The GIANT credit card bill to pay for the new AC Unit is here. SAD!! We also had a little trip away with family watching Hopie and spent some money there. Man it is hard to see such a big chunk go!

Current Balance $26,270.00
+$25.00 FB Sales
+$5.00 Interest + Even Out Amount to Local Savings
+$150.00 MO Payday to Our Savings (9/11)
+$40.00 Phone Savings
-$9200.00 AC Mini Split
-$1000.00 Mini Vaca
Balance $16,290.00

Local Savings $3845.00
GC Savings $950.00
Capital 360 Savings (US) $4660.00
Capital 360 Savings (Mom Loan Payback Account)$4485.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $16,290.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

The GIANT credit card bill that has the new AC system on it is due in two weeks, so will be cutting savings down by close to half then. Socking away until then!

Current Balance $25,875.00
+$120.00 FB Sales
+$150.00 MO Payday to Our Savings (8/28)
+$50.00 My Payday to Our Savings (9/4)
+$75.00 My Payday to Mom Loan Savings (9/4)
Balance $26,270.00

Local Savings $4815.00
GC Savings $10,110.00
Capital 360 Savings (US) $4510.00
Capital 360 Savings (Mom Loan Payback Account)$4485.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $26,270.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

We finally got a repair company out to work on the roof for rental #2 which was damaged in a hail storm in 2019. They found additional repairs that were needed (gutters, etc.) and submitted for additional payout from the insurance. So we got a check for another $2672.39. Oddly this one was only made out to us (the previous check for $7K was made out to us and the mortgage company). So we just put this one in savings till the work is done. Hopefully within the next month or so.

Current Balance $23,000.00
+$35.00 FB Sales
+$50.00 My Payday to Our Savings (8/21)
+$75.00 My Payday to Mom Loan Savings (8/21)
+$40.00 Phone Savings
+$2,672.39 Insurance Check for roof on Rental #2
+$2.61 Even Out Amount
Balance $25,875.00

Local Savings $4695.00
GC Savings $10,110.00
Capital 360 Savings (US) $4310.00
Capital 360 Savings (Mom Loan Payback Account)$4410.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $25,875.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Current Balance $22,990.00
+$10.00 FB Sales
Balance $23,000.00

Local Savings $4660.00
GC Savings $7395.00
Capital 360 Savings (US) $4260.00
Capital 360 Savings (Mom Loan Payback Account)$4335.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $23,000.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Current Balance $22,055.00
+$500.00 Rental #2 Non-Refundable Pet Deposit
+$360.00 FB Sales
+$15.00 Mom Loan Interest and Even Out Amounts
+$60.00 Missed a deposit somewhere...lol
Balance $22,990.00

Local Savings $4650.00
GC Savings $7395.00
Capital 360 Savings (US) $4260.00
Capital 360 Savings (Mom Loan Payback Account)$4335.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $22,990.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Yikes I haven't updated savings in a month! We did get the bill for our new AC system ($9K, but will also get a bill for about $1K from the electrician), we put it on our Discover to get our Cash Back Rewards and will have to pay that mid September. For now I am relishing being at $22K! We took in our coin jar, it was so heavy I couldn't even lift it! That was a nice bonus of $360!

Current Balance $20,955.00
+$150.00 MO Payday to Our Savings (7/17)
+$50.00 My Payday to Our Savings (7/24)
+$75.00 My Payday to Mom Loan Savings (7/24)
+$150.00 MO Payday to Our Savings (7/31)
+$50.00 My Payday to Our Savings (8/7)
+$75.00 My Payday to Mom Loan Savings (8/7)
+$150.00 MO Payday to Our Savings (8/14)
+$40.00 Phone Savings
+$360.00 Coin Jar
Balance $22,055.00

Local Savings $4290.00
GC Savings $6855.00
Capital 360 Savings (US) $4240.00
Capital 360 Savings (Mom Loan Payback Account)$4320.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $22,055.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Trucking along.....

Current Balance $20,545.00
+$50.00 My Payday to Our Savings (7/10)
+$75.00 My Payday to Mom Loan Savings (7/10)
+$240.00 FB Sales
+$.54 Interest to GC Savings
+$4.46 Even Out Amount
+$40.00 Mortgage Savings
Balance $20,955.00

Local Savings $3930.00
GC Savings $6815.00
Capital 360 Savings (US) $3690.00
Capital 360 Savings (Mom Loan Payback Account)$4170.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,955.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

The new AC system (Mini Split) is in and it feels wonderful! We are all sleeping a lot better, especially baby! I can also carry or wear baby around the house without worrying about being covered in sweat. It is definitely worth the cost. We have not gotten the bill yet, but expect it soon.

