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$20K Update

April 17th, 2017 at 06:07 pm

Here is the last update before Vegas Vaca and savings will (presumably) go down. Fingers crossed maybe we will get lucky and bring home a big winner! Either way I am so excited to go and have fun! This year has been a lot of extra hours at work and the rentals and I am so excited for some time off!!

Current Balance $18,335.00
+$85.00 FB Sales
Balance $18,420.00

Local Savings $9800.00
GC Savings $3425.00
Capital 360 Savings (US) $2440.00
Capital 360 Savings (Mom Loan Payback Account)$1495.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $18,420.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update

April 13th, 2017 at 09:15 pm

Current Balance $18,285.00
+$50.00 MO Payday to Our Savings (4/14)
Balance $18,335.00

Local Savings $9715.00
GC Savings $3425.00
Capital 360 Savings (US) $2440.00
Capital 360 Savings (Mom Loan Payback Account)$1495.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $18,335.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update

April 10th, 2017 at 03:28 pm

Current Balance $18,220.00
+$55.00 FB Sales
+$10.00 Mortgage Savings
Balance $18,285.00

Local Savings $9715.00
GC Savings $3425.00
Capital 360 Savings (US) $2390.00
Capital 360 Savings (Mom Loan Payback Account)$1495.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $18,285.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update - Great Update!!! Passed $18K!

April 5th, 2017 at 06:47 pm

Yes!! A great update! MO got his bonus, a lot of it was used to pay catch-up from overspending, but still able to put $500 in savings, plus we are looking good in checking.

My cousin came and looked at Rental #2, he is very interested and wants to see if his camper will fit on the parking pad next to the house. Sounds like as long as that works out he will want to move in! Fingers crossed!

Current Balance $16,515.00
+$50.00 My Payday to Our Savings (4/7)
+$75.00 My Payday to Mom Loan Savings (4/7)
+$65.00 FB Sales
+$600.00 Rental #2
+$400.00 Basement Rent
+$500.00 MO Bonus
+.12 GC Savings Interest
+$4.88 Even Out Amount
+.84 Mom Loan Interest
+$4.16 Even Out Amount
+$1.38 Our Savings Interest
+$3.62 Even Out Amount
Balance $18,220.00

Local Savings $9660.00
GC Savings $3415.00
Capital 360 Savings (US) $2390.00
Capital 360 Savings (Mom Loan Payback Account)$1495.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $18,220.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update - Renters Moving Out

March 31st, 2017 at 05:08 pm

Well my renters in Rental #2 gave their 30 day notice yesterday. That is good news and bad news. It is bad news because it is never fun to have someone move out, have to get the place cleaned up again, and find new renters. Good news is that the renters that were living there were a friend of MO's, and also Mo's brother. Since it was family we were renting the place for less then we could get in the market $1200...so now we can list it for more! I put it up on my FB page last night for $1500 and already have a few bites. Most promising is my 1st cousin and his GF. I also would be fine lowering the rent for them to $1300, still $100 more then we were getting, and someone I trust in my house. They are coming to look at the place tomorrow, hopefully that will work out! Smile

Current Balance $16,465.00
+$50.00 MO Payday to Our Savings
Balance $16,515.00

Local Savings $8595.00
GC Savings $2910.00
Capital 360 Savings (US) $2335.00
Capital 360 Savings (Mom Loan Payback Account)$1415.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $16,515.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update

March 27th, 2017 at 02:34 pm

Hoping MO's bonus at work is on this paycheck on Friday. We have been majorly and stupidly overspending.....so some of it will have to go towards replenishing the checking account, hopefully the rest can go into savings and get us over the $17K mark!

