YTD: $14,900
This month I spent on a sort of planned, sort of spontaneous holiday and also bought accommodation for another holiday in December.
3 months to go, $6k to go. Can I manage to save $2k/ month? Er, maybe. Probably not. This has been a lot of fun. I have a wishlist that is about $11k so if I get those things and fail the challenge, I’ll still be pleased with myself!
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I actually reached this last month and totally put off posting accidentally. Will now Badge myself!
August Update!
Total Pre-Tax Income All Sources (including employer 401K cont): $4,699.88
Total August Savings: $2,367.50
- Cash Savings: $300.00
- Traditional 401K: $1,883.00
- SEP IRA: $60.00
- Employer Cont: $134.50
August Percentage Of Gross: 50.37%
YTD August Savings!!!: $21,405.62 - hit the goal at 66.67% of the way through the year. 
September Update
Total Pre-Tax Income All Sources (including employer 401K cont): $4,575.90
Total September Savings: $2,405.01
- Cash Savings: $300.00
- Traditional 401K: $1,883.00
- SEP IRA: $60.00
- Employer Cont: $134.50
Pre Tax Percentage: 52.56%
YTD September Savings: $23,810.63 - 113% of the goal!
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September 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
September = $3,050.12
Total SL = $23,064.78
Plus 401K = $2,400
Total for 2021 = $25,464.78!!! 121% of Goal!!!
I think I’ll finish the year around $35k
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September Check In
Mortgage Principal: $1005.30.
Pension: 1134.76
Total Savings in September $2140.06
Year to date savings $34,730.36
The Union was supposed to be done negotiating by now, however, apparently extra dates have been set. Still hoping for a painless contract, before the end of the year.
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Almost!
My September withholding
- Pension: 358.25
- HSA: $645.00
- 457b (Roth): $1,800.00
His September withholding
- To be determined once I remember to ask him for his paystub
Updated totals
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
April withholding: $3630.75
May withholding: $3,630.75
June withholding: $2,191.51
July withholding: $2,191.51
August withholding: $2,798.75
September withholding: 2,803.25 + his withholding
Total: $40,473.77 + his withholding
Will edit when I get his, somewhere in the neighborhood of $800.
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Numbers are thru October, nothing will change in the next few days.
Pre tax income $44,755
Total saved $20,827
46.6% of income saved, I am very excited. I never know what I will make with working on commission, so if I can get near 50K I am thrilled.
SO CLOSE! HAHA!
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October Check In
Mortgage Principal: $1001.81
Pension: 758.69
TFSA: 2000
Total Savings in October $3760.50
Year to date savings $38490.86
The Union has come to an agreement, I am hoping that our back pay (back to April 1) will arrive sooooon to help me get to that 42,000 goal!
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Huh, completely skipped September update 
Now End of October 18,325 Euro Should be on track 
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Moving over here from the 21% challenge, because I’ve safely surpassed that and am probably going to make 21k.
Year to date pretax income
Old job $35,247.88
Tiny side job $1,505.68
New job $16,334.60
Cares act tuition refund $750
Stimulus payment $1400
Total $55,238.16 + negligible savings account interest that I’m still too lazy to look up right now
Year to date savings
Credit card debt payments $2,053.05
Easily accessible emergency fund $3,000
Less accessible emergency fund $8,722.28
Roth IRA $2,150
Old Job Simple IRA contributions $804.32
Old Job Simple IRA match $804.32
New Job 401k contributions $1,116.02
New Job 401k match $1,022.97
Total $19,672.96 with employer contributions, $17,845.67 without
35.6% or 32.3% savings rate at 83% of the year.
I feel like I must have done my math wrong, that’s so much money saved. Like a shocking amount of money saved. 5 years ago I earned a little over $25,000 a year, saved nothing, and felt like I was drowning in credit card debt, and now I’m nearly saving that much, it’s wild. It’s really nice to do this check-in, because I definitely feel more secure in my finances and see a nice number looking back at me when I open YNAB, but to actually calculate it all out makes it feel real.
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High five!
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Thank you!
Congratulations!
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We hit 2x last month (I think). We completed the goal!
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We are either way behind and won’t make it, or I relax any 1 of my various no bonus/ no mortgage/ etc rules and we’ve easily got $21k saved. I guess I would like to do a little calculation at the end of December to see where we actually ended up for savings if I include everything, and compared that to actual income.
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Bravo!! This is so awesome. 
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October 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
September = $3,050.12
October = $672.98
Total SL = $23,737.76
Plus 401K = $2,800
Plus EF = $1,652.19
Total for 2021 = $28,189.95!!! 134% of Goal!!!
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Well, I still haven’t seen his paystub for September, and now I haven’t seen October, either. But
We Did Eeet!!!
My October withholding
- Pension: 358.25
- HSA: $645.00
- 457b (Roth): $1,800.00
His September withholding
- To be determined once I remember to ask him for his paystub
Updated totals
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
April withholding: $3630.75
May withholding: $3,630.75
June withholding: $2,191.51
July withholding: $2,191.51
August withholding: $2,798.75
September withholding: 2,803.25 + his withholding
October withholding: $2,803.25 + his withholding
Total: $43,277.02 + his withholding
Will (maybe) edit when (if) I get his, somewhere in the neighborhood of $800 per month.
Edit: @anomalily - we did it!
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+2850 for 18850/21k. 250 is incoming as soon as I transfer vacation monies from SIL out of Venmo. So I’ll say 1900 left.
November is always a bit expensive with holiday gifts and flights, but I think I/we can hit the goal by end of year!
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November Check in
Extra super - $1500 (total - $8469.19)
Investments - $1490 (total $15410)
Extra Mortgage Payments - $1151 (total $19122.82)
Total savings for the year - $43002.01, I am mainly checking in because its above $30k USD. And I am kinda shocked I have managed to save this much
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That’s awesome! 
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