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Viewing profile - peaceofmind

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Joined: Tue Jan 26, 2010 10:08 am
Last visited: -
Total posts: 113
[0.13% of all posts / 0.05 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 92 Posts / 81.42% of user’s posts ]
Most active topic: New start in a new country
[ 43 Posts / 38.05% of user’s posts ]



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peaceofmind Posts

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 Forum: General Discussion   Topic: Need a car and have bad credit...out of options, need advice

Posted: Wed Jul 25, 2012 8:28 am 

Replies: 19
Views: 6468

In college I bought a car for $1,000 cash. I requested that the sale be contingent on my (trusted) mechanic looking the car over before things were final. (As I recall, the purchase price was more like $1,100 but my mechanic found $100 worth of repairs that needed doing so that was knocked off the p...

 Forum: Personal Finance   Topic: fiancée student loan...

Posted: Sun May 06, 2012 9:52 am 

Replies: 24
Views: 3603

A profitable farm makes its bread and butter on 1) Boarding then 2) Leasing, then 3) Lessons. If lessons are their priority, they will never make money. I haven't run a barn, but have known a lot of barn owners/trainers, and from my conversations with them, I would prepend this list with 1) Trainin...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Mon Apr 16, 2012 5:53 am 

Replies: 51
Views: 17872

- Got my fees refunded on the no-fee balance transfer, without having to nag. - UK pension value's over 10k! :) Not bad for 9 months of funding. - Moved into a new flat, so a fair bit of money went towards security deposits and rent and whatnot. It's 2/3 the cost of the old flat, though, so yay. ASS...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Tue Mar 13, 2012 1:40 am 

Replies: 51
Views: 17872

- Qualified for a 0%, no-fee balance transfer, so used that to take a big whack at my mortgage. - As a result, $13.50 more of my next regular mortgage payment went towards principal! Usually I gain about $1.00 in extra principal each month. - The system didn't process the "no fee" part, so...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Sat Feb 11, 2012 3:45 am 

Replies: 51
Views: 17872

- The markets were good to me this month, finally making some recovery. - Finished up my ISA for next year, so now it's on to saving for the house expenses. - Almost into 5 digits for my UK pension. :) - Still waiting to get paid for my first month of work, so that should bump up the year-off fund m...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Wed Jan 11, 2012 3:09 am 

Replies: 51
Views: 17872

- Paid 2011 property taxes, which came out of savings. - Almost out of the $169k range for my mortgage! ASSETS [$258,543.03 + £23,844.06] Net Change: -2,720.71 ----------------------------------------------------------- US Checking $2,000.00 (+ $96.05) US Savings $10,184.09 (- $3,240.38) US IRAs $30...

 Forum: Fiscal Fitness Journals   Topic: Saro's journal - or my road out of debt...

Posted: Tue Dec 27, 2011 10:44 am 

Replies: 74
Views: 24110

So sorry to hear this, saro. My deepest condolences.

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Mon Dec 12, 2011 4:19 pm 

Replies: 51
Views: 17872

- Just got back from the US trip. Did not spend <= $500, but that's okay, I bought quite a bit of things much cheaper than I'd get here, and they'll last me a good long while. Savings this month may be on hold this month as a result, we'll see. - Back to job hunting. It'll be nice to be working and ...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Fri Nov 11, 2011 2:14 am 

Replies: 51
Views: 17872

- Got my final payment (including bonus) from my last job, which bumped up the year-off fund quite a bit! :D - US IRA value rose, finally! - Assets and net worth both back in green territory. :D - Traveling to the US in a bit to visit family, so will have to watch expenses. Last time I spent ~$500 o...

 Forum: Personal Finance   Topic: How much do you live on?

Posted: Thu Nov 03, 2011 11:17 am 

Replies: 16
Views: 2670

Pre-tax, I take home about 30% of what I earn, and another 20% goes to retirement. I'm banking the rest so that I have a cushion to be able to take time off and work for myself (hoping that could become a long-term/full-time thing if it goes well). I'm self-employed so end up paying taxes sporadical...

 Forum: Personal Finance   Topic: Educating myself about mortgages/buying a condo

Posted: Thu Nov 03, 2011 11:14 am 

Replies: 8
Views: 1383

And expect to repaint and make other repairs when the tenant leaves. You might have a security deposit but it will rarely cover the actual costs of painting, cleaning , and so forth following even a good renter. I'm renting my house out with a property management company at the moment, and I was to...

 Forum: Fiscal Fitness Journals   Topic: UK graduate - just starting out getting fit financially

Posted: Tue Oct 25, 2011 1:28 am 

Replies: 5
Views: 3208

Well I'm nearly a month into that permanent job :D (and it's a job I love, too, with the charity I'd been volunteering for). Congrats! :) Given I have a very tight support group of family and we (my boyfriend earns a little more than me) could (just) make it on one of our incomes. It would be miser...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Tue Oct 11, 2011 12:44 pm 

Replies: 51
Views: 17872

- Paid my second premium for home insurance in 2011, so that came out of savings. - US IRA value dropped like a stone again. :( UK Pension earned a bit of money, though (on top of my contributions), so yay. - First time my asset section has gone down since I started these updates. - First time my ne...

 Forum: Fiscal Fitness Journals   Topic: New start in a new country

Posted: Wed Sep 14, 2011 7:41 am 

Replies: 51
Views: 17872

So, new goals already. :D I haven't given myself a reward for completing goals since I bought my Kindle for my last birthday - I think I'll buy myself a nicer computer hard drive for this birthday since I finished goals early. :) - Would like to save up next year's ISA amount ASAP so that I can depo...
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