Author Topic: Saving to $10K  (Read 26455 times)

Gardo

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Saving to $10K
« on: November 17, 2016, 06:57:44 AM »
to be able to join the thread "Race from 10 to 100K".

Who wants to join? :)

Gardo

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Re: Saving to $10K
« Reply #1 on: November 17, 2016, 07:07:03 AM »
Let's start with my own.

Current Balance : $23.0
Nov 2016 Savings : $5.2
Oct 2016 Savings :  $7.8
Starting Balance Oct 1, 2016 : $10.0

I see mine taking about a slow 3 years to get to my target of $10K as I pay mortgage and spends on my 2 kids.  I'd be the happiest person when I reach my goal of $10K of savings. 

Gardo

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Re: Saving to $10K
« Reply #2 on: November 30, 2016, 10:27:16 PM »
Let's start with my own.

Current Balance : $23.0
Nov 2016 Savings : $5.2
Oct 2016 Savings :  $7.8
Starting Balance Oct 1, 2016 : $10.0

I see mine taking about a slow 3 years to get to my target of $10K as I pay mortgage and spends on my 2 kids.  I'd be the happiest person when I reach my goal of $10K of savings.


Current Balance : $26.5
Nov 2016 Savings : $8.7
Oct 2016 Savings :  $7.8
Starting Balance Oct 1, 2016 : $10.0

motiv8ed

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Re: Saving to $10K
« Reply #3 on: December 03, 2016, 07:03:48 AM »
Im in.
[Nov 2016] $214.01

DieHard_772

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Re: Saving to $10K
« Reply #4 on: December 11, 2016, 10:18:53 PM »
You know I'm in.  My IRA is currently on its way to $5000, and current bank savings over $1000. Putting 10% of income currently into IRA! Looking forward to matching that in savings and HSA. Intending to graduate out of this thread ASAP!

Thanks for starting this

illdothisifitkillsme

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Re: Saving to $10K
« Reply #5 on: December 26, 2016, 05:35:25 PM »
I'm in too. current balance is $26.36. next deposit will be the middle of january.

mousebandit

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Re: Saving to $10K
« Reply #6 on: December 26, 2016, 06:42:48 PM »
We are talking cash or retirement savings from $0.00 to $10,000.00 correct?  If so, I'm in!

DieHard_772

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Re: Saving to $10K
« Reply #7 on: December 26, 2016, 09:17:11 PM »
We are talking cash or retirement savings from $0.00 to $10,000.00 correct?  If so, I'm in!

Let's do it!  I'm inching forward all the time

mousebandit

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Re: Saving to $10K
« Reply #8 on: December 28, 2016, 11:21:36 PM »
Dec 31, 2016:  Cash Emergency Fund $1120
                       Acorns Account.          $ 500

Jan Goal:         Cash Emergency Fund $1800
                       Acorns Account.          $ 600

Hubby may get laid off soon.  If he keeps working, this will still be the goal, because we will be paying daycare (since he won't be here to watch the kids while I work) and paying down the last of our debts.


kaleidoscopicalkris

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Re: Saving to $10K
« Reply #9 on: December 29, 2016, 08:52:36 AM »
Commenting to join! I will come back this evening and update my numbers once I get home from work and have access to them.

DieHard_772

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Re: Saving to $10K
« Reply #10 on: December 29, 2016, 06:02:58 PM »
Dec 31, 2016:  Cash Emergency Fund $1120
                       Acorns Account.          $ 500

Jan Goal:         Cash Emergency Fund $1800
                       Acorns Account.          $ 600

Hubby may get laid off soon.  If he keeps working, this will still be the goal, because we will be paying daycare (since he won't be here to watch the kids while I work) and paying down the last of our debts.

That's great, mousebandit.  Sometimes I look at the people here with their $300k or $1 million and think "Holy s**t that's a long ways off..."  It's nice to see someone else here who is getting going just like I am.    I really appreciate this thread.

Great job so far, keep it up!
« Last Edit: December 29, 2016, 06:05:07 PM by DieHard_772 »

DieHard_772

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Re: Saving to $10K
« Reply #11 on: December 29, 2016, 06:43:54 PM »
Our current numbers:

TOTAL SAVINGS: $7062

Betterment (99% IRAs, <$100 taxable + $ about to be deposited):  $4928
Our Savings account:  $1107
Other savings:  $308
HSA:  $250
My wife's IRA:  $423
My wife's Savings:  not exactly sure, might add this on future



motiv8ed

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Re: Saving to $10K
« Reply #12 on: December 30, 2016, 04:27:08 AM »
Nov 2016 $214.01
Dec 2016: $864.14

SwordGuy

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Re: Saving to $10K
« Reply #13 on: January 03, 2017, 05:24:47 PM »
Y'all are in the most important of the "Race To ..." threads!

