RubyToo

I’ve not done this in years. So let’s try again. Right now I will make it my goal to walk for the sake of walking a minimum of once a week. 1 month ago

It’s worse. I borrowed against the truck to buy a trailer. I purchased a new car. :( So truck is at $4700 and car is $19K. Share loans aren’t bad, I’m at $1682, and $300 of that will be gone by end of month. Still, the vehicle debt is hard. They are both paid ahead currently and will remain so until after baby comes. At least I’m thinking somewhat smartly there. 1 month ago

I tried Norm’s veal marsala the other night. It was ok. Texture almost of chicken. Can’t say I hated it or loved it. 1 month ago

We made an offer on 15 acres, but still haven’t heard from the owners. It’s been 5 days. :( 1 month ago

That’s new. Baby had mid term ultrasound today. Everything looks great! Got a few pictures. :) 2 months ago

CDs are up by another $100. I’m sending a “bonus” to my savings account as soon as the money from the saddle sale hits my account. I haven’t decided how much, but I’m leaning toward $300? If that’s the case, I should be $8700 solid towards my $10K goal. 2 months ago

I’ve renewed the March CD by adding $100 to it, bringing it to over $1300. As a savings plan, the revolving cds are working great. They are earning next to nothing. Litterally less than $1 a year. But they are saving. 2 months ago

Now, what to do with the funds…..

I believe I will pay down on a share loan that is set to expire in April. I will send a bit to my savings. And then have to think on it. So that will easily make my savings over $2K by the time the baby comes. I will hopefully have no share/certificate loan debt. I’ve just added $100 to another of my CDs. So I’m cruisin’ right now. That said, we are looking at purchasing/selling properties. That could be a mess. 2 months ago

My total monthly board income is $900, but let’s call that $400/mo profit. Lessons are hit and miss, so maybe $150-200 total a month. 2 months ago

I was in Colorado last week and got to have dinner with Dad and Jeanie. 2 months ago

Not much to add, but my IRA is currently up to $1550. I DO have a baby on the way, not due until the end of July. That means with my regular contributions I’ll have $1710 before going out of work. I should easily have the $1800 goal. Let’s bump to $1900 to make it a challenge.

My 401K is over $20K! Yaya! I don’t watch it regularly, just the quarterly statements that are mailed to me. The Jan raises were pitiful, really bad, so I didn’t change my contribution. 2 months ago

This is what I’m up to currently. CDs are at $6720, which is great, because that’s secure funds. The savings are wishy washy as to how much is going to be spent on baby. I’m REALLY striving for the $7K or more in CDs to help cement this goal. If I want to get technical, I’ve got my $10K now, with my tax return in my account, but I know I’m spending much of that. :( I’ll update when that is all settled. 2 months ago

I love the concept. 2 months ago

It’s that time of year, when things come together better. Share loans are under $2300. Paid my auto loans ahead and want to pay them further ahead yet with my tax return, so that come July/Aug I won’t have to make a pymnt. I’m going to leave my savings acct money alone until then. It’s currently almost $1500, if my contribution stays the same, I’ll be over $2K.

With my tax return I have to pay property taxes as well as paying the loans ahead/down. I’ll put a good chunk at the CD loans so that if need be I can borrow on them again. 2 months ago

My Feb cd renewed, I added $200 to it, so it’s up to just over $1200. So that has me with $6720 in CDs. Awesome. I have ones renewing in Mar and Apr. I should be able to add to those 2. Then I have some renewing in July & Aug, likely won’t be able to add to those since not working. November at the least I’ll be able to add from my holiday account, which is currently only up to $60, but by Nov should be a minimum of $140. Even though I just got my tax return, there are more pressing matters besides the CDs to consider, in order to get ready for baby. 2 months ago

I’ve got $6500 in CDs. $1300 in savings. I’ve made a few purchases over the last 6 months that ate up some funds. My CDs should be up to $7K by the end of the year, but I really want that $10K by end of year. Will think on this. 3 months ago

Ultimately my goal was a CD each month. With baby on the way, that’s going to hold at the 6 currently. I plan to add to each CD as it matures, but I can’t throw $1,000 into a new CD when I’m going to need cash to take time off for baby.

