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It is currently Wed Feb 10, 2016 5:28 pm



Viewing profile - JenniferGwennifer

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JenniferGwennifer
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Joined: Mon Jul 25, 2011 12:52 pm
Last visited: Tue Feb 09, 2016 6:23 am
Total posts: 27
[0.03% of all posts / 0.02 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 10 Posts / 37.04% of user’s posts ]
Most active topic: Finally “adulting” at 29...
[ 7 Posts / 25.93% of user’s posts ]

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JenniferGwennifer Posts

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 Forum: Fiscal Fitness Journals   Topic: Finally “adulting” at 29...

Posted: Tue Nov 24, 2015 7:37 am 

Replies: 10
Views: 5114


I've been approved for my USDA loan! Wonder of wonders, I've been approved for $175k ! I'd never dream of borrowing that much, but it's nice to know I have scads of wiggle room. The approval assumes a maximum of $1800/year for property taxes and $600/year for insurance. Still going to try to keep my...

 Forum: Fiscal Fitness Journals   Topic: Finally “adulting” at 29...

Posted: Wed Nov 11, 2015 11:15 am 

Replies: 10
Views: 5114


Thanks for all your good wishes. I should have said "to qualify for a larger mortgage if needed." I really want to keep my costs low but would like to have as much wiggle room as possible. I am hoping to be able to build for $90-100k but with all the site work, well/septic, etc that comes ...

 Forum: Fiscal Fitness Journals   Topic: Finally “adulting” at 29...

Posted: Tue Nov 10, 2015 8:49 am 

Replies: 10
Views: 5114


Update time! - The new job is going well. It can be hard, dirty work at times but I'm where I want to be and it's loads better than retail. Plus I'm learning a lot and putting myself in a good position for the next few years. Not having benefits is rough but I did find out I get $1000/year towards h...

 Forum: Fiscal Fitness Journals   Topic: Finally “adulting” at 29...

Posted: Sat Oct 03, 2015 11:24 am 

Replies: 10
Views: 5114


I'll post a financial update at the end of October. I'm shuffling some money around and I want to make a more detailed budget once my shiny new paychecks arrive... Other tidbits : - I started my Roth IRA with Vanguard yesterday!!! Only $2,000 for now but it's better than nothing. I know very little ...

 Forum: Fiscal Fitness Journals   Topic: Finally “adulting” at 29...

Posted: Fri Sep 18, 2015 4:49 pm 

Replies: 10
Views: 5114


Here's my financial picture right now. With transitioning to the new job and trying to move out I expect my expenses will be kind of in flux for a bit. Here's hoping this journal will keep me on task and looking forward. Debt: Car loan - $2,300 @ 4%, Payoff date Sept 2016 (one year early!) One credi...

 Forum: Fiscal Fitness Journals   Topic: Finally “adulting” at 29...

Posted: Fri Sep 18, 2015 4:40 pm 

Replies: 10
Views: 5114


Wow. It’s been six years since I graduated from college and I think I’m finally ready to “adult.” Yes, us young folk now use that word as a verb. (Example: Ugh, I do not want to adult today.) I’ve spent the last five years working on my Master’s degree part-time (finally DONE!) and working seasonal ...

 Forum: General Discussion   Topic: Moving Home...

 Post subject: Re: Moving Home...
Posted: Sun Mar 15, 2015 9:36 am 

Replies: 7
Views: 10379


Wow this really was two years ago... Update time! I am still living with the parents unfortunately, but this is the year I move out! (Crowd cheers in background.) Rewrites and setbacks meant I didn't finish grad school until this past summer. However, living at home allowed me to work seasonally and...

 Forum: General Discussion   Topic: Huge increase in cash-only home purchases

Posted: Fri May 16, 2014 11:46 am 

Replies: 2
Views: 1335


Interesting new story on NBC this week. Apparently many markets are seeing huge increases in the number of home purchases for 100% cash. Sellers may be taking advantage of the increase in demand and buyers are getting squeezed out in places like Atlanta, Miami and New York. Crazy to think that after...

 Forum: Personal Finance   Topic: Looking for advice on purchasing a foreclosure...

Posted: Wed Mar 12, 2014 8:29 am 

Replies: 3
Views: 808


Looking for some advice about purchasing a foreclosure, wondering if anyone has been through it or has advice to share... Small 2 Bedroom, 1 Bath home (~820 sqft, no basement) on a 0.5 acre lot - Listed for $30,000 (it has been on and off the market for the past 2 years, with the price slowly decrea...

 Forum: Personal Finance   Topic: mid-20s, what to do with money?

Posted: Thu Nov 07, 2013 10:29 am 

Replies: 42
Views: 18545


You might also consider using a CD "ladder" to get a bit better interest rate but still have access to your funds. This way this works is the money is split up into multiple CDs with different maturity dates. If you had three separate 12-month CDs, each with 2-5k in them, and one matured e...

 Forum: General Discussion   Topic: No W2, need 1099 help

 Post subject: No W2, need 1099 help
Posted: Mon Feb 11, 2013 10:22 am 

Replies: 0
Views: 4015


Hey everyone, just looking for insight on how to work on filing my return. I've been able to get away with the 1040-A while in grad school, but I just received a 1099 from my internship last year. From what I can figure out, that makes me an independent contractor, which means I may have to pay the ...

 Forum: General Discussion   Topic: Moving Home...

 Post subject: Moving Home...
Posted: Mon Dec 17, 2012 7:42 pm 

Replies: 7
Views: 10379


So next week I'm moving home....to live with my parents. Woohoo. Fingers crossed, it should only be for about 5-6 months. Once I finish up grad school in a few months, I'll be able to devote my time to finding a good job in my field, as well as spend more time with my family. I'm so grateful to my p...

 Forum: Fiscal Fitness Journals   Topic: annibe11e's journal-open to advice!

Posted: Thu Nov 29, 2012 11:14 am 

Replies: 23
Views: 4654


Options for that extra $211: A) Put it all towards your emergency fund until it reaches $1k, then switch to using it to blast away that credit card debt B) Split it in two, using half to build up your emergency fund and the other half to double your minimum credit card payments (or get rid of the hi...

 Forum: Fiscal Fitness Journals   Topic: Savings is my goal

 Post subject: Re: Savings is my goal
Posted: Wed Aug 08, 2012 8:55 am 

Replies: 3
Views: 2150


Congrats on paying off those loans so quickly! What is the interest rate on your car loan? You might consider upping your payment a little bit to help you pay it off earlier and free up more income for savings (maybe cut into the slush fund?). My payment is $188 a month, but I always round it up to ...
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