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Viewing profile - WheresTheLight

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WheresTheLight
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Joined: Mon Mar 28, 2011 8:24 am
Last visited: Wed Jul 18, 2012 8:22 am
Total posts: 12
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 11 Posts / 91.67% of user’s posts ]
Most active topic: Righting the Ship
[ 10 Posts / 83.33% of user’s posts ]

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 Forum: Fiscal Fitness Journals   Topic: No New Clothing for a Year

Posted: Thu Dec 22, 2011 7:47 am 

Replies: 5
Views: 2265


I'm not sure my experience is applicable to clothing, because I know styles change and all, but... I was a big purchaser of media - books, music, movies, video games. I wasn't doing a good job of actually consuming them though. I went into 2011 with stacks of unread books and movies and games still ...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Wed Dec 21, 2011 7:49 am 

Replies: 20
Views: 5172


Well, I got my final paycheck for the year and scheduled the last of 2011's bills. Now I know where I stand... 2011's highlights: - Emergency fund still at $5K - Paid off a 401k loan I carried into 2011 - Paid off my student loan early - Started paying extra principal on my car - Still chipping away...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Tue Aug 23, 2011 12:33 pm 

Replies: 20
Views: 5172


Haha, there's some room in there for fun. I probably spend too much money at bars, to be honest. My budget now is: Monthly income (after health care & 8% 401k deferral): Salary - $4275 Monthly expenses: Mortgage - $1590 Power - $125 Water - $60 Internet - $50 Mobile - $70 Gas - $200 Debt repayme...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Tue Aug 09, 2011 6:24 am 

Replies: 20
Views: 5172


Just submitted the last payment towards my student loans. Took an extra couple of days because CitiBank decided to transfer my loan to Sallie Mae the day after I had the last payment scheduled. Next month I'll start making $1000 / month car payments to pay my five year note off three years early. I'...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Tue May 17, 2011 6:00 am 

Replies: 20
Views: 5172


Well, one thing I'm sure I'll get positive feedback on is that I paid off my 401(k) loan yesterday. I won't see an increase in take-home pay this year because I need to adjust my withholding now, but at the start of next year this should mean an extra $100 / month. One thing I'll probably catch some...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Tue Apr 05, 2011 10:29 am 

Replies: 20
Views: 5172


Got a small raise yesterday - I was expecting it, and was hoping to simply up my retirement savings by the same amount but I could really use a little more spending money. I'm really cutting it close on my checking balance - it got down to $1 the day before my last payday. Too stressful. Not expecti...

 Forum: Personal Finance   Topic: Renting to your spouse

 Post subject: Re: Renting to your spouse
Posted: Tue Mar 29, 2011 7:50 am 

Replies: 22
Views: 3412


You may want to talk to a lawyer. Once you're married, my understanding is that income becomes a marital asset whether deposited in a seperate account or not. Even if you weren't paying her "rent" or using your income to pay for part of the mortgage, she'd be using a maritial asset (her in...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Tue Mar 29, 2011 6:28 am 

Replies: 20
Views: 5172


Thanks for the encouragement! Here's what I've been working with: Monthly income (after health care & 8% 401k deferral): Salary - $4120 Monthly expenses: Mortgage - $1590 Power - $120 (usually much less, but I budget worst case for summer in FL) Water - $60 Internet - $50 Mobile - $70 Debt repay...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Mon Mar 28, 2011 11:07 am 

Replies: 20
Views: 5172


As far as getting discouraged, it just feels like every month I tell myself that next month will be better, but every month is just as tough as the one before it. I'm hitting my savings and debt repayment goals every month, but man is the money in my checking account tight. It's primarily because I'...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Re: Righting the Ship
Posted: Mon Mar 28, 2011 10:59 am 

Replies: 20
Views: 5172


They were essentially debts accrued in the process of splitting up. Lawyer was expensive for an uncontested divorce with no children. I make quite a bit more than she does but in her job she had access to some pretty powerful people. I got the best lawyer I could find. Then there was money that I ga...

 Forum: Fiscal Fitness Journals   Topic: Righting the Ship

 Post subject: Righting the Ship
Posted: Mon Mar 28, 2011 8:53 am 

Replies: 20
Views: 5172


Almost two years ago my wife and I split - we were 30 at the time, and were high school sweethearts. I was the saver, but with her as a spender I exited the divorce roughly $15K in debt and with sole responsibility of mortgage on an underwater house. The only real asset I had to my name was my 401(k...
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