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Viewing profile - wannabe2

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Joined: Sat Jul 30, 2011 8:03 am
Last visited: Wed May 30, 2012 10:59 am
Total posts: 12
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 7 Posts / 58.33% of user’s posts ]
Most active topic: Oh baby! Pay down $20,000 by the end of the year?
[ 4 Posts / 33.33% of user’s posts ]



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wannabe2 Posts

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 Forum: Fiscal Fitness Journals   Topic: Oh baby! Pay down $20,000 by the end of the year?

Posted: Sat Mar 17, 2012 9:45 pm 

Replies: 4
Views: 2553

This month, we made payments as planned, with $450 going towards the adoption expenses on the 0% credit card ($300 of this was the state tax refund). So, we paid off $1,340 in principle this month. Our income and account balances stayed about the same this month. We submitted our tax returns and ar...

 Forum: General Discussion   Topic: Money for godson

 Post subject: Re: Money for godson
Posted: Wed Feb 15, 2012 11:47 am 

Replies: 3
Views: 4825

Our decon said that he did a similar thing for his godchildren. In his case, he gave them each a chunk of money ( a few thousand dollars) for them to use as part of a down payment on a house. I think he waited until they were in their 20s to give it to them. I think you do have to be careful so that...

 Forum: Personal Finance   Topic: How the neighbor's house affects you

Posted: Sun Feb 12, 2012 1:42 pm 

Replies: 5
Views: 1089

Be careful about performing maintenance on a property without the owner's permission. You could be charged with tresspassing, etc. Most likely, a bank would never bother doing that, but just be aware that there are risks. If the grass starts getting long, it may be better for you to report it to the...

 Forum: Personal Finance   Topic: actual cost of a baby?

 Post subject: Re: actual cost of a baby?
Posted: Sun Feb 12, 2012 1:34 pm 

Replies: 25
Views: 3023

Regarding carseat: At the hospital, they checked the expiration date on our carseat and confirmed that it did not have any recalls. They would not have let us leave the hospital with an expired car seat. But, I know of some hospitals that give out new car seats for all births. Check to see if your d...

 Forum: Personal Finance   Topic: Old 401(k) & Life Direction Needed

Posted: Sun Feb 12, 2012 1:26 pm 

Replies: 17
Views: 2045

I started with my SIMPLE IRA at Wells Fargo because I was young and didn't know any better. That was where co-workers were investing, and I thought that sounded as good as anything. Once I started to feel more comfortable with how retirement accounts work, and started looking into fee ratios, I disc...

 Forum: Fiscal Fitness Journals   Topic: Oh baby! Pay down $20,000 by the end of the year?

Posted: Sun Feb 12, 2012 1:20 pm 

Replies: 4
Views: 2553

I met with the tax preparer and it looks like we will be getting about $6000 back as a tax refund, most of which is because we were able to qualify for the adoption tax credit. Because it was late in the year when we found out that we would be getting an adoption placement, we were not able to adju...

 Forum: Fiscal Fitness Journals   Topic: Oh baby! Pay down $20,000 by the end of the year?

Posted: Fri Feb 10, 2012 9:34 pm 

Replies: 4
Views: 2553

Current status: $122,000 remaining on mortgage @ 5.25% - Scheduled pay-off June 2035, projected pay-off July 2029 by paying $59 extra/mo. - Reduce principal by $3,000 by end of year $8,000 remaining on vehicle loan @ 5.25% - Scheduled pay-off Aug. 2014, projected pay-off Oct 2012 by paying $100 extr...

 Forum: Personal Finance   Topic: Is it okay to close a credit card?

Posted: Fri Feb 10, 2012 8:17 pm 

Replies: 8
Views: 1973

Also, just because you have a credit card account doesn't mean you have to use it - lock it up in a safe or even destroy the card and you can keep the account "open".

 Forum: Personal Finance   Topic: Monthly Grocery Bill

 Post subject: Re: Monthly Grocery Bill
Posted: Fri Feb 10, 2012 8:14 pm 

Replies: 23
Views: 11149

Our household in 2011: 2 adults $288/mo average for groceries (not including paper goods, toiletries, etc) $262/mo average for eating out, including coffee So, $550/mo total on food We buy meat in bulk, buy generic brands and shop by what is on sale, freeze-ahead meals for supper and leftovers to ta...

 Forum: Personal Finance   Topic: actual cost of a baby?

 Post subject: Re: actual cost of a baby?
Posted: Fri Feb 10, 2012 8:02 pm 

Replies: 25
Views: 3023

We have a 4 month old that we adopted at birth, with only a couple of month's notice. We were able to get a lot of hand-me-down items, relatives scoured garage sales for deals, and we had a number of showers thrown for us. So, our "start-up" costs were minimal - maybe $250. Our budget show...

 Forum: Personal Finance   Topic: Anyone else choosing "no kids" due to money?

Posted: Sat Jul 30, 2011 8:18 am 

Replies: 18
Views: 3972

My husband and I always knew we wanted to have kids. For the first few years of our marriage, we worked hard to get things stablized so that we could be emotionally and financially ready for when we had kids - buying a "right-sized" house, getting established in our jobs, etc. What we hadn...
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