Daycare is essential to us, even tho wife and I telework separately 5 days in a two week span. We simply can’t do our jobs while our 16 month old is at home. Not to mention our telework agreement says it can’t be used in place of daycare.

The last hour of the day is the perfect time (for me) to clean up my desk and go to the bathroom. Take a long walk to the soda machine/water cooler and it should cut down on your time.

If you shut down the business, another will spring up.

The car loan is good debt. I would keep it for now and put extra into 401k. Or: if you have a mortgage and still paying PMI, put it towards principal and get out of PMI quicker.

This actually has happened organically (no pun intended). My biggest issue was to just go to the gym and run more. Also went back to playing basketball. For the first few weeks, I needed to eat more after I burn so much. But my cravings have gone down and I’m just making better choices in general. It’s definitely a…

Marriage helped a ton with the car insurance. Literally a piece of paper says you are now a better driver.

This. Ally makes it easy and it’s all together. You can even name them.

This. I’m training for my first 5k and because I’ve been going to the gym during lunch, I eat less and don’t eat the big lunch portions out. I still have soda here and there along with snacks. But I’ve naturally cut it down.

Few things:

This exactly. A ring from the GM would be worth more. This is nothing more than a great copy.

He’s not readinf your comment.

The Dems better pick a good candidate then. Because if they choose another Hillary, its not gonna be pretty.

A lot of waste in government involves OUR money, but it only matters when its a person you hate/like.

Maybe they already had all you info and no red flags came up when you bought it for skeet.

On the federal civilian side, salary is always better than bonus, no matter how small. All our bonuses and cash awards are taxed at the highest rate. It’s kinda crazy. Also, if you are in the GS pay scale, there is no option to ask for a raise. You get one automatically every 1/2/3 years, depending where on the scale…

I buy from Amazon all the time, especially baby stuff. Before, I used to just get over $150 so I can get the interest free financing, even on stuff I didn’t need. I cut that out. Now I still shop, but only get what I need. I use the store card and do the 5% cash back. Soon as I pay, I go into the store card account…

Because of my financial challenge, I’ve lost weight and saved money. I’ve only gone out 3 times for lunch. My challenge was to repay myself whatever I spend on lunch to my savings and my brokerage account.

So it justifies violence, eh? Yup. Guess so.

I will be buying this model year car in about 5 years on the used market. And if I pay $50K for it, still worth it!

You aren’t stuck. You simply don’t want to pay to get unstuck.