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Viewing profile - bel

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bel
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Joined: Fri Sep 03, 2010 6:33 am
Last visited: Sat Nov 20, 2010 9:41 am
Total posts: 66
[0.07% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 31 Posts / 46.97% of user’s posts ]
Most active topic: Goal: Invest $100,000 in 2010
[ 21 Posts / 31.82% of user’s posts ]

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bel Posts

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 Forum: Personal Finance   Topic: Wedding Budgets

 Post subject: Re: Wedding Budgets
Posted: Wed Oct 20, 2010 7:41 am 

Replies: 35
Views: 5883


We did our wedding budget 3 yrs ago similar to how googoo outlined. We determined how much we were comfortable throwing away (not how much we could afford). LOL. Then adjusted our wants to that budget. We agreed that we didn't want to spend more than $10k. At the end, we spent ~$8k total (which is l...

 Forum: Personal Finance   Topic: Fell off the debt free wagon...

Posted: Wed Oct 20, 2010 7:25 am 

Replies: 38
Views: 6166


What did the private sellers say when you pointed this out to them? Did you try to negotiate at all? Were you comparing apples-to-apples? That is, were you comparing a used, loaded Odyssey with a base-model brand-new Odyssey? Clearly, an efficient market will ensure that all other things being equa...

 Forum: Personal Finance   Topic: Fell off the debt free wagon...

Posted: Tue Oct 19, 2010 12:09 pm 

Replies: 38
Views: 6166


No I'm not. I'm comparing the amount we wrote the check for to the amount Edmund's says is the average private party sales price in our area. I also have double checked that against newspaper and Craigslist listings. That is all speculative of course. My main point is that by paying cash we likely ...

 Forum: Personal Finance   Topic: Wedding Budgets

 Post subject: Re: Wedding Budgets
Posted: Sun Oct 17, 2010 7:44 pm 

Replies: 35
Views: 5883


Googoo makes a good point. I believe we are doing a lot better than most young couples/family because we didn't let salary increases and promotion affect our lifestyle. It felt great to welcome our first child in a debt free family (that's debt free including our house). :D

 Forum: Personal Finance   Topic: Wedding Budgets

 Post subject: Re: Wedding Budgets
Posted: Sun Oct 17, 2010 7:20 pm 

Replies: 35
Views: 5883


How long will it take you to save the $15k? Did you say over a year? If so, I don't think you can afford a $15k wedding.

 Forum: General Discussion   Topic: Why do people say "Debt-free except for the mortgage?"

Posted: Fri Oct 15, 2010 11:07 am 

Replies: 10
Views: 4356


DoingHomework wrote:
I don't see any reason to go around telling people that because the mortgage is a rather big deal!


Although we are debt-free, I also don't see any reason to be telling others about it. :)

 Forum: Fiscal Fitness Journals   Topic: Goal: Invest $100,000 in 2010

Posted: Wed Oct 13, 2010 11:35 am 

Replies: 54
Views: 10745


And is everyone and you both adjusting to that well? (I would _love_ to be able to make that kind of schedule work when I have kids. I think it's pretty much ideal. Unfortunately, I don't know that my company would do it for very long and I'm our primary income so I don't know if we could swing it ...

 Forum: Fiscal Fitness Journals   Topic: Goal: Invest $100,000 in 2010

Posted: Wed Oct 13, 2010 7:11 am 

Replies: 54
Views: 10745


Panda wrote:
So did you in fact change your work schedule after all?


Yes. I'm now on a part time schedule. This week, I'm only working 20 hrs. :)

 Forum: Fiscal Fitness Journals   Topic: Goal: Invest $100,000 in 2010

Posted: Wed Oct 13, 2010 6:44 am 

Replies: 54
Views: 10745


Woah Bel you have thicker skin than I do. If somebody were to infer my child was to become a drug addict breaking into people's home for vicodin because I put them in daycare, momma bear be coming out!!! I don't need a think skin. You see, that's our plan all along. My husband and I want to be evil...

 Forum: General Discussion   Topic: How much is an interest rate reduction worth?

Posted: Tue Oct 12, 2010 9:58 am 

Replies: 12
Views: 3198


There's definitely a lot of variables. So I'll make some assumptions. Let, Person A has the 4% mortgage Person B has the 4.25% mortgage If I am person B, how much $xxx would I be willing to pay A for his 4% mortgage? Option 1: If B adds $xxx into the loan, then B wants to pay A less than $7,760 to m...

 Forum: General Discussion   Topic: How much is an interest rate reduction worth?

Posted: Sun Oct 10, 2010 4:30 pm 

Replies: 12
Views: 3198


Hmmm... Thinking about it further, it depends if $xxx is paid today or added into the loan amount. If you have $xxx and use it today, then $xxx = $15k, otherwise it's $25k. I think that's right. :D

 Forum: Fiscal Fitness Journals   Topic: Goal: Invest $100,000 in 2010

Posted: Sun Oct 10, 2010 4:10 pm 

Replies: 54
Views: 10745


emoore wrote:
I deleted my reply because this is Bel's post about investing extra money. Keep up the good work! I hope to be in your position some day.


Thanks! I wish I read your reply. :D

 Forum: General Discussion   Topic: How much is an interest rate reduction worth?

Posted: Sun Oct 10, 2010 4:07 pm 

Replies: 12
Views: 3198


Yes, considering the new case, $xxx = $25,582. This will give a different choice between:

6% mortgage of $100k
4% mortgage of $100k + $25,582

My original calculation considered an existing 30-yr mortgage with a choice of refinancing for $xxx or not, as indicated in the original post.

 Forum: Personal Finance   Topic: How much are you saving for your children's education

Posted: Sun Oct 10, 2010 1:53 pm 

Replies: 27
Views: 4922


I want to hear from people like bel , who apparently accomplished this recently, exactly how they did it (what school they attended, what they studied, how many years it took, where they worked, etc). It took me 6 yrs total (2 yrs for an AS and 4 yrs for a BS degree). I knew I wanted to go to colle...
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