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A place for Get Rich Slowly readers to ask questions
and exchange ideas
It is currently Sun Sep 25, 2016 12:09 pm

Viewing profile - Tightwad

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Joined: Mon Nov 01, 2010 5:15 pm
Last visited: Sun Jan 03, 2016 6:45 pm
Total posts: 1356
[1.52% of all posts / 0.63 posts per day]
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Most active forum: Personal Finance
[ 1117 Posts / 82.37% of user’s posts ]
Most active topic: Depressed about my financial situation - or should I be?
[ 14 Posts / 1.03% of user’s posts ]



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Tightwad Posts

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 Forum: Personal Finance   Topic: Facing a mountain....

 Post subject: Re: Facing a mountain....
Posted: Sat Nov 28, 2015 9:01 pm 

Replies: 6
Views: 8358

The first thing I'd do is get rid of the auto loans by selling the car & driving a beater until this is over. Are there any 0% credit card offers that you can consolidate balances onto? This will help you on interest for the short term. Can your wife get a second job as well? Most importantly, h...

 Forum: Personal Finance   Topic: Is emotion blocking a better way of life?

Posted: Thu Nov 19, 2015 10:10 am 

Replies: 11
Views: 10075

In order to make the best decision you need to divorce your emotions from your money before you go any further. I don't think it's as simple (or true) as that. We spend money on things we like, love, enjoy, desire, crave. If we segregated money from emotions and only did what was best for our finan...

 Forum: Personal Finance   Topic: Is emotion blocking a better way of life?

Posted: Wed Nov 18, 2015 6:21 pm 

Replies: 11
Views: 10075

In order to make the best decision you need to divorce your emotions from your money before you go any further.

 Forum: Personal Finance   Topic: How to save money before tax?

Posted: Tue Nov 17, 2015 8:05 am 

Replies: 12
Views: 6861

RayinPenn wrote:
VinTek wrote:
Seriously, just live within your means.

Respectfully, I think it would be prudent and even better to live below your means. Then perhaps you won't need to borrow.

I have also been scratching my head trying to figure out why Sunflower needs the ability to borrow.

 Forum: Personal Finance   Topic: Advice from people who have "walked the talk"

Posted: Mon Nov 16, 2015 12:43 pm 

Replies: 8
Views: 5158

I'd stay in the current home until it is paid off, rent it out (if that interests you), and then build my dream home. At 30, you have plenty of time to get settled like you want. In the meatime, continue to save like crazy towards the new home. Delayed gratification usually is the wiser financial ch...

 Forum: General Discussion   Topic: knees and hips 101

 Post subject: Re: knees and hips 101
Posted: Wed Nov 11, 2015 7:16 am 

Replies: 2
Views: 7596

Good luck with you hips & knees Ray!

 Forum: Personal Finance   Topic: Long-term plan toward home ownership?

Posted: Thu Nov 05, 2015 12:29 pm 

Replies: 20
Views: 11880

What if, instead of a house, I said that I needed to amass $600k in 10 years in order to pay off a Yakuza loan shark? Would everyone chime in with their opinions about the wisdom of taking out loans with the Yakuza? How about a little more problem-solving and a little less moralizing? Pump the brak...

 Forum: Personal Finance   Topic: How do you teach your kids about money?

Posted: Thu Oct 29, 2015 11:14 am 

Replies: 8
Views: 7121

I don't have any kids that I know of so I'm not much help here!

 Forum: Personal Finance   Topic: Advice - 300k

 Post subject: Re: Advice - 300k
Posted: Wed Oct 28, 2015 5:52 pm 

Replies: 7
Views: 4404

I would open up an account at one of the large brokerages (Vangard, Fidelity, TRP, etc) and put the money in index funds. Not just a large brokerage firm. A brokerage firm the has low fees. I'm sure that's what TW meant to say, just clarifying. Absolutely. Thanks for the clarification. I forgot tha...

 Forum: Personal Finance   Topic: Advice - 300k

 Post subject: Re: Advice - 300k
Posted: Mon Oct 26, 2015 11:54 am 

Replies: 7
Views: 4404

So I am going to be selling my stocks that I got from company and should come into roughly 300k after taxes. I am a 45 year old woman - single and no children. I have no immediate need of any funds - zero debt. And a pretty healthy salary and savings account. How should I invest this money? Since w...

 Forum: Personal Finance   Topic: Am I doing life right?

 Post subject: Re: Am I doing life right?
Posted: Mon Oct 26, 2015 8:02 am 

Replies: 14
Views: 7376

You seem to have a good head on your shoulders and are in a decent place financially (minus retirement savings which you mentioned you'll soon be contributing to). The only thing that concerns me is all the talk about combined financial planning with someone who is still at boyfriend status. It's f...

 Forum: Personal Finance   Topic: Pay extra for more long term disability?

Posted: Mon Oct 26, 2015 7:53 am 

Replies: 7
Views: 2594

I'm doing my open enrollment for benefits for 2016. My company provides $30,000 per year of long term disability for free. I can up that to $40,200 for $6.90 every two weeks. Since there is such a low probability that I would ever need this insurance, is it worth the extra money to increase the cov...

 Forum: Personal Finance   Topic: Need advice re: collection not collected - tanking credit sc

Posted: Fri Oct 23, 2015 9:03 am 

Replies: 9
Views: 3478

The collection company that put the collection in my credit never has contacted me either, I guess because I paid as soon as I was aware of the mistake. I'd love to remove that collection from my credit, how can I do that? I suspect they have never contacted you because the debt is not that old yet...

 Forum: Personal Finance   Topic: Renting v/s buying

 Post subject: Re: Renting v/s buying
Posted: Sun Oct 18, 2015 5:01 pm 

Replies: 6
Views: 4711

Just rent. 3 years will be over before you know it.
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