We recently paid off the Store Loan (see Debt Update posts) and we were moving the $100 per paycheck that was paid on that to go towards lowering the balance on Rental Mortgage #1, but since we are taking a huge hit to savings, we decided it would be best for now to funnel that money to savings instead until we are back to a better total. So now every MO Payday we will have an auto deposit of $150 instead of $50. Once we are back up to $15K or so we can move it back towards debt payoff instead.


Current Balance $20,395.00
+$150.00 MO Payday
Balance $20,545.00

Local Savings $3690.00
GC Savings $6770.00
Capital 360 Savings (US) $3640.00
Capital 360 Savings (Mom Loan Payback Account)$4095.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,545.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

I'm caught up now on FB Sales and on $20K Updates...now I just need to get my debt updates back on track!

Current Balance $20,230.00
+$165.00 FB Sales
Balance $20,395.00

Local Savings $3690.00
GC Savings $6770.00
Capital 360 Savings (US) $3490.00
Capital 360 Savings (Mom Loan Payback Account)$4095.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,395.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

HUGE BOOST to savings!! The casinos finally reopened here and MO took a little guys trip with his Dad and Bro and came home up $1000! So exciting! We also received the payouts from our Hospital Indemnity Plans for both me and Hope. We used mine to pay medical bills and fill in for the reduced pay while I was on maternity leave. We are able to put all of Hope's into savings for now.

We are getting a new air conditioning system for our house this week, that bill will be huge (we are estimating $10K (BOOOO!!!). Unfortunately with the newborn we can't continue in this heat, and need a permanent solution. Our house is large (4000 sq ft) and was built in the 70s. We are getting a mini split (the house has baseboard heating, so no duct work to be able to put in central air) and this should increase the value of our home as well. So the $20K milestone will be short lived and sadly we are going to go waaaaay down, but so thankful we are able to make this much needed improvement to our home using savings and without having to take on any new debt!

Current Balance $16,270.00
+$50.00 MO Payday to Our Savings (6/19)
+$50.00 My Payday to Our Savings (6/26)
+$75.00 My Payday to Mom Loan Savings (6/26)
+$30.00 Phone Savings
+$1000.00 MO Casino Win
+$2600.00 Hospital Indemnity Plan Payout
+$155.00 FB Sales
Balance $20,230.00

Local Savings $3525.00
GC Savings $6770.00
Capital 360 Savings (US) $3490.00
Capital 360 Savings (Mom Loan Payback Account)$4095.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,230.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Been so busy, but trying to keep up on tracking savings!

Current Balance $15,965.00
+$75.00 My Payday to Mom Loan Savings (5/29)
+$50.00 MO Payday to Our Savings (6/5)
+$50.00 My Payday to Our Savings (6/12)
+$75.00 My Payday to Mom Loan Savings (6/12)
+$40.00 Phone Savings
+$10.00 Interest and Even Out Amounts to Mom Loan Savings
+$5.00 Interest and Even Out Amounts to Our Savings
Balance $16,270.00

Local Savings $2370.00
GC Savings $4140.00
Capital 360 Savings (US) $3390.00
Capital 360 Savings (Mom Loan Payback Account)$4020.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $16,270.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Current Balance $15,610.00
+$60.00 Property Management Hours
+$215.00 FB Sales
+$50.00 MO Payday to Our Savings (5/22)
+$30.00 Phone Savings
Balance $15,965.00

Local Savings $2370.00
GC Savings $4100.00
Capital 360 Savings (US) $3285.00
Capital 360 Savings (Mom Loan Payback Account)$3860.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,965.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hand)

Current Balance $15,355.00
+$13.31 Rakuten Rebate
+$116.69 FB Sales
+$50.00 My Payday to Our Savings (5/15)
+$75.00 My Payday to Mom Loan Savings (5/15)
Balance $15,610.00

Local Savings $2095.00
GC Savings $4070.00
Capital 360 Savings (US) $3235.00
Capital 360 Savings (Mom Loan Payback Account)$3860.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,610.00

52 Week Challenge
2020 Total = $0 (We are paid through May, not sure what the amount is off hang)

I am so far behind! I still need to log a few weeks of FB sales and do my Debt Update but wanted to at least update savings before it got too far behind to update. Regular auto deposits really adding up! Hopefully I can do my FB Sales in the next few days, I should have at least a few hundred to add to the pot! Working on getting out spring and summer items for sale now.


