Tuesday, May 26, 2015

Retirement by the Years

I came across a blog that had their retirement numbers year by year and I thought it was really neat.  The numbers given are as of January 1st of that year. Here goes:

2008:  2,379.18
2009: 3,474.48
2010: 7,327.33
2011:  13,153.44
2012:  29,480.27. This is marked both of ours so up till this point it was just mine.
2013:  52,934.11
2014:  80,141.07
2015:  116,599.75
Current:  128,675.82

My goal for this year is to contribute $18,000 to my 401k.  I increased my contributions to 16% of my pay.  I wish I could say that I didn't notice the increase but I do.  2011 was the year that I started my current job with a 401k.  I didn't have one before and only contributed to my Roth IRA.  I think that having the automatic contributions really increased the amount we were saving.  We both also have pensions but those numbers are not included in these.

It can seem daunting to save for such a huge goal like retirement so I like to see the progression.  If you have your numbers and don't mind sharing, leave a comment with a link back to your blog.

Monday, May 25, 2015

We have done so much better with groceries this month.  We've spent $360 so far but we will need to pick up a couple items for camping next weekend.  I've made a conscious effort to eat down our pantry, fridge and freezer.  Our fridge now only has the basics plus the freash veggies I bought yesterday.  Our pantry is getting a little skinny but still has a lot of food in it.  Our freezer is actually still pretty well stocked.  We will continue this challenge for June.

This is our menu for this week:
Beanless chili with cornbread muffins
Pork chops with cabbage salad
Spaghetti
Sesame steak strips with broccoli and rice
Burgers for camping--still need to plan with our friend that we're camping with

Oh yeah, one other important item, we finally broke down and bought the living room furniture we wanted.  Couch, loveseat, chair and two Ottomans for $5070.  Yikes!  It will be delivered this week just in time for our 11th anniversary.  Not very frugal but we are super excited.

Have a relaxing Memorial Day!!

Saturday, May 16, 2015

Update

We have been completely swamped lately.  Last week was the last week for Lil Punk's spring activities.  She had her school program, gymnastics finale and last swimming class last week.  That frees up 2 evenings during the week.  This coming Thursday is her last day at school.  She has a couple weeks off before starting soccer and T-ball with the summer rec program.  Thankfully her daycare will take her to both of those activities so I can just sneak away from work occasionally to watch her.  That reminds me that daycare costs are going up for the summer with both kids full-time.  It will be $1060 a month.  It would be more but Lil G is now 18 months so the cost goes down for him.

We've been using up what is in our pantry, fridge and freezer.  I need to tally up our exact spending for the month so far.  This is what I have planned for the next week:
Veggie pot pie with rice and broccoli--new recipe that I'm winging
Steaks with mashed potatoes and veg
Asian sesame chicken with stir fry veggies
Spaghetti
BLT's with salad

I also want to make BlackBerry crumble bars today because the blackberries are kind of sour.  I also plan to make a roast, potatoes and veggies for a friend who just had a baby this week.  She's not much of a cook but it will be nice for her to have a good home cooked meal for her and her family.

My garden is about two thirds planted.  I haven't planted corn, beans or any vine plants yet.  It has been raining like crazy for the last 10 days after having an extremely dry spring.  This is making it hard to get the garden in.  We also had frost this last week so we covered the tomato and pepper plants.  Gotta love zone 4 gardening.

Everybody is up from napping now so I gotta go!

Friday, May 8, 2015

We're Debt Free!!!

**except for our mortgage

One of my goals this year was to pay off the pick-up.  I had been paying it down quite rapidly but still owed $4488.  I was sick of having that payment and I set up an automatic transfer this month to our retail investment account.  I logged in this morning and paid it off.

This is the first time since we've been married that we've not had any vehicle or student loan debt.  I'm not really counting the one day last summer that we paid off my car and bought the pick-up the same day.

Woohoo!!

Sunday, May 3, 2015

Personal May Challenge

After adding up what we spent for groceries in April, we were stunned to realize that we spent $782.  Yikes!  Our freezer is stuffed full of food.  Our challenge for this month is to eat down our freezer and pantry.  I will plan meals around what we already have.  For grocery shopping, I will focus on replenishing what we always eat down, fruit, fresh veggies, milk, cheese, bread, soda (yes, I know!) and snacks like raisins that seem to disappear quickly.

We will do a better job this month!