| January | February | Total | |
|---|---|---|---|
| Mortgage Principle | $650 | $1,307 | $1,957 |
| TSP | $780 | $780 | $1,560 |
| 529 Account | $300 | $0 | $300 |
| Roth IRA | $0 | $0 | $0 |
| Vanguard Taxable | $0 | $0 | $0 |
| TSP Loan Savings | $0 | $0 | $0 |
| Total | $1,731 | $2,087 | $3,818 |
I think I’m counting it, come to think of it. Since I just see the deposit numbers into the 401k account. We’re fully vested though, that might change if that weren’t the case. But I figure, it’s money that we’re earning and saving, and not being double counted in any way.
March Check in (a bit late)
Extra super - $750.78 (total - $2002.08)
Investments - $2000 (total $4000)
Extra Mortgage Payments - $1578 (total $4591)
Total savings for the year - $10593.08, so about 38% of the way to the goal.
Hey all, I’m joining late because…well, I decided to not go to graduate school abroad in August, and hope to have a steady income all year. So now I may be able to hit $21,000. Just upped my 401K at work to 38.5%
Transfering from 21 in 2021 Challenge: Save 21% of your income in 2021
Income (Post-Tax)
YTD Cash: $4,956
YTD Retirement: $2,331.01
(34.7% of the goal at 24.6% of the way through the year)
OK, belatedly:
My withholding, March
Total $2,798.75
His withholding, March
Total: $832.50
His 2020 Roth IRA, which we finally funded this month: $7,000.00
Jan withholding: $2,798.25
Feb withholding: $2,798.25
March withholding: $3,630.75
Roth IRA (hers): $7,000.00
Roth IRA (his): $7,000.00
So, we’re there. @moderators
*Seriously, this is the terriblest “pension” ever; interest this year is set at 0.00%. Seriously. But it gets the university out of paying Social Security for any of its part-timers. Technically, it looks like they can’t include Husband in this since he’s vested in the real state pension, but it’s just not enough money to fight over. Which, of course, is how they get away with it, that and being state government.
Well, don’t have the April paystub yet, but do have a pending deposit for both of us (same employer). I can at least confirm that this month, we spent less than my net paycheck (and didn’t touch his $44) even with the higher withholding numbers from fall (when my net pay is higher, because in spring they take out the premiums for our summer benefits). So we may be doing okay to keep with the same withholding. It’s about to be a moot point since May is my last paycheck until end of August.
And it actually looks like we’ll both have some supplemental income over the summer (no withholding available) so it may be getting on toward time to put more of the efund into investments.
Details on savings when I see pay stubs.
Income (Post-Tax)
YTD Cash: $6,563.15
YTD Retirement: $4,232.83
(51.4% of the goal at 33.3% of the way through the year)
This was a 3 paycheck month and I got back-pay for when I was on mat leave. Plus we had “extra” income that was cash back from refinancing our house. So we had A LOT of income to put toward savings this month. Not included in this tally is the money we put toward sinking funds, including maxing out some of our sinking funds.
| April | Total | |
|---|---|---|
| Mortgage Principle | $0 | $1,957 |
| TSP | $925 | $2,486 |
| 529 Account | $600 | $1,500 |
| Roth IRA | $0 | $0 |
| Vanguard Taxable | $0 | $0 |
| TSP Loan S/RePay | $3,190 | $3,568 |
| House DP Fund | $2,289 | $2,289 |
| Total | $7,004 | $11,800 |
2.8k toward DP fund for 7.5k/21k my contributions this year. Right on track. We are tantalizingly close to a quarter of the way (50k/200k goal)!
April Savings- I had some stock options vest this month so split between extra savings and donations.
£1900 to LISA
£800 to pension
Monthly: £2700
Total: £9434
End of April: $7,290! Last month was 3 pays for Ponder.
Medical expenses are still high but I should get some money back once baby’s registration comes through and I can get refunds from Medicare.
Update April,
I added nothing to savings. The 1500 Euro supposed to be added were used up by a new laptop (I literally smashed the old one 
) and a loan I gave to a good fried. Add an uptick in expenses with a few necessary clothes and there is nothing left for savings.
I will get the loan (750 Euro) back at the end of May, so I hope to be back on track at the end of the month.
Jellaba
Oh my gosh, your poor laptop! I’m glad you were able to replace it without much financial stress - that is what savings are for!
This is true, I was sooo angry with myself because I smashed a 2020 MacBook Air, 13 month old. 
I continue to be baffled by how our household finances work, in spite of tracking every penny.
Year to date direct action savings: $14,951.79
Year to date NW increase: $72,172.97
The stock market is insane, we’re insane, everything is insane. 
Ugh so this number is a little fucked up and I don’t know how to fix it. Some of the IRA contribution was cash flowed, some was already in our accounts, meaning by doing a manual adjustment I’m double counting some of it… but I’m not sure how much. 
April Check in
Extra super - $500.52 (total - $2502.60)
Investments - $1000 (total $5000)
Extra Mortgage Payments - $1578 (total $6169)
Total savings for the year - $13948.40, so about 49% of the way to the goal.
April!
Mortgage Principal: 989.90
Pension Contributions: 758.69
Total Savings in April: 1747.59
Year to date savings: 16973.71
Not a fantastic month, but looking back over my history it seems that we have one low / followed by one high. There is funds in our short term savings right now, some of which will go to TFSA’s but we also have a surprise bathroom reno in the works that will need to use some of that money for.