Feeding 5 For $150 Per Week: 3rd Week of August 2017

Kroger: $143.81

More back-to-school stocking up! It sounds crazy, but I am even planning ahead to make a copycat Cracker Barrel Hashbrown Casserole for Thanksgiving, and picked up those cheap Ore-Ida frozen hashbrowns.

We skipped Green Bean Delivery this week but will probably get it next week.

Monthly goal: $600

Weekly total: $143.81

Running total: $450.32

Frugal Steps and Stumbles

Frugal Steps:

  1. I worked almost 30 hours last week.
  2. I graduated with my master’s!
  3. I was hired for an adjunct teaching position that will start in a few weeks.  Any income I make from that will go towards our mortgage.
  4. I read a book on the digital library.

Frugal Stumbles:

  1. We ate out Friday and Saturday, as we traveled hours away to my graduation and ate at a Cracker Barrel on the way home.
  2. I used coupon codes, but I bought a few new dresses on eShakti and Eloquii so I have a larger professional wardrobe.

40 Goals for 2017: Week 32

I’m keeping myself accountable this year by tracking my progress on my 40 Goals for 2017 every week. 

This post contains affiliate links. When you purchase an item through my affiliate link, I receive a small percentage as compensation, that we then use to help reach our financial goals. Please see my disclosure policy. Thank you for supporting our family!

Week Thirty- Two

Financial:

  1. Max Roth IRAs for the mister and I: $11000. The Mister has all he needs for this year’s Roth savings and I have $2000. More than half done!
  2. Cash flow 4 months of swim lessons at Aquatots for our son and older daughter: $1200. Each child went up one level in their skills, so it was a success. We cash-flowed this one. Boom!
  3. Save $3000 for HVAC replacement. This will be sitting in savings until next year, but we are also at 100% for this as well. Done!
  4. Save $4000 towards the mister’s car replacement fund. Not yet. We tend to build up and then dump every few months, so we’ll see how this looks at the end of August/beginning September.
  5. Save $1050 650 for Christmas. Thanks to the $300 in Amazon Trade-in Credits from selling my grad school textbooks, I have completed Christmas shopping for my kids with the exception of a book or two for each child. We decided we would stick to 4-5 gifts per child, with one “bigger” gift each, and that has reduced our budget.  Goal met!

 

6. Save ? for outdoor play set.   Is this happening?  My husband’s powers of procrastination are quite formidable !

7. Save $750 towards next year’s 2018 family vacation and $ 750 towards my 2018 40th birthday trip ($125/month). We have $113 from last year’s garage sale earnings that I put towards our vacation fund. We’ll probably do a dump into this fund in the fall. I have a tentative date next June for our 40th birthday girl’s trip to Florida, and I know we’ll probably be getting a flight there. I hope to use my travel miles for it. We are staying in a friend’s parent’s condo for free.

8. Spend $600/mo or less on groceries and $100/mo or less on my fun money.   I  spent $484.44 in July and was way under budget. In August, we have spent $306.51 so far.

9. Finally roll over one of my 401Ks. I completed this last week. Done!

10. Give: 5 hours of volunteer time and $50/mo. This month, I don’t have anything planned for volunteering, but school starts in a few days, and my children’s teachers will probably be requesting donations.  Our first Girl Scout meeting is in October.  I donated $27 for the child in Gambia we sponsor from Plan and $42/ to St. Jude’s .

Personal: 

  1. Complete my master’s degree! My degree confers tomorrow. Done!
  2. Date night with the husband once per month.  We have post-graduation dinner planned with two couples at one of our favorite local restaurants, The Winds Cafe. I am craving their Figs, Pigs, and Goats and Ratatouille Crepes.
  3. Read 1 book per month  I started The Turn by Kim Harrison, one of my favorite urban fantasy writers. It’s basically a prequel to her popular series about a team of bountyhunters comprised of a witch, a vampire, and a pixie.  I am about 80% through. This makes 16-going-on-17 read out of 12Goal met! 
  4. Monthly me-time with friends I met the girls for brunch at another local favorite, The Meadowlark, last Sunday.
  5. Complete one freelance submission. Nothing this week.
  6. Finish the afghan languishing in the closet. I worked almost 30 hours this week and I am toast.
  7. Learn how to set up my sewing machine and complete one simple project. OK, didn’t happen yet. I really need to get those Daisy patches sewn on my daughter’s Girl Scout vest before the new year starts!
  8. Conquer iced cookies and icing a cake. No cakes planned.
  9. Drink 64 ounces water daily.   I hit this 5 days this week.
  10. Survive my practicum without eating fast food. We are calling this a 50% success.