Once you reorganize your life and finances to save $10,000, you've set the foundation to exceed that amount by more than your wildest dreams!

DieHard_772

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Re: Saving to $10K
« Reply #14 on: January 05, 2017, 01:01:04 AM »
Y'all are in the most important of the "Race To ..." threads!

Once you reorganize your life and finances to save $10,000, you've set the foundation to exceed that amount by more than your wildest dreams!

Thanks that's awesome!

MSquared

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Re: Saving to $10K
« Reply #15 on: January 05, 2017, 11:57:38 AM »
Hey, it's actually a place for me!  :)

I finally hit a positive net worth in December - woo hoo!  I am 100% debt free now.  Student loans paid in full, car paid in full (2012 Honda Civic), and my credit card company pays *me* in rewards.  (Suck it, Capital One.  You're never getting a dime in interest from me.)  Currently renting, no plans to buy in super near future. 

Right now I have a bare bones $1500 emergency fund I want to increase, will start contributing to my 401k next paycheck, and hope to hit over $10K saved by the end of the year.  So let's do this!

So as of right now:
Emergency fund: $1500
401k: $0
« Last Edit: January 05, 2017, 12:02:00 PM by MSquared »

DieHard_772

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Re: Saving to $10K
« Reply #16 on: January 05, 2017, 12:28:59 PM »
Hey, it's actually a place for me!  :)

I finally hit a positive net worth in December - woo hoo!  I am 100% debt free now.  Student loans paid in full, car paid in full (2012 Honda Civic), and my credit card company pays *me* in rewards.  (Suck it, Capital One.  You're never getting a dime in interest from me.)  Currently renting, no plans to buy in super near future. 

Right now I have a bare bones $1500 emergency fund I want to increase, will start contributing to my 401k next paycheck, and hope to hit over $10K saved by the end of the year.  So let's do this!

So as of right now:
Emergency fund: $1500
401k: $0

MSquared, I love your fire and energy, that's awesome.
I recently had to use my credit card again to pay for some business expenses.  It's a massive motivation to increase my income and get the hell out of
debt... and keep growing the fund.

Congrats on getting out of debt

MSquared

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Re: Saving to $10K
« Reply #17 on: January 05, 2017, 01:44:51 PM »
Thanks, DieHard!  Do you own your own business?

My employer matches up to 8% for my 401k, so that's what I'm putting in right now.  I'm 33 years old and this is my first time contributing to my 401k.  I feel so behind, but I know there's nothing I can do but change it going forward.  I missed out on so much free money!  Sigh.   

Rimu05

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Re: Saving to $10K
« Reply #18 on: January 05, 2017, 01:56:13 PM »
I am hardcore in. This will be my emergency fund

Currently January 2016:

Saved $1,800/$10,000

A slow yet steady journey.

DieHard_772

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Re: Saving to $10K
« Reply #19 on: January 06, 2017, 12:54:52 PM »
Thanks, DieHard!  Do you own your own business?

My employer matches up to 8% for my 401k, so that's what I'm putting in right now.  I'm 33 years old and this is my first time contributing to my 401k.  I feel so behind, but I know there's nothing I can do but change it going forward.  I missed out on so much free money!  Sigh.   

yes, I do own my own business.  So no 401k for me.. glad you're taking advantage of it!
As for when you start investing, I know the feeling.  But better late than never!

Irish in Valencia

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Re: Saving to $10K
« Reply #20 on: January 06, 2017, 04:34:47 PM »
I'm in. My net worth as of now is -1915 euro.  Aim to be at 10k by October 2016

DieHard_772

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Re: Saving to $10K
« Reply #21 on: January 07, 2017, 09:20:46 PM »
I'm in. My net worth as of now is -1915 euro.  Aim to be at 10k by October 2016

Awesome!

DieHard_772

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Re: Saving to $10K
« Reply #22 on: January 07, 2017, 09:26:29 PM »
My savings aims for this year:

Max out my IRA... bring it past $10k.
Max out saving for our HSA.
Encourage my wife to increase her IRA savings, which right now is $100/mo.

Also:
Sock away money for a variety of bills via Qapital and Digit savings apps... currently business expenses, car maintenance/registration,
and next Xmas expenses (yep, starting early!)



