There is $9,398 not shown, made up of $1,000 savings and the rest are balance transfers. I could dig more, but will pass. One thing I do know – every penny was spent (excluding the $1,000 in savings).
I had put my retirement contributions on hold in 2017. That hurt me with my income. I ended up owing. The first half of 2018, I still had them on hold. Then my income increased. I now had to play catch up by claiming $0 and putting away $645/per paycheck into my 401k.
Total contributions 2018: $8,630
My employer throws in 5% of my salary. Total contributions from employer: $6,600
2019 Goal: To contribute $12,000 + employer’s 5%