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It is currently Tue Jun 28, 2016 10:30 pm



Viewing profile - Panda

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Panda
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Joined: Mon Jan 11, 2010 9:06 am
Last visited: Wed May 08, 2013 6:25 am
Total posts: 160
[0.18% of all posts / 0.07 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 102 Posts / 63.75% of user’s posts ]
Most active topic: Panda's Ponderings
[ 54 Posts / 33.75% of user’s posts ]

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Panda Posts

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 Forum: Fiscal Fitness Journals   Topic: adventures in the black

 Post subject: Re: adventures in the black
Posted: Mon Mar 11, 2013 7:08 am 

Replies: 94
Views: 29503


Well, I think you've certainly got the basics covered. You could think about saving for those items that you know will eventully need to be replaced, thereby moving them out of "emergency" status. I make a car savings payment each month and a house repair savings payment each month. Or you...

 Forum: Fiscal Fitness Journals   Topic: Panda's Ponderings

 Post subject: Re: Panda's Ponderings
Posted: Tue Feb 19, 2013 7:26 am 

Replies: 81
Views: 27802


So this year is an odd one so far. Every year I make an updated budget, but we've never really felt that we had to abide by it all that closely. It was more just a mental exercise of prioritizing goals, values, etc. Set the right automated savings amounts and don't worry about it. But this year with...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Thu Jan 24, 2013 6:41 am 

Replies: 399
Views: 119258


I'm going to need all the help I can get. I think shopping became an emotional outlet when I wasn't paying attention, and now I'm going through withdrawal symptoms. 22 days so far...must...not...read...catalogs...must...not...click...emails... I'd recommend you unsubscribe from the emails. You can ...

 Forum: Fiscal Fitness Journals   Topic: Panda's Ponderings

 Post subject: Re: Panda's Ponderings
Posted: Wed Jan 02, 2013 9:00 am 

Replies: 81
Views: 27802


2012 Recap: 1) 401K up to employer match - $6902/$7140 (97%) 2) Max IRA - $4859/$5000 (97%) 3) Emergency fund - $8019/$10,000 (80%) 4) Baby fund - $2631/$10,000 (26%) - Draw down completed. Return to full paycheck! Overall I'm very happy with how 2012 went. Not as big an increase in net worth as in ...

 Forum: Fiscal Fitness Journals   Topic: Panda's Ponderings

 Post subject: Re: Panda's Ponderings
Posted: Mon Dec 03, 2012 12:07 pm 

Replies: 81
Views: 27802


Man it's been a while! (I'd blame the cub, but really it's just not being at work. I do all my best internet-ing at work.) Life with the cub is brilliant. Really entertaining and sometimes exhausting. I feel reasonably well adjusted to being a mother, but still very much trying to figure out the who...

 Forum: Fiscal Fitness Journals   Topic: Panda's Ponderings

 Post subject: Re: Panda's Ponderings
Posted: Tue Oct 02, 2012 1:24 pm 

Replies: 81
Views: 27802


Thanks for all the warm wishes! Two months on, we've decided we'll keep her. She's pretty cool. :-) I'm trying to take plenty of pics, but even so it's hard to really capture how fast she changes! She seems so big already. And since I take all of the photos, I think the last pic of me with her was i...

 Forum: Fiscal Fitness Journals   Topic: Early start to positive net worth

Posted: Wed Sep 12, 2012 2:59 pm 

Replies: 8
Views: 2914


You've got a great start here. Let me offer you a piece of advice - one that really worked for me when I started my career in a situation very similar to yours. Define your budget now based on your starting salary. You are likely to see a few salary increases relatively quickly over the next few yea...

 Forum: Personal Finance   Topic: Saving Too Much ?

 Post subject: Re: Saving Too Much ?
Posted: Thu Aug 02, 2012 2:32 pm 

Replies: 26
Views: 6520


I chose to save "too much" early on so that I would have flexibility to not have to save at the same rates later on. After all, we can't totally predict the future. But some things I could predict. I wanted to have children and this year while I was saving for the medical bills and coverin...

 Forum: Personal Finance   Topic: How many saving accounts do you have?

Posted: Tue Jul 31, 2012 2:13 pm 

Replies: 40
Views: 9958


I have 6 savings accounts.

1) Account at same bank as primary checking - acts as emergency back-up, minimal balance
2) Escrow acct
3) Emergency Fund
4) IRA holding acct
5) Baby acct
6) Other goals - furniture, vacation, car

 Forum: Fiscal Fitness Journals   Topic: Eagle Soaring Higher

 Post subject: Re: Soaring Higher
Posted: Tue Jul 31, 2012 9:53 am 

Replies: 172
Views: 36590


I actually do a combination of the methods. I like the segregation of money because as Kombat metioned, it makes it very clear when we're "borrowing" from one goal/priority to fund another. I use separate accounts for the categories that I want to strongly discourage borrowing/compromising...

 Forum: Fiscal Fitness Journals   Topic: Panda's Ponderings

 Post subject: Re: Panda's Ponderings
Posted: Fri Jul 27, 2012 11:14 am 

Replies: 81
Views: 27802


Well, baby came exactly on schedule. Born on her due date July 22nd at 3:56pm, 6 lbs 6oz, and 19 in long. She seems impossibly tiny... And have already proved it's a good thing I'm a saver. Got my paystub for my upcoming paycheck in the mail, and they've messed up my status, showing me as already ou...

 Forum: Personal Finance   Topic: How much does having a baby REALLY cost?

Posted: Thu Jul 12, 2012 8:14 am 

Replies: 67
Views: 8348


So FTM here - and baby isn't actually here yet, but is due in 10 days, so prep is mostly done. To this point we've spent about $4000 during the pregnancy, of which ~$2500 was categorized as "Needs". The "needs" have essentially been the medical expenses so far, a pretty bare bone...

 Forum: Fiscal Fitness Journals   Topic: Panda's Ponderings

 Post subject: Re: Panda's Ponderings
Posted: Tue Jul 10, 2012 9:24 am 

Replies: 81
Views: 27802


Dinner date tonight! :-)

More baby stuff came in, just have to get it all settled. And should really pack my hospital bags. Really.

 Forum: Personal Finance   Topic: Use Savings to Pay Off Car Loan or Keep in Savings?

Posted: Fri Jul 06, 2012 6:43 am 

Replies: 14
Views: 5324


I think people understand the question you're asking, we just don't have enough info to give advice. Would paying off the loan leave you with 1 month emergency fund, 3 mo, 6 mo, etc? What is the car loan costing you (interest rate)? You seem to definitely understand the trade-off at play and given y...
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