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I would say yes I am to both - but things have been super tight since we bought our new house at Christmas. So, I haven't gotten our cash on hand cushion back. With my raise next year, I'm fully expecting that to change though.
We're still firing off money every month to our retirement savings and Maggie's education fund though. I'd say that's doing better than you'd generally expect after buying a house.
Becky, mommy to my Monkey Pie, Maggie (June 10, 2010)
I'd say we are pretty good at both. We both put over 7% in our retirement accounts, we try and put at least 1/2-3/4 of my husbands monthly bonus check in savings and we are in the middle of a house remodel and have stayed pretty close to budget.
I say we do good, but we do waste too much money and after this remodel we are REALLY going to stick to a budget.