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Viewing profile - BikeRider

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BikeRider
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Joined: Wed Apr 08, 2009 12:41 pm
Last visited: -
Total posts: 23
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 19 Posts / 82.61% of user’s posts ]
Most active topic: First entry - overview
[ 16 Posts / 69.57% of user’s posts ]

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BikeRider Posts

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Author Message

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Tue Feb 19, 2013 5:57 am 

Replies: 31
Views: 11189


Alrighty, we're married and now have a new financial picture: Assets $213,000: Home $225,000: Retirement Accounts $ 27,000: Emergency Fund (9 months) $ 38,000: Savings $ 5,000: Checking Debts $156,000: Mortgage @ 5.375% $ 24,000: Student Loan @ ?% 2013's Financial Goals $11,000: Long-term savings $ ...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Mon Sep 10, 2012 6:21 pm 

Replies: 31
Views: 11189


Thanks, alohabear. Yes, 10% is super generous. I still read it twice to make sure it's legit as 10% is the most generous match I've ever had.

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Thu Sep 06, 2012 10:50 am 

Replies: 31
Views: 11189


Thanks for the feedback, Eagle and fantasma. I emailed three banks my company recommends for refinancing. Doesn't hurt to get some information on 15/20 year fixed options. We are indeed paying for our wedding and I refuse to cover a dime of its cost with debt. Our budget is set ($15k for wedding, $1...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Wed Sep 05, 2012 6:20 pm 

Replies: 31
Views: 11189


Another six months have passed so I'm due for another update! Assets $213,000: Home $155,000: Retirement Accounts $11,000: Emergency Fund $17,000: Savings (wedding, vacations, gifts, savings) $5,100: Checking Debts $158,000: Mortgage @ 5.375% $2,800: Student Loan @ 3.125% What's Automated 10% of pay...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Thu Mar 01, 2012 5:22 pm 

Replies: 31
Views: 11189


Haha, great question! I just have an entry level hardtail Gary Fisher that's great for tooling around the city. I've been toying with the idea of getting a single speed Trek Earl, but I'm pretty happy with my current bike and don't have the space for multiple rides. I don't think I'd ever go fixed g...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Thu Mar 01, 2012 5:02 pm 

Replies: 31
Views: 11189


Hi Satelite, I live in Chicago, IL and use the amount on the last appraisal when I refinanced my mortgage. I don't spend the time checking out recent sales of comparable units to update that value. My main motivation for tracking my finances is to make sure I'm heading in the right direction over th...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Wed Feb 29, 2012 7:44 pm 

Replies: 31
Views: 11189


An update: Assets $213,000: Home $141,000: Retirement Accounts $10,100: Emergency Fund $13,400: Savings (wedding, vacations, gifts, savings) $6,100: Checking Debts $160,300: Mortgage @ 5.375% $4,200: Student Loan @ 3.125% I feel like I'm chugging along pretty well. I've automated the following month...

 Forum: Personal Finance   Topic: To Pay-off or Not to Pay-off

Posted: Tue Jul 05, 2011 7:04 pm 

Replies: 14
Views: 1848


If I were in your boat, I'd immediately pay off the $5,500 loan with some of the savings funds. I would not bother moving the savings to a CD given the low rates. I'd just park it in an ING savings account.

Kudos on saving up to pursue this adventure. I think it's awesome.

 Forum: Fiscal Fitness Journals   Topic: new job, new apartment, new life.

Posted: Tue Jul 05, 2011 6:50 pm 

Replies: 6
Views: 2525


Great progress, yomimono! Those Amazon APRs are crazy. Looks like you have a solid income given how fast you're paying off that debt. I like your plan you layed out earlier. Given that you're renting and your expenses seem low, I'd aim for a higher emergency fund to get more in line with what expens...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Tue Jul 05, 2011 6:37 pm 

Replies: 31
Views: 11189


Here's an update with figures rounded since I find it easier to read that way. Assets $213,000: Home $116,300: 403b $15,100: Roth IRA $6,600: Emergency Fund $10,000: Engagement Ring Fund (fully funded) $2,000: Vacation fund $2,500: Savings $1,300: Checking Debts $162,400: Mortgage @ 5.375% $5,000: S...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Mon Apr 04, 2011 7:09 pm 

Replies: 31
Views: 11189


Panda, sorry, I didn't get a notification on your post. To answer your question, my EF I'm comfortable with keeping at 3 months given my current job. I want to hit some savings goals so I've slowed contributions to the EF, but do plan to build it to 6 months over the next year or so. I also definite...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: Re: First entry - overview
Posted: Fri Oct 01, 2010 4:57 am 

Replies: 31
Views: 11189


The big update is that I've paid off my HELOC dropping it $13,782 in January to $0 today! Combined with the mortgage and student loan, I'm happy to report $16,500 in debt has been paid so far this year mostly due to a raise and decreasing my emergency fund from six months ($12k) to three months. Her...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

Posted: Sat Jan 09, 2010 7:43 am 

Replies: 31
Views: 11189


Very true, Sam. My CC is very low each month because I only use it for flights, which I save up for anyway and don't purchase every month, and a recurring $26 bill. Everything else is paid for using my debit card. I'm much more comfortable with seeing the money go out right away than having a big bi...

 Forum: Fiscal Fitness Journals   Topic: First entry - overview

 Post subject: 2010 goals
Posted: Fri Jan 08, 2010 6:12 am 

Replies: 31
Views: 11189


I started tracking my finances in April 2009 so don't have a full year to look back on, but here's where I stand to start this new year: ASSETS $80,174: 403b - up from 45k in April $5,783: IRA - up from 2k in April $9,055: Emergency Fund (EF) - down from 10.7k in April $121: ING Savings - used for t...
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