That’s an amazing year of savings! And we only just finished August!
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Hell yeah!!! Well done!!
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Crossed the finish line this month! I put away $1871 - which is lower than other months now that we’ve changed how much we each work - and that was enough to put us at $20,967 saved YTD. Woo hoo!
On vacation my sister, who is nearly 5 years older than I am, said something about how good it feels to have half a million in the bank and I agreed. She noted with some surprise that she didn’t have half a million five years ago (subtext: She makes more than me and my husband put together and her mortage is half of ours). I didn’t tell her we’re actually over $600K and I also have a pension. I mean, not that it’s a contest but nice to know that all the frugal choices are adding up to something!
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I really need to update my excel sheet. I will just say, to date, this is NOT my most frugal year 
but I’m still confident I can reach the goal, probably in December. I count only money put in my TFSA and FHSA and not the cash savings.
Will try to comeback later today with the totals. I have them, I’m just too lazy to pull out my pay stubs to add on my pension contributions 
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Back with the totals!
FHSA:8000$
TFSA: 4807.64$
Pension: 2683.76$
Total: 15 491.40$.
So 76.46% of the goal…
It would’ve been higher but May was really spendy with no savings. Happy to see I am still on track!
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Narrator: She would not, in fact, return with parameters.
Well, that’s because some BS went down between then and the end of the year which resulted in not closing on my house, paying off my home improvement loan, and filling my 2025 IRA in calendar year 2025. So I rage-quit, because fulfilling the challenge via house sale felt like hella cheating.
But I was looking through my money stuff the other day, and decided on a goal of $26,000 in liquid savings only, since other categories were affected by filling two years’ worth of IRA at once, paying the house-related debts (including the less than two-year-old mortgage), and contributing to a pension I’m not yet vested in.
Extra bonus wrinkle, $26,000 in liquid savings while cash-flowing Third College (a Master of Arts in Teaching program coming after two previously-completed stints in higher education).
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So far, in regular, not house sale-impacted contributions into and out of and into other savings, I’m at $18,000, which is $2000/month and leaves me a 2000 shortfall to make up and anywhere from $3500-4500 in spring semester tuition to pay, both in December.
Can I do it? Time will tell. A lot will depend on my new school year salary and whether I tinker too hard with my 403b contributions.
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Leave some degrees for the rest of us 
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