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Viewing profile - partgypsy

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partgypsy
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Joined: Wed Mar 26, 2008 1:35 pm
Last visited: Mon Aug 03, 2015 11:01 am
Total posts: 502
[0.56% of all posts / 0.17 posts per day]
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Most active forum: Personal Finance
[ 260 Posts / 51.79% of user’s posts ]
Most active topic: The year of increasing the emergency fund
[ 162 Posts / 32.27% of user’s posts ]

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partgypsy Posts

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 Forum: Fiscal Fitness Journals   Topic: It was all going so well...

Posted: Tue Jul 14, 2015 7:22 am 

Replies: 4
Views: 1627


Sounds like you are in a tough position. Sounds like you either need to get a large sum of money so you don't need a mortgage, or a steady job/income in order to qualify for a mortgage. I don't know about the laws in Ireland to give any other advice. I would try to talk him down on the price, and re...

 Forum: Fiscal Fitness Journals   Topic: FlyingPig's $100,000 Challenge for 2015

Posted: Tue Jul 07, 2015 11:26 am 

Replies: 13
Views: 4117


Seems somewhat odd to me: three savings accounts with such wildly different amounts in them, and a drained "emergency fund" separate from them. My guess is that each of them is earmarked for something specific that you've not mentioned ("sinking funds" or "reserves"), ...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Tue Jul 07, 2015 11:10 am 

Replies: 471
Views: 97495


JAN INGO 6604 OUTGO 5048 (+1556) FEB INGO=7366 OUTGO=3283 (+4083) MAR INGO=5644 OUTGO=4071 (+1573) APR INGO =5989 OUTGO=7072 (including 2650 summer program, 360 camp) = -1083 (also 15213 for roof taken out of efund and checking) MAY INGO=5216 OUTGO=5766 (-552) (1287 travel) JUNE INGO=6677 OUTGO=3702...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Wed Jul 01, 2015 2:22 pm 

Replies: 471
Views: 97495


Thanks apples. I feel a bit disheartened, in that our finances are better that my husband is picking up more work, but as we are on opposite schedules, not ideal for me (more childrearing, less social life or private downtime). So I will look forward to the fact it shouldn't be like this forever, an...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Tue Jun 23, 2015 9:31 am 

Replies: 471
Views: 97495


Well after much reviewing and introspection, applied for financial aid for child to go to the school year version of the summer program she is enrolled in. The situation right now, if nothing else is done, she will be held back for 3rd grade. As she is already old for her grade level, that would not...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Thu May 21, 2015 11:29 am 

Replies: 471
Views: 97495


Yes, that even if we had big expenses, we had the means to pay them off. Paying off last of summer program tuition tomorrow :clap: . And I'm grateful we didn't have to go into debt to take care of these things.
Onward and upward!

 Forum: Personal Finance   Topic: beating average returns

 Post subject: Re: beating average returns
Posted: Fri May 15, 2015 10:21 am 

Replies: 12
Views: 2804


If you want to get into a more detailed discussion/analysis of this, read Bogleheads. There are many people far smarter than you and I who have tried, and failed to beat the stock market over long periods of time. https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy "Saving re...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Fri May 15, 2015 9:08 am 

Replies: 471
Views: 97495


Thanks! I think the roof+ fascia repair has been the most expensive for us as well with other big ticket items being back porch (14K) windows (14K) heating and cooling (8K) kitchen (7K) master bath and bedroom (7K), the rest smaller amounts. The last year especially have been a roller coaster of exp...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Thu May 14, 2015 12:26 pm 

Replies: 471
Views: 97495


JAN INGO 6603.93 OUTGO 5048.42 (+1555.93) FEB INGO=7365.88 OUTGO=3283.22 (+4082.66) MAR INGO=5643.79 OUTGO=4070.97 (+1572.82) APR INGO =5989.1 OUTGO=7071.55 (includes 2650 summer tuition, 360 camp) = -1082.68 15213 for roof, paid off! We have about 1K left over in fund, plus the 2K cd, which is the ...

 Forum: Personal Finance   Topic: Writing will to maximize financial aid w/o hurting guardian

Posted: Tue Apr 14, 2015 9:24 am 

Replies: 3
Views: 1267


I agree about getting life insurance, not just for your son but if you or spouse dies first. Primary use of life insurance is to provide for remaining spouse, and also for child in event the other partner dies, so there is not extreme financial hardship. Second if both of you die, you may die next y...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Wed Apr 08, 2015 12:26 pm 

Replies: 471
Views: 97495


Reading this over realize beach trip is most likely a no go.

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Wed Apr 08, 2015 12:20 pm 

Replies: 471
Views: 97495


Almost don't feel like posting because may jinx it, but here are 2015 numbers. JAN INGO 6604 OUTGO 5048 (+1556) FEB INGO=7366 OUTGO=3283 (+4083) MAR INGO=5644 OUTGO=4071 (+1573) Husband working more, and I am trying not to spend as much. Our ingo has increased, and the miscellaneous spending has dec...

 Forum: Fiscal Fitness Journals   Topic: Eagle Soaring Higher

 Post subject: Re: Eagle Soaring Higher
Posted: Wed Apr 08, 2015 12:04 pm 

Replies: 172
Views: 36642


Great progress! As far as property taxes, while they are adjusted every year (upwarded), ours get re-assessed every 10 years. Usually at that time there is a big jump, for us it was double. So maybe that is what happened. My mother was very vigilant about property tax increases and regularly contest...

 Forum: Personal Finance   Topic: Has anyone else overcome major spending problems?

Posted: Fri Mar 27, 2015 12:39 pm 

Replies: 3
Views: 1311


I wouldn't say I've had to overcome major spending problems, but I do feel like I have somewhat of a spending problem. Basically whenever I had "extra" money in the account, could always think of things to spend it on. Not like it's gone away, but some of the things I did, is take the mone...
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