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A place for Get Rich Slowly readers to ask questions
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It is currently Fri Sep 30, 2016 4:48 am

Viewing profile - plonkee

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Joined: Thu Apr 05, 2007 1:25 am
Last visited: Mon Mar 09, 2009 6:54 am
Total posts: 458
[0.51% of all posts / 0.13 posts per day]
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Most active forum: Personal Finance
[ 242 Posts / 52.84% of user’s posts ]
Most active topic: $55,537 in unsecured debt - now down to $0!!!!!!!!!
[ 12 Posts / 2.62% of user’s posts ]



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Location: England
Website: http://www.plonkee.com


In mathematics you don't understand things. You just get used to them. John von Neumann

http://plonkee.com and http://thereligiousatheist.com

plonkee Posts

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 Forum: Personal Finance   Topic: How do you keep your food budget low?

Posted: Wed Sep 23, 2009 1:20 pm 

Replies: 30
Views: 11109

I spend in the region of £30-£40 a week on groceries (the equivalent of about $200-$250 a month). I don't eat brilliantly. I live on my own, and at the moment I spend for sure: 600g speciality cheese ~ £4.50 1/2 french stick ~ £0.40 bag apples or bananas (about 7) ~ £1.25 12 flapjacks / cereal ...

 Forum: Personal Finance   Topic: Should I pay off my student loan?

 Post subject: Re: DEFFERED LOAN...
Posted: Mon Mar 09, 2009 6:54 am 

Replies: 13
Views: 4804

Deffer it and forget about it for at least 5 years or so..I would just keep defferring it until the day I die and call it a day b.c. I feel the Goverment should provide free education like in the UK !! In the UK, the government does not provide free university level education. It's much less expens...

 Forum: Personal Finance   Topic: UK Personal Finance Help needed!

Posted: Fri Feb 27, 2009 2:45 pm 

Replies: 3
Views: 2212

The type of bond referred to is a misnomer. It's really more like a CD. Anyway, you can transfer your ISA to a another one that pays better interest. Marks and Spencer do one at 3.1% that's instant access, or you can get 3.2% tied up for a year with Norwich & Peterborough BS. If you take the mon...

 Forum: Personal Finance   Topic: Is never having a credit card an option?

Posted: Wed Jan 28, 2009 10:32 am 

Replies: 21
Views: 7207

I'm 28 years old and have never had a credit card. I do have a good credit history and a very good credit score. How did I accomplish this without a credit card? My parents co signed for my first car which I made payments on. I never missed a payment nor was I ever late on a payment. After this I h...

 Forum: Personal Development   Topic: advice on my crossroads please

Posted: Fri Jan 23, 2009 6:29 am 

Replies: 5
Views: 5534

Generally, it sounds like a good idea to go to college and finish your degree. Given that bachelors degrees seem to be required I don't think that on balance you will be worse off than you would be by trying to get a new job now. OTOH I'd still keep an eye out and apply for interesting jobs between ...

 Forum: Personal Finance   Topic: Mother and retirement

Posted: Fri Jan 23, 2009 6:22 am 

Replies: 8
Views: 3288

I'd guess that the current $21k will grow to something in the region of $30-$40k over the next 12 years assuming that they continue to put money in every month. That would give them a supplemental income of around $100 a month after tax. Their current income is something like $3k a month between the...

 Forum: Personal Finance   Topic: How to fund a move to cheaper rental accomodation?

Posted: Mon Jan 12, 2009 5:46 am 

Replies: 13
Views: 4039

I think that you are right about how you would fund a move. It might be a good idea to (mentally) save up enough money to move anyway as soon as possible. The best way to reduce frugality burn out is to save money on the things that you don't think about - like rent, utilities, etc. Have you been to...

 Forum: Personal Finance   Topic: Maximizing 25k tax free money

Posted: Thu Jan 08, 2009 4:45 pm 

Replies: 5
Views: 2709

If you are like me, take $250-$500 and spend it on something that you really want - that way you won't begrudge being more sensible with the rest of the money, which should really go towards the car loan and the student loan payment.

 Forum: Personal Finance   Topic: Some advice please

Posted: Wed Jan 07, 2009 4:14 pm 

Replies: 12
Views: 5189

If you're being honest with yourself about the cheaper rent, and the moving costs (if total rent is $500 pcm now, will it cost you $1200 to move?) then it's a wash. If you can really afford to stay in the apartment, then do so. It sounds like your budget is perfectly doable.

 Forum: Personal Finance   Topic: Lifestyle

Posted: Tue Jan 06, 2009 2:03 pm 

Replies: 11
Views: 4690

Do you have anything you want to save for? Are you on target to retire at a reasonable age? Will you be able to fund a house downpayment in 5 years time if you keep saving like this? Will you be able to replace your car when it dies? Do you have a fully funded emergency fund? If you are meeting all ...

 Forum: Personal Finance   Topic: How to Deal with a Partner with Differing Money Views

Posted: Tue Jan 06, 2009 1:58 pm 

Replies: 15
Views: 5462

He sounds not as clued up as he should be. :? Honestly, part of the things with mostly separated finances is that you have to let your other half do their own thing with their own money. But, if you're in charge of the joint finances, why not establish a joint emergency fund covering house things - ...

 Forum: Personal Finance   Topic: Hypothetical situation

Posted: Tue Jan 06, 2009 1:45 pm 

Replies: 17
Views: 5532

I certainly wouldn't be worried.

This is probably enough money to live on *forever*, and there's still a reverse equity mortgage, cutting expenses, tapping into the retirement funds etc to go.

Is there room for me on the beach?

 Forum: Personal Finance   Topic: Do you want children?

Posted: Mon Jan 05, 2009 2:31 pm 

Replies: 43
Views: 10311

Another woman who doesn't want kids here. In my normal life, when it comes up that I am planning on staying childfree, I don't get adverse comments. Probably because the know better ;) My mother thinks that I shouldn't have kids. She certainly doesn't think I should have them if I don't want them. M...

 Forum: General Discussion   Topic: A National Healthcare Program Would Cripple The Economy

Posted: Tue Dec 23, 2008 6:52 am 

Replies: 216
Views: 65955

What I think could be sensible is a list of treatments, in order, that people (taxpayers) are willing to pay for. Then we could use projected costs plus a cap on the amount spent on healthcare to define what is and what is not covered. No matter what system you choose there is never a bottomless pit...
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