Obviously a lot of factors come into play. Yes, many places require $3000 or so
to even get into the fund. And the performance of the last 10 years sucks. I'm
not current enough to know specifics of where to do it, but if you can get an
index fund and stay in there for 20+ years (kid's college,
> WHERE are you getting 8-12% ???
I'd like to know as well so I can throw money at those places when the
debts are paid down. One place I have a small amount of money parked
(initially invested $300) is prosper.com, a private-source lending
service. You can deposit money there and allocate
WHERE are you getting 8-12% ???
On Mon, Mar 21, 2011 at 2:02 PM, Matt Williams wrote:
> Better to earn at 8-12% than pay off at 0%.
>
>
~|
Order the Adobe Coldfusion Anthology now!
http://www.amazon.com/Adobe-Coldfusion-
On Mon, Mar 21, 2011 at 2:02 PM, Matt Williams wrote:
> If you pay off the truck, you could put those payments into an interest
> bearing savings or
> mutual fund. Better to earn at 8-12% than pay off at 0%.
Actually, you have that backwards. If you DON'T pay off the truck you
can take that pa
The best savings I can find is around 1.2%, the money needs to stay
available to me for worst case scenarios.
1.2% is almost not worth it.. it'd be around a hundred a year maybe?
On Mon, Mar 21, 2011 at 1:02 PM, Matt Williams wrote:
>
>>I could easily pay off the
>>truck but with 0% APR, why?
>
>I could easily pay off the
>truck but with 0% APR, why?
If you pay off the truck, you could put those payments into an interest bearing
savings or mutual fund. Better to earn at 8-12% than pay off at 0%.
I vote for Dave Ramsey too. His "Total Money Makeover" book describes the steps
from gett
i just signed up for free (through work) to do the dave ramsey FPU.
and ive setup mint.com
and have it on my iphone. im ready to start tackling this mountain,
and see the light again.
On Mon, Mar 21, 2011 at 1:43 PM, Jacob wrote:
>
> Stop eating out. My wife and I used to spend over $1000 a mo
Stop eating out. My wife and I used to spend over $1000 a month in food,
must of that from eating out. Now, we eat out once a month and our food bill
for the month is about $600.
But... as most of you know, food prices are getting out of hand! May have
to kick it up to $700.
-Original Messa
On Mon, Mar 21, 2011 at 10:37 AM, Erika L. Rich wrote:
> You don't want this one on the kindle. I forgot to mention that.
>
> This is one you want as a real book. It's huge and I bookmark many pages,
> leave it open for a few recipes, go back to reference it every once in a
> while. It belongs in
> Two really good Blogs for this are "Get Rich Slowly"
> http://www.getrichslowly.org/blog/feed/ and "The Simple Dollar"
> http://feeds.feedburner.com/thesimpledollar
Thanks for the suggestions, I'll check those out.
-Justin
~|
> Take a look at Dave Ramsey, he has several books and a program called
> 'Financial Peace University'. He has some great ideas about tackling
Glad to hear his strategies are working out for you. I've been
reading some of his materials as well as Suzy Orman and others to get
different viewpoints
You don't want this one on the kindle. I forgot to mention that.
This is one you want as a real book. It's huge and I bookmark many pages,
leave it open for a few recipes, go back to reference it every once in a
while. It belongs in an easily accessible spot. :)
On Mon, Mar 21, 2011 at 10:20 AM,
I've been tracking my finances like that for over 40 years and I still
have all the records. It's kinda fun sometimes to see exactly how
much I spend on various items. Books and music are by far my biggest
discretionary expense over the years. Another really interesting
trend is how much less I
On Mon, Mar 21, 2011 at 9:52 AM, Erika L. Rich wrote:
> That's the one! It's not earth shattering stuff, just common sense
> approaches to a lot of little things in life that eat at money without you
> realizing it.
Not available on Kindle... :(
-Cameron
..
~~
On Mon, Mar 21, 2011 at 10:01 AM, Greg Morphis wrote:
> It really just gave me an excuse to geek out with SQL and CF.. and
> customize the hell out of it storing every trip to the store, gas
> station, night out, etc. I can tell you how much money we spent on gas
> in 2009, or at Walmart, or was
We've dumped all credit cards. If we need something like one, we'll use a
debit card (which is almost as bad). Everything should be as much cash and
carry as possible. If you see the money in your hand and then not, it has a
huge psychological effect. But watch out when a check comes in and the ur
It really just gave me an excuse to geek out with SQL and CF.. and
customize the hell out of it storing every trip to the store, gas
station, night out, etc. I can tell you how much money we spent on gas
in 2009, or at Walmart, or was labeled Entertainment, or Medical and
what percentile that ate
On Mon, Mar 21, 2011 at 8:41 AM, Greg Morphis wrote:
> It was amazing but also tackling it like that, it was rewarding..
