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Viewing profile - SJean

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SJean
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Joined: Mon May 14, 2007 7:20 pm
Last visited: -
Total posts: 309
[0.35% of all posts / 0.09 posts per day]
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Most active forum: Personal Finance
[ 221 Posts / 71.52% of user’s posts ]
Most active topic: Goals!
[ 12 Posts / 3.88% of user’s posts ]

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Website: http://stackingpennies.wordpress.com

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"Be who you are and say what you feel. Those who matter don't mind, those who mind don't matter"

Check out <a href="http://stackingpennies.wordpress.com"> my blog</a> to hear about my personal finance journey

SJean Posts

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 Forum: Personal Finance   Topic: College

Posted: Wed Oct 22, 2008 9:04 pm 

Replies: 8
Views: 3884


1. Is college going to be a good investment for your career path? It often is, but run the numbers. Just because you don't have to borrow money doesn't mean it pays off. (and if the numbers don't add up, does your personal desire to get your degree outweigh that?) 2. How long will it take to pay of ...

 Forum: Personal Finance   Topic: marriage prep

Posted: Sun Oct 12, 2008 8:21 pm 

Replies: 20
Views: 6828


Even not counting significant assets (or debt), a pre-nup can be a good way to figure out what assumptions you are each making about money. It isn't so much that I disagree with the idea of a prenup even if you both have little assets/debts, but I believe many states require each party to get a law...

 Forum: Personal Finance   Topic: Well now this is ODD!!!!

Posted: Tue Oct 07, 2008 10:00 pm 

Replies: 2
Views: 1993


If they are federal loans, you should still be able to consolidate directly through the governments website: http://www.loanconsolidation.ed.gov/borrower/borrower.shtml If they are private loans, you are pretty much out of luck for the time being, but private consolidation loans really aren't that g...

 Forum: Personal Finance   Topic: How Did You Save for a Down Payment?

Posted: Fri Aug 08, 2008 3:13 pm 

Replies: 21
Views: 8774


How much money are you spending and how much extra can you bear to stop spending? personally, I live a fairly bare bones life style and only manage to net about 300 each month for cash savings (also plenty in retirement). If I scrimped even more, I probably could only squeeze another 100 out of my ...

 Forum: Personal Finance   Topic: Young investor, confused!

Posted: Mon Aug 04, 2008 9:04 pm 

Replies: 36
Views: 14011


It sounds as though OP has made a decision, so I'll chime in too late. Still, if it were me I would not pay off such a low interest loan either, as long as you have other sensible priorities. What percent of your income are you saving for retirement, and are you comfortable with that level of saving...

 Forum: Personal Finance   Topic: OK to Reduce Retirement Contributions?

Posted: Thu Jul 31, 2008 3:42 pm 

Replies: 19
Views: 6597


If it were me, I'd reduce them, at least temporarily, and see what happened. I guess that sounds a little wild (to me, I'm an extreme planner), but sometimes it gets boring staying the course and a month with extra cash flow to accelerate progress (even temporarily) can alleviate the feeling of not ...

 Forum: Personal Finance   Topic: Consolidate Private Student Loans Now or within 6 Months?

Posted: Mon Jul 28, 2008 9:22 pm 

Replies: 2
Views: 1897


For the private loans, you generally aren't going to get a better rate by consolidating, nor are you going to "lock in" at any sort of rate. Recommended reading: http://www.finaid.org/loans/privateconsolidation.phtml If your credit rating has improved significantly since you first took out...

 Forum: Personal Finance   Topic: New Job, New Career, New State.

Posted: Tue Jul 22, 2008 8:59 pm 

Replies: 18
Views: 6633


I decided that I needed furniture. I'm so glad that I bought furniture before i got seriously into personal finance and budgeting, so I didn't have to wonder if I should be buying furniture! I didn't buy high end or anything, and I paid cash, but I definitely got a coach, love seat, and bed right a...

 Forum: Personal Finance   Topic: New York Times article today

Posted: Tue Jul 22, 2008 8:53 pm 

Replies: 31
Views: 11260


The mortgage is ok in my book because it is appreciating. A car should NEVER be financed. NEVER. tell that to the people who bought houses 1.5 years ago. Did it appreciate? Well, some houses did I'm sure, but it is no longer a rule. I agree with the sentiment. I don't plan to finance a car when I b...

 Forum: Personal Finance   Topic: CC rewards or cash back cards do GRS people do this?

Posted: Tue Jul 22, 2008 8:46 pm 

Replies: 21
Views: 15441


I have two cards, a discover open road card for gas (and because discover happened to be the first place that offered me a card) and a Chase Freedom. To me (and I think, other young people) cash seems less real than a line on my CC. I do not believe I'd spend less if I switched to cash only, and it ...

 Forum: Personal Finance   Topic: New to Forums - Student Loan Question

Posted: Tue Jul 22, 2008 8:38 pm 

Replies: 21
Views: 7869


Before throwing a lot of your money towards a student loan, you really need to think about your goals. Once it is sent to the loan, you can never get it back, and when you have a mortgage at 6% (or whatever, def more than 2.5), you may wish that you'd have the cash on hand. The rate is low and fixed...

 Forum: Personal Finance   Topic: Cost of birth control (without insurance)

Posted: Tue Apr 08, 2008 7:32 am 

Replies: 36
Views: 15872


Thanks for all the ideas. Next time I go in I will talk to my doctor, both about the non-hormonal IUD (that sounds appealing to me) and just about a cheaper brand in general. For someone who asked there seems to be some $9 perscriptions at walamart, but for some reason they aren't available in Cali....

 Forum: Personal Finance   Topic: Cost of birth control (without insurance)

Posted: Tue Apr 01, 2008 12:51 pm 

Replies: 36
Views: 15872


I have a high deductible health plan, so only "preventative" drugs are covered by insurance. Personally, I feel birth control is preventative (of pregnancy!), but my insurance company seems to disagree. :) While I use pretax dollars, my prescription has recently jumped to about $50/mo. It ...

 Forum: Personal Finance   Topic: Stimulus Check: Spend it or Save it?

Posted: Tue Mar 25, 2008 11:41 am 

Replies: 32
Views: 13061


I think I will put most of it in the emergency fund and spend $100, most likely on clothes to update my work wardrobe. I probably should also donate a small amount to those who are having more dire consequences of the recession. I should, but I'm a horrible donater...
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