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Viewing profile - racheldarcy

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racheldarcy
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Joined: Sun Mar 09, 2008 3:55 am
Last visited: Mon Mar 10, 2008 1:19 am
Total posts: 18
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 7 Posts / 38.89% of user’s posts ]
Most active topic: How to Stay Focused
[ 2 Posts / 11.11% of user’s posts ]

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<a href="http://www.masteryourcard.com/blog">Master Your Card</a> - Making Your Credit Cards Work For You : <b>Priceless</b>.

racheldarcy Posts

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 Forum: Personal Development   Topic: How to Stay Focused

Posted: Mon Mar 10, 2008 1:19 am 

Replies: 7
Views: 7185


Great advice, thank you. I will make sure that I write my goals down and the reasons for achieving them in order to keep motivated. I also think it is important to review the goal if you become demotivated - work out why you are demotivated and see if you need to change your goal.

 Forum: Personal Finance   Topic: how to invest extra money

Posted: Mon Mar 10, 2008 1:15 am 

Replies: 3
Views: 2276


Once I had enough in my emergency fund I would start paying off my debts with the highest interest rate first. I think it is best to pay of debts before saving unless you are going to use it to pay off the debts in the end.

 Forum: Success Stories   Topic: Surviving Post-Divorce Poverty

Posted: Sun Mar 09, 2008 4:30 am 

Replies: 7
Views: 15459


Well good for you for coming out of this one fighting. I have been educating myself about money over the last 5 years but it sounds like you had to learn a lot, very quickly and you did well.

 Forum: Success Stories   Topic: My Eye-Opener

Posted: Sun Mar 09, 2008 4:29 am 

Replies: 5
Views: 9979


That is great. One of the most important lessons I think that we can teach our children is how to live frugally, save well and not get into debt. This means that they will have the opportunities of building up a good retirement sum.

 Forum: Success Stories   Topic: Saving for a baby.

Posted: Sun Mar 09, 2008 4:28 am 

Replies: 16
Views: 15723


That is fantastic, well done. I have twin toddlers and am self-employed. I was not earning much before they came along and I am workig form home, looking after them full-time and am still managing to earn enough to pay significant chunks off my mortgage each month. You may be able to be a stay at ho...

 Forum: Success Stories   Topic: Mortgage under $10K

Posted: Sun Mar 09, 2008 4:26 am 

Replies: 12
Views: 10731


Wow that is fantastic. It is my goal to have our mortgage paid off in 5 years. We still owe £91800 and the interest is nearly £500 a month. My husbands salary covers the interest and our bills as well as some savings so I am working as hard as I can so that I can put every penny I earn towards payin...

 Forum: Success Stories   Topic: I was 18 with $6k in credit cards > 19 almost 20 now.

Posted: Sun Mar 09, 2008 4:24 am 

Replies: 12
Views: 12778


Sounds like you are doing the right thing. I imagine that it is very exhusting but you must be really focussed to be working so hard - good for you and keep it up!

 Forum: Success Stories   Topic: My Story

Posted: Sun Mar 09, 2008 4:22 am 

Replies: 3
Views: 6734


Wow what a fantastic story. It sounds like you are doing all of the right things. I have had my mortgage for 6 years and only paid 1/1oth of it off but plan to pay the rest of in the next 5 years. I have managed to find some work which is paying well and we have cut down all of our spending and incr...

 Forum: Success Stories   Topic: Debt-Free!

Posted: Sun Mar 09, 2008 4:20 am 

Replies: 13
Views: 12258


That is fantastic, well done. I always find it very inspiring when I read suces stories - I am trying hard to pay off my mortgage and when I hear of other people paying off debts quickly it makes me realise that I can do it too.

 Forum: Personal Development   Topic: How to Stay Focused

 Post subject: How to Stay Focused
Posted: Sun Mar 09, 2008 4:18 am 

Replies: 7
Views: 7185


I find that when I first set a goal I am totally commited for a while. However, after a while I have trouble staying focussed. Does anyone have any tips on how I can keep my focus?

 Forum: Personal Development   Topic: Lifting weights is frugal

Posted: Sun Mar 09, 2008 4:17 am 

Replies: 21
Views: 14666


What an interesting post, I had never thought about exercise being frugal. I guess it makes sense if you think that you are less likley to get unwell and so you will have less medical expenses, less time off work from illness etc. In the UK you can also get cheaper life insurance if you can prove th...

 Forum: Personal Development   Topic: Favorite Self-Improvement Books?

Posted: Sun Mar 09, 2008 4:14 am 

Replies: 50
Views: 40637


My favourite books are definately the Mindstore series by Jak Black. He uses techniques similar to those described by Napoleon Hill but he packages them in a way that I find easy to understand and use.

 Forum: Personal Finance   Topic: depressed about giant educational loans

Posted: Sun Mar 09, 2008 4:13 am 

Replies: 13
Views: 4757


I can understand how this must be very depressing. I have a £100,000 mortgage and I am desperate to pay it off but the interest is high. It sound slike you have tried everything to reduce the interest as much as you can. I would therefore just concentrate on paying off as much as you can each month....

 Forum: Personal Finance   Topic: Money Saving Tips

Posted: Sun Mar 09, 2008 4:06 am 

Replies: 9
Views: 4390


What a great article. I would say that the most important thing you mention is to set a goal. It can get quite tough, saving money, especially if there are sales on or you see something that you really want to buy. If you have a goal and know in your mind why you are doing this then it will help to ...
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