Hey hey the badge is FINALLY out for 23 in 2023 challenges so if I’ve missed you and you’ve reached your goal, please @ signal me and I’ll grant you the badge.
The stickers are coming soon, featuring this Year of the Rabbit cutie.
And if you’re ready for your stickers, here you go! Please fill this out!!
@anomalily I could’ve sworn I entered this challenge (or one of the 23 in 23 challenges), but maybe I didn’t - can I still get a badge and sticker if I completed it? 
Total savings rate ended up being 35.87% of income: $29,458.92.
Deets:
Student loan payoff: $17,787.62. This was a surprise, because I wasn’t expecting to be able to pay it all off this year!
401(k) contributions: $12,100
now off to officially join one of the 24 in 24 challenges lol
Yes! You may have entered on another thread and swapped?
Ok. Well, we hit the base, just, and entirely using Ponder’s bonus plus some other small bits of pre-set savings. Otherwise we spent everything we earnt this year. Definitely going to be cutting back/ working out how to earn more next year.
The badges are SO CUTE
The stickers are glitter!!’
Right? They made me actually go and check how much we saved this year. It isnt as really terrible as I thought! Thank goodness for some forced savings and a bonus.
I think i need to create more forced savings.
Beginning of December
So much for posting monthly this year - it’s been since April when I last updated
Year to date:
Mortgage Principal: 7792.66
TFSAs: 14600
OMERS: 9423.64
RESP: 2500
Total YTD: 38949.88
Remaining: $1510.12
We are at about 96% to the goal around 95% into the year. We should be able to barely make it.
Hey, I could put stickers on drinking vessels! But don’t they come apart in the wash then?
This brought to you by omg, that’s cute!
I only wash this by hand but this sticker is waterproof at least
omg so cute!!! And here I don’t know if I am going to meet the goal (well, the 23% one). 
You can always go to the $23 week/month if that is easier to achieve!
I could, it would feel like cheating though (I am way over that amount, don’t want anyone to feel bad). But sticker… sooooo…
The whole point is to have somewhere to go if you aim for 23% and can’t make it!
There are only a couple of us in there and I think we’re all dropouts of other goals! Join us!
Ah! Sticker is so cute and I did it!
Dec 18 - Done!
Year to date:
Mortgage Principal: 12,948.89
TFSAs: 15600
OMERS: 9822.74
RESP: 2500
Total YTD: 40871.63
There will still be one more OMERS contribution this year (about another $400), one more payment to the mortgage (About another $500).
Additionally, I know I said I wasn’t counting car payments (depreciating asset etc), but we did put a $5000 pre-payment on the truck, so that was money that could have gone to TFSA’s but instead went to cutting about 8 months off of the truck payment. (So not included in numbers above but noted, because).
I got my commission check so this is final numbers for the rest of the year. Sales were down a good chunk (20ish %) compared to the last 2 years, but I am happy with this income. More would certainly be welcome of course. Hopefully sales improve next year. 
Total income $57,537
Total saved $27,660
48.1%
