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Viewing profile - camping

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camping
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Joined: Thu May 24, 2012 4:20 pm
Last visited: Tue Jan 06, 2015 12:52 am
Total posts: 20
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Most active forum: Personal Finance
[ 12 Posts / 60.00% of user’s posts ]
Most active topic: Looking to go on a Diet... Need help.
[ 2 Posts / 10.00% of user’s posts ]

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camping Posts

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 Forum: Personal Finance   Topic: Seeking Advice on Saving for a New Home & Growing Net Worth

Posted: Sun Apr 14, 2013 5:35 am 

Replies: 16
Views: 2035


I think paying off your debts and deciding what is necessary and what is not is your first move. It's really up to you to decide if you prefer paying $680/month in car payments (ouch) or if you'd much rather free that money up. I do agree with Ray for the most part and all of his points there. Secon...

 Forum: General Discussion   Topic: Internet TV

 Post subject: Re: Internet TV
Posted: Fri Mar 22, 2013 12:25 pm 

Replies: 16
Views: 7324


I am starting to feel the same way. We got rid of cable when I was temporarily unemployed. Since then, we have had Netflix. It's been over two years now. I still miss cable. I admit---I am a TV watcher, as it is my way to relax. But there are so many programs that I used to watch on cable that I rea...

 Forum: Personal Finance   Topic: Taking a pay cut, need some feedback

Posted: Sat Feb 09, 2013 2:02 pm 

Replies: 6
Views: 2090


I would also agree to stop paying extra on the mortgage for now. I think you can lower your food bill by $100. We are not even remotely vegetarian (my husband does low-carb permanently) and we spend less than $300/month on groceries buying tons of meat. We are also big eaters but thankfully not big....

 Forum: Personal Development   Topic: Paying for Grad School

 Post subject: Re: Paying for Grad School
Posted: Sat Feb 09, 2013 1:45 pm 

Replies: 4
Views: 3001


In my entire (and all too lengthy) undergraduate/graduate career, I spent $150-$200 on books for one class regularly because science books are expensive like that---and of course, every textbook needs a lab book. I will say that I did purchase an international version of an organic chemistry book on...

 Forum: Personal Finance   Topic: ING Black Friday "Deals" $107 checking, $100 sharebuilder

Posted: Mon Dec 10, 2012 5:32 am 

Replies: 10
Views: 2640


I have a stupid question about ING, ally, etc all those online banks. What's the catch? Where does your money go when you open an account with them? For instance, a brick and mortar bank (the best I can find at the amount I have to open an account), would offer an APY of 0.15 for a savings account....

 Forum: Personal Finance   Topic: Financial gift to niece and nephew

Posted: Fri Nov 30, 2012 5:42 pm 

Replies: 4
Views: 1457


Savings bonds are entirely online now, I believe. Honestly, the online system is terrible. I tried to get one last year but I kept having trouble getting through after multiple attempts and went to one of the last banks to offer them before they stopped giving them out. Maybe it's better now but it ...

 Forum: Personal Finance   Topic: web and phone services

 Post subject: Re: web and phone services
Posted: Tue Nov 27, 2012 4:26 pm 

Replies: 18
Views: 3147


I looked it up, and it looks like all I have available is Frontier, or TimeWarner, unless I go farther afield to more exotic choices, which I'm not sure how they work. It looks like I maybe could do something like phone via Frontier, and then internet via Earthlink? Has anyone had any experience wi...

 Forum: Personal Finance   Topic: Help! How to keep track of expenses

Posted: Sun Nov 11, 2012 5:59 pm 

Replies: 23
Views: 4467


I think brad starts off with a good point. So let's go from there. If you are trying to set a budget for the month and then spend money from there, you need to decide how much you are allocating to what area of your budget. If you are really trying to cut down on expenses, you might need to go throu...

 Forum: Tips, Tricks, Links, Pointers   Topic: Budgeting tip for fans of paying with plastic

Posted: Wed Nov 07, 2012 5:03 am 

Replies: 9
Views: 5635


What I do is budget an amount for the month. I budget my maximum amount and work from there. Every time I purchase something, I keep the receipt and then put the amount into my excel file so that it deducts it from the budgeted amount. This helps because I purchase all my groceries with a credit car...

 Forum: Personal Finance   Topic: any good budgeting software out there?

Posted: Wed Nov 07, 2012 4:47 am 

Replies: 8
Views: 3068


I use a little/simple excel file that you can download for free by Googling "pear budget excel." Not what you wanted but just putting that out there for anyone reading the forums.

 Forum: Personal Finance   Topic: New Grad: Am I Living Beyond My Means?

Posted: Sun Oct 14, 2012 10:25 pm 

Replies: 27
Views: 3551


I live in a major city and you can sustain yourself on your budget. However... 1. I'd see if I could knock the gas bill down a bit. If you are now living closer to work, will your gas budget decrease significantly? 2. Your food bill is too high. My husband and I have a lot more take home pay than yo...

 Forum: Personal Development   Topic: online and distance learning bachelor degrees

Posted: Mon Oct 08, 2012 2:48 am 

Replies: 12
Views: 7479


Many brick and mortar schools now offer online degrees. I would check out city and state schools for their options, as they may also be on the cheaper side.

 Forum: Personal Development   Topic: Looking to go on a Diet... Need help.

Posted: Mon Oct 08, 2012 2:39 am 

Replies: 47
Views: 21151


Agreed on all counts. It's clear that a low-carb diet is the only thing that works for some people, while others (like me) have no trouble losing weight on a low-fat or simply an "eat a little of everything and not too much of anything" diet. And I think that those different responses pro...

 Forum: Personal Development   Topic: Looking to go on a Diet... Need help.

Posted: Mon Sep 24, 2012 7:02 am 

Replies: 47
Views: 21151


My husband has attempted to change his lifestyle numerous times and I find it quite laughable that everyone thinks it's as simple as "eating less, working out more" because it's not true for everyone. I feel badly for my husband because the guy eats less than I do and works out three or fo...
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