To make things a little more interesting... ah forget it, most of you probably are saving for the next big game that will come out this year (and before anyone asks, Yes I am aware that a new Carmen Sandiego game came out earlier this year but I don't own a switch)


I have two columns I'm saving for, one if actually for various things, another is meant for Summer savings (like saving up for next summer because I don't work in the summer,) and usually the money for that comes from what's left over after the annual fall craft market at the horse track, the Prairie Strides Flea Market (one of my favorites!) and the twice a year book market that benefits the Children's hospital

The other column that I use for various things (trust me I have a list) like I said in a previous thread I am saving for a desk but my parents aren't in a hurry to find one at the moment. However I am seriously considering a reloadable Skip the Dishes gift card for myself so I won't have to use my credit card online (yes I have one now more on that in a bit). Though when Forrest Gump does show up on my tv again, I'll probably order a Garlic Epic Stuffed Crust pizza from Papa Johns (I already have Chocolates to go with it) most of the money that goes into this one comes from any money I win at the casino (I only go in when I get a coupon for a draw to put in, however depending on how much I win half would also go into the summer savings area)

anyway yes I do have a credit card now but I have to use it wisely and not spend foolishly. My parents finally relented when dad thought that I should have a credit rating. Getting a credit card was something I wanted to do six months after I got my job, and I knew here this meant that I would be paying bills for the first time. I have been keeping up with the payments of my credit card and when it was activated last fall, I knew what I wanted to use it for first.....Toy Mountain and the Christmas Cheer board, because I figured I should do something beneficial for someone else before I use this on myself, which I did. Also I had agreed to let it hibernate for the Summer until I was back at work. I will shop for the Cheer board and Toy Mountain first once it's safe to use it again though. There are a couple of rules though, and the big one is NO ONLINE SHOPPING (believe me there is alot I want to get online....and it's mostly Sailor Moon related, not to mention cooking supplies)

But enough about what I'm doing what are you saving up for?

classgame: Well me and my wife would love to take a vacation in the fall perhaps around our anniversary. I have been saving for a vacation so we can have a nice getaway. Due to her work schedule we do not get to hardly take any vacations.

I'm not saving for any specific thing, just so I have something in reserve for times of need.

For example, next month I'll be getting a new computer to replace my 9-year old one and I also have to replace some furniture. Such sporadic but necessary spending rely on the savings being made throughout the years, and even though you never know when exactly will you need to do the spending you know it's coming sooner or later.

I see a point in saving to get to a desired option, but I've never truly done that. By simply saving for just in case I can do such spendings when they are actually needed without worrying on anything. I also have a margin to allow some caprices to happen during the month which further disables the need to save for something specific.

I am saving up for a new computer, it'd either be the Surface Pro 12 or 11, the 12 is cheaper so I'll go with that.

I am currently (and perpetually) saving for retirement. My wife and I both have money automatically taken out of our checking account and put into a Roth IRA and invested into an S&P 500 index fund every month. It's so incredibly important to start saving for retirement early because of compound interest. The longer that the money sits, the more that it grows. If you contribute $5,000 every year starting when you are 25, you'll have $2,212,968.78 in your IRA by the time you turn 65 (assuming a 10% rate of return, which is around the average for the S&P 500). If you wait until you're 30 to start investing, you'll only have $1,355,121.84 by the time you turn 65. The person that started contributing at 25 only put in an additional $25,000, yet the extra time allowed them to accumulate $857,846.94 more than the person that didn't start contributing to their IRA until they turned 30.

I'm also trying to build back my emergency savings a little bit, since we took some money out of it recently to have our backyard cleared out and to have sod put down.

Once our emergency savings is back to the level that I'd like it to be at, we're probably going to save for a car. Right now we only have one functioning vehicle because my wife's car has a blown head gasket. It's not worth getting it fixed because the repair would cost about as much as the car itself is worth. It's fine, since I work from home, but it would be nice to have a second vehicle, especially since my car has over 140,000 miles on it and will likely need to be replaced somewhat soon anyway. We'll probably be a pre-owned car for somewhere in the $13,000 to $16,000 price range.

I'm not going to lie I've thought about retirement saving as well. However I've had an RDSP since before I was even employed but god knows how far that will get me in this day and age

I desperately need a modern laptop. My old girl has been with me over 10 years but she is running on pure willpower at this point. The battery is weak, her processor can barely handle more than 2 youtube tabs, and overall her performance speed is not what it used to be.

I am very grateful to her for all the service she has provided me over the past 10 years, but I'm looking ahead now.

I'm hoping to start working soon so I'll have some extra funds to go into a good model.

After that I'm hoping to save up for a trip next summer. I'll have to look into all the details but it feels like the right time.