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It is currently Mon Jul 25, 2016 1:05 pm



Viewing profile - Sam

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Sam
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Joined: Sun Apr 29, 2007 8:11 am
Last visited: -
Total posts: 1109
[1.25% of all posts / 0.33 posts per day]
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Most active forum: Personal Finance
[ 530 Posts / 47.79% of user’s posts ]
Most active topic: $55,537 in unsecured debt - now down to $0!!!!!!!!!
[ 113 Posts / 10.19% of user’s posts ]

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Sam

http://adventures-of-sam.blogspot.com
(Follow Sam's financial and real estate adventures.)

Sam Posts

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 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: 2016 updates
Posted: Thu May 19, 2016 11:21 am 

Replies: 75
Views: 44015


(1) Max out 401k for each of us, the limits have not changes so that is $18,000 for each of us for a total of $36,000. $13,860 (2) Fund 2016 IRAs $11,000 for the both of us. $21 (3) Baby Sam's college fund, add another $5000 this year. $1900 (4) Add to emergency fund, $10,000. $4400 Total Goal: $ 62...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Wed May 18, 2016 8:48 am 

Replies: 399
Views: 120112


Great progress. I'm starting to get back on the prepay train. I've been off it since we (1) refinanced to 2.75% and went down to a 15 year mortgage from a 25 year mortgage and (2) had a baby which brought along lots of expenses. I'm thinking of getting back on b/c our insurance has gotten so expensi...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: 2016 goals
Posted: Wed Jan 27, 2016 6:18 am 

Replies: 75
Views: 44015


Updates to our 2016 plans/goals: (1) Max out 401k for each of us, the limits have not changes so that is $18,000 for each of us for a total of $36,000. Automatic payroll debits are in place. (2) Finish funding 2015 IRAs $8900, must be funded by 4/15/16. That will require some heavy upfront savings o...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu Dec 03, 2015 2:44 pm 

Replies: 239
Views: 90045


One of my wise elders has been counseling us that we need to be putting money into a regular brokerage fund, not just our tax advantaged 401ks and IRAs. We did do a small brokerage fund for a couple of years but eventually spent the money on other priorities. We need to get back to this goal as well...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: 2016 planning
Posted: Thu Dec 03, 2015 11:28 am 

Replies: 75
Views: 44015


Trying to get ahead of 2016 (since we were so far behind on 2015 due to new baby). Tentative goals: (1) Max out 401k for each of us, the limits have not changes so that is $18,000 for each of us for a total of $36,000. Automatic payroll debits are in place, will just need to check them in Jan. (2) F...

 Forum: Fiscal Fitness Journals   Topic: Payoff Home or Wait!

 Post subject: Re: Payoff Home or Wait!
Posted: Tue Dec 01, 2015 11:03 am 

Replies: 3
Views: 3893


I'd say depends on what your interest rate is on the mortgage. We were paying ahead on our mortgage for many years, but then a couple of years ago refinanced to a 2.75 rate and cut off 7 years of the term. Since then we really have not paid extra on the mortgage (prioritizing other goals) but with t...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: December update
Posted: Tue Dec 01, 2015 10:35 am 

Replies: 75
Views: 44015


Did a long post on our 2015 savings and debt killing goals over on my blog. http://adventures-of-sam.blogspot.com/2015/12/end-of-year-updates.html 2015 was not a banner year for us as far as finances (it was in almost every other way, hence the lack of financial focus), but still did pretty good. St...

 Forum: Personal Finance   Topic: why I am a landlord...

 Post subject: Re: why I am a landlord...
Posted: Tue Sep 22, 2015 7:55 am 

Replies: 12
Views: 5715


There are pros and cons to being a landlord, just like there are pros and cons to owning other investments. We have three investment properties and a plot of undeveloped land. On the plus side, the tenants help to pay or do pay for the investment. That is the big positive. Real estate can also provi...

 Forum: Fiscal Fitness Journals   Topic: Apples Student Loans Payoff

Posted: Fri Aug 14, 2015 12:02 pm 

Replies: 85
Views: 37073


Congrats Apples, in 2007 (our first year of marriage) we paid off $55,000+ in unsecured debt. About half of that was Mr. Sam's MBA student loan debt. There is a thread here on that paydown. I can tell you that tackling that debt killing together our first year, was a great way to get on track with a...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

Posted: Fri Aug 14, 2015 11:56 am 

Replies: 75
Views: 44015


This is just our savings efforts, will post debt killing efforts later (can't update at present b/c I'm missing a chart). (1) Max out 401ks: $22,852 (Goal $36,000). 63% (2) Max out IRAs: $2,104 (Goal $11,000). 19% (3) College fund for Baby Sam: $2622 (Goal $5,000). 52% (4) Add to emergency fund: $6,...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: 2015 Savings goals
Posted: Tue May 19, 2015 11:11 am 

Replies: 75
Views: 44015


(1) Max out 401ks: $14,427 (Goal $36,000). (2) Max out IRAs: $2,100 (Goal $11,000). (3) College fund for Baby Sam: $2200 (Goal $5,000). (4) Add to emergency fund: $4,000 (Goal $10,000) (4) Pay off baby debt: $4122 , current balance $2888 (Goal $0, started with $7000). (5) Pay off Mr. Sam's truck loa...

 Forum: Fiscal Fitness Journals   Topic: Lanthiriel's 2013 Fitness Journal

Posted: Fri Apr 10, 2015 7:08 am 

Replies: 99
Views: 49052


I never wanted kids until, drum roll, I did. Mr. Sam has always been ambivalent and I have always been focused on my career. We spent a lot of time in school, got married late, enjoyed our dual income, no kids (DINKs) lifestyle, doted on my nephew, niece, god-daughter and her sister, etc. Then one d...

 Forum: Fiscal Fitness Journals   Topic: FarmGirl's Financial Goals

Posted: Tue Apr 07, 2015 8:40 am 

Replies: 176
Views: 49356


Next on the to do list is to work on trim. But we no longer have a miter saw, and don't know anyone who has one we could borrow. Arg. Looks like I will have to buy one. Hopefully a used on. It's holding up progress. If you just have one project, see if you can rent a miter saw. We have an Ace Hardw...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

Posted: Fri Mar 27, 2015 6:40 am 

Replies: 75
Views: 44015


Just wanted to pop in and say congratulations to the addition to your family! How exciting! Some things are more important than money. I enjoy reading about your progress, you both seem to work together as a team, but also take time to smell the roses. Thanks PG. We have been smelling roses for the...
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