Family/Home:

  1. Visit family in Cleveland. We visited my in-laws this month and were thoroughly spoiled as usual. Done!
  2. Weekly 1:1 time with each child. Lots of 1:1 time with the girls and the boy on my day off this week. Check!
  3. Sell my son’s old clothes. I am sold my son’s jeans for $23 and am his old firefighter outfit for $3 (boo). I have a box of clothes upstairs and a few coats that will be posted soon
  4. Complete kitchen counter clear-off to prepare for a fish tank. Done! Here’s our new fish, Bender 
  5. Clear out our study corner hot spot. I hit this hard and totally redid my office using the organization suggested in Organizing Solutions For People with ADHD. The corner is cleared out and the bookshelf is more usable, especially since I sold most of my nursing texts to Amazon. I went through and tossed, shredded, or filed most papers, used colored files for easy visual recognition, pared those files down to only about 10, and cleared out my desk. Done!
  6. Get the toddler potty trained! The Toddler, or should I say the soon-to-be-Preschooler, has officially crossed over and is completely in underwear during the day and during naps. This is saving us $20-30/month. Success!
  7. Hang pictures in front hallway. Nope. They are now neatly stacked and ready to go though. I hope to have this done by end of summer.
  8. Plant front yard tree. We learned that if we let the old roots decompose for another year, it will be easier to plant the new tree in the same spot next year and require a smaller hole. Bonus: it will save us money this year. We filled in the area and planted a little grass instead. Deferred! New goal: weeding and mulching flower bedsimproving the plantings in the beds, replacing all outdoor lights (several are broken)and fixing and painting the mailbox. My husband fixed the mailbox but we now know it will only be temporary, as several parts were severely damaged. We are looking to buy a new one.
  9. Paint half bath. Not yet BUT my friend Diane has most of a bucket of paint leftover from project and she is helping me do this in September
  10. Visit 6 different parks.  We tried an amazing new park this month that will probably become a regular one for us.   This month we visited Winton Woods and Highfield Discovery Garden .  Goal met: Six of six completed. 

Business:

  1. Complete Etsy Essentials and Brilliant Pins courses. Nope
  2. Start posting regularly on my Best Geeky Baby Names site. Procrastinating!
  3. Purchase the virtual real estate for the other four sites I want to create. I hit a 25% off sale this week. Done!
  4. Incorporate as an LLC. August? I am struggling with choosing a name. I don’t want too boring, too complicated, or too odd.
  5. Explore affiliates for my sites. I signed up for Share a Sale but need to look at which ones to work with.
  6. Double my daily traffic for Frugal Stepping Stones. I  hit it four times this week again. Thank you everyone who is stopping by!
  7. Start a monthly newsletter. Not yet.
  8. Expand my Emergency Menu Plans by one new plan each month this year.  I did brainstorm part of my next post .
  9. Do one guest post. Not yet, but I have a few ideas where to reach out.
  10. Interview one person for the blog. I have someone who is interested in being interviewed. It will be later this year.

How are your goals going?

Shop Related Products

Feeding 5 for $150 Per Week: 2nd Week of August 2017

Kroger: $142.45

School starts for us next week and I’ll have to start getting up at 7 again. Do I have to? Yep, I make lunch easy the first month. You’re talking to the person who did not take any classes before 930 or 10 am in college. I don’t mind making my mornings easier as long as it’s in the budget.

Monthly goal: $600

Weekly total: $142.45

Running total: $306.51

Frugal Steps and Stumbles

Frugal Steps:

  1. I picked up about 29 hours last week.
  2. We didn’t go anywhere fancy last week, instead the kids played with neighborhood friends on 3 different days.
  3. My husband replaced his work pants about every 18 months to 2 years. It’s time again, so we hit Kohl’s and picked up 5 pairs on sale and used a coupon. Yes, he bought 5 pairs of the same black pants!
  4. Our dryer was croaking and had been fixed three times in the past 12 years. We were worried we would have to replace it, but my husband paid for a $23 dryer part on Amazon and spent 4 hours fixing it. Problem solved!
  5. I sold my son’s jeans for $23 and his old firefighter suit, hat, and boots for $4 on Ebay.

