2020: The Official YNAB Savings Challenge

New year, new goals! Welcome to the official YNAB savings challenge of 2020!

Everyone is welcome to join in on this challenge, regardless of the size of your goal or the date you get started.

Claim your line on the spreadsheet below, and share a summary of your savings goals in the thread. There's also a spot for your forum journal link in the spreadsheet if you'd like to share! Bookmark the spreadsheet and come back to update your progress every month throughout 2020. 

2020 Official YNAB Savings Challenge Spreadsheet

The 2019 savings challenge resulted in over $1,565,000 saved and we're still seeing updates added in! That's incredible progress in just 12 months.

Let's set our sights high to start out this decade! Here's to your overwhelming success in 2020!

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  • Hi everyone! I took line 70. This is my first challenge, I discovered YNAB in December 2018 and have been addicted ever since :) I just finished off paying back some personal loans, so now I think its time to save up some emergency funds! I also have two cats and a dog, and I am always so paranoid about someone getting sick or injured (one cat required a $1.5k eye removal surgery a few years ago, plus another $1k for complications). So I would like to have a nice healthy vet bills category too. 

    Like 2
  • I have a vacation costing about $1700 in August but beyond that I just want to save 10% of my earnings.  Whenever money goes to TBB I immediately chock 10% of it into my "10% Savings" category and proceed normally with the rest.  Of course my trip got its own category to fund.

    Like 2
  • I decided to change my goal amount on the spreadsheet to $300 to $1,500. I know I'm not going to save $1,500 in one year but that is my goal overall so I can have one month's of expenses in addition to my $1,000 emergency fund. Right now I have $107.56 saved toward the $1,500. I did do the $25/month auto transfer from checking to savings so I know that I will be saving at least that much each month. The reason I changed my goal amount to $1,500 is that I will work harder to get to that amount than I would to get to $300. I'd only have to let the auto transfer happen to save $300 in a year so there would be pretty much no effort involved. I want something to strive for and that $1,500 goal will motivate me.

    Like 4
  • So far so good!  Glad to be investing in my Roth again and glad to be slowly building up my buffer.

    Like 2
  • A little late to the party I guess, but here we are! Thank you Veronica for setting up this challenge!

    Like last year, my main goal for 2020 is to continue to contribute to the financial independence (FI) fund. I started the 'race' to FI a little late in my lifetime, paying off our home first so as to free up cash flow, and presently building a fund which hopefully will provide enough to bridge to retirement date.

    I will be 55 this year, retirement funds (which are adequately funded at this time!) will start pension payments at age 65, and some at age 67. We need to bridge about twelve years to retirement. As time progresses, we build more wealth and at the same time the number of years to bridge decrease.

    I believe I should be working / contributing at least another two years to reach FI at which time working in a high demanding job becomes optional. I could continue, or decide to do something else.

    The one thing threatening FI is the way my job impacts my health. I find it increasingly more difficult to deal with, so I may need to drop out of work and may never reach the goal which is only a few years away.

    We will see about this all. In the meanwhile, I am planing to contribute about €4,000 per month towards the FI goal, for a total of €48,000 in 2020.

    To all fellow challenge takers: I wish you all the best for this year, keep it up!

    Like 3
  • February update, a couple days early since February is fully funded. I'll be putting $2220 into savings, which is $3808.50 (or 25.39%) of my $15,000 goal for 2020. Some months will be leaner than others, but I should be on a good path to make it to my (aggressive for me) goal.

    Like 7
  • My original post:

    I am setting my intentions early to avoid any creep that would see my raise disappear.  This year I am continuing goals like a Grad Gift, Christmas and Car Replacement fund. I have a new overseas vacation to fund as well as elective surgery to pay for.

    My 2020 Goal is $22,500 and my stretch goal is $25k.

    My beginning of the month contribution was $5988 but with the overseas holiday over and much less expensive than I had anticipated, my end of month total is $8,582.29.  Really happy to see a big number here as it means my bonus is being put to good use AND it means the rest of the year has a bit of the pressure relieved.  

    Goal Reached: 38.14%

    Like 5
    • QC That is amazing! Setting that intention paid off. 😉

      Like 1
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 7 mths ago
      • 3
      • Reported - view

      My February update begins with amending my January numbers.  I'd forgotten about a bill I owed my boyfriend for accommodation in Paris so my Jan final figure is less $500-ish.

