February Check in
Extra super - $500.52 (total - $1001.04)
Investments - $1000 (total $2000)
Extra Mortgage Payments - $1595 (total $3013)
Total savings for the year - $6014.04
I decided to just count additional mortgage payments not mortgage principal to make it a bit more of a challenge for myself.
Delta sans market is our direct action savings. I do 1st of the month numbers, so that’s why there’s two columns not being counted there- those are last years actions. I just migrate them to the new spreadsheet so I can see changes and such. It still boggles my mind that even with what I feel is insane amounts of spending (like, oh, a $11k house disaster), we still are saving money somehow. 
So, up $1300 for the year so far. That’s obviously not on track for the goal (that would be less than $8k for the year), but I also don’t plan to have framing issues every month 
REALLY hoping we can still swing the $21k goal in spite of buying a second car 
Good luck B_J!!!
I expect we will put 2k in the house fund this month, about half the goal/usual. Between buying a new phone at the end of Jan and making a large gift I do not regret (deets on journal)…well it came out of discretionary, haha.
This will put us at 6k/42k, 1k behind a linear progression. However, my 5 paycheck months this year are Apr, Jul, Sept, Dec so I expect to catch up!
Month three has been a bit of a mess income-wise. My company is in the middle of an acquisition, so we’ve had a weird payroll where income tax was crazy high and they messed up pension contributions. So, no money to post-tax accounts at this point (I might have a little left over at the end of the month but I want to leave a buffer, and £989 (not including employer contributions) to my pension.
Monthly: £989
Total: £4306
February:
$2557.12 to savings account
$815.60 to retirement account
Total YTD: 6409.38
This month we got a significant tax refund but also bought a costly new drawing tablet, which I think about evened out.
Another atypical month in that pension contributions were much lower than usual for administration reasons, so we’re more accessible than usual.
£1600 to ISA (maxed out my year’s limit for the first time which is exciting!)
£480 to cash savings.
£348 to pension
Monthly: £2428
Total: £6734
Slightly behind target but hopefully catch-up-able
March was a great month for us which included receiving our 2019 tax refund (filed very late for Reasons).
Mortgage Principal: 987.42
Pension employee Contribution: 758.69
RESP (two children): 7500 (RESP now maxed out for the year)
RDSP (one child): 2000 (Finally caught up after four years, and maxed out for the year)
Total to savings in March: 11246.11
Total for 2021 to date: 15,226.12. I’m thinking as a two-income household, I should maybe aim for 21,000 x 2 = 42,000 for the year
That is all of the children’s accounts maxed out for 2021, so the rest of the year now goes to the parents TFSA’s
I’ve decided to only do regular updates on my contributions. That seems… More right.
$5k/$21k so far. May add $1k more after April 1 paycheck (1st of 5 paycheck month, pay yourself first!)
March:
$3114.58 to savings account
$815.60 to retirement account
Total YTD: $10339.56
I decided taxes could come out of our income. We can manage the challenge!
We are at $3,150 at the end of March.
Update on March 31st : 6482,35 Euro
I had some expenses for food and other stuff which will last for a few month but overall I am on track.
Beginning today I got a raise, which should be result in roughly 700 Euro more net income.
I have changed the automatic payment to savings beginning 1.5.2021 to 1500 Euro/ Month. I am pretty much on track to reach the 21k. 
$1555.51 to savings ($4507.36 for the year)
$2177.14 to investments ($13,209.63 for the year)
$0 extra to student loans ($635.96 for the year)
$3732.65 in total ($18,392.95 for the year)
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.
