Regular Savings:
Bingo Money $5620
Home Maintanence ING $3430
Mortgage Payoff Account (cash) $130
Cushion $2270
HSA $8400
New Patio Door(cash) $370
September 2012 $1810
Emergency Fund $3025
New Car $5010 - Complete
Vacation - $2830 - Complete
Anniversary Cruise $870 - Complete
Total Regular Savings = $33,765.00

Retirement Savings:
Retirement Hold Account $1735
Roth IRA $5600
Rollover IRA $890
401K $19,000
403B $13,800 (est)
Total Retirement Savings = $41,025.00

Total Savings = $74,790.00
Up $2,050 from last month!! Pretty amazing considering we went on a 7 day cruise and a 4 day vacation to Nevada! YEAH!

OK please weigh in and let me know what you think.

We have met all of our goals for the year (see left side of screen). It shows the cushion still not met, but I put $10 a week towards that and only have about $40 left, so it will be met very soon.

So my question is now that we have met all of the goals for the year...Should we:

A) Set some new/additional goals
-Beefing up the EF
-Beefing up the new car fund
-Saving for specific home improvements (We NEED a new patio door, new garage door...we WANT to put in a sprinkler system...and our AC is on the fritz)

or

B) Since we've met all the goals for the year, put all extra funds to the mortgage, and use the existing savings for the above projects as needed. Then make new savings goals for 2013 and start saving again then.

The reason I want to even look at option B is because as many of you may know....there is ALWAYS something to save for! And now seemed like a good time to break from savings and make a dent in the mortgage since we surpassed the $20K challenge and are nearly to $25K (not counting retirement or our HSA).

Please let me know any thoughts you have as any extra input or suggestions would be appreciated.
Thank you!

Current Balance $24,785.00
+$12.30 Interest
+$17.70 Even Out Amount
New Balance $24,815.00

Bingo Money (cash) $1620.00
ING $21,850.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$345.00
HSBC $870.00
Total = $24,815.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

Well a week after we got back from the cruise we flew to Wendover, Nevada to go on a casino getaway with my aunt and uncle. Everyone did great on the slots. We had this great win of $1,071.30!! My husband also did really well on roulette and we ended up coming home up $1200! The money we took with was the money for May's mortgage payment that we didn't have to pay since we refinanced...so it was all extra money. So I saved $500 for this next weekend when FIL is in town, and have $2200 for savings!! I put $1400 in the EF to meet that goal for the year and the other $800 into Home Improvements as we are planning on getting a sprinkler system put in soon.



Current Balance $22,585.00
+$2,200.00 Casino Win
New Balance $24,785.00

Bingo Money (cash) $1620.00
ING $21,820.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$345.00
HSBC $870.00
Total = $24,785.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93