      February is a very respectable savings contribution of $2,554.89.

      Last years savings challenge was my first and if I've learnt anything, it's that there will be ups and downs just don't let the ups fool you or the downs discourage you.  Just keep on saving!!

      Like 3
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 6 mths ago
      • 2
      • Reported - view

       March Update!

      Very early in the month I was taking a look at my savings goals and progress and realised I'd calculated goals wrong and my numbers were off.  Having recalculated my goal is now $37,500.  This is big and scary but I'm going to try my best.  I decided that March would be a No Spend month and in the midst of it I decided to get really super clear about all my goals for the year.  I have my goals, plans on how to achieve them, rewards planned for milestones and I'm so excited for the year ahead.  My No Spend month resulted in an extra $1,200 on last month being contributed to savings despite having lost the income from a side gig.  I am now having a No Spend month every 3rd month and a no spend week every month.

      But without further ado....

      My 2020 Goal is $37,500 and my stretch goal is $40,000.

      My March contribution to savings was $3,720.03 bringing my overall goal to 38.17% complete.

      Like 2
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 5 mths ago
      • 1
      • Reported - view

      April Update

      I have added $3,341.67 to my Savings goals this month.  Although I am saving considerably on fuel it it being spent on groceries and trying to keep myself and my kids entertained.  I've also been spending more than usual on skincare stuff since I now have the time and energy for regular self-care.  I am now 47% completed my goal.  No spend week this month wasn't perfect but I did contribute more to savings so it's effective all the same.

      Like 1
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 3 mths ago
      • 1
      • Reported - view

      May Update

      For May I added $2,889.29 to my savings goals. This brings me 54% of the way to completion of my goals for the year.  Efforts were thwarted by unexpected car repair and a loan I gave to a family member but I'm still comfortably ahead and happy with progress.

      Like 1
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 2 mths ago
      • 1
      • Reported - view

      June Update

      Contributed 2,752.93 to goals this month putting me at 62% completed. 

      I had a savings goal that I was planning on spending this year but international travel looks to be off the cards so I'm debating whether or not to buy a new car first and start that goal over again.  It makes no difference at the end of the day but I much prefer a short, hard sprint to a gargantuan, marathon effort.  

      Like 1
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 1 mth ago
      • Reported - view

      July Update

      Contributed 3,206.64 to goals this month and am now at 70% completion of total goal.

      Like
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 2 wk ago
      • Reported - view

      August Update

      Contributed 2,808.20 to goals this month and now at 72.8% completion of total goal.  The smaller incremental increase in total achieved this month is due to a revision of my overall goal.  I was comfortably on track to meet the target so have added to those goals to keep myself challenged.

      My original goal was to save $22,500 and I had a stretch goal of $25,000.  A miscalculation discovered in March however then pushed my goal up to $37,500.  This actually about 50% of my income and at the time, seemed an impossible achievement.  My new goal is now a smidge over $40,000 and I am 70% of the way there.  

      Admittedly, I was looking at my December bonus as playing a part but have just been advised that will be delayed until January. If I play with the numbers I can still comfortably reach the milestone I've set myself.

      The final quarter will be interesting!!

      Like
  • First update of 2020.  Off to a good start. I can't wait for my car loan to be gone because seeing that $1000 going to that every month really angers me when I think about all the other stuff I could do with that money (7 months to go if I don't use my tax refund towards that).

    • Retirement: $500.00/$6,000.00
    • Next Home: $50.00/$3,000.00
    • Investments: $505.00/$4,800.00
    • E-Fund: $153.50/$1,200.00
    • Total: $1,208.50/$15,000.00

    My E-fund is getting a little extra love since we just had layoffs occur at my work and my fiance is going to grad school starting in August.  Though I have 6 months saved up, I'd rather err on the side of caution since fiance is about to lose half his income.   

    Like 3
  • January Update! So far, this has been a great month for our savings goal. We managed to scrape together more than we anticipated and cashflow an unexpected washer/dryer purchase. My washer stopped spinning about a month ago and there's no way to stop doing laundry for a family of 5, so we moved some money and made it happen. 

    Total saved in January - $3,800.71 

    Expecting February to be higher than average as well, with my husband picking up an extra side job this weekend and getting his work bonus that we can completely toss to savings! 

    Like 3
  • So, I really wanted to participate in the challenge, but I wasn't thrilled with putting my numbers on the spreadsheet (personal reasons).  I hope my solution will not bother anyone on this thread - the accountability of posting will help me, I'm sure!

