jen7233
DIS Veteran
- Joined
- May 1, 2005
Seriously adorable!Just thought I would put this here. DD loved meeting with characters!
Seriously adorable!Just thought I would put this here. DD loved meeting with characters!
2019 starting balances:
Car Loans - $7616 + $33933 = $41,549
House Fund = $17,650
Emergency Fund = $2,279
Auto Fund = $141
Progress as of 1/30/19:
Car Loans - $5216 + $33485 = $37,746 - $3,803 change from the beginning of the year
House Fund = $17,650 - $0 change from the beginning of the year
Emergency Fund = $2,323 - $44 change from the beginning of the year
Weight goal - 0%, 20 weeks to go
Progress as of 3/4/19:
Car Loans - $0 + $33024 = $33,024 - $8,525 change from the beginning of the year
House Fund = $18,290 - $640 change from the beginning of the year
Emergency Fund = $2,704 - $425 change from the beginning of the year
Weight goal - ?%, 16 weeks to go (need to weigh myself...)
Progress as of 4/7/19:
Car Loans - $0 + $29152 = $29,152 - $12,397 change from the beginning of the year
House Fund = $18,694 - $1,044 change from the beginning of the year
Emergency Fund = $2,906 - $627 change from the beginning of the year
Progress as of 5/2/19:
Car Loans = $25,810 - $15,739 change from the beginning of the year
House Fund = $19,339 - $1,689 change from the beginning of the year
Emergency Fund = $3,295 - $1016 change from the beginning of the year
Progress as of 7/3/19:
Car Loans = $16,391 - $25,158 change from the beginning of the year
House Fund = $25,229 - $7,579 change from the beginning of the year
Emergency Fund = $5,082 - $2,803 change from the beginning of the year
Progress as of 9/17/19:
Car Loans = $0 - $41,549 change from the beginning of the year
House Fund = $30,772 - $13,122 change from the beginning of the year
Emergency Fund = $6,057 - $3,778 change from the beginning of the year
Auto Fund = $792 - $651 change from the beginning of the year
So I got the notification from YNAB this morning that YNAB4 will no longer be supported on Macs starting 10/31. I'm already having issues with YNAB syncing on my iphone, not sure if that's related at all, but it hasn't synced since 10/20. So I guess I'm trying to figure out if going forward do I switch to web-based YNAB and pay for it, which really irks me, or go to Mint. Mint isn't zero-dollar budget based right? It's just kind of an input your money type deal?
Just thought I would put this here. DD loved meeting with characters!
So we are 38 days from our trip - and all of a sudden I'm feeling the pressure. It didn't happen until today! Geez, I do this every year, dangit. Between halloween, thanksgiving, xmas (the most work), all the details for the Orlando trip (also the most work, lol), getting tickets for comic con, getting new glasses, having DS get his minor surgery next week, tracking my debt dumping goals, and daily living activities I all of a sudden feel overwhelmed. Not sure why, I've been working on them all along - and I'm not behind. It'll probably come and go now that it's getting closer - please tell me I'm not the only one who randomly stresses out before a trip!
I do OK before, but I will get overwhelmed if didn't schedule a good packing day before, and also plan my pack out process a week before.So we are 38 days from our trip - and all of a sudden I'm feeling the pressure. It didn't happen until today! Geez, I do this every year, dangit. Between halloween, thanksgiving, xmas (the most work), all the details for the Orlando trip (also the most work, lol), getting tickets for comic con, getting new glasses, having DS get his minor surgery next week, tracking my debt dumping goals, and daily living activities I all of a sudden feel overwhelmed. Not sure why, I've been working on them all along - and I'm not behind. It'll probably come and go now that it's getting closer - please tell me I'm not the only one who randomly stresses out before a trip!
Glad you did! I don't know if we have many hard DR followers in here, but some of us do use some DR. It's a good plan to start when one needs a plan. Exciting to plan a wedding, and probably it's also hard!Wow - I'm so glad I just found this thread!
I've been following Dave Ramsey off/on for the last few years. At my peak I was able to pay off about $4500 in about 3 months - that was all of my credit card debit. Now I am newly engaged, planning a wedding, and trying to pay off all of my cc debt again. Right now between me and my fiance we're at about $7k in credit card debt. Time to get gazelle intense - while trying to also budget in two vacations we already booked non-refundable flights for. Here we go!!
@ruadisneyfan2 Gotcha! Our car will be paid off in March and then its' 3 years left on the mortgage! @SouthFayetteFan has been phenomenal explaining the churning ropes to me and I have a plotted plan. If I can doubly catch bank bonuses, then hurray! I love my Excel spreadsheets!
Boston Market does TG turkey meals?We got back from our WDW trip on Saturday and we had such a great trip! It was wonderful to have my parents, brother, SIL and SIL's mom with us on the trip. We didn't spend 100% of the time together but did do many rides and meals as a larger group. We spent much more time with just my parents. My parents really loved spending time with DD and she loved all of the attention from everyone.
Budgetwise, I think we did pretty well. I had all of the food costs covered through purchasing the dining plan and covering tips and a few extras with a gift card that we had. DH and I both spent our entire November allowance and part of our December allowances though. But spending $213 each on making lightsabers was 100% worth it. The experience was really cool and the lightsabers themselves are awesome. DH bought a red kyber crystal because he really wanted to see if he could get the rare black crystal. Well, he got it first try, so that was exciting too. I also purchased several pins, a F&W bag, a F&W shirt and a Chef Figment Funko Pop.
