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Viewing profile - firsttimecaller

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firsttimecaller
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Joined: Wed Aug 31, 2011 6:39 am
Last visited: Thu Sep 15, 2011 8:54 am
Total posts: 13
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 11 Posts / 84.62% of user’s posts ]
Most active topic: 30 y/o consultant with retirement question
[ 7 Posts / 53.85% of user’s posts ]

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firsttimecaller Posts

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 Forum: Tips, Tricks, Links, Pointers   Topic: A legal "pyramid scheme" and other couponing tips

Posted: Thu Sep 15, 2011 7:00 am 

Replies: 5
Views: 4904


I am not an extreme coupon-er (yet), but I can see how it becomes addicting. I receive daily emails from all of the Groupon-like sites, and recently received one from Living Social for half off a $20 purchase at Whole Foods. I occasionally shop at WF and scooped up the deal right away. Imagine my su...

 Forum: Personal Finance   Topic: Advice on how to curb spouse's spending on the little things

Posted: Wed Sep 14, 2011 12:39 pm 

Replies: 9
Views: 1583


Gift cards to a single merchant usually don't carry any fees. E.g. to the specific fast food restaurants he tends to frequent, his favorite coffee shop, etc. You can possibly even get them at a discount at gift card trading web sites. Credit-card branded "gift cards" good at any merchant ...

 Forum: Personal Finance   Topic: Advice on how to curb spouse's spending on the little things

Posted: Wed Sep 14, 2011 12:33 pm 

Replies: 9
Views: 1583


I like the idea of gift cards. I'd even suggest confiscating the ATM card and/or checkbook but that probably would start an argument. Have you guys done any sort of budgeting together or informal money counseling so that he sees where the money goes & understands how his actions affect it? We a...

 Forum: Personal Finance   Topic: Advice on how to curb spouse's spending on the little things

Posted: Wed Sep 14, 2011 12:29 pm 

Replies: 9
Views: 1583


Hmm this isn't going to be the answer you are seeking but my feedback anyways. Your husband sounds like my husband. I pretty much do all things financial for the family. My husband is naturally frugal, but does have areas of "leaks" which are going out and treating friends for drinks, tip...

 Forum: Personal Finance   Topic: Advice on how to curb spouse's spending on the little things

Posted: Wed Sep 14, 2011 6:33 am 

Replies: 9
Views: 1583


Because I am frugal and diligent with our finances, my husband has “put me in charge of them”. Meaning, I have access and authorization to both of our bank accounts and our shared account. I pay the bills, record all of the incoming/outgoing $, set the budget, etc. In our relationship, we joke I am ...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 2:15 pm 

Replies: 16
Views: 2005


I agree there is definitely a need for a larger EF than typically recommended. Still, I would personally cap it at no more than 12 months expenses. That would allow you to pay off the $13k car loan and still have $7k to split between Roths. How much of the $630 is attributed to the loan? Getting ri...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 12:02 pm 

Replies: 16
Views: 2005


How many months of expenses would you personally be comfortable with in your emergency fund? I personally think you should fully fund Roths AND pay off the car. That's a good question. Since my husband is a coach, his job security is not as secure as your typical job (although, before I was laid of...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 11:17 am 

Replies: 16
Views: 2005


If I were in your shoes, I'd pay off the car loan today. Yep. Plenty of cushion in the EF to do so. Is the car big enough to accomodate a baby, car seat, etc or will you have to get something else? Yes, the car is big enough to accomodate all of that. We bought a Scion XB last year with the thought...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 10:25 am 

Replies: 16
Views: 2005


Why are you meeting with financial planners? It sounds like you are off to a great start on your own. My main advice would be to pay very close attention to fees and expenses. These guys get paid by you. You have the right to know where every penny of it comes from. If they suggest a mutual fund, i...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 10:18 am 

Replies: 16
Views: 2005


Currently our monthly expenses are about $2,500 Wow, you have 20 months of expenses in your emergency fund. Most experts recommend 3 to 6 months of expenses. Is the $53k in a Traditional or Roth IRA? If neither of you have a Roth, I would suggest opening one and pull $10k out of the EF to fully fun...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 8:36 am 

Replies: 16
Views: 2005


What are your total monthly expenses? We need that amount to figure out how many months your EF will cover. If your EF exceeds 6 months of expenses, I would pull some out and put it into a Roth IRA. Currently our monthly expenses are about $2,500 $1000 - rent $630 – car payment (1 car)/gas (2 cars)...

 Forum: Personal Finance   Topic: 30 y/o consultant with retirement question

Posted: Wed Aug 31, 2011 6:53 am 

Replies: 16
Views: 2005


I was wondering if I could get some advice while I wait for my first interviews with financial planners. I am 30 y/o and was laid off in April. I have been able to gain a full-time consulting gig with a former employer and have only used 7 out of the 26 weeks of unemployment I have available. I rece...
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