Automation and Money

I have a confession. I have been neglecting my snowflaking account. I know I know... you all though I was going to say I racked up debt!! Trust, I'd very upset if that was the case. I just thought I would shame myself to get back on track. Because I know I have let the money slip off my accounting system.

 Another thing was unknowingly happening over the summer and I just didn't realize it. My base income went up over the summer and it went down and it went up and then it went down... yup you heard that right, 5 different base pay amounts.  All though my take home pay never went down enough for me to realize it. Which basically means that a couple hundred dollars was spend and not completely accounted for. I say that because I can account for it in my budget when I go back and see but I wish I had been more on top of it. For example I got a raise at work for getting my license I thought that I wouldn't get it on my pay until all of them had come in so not for another month. Turns out they added it in August. basically it works out to be about 50 dollars extra on my pay. Now because my base pay has gone up so has amount I get taken off to buy company stock. I want to make sure that the automatic savings got a boost too but since I don't know how everything will be effected I didn't boost it up to much. ING use to take out 50$ each pay, 25$ for retirement and 25$ for my emergency fund. Starting next pay they will be taking $60 off. $30 for my retirement fund and $30 for my emergency fund. Which works out to be an extra $20 off each month. I think with this and my stock increase I won't even notice that I am not 'spending' the pay increase. 

I think that's the best way to make savings painless. If you get a yearly raise, raise your automatic deductions.