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Viewing profile - galactic

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galactic
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Joined: Sat Dec 29, 2007 9:30 am
Last visited: Sun Dec 21, 2014 7:38 pm
Total posts: 580
[0.65% of all posts / 0.19 posts per day]
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Most active forum: Personal Finance
[ 258 Posts / 44.48% of user’s posts ]
Most active topic: another new leaf
[ 92 Posts / 15.86% of user’s posts ]

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galactic Posts

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 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Wed Oct 22, 2014 6:10 pm 

Replies: 94
Views: 29503


got to thinking about this journal again the other day. my peers seem to confide in me, for whatever reason. now we're all big kids so we talk about investments and down payments and housing markets and etc. i never thought i'd get old enough to find these things discussion topics, but here we are. ...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Mon Sep 15, 2014 6:38 pm 

Replies: 94
Views: 29503


*finally* got all the windows covered! whew! so we're digging out of the immediate move-in and urgent projects. have been paying off the credit card monthly until we hit this month and the biggest expenses came in. also making a visit to family, not cheap for three of us, but it's been over 18 month...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Mon Jul 28, 2014 6:58 pm 

Replies: 94
Views: 29503


first month (pre-move-in repairs plus moving costs plus stuff we realized we needed once we got here) have stung a bit, but we've taken them in stride. we have a lot of windows. window coverings are not cheap. wow. in at least one instance we may have resorted to duct tape and paper bags as a tempor...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Tue Jul 15, 2014 6:43 pm 

Replies: 94
Views: 29503


thank you! apparently not all of it, since it's clear we are running out of time. and thanks to tonight's torrential rains, we're discovering the drainage issues on the property and are looking at putting in a french drain... so we're heading right down the rabbit hole. i'm content to spend the firs...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Sun Jun 29, 2014 3:33 pm 

Replies: 94
Views: 29503


the house is ours! 83% LTV based on appraisal, no PMI, great interest rate. pretty pleased with the way all that worked out. it needs a little work put into it, but not that big a deal. we reserved a little cash for getting that stuff done. moving sucks, moving in july really sucks, but it's a happy...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Mon Jun 09, 2014 5:23 pm 

Replies: 94
Views: 29503


good luck, Pisces! yeah, life throws a lot of frustration your way... i found that it's inevitable, and the only thing i really could control is how i dealt with it. hope you find your own way of dealing with the day to day. keep going! well, i've got an update for the journal here... we've got a co...

 Forum: Personal Finance   Topic: Ever hear of a real turnaround?

Posted: Sun Jun 01, 2014 7:55 pm 

Replies: 5
Views: 1233


I was one of those kids whose prospects you worry about... Had a lot of rough times growing up. Learned more about what not to do in life than what to do. Especially about money. Somehow I latched onto the idea that education was my way out of the life of poverty. I left home young and worked full t...

 Forum: Personal Finance   Topic: Shopping around for a mortgage

Posted: Mon May 26, 2014 8:02 pm 

Replies: 9
Views: 1678


Since we are in the mortgage-shopping phase, I've got a question to add to the topic. When considering closing costs, is it best to pay these up front or finance? Aside from the obvious (more interest, bigger payments, more money lost) are there any other factors to consider? Coming up with 20% in o...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Sat May 17, 2014 11:53 am 

Replies: 94
Views: 29503


it's been a while... 1. emergency fund: steady. i'm feeling satisfied with where this is. 2. baby savings: super proud of this goal, got a nice little sum in the stock market at vanguard for him. 3. additional savings: haven't defined what this one is, but it's been a bit of a slush fund recently. i...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Fri Nov 08, 2013 8:38 pm 

Replies: 94
Views: 29503


not much of note recently. been working away on the savings goals. 1. emergency fund: went ahead and increased it by 50%. just finished today. i think this is good. 2. baby's savings: slow going here, too focused on the emergency fund i guess. also, i want to put this into the stock market, but ther...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Mon Jul 08, 2013 9:03 pm 

Replies: 94
Views: 29503


well, i'm back. as planned, we got our estate plan set up and paid for, then took a break from the rigorous savings plan. perhaps too much of a break, but we needed a bit of free-rein time after making that milestone down payment savings goal. we went back to visit family, took that long weekend in ...

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Sun Mar 17, 2013 9:44 am 

Replies: 94
Views: 29503


i think a car replacement savings fund is a good move for us, Panda. thanks! once i get re-oriented, this will probably be the next focus. i expect to get several more years out of both cars, but advance preparation is helpful.

 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Fri Mar 01, 2013 5:48 pm 

Replies: 94
Views: 29503


20% down payment fund: fully funded. thanks, tax refund! speechlessness and disbelief. i have nothing else to say on that. so moving on... next up is getting a trust set up for baby. then a break. going back to the very first post in this thread, here's our goal progress: 1. knocking out the rest of...

 Forum: Personal Finance   Topic: Setting up a trust for the baby

Posted: Sat Feb 16, 2013 3:13 pm 

Replies: 7
Views: 1506


thanks for all the feedback. to reply to some points directly: - while we trust the folks who would raise our child in this situation, we do not trust them with money. which is the case for all but one or two of the relatives we have between us. (and the money-wise folks are just not into raising ye...
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