save more money

whoops :(

I transferred a bit over now and I’m at 74%. I’m getting paid back for some baseball tickets soon and that will hopefully bump me up a little more.

I also am going to set aside my travel reimbursement checks from work in a different account…no idea what those will be for yet, but for whatever reason, it feels important to me to keep it separate.

I just sent out a huge tuition check this morning AND I found out I have to increase what I’m saving to cover my classes in the spring.

Just watch, the question I asked about fees will turn around and bit me in the ass. They’ll tell me that I actually was UNDERCHARGED for fees rather than overcharged and slap me with another couple hundred dollars.

I know this will be worth it in the end…I’m just annoyed that I have two years left before I can close that tuition savings account for good.

I’m at 70% of my goal.

I received some unexpected birthday money. I put some into my tuition fund for school and some into this goal fund. I’m not at 63.4%

I wonder where my money has been going instead…

In any case, I transferred some over tonight, so I am at 60%!!! I recently got a raise, so I would like to make it to 100% of this savings goal before the snow falls this year. Which, depending on the crazy weather here, could be earlier than I’d like to think about.

I should give myself some credit for awesomely paying for two classes this summer in cash with just a bit of valentines money help from the husband…..if I wasn’t going to graduate school I’d have an amazing amount saved up…

I will be 51% toward my goal. Because that extra 1% felt better than just transferring enough for 50%.

I decided to take two classes this summer, for a few reasons. First, if I take two classes even one semester a year, I will cut a year off my graduate program. This was never advantageous at my last school because once I hit six credits, I had to pay a full student services fee.

I picked out two electives, saving my required classes for the fall and spring, so that if I’m taking classes during the summer, they are at least fun classes.

When I switched schools, I got cheaper tuition, but I also the due date is right at the beginning of the semester. Before, I was scheduling savings to pay at the end. So I had a big chunk to make up when I first switched…I have some extra saved, but taking two classes this summer will drain that account completely, as well as make it tough to have enough for fall.

That aside, I do have a chunk of money associated with this goal, kept separate from my tuition money. I do want to get it to a certain point and mark this done, but I may need to dip into it later this summer. I’ve upped my savings for tuition to make up some of the difference, but still…

I am putting some money towards it this week. So I’m at 45% or so, just being conservative….I think I can easily get to 50 or 60% pretty soon.

But this summer it might go down again :(

I just transferred another chunk from my “easy access” savings to my higher interest “socked away” savings. I could have got up to 50%, but I thought I should leave more of a buffer for now and get up to 50% in the next few months.

It seems diva-ish to book a flight for one night over christmas…we could certainly drive for cheaper. But I want to keep in mind that is also my holiday…I’d rather not spend 16 hours of it in the car. I have the money, and “save save save” should not stop me from spending it on things worth spending it on.

After the IRS took a HUGE chunk out of my bonus (which is fine, the IRS didn’t know that my income didn’t jump that much, it was just a one time thing), I’d changed my exemptions to offset it until the end of the year. I also will have a raise on my next check, and I’m transferring the difference between my old paycheck and the new paycheck direct to savings each week. And I had some money leftover from my last paycheck that I transferred today. AND I rounded up to an even number.

AND I am getting $45 in the next week or two from books I sold online (which is kind of a wash…I put it in savings but I also buy my new school books from savings, but at least I got money for them instead of having them sit on my shelf).

I’m amazed at how well I’m doing…for the first time in awhile, I am gaining a significant piece of savings.

I am torn, though…I know I want to start a separate retirement account, but I feel a little anxious about tying it all up in there so soon. Especially as this chunk I’m saving might go towards a down payment should we decide to buy a house this spring.