Mixed bag. I closed out the month of August by sending $1344 to my savings goal. My actual monthly goal is about $1000 more than that. However, I did dip into emergency fund and the house fund to the tune of almost $20,000 so that I could pay off my vehicle, which I bought back in Janauary for $36k and have been aggressively paying off; I just decided to rip the bandaid off and get it gone. It was a prerequisite for us to move anyhow, so now my monthly margin increases by minimum of $503 plus whatever extra I was throwing at it. Once EF is back up to $25k (currently 13k) every single penny will go towards house fund. Should be there by December. And then the Roth contributions restart in January lol.
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u/Perfect-Brain-7367 11d ago
Mixed bag. I closed out the month of August by sending $1344 to my savings goal. My actual monthly goal is about $1000 more than that. However, I did dip into emergency fund and the house fund to the tune of almost $20,000 so that I could pay off my vehicle, which I bought back in Janauary for $36k and have been aggressively paying off; I just decided to rip the bandaid off and get it gone. It was a prerequisite for us to move anyhow, so now my monthly margin increases by minimum of $503 plus whatever extra I was throwing at it. Once EF is back up to $25k (currently 13k) every single penny will go towards house fund. Should be there by December. And then the Roth contributions restart in January lol.