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Viewing profile - pdxrocks

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pdxrocks
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Joined: Wed Jul 08, 2009 3:28 pm
Last visited: -
Total posts: 119
[0.13% of all posts / 0.05 posts per day]
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Most active forum: Personal Finance
[ 66 Posts / 55.46% of user’s posts ]
Most active topic: Aiming for a Zero Net Worth
[ 23 Posts / 19.33% of user’s posts ]

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pdxrocks Posts

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 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Fri Feb 25, 2011 12:26 pm 

Replies: 36
Views: 15466


Debt: -$43K Savings: $13K Retirement: $28K Appx. House Value: $400K Mortgage Remaining: -$360K (doubling 30yr payment) If you take into account the value of our two cars and our house, we're above zero... but I don't think I'm going to count that. We should be above zero for real within the year if ...

 Forum: Fiscal Fitness Journals   Topic: Fixing old mistakes, student neck deep in $100k of debt

Posted: Sun Feb 06, 2011 4:00 pm 

Replies: 217
Views: 727661


You'll also need a larger-than-usual emergency fund if you get an offer from a studio in SF, NY, or NZ. Or ABQ, I guess, though I don't know many who are happy there. I don't know many people who've gone through their first couple years in this industry without at least one huge move to follow the j...

 Forum: Personal Finance   Topic: Parents can no longer support my brother in college-advice?

Posted: Tue Nov 16, 2010 3:18 pm 

Replies: 17
Views: 2659


I just want to add that campus jobs (the kind that the financial aid office will direct you to) can be *awesome* experiences. I met my future spouse at a work-study job on campus (computer tech support line), and we both ended up in (very lucrative) careers based entirely on that work experience, an...

 Forum: Fiscal Fitness Journals   Topic: Fixing old mistakes, student neck deep in $100k of debt

Posted: Wed Nov 10, 2010 10:29 am 

Replies: 217
Views: 727661


Congrats Sula!! That's great to hear! :D When I was starting out in this industry, and got my first really well-paying job, I totally succumbed to lifestyle inflation, for years even! I didn't spend more money than I had, thank goodness, but I spent a lot of money on housing and toys that I didn't r...

 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Mon Nov 01, 2010 11:49 am 

Replies: 36
Views: 15466


Debt: $45K Savings: $14K I went ahead and bought a $12K "nused" car last month (2003 Nissan Murano, very nice). I like it a lot, but I'm starting to realize I don't "need" it like I thought I did. We really should be able to get by with just the first car. I'm going to give it an...

 Forum: Personal Finance   Topic: Anybody have a Home Pay-off Account?

Posted: Tue Oct 26, 2010 5:25 pm 

Replies: 7
Views: 1598


I'm currently prioritizing paying off the house (mortgage is 5% at 370K right now, kid #1 is due in March) right now, doubling the payment. If we can keep this up, we'll have the house paid off by the time she's 11 years old. Without a mortgage payment, the 11 years before and while she's in college...

 Forum: Personal Finance   Topic: How much to spend on a house?

Posted: Sun Oct 03, 2010 11:24 am 

Replies: 26
Views: 4045


Based on our income, we could afford the payments on a 700-800K house, but we went with a 380K house so we could pay it off faster. It's plenty of house, and we love it!

 Forum: Personal Finance   Topic: Interest rate question

 Post subject: Re: Interest rate question
Posted: Sat Oct 02, 2010 9:02 pm 

Replies: 6
Views: 1500


Hah, thanks Tim, that's awesome. I'm sure he'll still want to grumble about that lost $2. :)

 Forum: Personal Finance   Topic: Interest rate question

 Post subject: Interest rate question
Posted: Sat Oct 02, 2010 10:13 am 

Replies: 6
Views: 1500


So, we just refinanced our $375K mortgage to 4.5% interest, and also took out a $6,600 car loan at 5.4% interest that will be paid off by the end of November. Our official mortgage payment is $2,400, and we've been paying $4,000 to get it finished sooner. Because of the refinance, we didn't pay any ...

 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Wed Sep 08, 2010 8:14 pm 

Replies: 36
Views: 15466


Well, it's been a year since I started this thread! We're still doing well, maybe a little slower than I'd planned, but it's moving along. Then: $75K in debt, $4500 in savings (rewards checking really, but it's our only bank account) Now: $47K in debt (all student loan), $6000 in "savings"...

 Forum: Fiscal Fitness Journals   Topic: Fixing old mistakes, student neck deep in $100k of debt

Posted: Fri Jul 09, 2010 3:44 pm 

Replies: 217
Views: 727661


Sorry to hear they didn't keep you on, but I'm sure you'll get snatched up quickly by one of the many other shops in town. Just FYI, most artists quietly ignore the "no showing work till the project is released" rule. You're right that it's a huge barrier to finding a new job. What I alway...

 Forum: Fiscal Fitness Journals   Topic: Fixing old mistakes, student neck deep in $100k of debt

Posted: Fri May 14, 2010 7:20 pm 

Replies: 217
Views: 727661


I'd go with the larger company, but do it in a way that didn't burn bridges with the smaller company (which would be tricky, small studios are always pretty touchy about people ditching them for more prestigious places). Getting your foot in the door at a big studio is a huuuge boost in this industr...

 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Fri May 14, 2010 4:18 pm 

Replies: 36
Views: 15466


Heh, I just read back over this thread, and we still don't have any bedroom furniture beyond the mattress and metal frame. Cardboard boxes, yay! We did splurge on an $800 couch when we moved, though, it's quite the luxury.

 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Fri May 14, 2010 4:12 pm 

Replies: 36
Views: 15466


Thanks Peachy! We were tempted by the 15 year mortgage, but figured we needed the wiggle room the 30 year would give us in an emergency. Paying more in interest, but oh well. -22K Net Worth today, not counting the house/mortgage. This is becoming kind of a meaningless figure, though, since it takes ...
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