> seeing the 1 less bill, I even wrote a little ColdFusion app to hold
> all the payment info, the bills, etc.. seeing each less bill, watching
> the "total amount owed" and "t
That's the one! It's not earth shattering stuff, just common sense
approaches to a lot of little things in life that eat at money without you
realizing it.
She and her family do some off the wall things, but most of the tips,
resources and adjustments they make and give are awesome. There's a GRE
It was amazing but also tackling it like that, it was rewarding..
seeing the 1 less bill, I even wrote a little ColdFusion app to hold
all the payment info, the bills, etc.. seeing each less bill, watching
the "total amount owed" and "total monthly debt" shrink made me feel
great.
On Mon, Mar 21
Greg,
You just described what Dave Ramsey calls the 'Debt Snowball'.
I was amazed at how effective it was in knocking down debt quickly.
On Mon, Mar 21, 2011 at 8:21 AM, Greg Morphis wrote:
>
> What I did was list my various debts and amounts owed and APRs, etc..
> You have 2 options, attack t
Erica, are you referring to this:
http://www.amazon.com/Complete-Tightwad-Gazette-Amy-Dacyczyn/dp/0375752250
we're saving for an eventually forced career change for me (the
company I work for was bought a couple years ago and we're down to the
wire an supporting existing apps) and if it helps sav
What I did was list my various debts and amounts owed and APRs, etc..
You have 2 options, attack the highest APR ones or lowest amount owed.
I had 3 credit cards, all around 9% APR, a truck that was 20K 0% APR,
Car that was 12K and 8% APR
The truck payment is 450 a month, the car is 212 the minimu
The Tightwad Gazette.
NO. You don't follow every tip that is in it.
But read it cover to cover, and make sure there aren't any areas left you
might be able to cut back in.
Saved my ass several times. Still does. :) Even if it seems we lived a
charmed life ... it's because of frugal choices I make
On Sun, Mar 20, 2011 at 9:10 AM, Scott Stroz wrote:
> Take a look at Dave Ramsey, he has several books and a program called
> 'Financial Peace University'. He has some great ideas about tackling
> debt. My wife and I are using some of his ideas right now and it makes
> a huge difference.
>
> Be w
d to be May, but might be later if the
Government Shutdown actually happens)
Sandy
-Original Message-
From: Scott Stroz [mailto:boyz...@gmail.com]
Sent: Sunday, March 20, 2011 9:10 AM
To: cf-community
Subject: Re: Going at my debt with a murderous rage...
Take a look at Dave Ramsey, h
Take a look at Dave Ramsey, he has several books and a program called
'Financial Peace University'. He has some great ideas about tackling
debt. My wife and I are using some of his ideas right now and it makes
a huge difference.
Be warned, he can get a bit preachy about religion, but, to me, it w
took us nearly 17 years to pay off wife's student loans. luckily i dropped
out early due to loose women and fast party's.
we pay 1/2 our income on our house. its too much for what it is, but i like
it.
my honda civic takes up another good chunk of change.
never had a credit card but do have a deb
> Basic rules:
> 10% of your income to your my debt
> 10% to savings
At the moment, if I did only 10% to debt we'd be in hot water pretty
quickly. We're pushing about 36% out in debt service every month at
the moment. If I can sell the car we're paying on that will knock it
down to 28% (better,
Does it involve UV lighting and hydroponics?
^_^
hee hee hee
On 19 March 2011 15:13, Scott Raley wrote:
>
> Email me off list and I'll tell you what we've been doing because I've had
> a
> lot more debt than that and have cut a huge chunk of it out in 6 months.
>
~
Email me off list and I'll tell you what we've been doing because I've had a
lot more debt than that and have cut a huge chunk of it out in 6 months.
-Original Message-
From: Justin Scott [mailto:leviat...@darktech.org]
Sent: Friday, March 18, 2011 7:39 PM
To: cf-community
Subject: Going
There is an excellent book called The Richest Man in Babylon that
gives advice on how to handle money. I have to lived by the rules
for very long time and it has served me well.
Basic rules:
10% of your income to your my debt
10% to savings
There are some good programs that will let you consol
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