I have not done a lot of monthly money numbers on here recently, but current YTD:
$5847.85 to savings for the year
$19964.98 to investments for the year
$4729.93 extra to student loans for the year
Total of $30542.76.
Woo I did the thing?!
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+3k for 12.5k/21k to date. Need 1.7k/mo of my contributions to meet goal this year!
ETA or 2125 assuming I will skip a month for holiday expenses.
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What is your revised goal? 
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you did the thing! 
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Mostly just keep on keeping on! We have some financial chaos upcoming (both for good and bad) and so trying to target a goal is just kinda… hard.
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July Check In
Mortgage Principal: $2199.69. I doubled up 1.5 payments, which can be skipped later if necessary
Pension: 758.69
TFSA: 2000
Total Savings in July 4958.38
Year to date savings 29928.24
So, the reason for doubling the payments is that my union is currently contractless, and we are negotiating in September. 7 Years ago, we went on strike. Now I know that another strike is very unlikely, but, I usually double up three payments worth, that I can later skip if a strike happens. Canadian eh, so our mortgage is (was) only on a five year term, and we just renewed it last winter, so the funds I had previously doubled on it are no longer available.
Normally, the doubling happens not near a strike year? and usually, Sept - Dec, when I’ve paid the max CPP for he year and our paycheques are higher. This double up will cover this negotiationa nd the next one, and while I know it’s smarter to take those payments and put them in an emergency fund, my brain needs to know that I can skip that big expense if necessary.
The last strike was three weeks long, I usually pay ahead three payments (six weeks worth).
I should start a journal probably to keep rambling about all of this.
we are in a much, much better position if we strike than last time. It would suck, but we’d be ok and not panicking. We have a healthy emergency fund, and my husband no longer is in the same union, so while I’d be striking, he wouldn’t be.
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I am now at 13.011,43€
I am also expecting tax returns in August, should be around 2.000€
Staying on track…
July 2021 Checkin - getting close!!
Income (Post-Tax): $2,020.93
- Day Job #1 after 401K: $1,767.36
- Oh My Dollar: $253.13
- Bank Interest + Misc: $.44
Total Pre-Tax Income All Sources (including employer 401K cont): $4,949.02
Total July Savings: $2,218.19
- Cash Savings: $100.69
- Traditional 401K: $1,883.00
- SEP IRA: $100.00
- Employer Cont: $134.50
Pre Tax Percentage: 44.82%
YTD Cash: $8,312.46
YTD Retirement: $10,725.66
YTD Total: $19,038.12
(91% of the goal at 58% of the way through the year)
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Admin note: I’ll be assigning badges to folks that have reached the goal this week!
In 2 weeks I’ll be doing the first round of mailing out stickers! 
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I worked it out, YNAB is fucked WRT credit cards.
We saved $850 and are now at $11,950.
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Ok I finally sat down and did YTD calculations to August 1st…. All in CAD
Mortgage payments - $13,743.67 (will be finished in 5 more weeks!)
RRSP- $5885.53
TFSA- $3576.48
QT unregistered- $4240.00
Profit sharing (split between defined pension and rrsp)- $9,370.55
Company stock purchase match - $2313.78
YTD Grand total - $39,130.01
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Looks like we’re at $12,775 saved direct action (not market) for the year. So 61% there? If I’m matching right, that seems high. And about the same % through the year. Plus husbands PTO will cash out, and then a raise, so hopefully we’ll glide right into this.
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I forgot to do my July check-in, even though I calculated it all out in my spreadsheet 
As of right now we have met the $21k goal! Of course this all might go out the window when (if) we buy a new house, but for now it all counts as savings!
| July | Total | |
|---|---|---|
| Mortgage Principle | $766 | $3,489 |
| TSP | $1,157 | $24,367 |
| 529 Accounts | $600 | $3,300 |
| Roth IRA | $0 | $0 |
| Vanguard Taxable | $0 | -$17,000 |
| House DP Fund | $1,496 | $7,893 |
| Total | $4,019.00 | $22,048.69 |
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I actually underestimated our number a little bit because I didn’t have the 401k contribution high enough, not sure how many months back this effects. 
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July update
Student loans = $19,213.68
401k contribution = $1,600
Total YTD = $20,813.68
So very close
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It’s payday 
so here’s my update;
Mid August update
January = $619.36
February = $1,893.88
March = $6,225.04
April = $896.02
May = $2,531.83
June = $3,347.36
July = $3700.19
August = $800.98
Total SL = $20,014.66
Plus 401K = $1,800
Total for 2021 = $21,814.66!!!
As a side note I have only $3,723.10 left on my student loans! Should be free and clear this fall 
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Hello all - dropping in to say please tag @anomalily when you hit any goals so we can get you your forum badge!**
When you hit your goal, fill in this form and you will have your glorious sticker mailed**
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Form filled in (this isn’t a full 2021 report, just a YTD), plus here’s your @anomalily for the badge. 
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oops I was gone for a really long time but climbing back on the bandwagon now…
Apr-Aug:
$1157.35 to savings account
$4078 to retirement account
Total YTD: 15574.91
Quite a bit less savings than usual these last few months. Turns out moving is really expensive (which I’d planned for) and a friend went through a bad breakup and abruptly needed assistance with things like a security deposit and furniture (which I hadn’t planned for, and was emotionally and logistically rough but I’m so glad I had the resources to help her, it would’ve been way worse if I’d wanted to help but couldn’t). But I’m patting my past self on the back for setting up automatic retirement deductions and saving enough that I’m still on track for the overall yearly goal.
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August Check in
It seems I missed July, oops.
Extra super - $1000 (total - $4969.19)
Investments - $1490 (total $9490)
Extra Mortgage Payments - $3872.82 (total $13265.82)
Total savings for the year - $27725.01 so have achieved my goal ($27620)
@anomalily can I please have my badge
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