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Viewing profile - lancer

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lancer
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Joined: Tue Jan 17, 2012 8:30 am
Last visited: Thu Jan 26, 2012 1:19 pm
Total posts: 10
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Tips, Tricks, Links, Pointers
[ 6 Posts / 60.00% of user’s posts ]
Most active topic: Save money by remembering time does not equal money
[ 6 Posts / 60.00% of user’s posts ]

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Location: Austin, TX
Age: 35
Occupation: SQL and SSRS Developer
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lancer Posts

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 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Wed Jan 25, 2012 10:55 am 

Replies: 30
Views: 23889


You fixated on Sanja's $2.50 figure which wasn't correct. For me it is $2.50 one way and a savings of 15 minutes in commute. Which considering I have a two way commute it is $5.00 a day and 30 minutes spent. $10 an hour basicly. While not what I make in my regular job, it is about on par with earnin...

 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Wed Jan 25, 2012 7:06 am 

Replies: 30
Views: 23889


You can always force your way into thinking that your time is money. The problem is most of the time people overvalue their time as a justification for spending money. By putting yourself into the mindset that time does not equal money you will find yourself spending less in more areas of your life....

 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Tue Jan 24, 2012 8:28 pm 

Replies: 30
Views: 23889


Also if time was truely precious to the majority of people, Facebook would fail as a business.

 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Tue Jan 24, 2012 8:24 pm 

Replies: 30
Views: 23889


$2.50 does seem like very little money, but like most small expenses it is quatity that gets to you. For me that is 2.50 one way. So lets say that I work 20 days a month for one year. That is 240 days of work, at $5 a pop. $1200 over the course of a year. As a 31 year old I have approx. 34 years unt...

 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Tue Jan 24, 2012 12:29 pm 

Replies: 30
Views: 23889


I live about 20 miles from my office, I take public roads to and from work which takes 30-45 minutes each way. Often at work I am asked why I don't use the Toll ways to get to and from work. When i tell people they cost too much I always hear the same excuse. "My time is worth more." That ...

 Forum: News & Announcements   Topic: Crawling out of the trailer park

Posted: Tue Jan 17, 2012 9:27 pm 

Replies: 2
Views: 8779


Thank you, the lunches haven't been so bad. In November I took a new position within my company and my new team prefers to eat onsite which makes it a lot easier. My previous team pressured everyone into going out to eat. It was expected for people there to go out. Social pressures are a big reason ...

 Forum: Personal Finance   Topic: Save for your child's education before your own retirement

Posted: Tue Jan 17, 2012 5:08 pm 

Replies: 7
Views: 1609


As JMC said most will do them together, but dropping retirment investment to focus on college could be a pretty bad deal. You will lose out on years of compounding while you are in the years that you need to be pumping money in the most. Being underfunded on a college fund can be assisted with loans...

 Forum: Personal Finance   Topic: Non-529 place for college savings

Posted: Tue Jan 17, 2012 10:33 am 

Replies: 6
Views: 1630


I would suggest keeping it in the 529, It is tax advantaged and with compound interest assuming only a 6% rate of return even something as small as $500 would grow to be 1,346.39 in 17 years. Compare that to a CD at around 2% and you are looking at only 700.12.

 Forum: News & Announcements   Topic: Crawling out of the trailer park

Posted: Tue Jan 17, 2012 9:27 am 

Replies: 2
Views: 8779


My dad passed away when I was 12, his life insurance was enough for my mom to buy us a modest house near Waco. The social security my mom and I received was more than enough for us to live frugal but prosperous lives. About a year and a half later my mom decided to re-marry. Doing this meant she wou...
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