    My savings goal this year is to save $X.  Each month, I'll post that I want to save $Y (literally, I'll use a variable).  At the end of the month, I'll check in by saying I saved 90% of Y, or 104% of Z.  Good luck, everyone!  I look forward to seeing your progress!

    Like 2
    • Move Light Sound Life 

      January Check In:

      We saved 61% of Z.  It was difficult to calculate because we decided to reallocate to get buffered, and I didn't want to double count the money saved/budgeted from saved money.  It's ok that we didn't reach the numeric goal, because the buffer puts us in a different relationship with the money earned in January.  We're still figuring out those implications.

      February's savings goal should be more straightforward.  We are hoping to save Y.

      Like 1
      • Veronica
      • Support Manager
      • Veronica_ynab
      • 7 mths ago
      • 1
      • Reported - view

      Move Light Sound Life 61% is still a great chunk of the goal, and it sounds like you set yourself up well for Y in February!

      Like 1
    • February Check-In:
      105% of Y.  Yay!  I don't recall how that happened, but I'm glad.

      March Check-In:
      95% of W.  Adjustments needed to be made.

      April's goal is set to U.  Let's see what we can do to inch the actual numbers above 100%.

      It's a little strange looking at my numbers, because I'm including true expenses.  I'm including everything that I'm saving each month, but at the end of the year, I won't have the full amount - I will have spent my annual/semi-annual/bulk expenses.  I wonder how I can more clearly encapsulate the differently tiered savings - $ I hope to never touch (even now... let's keep that hope), $ I know I'll need (but not when/how much), $ I know I'll use a specific amount of each cycle, and $ that carries over from being frugal in categories.

      Hm.  There's an idea.  I could redo my own spreadsheet (where I'm calculating %s) to separate the 4 tiers of savings.  That could be fun.  Not today, though.  Later.

      Happy Easter!

      Like
    • Move Light Sound Life ...And I wish I could edit posts longer than 30 minutes. 

      I should have known that 105% was too good to be true.  I did end up slightly re-organizing the spreadsheet into tiers.  In doing so, I found a set of categories that was double-counted.  Here are the correct %s:

      February: 98% of Y (Not bad)
      March: 92% of W (Also, not bad)

      I do like seeing the tiers separated.  It's easy to see how much we will have saved in the traditional sense by the end of the year.  I don't want to dis-count the true expenses, as they're a hefty amount that does need to be saved (to be spent later).

      Like
    • Move Light Sound Life April Check-In:

      80% of U.  It's not bad. 

      Let's see how June does with T.

      Like
    • Move Light Sound Life So, all these savings numbers are a bit annoying. This is mainly because I included things like 6 month bills and bulk buy categories in my savings numbers - true expenses that I know will be spent in a certain time frame. Well, guess what? They've been spent, so it doesn't feel like I really saved that money. I suppose the win is that I didn't have to WAM from other savings goals to make them happen, so it protected savings (and/or helped keep debt away).

      Anyways, forget the variables (because those projections included money that's already gone). We got an escrow refund, which put our savings snowball unrolling ahead of schedule. So did the stimulus (which, of course, means next year's tax refund will be $2400 less...), but we also decided to prioritize giving with it. So far in 2020, we have

      - paid back the category (car down payment) that allowed us to get buffered

      - established a monthly car payment to ourselves

      - finished the medical deductible category and unrolled the number needed to fund next year's medical deductible. With current rates, and as long as we don't use too much, the sum of those two categories will almost fund the OOPM number, at which point I can institute a cap (but who are we kidding - all those numbers go up every year. Some is better than nothing, I guess).

      - built the home maintenance category to a certain minimum threshold to be ready if the water heater goes (still making small monthly contributions).

      - are setting aside money to pay for new windows on a 0% loan... The plan was to pay minimums while saving aggressively to pay it off, thus earning interest. It would have been about $100 interest earned, but since rates have gone down, I'm guessing more around $70. The problem is that the credit utilization jumped and the credit score is now about 75 points lower... I don't know if we should make bigger payments and lose the interest or what. It was a cool idea, but I didn't think about utilization. 

      - finally reached the 3-month Loss of Income fund! It's such a daunting thing to think about getting to 6 months, but so was 3 months.

