NYEmomma
DIS Veteran
- Joined
- Dec 5, 2010
- Messages
- 2,010
Just a post to pat myself on the back a bit... 
Last month we not only started contributing to our 401k again but we also finally started a 529 for our daughter.
At DH's old job no one was getting raises for several years, yet the cost of everything else in the world was going up & with DH being underpaid to begin with, we just couldn't afford to contribute. DH got a new job in the spring with a nice pay raise but they didn't have a 401k plan & DH had never gotten around to starting a contribution to our retirement plan through the bank.
But last month DH got a nice raise AND they started offering a 401k so he took the % raise that he got and put it all in the 401k. So we don't really feel the raise, but we're saving for the future now!
And after Christmas and DD's birthday (12/31) she had a ridiculous amount of cash in her piggy bank. I also had saved up cash she received since birth... just never got around to opening the 529. But I FINALLY did! We deposited a lump sum & set up a reoccurring EFT from our checking account. All we can afford is $10 a month right now, but something is better than nothing. And we'll be able to save $10 per month for the next two babies as well without worrying about it hitting our budget. Once we're in a better place financially, we can up the contributions.

Last month we not only started contributing to our 401k again but we also finally started a 529 for our daughter.
At DH's old job no one was getting raises for several years, yet the cost of everything else in the world was going up & with DH being underpaid to begin with, we just couldn't afford to contribute. DH got a new job in the spring with a nice pay raise but they didn't have a 401k plan & DH had never gotten around to starting a contribution to our retirement plan through the bank.
But last month DH got a nice raise AND they started offering a 401k so he took the % raise that he got and put it all in the 401k. So we don't really feel the raise, but we're saving for the future now!

And after Christmas and DD's birthday (12/31) she had a ridiculous amount of cash in her piggy bank. I also had saved up cash she received since birth... just never got around to opening the 529. But I FINALLY did! We deposited a lump sum & set up a reoccurring EFT from our checking account. All we can afford is $10 a month right now, but something is better than nothing. And we'll be able to save $10 per month for the next two babies as well without worrying about it hitting our budget. Once we're in a better place financially, we can up the contributions.