Savings goals Emergency fund - $6300 July: $967 August:$967 Looks like I forgot to set up automatic transfers for this, so that's now become my 1 thing. Travel fund - infinite July: $593 August: $743 This is on track! And we've started figuring out what travel we might be going on - something smallish at the end of the year and then Japan next fall. We'll have to up the monthly savings for Japan for sure. Debt Student loans June: $20158 July: $19857 August: $19857, but the $250 auto pay is set to go through today. No stunning progress, but slow and steady and all that. Next month I'll be cashing in some savings bonds, so there will be a little extra to go around.
I didn't estimate, but I won't let that stop me from checking in. Two months ago I won tickets for Ikea's crayfish dinner celebration, so my husband and both sets of our parents got to go to that (free). It was a ton of fun, they had a VIP table set up for us and we got to wear party hats with crayfish on them. But then we walked through Ikea and ended up getting some table legs and boxes, $39. Saturday started with a Home Depot run for paint and painters tape ($45) for the house. We taped the kitchen, went to chickfila for lunch ($15), and painted the kitchen. We had brinner back at the apartment and didn't do much the rest of the night because housework is tiring. Sunday I helped with a bridal shower for my sister in law, but I bought most of the stuff associated with that over the last few weeks. From there, it was back to the house for more painting, and then late-ish pizza and beer ($26). Total: $125 Not too bad, but it will be nice to be done with the house so that we can stop buying so much paint and start cooking there instead of going out all the time.
The only catalog that I like getting is the yearly Ikea catalog - we just got the 2015 one recently and I definitely spent at least an hour going through the whole thing.
@ronswansonluva We just bought a brand new fridge from a Sears Outlet scratch and dent place - it ended up being 60% off retail, and the only thing "wrong" with it is two small dents on the side. It also comes with a real warranty, which might be worth it vs. craigslist.
I feel like all I ever post here about is new house related, but I guess that makes sense seeing as the house is all I think about and also costs a lot of money. Today - friends are in town and will be stopping by to see the house and go out to eat. We're trying to get a feel for the restaurants nearby, so that'll mean fancy tacos or pizza - $40 if we split it by couple, $80 if my husband wants to buy for everyone. Saturday - shopping with my mom because my parents generously offered to buy us a fridge ($0). Trip to Home Depot for relatively little things - $50. We'll have to eat lunch at some point, although my mom might pick that up as well, but $15 to be safe. Cleaning/mowing the front yard/painting samples on walls - free! Husband's parents are coming over to see the house again, so maybe dinner out with them (they'll pay). Sunday - Doing whatever we didn't get around to on Saturday. I'll try to push for lunch and dinner back at the apartment - I can see us easily falling into the mindset that we need to eat out all the time because we're at the house, but we have a perfectly stocked kitchen at the apartment, and the two places are only 20 minutes apart. Optimistically estimating $15, just because we'll probably go to home depot again. Oh, and probably some sort of grocery run, so +$40 for that. Total: $160-$200
We just bought a house, so now it's time to move our saving plan from "everything goes towards the house" to actually having distinct savings goals. In terms of debt, the plan is to be much more aggressive with the student loans starting next month. So: Savings goals $6300 - Emergency fund (6 months of mortgage) July total: $967 $infinity - Travel fund We haven't taken a vacation that isn't based around someone's wedding since our honeymoon (and I guess technically that vacation was based around our own wedding) so this is to take some sort of fun trip. Goal is $150/month + extra when possible July: $593 Debt payments Student loans June: $20158 July: $19857
Friday - dinner groceries ($13) Saturday - decluttering ($0), lunch out to escape clutter ($7), late night froyo even though it was way to cold for anything frozen ($8) Sunday - more groceries, but not everything we needed ($14) Estimate: $45, total: $42. I'll take it!
I totally get sticking with a big carrier, but I want to put my experience with prepaid phones out there just in case someone finds it useful. I pay $40/month through net10 for 2.5 gigs of data on at&t's network, and I've got a perfectly serviceable galaxy s3. There were two hoops to jump through: I had to buy my phone outright (thank you ebay) and I had to spend about 20 minutes on the phone to get picture messaging to work. The cost savings is great though, and after 6 months my husband and I recouped the cost of having to buy unlocked phones. YMMV, but it was easier than I expected to switch.
No big plans for this weekend, so hopefully I'll be able to keep it low spend Friday - Dinner groceries/discount wine ($10) Saturday - Decluttering ($0), lunch out because decluttering ($7?) Sunday - Driving to see parents ($8 gas, free lunch), grocery store again ($20) Total - $45 This is my first estimate and it's made me realize how much I don't plan out my weekends, so we'll see how it goes!
@readyornot in my case, I didn't really give it a whole lot of thought when I started saving - I started making money and my dad went with me to fidelity so that it wasn't just sitting in my checking account. My investing/savings went like this: 2009-2011 - bought the target date mutual fund that the fidelity guy recommended 2012-mid 2013 - Bought index funds after doing some research on mutual fund fees Late 2013-now - transfered cash into the account to have all the house savings in one place but didn't invest. We knew we were going to be buying this year, and didn't want to get hit with short term taxes or unexpected market changes. For me, it wasn't worth selling all of our investments until we needed them, because the market seemed fine, but it seemed a little pointless to take the risk of buying new stuff once we had our timeline for buying a house figured out.