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the saving schedule

February 6th, 2010 at 04:23 am

Thursday
Saving log - $0
Spending log - $0
Found money - $0 Frown

Friday
Saving log - $3
Spending log - $1.75 coffee + $13 super bowl snacky items
Found money - $0.02 (sidewalk, Safeway floor)

Dirty money tally:
$23.19: 584 pennies, 22 nickels, 100 dimes, 21 quarters, $1 bill.

So spread out a few days every month, I've scheduled "opportunities" to save. Here's my monthly schedule:

1st - $35 1 Drp
2nd - $125 moving from checking to savings
5th - $30 or so goes into a CD
12th - $50 2nd Drp
16th - $100 from checking to ING
21st - $30 or so goes into 2nd CD
last day of month - monthly interest applied to ING ($28), Vanguard ($2), farmette checking account ($1).

I haven't counted the tip box, the dirty money hunt, the quarterly dividend reinvestment or what goes into the 403B, so what I've listed above is not exhaustive. This little bit of savings spread out over many days every month means I get a little saving thrill many times a month, rather than a big old dread 1-2X/month.

Does anybody else have this extensive a saving schedule?

3 Responses to “the saving schedule”

  1. whitestripe Says:

    I used to; I would send $25 to my Holiday Fund, $25 to my House Fund, $25 to my EF, $55 to my bills account etc etc.
    Now I just send $180 to our bills account, and everything else just stays in our everyday account as it is an offset account.

  2. monkeymama Says:

    No - I just do it all at once! Big Grin Once a month - I like moving a big chunk to savings every month. I suppose it depends what you find more rewarding. Saving a little every day depresses me. Though I might do it twice a month if it makes more sense for my cash flow.

  3. homebody Says:

    Twice a month for me as that is our payday schedule.

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