Between the expense of the mortgage refi and the car accident (rental car for a month), we've made little progress on our goals.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $5318 (16%)
(2) $5000 (50%)
(3) $412 (4%)
(4) $150 (3%)
(5) $0
(6) $0 ($17,475 currently in ING e/r fund)**
Total - $10,932 (15%)

**Yes, we are going backwards on the e/r fund. If you followed my 2008 goal fiscal fitness journal, you'll note that when we closed out our 2008 goals we had $4098 more in our e/r fund than we do now. I won't count additions to our e/r fund until we are back up to $21,881. We expect a healthy tax return and we will use part of that money to refund our e/r fund.

One IRA fully funded.

Also, met with the accountant yesterday.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $7097 (22%)
(2) $9000 (90%)
(3) $462 (5%)
(4) $150 (3%)
(5) $0
(6) $0 ($18,040 in our ING e/r account)
Total - $16,711 (23%)

With our tax refund, we have done some catch up work but we are still about $2500 behind on our 2009 saving goals.

As of yesterday, both of our 2009 IRAs are fully funded ($10,000 total saved and invested in stocks).

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $8704 (26%)
(2) $10000 (100%)
(3) $563 (6%)
(4) $157 (3%)
(5) $0
(6) $0 ($18,576 in our ING e/r account)**
Total - $19,426 (27%)

Happy to have one savings goal completed! We are also on target for fully funding our 401ks. Regarding the other goals, we are about $2600 behind of where we ought to be.

** At the close of last year's fiscal fitness journal we had $21,881 in our e/r fund , we've spent money on our REFI and so far about $2000 related to the Feb. car accident (I still don't have my car back from the repair shop so those rental car fees continue to add up). We continue to add to our e/r fund but we are not counting the progress until it hits $21,881.

1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $10313 (31%)
(2) $10000 (100%)
(3) $613 (6%)
(4) $163 (3%)
(5) $0
(6) $0 ($19,142 in our ING e/r account)**
Total - $21,091 (29%)

We are about $3600 behind of where we ought to be. I finally have my car back, hooray, $12,000 in repairs covered by insurance and @$2700 in rental car costs and my deductible. Those car costs have been a major ding to the last two monthly spending plans (our form of a budget). Looking to get back on track this and next month.

** At the close of last year's fiscal fitness journal we had $21,881 in our e/r fund. We continue to add to our e/r fund but we are not counting the progress until it hits $21,881.

I've updated our NetWorth IQ chart, you can see same on my blogeroni. I finally updated our retirement numbers (after ignoring them for about 6 months).

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $11920 (36%)
(2) $10000 (100%)
(3) $663 (7%)
(4) $163 (3%)
(5) $0
(6) $0 ($19,642 in our ING e/r account)**
Total - $22,748 (31%)

Ugh, we are now about $6000 behind of where we ought to be. Sigh, we really seem to be making very little progress. The car accident bills are behind us, the REFI costs are behind us and yet we seem to be spinning our wheels. We've both been very busy at work and therefore probably spending more than we should eating out during the week. We are overdue for a family finance meeting but I'm not sure it would be particulary fruitful as I don't presently have a clear idea on why we seem to have a money gap.

** At the close of last year's fiscal fitness journal we had $21,881 in our e/r fund. We continue to add to our e/r fund but we are not counting the progress until it hits $21,881.

We were out of town and as a result I'm behind on everything, personal finances included, so this is an incomplete update.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $13526 (41%)
(2) $10000 (100%)
(3) $714 (7%)
(4) $170 (3%)
(5) $0
(6) $0 ($20,177 in our ING e/r account)**
Total - $24,412 (33%)


** At the close of last year's fiscal fitness journal we had $21,881 in our e/r fund. We continue to add to our e/r fund but we are not counting the progress until it hits $21,881.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $14467 (44%)
(2) $10000 (100%)
(3) $714 (7%)
(4) $170 (3%)
(5) $0
(6) $0 ($21,177 in our ING e/r account)**
Total - $25,353 (35%)

As we close in on the mid-year mark, we are still behind on our 2009 savings goals by about $7600 (ouch). But, we are just $700 away from refunding our emergency fund which will help us as any money above $21,881 will count towards our 2009 numbers. We are also pleased that we refinanced our primary home mortgage when we did as those rates have moved higher since we completed our REFI.


** At the close of last year's fiscal fitness journal we had $21,881 in our e/r fund. We continue to add to our e/r fund but we are not counting the progress until it hits $21,881.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $15133 (46%)
(2) $10000 (100%)
(3) $714 (7%)
(4) $170 (3%)
(5) $0
(6) $0 ($21,677 in our ING e/r account)**
Total - $26,069 (36%)


** At the close of last year's fiscal fitness journal we had $21,881 in our e/r fund. We continue to add to our e/r fund but we are not counting the progress until it hits $21,881.

1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $16,074 (49%)
(2) $10,000 (100%)
(3) $714 (7%)
(4) $170 (3%)
(5) $0
(6) $796 (8%) ($22,677 in our ING e/r account)
Total - $27,805 (38%)

We have finally, refunded our emergency account back to the 12/31/08 levels. We are on track with our 401K contributions for the year. But, overall, we are still behind on oursavings goals.

yay! At least now you'll be making progress 'faster' because all the money you put away will be reflected in your percentage achieved.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $17,684 (54%)
(2) $10,000 (100%)
(3) $815 (8%)
(4) $276 (6%) ($5276 in our ING baby account)
(5) $0
(6) $1333 (13%) ($23,214 in our ING e/r account)
Total - $30,109 (41%)

Broken the $30,000 level, but still way behind where we ought to be. Nice to see the emergency fund growing, focusing our energy on the e/r fund and the baby fund right now.

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $19,291 (58%)
(2) $10,000 (100%)
(3) $865 (9%)
(4) $376 (8%) ($5376 in our ING baby account)
(5) $0
(6) $1333 (17%) ($23,614 in our ING e/r account)
Total - $32,226 (44%)