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Viewing profile - kjb516

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kjb516
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Joined: Wed Aug 20, 2008 10:51 am
Last visited: Mon Jan 17, 2011 12:35 pm
Total posts: 14
[0.02% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 8 Posts / 57.14% of user’s posts ]
Most active topic: Back from the brink.
[ 2 Posts / 14.29% of user’s posts ]

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kjb516 Posts

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

Posted: Tue Jun 16, 2009 8:56 am 

Replies: 53
Views: 19032


I have managed to align all of my bills (except my mortgage) so that they are all due the same week which conveniently is just after my mid-month paycheck. This allows me to run my working checking and saving accounts as low as $20 per account without worry. The vast majority of my day-to-day expens...

 Forum: Personal Development   Topic: Versatility at Work

Posted: Tue May 19, 2009 10:33 am 

Replies: 7
Views: 4278


I would have to concur with brad. I have been in the IT field for almost 20 years and worked for 8 companies in that time. With only 1 exception early in my career, every job change was to a very different aspect in the IT field. The fact that I landed all of the other positions came as quite a supr...

 Forum: Personal Finance   Topic: How does your emergency fund look?

Posted: Mon Apr 20, 2009 4:29 pm 

Replies: 45
Views: 11680


enough to cover 10 months expenses.. might be a little too much.. but i need that peace of mind Depending upon your situation, 10 months might not be too much, especially in the current environment. Besides having peace of mind can a very valuable "asset". I'd love to have a year or more ...

 Forum: Personal Finance   Topic: How does your emergency fund look?

Posted: Wed Apr 15, 2009 10:32 am 

Replies: 45
Views: 11680


My emergency fund, begun about one and a half years ago now stands at about 5 1/2 months of basic living expenses. I would have reached my initial goal of 6 months of expenses, but a few months back I shifted a lot of my extra cash into my 401k. I figure that right now would be a good time to buyup ...

 Forum: Personal Finance   Topic: What is your financial goal?

Posted: Mon Apr 13, 2009 10:53 am 

Replies: 17
Views: 4558


what's wrong with those questions Well, I hate that question when it comes from a potential employer. Well of course you are going to say you want to move up in the company. I mean what are you supposed to say - I hope to have enough so I can retire from this job? I want to be on the beach drinking...

 Forum: Personal Finance   Topic: What is your financial goal?

Posted: Fri Apr 10, 2009 4:21 pm 

Replies: 17
Views: 4558


"What is your financial goal?" Recently at work I had to deal with yet more corporate world screwiness when asked to complete my yearly "development plan" for the next year. When reviewing the garbage document I threw together to get my boss off my back he asked me one of those t...

 Forum: Personal Finance   Topic: How do you set your financial goals?

Posted: Sun Mar 15, 2009 11:28 am 

Replies: 4
Views: 1658


I agree with DebtFreeCrusader, but I broke my time lines down a lot more. For example, immediate demands, demands on my next paycheck, next month, next quarter, next six months, next year, 5 years, etc. It also helped me to determine "philosophical" goals, assign relative priorities to the...

 Forum: Success Stories   Topic: I've already spent my tax refunds

Posted: Wed Feb 11, 2009 8:32 pm 

Replies: 4
Views: 5736


Good job! This year I got back over $6,000 which I quickly stuffed into my emergency fund before I got a chance to blow it. Two days later I learned that I am going to have to take a 5% cut in pay for 2009. The security of knowing that I had that difference covered was worth far more than any toy I ...

 Forum: Personal Finance   Topic: Capital One doing the shimy shake with interest rates

Posted: Mon Feb 09, 2009 4:06 pm 

Replies: 4
Views: 1793


I've heard from a number of online sources that Capitol One is jacking up their rates now. Personally, I haven't even got a clue what my interest rate is since I have never carried a balance on this card and I never will. I use my CapOne visa for almost every purchase for the 1% cash back. In my cas...

 Forum: Fiscal Fitness Journals   Topic: Or Bust!

Posted: Fri Oct 03, 2008 4:24 pm 

Replies: 16
Views: 10124


Greetings from Portland! If it is any extra incentive, Oregon is a fantastic place to live, particularly the Portland area. I moved here just over a decade ago from NYC and still love the huge variety of outdoor activities within easy reach. From coastal to mountain to desert are all within reasonab...

 Forum: Success Stories   Topic: Back from the brink.

Posted: Tue Sep 30, 2008 7:18 pm 

Replies: 4
Views: 6728


This evening I was reviewing the spreadsheet I created to track all of my accounts and stumbled across a very interesting discovery. Viewing a graph of the cumulative total balance of all my accounts, I found myself becoming a little disappointed and impatient at my slow, chaotic, upward savings pro...

 Forum: Success Stories   Topic: We're Debt Free

Posted: Fri Sep 12, 2008 4:40 pm 

Replies: 8
Views: 8063


Congratulations!!!! 8) When my debt (besides my mortgage) was paid off and my emergency fund could be rated by how long it would support me in months as versus hours, I began to take a very different look at life and the world around me. No longer do I only plan my future for the next paycheck cycle...

 Forum: Success Stories   Topic: Back from the brink.

 Post subject: Back from the brink.
Posted: Wed Aug 20, 2008 2:00 pm 

Replies: 4
Views: 6728


Late last year I found myself in quite a scary situation. My marriage had hit the rocks, I found that we had far more unsecured debt than I could have imagined with no savings to fall back on; there was a strong possibility that my job was going to be moved off-shore and the resale value of the hous...
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