Frugal Stumbles:

  1. I was within budget, but we spent a lot of this week’s grocery money on snacks and individually packed foods for the first few weeks of school. We don’t do this year-round,but I know we are all going to be dragging he first month like we always do, trying to get back in the school routine, and it will be cheaper to buy some Smart food popcorn and applesauce squeezers than end up buying lunch because we got up 20 minutes before the bus comes and forgot to pack lunch. Know thyself.

40 Goals for 2017: Week 31

I’m keeping myself accountable this year by tracking my progress on my 40 Goals for 2017 every week. 

This post contains affiliate links. When you purchase an item through my affiliate link, I receive a small percentage as compensation, that we then use to help reach our financial goals. Please see my disclosure policy. Thank you for supporting our family!

Week Thirty- One

Financial:

  1. Max Roth IRAs for the mister and I: $11000. The Mister has all he needs for this year’s Roth savings and I have $1700. I just added another $450 last paycheck. I also started applying for adjunct teaching positions to help and boost my savings rate. More than half done!
  2. Cash flow 4 months of swim lessons at Aquatots for our son and older daughter: $1200. Each child went up one level in their skills, so it was a success. We cash-flowed this one. Boom!
  3. Save $3000 for HVAC replacement. This will be sitting in savings until next year, but we are also at 100% for this as well. Done!
  4. Save $4000 towards the mister’s car replacement fund. Not yet. We tend to build up and then dump every few months, so we’ll see how this looks at the end of August/beginning September.
  5. Save $1050 650 for Christmas. Thanks to the $300 in Amazon Trade-in Credits from selling my grad school textbooks, I have completed Christmas shopping for my kids with the exception of a book or two for each child. We decided we would stick to 4-5 gifts per child, with one “bigger” gift each, and that has reduced our budget.  Goal met!

 

6. Save ? for outdoor play set.   Is this happening? We do have GREAT news. I figured out why our child’s PT and OT was rejecting and it is now paying, so we won’t be $800/month. My husband’s powers of procrastination are even more formidable than an insurance company bureaucracy, however!

7. Save $750 towards next year’s 2018 family vacation and $ 750 towards my 2018 40th birthday trip ($125/month). We have $113 from last year’s garage sale earnings that I put towards our vacation fund. We’ll probably do a dump into this fund in the fall. I have a tentative date next June for our 40th birthday girl’s trip to Florida, and I know we’ll probably be getting a flight there. I hope to use my travel miles for it. We are staying in a friend’s parent’s condo for free.

8. Spend $600/mo or less on groceries and $100/mo or less on my fun money.   I  spent $484.44 in July and was way under budget. In August, we have spent $164.06 so far. We blew the entertainment budget in July.

9. Finally roll over one of my 401Ks. I completed this last week. Done!

10. Give: 5 hours of volunteer time and $50/mo. This month, I don’t have anything planned for volunteeing,but school starts in 13 days,and my children’s teachers will probably be requesting donations.  Our first Girl Scout meeting is in October.  I donated $27 for the child in Gambia we sponsor from Plan and $42/ to St. Jude’s .

Personal: 

  1. Complete my master’s degree! My portfolio has been turned in and I am 100% done. I earned As in both classes and will graduate with a 3.84. Graduation is mid-August and my degree will confer on that date. Done!
  2. Date night with the husband once per month.  We have post-graduation dinner planned with two couples at one of our favorite local restaurants, The Winds Cafe. I am craving their Figs, Pigs, and Goats and Ratatouille Crepes.
  3. Read 1 book per month  I started The Turn by Kim Harrison, one of my favorite urban fantasy writers. It’s basically a prequel to her popular series about a team of bountyhunters comprised of a witch, a vampire, and a pixie.  I am about 70% through. This makes 16-going-on-17 read out of 12Goal met! 
  4. Monthly me-time with friends.  I am meeting the girls for brunch at another local favorite, The Meadowlark, on Sunday.
  5. Complete one freelance submission. Nothing this week.
  6. Finish the afghan languishing in the closet. I worked 28 hours last week and have not touched this since my last break.
  7. Learn how to set up my sewing machine and complete one simple project. OK, didn’t happen yet. I really need to get those Daisy patches sewn on my daughter’s Girl Scout vest before the new year starts!
  8. Conquer iced cookies and icing a cake. No cakes planned.
  9. Drink 64 ounces water daily.   I hit this 7 days this week.
  10. Survive my practicum without eating fast food. We are calling this a 50% success.

