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)

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)

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)

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)

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!

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)

Just a little bump in the right direction.

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)

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.

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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

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

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

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

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

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

We are $8,995.00! Normally I would definitely put in $5 more to get to the next $1000 mark, but I have a little pile of FB sales money I need to log and deposit so I know that will get us over $9K and I should be able to get that deposit ready tomorrow!


Current Balance $8,865.00
+$50.00 MO Payday to Our Savings
+$80.00 FB Sales
Balance $8,995.00

Local Savings $3805.00
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 = $8,995.00

52 Week Challenge
Week 52 Total = $1378.00

Lots of little snowflakes coming into savings this week! Hoping to be at $10K by the end of the year!


Current Balance $8,565.00
+$50.00 My Payday to Our Savings
+$50.00 My Payday to Mom Loan Savings
+$38.20 Vikings Game Bet from Vegas
+$1.80 Even Out Amount
+$122.27 Patronage Dividend Check
+$2.73 Even Out Amount
+$30.00 Freeplay Win from Sept I forgot to add in
+$5.00 Even Out to GC
Balance $8,865.00

Local Savings $3725.00
GC Savings $2025.00
Capital 360 Savings (US) $1165.00
Capital 360 Savings (Mom Loan Payback Account)$695.00
Capital 360 Savings (Rental Deposit Account) $1255.00 Total Savings = $8,865.00

52 Week Challenge
Week 52 Total = $1378.00

We had this amazing win on Saturday night at the casino! We came home for the evening up $640! I gave $40 to MO for fun money and put the rest in savings.



Each of the little lanterns is a credit amount I won, and the denomination I was playing was nickels, so for example the first lantern in the left upper corner says 50 so that paid me $2.50 (50 credit x .05 cents)so each of the lanterns would get taken by .05 to show how much I won. If you add up all the lanterns with denominations it equals $16.25. Then the one that says Mini won me $50.00. The total on the top of the screen is the denomination lanterns plus the Mini lantern ($16.25 + $50.00 = $66.25). Then the Major Jackpot Lantern paid me $966.90!!! You can see down on the bottom right hand it says I won 20,663 nickels = $1033.15!!!!! So exciting! I only put $60 in this game!

Also every time we gamble on anything (casino, Bingo, sports pools, pull tabs, etc.) I always mark it down whether we won or loss, and how much, to make sure we aren't spending too much on gambling. With this win we are now ahead for the year of 2016 by $390!! That is pretty awesome for 2 people who love to gamble and whose main/preferred entertainment is going to the casino! Plus that includes 2 trips to Vegas this year and also 2 other trips out of state as well! Love getting paid to have fun!!


Current Balance $7,965.00
+$600.00 Casino Win!!!
Balance $8,565.00

Local Savings $3530.00
GC Savings $2020.00
Capital 360 Savings (US) $1115.00
Capital 360 Savings (Mom Loan Payback Account)$645.00
Capital 360 Savings (Rental Deposit Account) $1255.00 Total Savings = $8,565.00


52 Week Challenge
Week 52 Total = $1378.00

We received a $500 heating repair bill from last October when we bought our house! Can you believe that! We live in a small community and nearly all of the repair places of any kind are home based businesses....apparently the heating repair person accidentally stuck our invoice in the back of their log book and forgot about it....so we just got it now...ugh. On the plus side we got a year no interest on the bill.....just stinks to get an unexpected bill. On the same note, we replaced an AC unit in my old house, Rental #2, in August 2015 and we still haven't gotten the bill for that either.

Should be back over $8K next week.

Current Balance $8,370.00
+$50.00 MO Payday to Our Savings
+$.83 Cap 360 Interest
+$9.17 Even Out Amount
+$35.00 Extra Deposit to Mom Loan Savings
-$500.00 Heating bill from 2015
Balance $7,965.00

Local Savings $2930.00
GC Savings $2020.00
Capital 360 Savings (US) $1115.00
Capital 360 Savings (Mom Loan Payback Account)$645.00
Capital 360 Savings (Rental Deposit Account) $1255.00 Total Savings = $7,965.00

Also we are done with the 52 Week Challenge!! Unsure of our plans yet for this money.

52 Week Challenge
Week 52 Total = $1378.00

We made $223.00 when my Mom opened the rummage sale while we were out of town in Vegas 2 weeks ago. Got that money today and added it to savings!

Current Balance $8,145.00
+$225.00 2nd Weekend of rummage sale
Balance $8,370.00

Local Savings $2930.00
GC Savings $2520.00
Capital 360 Savings (US) $1060.00
Capital 360 Savings (Mom Loan Payback Account)$605.00
Capital 360 Savings (Rental Deposit Account) $1255.00
Total Savings = $8,370.00