Current Balance $15,040.00
+$50.00 MO Payday to Our Savings (4/24)
+$50.00 My Payday to Our Savings (5/1)
+$75.00 My Payday to Mom Loan Savings (5/1)
+$50.00 MO Payday to Our Savings (5/8)
+$11.93 Reimbursement from cancelled cable bill
+$8.07 Even Out Amount
+$30.00 Phone Savings
+$40.00 Mortgage Savings
Balance $15,355.00

Local Savings $1965.00
GC Savings $4070.00
Capital 360 Savings (US) $3185.00
Capital 360 Savings (Mom Loan Payback Account)$3785.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,355.00

52 Week Challenge
2020 Total = $0

We had to pay $700 to fill our propane tank yesterday so I may have to take out of savings for that, but for the moment we are back up to $15K!

Current Balance $14,890.00
+$150.00 FB Sales
Balance $15,040.00

Local Savings $1945.00
GC Savings $4000.00
Capital 360 Savings (US) $3035.00
Capital 360 Savings (Mom Loan Payback Account)$3710.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,040.00

52 Week Challenge
2020 Total = $0

Current Balance $14,720.00
+$45.00 To get GC Savings to $4000.00
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
Balance $14,890.00

Local Savings $1795.00
GC Savings $4000.00
Capital 360 Savings (US) $3035.00
Capital 360 Savings (Mom Loan Payback Account)$3710.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,890.00

52 Week Challenge
2020 Total = $0

We received our stimulus payment today, we thought we would be getting $1200 each, for a total of $2400.00 The actual payment was $2189. Can anyone shed any light on why the difference in the amount?

Either way we are super happy for any bonus money in our lives! I moved it over to savings this morning. We also had some medical bills to pay out and we painted one of our extra bedrooms.

Getting close to $15K!

Current Balance $13,020.00
+$2200 Stimulus Payment
-$100.00 Painting Bedroom
-$400.00 Medical Bills
Balance $14,720.00

Local Savings $1795.00
GC Savings $3955.00
Capital 360 Savings (US) $2985.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,720.00

52 Week Challenge
2020 Total = $0

I checked our checking account today and the Stimulus Payment is pending. It is a little over $2000 for us, so that is exciting! For now the money will go into savings, most likely to be used for medical bills as our HSA is down to only $500 now. For now our savings have passed $13K! Once the Stimulus money shows available I will get it moved over to savings and updated in our total.

Current Balance $12,890.00
+$40.00 Mortgage Savings
+$40.00 FB Sales
+$50.00 My Payday to Our Savings (4/10)
Balance $13,020.00

Local Savings $1795.00
GC Savings $1755.00
Capital 360 Savings (US) $3485.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $13,020.00

52 Week Challenge
2020 Total = $0

Current Balance $12,670.00
+.38 GC Interest
+$4.63 Even Out Amount
+$90.00 FB Sales
+$50.00 My Payday to Our Savings (4/3)
+$75.00 My Payday to Mom Loan Savings (4/3)
Balance $12,890.00

Local Savings $1755.00
GC Savings $1715.00
Capital 360 Savings (US) $3435.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,890.00

52 Week Challenge
2020 Total = $0

Current Balance $12,590.00
+$30.00 FB Sales
+$50.00 MO Payday to Our Savings (3/27)
Balance $12,670.00

Local Savings $1665.00
GC Savings $1710.00
Capital 360 Savings (US) $3385.00
Capital 360 Savings (Mom Loan Payback Account)$3560.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,670.00

52 Week Challenge
2020 Total = $0

I got a nice little bonus at work and threw it into savings.

Current Balance $11,550.00
+$10.00 FB Sales
+$30.00 Phone Savings
+$1000.00 Work Bonus
Balance $12,590.00

Local Savings $1635.00
GC Savings $1710.00
Capital 360 Savings (US) $3335.00
Capital 360 Savings (Mom Loan Payback Account)$3560.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,590.00

52 Week Challenge
2020 Total = $0

Not much of a change. Staying home, cleaning, organizing and getting sales stuff done!

Current Balance $11,365.00
+$10.00 FB Sales
+$50.00 MO Payday to Our Savings (3/13)
+$50.00 My Payday to Our Savings (3/20)
+$75.00 My Payday to Mom Loan Savings (3/20)
Balance $11,550.00

Local Savings $1625.00
GC Savings $680.00
Capital 360 Savings (US) $3335.00
Capital 360 Savings (Mom Loan Payback Account)$3560.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $11,550.00

52 Week Challenge
2020 Total = $0

Nice little update of $300!

