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A place for Get Rich Slowly readers to ask questions
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It is currently Sat Jul 30, 2016 5:27 pm



Viewing profile - ssarah

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ssarah
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Joined: Fri Feb 10, 2012 6:14 am
Last visited: Fri Feb 06, 2015 8:05 am
Total posts: 74
[0.08% of all posts / 0.05 posts per day]
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Most active forum: Personal Finance
[ 74 Posts / 100.00% of user’s posts ]
Most active topic: Help Me Prioritize - High Income, High Debt
[ 3 Posts / 4.05% of user’s posts ]

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ssarah Posts

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 Forum: Personal Finance   Topic: Can not get on top of my debt. I need help please.

Posted: Tue Jan 27, 2015 7:56 pm 

Replies: 65
Views: 7968


Sell the condo. Take the 40k, and use no more than $15k to buy a 2010ish 4-door car, take no more than $15k to buy a 2008ish truck. Sell your current car and truck, using the remaining money from the condo sale to pay off the loans if need be. So now you don't have $250/month coming in from the cond...

 Forum: Personal Finance   Topic: How do YOU do your taxes?

Posted: Thu Jan 15, 2015 9:46 am 

Replies: 25
Views: 4997


I've been paying for turbotax online for about 10 years. For me it's easily worth the money.

 Forum: Personal Finance   Topic: New here - Not sure how to prioritze/Set goals

Posted: Fri Jan 09, 2015 8:08 am 

Replies: 13
Views: 1609


We have a murphy bed in our "extra" room (was a home office, now will be our son's bedroom when our daughter arrives) and it helps a lot - it can be a guest room the few days a year when that's needed but otherwise it's not in the way. In a previous house we had a pull out couch from Ikea ...

 Forum: Personal Finance   Topic: New here - Not sure how to prioritze/Set goals

Posted: Wed Jan 07, 2015 2:44 pm 

Replies: 13
Views: 1609


I agree with Apples, I think it's hard to face not making any financial progress for a few years if that's what you've been focused on. I was also focused on paying off my student loans, saving up a large emergency fund, retirement, etc, when I got pregnant with my first and though we have made prog...

 Forum: Personal Finance   Topic: Gardening...fresh produce, the frugal way

Posted: Wed Jan 07, 2015 2:37 pm 

Replies: 7
Views: 995


I grow about 1/2 of the produce for my family (we eat a lot of veggies) and I live on 1/8 acre in the city. As my fruit trees mature I hope to increase that. We do get gallons and gallons of pecans from mature trees. I grow all our greens (we eat green every day), herbs, cucumbers to eat fresh and a...

 Forum: Personal Finance   Topic: New here - Not sure how to prioritze/Set goals

Posted: Mon Jan 05, 2015 9:05 pm 

Replies: 13
Views: 1609


Hm. I can relate to some of what you're feeling - we make around the same, spend the same on daycare, and things do feel tight. But I don't see why you need a bigger house or car? We have a 2nd on the way and no plans to upgrade car or house (<900 sf) though a second bathroom would be nice. You're p...

 Forum: Personal Finance   Topic: New member - need advice

Posted: Sun Jan 04, 2015 6:39 pm 

Replies: 16
Views: 1994


What is making you feel like you need a new car? Just the gas mileage? How many dollars a month would a new (or newer) car save you? I drive a 2009 car and my husband drives a 2007 truck and we don't plan to trade up for at least 3-6 more years. I guess I don't see the urgency. You don't seem suffic...

 Forum: Personal Finance   Topic: Best way to manage money in a marriage

Posted: Fri Jan 02, 2015 3:40 pm 

Replies: 37
Views: 14613


I have no problem with the concept of separate finances but I really don't understand how it works in practice. It seems like it can only work as long as both partners are working and making reasonably similar amounts of money. My husband and I have been together for 16 years. During that time, ther...

 Forum: Personal Finance   Topic: Advice for a financially minded 25yr old

Posted: Fri Jan 02, 2015 3:35 pm 

Replies: 3
Views: 1156


The income based thing won't work the way you think, unless you plan to continue making 22k/year and never get married (in which case I have to agree with raindrop). As you earn more you'll be paying more and eventually just repaying the interest that you're not paying now. If you get married and fi...

 Forum: Personal Finance   Topic: advantage of 401k over IRA?

Posted: Thu Nov 06, 2014 7:32 pm 

Replies: 3
Views: 1009


Well, that explains why I never even heard of it having worked here two years (just saw something on the company benefits listing on the website when I was looking for something else). I'm assuming no one really uses it.

 Forum: Personal Finance   Topic: Applying for a credit card - noobish question

Posted: Thu Nov 06, 2014 12:29 pm 

Replies: 3
Views: 914


Sure, I've applied for a card over the phone and when they told me the limit I said never mind.

 Forum: Personal Finance   Topic: advantage of 401k over IRA?

 Post subject: advantage of 401k over IRA?
Posted: Wed Nov 05, 2014 7:18 pm 

Replies: 3
Views: 1009


I just found out my employer has a 403b that I can contribute to. However, they don't match. (They do contribute 3.5% of my salary to another type of retirement plan, regardless of whether I contribute). Right now I can only afford to put $5000/year to retirement as I'm focused on my student loans f...

 Forum: Personal Finance   Topic: Young(ish) tax professional looking for unbiased advice

Posted: Sun Nov 02, 2014 6:19 pm 

Replies: 11
Views: 1631


I can only say that my husband and I both have significant grad school debt (not as much as you) and moderate salaries (not as much as you) and children, and we wouldn't save money doing IBR. And that's even considering that I'm a public servant and could have my debt discharged in 10 years instead ...

 Forum: Personal Finance   Topic: Young(ish) tax professional looking for unbiased advice

Posted: Sat Nov 01, 2014 6:40 pm 

Replies: 11
Views: 1631


If he lost his job, he could put his loans in deferment. And if he lost his job, then he would probably wish he kept his credit cards. I completely disagree. However, to the OP, I think you need to run the numbers on your loan and see if you're really likely to save any money by staying on income ba...
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