Current Balance $16,410.00
+$55.00 FB Sales
Balance $16,465.00

Local Savings $8595.00
GC Savings $2910.00
Capital 360 Savings (US) $2285.00
Capital 360 Savings (Mom Loan Payback Account)$1415.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $16,465.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update - Payday

March 24th, 2017 at 05:05 pm

Current Balance $16,285.00
+$50.00 My Payday to Our Savings (3/24)
+$75.00 My Payday to Mom Loan Savings (3/24)
Balance $16,410.00

Local Savings $8540.00
GC Savings $2910.00
Capital 360 Savings (US) $2285.00
Capital 360 Savings (Mom Loan Payback Account)$1415.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $16,410.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update

March 20th, 2017 at 04:06 pm

Just a little update. Right now we are overspending and just trying to hold onto the $16K. Won't be making any big deposits for sometime unless MO gets his bonus (hopefully on his next payday which is next Friday).

Current Balance $16,185.00
+$50.00 MO Payday to Our Savings (3/17)
+$50.00 FB Sales
Balance $16,285.00

Local Savings $8540.00
GC Savings $2910.00
Capital 360 Savings (US) $2235.00
Capital 360 Savings (Mom Loan Payback Account)$1340.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $16,285.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update - Passed $16K!

March 13th, 2017 at 03:25 pm

Back from the casino weekend and able to put almost all of the 2016 Weekly Challenge money into savings! Probably won't be putting much into savings for a bit as our CC bill for the month is very high already, and my car is currently in the shop for several repairs/maintenance. So happy to be up to $16K!!!!!

Current Balance $14,720.00
+$10.00 Bud Light Rebate
+$100.00 Brother paid back
+$55.00 FB Sales
+$1300.00 2016 Week Challenge Pot
Balance $16,185.00

Local Savings $8490.00
GC Savings $2910.00
Capital 360 Savings (US) $2185.00
Capital 360 Savings (Mom Loan Payback Account)$1340.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $16,185.00

52 Week Challenge
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Challenge - New auto deposit!

March 10th, 2017 at 04:15 pm

Our home mortgage monthly payment changed from $1681.80 to $1672.89, a difference of $8.91 per month. Rather then forget about that $8.91 savings per month, I have set up a new automatic deposit for the same date that we pay our mortgage, to pull $10 from checking to savings! That's an extra $120 in savings with no changes to our cash flow! Smile

Tomorrow we are going to go on a mini casino vaca with our 2016 Weekly Challenge Money. Whatever we bring home we will move to our normal savings accounts. It will be a nice little time away and hopefully we can bring home a good chunk for savings and pass $15K!

Current Balance $14,585.00
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
+$10.00 Mortgage Payment Savings
Balance $14,720.00

Local Savings $7025.00
GC Savings $2910.00
Capital 360 Savings (US) $2185.00
Capital 360 Savings (Mom Loan Payback Account)$1340.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $14,720.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update

March 6th, 2017 at 05:34 pm

Just a little bump in the right direction. Wink

Current Balance $14,550.00
+$25.00 FB Sales
+$1.79 Cap360 Interest
+$8.21 Even Out Amount
Balance $14,585.00

Local Savings $7025.00
GC Savings $2900.00
Capital 360 Savings (US) $2135.00
Capital 360 Savings (Mom Loan Payback Account)$1265.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $14,585.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

Oh My!!!! Coaching Pay - Huge Boost to Savings!

March 1st, 2017 at 05:54 pm

Yeah!!!!!!! MO got his coaching pay today! We weren't expecting it so soon, so this is very exciting!!! His pay was $2558, he kept $158 for fun money and the rest we put into savings. Smile

I also got a 3% raise today that will be effective next month! Happy Day!!!

Up to $14K now, and continue cruising!!

Current Balance $12,100.00
+$50.00 MO Payday to Our Savings (3/3/17)
+$2400.00 Bball Coaching Pay
Balance $14,550.00

Local Savings $7000.00
GC Savings $2900.00
Capital 360 Savings (US) $2130.00
Capital 360 Savings (Mom Loan Payback Account)$1260.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $14,550.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update - Passed $12K!!!!!

February 27th, 2017 at 08:36 pm

Yes!!! Passed $12K!

