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Viewing profile - candicem

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candicem
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Joined: Mon Mar 19, 2012 11:09 am
Last visited: Fri Oct 05, 2012 9:27 am
Total posts: 36
[0.04% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 31 Posts / 86.11% of user’s posts ]
Most active topic: Lease Buyout
[ 9 Posts / 25.00% of user’s posts ]

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candicem Posts

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 Forum: Fiscal Fitness Journals   Topic: Operation Positive Networth

Posted: Tue Oct 02, 2012 5:28 am 

Replies: 8
Views: 3295


We have met our goal to have a positive net worth by October 1! It's not by much, but just $3 counts in my opinion! A few updates: - I bought my leased camry, paying $3K down and financing the remainder (approx. $13K) at 1.99% for 48 months. My plan is to pay it off in 24 months. - I funded $2500 to...

 Forum: Fiscal Fitness Journals   Topic: Operation Positive Networth

Posted: Tue Jul 03, 2012 11:26 am 

Replies: 8
Views: 3295


July's Networth: Assets: Cash - $28,830.00 Stocks - $763.00 Bonds - $3,856.00 Retirement - $32,444 Condo - $157,000 Total Assets: $222,893.00 Liabilities: Mortgage - $140,511.00 Student Loan - $88,787.00 Credit Card - $1,949.00 Total Liabilities: $231,247.00 Networth: Negative $8,354.00 I'm very hap...

 Forum: Personal Finance   Topic: Lease Buyout

 Post subject: Re: Lease Buyout
Posted: Wed Jun 13, 2012 8:57 am 

Replies: 18
Views: 4315


I just wanted to post an update. I decided to buyout the lease now and start paying to own the vehicle now. The buyout price adds the remaining lease payments to the residual amount less a little bit for the monthly rent charge that Toyota gets. So it actually works in my favor to do it now rather t...

 Forum: Personal Finance   Topic: Opening credit cards for the cash back offer

Posted: Wed Jun 06, 2012 6:02 am 

Replies: 14
Views: 179452


I make a bunch of extra cash by doing this, including $600 in amazon gift cards. We used the amazon gift cards for necessary purchases, not extras. So it really saved us some money.

 Forum: Fiscal Fitness Journals   Topic: Operation Positive Networth

Posted: Mon Jun 04, 2012 11:41 am 

Replies: 8
Views: 3295


Time for an update of June's networth: We increased our networth from negative $14,149 to negative $13,054. We actually saved quite a bit. We saved over $2,000 in cash and another $1,000 in retirement. But the markets did not perform well, so we didn't see as much of a gain as I would have liked. As...

 Forum: Personal Finance   Topic: Rent Decrease

 Post subject: Re: Rent Decrease
Posted: Wed May 30, 2012 10:44 am 

Replies: 17
Views: 3192


Over the weekend, my tenant officially signed the lease renewal at $1,100.00. It was early as he did not have to renew or give notice of intent to leave until the beginning of August. We actually met him for the first time then and he's a really great person. I know that personal stories shouldn't i...

 Forum: Personal Finance   Topic: Paying the Stupid Tax

 Post subject: Re: Paying the Stupid Tax
Posted: Mon May 21, 2012 12:52 pm 

Replies: 8
Views: 2227


[/quote]Try PayPal. It's free.[/quote]

I wish I could but my in-laws do not have internet access, believe it or not!

 Forum: Personal Finance   Topic: Paying the Stupid Tax

 Post subject: Paying the Stupid Tax
Posted: Mon May 21, 2012 8:49 am 

Replies: 8
Views: 2227


As much as I try to avoid wasting money to a lack of planning or forethought, it still happens. Just this weekend actually. My father-in-law just lost his job and my in-laws are without any income stream until unemployment starts. And they weren't doing terribly well before he lost his job. My husba...

 Forum: Personal Finance   Topic: Rent Decrease

 Post subject: Re: Rent Decrease
Posted: Fri May 18, 2012 11:03 am 

Replies: 17
Views: 3192


Because my job in Ohio is temporary and there is a chance that we may move back there in Fall 2013. Once we know where I'll be working after this job, then we can sell it if we're not going back to Pennsylvania.

 Forum: Personal Finance   Topic: Rent Decrease

 Post subject: Re: Rent Decrease
Posted: Thu May 17, 2012 11:56 am 

Replies: 17
Views: 3192


He agreed to meet in the middle with at $1,100.00 and will sign the lease renewal now. I completely agree that it's much better to give him a decrease, since he pays, treats the property well, and does not bother us with minor concerns in the middle of the night. It's just frustrating because we're ...

 Forum: Personal Finance   Topic: Rent Decrease

 Post subject: Rent Decrease
Posted: Wed May 16, 2012 5:57 am 

Replies: 17
Views: 3192


This is mostly just to vent...My tenant asked for a rent decrease from $1150 to $1050 if he renews the lease. We really want him to renew because he's a great tenant. And to find another tenant, since we're 400 miles away, would cost us a month's rent in agent fees. So we'd only lose if we didn't ag...

 Forum: Personal Finance   Topic: Lease Buyout

 Post subject: Re: Lease Buyout
Posted: Wed May 09, 2012 6:32 am 

Replies: 18
Views: 4315


Considering that you have limited your choices to those that involve buying a car you don't have the money for... yep, looks like buying this particular car would be a pretty good deal. And then you won't have to clean your junk outta the trunk nor argue with the dealer over how many scratches it h...

 Forum: Personal Finance   Topic: Lease Buyout

 Post subject: Re: Lease Buyout
Posted: Sat May 05, 2012 6:42 am 

Replies: 18
Views: 4315


Not necessarily. I see the value in doing so. The problem is that I have to convince my husband that owning any car is a good idea. He thinks that leasing is the answer. He leases his current car and plans to lease again. He doesn't want to see me driving around in a car that may or may not be reli...

 Forum: Personal Finance   Topic: Lease Buyout

 Post subject: Re: Lease Buyout
Posted: Sat May 05, 2012 6:38 am 

Replies: 18
Views: 4315


Leases do have some advantages (most notably that of allowing you to drive a more expensive car than you could normally, since the payments are lower than for a purchase or similarly driving a car you could afford to buy, but with a lower monthly payment), but unfortunately those advantages only ap...
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