      - right now, what's left of the snowball will go to a house down payment. If projections serve true, we will have enough to buy... Nothing around here at the end of this year, but we gotta start somewhere. If necessary, this can be moved to the loss of income fund.

      Like 1
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 2 mths ago
      • 1
      • Reported - view

      Move Light Sound Life 

      Congrats on the 3-month milestone.  I found getting through the big 6-month e-fund goal a thoroughly beastly slog, at the end of which I had a bigger liquidity number, but a whole lot of money I couldn't use towards anything but to let it sit in reserve in case I need it.  It's hard to find the gratification or reward in that.

      Worth it? I think so, yes, but a beastly slog.

      Like 1
  • January update: No saving progress this month though I already stated I don't expect to start the savings journey till April.. I've officially moved it back to March due to several unforeseen bits of $ coming in. Can't wait.

    Like 1
      • Veronica
      • Support Manager
      • Veronica_ynab
      • 7 mths ago
      • Reported - view

      GSDdad March is getting closer and closer! I'm looking forward to your updates when the time comes!

      Like
  • February Savings Challenge Check-In

    I received an extra $42.50 in income in January, all cash-back rewards and interest, a slow month when it comes to finding extra income. On the plus side, I was able to squeeze $94 from groceries, gas, and rent/utilities by simply spending less than expected in January, and only budget in February what I spent in January, so that added $94 to what I could allocate to savings in February. I still don't have a plan for how to achieve the stretch part of my stretch goal. Getting my tax return in early will help a bit, and I'm still waiting for official docs to do that.

    $850 saved in February, for a total of $3,850 saved to date, bringing me to 25.67% of my 2020 stretch goal of $15,000.

    Like 4
  • Hi All,

    I aim to save £10,000 to go towards a deposit for a house.

    Like 3
  • Question for the group. If your sinking funds that you regularly spend from (in checking) gets too big and you sweep some of it into savings, do you count that as savings? For example, I put $250 into "kid stuff" each month (because: kids are expensive and I've spent on average $250/mo in that category over the past year), but haven't spent as much on them lately. There haven't been any surprises or needs in a while and the category is now too chubby and I might as well earn interest. 

    So, if I put $500 from there into savings next month, would you consider it savings, or cheating because you didn't actively have to do anything (read: struggle) to save it?

    Like
      • Purple Hail
      • ynot?
      • Purple_Hail.2
      • 7 mths ago
      • Reported - view

      xgirlmama absolutely savings, provided you don't skim it off the savings if you needed some new kid stuff. 

      Like
  • Hi all!

    After a flurry of activity at the end of 2019/start of 2020 (moving house, Christmas/birthdays, illness, finishing up my mat leave), I really had to move my goals around and I'm happy to say that although I never had the chance to update the spreadsheet (bad girl!) I did achieve my savings goals as of January (albeit modified ones). My goals in 2019 were my emergency fund, moving fund (saved and SPENT!), and saving for a 5 year anniversary holiday with my husband (nothing booked yet, but I'm hopeful we do get away even for a couple days).

    So with that, onto 2020 and beyond!

    This year I'm looking to keep on track with some new mid-level sinking fund goals with end dates in the next few years. My goals are to save the following in 2020:

    $350 for my new car down-payment fund (0 saved in January, $29.42 saved in February)

    $750 for our renovation fund ($32.90 saved in January, $57.76 saved in February)

    $1000 for job loss fund (0 saved in January, $30 saved in February)

    Like 2
  • We started 2020 with the goal of increasing our emergency fund to $7,000 and to save $10,000 for a down payment for a home. We have had some adjustments, we put an offer on a house last week and so now we're saving for house projects and maintenance. We are also saving for another adoption, but we should have about a year to save for that one. Anyways, the amount we want to save hasn't really changed, just the categories we are putting it in has changed. That said, we saved $1480.94 in January and $1086.44 in February. 

    Like 3
      • Ruth Elizabeth
      • Soil Scientist
      • Sapric_Histisols
      • 6 mths ago
      • 2
      • Reported - view

      Ruth Elizabeth 
      We have $1598.27 budgeted for March for savings. 
      $307.93 saved for short term goals such as summer activities, birthdays, and Christmas. 
      $790.34 saved for long term goals such as investments, a family trip to Japan, honeymoon, our next adoption, and emergency fund.
      $500.00 saved for house expenses such as projects, maintenance, and furniture.
      Further up and further in! 

