If this must be used I hope it’s only used in cases where the person is just under the line of being able to be approved and only to bring up their score not bring it down. Ugh.

I wish I could just toss things. Part of the issue is I really like the item and the other part is if I don’t it usually has actual real value past $20 and sometimes over $1000 and you just don’t goodwill that stuff. And I’m lazy about selling stuff. If it’s goodwill stuff like an old vacuum or something like that…

Interesting. Though in the end you should pay much less than new if you did a good job checking out known issues with the car model in general and had a good mechanic look it over. Still a little skittish myself about it but we’ll see for the next car.

It wasn’t the case for us. We were probably over qualified for it but because of timing we didn’t have time to get 20% and while we had more than 3.5% we didn’t want to use up all our saving in case things got weird. Plus we under bought and can over pay so we’ll have it paid off in about 12 years (just got it in mid…

This is a setback for those looking forward to it but I don’t think it would affect me as I already have my loan. We did the FHA route because of timing and I didn’t want to blow all our savings on the down payment because expensive things happen and I wanted to keep some cash on hand for when they did.

Between starting therapy and reading financial blogs like this one are what got my head in the right space to finally change our financial lives for the better.

A lot of my success with getting out of credit card debt had to do with the fact that we were lucky and actually did make enough to live off of and save (save portion mostly went to paying off the credit card debt and then went into savings) but we were being stupid and spent it on junk. Had we not made enough to pay…

I get that. And the reality is that they’ll be in booster seats for nearly forever so I have to see how 3 of those fit too or at least see if anyone else got 3 to work online. I want as small a car to work but I also don’t want to have to buy a bigger car later because the one we got was too small. (I like smaller…

Ugh I have no idea what the difference between all those are. All I know is I think I want a RAV4 but I’ll do a lot of test driving to verify that is actually what I need when I get around to actually replacing my ancient car (sometime before I have kids). I do way too much research when I buy cars.

Some people do depending on how big their family is and how often they do things that require a lot of equipment being hauled around like camping or traveling the country by car. Now does everyone need one that has one? Probably not. Would it be cheaper to rent a larger car for the few occasions that you need one if…

Good list. I need to do the will one and the consolidating 401k ones.

What will really cause an issue is if it has either a really bad recall or design flaw or if the company sold a ton of that model to car rental companies. That kind of flood would really drop the value. A lot of people run their cars rough and into the ground so you won’t have as many hitting the market as you’d…

Some people just aren’t smart enough and while I feel for them I’m not angry towards them. But those who should know better but don’t care to run the numbers I get upset with. It’s stupid and non of my business but again I want people to succeed and I know they’re stacking the odds against themselves when they do…

There are a few people out there where leasing makes sense. To me it doesn’t and so I likely won’t ever lease a car. Most people who lease probably could do better with buying a less expensive car (same monthly) but owning it in the end. But most people also don’t do the math and really think about the end game…

As long as you understand what you’re doing and it does work for you in the short term (you can always pay off more to fix it later when you have more breathing room) that’s fine . Most people just aren’t good with math and don’t realize what they are doing in either the short term but definitely not in the long term.…

I don’t want to believe it but then even during my horrible spending days I wouldn’t replace a tv or car unless I absolutely had to. I still have my first brand new car I bought with me and I bought it August 2003 and it drove us to California from Florida. (My first car was a hand me down from my sister that lasted…

But if you sell it privately the fact that you bought a popular car will mean you’ll get more for it when you sell it. But the best thing to do is buy used. I just don’t have the guts to do that! At least not yet.

I want to get rid of our insurance payment on the mortgage which doesn’t go away till the mortgage is paid off because we have an FHA. Also it just makes me feel better not owning all that money.

I like the idea of a contract to make sure everyone is on the same page expectation wise no matter how you do it. You can always amend it as needed but then you need to go over the contract again with the new changes. I also would like to increase the amount of money they are responsible for as they age.

We weren’t allowed to set up utilities until after we closed. Even though you have to sometimes wait over a week before you can get an appointment for the utility company to come and take off the stupid block on the internet which means they have to go up a pole and take off a jamming device. (It’s small town, all…