Oh, fun, I'm in! My goal for this year is to save a total of 10,000,000 KRW. I don't have an exact breakdown of where I want every won to go to, but it'll mostly be going towards an apartment deposit, with money also going towards my vacation, gift, clothing and Nintendo Switch funds. 

In January I saved 1,072,942 KRW, which is about half of my monthly salary.

In February I was able to save 1,265,402 KRW - a new record!

March was expensive with my birthday, my friend's leaving party, etc, but I still managed to save 261,740 KRW, bringing me to 26% of my goal for the year, so basically right on track.

this month I've added $50 to the emergency fund and $20.37 to the stork fund. I hope I can scrape up a little more as well to toss in before month's end. 

Well a surprising turn this week... I got quite a few BIG payments, some I was expecting, some I wasn't!

So I had my Tax Return from last year, my owed holidays from a job that I just finished, and inheritance from a relative. So all up (minus a few big expenses mainly a new computer because my main computer was a work one), I just hit 92% of my savings goal!! I certainly didn't expect to hit it so soon. I'm incredibly grateful to everything that's happened recently, and all the amazing opportunities that's happened recently. 

I will need to dip into it over the next few weeks a little bit until my first pay check from my new job, but I anticipate to either recover from this and actually get to 100%, or be extremely close to it! 

So once I've hit 100% I will go into debt killer mode, and I do very much expect to do that next month! 

April Check in

faboulus spring is here. And with him, pollen. Well however, at least my saving goals don't burn in my eyes ^^. The numbers for April are as following:

Total saving Target: 

Total: 25758 CHF

• 1614 CHF Retirement (+350 CHF)
• 300 CHF Fedcon (+100 CHF)
• 340 CHF Edinburgh (+100 CHF)
• 800 CHF Taxes (+200 CHF)
• 3113 (+1501.40 CHF).

Total: 6167 CHF (+2465.40 CHF) or 23.94%

Sadly, i missed my target of a zero balance on my banking account by the end of april. But I'm close, very close. At least my savings here made a huge step

Regards

Orchid Beat

My April check in: Ended up saving less than I'd like thanks to some unexpected expenses.  But I didn't add to my debt and still saved another $959 toward my 2018 goal. Now over 78% of the way there, but several challenging months ahead. Onward...

end of April/May check in:

My Savings Challenge for this year is to teach myself to save for the sake of saving, and not include the savings I make for specific categories like vacations, as I consider that money to be spent.  Ideally, my goal is to have 6 months living expenses saved and start an investment fund.  Now, before, I have saved for those amounts but then would spend that money.  The money ended up being considered extra cash that got added to another expense. So, for this challenge I'm not focusing on the amounts, but building habits. The goal is next year, when my debt is cleared, I can move forward on those habits and build the reserves, while still travelling and enjoying life.

Having said that, I've done something I'm impressed and shocked with, and I believe that is a part of the new habits I am creating. I have said no to going to 2 family weddings this year, as it required travelling out of the country. Really unheard of for me, so, I think it is a good start and shifting of priorities that I wanted to create.

Also, I'm really happy with how my savings are going. For May I've added $40 to my savings, that is $10 up from last month. And every month I have increased my amounts, plus increased amounts I am putting aside in later expenses categories that I don't include here. And I'm still living on last month's pay cheque which brings me endless joy.

Happy May, everyone!  Angela Brady : I totally hear you on the pollen, ACHOO!!  I'm still doing the dance of no credit card payment for May, I feel so happy about that!  Put my first half of savings goal away with the first paycheck of the month. Looking forward to spending some of my saved up money for a writing retreat on the coast in June!  

May check in: made the decision to transfer $500 to a new bank to take advantage of their offer of $400 to do so!  Have to leave it in there for 6 months, so I'm counting it as savings. Also funded college savings, summer savings, xmas fund, home maintenance fund, and writing retreat, which I put in the spreadsheet. Other smaller sinking funds I'm not tracking here, but did add to. hooray, I'm 53% of the way there!  yay!

In May, I will put $55 to my emergency fund and $28.24 to the stork fund. will update if I have any more to contribute to it.

My May check in:  Saved another $983, so I'm now over 79% of the way to my 2018 goal.  Was slated to save more, but yesterday I finally got the chance to buy Hamilton tickets for when the tour comes to my town. Now I'll be going to see Hamilton during my birthday weekend this Fall! And best yet, I was able to buy tickets from the theater,  avoiding the secondary market's over-inflated prices.  So I dipped into my other categories to reassign dollars for the $383 for 2 tickets, and it is worth Every. Single. Penny!  There's the YNAB flexibility working toward my priorities yet again!