When we bought our house last November I was worried about how to set up our extra payments so that they went towards principal rather than interest. I think the people who worked at quicken, our lender, were confused (maybe because it never occurred to the people we spoke to about it that it wouldn’t be applied to…

I always wondered how much cheaper you could get a car like a corolla if used versus new with warranty, especially if you factor in the hassle of buying used and having to do so more often because you’re getting a vehicle with less life. I’ve had my 04 since summer of 03 and it’s still kicking well, even after…

People can break up with someone and still live with them, seen it done with a few people. The cheating part is the stupid and dangerous part for her. Just break up with the person first. Or, news flash, after the first few times this happened, don’t move in with a gf, he could keep his own apartment, with…

Same here! It turns out it’s just buying without thinking about the big picture and being lazy. (Eating out way too much, buying stuff we didn’t need because we saw a “surplus” in the account not remembering we needed that money 2 months from nown when contacts needed to be bought or whatever etc).

Getting married is what kept my finances from getting horrid on my own. They got horrid in other ways but we learned and how are in a better place, though soon I need to start being a hard behind and start saving hard core again. 

This works for some, but not me. WhenI tried that I never had any money left over and had no idea or record of what I spent it on. (Receipts would get thrown out or lost before I got home). Horrible advice for me. Debit and then once I could pay off the card monthly, credit was the best way. Every penny was…

That thinking is what got us in trouble. Hub was in charge of money and I’d ask if we can afford this and he’d think about how many over time (straight, not time and a half as he was salary)it’d take and usually would say yes. But he forgot about the past 200 things he was still working toward paying. Since then…

Ah yes but 1500 a month on rent for multiple years is also expensive as well as moving on your own dime and you’re not going to be able to use that money to pay down your mortgage. I did it on a 3.5% fha loan because we had an opportunity for his company to pay for moving costs including some of the closing costs and…

I specifically got an FHA loan with 3.5% for that reason. Luckily my hub is an only child so a lot of that stuff his parents paid for but I kept the extra cash in case we needed it.

My mom never had a system. Just a lot of crying and so I did too until I finally had by luck figured one out for myself. My dad wasn’t really involved in my life when a parent would share that info.

I got a lot of high level advice but none that I could take action with. Spend less than you earn! Start saving for retirement when you’re young! Not oh here’s a good way to keep track of what you earn and spend and how you can project/save for known expenses coming up so you don’t blow a perceived surplus by…

There’s unfortunately not a lot of room for negotiation since the small city I live in owns all the utilities including internet. I’m looking at downsizing our internet package though. But either way the money made off of the internet is funneled into our police and emergency funds so there’s that. (We do get 10%…

It’s fair if they’re buying a large amount of items, but to haggle on a .50 single item is silly.

Going to work on the cable/utilities bill. Gotta get that down so we can enjoy AC this summer. But unfortunately it’s all under hub’s name and they’re only open while he’s at work. (Small town, all utilities are on one bill). Sigh. Going to have to make it work.

I don’t watch news anymore. I’m barely on free TV anymore and I don’t have cable. I see the news online and that is enough. I think complain about it online and in person. I am careful what to tell my hub because he’s the breadwinner and has enough stress at his job and doesn’t watch the news for himself. …

We already are in the 401ks but I did take a look at statements that came in from our older 401ks and one notice about last jobs 401k moving to a vanguard option with a much lower fee cost which was nice. The latter was mailed in January but I only just got it because no matter how many times hub called his old job…

Accidents happen and hopefully if she had any part in helping cause it that behavior will stop. But going off on the kid about it at the time isn’t appropriate and that’s assuming they caused it. If they didn’t that’s even worse to go nuts over it. That’s why we have insurance. That’s the one area my mom didn’t…

Good. I wish I had that same tough love from my parents. The toughness they showed had nothing to do with what was best for me but instead had to do with their own issues. Most of my punishments were way too extreme because they were decided in the heat of the moment and of course could never be fulfilled. But…

Those people were already in trouble with the current system, but this new system looks like it will help get them out once they are able to get back on their feet.

Ugh, I know! We recently bought a house and got flack about only asking for 140k (we then bumped it to 185k but ended up with a house under 150k). The more traditional companies pushed for us to go way beyond what we wanted to spend. 300k, 400k, almost 500k! Especially for our area that is insane. We are spending…