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Background: I just accepted a job offer in a school district in a more desirable part of the state, to start in August, I'll be moving in July. The new area has a slightly higher COL, mostly that I'll have to eat an extra 75 - 100 in rent a month.  Currently working on Masters. Still in my first semester, got awhile yet. 5k Emergency Fund is complete! Car Loan with ~11k remaining. 7.5 months ahead on payments right now. No student loans as of yet. No credit card debt. Take home is ~2.5k/mo Goals: Continue paying an extra $100/mo on my car loan, at least until I move. Save up enough to cover moving costs (I have $1k so far) without dipping into the e-fund. Save up enough for a couch and bed frame, as I don't want to take mine. No credit card debt! No student loans! (Which means I need $3k saved by Oct. '15).
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Dec 14, 2014 19:00
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| # ¿ May 10, 2024 00:22 |
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Goals: Continue paying an extra $100/mo on my car loan, at least until I move. Save up enough to cover moving costs (I have $1k so far) without dipping into the e-fund. Save up enough for a couch and bed frame, as I don't want to take mine. No credit card debt! No student loans! (Which means I need $3k saved by Oct. '15). Progress: Still paying extra on the car, I'm now 10 months ahead on payments.  Moving Fund is at $1,608.16. This is already enough to cover any double rent, deposits, etc. Putting in extra for furniture. No credit card debt. Grad School fund is at $814. I'll need $3k by October, and another $3k in April 2016.
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Feb 28, 2015 20:36
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spinst posted:Goals: Progress: Still paying $100 extra on the car. Moving fund balance: $1,788. Should be enough for rent/deposit, UHaul, gas, etc… I have enough cash back on one credit card to buy a bed frame… I may be gifted $1200 when I move that could be couch money, we'll see. No credit card debt. No student loans. Sort of. Waiting for my last loan to disperse, then I will immediately upload my Teacher Forgiveness paperwork, which will cover everything I have out. Score. I will still need to pay next year ($3k in October '15, and $3k in April '16). I have $1,485 saved so far. Probably won't update again until the end of June, as I will have moved by then and the poo poo will have hit the fan, maybe. Haha. Edit: Had two numbers reversed! spinst fucked around with this message at 21:31 on Mar 28, 2015 |
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Mar 28, 2015 20:43
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spinst posted:Goals: Progress: June was the first month I did not pay an extra $100, I paid an extra $75. June was also moving month - so I guess I met my expectations. Summer paychecks are smaller. Move is complete! I withdrew $40 from my e-fund to pay for my dad's gas... Will be paid back on June 30th. Oh well. No credit card debt. Grad School fund is at $2155 - should meet my goals! $3k in October and $3k again in April '16. Very pleased. Adding new goals: July: $325 on car loan. August - September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year. Get my $6k of student loans forgiven. (I have $6k in student loans from last year I am working on getting forgiven, but I have hit some hiccups. Now I am trying to get some paperwork from my previous employer which sucks now that I'm 3 hours away. But I need to get this taken care of! Navient are such bitches.) Have a positive net worth for each month in 2015. spinst fucked around with this message at 19:49 on Jun 28, 2015 |
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Jun 28, 2015 19:42
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P.D.B. Fishsticks posted:
Congrats! Bet it feels great!!
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Jul 1, 2015 17:45
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Success! 
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Goals in progress: July: $325 on car loan. August - September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year. (Min. payment is $299.)Progress: $325 paid in July, and $325 scheduled to come out for August tomorrow. So, a little better than the goal! $8,300 to go on the car. Ugh! Get my $6k of student loans forgiven. Progress: Application submitted on July 13th. Should hear in the next few weeks. Have a positive net worth for each month in 2015. Progress: Yes, so far! Just realized this will be impossible in October when I pay tuition for grad school out of my savings. Oh well! No credit card debt! Progress: So far, so good. Take on no student loans! Progress: I have $2,850 saved as of today. Will pay out roughly $3k in October and $3k in April. Hard few months of saving coming up, but I should be able to do this. I am expecting a nice tax return next year as well, due to the Lifetime Learning Credit! Completed Goals: Save up enough for a couch and bed frame, as I don't want to take mine.
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Jul 31, 2015 18:04
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Goals in progress: July: $325 on car loan. August and September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year. (Min. payment = $299.) Progress: $325 paid in July, August, and a $325 payment for September scheduled. $50 more (total) than the goal so far. Get my $6k of student loans forgiven. Progress: Application submitted on July 13th. Denied for a stupid reason, again. Resubmitted this morning... There is a chance I will have to pay this back based on some apparently unpublished rule. My budget strategies will completely change if that's the case. Bummed. Have a positive net worth for each month in 2015. Progress: Yep, total of +9k so far this year. Not much, but with everything going on I'll take it. No credit card debt! Progress: So far, so good. Take on no student loans! Progress: $3k for October saved, now working on $3k for April. Completed Goals: Save up enough for a couch and bed frame, as I don't want to take mine.
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Aug 29, 2015 18:24
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Goals in progress: July: $325 on car loan. August - September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year. (Min. payment is $299.)Progress: $325 paid in July, August, and September. $425 for October. Better than the goal so far! Get my $6k of student loans forgiven. Progress: After 6 months of back and forth, this is DONE! Happy dance. No student loan debt. Have a positive net worth for each month in 2015. Progress: Negatory for September. Paid my October 1st tuition, which is more than I make in a month. But I paid in cash so yay! No credit card debt! Progress: So far, so good. Take on no student loans! Progress: Done! Paid my October tuition in cash. Saving up for April tuition now. Completed Goals: Save up enough for a couch and bed frame, as I don't want to take mine. [/quote]
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Oct 1, 2015 14:37
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| # ¿ May 10, 2024 00:22 |
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Goals in progress: July: $325 on car loan. August - September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year. (Min. payment is $299.)Progress: $325 paid in July, August, and September. $425 for October. $530 in November and December. Fell short by $15, total. Shucks. Get my $6k of student loans forgiven. Progress: After 6 months of back and forth, this is DONE! Happy dance. No student loan debt. Have a positive net worth for each month in 2015. Progress: Negatory for September. Paid my October 1st tuition, which is more than I make in a month. But I paid in cash so yay! Every other month saw positive growth. No credit card debt! Progress: Accomplished! Take on no student loans! Progress: Done! Paid my October tuition in cash. Completed Goals: Save up enough for a couch and bed frame, as I don't want to take mine. All and all, not bad. Gang tag please!
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Dec 26, 2015 03:56
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