We are fully on track with our budget for October and things look good heading into November as well. We had left over money in the grocery budget this month due to our WDW trip, so I used it to prepay our Thanksgiving meal. We usually travel to visit my parents, but due to the plan for an IVF transfer in early December, we can't travel this year. I decided to give Boston Market a try to keep things simple and reduce all the work we would need to do.
I have the food money set aside for our WDW week in December and am now turning to saving for our final cruise payment that is due in January, then I need to save for our cruise excursions by April.
Wow - I'm so glad I just found this thread!
I've been following Dave Ramsey off/on for the last few years. At my peak I was able to pay off about $4500 in about 3 months - that was all of my credit card debit. Now I am newly engaged, planning a wedding, and trying to pay off all of my cc debt again. Right now between me and my fiance we're at about $7k in credit card debt. Time to get gazelle intense - while trying to also budget in two vacations we already booked non-refundable flights for. Here we go!!
Which bank WF sees as a DD is where I'm confused a bit, or maybe I should say why I hesitate. I suppose the worse that could happen is just not getting the bonus, and then a little inconvenience, just as long as I don't incur any banking fees. I would use Ally to push to WF, but I can't get a solid on whether or not WF sees Ally as a DD. It seems like a few people say on the DPs say their Ally push didn't work. So, I hesitate to try it at the moment, I hope to see some more solid that Ally is good.It doesn't always have to be cash savings that you use. You can always push bill money to WF, then pay the bill from there. That's what I'm doing with our car ins bill (4 cars so it's a chunk), property taxes and some monthly bills, mostly our cc that we put everything on. You just have to read on DoC which banks WF "sees" as a direct deposit. For us it's Santander. So I push whatever bill $ there first. From there it's easy to push to anyone, not necessarily an account in your own name, so I send it to whichever WF I'm working on.
I don't recall the ages of your kids but anyone working FT and with young children this would complicate life for sure. For me back then, I just wanted it done the fastest way possible. Now it's a little side hobby.
People in June, July and 2 in August of this year said it works. That would be good enough for me to try.Which bank WF sees as a DD is where I'm confused a bit, or maybe I should say why I hesitate. I suppose the worse that could happen is just not getting the bonus, and then a little inconvenience, just as long as I don't incur any banking fees. I would use Ally to push to WF, but I can't get a solid on whether or not WF sees Ally as a DD. It seems like a few people say on the DPs say their Ally push didn't work. So, I hesitate to try it at the moment, I hope to see some more solid that Ally is good.
We leave the 3rd for Uni, then switch to DW on the 9th until the 24th - so I need all gifts bought, wrapped, under the tree or delivered before, say, the 1st. Thanksgiving will be an easy turkey roast with basic sides and warm rolls, then xmas decorations. I am also going with my adult kids (2 boys), but DH is staying home to work. So, I will clean a certain amount, but he will make sure things are clean for when we get back. There will be a couple gifts that ship after we leave (video games that won't be out yet), but DH will be here to get and wrap them. DH works day after Thanksgiving, so he'll be helping eat up leftovers. After TG, we'll have salon appts. and get the itinerary printed out (always take a printed version in case of glitches). We Uber now if we need to go anywhere (rare) and have groceries delivered - first to our Uni resort then a second one to our DW resort. I don't want to have to drive in Orlando! I've already been xmas shopping, probably 2/3 done. MB ordered, gathering things I want to pack, but will buy a few more xmas decorations for the rooms when they come out in stores. Still feels like a lot.......what are you doing as far as thanksgiving?
Yeah, have to take either more suitcases or bigger ones! Although, I prefer this to going in summer with the heat and humidity - did that many times while the boys wee growing up. BTW, I am also from basically middle of nowhere Wa. Don't you love the cost of plane tickets to Florida? Only 3 people this year instead of 4, but still spendy - that's why we stay longer in one trip than taking multiple shorter trips.taking colder weather stuff just in case
have groceries delivered - first to our Uni resort
get the itinerary printed out (always take a printed version in case of glitches)
gathering things I want to pack,
Although, I prefer this to going in summer with the heat and humidity -
Don't you love the cost of plane tickets to Florida? Only 3 people this year instead of 4, but still spendy - that's why we stay longer in one trip than taking multiple shorter trips
So WF needs a 3k push monthly for DD, it's not 3k over three months? Yes, that will require me to think a little more on how to work that. Sounds like you at least have to push an amount, but not necessarily keep it in there.....seems like the $10 monthly fee would be avoided also by making the 3k DD each month, that has to be done anyway to try and get the bonus. Hope I'm on the right track here. I may try this out before Dec 31, but I don't think I'll do more than one bank bonus try at a time unless I feel I've got the hang of it. Will run it by DH, not sure he'll want to be a P2 but he won't mind my shift for the bonus, and we have a WF physical bank down the road from us, so I feel OK with this one to start.One of the many ways to stay fee free with WF is a min of $500 in DDs. When you’re pushing $3000/month in there anyway, you know you’re good.