5:34 AM Savings

Emergency Fund: $1,985.32 (+104.67) - Regularly budgeted contribution plus a little interest. I'm calling this fully funded even though we're a few dollars short of my $2000 goal. Hopefully interest can make up that slack in the next few months. I'm moving the monthly budgeted $100 contribution from this account to the Christmas savings until that is fully funded. Then I'll have to decide if I want to snowflake that budgeted $100 to debt or keep building the emergency fund or some third option like maybe rebuilding the Christmas fund for Christmas 2009?

Short Term Savings: $595.33 (+111.04) - $90 down for some medical bills and then $150 up from the garage sale and $50 up from the regular monthly budgeted contribution. All in all, not bad. This account is already $408 down this month however to pay for my NM plane ticket. The rest of the money in this account is earmarked for hotel room, rental car, food and souvenirs for NM so by the end of the month, it'll probably be pretty depleted. That's OK though, that's what this account is for! The plan is to rebuild it to purchase a Garmin GPS/heart rate monitor for Chuck (and me). After that I'd like to save again to purchase a treadmill for myself.

Anniversary Savings: $254.34 (+20.59) - Made regularly budgeted contribution plus a little interest. It's going to take a long time at this rate to go on any trips! When we are debt free I'll start contributing a little more to this fund. We are so going to Hawaii in 2012!

Christmas Savings: $604.09 (+1.46) - Nothing contributed this month but a little interest. This month the $100 from the monthly budget will go here instead of the emergency fund. This should enable us to meet our $1200 goal for Christmas 2008. Yes, that may sound high but we have grandparents, parents, siblings, friends and children all to buy for plus an upscale Christmas Eve dinner to host and all that has to come out of this budget. Whatever is left over will be held for Christmas 2009. You can never start saving too early!

Our NCN chart went from 40.45% to 45.79% this month! Nice increase! Chug, chug, chug. Time to keep moving along!


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