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Viewing profile - bejki

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Joined: Thu Jan 26, 2012 9:23 pm
Last visited: Wed Feb 20, 2013 9:54 am
Total posts: 26
[0.03% of all posts / 0.02 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 15 Posts / 57.69% of user’s posts ]
Most active topic: Do you think it's right or wrong to splurge?
[ 3 Posts / 11.54% of user’s posts ]



E-mail address: E-mail
PM: Send private message
Location: Michigan
Interests: Finance, Personal Finance, Excel, Piano, History
Website: http://thefinancialreader.com/


"I figure you have the same chance of winning the lottery whether you play or not."
Fran Lebowitz

Don't be passive about your finances: http://thefinancialreader.com

bejki Posts

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 Forum: Personal Finance   Topic: How are we doing?

 Post subject: Re: How are we doing?
Posted: Tue Feb 12, 2013 4:12 pm 

Replies: 19
Views: 3084

I think you are doing great!!!!! I think retiring in your 50's is possible; depending on how the market goes during the next decade, how much more you can contribute, and what kind of lifestyle you would like at retirement. If your main goal of retirement in the next 10-15 years is to just get out o...

 Forum: Personal Finance   Topic: Do you think it's right or wrong to splurge?

Posted: Sun Feb 10, 2013 7:56 pm 

Replies: 20
Views: 3526

Cely, I see what you mean about visiting your brother in Tokyo. My wife is European, so we have been trying to go there every other year to visit her family. I don't consider this a splurge either. Family is something that is very important to us. But that is also a good example of why we do manage ...

 Forum: Tips, Tricks, Links, Pointers   Topic: I-bonds going to under 1%

Posted: Sat Feb 09, 2013 6:26 pm 

Replies: 7
Views: 4023

Can you sell i-bonds after 10 months? I know this thread is several months old, but thought I'd post the minimum holding period. EE and I bonds can be redeemed after 12 months. In certain "hardship" situations they will allow you to redeem them before that period. If you redeem the bonds ...

 Forum: Personal Finance   Topic: Do you think it's right or wrong to splurge?

Posted: Sat Feb 09, 2013 5:19 pm 

Replies: 20
Views: 3526

And finally, it has to be worth it - worth the cost of earning the money, worth the lost opportunity cost, etc. I don't want to regret spending the money after it's gone. You bring up a good point. One thing that I often do before buying is to ask myself how many hours do I have to work to purchase...

 Forum: Personal Finance   Topic: Do you think it's right or wrong to splurge?

Posted: Sat Feb 09, 2013 5:13 pm 

Replies: 20
Views: 3526

Good question. I'm sure we all have our own "rules" we go by. We don't eat out often, so when we do eat out I will splurge some. If I am paying somebody to cook my dinner for me then I want to really enjoy it. To me it is wasting money to go out for a mediocre meal. I am not frugal for the...

 Forum: Personal Finance   Topic: How should we prioritize retirement, student loans, house?

Posted: Sat Feb 09, 2013 4:30 pm 

Replies: 3
Views: 1219

I've often found myself in your situation when determining how to manage my money. It's really a juggling act and one thing I learned is that it is okay to change my priorities as time goes on. When I was just getting started with saving money and paying off debt, I was constantly re-evaluating and ...

 Forum: Personal Development   Topic: Which (full lenght) movies inspire you most?

Posted: Sat Feb 09, 2013 3:53 pm 

Replies: 4
Views: 3168

A couple of years ago I watched the movie The Shawshank Redemption. One of the things that inspired me from the movie was the main character's determination to regain his freedom. It took years to accomplish this and out of necessity accomplishing it had to be slow and subtle. But in the end it paid...

 Forum: Personal Finance   Topic: Using cash to maintain a budget

Posted: Fri Mar 09, 2012 10:07 pm 

Replies: 6
Views: 1369

I used envelope budgeting early on in my quest for financial stability and found it to be really helpful. Envelope budgeting is probably the simplest form of budgeting, but the nice thing about that simplicity is that it is a time saver, which may help you stick with it. Other forms of budgeting req...

 Forum: Personal Finance   Topic: Emergency Fund

 Post subject: Re: Emergency Fund
Posted: Fri Mar 09, 2012 9:16 pm 

Replies: 16
Views: 3251

I don't consider it as part of an emergency fund. While in certain circumstances and depending on your employers policies, those benefits may be able to be used in an emergency, these benefits probably have their limits. In other words, you are at the mercy of your employer of how, when, or even &qu...

 Forum: Personal Finance   Topic: Is it possible Transfer Money From Savings To Actual Accont?

Posted: Fri Mar 02, 2012 10:46 pm 

Replies: 6
Views: 1365

It is possible and there are online limits to the number of transactions. Transactions that you make in person at the bank or at an ATM do not count toward the monthly limit in the regulation. The monthly limit is 6 electronic transfers or payments coming from a savings account (or any other accoun...

 Forum: Personal Finance   Topic: First Credit Card (Help!)

Posted: Fri Mar 02, 2012 10:19 pm 

Replies: 25
Views: 3402

It is not necessary to carry a balance for a credit card to be used to build your credit history. Carrying a balance has absolutely no weight on improving your FICO score (the most commonly used credit score); however, carrying a balance can lower your score. I would avoid carrying a balance, in mos...

 Forum: Personal Finance   Topic: Emergency Fund vs. Credit Card Debt Payment

Posted: Sat Feb 25, 2012 10:39 am 

Replies: 10
Views: 2358

In my opinion it is best to first focus on starting your emergency fund. Without having some sort of emergency fund started first, any of your efforts to payoff credit card debt could be washed when an emergency pops up; as without an emergency fund, you may end of having to pay for your emergency u...

 Forum: Personal Finance   Topic: How To Organize Your Savings

Posted: Sat Feb 18, 2012 10:27 am 

Replies: 8
Views: 2886

Particularly when it comes to online savings accounts, you should consider that actually withdrawing your cash can take a couple days. Good point. I wouldn't use an online savings account as my only "emergency fund" account. While online savings accounts can offer higher rates, you may fi...

 Forum: Success Stories   Topic: Paid off a student loan!

Posted: Tue Feb 14, 2012 9:29 pm 

Replies: 15
Views: 20368

Great job! I have my student loan and mortgage left (then I can officially say I am debt free!) Has anybody used the Upromise program to help pay down their student loans?
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