Keef

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Re: Saving to $10K
« Reply #23 on: January 12, 2017, 07:15:15 PM »
Hey, it's actually a place for me!  :)

I finally hit a positive net worth in December - woo hoo!  I am 100% debt free now.  Student loans paid in full, car paid in full (2012 Honda Civic), and my credit card company pays *me* in rewards.  (Suck it, Capital One.  You're never getting a dime in interest from me.)  Currently renting, no plans to buy in super near future. 

Right now I have a bare bones $1500 emergency fund I want to increase, will start contributing to my 401k next paycheck, and hope to hit over $10K saved by the end of the year.  So let's do this!

So as of right now:
Emergency fund: $1500
401k: $0

Congratulations on being able to check-off each of those goals. Credit card debt can feel overwhelming. I now still use majority credit but never pay interest. My car was paid off in 2016, so now, I'm still working on the student loan debt, but have a plan to pay off this year. After that I'm debt free and can't wait! I plan this year to minimize my spending, maximize my income and funnel all that money into my investment accounts :) Keep up the good work, I'm there with you.

PhoenixHeat

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Re: Saving to $10K
« Reply #24 on: January 18, 2017, 07:37:19 PM »
Y'all are in the most important of the "Race To ..." threads!

Once you reorganize your life and finances to save $10,000, you've set the foundation to exceed that amount by more than your wildest dreams!

I want to believe this so much and I think I do believe this.

DieHard_772

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Re: Saving to $10K
« Reply #25 on: January 19, 2017, 02:07:26 PM »

Congratulations on being able to check-off each of those goals. Credit card debt can feel overwhelming. I now still use majority credit but never pay interest. My car was paid off in 2016, so now, I'm still working on the student loan debt, but have a plan to pay off this year. After that I'm debt free and can't wait! I plan this year to minimize my spending, maximize my income and funnel all that money into my investment accounts :) Keep up the good work, I'm there with you.

Yea baby, get it done!

DieHard_772

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Re: Saving to $10K
« Reply #26 on: January 19, 2017, 02:08:59 PM »
Y'all are in the most important of the "Race To ..." threads!

Once you reorganize your life and finances to save $10,000, you've set the foundation to exceed that amount by more than your wildest dreams!

I want to believe this so much and I think I do believe this.

Yeah, I was definitely moved by that post, too. 
I have been working for two years now to get my finances in order so that I am able to save a "substantial" percent... i.e. 20%, for investing and savings.  That's low for Mustachian standards, but it is a lot better than where it used to be at.

I agree, getting the ball rolling can be the most challenging thing.

Yet here we are!  Onward!

Zikzin

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Re: Saving to $10K
« Reply #27 on: January 19, 2017, 02:16:14 PM »
Joining here as well!

Goal: Roth: 5500
Savings: $5000


Dec 2016 - Opened Roth IRA - current balance $1458
                   savings account - $100








DieHard_772

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Re: Saving to $10K
« Reply #28 on: January 19, 2017, 03:06:39 PM »
Joining here as well!

Goal: Roth: 5500
Savings: $5000


Dec 2016 - Opened Roth IRA - current balance $1458
                   savings account - $100

yeah!

blahblahblah

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Re: Saving to $10K
« Reply #29 on: January 19, 2017, 03:31:49 PM »
Dropping by to cheer you on!  Hit this milestone last year and it is incredible what it does for your outlook, motivation and snowball! 

Goldilocks

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Re: Saving to $10K
« Reply #30 on: January 19, 2017, 03:42:20 PM »
Definitely want to join this. I have about 7000 saved now. (Every time I get much further than this, large expenses happen so I've never officially made it to 10k. This is the year to change!)

blahblahblah

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Re: Saving to $10K
« Reply #31 on: January 19, 2017, 03:53:47 PM »
Dropping by to cheer you on!  Hit this milestone last year and it is incredible what it does for your outlook, motivation and snowball!

I take it back!  Choosing not to count the home in net worth since I have no desire to move.  I'm well in the negative, gonna see if there's a race to the starting line thread...

lemonverbena

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Re: Saving to $10K
« Reply #32 on: January 23, 2017, 09:07:39 PM »
Joining! We just opened our first retirement account on Friday. A whole $225 in a 2016 SEP IRA, which actually maxed it out as that is 25% of what my husband made at his self-employment side gig last year. It'll be slow progress though as the first priority is paying off the car loan. Also have a roof in need of replacing and mold to be dealt with this summer.

Jan 2017:
SEP IRA: $225
Car loan: -$7825

Total: -$7600
« Last Edit: February 08, 2017, 02:39:26 PM by lemonverbena »

ketojenn

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Re: Saving to $10K
« Reply #33 on: January 25, 2017, 07:43:20 AM »
Joining!