Current Balance $11,065.00
+$135.00 FB Sales
+$50.00 My Payday to Our Savings (3/6)
+$75.00 My Payday to Mom Loan Savings (3/6)
+$40.00 Mortgage Savings
Balance $11,365.00

Local Savings $1615.00
GC Savings $680.00
Capital 360 Savings (US) $3235.00
Capital 360 Savings (Mom Loan Payback Account)$3485.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $11,365.00

52 Week Challenge
2020 Total = $0

Added in FB Sales and got back over $11K! We did receive our tax return, which was a little over $1000, but I want to hold onto that until we get rent from one of our renters as they have been late the last few months in a row.

Current Balance $10,770.00
+$245.00 FB Sales
+$50.00 MO Payday to Our Savings (2/28)
Balance $11,065.00

Local Savings $1480.00
GC Savings $640.00
Capital 360 Savings (US) $3185.00
Capital 360 Savings (Mom Loan Payback Account)$3410.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $11,065.00

52 Week Challenge
2020 Total = $0

A little boost! We had to pay $300 to get our propane filled and also $1000 for medical bills, but luckily we had a few nice winning trips to the casino and were able to cover those bills without taking out of savings!

Current Balance $10,535.00
+$80.00 FB Sales
+$50.00 My Payday to Our Savings (2/21)
+$75.00 My Payday to Mom Loan Savings (2/21)
+$30.00 Cell Phone Savings
Balance $10,770.00

Local Savings $1235.00
GC Savings $640.00
Capital 360 Savings (US) $3135.00
Capital 360 Savings (Mom Loan Payback Account)$3410.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $10,770.00

52 Week Challenge
2020 Total = $0

Taxes are done and filed. We will only be getting about $1000 back, but it's something!

Here is a little boost to savings. We also need to get started on the 52 Week Challenge for this year!

Current Balance $10,375.00
+$110.00 FB Sales
+$50.00 MO Payday to Our Savings (2/14)
Balance $10,535.00

Local Savings $1155.00
GC Savings $610.00
Capital 360 Savings (US) $3085.00
Capital 360 Savings (Mom Loan Payback Account)$3335.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $10,535.00

52 Week Challenge
2020 Total = $0

A little boost up so that feels good! We started on our taxes last night, since we had both of our rentals full all of 2019 and we didn't have nearly as much in repair/improvement expenses as in prior years, we may not get much of a refund. I know that is good because then we aren't giving the IRS an interest free loan all year....but it would be nice to get a big boost to savings right now! We are only about half way done with the taxes, hoping after we enter our medical expenses things will look better on the refund side.

Current Balance $10,135.00
+$25.00 FB Sales
+$50.00 MO Payday to Our Savings (1/31)
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings (1/31)
+$40.00 Mortgage Savings
Balance $10,375.00

Local Savings $1045.00
GC Savings $610.00
Capital 360 Savings (US) $3035.00
Capital 360 Savings (Mom Loan Payback Account)$3335.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $10,375.00

52 Week Challenge
2020 Total = $0

We had to pay the property taxes on our two rentals (our house is escrowed, the two rental properties are not). YIKES! I really don't like being down this low in savings! Hoping to get our taxes files by the end of the month and that will help replenish.

Current Balance $13,765.00
-$1330.00 Rental #1 Property Taxes
-$2300.00 Rental #2 Property Taxes
Balance $10,135.00

Local Savings $1020.00
GC Savings $570.00
Capital 360 Savings (US) $2935.00
Capital 360 Savings (Mom Loan Payback Account)$3260.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $10,135.00

52 Week Challenge
2020 Total = $0

We went down a chunk due to vacation. But we had a great time and it was a much needed break from the cold!

Current Balance $17,475.00
+$50.00 FB Sales
+$30.00 Phone Savings
+$50.00 My Payday to Our Savings (1/24)
+$75.00 My Payday to Mom Loan Savings (1/24)
+$6.82 Cap360 Interest
+$8.18 Even Out Amount
-$3770.00 Laughlin Trip
-$180.00 House Cleaning
Balance $13,765.00

Local Savings $4650.00
GC Savings $570.00
Capital 360 Savings (US) $2935.00
Capital 360 Savings (Mom Loan Payback Account)$3260.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $13,765.00

52 Week Challenge
2020 Total = $0

Added in FB Sales and some interest. Heading to vacation at the end of the week in Laughlin so will be taking out for that, but very happy with where we are at right now!

Current Balance $17,230.00
+$175.00 FB Sales
+$50.00 MO Payday (1/17)
+$11.59 Interest to Local Savings
+$8.41 Even Out Amount
Balance $17,475.00

Local Savings $8550.00
GC Savings $540.00
Capital 360 Savings (US) $2855.00
Capital 360 Savings (Mom Loan Payback Account)$3180.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $17,475.00

52 Week Challenge
2020 Total = $0