Current Balance $11,600.00
+$100.00 FB Sales
+$400.00 Rent from basement dweller
Balance $12,100.00

Local Savings $4600.00
GC Savings $2900.00
Capital 360 Savings (US) $2080.00
Capital 360 Savings (Mom Loan Payback Account)$1260.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $12,100.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $508.00(We have paid weeks 1-20 and 46-52)

$20K Update

February 26th, 2017 at 12:03 am

One of the renters in the rental that we are the Property Managers at moved out, so MO logged a lot of hours this month with cleaning/repairs, nice extra boost to savings!

Local savings passed the $4K mark!

Current Balance $11,205.00
+$240.00 Property Management Pay
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
+$25.00 Missed Deposit
+$5.00 Even Out Amount
Balance $11,600.00

Local Savings $4100.00
GC Savings $2900.00
Capital 360 Savings (US) $2080.00
Capital 360 Savings (Mom Loan Payback Account)$1260.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $11,600.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

February 20th, 2017 at 10:15 pm

Whoohoo our US Savings passed over $2K! Movin on up!

Current Balance $11,100.00
+$5.00 Basketball Reimbursement
+$50.00 MO Payday to Our Savings
+$50.00 FB Sales
Balance $11,205.00

Local Savings $3830.00
GC Savings $2900.00
Capital 360 Savings (US) $2030.00
Capital 360 Savings (Mom Loan Payback Account)$1185.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $11,205.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

February 13th, 2017 at 04:39 pm

I did the bracketing for an arm wrestling tournament this weekend and was paid $50 for that, plus added in my FB sales. We are on a roll with savings right now, when we get rent for March we will be able to pass $12K!

Also I checked our checking account today and I see our Fed Tax Refund is pending for deposit, yeah!! That is pretty much all going to pay property taxes, but happy it is coming through so quickly so that we can get that squared away.


Current Balance $11,000.00
+$50.00 Armwrestling Bracketing
+$50.00 FB Sales
Balance $11,100.00

Local Savings $3775.00
GC Savings $2900.00
Capital 360 Savings (US) $1980.00
Capital 360 Savings (Mom Loan Payback Account)$1185.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $11,100.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update - $11K!!!!

February 10th, 2017 at 03:40 pm

Yes we made it to $11K!! Happy Friday everyone!!

Current Balance $10,840.00
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
+$1.74 Cap360 Interest
+$8.26 Cap360 Even Out
+$25.00 To get to $11K!!!
Balance $11,000.00

Local Savings $3675.00
GC Savings $2900.00
Capital 360 Savings (US) $1980.00
Capital 360 Savings (Mom Loan Payback Account)$1185.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $11,000.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

February 6th, 2017 at 05:42 pm

I won $60 in Super Bowl Squares! Unfortunately between me and MO that did not get us back to even (I think we put in $85 total) but since I already consider it spent I am putting the $60 won into savings. So close to $11K!

Current Balance $10,700.00
+$80.00 FB Sales
+$60.00 Super Bowl Squares
Balance $10,840.00

Local Savings $3675.00
GC Savings $2875.00
Capital 360 Savings (US) $1925.00
Capital 360 Savings (Mom Loan Payback Account)$1105.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $10,840.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

February 3rd, 2017 at 08:49 pm

Current Balance $10,570.00
+$80.00 Property Management Work
+$50.00 MO Payday to Our Savings
Balance $10,700.00

Local Savings $3535.00
GC Savings $2875.00
Capital 360 Savings (US) $1925.00
Capital 360 Savings (Mom Loan Payback Account)$1105.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $10,700.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

January 30th, 2017 at 09:29 pm

Current Balance $10,400.00
+$45.00 FB Sales
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
Balance $10,570.00

Local Savings $3455.00
GC Savings $2875.00
Capital 360 Savings (US) $1875.00
Capital 360 Savings (Mom Loan Payback Account)$1105.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $10,570.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

