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Showing content with the highest reputation since 04/11/2020 in all areas

  1. I did it! Just transferred the money and I now officially have 3 months expenses in my emergency account. I chose 3 months because that’s the waiting period for LTD if I became unable to work. I have very stable employment (federal government employee in Canada) so its extremely unlikely that I would lose my job without a ton of notice, and I would have priority in hiring for other federal jobs in that case. I have healthcare, and I don’t have a house, car or kids, so that eliminates a lot of possibly pricey emergencies. That said the overachiever in me wants 6 months just to check t
    8 points
  2. I haven’t been as intense as I should be on BS3... I have been here for over a year and still don’t have a full FFEF. Lots of reasons, but I AM saving, and I am never going back into debt! My FFEF goal is 17,500, which would be 6 months of bare bones expenses. I want to reach 3 months, or 8,750 by the end of this year. However, I hit a milestone this week: I have just over $5000 in my EF savings account! Whoo-hoo! And looking at my budget I have a total of over $10,000 in my “short term” savings category (which is my EF plus my sinking funds - travel, gifts/Christmas, and big purchas
    7 points
  3. September was a good month, even though I spent a bit on new furniture and still haven’t gotten my desk, or the reimbursement for it. I need to get the desk and send my boss a picture before I can be reimbursed, and it was ordered (and paid for) in August but it’s shipping internationally and still hasn’t arrived! But wow, it feels good to just be able to buy the thing with savings and not even have to worry about floating it on a card while I wait for reimbursement! In happier news, it was 3 pay month in Sept, and I’ve got over $7k in my EF now! I was actually just shy of that miles
    5 points
  4. I'm working on the budget for next month and things are going to be tight but doable. I may have a yard sale at the beginning of the month. I need to do a big decluttering to see what we actually have, but I think I have enough stuff to put together a small one. I got the first bill from my ER visit before I had to see the breast health doctors and made payment arrangements with them. $765! Then the other day I got the bill for the doctors, all the tests, etc. etc and it was over $1,000! I need to call and talk to them to see if we can work out something. If nothing else, I can't let thos
    5 points
  5. We did it! We've hit $100k in retirement. I want to keep track of these numbers: $47,792 in my 403b $19,324 in my Roth $25,838 in dh's Roth $7,073 in dh's old IRA Mortgage balance is $53k
    4 points
  6. Bless your heart. I hope things look up soon! And yes, we're definitely taking things one day at a time. Chris and I had a long budget talk last night and so far he's on board with the Dave Ramsey plan. He was a bit iffy at first until I explained the BEF and the time I had to borrow money from my aunt to replace a bad tire (that ended up popping on my way to get a new one ) and how long it took us to pay her off. He was on board then. We had a long talk about a lot of things and it was just a good, really productive talk. I didn't think about the free sites. I'll be checking them out
    4 points
  7. Just keeping track of balances so I can look back: $35,012 in dh's Roth $ 8,856 dh's old IRA $28,837 my Roth $65,034 my 403 b Total: $137,739 Mortgage $44k Looking forward to the end of 2021, would love to hit $155k in retirement and end the year with $22k owed on the mortgage. Once the 2021 Roths are filled, I would love to go hog wild on the mortgage and knock it out, then go back and fill the 2022 Roths since we have until April 15th, 2023. Biggest projects that are next on the list are adding an egress window/window well to the g
    3 points
  8. I am so sorry you won’t get to see your brother this Christmas, Delilah. This situation is really tough. the Airbnb was a budget killer- plus plane tickets... it has occurred to me that my BF and I could spend a week at a nice all inclusive instead, but damn I miss my family. Also, given the current situation, we can’t. I am glad to have $ in my travel sinking fund but it is sad to see the balance of that account go from “ready to book my big trip to Peru” to “I guess Peru is next year.” But again, given everything I can’t book that trip now anyway. So the trip to see my family is bo
    3 points
  9. Thank you all for the encouragement! September is a three pay month, and I just did the budget for tomorrow’s cheque- I will have two months in my EF once I make tomorrow’s savings transfers! And even though I bought a desk (being reimbursed by work, but no idea how long that will take, so it’s budgeted!) I will still have over 10K Total in my savings accounts!
    3 points
  10. I think you are doing great. DH and I do what you’re doing—have different savings “buckets” for different purposes. It keeps us focused on what goals we still need to work on.
    3 points
  11. There's a lot of reasons. A long string of bad luck, shame... My life has been an absolute whirlwind roller coaster since I posted back in 2016. The man I was with then, known as DH even though we weren't married and were together 5 years, became verbally and mentally abusive so I kicked his sorry butt to the curb. That left us with only mom's income for a long time. My disability was denied multiple times, so I worked with my doctors and ended up on stronger pain medications, but it enabled me to work. I went through a couple of jobs. Since we were on food stamps and I had no income
    3 points
  12. Our current totals, since it is so incredibly rewarding to look back and see our progress. 403b: $41,500 Old IRA: $7,100 Dh Roth: $21,600 My Roth: $17,800 Total $88k Mortgage balance $57,000 Retirement went up $34k and the mortage decreased by $32k. Amazing the difference a year can make! Thank you, Dave.
    3 points
  13. I know in our area alot of people are giving away extra milks from the lunches. Check your Facebook free groups for things that might help you guys pull it off this month. Try to remain positive and remember every step forward albeit small is better than taking a step back.
    3 points
  14. Nice job! Dang, the 14 day Airbnb sounds like a budget-killer. Good for you preparing so early and paying CASH!! Way to go on the EF!
    2 points
  15. Don't think about how long the to do list is. Like DR break it up into baby steps. Maybe do something easy to get moving this morning and take breaks to drink water, chat in the phone with a friend, and play with the kids occasionally. start small. Also taking a walk is helping with my anxiety but I have to go to the grocery store today and am dreading it again.
    2 points
  16. I haven't been taking being at home well. The first couple of weeks were ok, but I ended up needing to add a new anxiety medication to my daily routine. The kids are loving being home. I've got a to-do list a mile long of things to do around here. Now, I just have to get up and do it, lol!
    2 points
  17. I haven't had any alone time since this all started, LOL! 9 people in the house ALL THE TIME has been an adjustment for me. DH works from home, I have 4 kids doing distance learning, and I still have my clients to attend to. But, it has been great to not have a strict schedule to abide by. Reach out to friends and family on the phone or Facetime. That's what we have been doing. I can't wait to take my kids to the park and zoo again :)!
    2 points
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