Q3 obviously doesn’t end for a few more weeks and I only get the Boy’s pay info quarterly. But I thought it would be a good exercise to do a check in using estimated numbers- there’s not a huge amount of variation in his paycheck savings.
As of the end of August, we are at $7830 saved. Adding back in the savings that went to the heat pump puts us at $17,492. We are on track for my base goal!
We will NOT be meeting the stretch goal (saving $20,240 without adding the heat pump back in). My mom is giving us some $$ to put in the children’s 529 plans but that doesn’t feel like “my” savings so my instinct is not to count it.
Next year I will need to drop down to a lower savings category because my health insurance premiums are skyrocketing for capitalism reasons.
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I DID IT!!!
AND YES I AM AWARE I NEED TO MAKE STICKERS AND BADGES
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Lily’s post reminded me I should check in here and – ahhhh! as of this month, we did it! I was fully anticipating that we would need to roll down retirement contributions and we haven’t, so that’s just very exciting. It’s nice to remember that we did this even as we’re sitting here bleeding mortgage interest.
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Trying to check in on all my challenges. I’m actually so close!
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Almost there! After Quarter 3 we are at $19552 saved, NOT COUNTING money removed from savings to buy a heat pump.
I realized I do not have to wait for my husband’s pay stubs to see if we meet our goal- I can check his 401(k) website to get the exact amount of each month’s contribution. (He is hourly, not salaried, and it’s a percentage, so a little different every month.)
I was especially gratified that our savings rate for the quarter was a hair over 20%! It is not that high every quarter. And that’s of our total gross income, so including things like child support and the credit card rewards that I cashed in.
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Oh! Oh my gosh, I actually already beat it! I was thinking $24000 but I did $20240 already! I’m still going to keep saving and go for over $24000 but I’m actually done!!! 
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I am having a good sales year and will get a nice commission check at the end of the year which is good to know and plan for. Thru October I have $40,204 income and $16,650 savings for a 41.4% savings rate.
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