January 23rd, 2017 at 08:00 pm

Current Balance $10,250.00
+$110.00 FB Sales
+$40.00 Extra Cash at home
Balance $10,400.00

Local Savings $3410.00
GC Savings $2875.00
Capital 360 Savings (US) $1825.00
Capital 360 Savings (Mom Loan Payback Account)$1030.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $10,400.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

January 18th, 2017 at 11:40 pm

Current Balance $10,000.00
+$190.00 FB Sales
+$10.00 Even Out Amount
+$50.00 MO Payday to Our Savings (1/20)
Balance $10,250.00

Local Savings $3260.00
GC Savings $2875.00
Capital 360 Savings (US) $1825.00
Capital 360 Savings (Mom Loan Payback Account)$1030.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $10,250.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update - $10K!! Half way there!!

January 12th, 2017 at 10:02 pm

Well I added up this $20K Update and we were $45 away from $10K!! So of course I had to throw an extra $45 in there! Very exciting day!!!!!


Current Balance $9,530.00
+$100.00 FB Sales
+$200.00 FB High Limit Pull Winnings
+$50.00 My Payday to Our Savings (1/13)
+$75.00 My Payday to Mom Loan Savings (1/13)
+$45.00 To get to $10,000!!!!
Balance $10,000.00

Local Savings $3060.00
GC Savings $2875.00
Capital 360 Savings (US) $1775.00
Capital 360 Savings (Mom Loan Payback Account)$1030.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $10,000.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update - $9K!!

January 6th, 2017 at 09:33 pm

Whoo hoo we cruised past $9K and well on our way to $10K! Plus we have already paid several big weeks for the 2017 Weekly Challenge!

Current Balance $8,315.00
+$400.00 January Roommate Rent
+$600.00 January Tenant Rent
+$45.00 FB Sales
+.09 GC Interest
+$4.91 Even Out Amount
+$1.51 Cap360 Interest
+$8.49 Even Out Amount
+$2.93 Local Savings Interest
+$2.07 Even Out Amount
+$50.00 My Payday to Our Savings (12/30)
+$50.00 My Payday to Mom Loan Savings (12/30)
+$50.00 MO Payday to Our Savings (1/6)
Balance $9,530.00

Local Savings $2960.00
GC Savings $2630.00
Capital 360 Savings (US) $1725.00
Capital 360 Savings (Mom Loan Payback Account)$955.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $9,530.00

52 Week Challenge
2016 Total = $1378.00
2017 Total = $286.00(We have paid weeks 1-8 and 48-52)

$20K Update

December 21st, 2016 at 10:07 pm

Current Balance $8,140.00
+$125.00 FB Sales
+$50.00 MO Payday to Our Savings (12/23)
Balance $8,315.00

Local Savings $2510.00
GC Savings $2025.00
Capital 360 Savings (US) $1620.00
Capital 360 Savings (Mom Loan Payback Account)$900.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $8,315.00

52 Week Challenge 2016
Week 52 Total = $1378.00

$20K Update - Passed $8K and OT is paying off!

December 17th, 2016 at 06:20 pm

I have been working about 15hrs a week OT every week since October, and while we haven't been putting much extra INTO savings, we have been able to pay for some big bills that we normally would have to take out of savings for. We had a $2500 bill for our home insurance for our 2 rental properties. The bill was due in early November, so we paid it on our Discover Card to earn Cashback Rewards, a month later the bill is due, and with all my OT pay we are actually able to cover it without taking anything out of savings!!! This is a huge win!! We should also be able to cover all of Christmas as well as a big order of staples we need (TP, papertowels, dogfood, etc.).

We already got an email that OT will continue in abundance through January and there will be even more hrs available. Not sure how many more I could do without getting burned out, but as long as it is being offered I will be doing my best to make some extra $$$!


