dcsimg The Get Rich Slowly Forums • Viewing profile - sandi_k

  GRS Home  Forum Home
Bank Rates Center
   Savings Account Rates
   Money Market Rates
   Highest CD Rates
Insurance Rates Center
  Auto           Health
   Life              Home
Mortgage Rates Center
  Mortgage Rates
  Mortgage Quotes

Last visit was:
A place for Get Rich Slowly readers to ask questions
and exchange ideas
It is currently Mon Jun 27, 2016 12:39 am



Viewing profile - sandi_k

Board presence

User statistics

sandi_k
Offline
Joined: Tue Aug 05, 2008 3:22 pm
Last visited: Mon May 25, 2015 4:07 pm
Total posts: 548
[0.62% of all posts / 0.19 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 260 Posts / 47.45% of user’s posts ]
Most active topic: Sandi's Goals for 2009
[ 26 Posts / 4.74% of user’s posts ]

Contact

Profile

E-mail address:
PM: Send private message
MSNM/WLM:
YIM:
AIM:
ICQ:
Jabber:
Groups:
Location: Northern CA
Occupation:
Interests:
Website:

sandi_k Posts

Search found 548 matches
Search these results:

Author Message

 Forum: Personal Finance   Topic: Interest rate question

 Post subject: Re: Interest rate question
Posted: Sun Oct 03, 2010 10:52 am 

Replies: 6
Views: 1500


4.5% of $4K over 15 years? Waaaayyyy more money than the 2 months of 5.4% annual interest... In general, I think it's of much more value to pay down principle on a mortgage in the early years. Umm, no. Without fail, it is always best to pay down the debt with the higher interest rate. simply do the...

 Forum: Personal Finance   Topic: Interest rate question

 Post subject: Re: Interest rate question
Posted: Sat Oct 02, 2010 11:02 am 

Replies: 6
Views: 1500


I agree with you. You don't say if you have a 15 year or 30 year mortgage, but simply do the calcs - 4.5% of $4K over 15 years? Waaaayyyy more money than the 2 months of 5.4% annual interest. And the numbers are even stronger with the pay-down of a 30 year note. In general, I think it's of much more...

 Forum: Personal Finance   Topic: how would you fund a house remodel?

Posted: Fri Oct 01, 2010 5:15 pm 

Replies: 14
Views: 2086


PG, we've done both A) and C). In regards to A - When we did our kitchen, we took out a SMALL amount in a cash-out refinance ($15K - around here, kitchens typically cost $60K+!) Then we did most of the work ourselves, especially demo and restoration of the cabinets. We hired out the countertop (did ...

 Forum: Fiscal Fitness Journals   Topic: Sandi's Plans, 2010...

 Post subject: Re: Sandi's Plans, 2010...
Posted: Tue Sep 28, 2010 9:52 am 

Replies: 32
Views: 11659


Late September Update: OK, things have been so chaotic this past 2 months I thought it was time to re-draw the slate.... Car sold. Yay. Worker's Comp settlement signed. After 10 years. Yay! DFriend passed away. Left a small amount of LI to me. All of this has meant unexpected income. My plan.... Car...

 Forum: Personal Finance   Topic: Budgeting for Periodic Expenses

Posted: Tue Sep 21, 2010 9:20 am 

Replies: 12
Views: 1759


I list out all of our "wants" annually, and assign a reasonable price tag for them. Then we prioritize. For example, last year we wanted a new couch, and we did some house repair (new kitchen porch, new concrete driveway). We also wanted to take a vacation, and upgrade our "vacation v...

 Forum: Fiscal Fitness Journals   Topic: financial health <=> mental health

Posted: Thu Sep 09, 2010 8:12 pm 

Replies: 32
Views: 12425


I moved out at 17, due to feeling like I was about to explode with frustration at my mom and our inability to get along.... In your case, I'd do whatever it takes to move out. Life is sooooo much better when you're the one making your own decisions. Things I did included finding a friend with whom t...

 Forum: Personal Finance   Topic: Battling Lifestyle Inflation

Posted: Thu Aug 26, 2010 8:32 am 

Replies: 6
Views: 1669


If you have any advice on ways to cut back or tips on motivating yourself to be a better consumer I would greatly appreciate it. Thanks for reading. 1) Automate your savings. If it disappears from your newly-inflated paycheck, you won't fritter it away. IIWY, I'd set up a "moving out" sav...

 Forum: Fiscal Fitness Journals   Topic: Our Financial Journey

 Post subject: Re: Our Financial Journey
Posted: Mon Aug 02, 2010 9:58 am 

Replies: 8
Views: 3580


When we were trying to whittle down our mortgage towards a 15 year, we refi'd to a 20 year as an interim measure. It reduced the interest amount paid significantly, but wasn't as expensive as a 15 year option.

You might look into it....

Sandi

 Forum: Personal Finance   Topic: Creating a financial plan

Posted: Fri Jul 30, 2010 9:08 am 

Replies: 16
Views: 3331


1) Set priorities. For me, it's always been meeting my bills, paying off debt, saving for vacation/car/home improvements, and retirement. Not always in that order. 2) Play carefully with the money you have. Money hacks (like only spending $50 per week, taking the debit card and CCd out of your walle...

 Forum: News & Announcements   Topic: Forum Questions? Problems? Shout-Outs of Love? Right here.

Posted: Fri Jul 30, 2010 9:03 am 

Replies: 63
Views: 455526


OK, still a problem with getting kicked off randomly. This has been going on for nearly a month. The disincentive to even visit the forums to try and read/comment is getting higher.... I find myself looking for other sites instead, since logging on is now such a consistent PITA - which is awful, sin...

 Forum: News & Announcements   Topic: Forum Questions? Problems? Shout-Outs of Love? Right here.

Posted: Tue Jul 20, 2010 9:43 am 

Replies: 63
Views: 455526


Hi Jericho: For about 3-4 weeks now, I can log onto the forums. But whenever I click on any of the navigation links, I get logged off. I'm not the only one - Sam noted this in her latest fiscal journal, and another poster mentioned it last week. FTR, I'm using Firefox on a PC at work. I also use Fir...

 Forum: Fiscal Fitness Journals   Topic: Cranky's attempt at a budget/introduction

Posted: Thu Jul 15, 2010 2:43 pm 

Replies: 85
Views: 30645


Awesome news, Cranky!

 Forum: Fiscal Fitness Journals   Topic: Sandi's Plans, 2010...

 Post subject: Re: Sandi's Plans, 2010...
Posted: Wed Jul 14, 2010 1:59 pm 

Replies: 32
Views: 11659


July update... - Fully max out my 403(b) account! $1375/month x 12 = $16,500 in retirement savings! $9,625/$16,500 = 58%. On track for year, in addition to another 2% towards my pension plan, and another $6K towards the 457(b) plan. I also hope to max out a Roth again this year. Next year, I'm movin...

 Forum: Fiscal Fitness Journals   Topic: Make an actual budget, Catch up on bills and Pay off CC debt

Posted: Thu Jun 24, 2010 3:53 pm 

Replies: 132
Views: 31149


Yay! Yay! Yay!

You did it!

Great job - you were so skeptical in the beginning, and your results happened anyway!

Hope your wife is feeling chipper soon...

Sandi
Page 1 of 37 [ Search found 548 matches ]




Jump to:  
Powered by phpBB © 2000, 2002, 2005, 2007 phpBB Group
Theme created StylerBB.net & kodeki