I had set my goal at adding $50 to each, but I’m upping that to $100 at least. 3 months ago

Which means life will take a drastic change. I am working on those loans. I got a new (to me) car which means I just tacked on a new $20K loan. My share loans are under $2700, and I’m up to roughly $1300 in my savings. Instead of trying for another $1K CD, I think I’ll use a portion of that to pay down the closest to maturing cd loan and to add to that CD when it rolls over.

Baby will be here in July. At that time I’d like to have all of the share loans paid off and have $1500 in the savings account for redilly available cash.

I’ve still got the holiday savings, and my pay adds $5/biweekly to it. I’m trying to add a bit here and there, but it isn’t much. I throw extra at the debt. 3 months ago

I opened one early November.

Next goal….. Another $1,000 CD in June.

Also, to add at least $50 to each CD as it matures. 5 months ago

Well I’ve already made my $1400 IRA goal for 2013. It seems piddly in the big scheme of things, but it makes me happy. I’m not going to raise my goal as the holidays are expensive and I won’t be contributing more than my minimum that goes in currently.

So my 2012 goal was $600 more into my IRA and I made that happen. I’m going to be realistic and say that if I stay in work the full year I’d like to have $2200 in my IRA at the end of 2013. If I go out of work for any reason (hint baby hint) then I’ll drop that to $1800.

My contributions continue to my 401K and it’s doing decently well actually. 5 months ago

I did open another $1000 CD first of November. That takes me to 6 cds and just over $6500 locked up.

My lessons have helped to pay down some of my share loans, but I have a bit over $3K loaned against those CDs.

I withdrew from my “out of the way” savings for a horse trailer so that is only about $800 right now. :(

Family planning is happening so I need to really pay down what bit of debt I have. 5 months ago

I opened another in August. Now will wait for the November holiday CD. 8 months ago

I currently have 5 CDs. 2 of them at $1200, 1 at $1100 and, 2 at $1000. I also have my holiday account, ready to set up another for Nov. That’s over $1000 now. So I’m $6500 in savings at this bank with over $3K at the other. Don’t really know how much in the other atm. 8 months ago

I’m almost at the $10K mark, maybe I’ll hit my 12K early in 2013? Cross fingers. 9 months ago

I get my hair done about every 6 weeks at $120 each time. That’s color/cut. That’s $1040/year. x 25 years $26010! Just to keep me fashionable! So let’s say I get more realistic and I cut it back to someone who would charge $80 for color/cut. I’d be looking at $17,340 needed for hair to retire.

So with horses, hair and iced tea I need to save $293,190 before retiring. This just for my “extras.” According to my 401K calculator, if I continue my existing contributions until I’m 67, I’ll have $450K. Not nearly enough. Keep contributing woman! 9 months ago

My IRA is at $1211, so that $1300 should easily be in place by 2013. In fact, let’s change it to $1400. In the grand scheme of retirement, that sounds so little. That’s like 1 month’s expenses. :( But they say the first $100K is the hardest. So I’ll keep plugging away.

My 401K is over $17K. I’d like to change my contribution, bump it up, but I just don’t think I’m ready for it. By my Jan raise for sure. 9 months ago

I added $100 to my CD and it’s now $1106 for the next year. I should make $8 interest in the next year on it and when it matures, try to add again. Unless I have a baby, in that case I may be using the CD if not working.

My holiday acct is right at $1000, so will def have enough in there Nov 1st to open another CD. IRA is $1211. My 401K is at $17K, but I lost a bit of money this quarter. :(

Now, I had a CD mature in July and I’ll have one in Nov, but nothing in between. I have more than enough in my OOTW account that I think I’ll open one in Sept. Keep that revolving thing going. 9 months ago

lately has been good times. Why? Maybe I’m not spending as much? I do have a bit more income than normal, with a few extra lessons. Anyway, I’ve been contributing to both my holiday and my IRA. Holiday is at $980, IRA $1175. Yay. :) I also bumped my contribution to my out of way account from $60 to $80 bi weekly. I’d like to go back to $100, but wanted to be realistic about it.

I’ve got a contribution going to 1 of my cd loans, and have thrown just a bit extra at another so I can start to whittle away at those.

I have a CD maturing this month and would like to add some $$ to it before rolling into a new one. 10 months ago

I’ve picked up a couple of more paying clients. It’s looking like 1 lesson a week for each, so roughly an additional $200/mo from lessons. That is free and clear profit. With my other lessons, which are random, let’s say I get $250/mo from lessons. About $300/mo profit from board income. 10 months ago