Current Balance $7,940.00
+$50.00 FB Sales
+$50.00 MO Payday to Our Savings (12/9)
+$50.00 My Payday to Our Savings (12/16)
+$50.00 My Payday to Mom Loan Savings (12/16)
Balance $8,140.00

Local Savings $2385.00
GC Savings $2025.00
Capital 360 Savings (US) $1570.00
Capital 360 Savings (Mom Loan Payback Account)$900.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $8,140.00

52 Week Challenge 2016
Week 52 Total = $1378.00

$20K Update

December 6th, 2016 at 12:24 am

Current Balance $7,840.00
+$100.00 FB Sales
Balance $7,940.00

Local Savings $2335.00
GC Savings $2025.00
Capital 360 Savings (US) $1470.00
Capital 360 Savings (Mom Loan Payback Account)$850.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $7,940.00

52 Week Challenge 2016
Week 52 Total = $1378.00

$20K Challenge

December 2nd, 2016 at 12:45 am

I forgot to do the even out amount for interest in October! Some nice steps in the right direction here for savings. Since we have no vaca or casino trips planned for the next 4 months I am hoping we can make some serious strides in savings! We have to pay the $2500 for our home insurance for our 2 rental properties in the next 3 weeks, I am hoping between my OT pay and the rent overage for December, ($1000, which I will not be putting into savings) we won't have to take too terrible much out of savings. But any amount less then $2500 is a win!

Still no plans for what to do with the 2016 52 week challenge money. Just holding on to it for now and getting ready to start 2017!

Current Balance $7,425.00
+$184.00 Property Management Pay
+$16.00 Even Out Amount
+$50.00 My Payday to Mom Loan Savings (11/18)
+$50.00 MO Payday to Our Savings (11/25)
+$50.00 My Payday to Our Savings (12/2)
+$50.00 My Payday to Mom Loan Savings (12/2)
+.39 and .68 October Interest for Cap360
+.46 and .80 November Interest for Cap360
+$7.67 Even Out Deposits for Cap360
+$5.00 Cumulative Interest on Rental Deposit Account
Balance $7,840.00

Local Savings $2235.00
GC Savings $2025.00
Capital 360 Savings (US) $1470.00
Capital 360 Savings (Mom Loan Payback Account)$850.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $7,840.00

52 Week Challenge 2016
Week 52 Total = $1378.00

$20K Update

November 14th, 2016 at 05:04 pm

We took another trip to Vegas at the beginning of Nov and our luck finally ran out! We didn't come home ahead this time but still had a lot of fun. We also secured Diamond status on our Players Card so will have the free flights, food, hotel rooms, etc. for 2017 as well as our resort fees waived. MO started coaching basketball today, so we wont have any more casino or vaca until March.

We unpacked the last 10 boxes or so from our move last Sept.  So now we are completely 100% unpacked, no more misc boxes of junk!

Still working lots of OT and between that and getting cleaning done for hosting Thanksgiving next week I am staying very busy.

Current Balance $9,025.00
-$2050.00 Vegas
+$50.00 MO Payday to Our Savings (10/31)
+$50.00 My Payday to Our Savings (11/4)
+$50.00 My Payday to Mom Loan Savings (11/4)
+$50.00 MO Payday to Our Savings (11/11)
+$250.00 Mowing at the cabin
Balance $7,425.00

Local Savings $2035.00
GC Savings $2025.00
Capital 360 Savings (US) $1365.00
Capital 360 Savings (Mom Loan Payback Account)$745.00
Capital 360 Savings (Rental Deposit Account) $1255.00
Total Savings = $7,425.00

52 Week Challenge
Week 52 Total = $1378.00

$20K Update - $9K!

October 31st, 2016 at 03:17 pm

Current Balance $8,995.00
+$30.00 FB Sales
Balance $9,025.00

Local Savings $3835.00
GC Savings $2025.00
Capital 360 Savings (US) $1215.00
Capital 360 Savings (Mom Loan Payback Account)$695.00
Capital 360 Savings (Rental Deposit Account) $1255.00 Total Savings = $9,025.00

52 Week Challenge
Week 52 Total = $1378.00


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