We had a major, major set back last year.  My husband injured his back at work and was out for 3 1/2 months.  Workers comp denied our claim, currently appealing.  We found out just what we could survive on.  I make maybe 1/4 what he does each month and I was able to keep us going.  Just.  All saving wiped out.  Credit cards almost maxed.  Starting over with a much different perspective. To start with ALL of my income will be going into an IRA or savings.  We will be making double payments on our car to get rid of that debt in a hurry.  My husband will start putting 10% towards his 401K and 10% towards our regular savings.  We hope to buy a house in Vegas in a few years and get out of the frozen north.  We will see how this goes for a couple months, then adjust.

Jan 2017:

IRA: 250.00
Savings: 195.14
Car loan: -9631.85
Credit cards: -9649.00


Zikzin

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Re: Saving to $10K
« Reply #34 on: January 25, 2017, 10:00:59 AM »
Joining here as well!

Goal: Roth: 5500
Savings: $5000


Dec 2016 - Opened Roth IRA - current balance $1458
                   savings account - $100

As of Jan2017

Roth IRA - $1939
Savings - $300

DieHard_772

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Re: Saving to $10K
« Reply #35 on: January 25, 2017, 04:42:21 PM »
Joining here as well!

Goal: Roth: 5500
Savings: $5000


Dec 2016 - Opened Roth IRA - current balance $1458
                   savings account - $100


As of Jan2017

Roth IRA - $1939
Savings - $300

Awesome

DieHard_772

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Re: Saving to $10K
« Reply #36 on: January 25, 2017, 04:47:33 PM »
My IRAs:   $4878
Money for Investing:   $278
Savings account:  1113
Other savings: $327
HSA:   $251
my wife IRA:$534

TOTAL:  $7371

lemonverbena

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Re: Saving to $10K
« Reply #37 on: January 26, 2017, 01:01:35 PM »
I made some progress, so I'll go ahead and update now.

Late Jan 2017:
SEP IRA: $225
tIRA: $1590
Car loan: -$7825

Total: -$6010

And, even though I don't count it in net worth...
House equity: $148,208
« Last Edit: February 08, 2017, 02:40:31 PM by lemonverbena »

MSquared

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Re: Saving to $10K
« Reply #38 on: January 27, 2017, 08:21:16 AM »
Well, HR didn't submit my info in time for my 401k for January's last paycheck, so that's currently sitting at zero.  Bah humbug.  Instead I went ahead paid for our 2017 CSA share, so that's done and out of the way.  I also bought plane tickets this month, so it was a high spend month.  Not a whole lot to send to savings, but it will be better going forward. 

End of January:
Emergency fund: $1730
401k: $0
Total: $1730

MSquared

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Re: Saving to $10K
« Reply #39 on: January 27, 2017, 08:23:16 AM »
Dropping by to cheer you on!  Hit this milestone last year and it is incredible what it does for your outlook, motivation and snowball!

Thank you!  I can't wait to get there.  After paying off debt for so many years, it feels amazing to be able to save.  I can't say I've ever had more than $5K in a bank account before, so this is going to be exciting!  :)

mathstache

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Re: Saving to $10K
« Reply #40 on: February 02, 2017, 05:19:50 PM »
I'm getting close - but I'm about to have a major unexpected car expense (I should just have a job close enough to bike...). Have been wanting this one for a while.

$3000 checking/savings
$4500 roth ira

Total $7500 2/02/17

DieHard_772

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Re: Saving to $10K
« Reply #41 on: February 02, 2017, 10:45:47 PM »
I'm getting close - but I'm about to have a major unexpected car expense (I should just have a job close enough to bike...). Have been wanting this one for a while.

$3000 checking/savings
$4500 roth ira

Total $7500 2/02/17

go to it!

DieHard_772

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Re: Saving to $10K
« Reply #42 on: February 02, 2017, 11:05:42 PM »
Savings goals for this year:

Max out our HSA including the extra $1000 make up amount ... $7750
Max out my IRAs $5500
TOTAL--$13250

liquid savings... as much as possible!

Pay off the credit card! A big fat ZERO!

DieHard_772

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Re: Saving to $10K
« Reply #43 on: February 03, 2017, 03:54:30 PM »
My IRAs:   $4878
Money for Investing:   $278
Savings account:  1113
Other savings: $327
HSA:   $251
my wife IRA:$534

TOTAL:  $7371

Latest:

My IRAs:   $5574   (this is current balance plus recent $300+ contribution made)
Savings account:  1115   (plus $2 thanks to interest, haha!)
Other savings: $361
HSA:   $465.44
my wife IRA:$534

TOTAL:  $8040

Onward and upward!