Family/Home:

  1. Visit family in Cleveland. We visited my in-laws this month and were thoroughly spoiled as usual. Done!
  2. Weekly 1:1 time with each child. Lots of 1:1 time with the girls and the boy on my days off this week. Check!
  3. Sell my son’s old clothes. I am sold my son’s jeans for $23 and am hoping his old firefighter outfit gets a few bids.
  4. Complete kitchen counter clear-off to prepare for a fish tank. Done! Here’s our new fish, Bender, named after our daughter’s favorite Futurama character. 
  5. Clear out our study corner hot spot. I hit this hard and totally redid my office using the organization suggested in Organizing Solutions For People with ADHD. The corner is cleared out and the bookshelf is more usable, especially since I sold most of my nursing texts to Amazon. I went through and tossed, shredded, or filed most papers, used colored files for easy visual recognition, pared those files down to only about 10, and cleared out my desk. Done!
  6. Get the toddler potty trained! The Toddler, or should I say the soon-to-be-Preschooler, has officially crossed over and is completely in underwear during the day and during naps. This is saving us $20-30/month. Success!
  7. Hang pictures in front hallway. Nope. They are now neatly stacked and ready to go though. I hope to have this done by end of summer.
  8. Plant front yard tree. We learned that if we let the old roots decompose for another year, it will be easier to plant the new tree in the same spot next year and require a smaller hole. Bonus: it will save us money this year. We filled in the area and planted a little grass instead. Deferred! New goal: weeding and mulching flower bedsimproving the plantings in the beds, replacing all outdoor lights (several are broken)and fixingand painting the mailbox. My husband fixed the mailbox but we now know it will only be temporary, as several parts were severely damaged. We are looking to buy a new one.
  9. Paint half bath. Not yet. Still on the Procrastination List.
  10. Visit 6 different parks.  We tried an amazing new park this month that will probably become a regular one for us.   This month we visited Winton Woods and Highfield Discovery Garden .  Goal met: Six of six completed. 

Business:

  1. Complete Etsy Essentials and Brilliant Pins courses. Nope
  2. Start posting regularly on my Best Geeky Baby Names site. Procrastinating!
  3. Purchase the virtual real estate for the other four sites I want to create. I hit a 25% off sale this week. Done!
  4. Incorporate as an LLC. August? I am struggling with choosing a name. I don’t want too boring, too complicated, or too odd.
  5. Explore affiliates for my sites. I signed up for Share a Sale but need to look at which ones to work with.
  6. Double my daily traffic for Frugal Stepping Stones. I  hit it four times this week again. Thank you everyone who is stopping by!
  7. Start a monthly newsletter. Not yet.
  8. Expand my Emergency Menu Plans by one new plan each month this year.  I did brainstorm part of my next post .
  9. Do one guest post. Not yet, but I have a few ideas where to reach out.
  10. Interview one person for the blog. I have someone who is interested in being interviewed. It will be later this year.

How are your goals going?

Frugal Steps and Stumbles

This post contains affiliate links. When you purchase an item through my affiliate link, I receive a small percentage as compensation, that we then use to help reach our financial goals. Please see my disclosure policy. Thank you for supporting our family!

Frugal Steps:

  1. I am selling my son’s old jeans on Ebay and already have a few bids.
  2. Our 6 year old has outgrown her beloved bike and her knees stick out like chicken wings when she rides it. We took her to Walmart three weeks ago to check which size works best for her next and discovered an 18″ bike is the proper fit. She REALLY wanted a Monster High bike, but we weren’t buying it full price. We told her we’d get whatever 18″ bike we could get at a garage sale, and she was fine with that. We were both thrilled today to see a Monster High 18″ bike posted on a FB garage sale for $45, half the cost of retail. It was a short drive to pick it up, but well worth it.
  3. I needed hiking boots with a high firm ankle support and found some Keens on Amazon for 69% off, and used $38 of a gift card to get them for about $31 out of pocket.
  4. I hit Crazy 8’s $8.88 jean sale, as I do every summer, to get my son slim jeans in the next size up (he’s less than 5% for weight). I buy 7 pairs in the same style and color, as he’s not a huge fan of change or in any way interested in fashion.
  5. I did a quick online research study and earned a $10 Amazon gift card.
  6. Our dryer is dying and has been repaired three times in the 12 years since we bought it. My husband watched a few YouTube videos and decided he can probably fix it himself with a $20 part.
  7. I transferred an extra $200 into my savings with my last paycheck.
  8. I worked like a maniac this week and got 28 hours under my belt.
  9. My aunt and uncle hosted a big party yesterday and the kids spent the entire day in their pool, in their bounce house, or going down the massive slip’n slide they constructed down a hill.

