5.27.2011

Setting Up New Funds

I've been thinking about setting up a shopping fund as well as a gadget fund. I wouldn't use it impulsively but it basically would keep my finances more organized and would keep me on track with my other goals. Of course there are pros and cons to this strategy because it would be there for the purpose of shopping and well, that could lead to finding excuses to shop because I have money sitting pretty waiting to be spent. On the other hand, if I contribute to it whenever I can, I will know how much hard work it took to build it up that much. For example, my travel fund has over $1,000 in it but I don't want to spend any of it just yet. I'm waiting for that perfect opportunity to find a great deal.

BF and I are such gadget nerds and that's why I'm thinking of setting up a gadget fund. We have been talking about getting an iPad 2 for our 6 year anniversary in October but we are also debating between a TV or a PS3. Either way, I want to save up for it when the time comes. We currently have a wii right now and play Call of Duty Black Ops everyday on it with our super old TV. It would be nice to upgrade to a PS3 because COD on wii sucks so much (graphics and controller-wise).

My dilemma right now is do I even have enough money to start contributing to these new funds? 20% of my paycheck goes to retirement and most all of it goes to my down payment fund. In June, I'm going to sign up for my company's employee stock purchase plan so that's another contribution. I try to put in $100 each into my travel fund and gift fund. At that point, I wonder how much I will have left to contribute to my shopping and gadget fund? If I can at least put in $50-$100 a month I think it will work out. In total I will have a 401k, Roth IRA, Employee Stock Purchase Plan, E-Fund/Down Payment Fund, Gift Fund, Travel Fund, Shopping Fund, and Gadget Fund....8 total funds...ahh!

How much do you all contribute to your fun saving funds? How many different contributions do you make each month?

83 comments:

Rosie said...Best Blogger Tips[Reply to comment]Best Blogger Templates

Since confronting my credit cards last July and vowing to be financially fabulous, I started to set aside $80 a week of FUN MONEY - that I can spend on whatever I want whenever I want... from drinks on a patio with friends, lunch with colleagues, or to pick up a new blazer. But when the cash is gone, it's gone. On the flip side, when I have extra money, I put into a MAD MONEY envelope and that's what I use for bigger purchases, shopping, or spending money for vacations. Just a thought - I love my FUN MONEY!

Rafiki said...Best Blogger Tips[Reply to comment]Best Blogger Templates

Let's see. I have an RRSP and employee stock purchase plan. I also have an E-fund/house fund. Other than those 3 everything else is one fund. Mostly cause it's also a pain to open an account every time I have a new fund and separating it mentally doesn't seem worth it.

Daisy said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I think all of those different funds are great, becuase you have to save up for everything you want. I need to make more "funds" but I dont make enough money to fund wat I already have.

Paula @ AffordAnything.org said...Best Blogger Tips[Reply to comment]Best Blogger Templates

Haha, I love the idea of a "gadget fund!" I just bought a Kindle and I love it!

I take a simpler approach -- I first put aside money for my retirement fund, emergency fund, travel fund, and for normal expenses (mortgage, groceries, etc.) Whatever's left over, I spend freely.

Annabelle said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I think I'm going to need to do something like this. I tried to cut out all extra spending, but that just means that when I accidentally buy nailpolish (for instance) I feel like, "Well, that's that, my budget is gone, I might as well buy this eyeliner, too, and some shoes..."

So, yes. I love the idea of a shopping budget. Having no shopping money is not working very well for me.

Rubee said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I think this is a great idea! We have a shopping budget for $200/month each but we don't use it up every month. It stays at that amount and any month that we have money left over, it goes into our saving fund. It will be good to be able to keep the money in there and let it grow for any large purchases for the future.

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