I transferred my husband's IRA to his 401(k) which has expense ratios that make Vanguard look expensive and transferred my IRA to Vanguard to lower my expense ratios as well. I will have maxed by 2014 IRA contribution by November and will have half my husband's contribution for 2014 in September, the rest of it will be in the beginning of next year or December depending on cashflow.
We have made progress with the food budget but there is still a lot of progress yet to be made. We have saved over $1800 YTD over last year's food budget but I still am struggling with being motivated. I suspect dropping this expense will also be a goal for next year.
Checking in with an update
August 28th, 2014 at 02:04 pm
August 28th, 2014 at 02:23 pm 1409235819
August 28th, 2014 at 02:36 pm 1409236583
August 28th, 2014 at 03:43 pm 1409240610
August 29th, 2014 at 01:54 am 1409277278
As to contributing monthly, we already do. In fact, thanks to 2 401(k)s, a family HSA and alternating bi-weekly checks, we contribute on a weekly basis so we haven't missed anything (not the July drop nor the current run up). The IRAs are more about cashflow which in our case tends to vary significantly month to month.