Frugal Stumbles

  1. I threw out several veggies from the veggie crisper that bit the dust.

40 Goals for 2017: Week 30

I’m keeping myself accountable this year by tracking my progress on my 40 Goals for 2017 every week. 

This post may contain referral/affiliate links. Please see my disclosure policy.

Week Thirty

Financial:

  1. Max Roth IRAs for the mister and I: $11000. The Mister has all he needs for this year’s Roth savings and I have $1700. I just added another $450 last paycheck and hope to squeeze $200-400 with the next one. I also started applying for adjunct teaching positions to help and boost my savings rate. More than half done!
  2. Cash flow 4 months of swim lessons at Aquatots for our son and older daughter: $1200. Each child went up one level in their skills, so it was a success. We cash-flowed this one. Boom!
  3. Save $3000 for HVAC replacement. This will be sitting in savings until next year, but we are also at 100% for this as well. Done!
  4. Save $4000 towards the mister’s car replacement fund. Not yet. We tend to build up and then dump every few months, so we’ll see how this looks at the end of August/beginning September.
  5. Save $1050 650 for Christmas. Thanks to the $300 in Amazon Trade-in Credits from selling my grad school textbooks, I have completed Christmas shopping for my kids with the exception of a book or two for each child. We decided we would stick to 4-5 gifts per child, with one “bigger” gift each, and that has reduced our budget. We bought two Amazon Kindle Fire Kids Edition 8″ tablets using the code KIDS2PACK to get $50 off and used gift cards  to purchase them.  I will wait for a Black Friday or Cyber Monday deal for the 3rd tablet, saving my latest textbook gift cards and a $25 gift card I just earned from SwagbucksGoal met!

 

6. Save ? for outdoor play set.   Is this happening? We do have GREAT news. I figured out why our child’s PT and OT was rejecting and it is now paying, so we won’t be $800/month. My husband’s powers of procrastination are even more formidable than an insurance company bureaucracy, however!

7. Save $750 towards next year’s 2018 family vacation and $ 750 towards my 2018 40th birthday trip ($125/month). We have $113 from last year’s garage sale earnings that I put towards our vacation fund. We’ll probably do a dump into this fund in the fall. I have a tentative date next June for our 40th birthday girl’s trip to Florida, and I know we’ll probably be getting a flight there. I hope to use my travel miles for it. We are staying in a friend’s parent’s condo for free.

8. Spend $600/mo or less on groceries and $100/mo or less on my fun money.   I  spent $484.44 in July and was way under budget. We blew the entertainment budget in July.

9. Finally roll over one of my 401Ks. Our 3 year old was sick this week and I had to cancel a shift. I was productive that day and did my rollover while she napped. Done!

10. Give: 5 hours of volunteer time and $50/mo. This month, I met my fellow Girl Scout leaders for a 2 hour planning meeting to set the meeting calendar for next year and discuss what we want to do. I donated $27 for the child in Gambia we sponsor from Plan and $42/ to St. Jude’s .

Personal: 

  1. Complete my master’s degree! My portfolio has been turned in and I am 100% done. I earned As in both classes and will graduate with a 3.84. Graduation is mid-August and my degree will confer on that date. Done!
  2. Date night with the husband once per month.  We feel overscheduled as it is, so there will be no dates for July.
  3. Read 1 book per month  I started The Turn by Kim Harrison, one of my favorite urban fantasy writers. It’s basically a prequel to her popular series about a team of bountyhunters comprised of a witch, a vampire, and a pixie.  I still have a ways to go on this. This makes 16-going-on-17 read out of 12Goal met! 
  4. Monthly me-time with friends.  I hit a new restaurant with friends a couple weeks ago and tonight I plan to go out with a couple ladies from work. Done!
  5. Complete one freelance submission. Nothing this week.
  6. Finish the afghan languishing in the closet. I worked 24 hours last week and have not touched this since my last break.
  7. Learn how to set up my sewing machine and complete one simple project. OK, didn’t happen yet. I really need to get those Daisy patches sewn on my daughter’s Girl Scout vest before the new year starts!
  8. Conquer iced cookies and icing a cake. No cakes planned.
  9. Drink 64 ounces water daily  I hit this maybe 5 days this week.
  10. Survive my practicum without eating fast food. We are calling this a 50% success.

