- Contribute 3% to my SIMPLE IRA every year in order to qualify for the full (3%) match from my employer. Total annual contribution = $2,500 (Actually, it varies, because my paychecks vary with bonuses and stuff, but it will always be at least this much, and likely a lot more as the economy and my salary improve. But we'll go with this number for ease of calculation.)
- Make Airbear contribute 6% to his 401k every year in order to qualify for the full (6% - lucky!!) match from his employer. Total annual contribution = $13,300 (Again, will be at least this amount. Also, maybe I should go work at his company.)
- Max out my Roth IRA every year. (Already done for 2010 - first time ever - woot!) Total annual contribution = $5,000.
- Continue to find ways to accumulate "extra income" - cash back on my rewards card, surveys, interest, etc. Total annual contribution = $1,000. It was actually more than double this last year, but I want to set an achievable goal that leaves me room to actually spend money, too.
- Contribute to non-retirement long term savings (so that not ALL of the money is locked away for 35 years). Total annual contribution = $2,000. Again, between the two of us we typically save a lot more than this each year (we certainly did the last two years!), but some of that savings is actually for SPENDING on things. Like fabulous vacations. And books.
Saturday, April 9, 2011
Friday, April 8, 2011
Friday, April 1, 2011
March:No-Spend Days: 16
No Eating Out Days: 17 (9 vacation days = EO!)
Extra Income: $165.90 ($83.62 from surveys, $50 cash back from my chase card, and $32.28 interest)
Progress Toward Savings Goal: 23.69%
Retirement Savings: $3195.50 (yes, really!)
Working Out Days: 0 (Gave myself the month off as a wedding present, lol)
Books Finished: 0! Again! Man! BUT I am finally getting close to the end of this reaaaally slow classic I’ve been slogging through, so hopefully I’ll have enough non-homework time to make this number pick up in April.
Other Achievements: Finally wrote my 2011 goals.. but already realized there are more things I want to add to the list! Agh, I want to accomplish them all, but I need to be realistic so I don’t get discouraged. Hmm, choices, choices. I *did* finally get some into my 2010 Roth (and started my Total Bond Market Index Fund, finally), so that felt awesome. I’d like to be able to max it out by April 15 but I just don’t know if that is in the cards. Well, in the wallet, you know. Ha. Anyway, I want to beef up the EF, start the laser eye surgery fund finally, and pay for this math endorsement internship so I can finally get that old goal off my to-do list (uh, from 2009, heh). Of course I’d ALSO like to: max out my 2011 Roth, start a Roth for my NEW! HUSBAND! And max that out, and start (and fill) funds for the remaining classes I’ll need for my Ed.S degree after my work stops paying tuition for me (only one more class to pay). So we’ll see, the goals may get adjusted a bit. But the great thing is they’re all positive goals – education, job security & marketability, retirement, vision (!), security… It makes me smile, actually. Pretty proud of all that :)
OH and I got to make a brand new net worth chart in Excel, too. I made one for me and one for me & Airbear combined. Both are POSITIVE (!) and, between you and me, they are both just some damn fine lookin’ charts. There are colored header bars and everything. Man I make beautiful spreadsheets. Just look:
Now tell me you're not just DYING to evaluate some assets!!!