| Well, my sister gave me back the 10K I lent to her 4 (or 5?) years ago. She threw in an extra 1K to be nice, I guess since I lent her such a large sum. So, we made it. We met our $145K goal non-retirement savings goal for 2008, but just barely.
OUr credit card 0% promo ended, so we took the offsetting cash and paid it off. These were funds that were kept in HYS to earn a little extra cash. I thought about transferring the balance to another 0% card, but decided it was too much trouble, especially with the declining return.
The markets for us (and everyone) have been terrible, of course. I'm sorry I won't be contributing to my 401K in these down times, but life is good, and I love staying home with our new baby. At least I maxed out my 401K last year, and both husband and I maxed out our Roth contributions.
So in the coming year, finances are really tight. I need to give our budget a really close look and think about how much we can save each month. We have very little wiggle room, but I'm confident we can finish the year with more cash than we started with. This means not touching interest income, not dipping into savings, and saving what little cash we can... |