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It is currently Sat Sep 24, 2016 5:20 pm



Viewing profile - Avistew

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Avistew
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Joined: Mon Aug 31, 2009 4:24 am
Last visited: Mon Apr 18, 2011 6:36 pm
Total posts: 51
[0.06% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 25 Posts / 49.02% of user’s posts ]
Most active topic: Avistew's journal
[ 13 Posts / 25.49% of user’s posts ]

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Avistew Posts

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 Forum: General Discussion   Topic: Is it ethical to game the system?

Posted: Thu Oct 21, 2010 3:54 am 

Replies: 17
Views: 5829


I'm personally not sure I get the point of going two years without any income at all and living off your savings. Wouldn't it cost less to use these savings for your kid's education instead? Not to mention, going back to work isn't always easy, a two-year gap might not help your case, and you wouldn...

 Forum: Personal Finance   Topic: How to make a budget?

 Post subject: Re: How to make a budget?
Posted: Wed Oct 20, 2010 4:40 am 

Replies: 9
Views: 1990


Keep receits. If you use a card, read your bank statement carefully. Write everything down. Ideally, you'd need to do that over several months. Then you can gather an average per month and see what you're spending where. Once you've done that, you can decide what to cut (if your goal is cutting) and...

 Forum: Personal Finance   Topic: Am I Saving Too Much?

 Post subject: Re: Am I Saving Too Much?
Posted: Fri Oct 08, 2010 8:59 pm 

Replies: 21
Views: 5260


I asked myself the same question recently... We're saving close to 50% of our (after-tax) income and I don't even have an income. I was wondering if we were saving too much.. But spending more for the sake of spending seems silly when there is nothing you really want.

 Forum: Personal Development   Topic: How long should you stay home after having a baby?

Posted: Wed Sep 22, 2010 3:06 am 

Replies: 39
Views: 17667


I realise that, kombat, but the OP's problem was with his age as a male. While I can believe 35 is late for women, considering they won't be able to have children for much longer, it seems to me 35 is still rather early for males, since they can have children when they're double that age. So I don't...

 Forum: Personal Finance   Topic: Budgeting for Periodic Expenses

Posted: Wed Sep 22, 2010 2:54 am 

Replies: 12
Views: 2096


I have a "house" budget on which we save for what we want. For instance for that couch, we would have waited however many months it took to raise the money needed for a couch before buying it. That budget includes furniture as well as appliances. We didn't really "figure out" how...

 Forum: Personal Finance   Topic: wedding ring

 Post subject: Re: wedding ring
Posted: Sun Sep 19, 2010 5:39 am 

Replies: 21
Views: 4380


It really depends. My husband proposed with a family engagement ring, but that meant more for his parents than for me. Me, I'm from France where engagement rings are pretty much unheard of anyways, and "being engaged" just means you know you'll get married at some point but haven't done it...

 Forum: Personal Development   Topic: How long should you stay home after having a baby?

Posted: Sun Sep 19, 2010 5:20 am 

Replies: 39
Views: 17667


While it seems it doesn't apply in this specific case, I thought I'd remind everyone that there is also the option of both partners working part-time, so they both have time with the baby while stil keeping their jobs. Obviously doesn't work with every job (or everyone) and if the income discrepancy...

 Forum: Fiscal Fitness Journals   Topic: Avistew's journal

 Post subject: Re: Avistew's journal
Posted: Thu Jun 10, 2010 3:23 pm 

Replies: 17
Views: 7218


Hi there! I was having some trouble tracking our spending so we're back to the envelope for the food+house budget, and I'm using a program to track the rest. Here is our current budget (we're going to try and cut the food budget more but that seemed like a good entry point for starting again with th...

 Forum: Personal Development   Topic: Career changing as part of a couple

Posted: Wed Dec 23, 2009 2:31 am 

Replies: 33
Views: 9890


So I'd be curious to hear how other couples deal with career decisions. Are you supportive of the occasional crazy career move? Or once you're half of two, is it necessary to be a bit more responsible? Also, maybe he's right and I am being crazy... so I'd be interested to know if other people think...

 Forum: Fiscal Fitness Journals   Topic: Avistew's journal

Posted: Sat Dec 05, 2009 5:59 am 

Replies: 17
Views: 7218


Just a small update to say that we have paid back his parents entirely, and so far have $1,200 in our various ING accounts (RRSP + Tax-free savings). We have stopped using envelopes and went back to using debit cards, now that our budget has been stabilised. I was scared it would put a dent in our a...

 Forum: Personal Finance   Topic: I'm 23, I've lost my father, and I'm entirely clueless.

Posted: Sat Dec 05, 2009 5:40 am 

Replies: 68
Views: 9539


It's not like you have to pay off the student loan completely or not at all. If it were me, I wouldn't touch it for 6 months, as someone else said, or even a year. I'd invest it for that amount of time and live as thought I didn't have that money. Then, it would be clearer for me what to do with it....

 Forum: Personal Finance   Topic: Losing Job in 1 Year - Pay Off Loan or Add to Savings?

Posted: Tue Nov 03, 2009 10:00 pm 

Replies: 9
Views: 1863


You have almost a year, both to save up and to start looking for a new job to replace the one you're losing. I would suggest saving more than you would if you weren't losing your job, but still paying off some of the student loan. You have 4 months of savings now, but in a year, you should have way ...

 Forum: Fiscal Fitness Journals   Topic: Soapstone's Journal

Posted: Mon Nov 02, 2009 11:10 am 

Replies: 18
Views: 6768


Good work on the progression, even though you had unplanned expenses (and who doesn't at some point or other? That's what the emmergency fund is all about after all). If you want to convert the vacation fund into a baby fund I suggest looking around to see how much a baby would cost you, both in ini...

 Forum: Fiscal Fitness Journals   Topic: Avistew's journal

Posted: Mon Oct 26, 2009 6:12 am 

Replies: 17
Views: 7218


10/26/2009: Taken from account: 280 Left in account: 2,021.26 We had a big vet bill since the cat we rescued had two hernias and needed to be operated. Then his scar got infected and we needed to buy antibiotics. We're doing good though, we have more money than last PC, that's what matters. We decid...
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