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Viewing profile - Egaas

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Joined: Fri Feb 15, 2008 4:11 pm
Last visited: -
Total posts: 71
[0.08% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 38 Posts / 53.52% of user’s posts ]
Most active topic: Trying to start out right
[ 23 Posts / 32.39% of user’s posts ]



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Egaas Posts

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 Forum: Fiscal Fitness Journals   Topic: Trying to start out right

Posted: Wed Nov 30, 2011 7:02 pm 

Replies: 36
Views: 19409

Long overdue for an update but rest assured I remain "on my plan". I got word a few weeks ago that I will be receiving a 5% raise this year or, just over $4,000. No promotion, but wasn't expecting one, so I can't complain much with that. My new salary is just over $85,000. I reached a majo...

 Forum: Personal Finance   Topic: Expense tracking categories?

Posted: Mon Nov 28, 2011 3:49 pm 

Replies: 10
Views: 1756

I try to keep mine minimal as possible -- everybody is different, though, so there is no good/bad/hard/fast way to do these. I adjust mine over time depending on interests. I do want to see the difference between Groceries (cooking at home) or Restaurants (Eating out), so I keep those separate, for ...

 Forum: Fiscal Fitness Journals   Topic: Trying to start out right

Posted: Thu Dec 30, 2010 10:20 pm 

Replies: 36
Views: 19409

As 2010 ends, I find myself in a great deal of reflection. Towards the end of this year I am finally seeing the work/life balance I have longed for and it definitedly ended on a high note personally and financially. I recieved a promotion last month, which equated a 21% raise totaling over 14K a yea...

 Forum: Personal Finance   Topic: Saving for a house -- what to do with capital?

Posted: Sat Aug 14, 2010 12:15 am 

Replies: 2
Views: 923

I suppose for the best applicable answers, I'd outline my financial background. I am 25 and I've been working for about 3 years now post-college, I make 67K pre-tax. I am up for review next month so that figure has an opportunity to grow. I purchased a car about 2 years ago that only has 20K on it, ...

 Forum: Fiscal Fitness Journals   Topic: Trying to start out right

Posted: Mon Feb 22, 2010 9:15 pm 

Replies: 36
Views: 19409

I got to thinking about this post the other day and how long it's been since it's last updated, really interesting to look back over the time line and what I thought at the time vs. my feelings and thoughts now. I've become jaded a bit with life lately, not because of not meeting financial goals -- ...

 Forum: Personal Finance   Topic: Which index funds?

 Post subject: Which index funds?
Posted: Sun Dec 27, 2009 12:52 pm 

Replies: 10
Views: 3441

Long story short, I've maxed my Roth IRA for 3 years now and haven't done a very good job of dollar cost averaging. I started out with individual stocks (still have some, sold some) as the market always seemed to be tanking, I got busy and ignored investing for a while, so I'm sitting with about 11K...

 Forum: Personal Finance   Topic: discounts on sunglasses?

Posted: Sun Sep 13, 2009 2:48 pm 

Replies: 8
Views: 2066

This is exactly why I don't buy expensive sunglasses in the first place.

 Forum: Personal Finance   Topic: Got my emergency fund...now what?

Posted: Tue Aug 25, 2009 9:53 pm 

Replies: 12
Views: 3698

I am much in the same boat as you, 24, no debt, bought and paid off a car, built my 6 month emergency fund and have fully funded my Roth IRA for 3 years. If you are not putting in an ample amount into your 401K, do that, at least enough to get the match. After you are getting a match, fully fund you...

 Forum: Fiscal Fitness Journals   Topic: Trying to start out right

Posted: Sun Jun 07, 2009 11:53 pm 

Replies: 36
Views: 19409

A bit overdue for an update, so here it is. - Reached my goal of maxing my Roth IRA contributions for the year. I have about 11k cash sitting in that money market account that I will likely invest in an ETF soon. I am currently looking at symbol "VYM" which is a high dividend yield ETF. I'...

 Forum: Personal Finance   Topic: Almost Newlywed Needs Advice

Posted: Sun Apr 26, 2009 11:38 am 

Replies: 9
Views: 3206

I think it takes a few years after college to even decide exactly where you'd like to live!

I'm about 2 years out, and trudging along in saving for my down payment, but I haven't even answered the first question yet, where my ideal location would be.

 Forum: Personal Finance   Topic: How does your emergency fund look?

Posted: Thu Apr 16, 2009 7:38 am 

Replies: 45
Views: 11683

I can pay rent and live comfortably for about 6 months on my emergency fund.

 Forum: Personal Finance   Topic: Buying a car, cash or credit?

Posted: Sat Apr 11, 2009 8:02 pm 

Replies: 15
Views: 4671

I bought a 16k car in November. I put down 10k on it since outright buying it would have left me with an uncomfortably low emergency fund. I made really aggressive car payments, and paid off the remaining 6K in about 4 months, so I hardly ended up paying any interest at all. You should consider doin...

 Forum: Personal Finance   Topic: Time for a CD?

Posted: Mon Apr 06, 2009 10:20 pm 

Replies: 5
Views: 1713

You need to ask your self how much each month costs you if you had no income. Then think about how long you would like to protect yourself if you had no income, say, 6 months. I have a 10K emergency fund that I feel pretty good about. I consider anything in savings beyond this my down payment fund. ...

 Forum: Fiscal Fitness Journals   Topic: Trying to start out right

Posted: Sun Apr 05, 2009 9:31 pm 

Replies: 36
Views: 19409

I turned 24 years old this week. Few recent things to further streamline my expenses: - Raised my car insurance deductible from 500 to 1000 which lowered my premium over 300$ a year. Insurance is kind of a funny thing, it's like I'm taking a gamble that I won't have to make a claim within the next y...
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