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