      Like 2
      • Ruth Elizabeth
      • Soil Scientist
      • Sapric_Histisols
      • 5 mths ago
      • 1
      • Reported - view

      Ruth Elizabeth 
      We have budgeted $1704.88 for April for savings. 
      $282.45 saved for short term goals such as summer activities (although right now I'm thinking our summer activities will be sitting at home...), birthdays, family tickets (we use this money to buy airplane tickets to either go visit my family or for my family to come visit us), and Christmas.
      $766.39 saved for long term goals. This includes a dog, investments, a honeymoon for my husband and me, our next adoption, and an emergency fund.
      $404.49 saved for house expenses. We're mostly putting money aside for future maintenance needs.
      $251.55 saved for wish farm things. A mountain bike for me, swimming team for our oldest daughter this summer, a new bookshelf for our youngest, a fire pit for our backyard, and a Playstation 5 for my husband. It feels silly to continue to fund the wish farm in the middle of this pandemic, but I figure as long as our income is stable we'll continue and if something happens we can always move it to more immediate needs.

      Like 1
      • Ruth Elizabeth
      • Soil Scientist
      • Sapric_Histisols
      • 4 mths ago
      • 1
      • Reported - view

      Ruth Elizabeth 
      $1961.81 budgeted in May for savings.

      $341.97 saved for short term goals.
      $766.39 saved for long term goals.
      $600.00 saved for house expenses.
      $253.45 saved for wish farm.  

      Like 1
  • January check-in:

    Met my monthly savings target + $100. Hoping to have my 6-month EF fully funded in March. So excited to check this off the list and move on to other savings and investing goals. Cheers to a strong savings February for all!

    Like 4
  • I'm joining my first YNAB Challenge!!  Starting YNAB with my husband on January 1st was the BEST thing we could have done.  I am so shocked at how soon we'll be able to afford our first house.  Summer 2021 is our plan!

    Every time I get paid (weekly) I put $250 into the house fund and ever time my husband gets paid (bi-weekly) we put $500 in the house fund.  We are also building up a small separate emergency fund ($300/month).  If a true emergency happened, we could always use the house money and readjust our timeline.  I am not including the savings for true expenses or vacations because that money will be spent. 

    Total goal for 2020 is $36,000!

    Like 3
    • atoznewlyweds I love watching the percentage rise on our House Down Payment category.  We are over 30% to our savings goal. 

      My pay was reduced last month due to COVID and there is a chance I could be furloughed.  I asked my husband if he thought we should make any adjustments now, but we are staying the course.  I think there are other ways we could cut back without reducing our savings plan too much.  

      Like 1
    • atoznewlyweds I got furloughed in May, so we've stopped funding our Job Loss category.  I am getting unemployment which more than covers what I was making previously but I've heard the extra $600 that Californians are getting is going to run out in July.  What I'm thinking is that we'll get a full month ahead, and then if we have extra, I can fund the Job Loss category again.  

      We are still on track for our down payment savings and for that I'm grateful.  What a weird year 2020 has turned out to be!

      Like 1
    • atoznewlyweds June update (because things aren't going to change in the next couple of days)

      I'm feeling a bit insecure about our budget now that I'm not getting paid every week.  We spent a lot more this month due to a big purchase my husband made that wasn't planned for and then some traveling so I'm trying not to stress too much.  Anyways, this isn't about saving.  It's just about my general uneasiness with this month's budget.  

      Here's the actual savings update.  We realized our estimate for what we would need for a down payment was too low.  In upping that amount, we needed to save twice as much per month.  We still aren't funding our Job Loss category since I'm not working but now that seems like small change compared to our house savings.  

      I'm grateful that we are in a position to save this amount.  My insecurity is coming from a very privileged place in that every month before we had fully funded the following month before the current month was done.  That's not the case this month and I need to be okay with that.    *deep breath*  

      Like 1
    • July Update

      I like this monthly check in.  It's interesting to read back and see how I was feeling.  July is funny because my husband got 3 paychecks rather than 2 so I feel a lot more secure.  August will be interesting with the unemployment reduced.  Praying that I find a job this month.  

      My husband and I discussed how we should adjust our savings with the reduction in unemployment.  Basically I'm bringing in $2,400 less than last month.  We have $1,200 in our "Job Loss" fund which we can move to fund other categories if needed.  We've decided to reduce our "House Down Payment" fund by the remaining $1,200.  If somehow we fund September fully, we'll go back and add more to the Housing fund.  Feels a bit confusing in my head but I think it'll work out.  We have money to live and if we have to push back our plan to get a house, that will be fine.  

