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Viewing profile - amyrobynne

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amyrobynne
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Joined: Sun Aug 03, 2008 7:17 pm
Last visited: Wed Mar 17, 2010 9:10 pm
Total posts: 138
[0.16% of all posts / 0.05 posts per day]
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Most active forum: Personal Finance
[ 103 Posts / 74.64% of user’s posts ]
Most active topic: Amy's finance goals and progress
[ 16 Posts / 11.59% of user’s posts ]

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Location: MN
Occupation: SAHM/knitter/independent researcher
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Website: http://againstthegrain.typepad.com

amyrobynne Posts

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 Forum: Personal Finance   Topic: How much money did you spend on Christmas?

Posted: Fri Jan 08, 2010 10:14 pm 

Replies: 29
Views: 3683


$500, all saved in a sinking fund over the course of the year. That's on two kids, two family gift exchanges where my husband and I were each supposed to spend $50 (so $200 just on those), a few nieces and nephews, and my parents, sister, and BIL. I gave home canned food and cookies to lots of extra...

 Forum: Personal Finance   Topic: Financial obligations of a parent

Posted: Fri Nov 20, 2009 4:54 pm 

Replies: 14
Views: 2515


My husband's parents took on some parental loans for his in-state 4 year degree while my husband paid some tuition using money he'd earned and 20K in his own loans. His parents didn't pay anything out of pocket and I'm guessing their loans were less than my husband's. 7 years later and we're about t...

 Forum: Personal Finance   Topic: Property Taxes

Posted: Sat Aug 22, 2009 9:25 pm 

Replies: 8
Views: 2233


Mine went up even though the property's assessed value dropped slightly because of school referendums that passed. I'm glad the schools won't go down the tubes, I guess.

 Forum: Personal Finance   Topic: Anyone borrowed/rented a car from family?

Posted: Sat Aug 08, 2009 12:03 am 

Replies: 2
Views: 978


The reason we would want the Echo for a year is that we expect to have a third child within the next year or two and want to get a bigger car shortly thereafter. My husband's car died in May -- we were hoping it would hold out another year. We haven't saved enough money to get a minivan or similar y...

 Forum: Personal Finance   Topic: Anyone borrowed/rented a car from family?

Posted: Thu Aug 06, 2009 8:52 pm 

Replies: 2
Views: 978


We need another car and one of our options is to take my SIL's Toyota Echo. If there's a legal way to deal with insurance, she's offered to rent it to us. If that isn't possible, we can buy it outright. We can afford either option. Both of us are planning to get different cars in a year or so, so re...

 Forum: Personal Finance   Topic: Curious if there are lower income people on the board...

Posted: Thu Jul 23, 2009 10:03 pm 

Replies: 27
Views: 5510


I just ran through our probable tax situation for 2009 because I'm self-employed and need to figure out whether to pay estimated quarterly tax/increase my husband's withholding. Last year, our family AGI was under $40K -- I started my parttime independent contractor position in June '08 and began do...

 Forum: Personal Finance   Topic: Curious if there are lower income people on the board...

Posted: Mon Jul 13, 2009 9:51 pm 

Replies: 27
Views: 5510


I've got a lot in common with you, Chelle. Parents about 30, two kids ages 5 and 3, expecting to have another baby within the next year or two. My husband makes 40K, but around 6K goes to health insurance. I make maybe 8K as an independent contractor doing work from home. A few years ago, I was able...

 Forum: Personal Finance   Topic: High school reunion... yikes!

Posted: Fri Jul 10, 2009 9:25 pm 

Replies: 26
Views: 4879


reason58 wrote:
$20 for an open bar? I wish I went to your high school!


There were some qualifiers on that -- after a couple hours we had to pay and I'm not sure if all drinks were available. But definitely a good deal!

 Forum: Personal Finance   Topic: High school reunion... yikes!

Posted: Fri Jul 10, 2009 8:13 pm 

Replies: 26
Views: 4879


My upper-middle class suburban midwestern high school's 10 year class reunion in 2007 was $20/person and included an open bar and appetizers at a classy downtown bar. No dinner or dancing. There was a pretty good turnout (my class had 450 graduates and I'd guess 150 people came) and the "free&q...

 Forum: Fiscal Fitness Journals   Topic: Nottheangel's Fiscal Fitness Journal

Posted: Wed Jul 01, 2009 5:16 pm 

Replies: 85
Views: 41946


I have the same issue with Craigslist responders actually showing up. Boo.

I have two flutes I never use in the closet.

 Forum: Personal Finance   Topic: Food Budet, what do you spend?

Posted: Tue Jun 30, 2009 2:28 pm 

Replies: 20
Views: 3386


We have about $550 budgeted for food (and the other things you'd get like alum. foil and shampoo) monthly. About half of that is spent at the grocery store and the rest is spent at farmer's markets, pick-your-own farms, our CSA share, dry food co-ops, etc. We eat largely organic but don't pay full p...

 Forum: Personal Finance   Topic: Cancelling PMI

Posted: Mon Jun 22, 2009 8:18 pm 

Replies: 7
Views: 1879


You probably can't refinance until the mortgage is less than the appraised value. I think you could cancel the PMI when the mortgage goes down to 200K, according to that site. It's likely that you wouldn't be able to refinance until the mortgage is down to 80% of the appraised value, but I'm not sur...

 Forum: Personal Finance   Topic: How Low Does Your Checking Account Get?

Posted: Wed Jun 17, 2009 9:22 am 

Replies: 53
Views: 19033


I aim to keep $200-$300 in checking at the lowest. In practice, it rarely goes lower than about $1000 because of the schedule we pay bills and have income direct deposited. $200 because I don't want to worry if small, unexpected bills come up. I can use the rarely-used credit card if there's somethi...

 Forum: Personal Finance   Topic: How long did it take you to pay off your student loans?

Posted: Sat May 23, 2009 3:11 pm 

Replies: 16
Views: 5527


We're expecting to pay off my husband's student loans this summer. They're from his bachelor's degree, which he got in 2002, but were deferred as he got his teaching license (paid for that as he went along) between 2003-2005. There was a private loan for $5000 that we paid off maybe before the defer...
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