Family/Home:

  1. Visit family in Cleveland. We visited my in-laws this month and were thoroughly spoiled as usual. Done!
  2. Weekly 1:1 time with each child. Lots of 1:1 time with the girls when they were down with a fever, and my son and I did some reading. Check!
  3. Sell my son’s old clothes. I am posted more on Ebay this  week and already have some bids.
  4. Complete kitchen counter clear-off to prepare for a fish tank. Done! Here’s our new fish, Bender, named after our daughter’s favorite Futurama character. 
  5. Clear out our study corner hot spot. I hit this hard and totally redid my office using the organization suggested in Organizing Solutions For People with ADHD. The corner is cleared out and the bookshelf is more usable, especially since I sold most of my nursing texts to Amazon. I went through and tossed, shredded, or filed most papers, used colored files for easy visual recognition, pared those files down to only about 10, and cleared out my desk. Done!
  6. Get the toddler potty trained! The Toddler, or should I say the soon-to-be-Preschooler, has officially crossed over and is completely in underwear during the day and during naps. This is saving us $20-30/month. Success!
  7. Hang pictures in front hallway. Nope. They are now neatly stacked and ready to go though. I hope to have this done by end of summer.
  8. Plant front yard tree. We learned that if we let the old roots decompose for another year, it will be easier to plant the new tree in the same spot next year and require a smaller hole. Bonus: it will save us money this year. We filled in the area and planted a little grass instead. Deferred! New goal: weeding and mulching flower bedsimproving the plantings in the beds, replacing all outdoor lights (several are broken)and fixingand painting the mailbox. My husband fixed the mailbox but we now know it will only be temporary, as several parts were severely damaged. We are looking to buy a new one.
  9. Paint half bath. Not yet. Still on the Procrastination List.
  10. Visit 6 different parks.  We tried an amazing new park thismonth that will probably become a regular one for us.   This month we visited Winton Woods and Highfield Discovery Garden .  Goal met: Six of six completed. 

Business:

  1. Complete Etsy Essentials and Brilliant Pins courses. Nope
  2. Start posting regularly on my Best Geeky Baby Names site. I am working three days this week and plan to work on this.
  3. Purchase the virtual real estate for the other four sites I want to create. Not yet. Waiting for a sale.
  4. Incorporate as an LLC. August? I am struggling with choosing a name. I don’t want too boring, too complicated, or too odd.
  5. Explore affiliates for my sites. I signed up for Share a Sale but need to look at which ones to work with.
  6. Double my daily traffic for Frugal Stepping Stones. I  hit it four times this week. Thank you everyone who is stopping by!
  7. Start a monthly newsletter. Not yet.
  8. Expand my Emergency Menu Plans by one new plan each month this year.  I did brainstorm part of my next post .
  9. Do one guest post. Not yet, but I have a few ideas where to reach out.
  10. Interview one person for the blog. I have someone who is interested in being interviewed. It will be later this year.

How are your goals going?

\

Goal Update: Retirement July 2017

It’s been a year since my last retirement update.  How are we standing with our goals?

2016

I calculated that we would only hit 14% of gross income in retirement accounts for the year, thanks to my grad school tuition.  That is exactly where we hit.

2017

We hoped to increase our retirement rate to 20-25% this year, but I can already say that isn’t going to happen, thanks to home repairs, the need to replace one vehicle, several appliances, and our new modest vacation fund.

I expect we will hit 14-16% of gross this year again.

Overall Retirement Savings

The markets have done pretty well overall this year, and we exceed where I expected us to be. We are at 22% of our minimum retirement goal of 1.2 million. Last year we were at 19-20% of goal, so we’ve gone up by about 2.5%.

Retirement Related Goals

  1. Consolidating my old employer 401K accounts into a Vanguard IRA. I decided to just roll over my worst-performing account, since the other two are actually doing great,have decently low expenses, and give me a little diversity. I did all of the paperwork for the rollover this week and set up my Vanguard IRA. Done!
  2. Open a Vanguard Roth IRA account. We did this and have 2 years worth of funds in there for me. Done! 
  3. We have a lot of research and learning to do when it comes to deciding where we are going to put the “early retirement” portion of our funds. I have a list of books on my list to read. Still working on this. 

2018 Goals

We plan to continue to max our Roth IRAs, but need to increase our savings.  I am thinking of adding another 3-4% of my income to my Vanguard IRA, but this is dependent upon how much I am able to work.

Where are you at with your retirement goals?