Welcome Blog Partiers!!!!

I am the Frugal Student, and I live in Buffalo, NY getting my Master's in Neuroscience, with my husband who is getting his PhD in Neuroscience and our darling newborn daughter, Merry.  I post tricks and deals for college students, parents and the newly graduated.  The ideas range from how to set up your first retirement account to how to increase your financial aid package with some general frugal tips sprinkled in. 

I love to hear new ideas or requests for posts as well as learning new ideas from other blogger.  Stick around and let me know what you think.  Welcome again.

Millionaire update-March

The market is being great to us right now.  We now have $14,441 in retirement funds which is an increase of $262 from last month.  That is 1.8% increase which if it was annualized would be over a 20% APY.  I have no idea why the market is doing so well but it is nice to get free money.    All we need is another $559 to have six months worth of expenses ($15,000), including COBRA set aside in retirement but we still have a ways to go before we have reached our mini-goal of $25,000.  It looks like we will be able to start saving for retirement again come September since I should be graduating by the end of the summer.  Because of that, I do expect to surpass the $15,000 by the end of the year but it is unlikely that I will reach $25,000 unless something crazy happens. 

We are still using the Fidelity cash back credit card (https://www.fidelity.com/cash-management/american-express-cards) to save for retirement and unless something changes we don't plan to stop using it.  I believe that I will have another $50 to deposit from it next month because of the cost of daycare, however, depending on when we pay, we may have the $50 by the end of this month.

Because of daycare and class expenses we are about $1000 in negative cash flow per month so until that changes, there will be no investing in the market.