      I'm SO grateful for YNAB.  Even in uncertainty, I know we are ok.  

      Like
  • Checking in for January and February.

     

    Goal was €1,000 Emergency Fund but going to up it to €1,200 for the year.

     

    Jan: €100

    Feb: €100

     

    So far so good!

    Like 3
  • To quickly find your line in the spreadsheet, use ctrl+F (or command+F on a Mac) it will open a search bar and you can type in your name.

    Like 2
  • 2020 is going to be difficult, but exciting...

    Goals:

    • 3000$ tuition fund bc my funding got suddenly cut;
    • 1000$ surgery fund: I am waiting on 2 surgeries this year (hysterectomy + mastectomy), both of which mean time off work and odd expenses like "oh no none of my shirts fit anymore" and "ouch I'm in pain I am NOT cooking now"...
    • 1500$ emergency fund/month ahead.

    The absolute first thing I'm focusing on is the 3000$ tuition fund; honestly, I have no clue whether I'll be able to do the rest. The strategy is to try and save 10% of my monthly income (before taxes) while in school (10% * 1200$/mo*6mo= 720$) & put most (all?) of my tax return there (or at least the first 1000$). During the summer, I hope to be making about 2500$ (before taxes), so I hope to be able to put away 1000$/mo*4mo=4000$. This would give me 4720$, which gives me a liiiittle bit of a buffer over the total of 5500$.

    Like 1
  • Claimed line 85, looking to have a healthy savings account after putting all efforts and resources to our debt last year (Currently debt free!). 

    Like 2
  • I'm on line 33 and I'm upping my goal to save $13.5k total, $6k to fully fund my Roth and $7.5k into my emergency fund, bringing the total for my Efund to $8.5k.  I finally  have a fully funded month of buffer!  I feel so good about that.

    Like 1
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 7 mths ago
      • 1
      • Reported - view

      PhysicsGal said:
      I finally  have a fully funded month of buffer!  I feel so good about that.

       Congratulations.  This is such a game changer, and I hope you enjoy it as much as I do.

      Being able to accumulate all of this month's income in order to budget it next month was a significant leap forward in financial perception for me, and one that enabled me to increase my savings rate substantially.

      Like 1
  • Line Claimed conveniently my birth year <3. Here are my long-term savings goals, I know I am aiming high but I know I will eventually meet them, thanks to YNAB!!:

    Emergency Funds: $100.00/$5,000.00
    Sons Computer: $0.00/$2,000
    Nieces Quinceañera: $0.00/$1,000
    XMAS 2020: $0.00/$2,000
    Mexico Trip: $0.00/$3,000
    Yearly Bday Gifts (so I don't budget them per month) $0.00/$1,800
    Weight loss savings total $0.00/$20,000--**After hitting Weight Loss Goal**
     

    Like 2
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 7 mths ago
      • 1
      • Reported - view

      Orchid Ink 

      Colour me intrigued. Tell me more about his "Weight loss savings goal".

      Like 1
      • Orchid Ink
      • Orchid_Ink.2
      • 7 mths ago
      • 2
      • Reported - view

      HappyDance  My weight loss goal consists of skin tightening surgery in case of loose skin and new wardrobe because I plan to throw away my entire closet and replace it with my new clothes. Sort of my own reward on meeting my goals 🥰

      Like 2
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 7 mths ago
      • 2
      • Reported - view

      Orchid Ink 

      Awesome planning idea.  Adding this category to my budget right now.

      Like 2
  • So how does everyone update monthly?? Like do you add a new response every time with the goal or reply to your original post with the summary of update? Sorry total noob...

    Like
    • Orchid Ink hiya, I tend to reply to my original post just so I can keep track of everything. Also i figure at the end if the year I can read them through easily as a reminder of both highs and lows to achieve my goal.

      Like 1
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 7 mths ago
      • 2
      • Reported - view

      Orchid Ink 

      I just add a new response at the bottom. Otherwise I can't find the updates.  The threading in this forum is challenging for me.

      Like 2
      • Orchid Ink
      • Orchid_Ink.2
      • 7 mths ago
      • Reported - view

      Orchid Ink HappyDance  Tan Banjo (c031bfdaebb1) Thank you both! Adopting this strategy for March onward!

      Like
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