Rimu05

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Re: Saving to $10K
« Reply #44 on: February 10, 2017, 09:15:19 AM »
I am hardcore in. This will be my emergency fund

Currently January 2017:

Saved $1,800/$10,000

A slow yet steady journey.

February 2017 - $3000/$10,000

I will probably reach $5000 and then stop so I can address my medical bills.

ketojenn

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Re: Saving to $10K
« Reply #45 on: February 11, 2017, 08:53:49 AM »
Doing well so far,

Jan 2017:

IRA: 250.00
Savings: 195.14
Car loan: -9631.85
Credit cards: -9649.00

Feb 11, 2017:

IRA:  500.00
Savings:  278.92
Car Loan: -9631.85(don't have new numbers yet)
Credit cards: -5787.92

I've really been going after the credit card debt.  After that's gone things should move much quicker!

lemonverbena

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Re: Saving to $10K
« Reply #46 on: February 11, 2017, 02:57:48 PM »
Jan 2017:
SEP IRA: $225
Car loan: -$7825

Total: -$7600

Late Jan 2017:
SEP IRA: $225
tIRA: $1590
Car loan: -$7825

Total: -$6010


Mid Feb 2017:
SEP IRA: $226
tIRA: $1604
Car loan: -$5593

Total: -$3763

Mezzie

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Re: Saving to $10K
« Reply #47 on: February 11, 2017, 03:31:55 PM »
You guys are all doing great!
http://forum.mrmoneymustache.com/journals/preparing-for-forced-early-retirement-due-to-disability/

Join my ibotta team for rebates: https://ibotta.com/r/bdtnbyj

Join my Shopkick team so we can start a Vespa gang (or you can get more practical gift cards...if you think those are better than a Vespa for some reason): https://app.shopkick.com/r/3eNYBE

Hargrove

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Re: Saving to $10K
« Reply #48 on: February 12, 2017, 10:29:16 AM »
The hardest part really is that first commitment. It can be difficult to do that while reading some of the savings-rate complaints of super high earners here.

It's when you put it into context for yourself, though, that's when it really clicks. Your first month is a huge slog, and you put away this pile of money bigger than any you ever spent in a month. In not long, you have more money saved than you imagined anyone you knew had. You worry less about stuff your friends still complain about. You realize you care, but you don't panic when the car breaks down. You don't check your balance before going to the store - you just shop like a badass. By year 2, the first pile of money you made, a bigger pile than you imagined only a short while ago, is now twice as big, and the new biggest pile of money you've ever had, and you're getting a free month or two added to the savings for nothing every year...

Every step helps. Some are smaller, some larger. My SO is a freelancer following a dream, who makes almost nothing right now. Her goal is to add a part-time Starbucks gig to indefinitely cover our health insurance, which is pretty simple, but pretty awesome, and a huge piece of the financial puzzle.

The hard-mode Mustachians are the ones starting later, or without the one or both super-high-earning jobs, and making it work anyway.

You can do it!

DieHard_772

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Re: Saving to $10K
« Reply #49 on: February 12, 2017, 03:46:33 PM »
The hardest part really is that first commitment. It can be difficult to do that while reading some of the savings-rate complaints of super high earners here.

It's when you put it into context for yourself, though, that's when it really clicks. Your first month is a huge slog, and you put away this pile of money bigger than any you ever spent in a month. In not long, you have more money saved than you imagined anyone you knew had. You worry less about stuff your friends still complain about. You realize you care, but you don't panic when the car breaks down. You don't check your balance before going to the store - you just shop like a badass. By year 2, the first pile of money you made, a bigger pile than you imagined only a short while ago, is now twice as big, and the new biggest pile of money you've ever had, and you're getting a free month or two added to the savings for nothing every year...

Every step helps. Some are smaller, some larger. My SO is a freelancer following a dream, who makes almost nothing right now. Her goal is to add a part-time Starbucks gig to indefinitely cover our health insurance, which is pretty simple, but pretty awesome, and a huge piece of the financial puzzle.

The hard-mode Mustachians are the ones starting later, or without the one or both super-high-earning jobs, and making it work anyway.

You can do it!

Awesome encouraging words, thanks.
Sometimes it seems awhile away before I will have one month's expenses set aside in our usual savings, but I keep doing it anyway,
every day there's more in it... Thanks for the words
« Last Edit: February 12, 2017, 03:48:08 PM by DieHard_772 »