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Viewing profile - michgc

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michgc
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Joined: Tue Mar 10, 2009 11:31 am
Last visited: Thu Feb 25, 2016 12:15 pm
Total posts: 103
[0.12% of all posts / 0.04 posts per day]
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Most active forum: Personal Finance
[ 79 Posts / 76.70% of user’s posts ]
Most active topic: Michele's Fiscal Fitness Journal
[ 10 Posts / 9.71% of user’s posts ]

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Website: http://www.savingmoneyirl.blogspot.com

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Michele
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Buy Used, Invest the Difference

michgc Posts

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

Posted: Thu May 05, 2011 6:25 am 

Replies: 32
Views: 12425


I don't know if you are still on here, but as far as starting your own business, why do you feel like you need to have everything set up perfectly? Why not make do some embroidery and sell them on etsy? That is the perfect starting place with very little start-up costs. You can build yourself up tha...

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

Posted: Wed May 04, 2011 10:29 pm 

Replies: 15
Views: 7777


Just remembered about this board that I posted to a few times and decided to check in again. Interesting to see where we were financially exactly two years ago and where we are now. First, we still haven't moved but definitely see it coming. My husband's company offered him a job in NY but he turned...

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

Posted: Fri Jan 29, 2010 5:43 pm 

Replies: 15
Views: 7777


My husband's company got bought out one year ago. We think there's a chance that they might close his office - potentially moving us somewhere else. If that does not happen, my husband might search elsewhere anyway. He is not thrilled with his job. But of course a job is nothing to sneeze at these d...

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

Posted: Sat Jan 09, 2010 6:53 am 

Replies: 15
Views: 7777


Well, here are our year-end numbers. Our goals from the beginning of the year: --Put $2,000 into each of our 3 children's ESA account - done --Put $5,000 into each of our Roth IRA Account - only contributed $5,000. We will definitely contribute the remaining $5K by April 15. $2K-$3K is going in this...

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

Posted: Fri Oct 02, 2009 5:05 pm 

Replies: 15
Views: 7777


I haven't visited this site in quite awhile, but I figured I'd continue doing quarterly updates to our financial picture. Our goals from the beginning of the year: --Put $2,000 into each of our 3 children's ESA account - done --Put $5,000 into each of our Roth IRA Accounty - have only contributed $2...

 Forum: Personal Finance   Topic: how much of your personal finance business do u tell?

Posted: Wed Jul 08, 2009 11:12 am 

Replies: 14
Views: 2374


I have been a saver most of my life, so I feel funny talking about money, especially bringing it up, because it sounds like I'm bragging. If someone asked me specifically, I'd probably share it with them. Sometimes topics come up in general conversation, like how much we are saving for our kids' col...

 Forum: Fiscal Fitness Journals   Topic: A 30 year old teacher's journal

Posted: Wed Jul 08, 2009 11:02 am 

Replies: 12
Views: 4922


I agree. Why pay down your mortgage when it's a lower interest rate than your car loans? And your mortgage interest is deductible if you qualify. Attack the car loans first.

 Forum: Personal Finance   Topic: So, people, how does your "investing" look now?

Posted: Sun Jul 05, 2009 11:00 am 

Replies: 26
Views: 4478


This was a good mid-year exercise for me to see how our asset allocation looks. These percentages cover all of our investments and savings such as retirement, education funds, emergency fund, and other savings. We are 41 and 42 and expect to retire in about 20 years. We have 3 children whose college...

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

Posted: Thu Jul 02, 2009 6:47 pm 

Replies: 15
Views: 7777


I just reread my initial post and didn't realize I had put out all of our financial figures. Our house value has probably gone down but it's hard to estimate because Zillow and other big sites still have the old square footage on our house when in fact we increased it last year with an addition, so ...

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

Posted: Thu Jul 02, 2009 6:37 pm 

Replies: 15
Views: 7777


Well, I haven't been visiting this board very much lately, but I just did my mid-year review and thought I'd post it here. First, we've had a lot happen in the last three months. I mentioned that my dh's job got taken over as of April 1. Our medical expenses have been higher because of that change. ...

 Forum: Personal Finance   Topic: Tax-free gift from parents for house down payment?

Posted: Tue Jun 02, 2009 12:58 pm 

Replies: 13
Views: 5053


The limit has increased to $12,000 per year for gifts with no tax implications. And your dad and mom can each give you $12,000 (for $24,000 total) without any tax implications on their part (or yours). I don't know anything about #2 - the loans scenario.

 Forum: Personal Finance   Topic: Should I or shouldn't I?

Posted: Wed May 27, 2009 8:09 am 

Replies: 15
Views: 3435


I see no reason not to use the couch money for the amp. Then you will buy the couch when you have the full money. Seems fine to me. I don't compartmentalize all of my expenses like others do, and I do just fine. I think you'll be okay. It's just an extra month or two.

 Forum: Personal Finance   Topic: Savings Accounts for Kids

Posted: Tue May 19, 2009 6:42 pm 

Replies: 9
Views: 2501


You can only open an IRA if you have earned income. So to put $5000 into your child's IRA, he would need to have earned a minimum of $5000 that year (interest or dividend income doesn't count). A spouse is an exception. Only one of you needs to earn income but both husband and wife can contribute to...

 Forum: Personal Finance   Topic: Savings Accounts for Kids

Posted: Tue May 19, 2009 12:54 pm 

Replies: 9
Views: 2501


An ESA is a Coverdell Education Savings Account. It is an account you manage on your own for your child's education. No one manages it for you (like the state or the company it hires does with 529 plans). So you can call Fidelity and set up an ESA for your child or you can go to the bank and set up ...
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