$20 challenge:

$9,261.87 - Balance 11/13

$ 145.00 - Interest

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$9,406.87 - Balance 11/26
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Well, received my bank interest today and know what the CDs will bring Saturday. So $145 for the month.

I just executed my last balance transfer so expect an easy $200 interest for December.

Which would put my challenge to $9600. & I have worked enough overtime to bridge the gap to $10,000. I do not know though when I will get paid. So we'll see. Nothing much else planned in that regard. If I save any gift money between here and January I might be able to make it. With birthdays and Christmas there is ample opportunity. The problem is I already have that money earmarked for other stuff. We'll just have to see... {My rule is if I deposit it in efund or retirement I can count gifts towards the challenge. Not if I need them for more short-term expenses).

Yes the challenge really encourages me to save more than spend. I expect next year to go much better. We got much farther on track, but haven't built up much of a car repair fund this year which was my downfall. I assume we'll get plenty of christmas money for that - to replenish short-term savings for the new tires and such. Otherwise it could have gone straight to retirement. So close... I don't expect next year to be an issue since we no longer have to divert so much cash to the e-fund. We are working on our car/house fund next year. Which hopefully means come NEXT Christmas we will have a windfall for retirement. I was hoping to be there this year; but little to complain about overall. We have made substantial progress.