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A place for Get Rich Slowly readers to ask questions
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Joined: Tue Apr 20, 2010 11:31 am
Last visited: Mon Mar 18, 2013 8:04 am
Total posts: 18
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Most active forum: Personal Finance
[ 14 Posts / 77.78% of user’s posts ]
Most active topic: Need Ideas for Saving Money Faster
[ 11 Posts / 61.11% of user’s posts ]

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 Forum: Personal Finance   Topic: Mortgage Shopping

 Post subject: Re: Mortgage Shopping
Posted: Sat Oct 30, 2010 2:24 pm 

Replies: 8
Views: 1467


Thanks! Where can I get a rate quote without a hard-pull? Every site I've been to for a pre-qualification asks for my ss#?

 Forum: Personal Finance   Topic: Mortgage Shopping

 Post subject: Mortgage Shopping
Posted: Fri Oct 29, 2010 11:36 am 

Replies: 8
Views: 1467


I am planning to shop around for a Mortgage. I know that if I have multiple pulls within a 1 week time period, that the credit agency's will count it as only 1 hard-pull. That being said, if I don't get the mortgage that I want ($$, terms, etc) I will wait and try again. My question is: How long do ...

 Forum: Fiscal Fitness Journals   Topic: Emergency Fund and Home Downpayment Savings Goals

Posted: Thu Jul 01, 2010 8:58 am 

Replies: 6
Views: 3206


Emergency Fund Goal by 4/21/2012: $22,000 Down Payment Goal by 4/21/2012: $42,000 ----- Emergency Fund Balance: $20 - June 30, 2010 Down Payment Balance: $5001 - June 30, 2010 - So i had a little car emergency to the tune of 1700 worth of repairs. YAY for being able to write a check and pay cash for...

 Forum: Fiscal Fitness Journals   Topic: Emergency Fund and Home Downpayment Savings Goals

Posted: Wed May 26, 2010 2:29 pm 

Replies: 6
Views: 3206


Emergency Fund Goal by 4/21/2012: $22,000
Down Payment Goal by 4/21/2012: $42,000
-----
Emergency Fund Balance: $516 - May 26, 2010
Down Payment Balance: $5249 - May 26, 2010

 Forum: Fiscal Fitness Journals   Topic: Emergency Fund and Home Downpayment Savings Goals

Posted: Wed May 26, 2010 2:22 pm 

Replies: 6
Views: 3206


Yes I meant Emergency Fund.

 Forum: Fiscal Fitness Journals   Topic: Emergency Fund and Home Downpayment Savings Goals

Posted: Mon Apr 26, 2010 8:34 am 

Replies: 6
Views: 3206


Hello All: I have a goal of creating a 3-6 month retirement fund, and putting 20% down on a condo on or before April, 2012. My financial situation is as follows: Job 1 income 3700/ month net Job 2 income 765/ month net For the 6 month emergency fund, that will be $22,200 (6x3700) And then for the ho...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Mon Apr 26, 2010 7:40 am 

Replies: 25
Views: 3808


THANKS ALL FOR THE HELP AND ADVICE.

I am going to move this over to the Fitness Journal section and track my progress there.

Thanks again!

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Wed Apr 21, 2010 2:35 pm 

Replies: 25
Views: 3808


Remember that an emergency fund is 3-6 months of expenses, not earnings. So if you are only spending $2300 a month, then you need $6900 in the emergency fund. I have a question, why do you need 20% down? Why not go with 10% down and then pay extra on the mortgage every month until you reach 80% equ...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Wed Apr 21, 2010 2:33 pm 

Replies: 25
Views: 3808


Just to throw it out there - if you have a SHORT TERM plan you can stick with, I would not rule out reducing your retirement savings to the minimum to get the match. (I know I'll be flamed for suggesting that). But if you really can stick with that short term savings goal then you could consider do...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Wed Apr 21, 2010 2:30 pm 

Replies: 25
Views: 3808


I'm on team "pay off your credit cards first." You will probably pay more in interest on the ccs than you will in earning interest from saving for a house if you continue to save for a house AND pay your ccs. Ok, Ok, I'm hearing the sounds loud and clear on pay off the credit cards. I'll ...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Wed Apr 21, 2010 6:21 am 

Replies: 25
Views: 3808


I would pay off the cards and then skip straight to the house downpayment. The cards will have to act as your emergency fund until after you get your mortgage, then start to build it up. Emergency funds are great but in this instance the opportunity cost is just too great. Building the emergency fu...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Tue Apr 20, 2010 2:11 pm 

Replies: 25
Views: 3808


I'm not sure you can meet thos goals. You would need to save $2700 a month to have $65000 in 2 years. With your income that would be difficult if not impossible since you would have to do it after tax. You will need to get your credit cards paid off as soon as possible to cut the interest expense. ...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Tue Apr 20, 2010 1:53 pm 

Replies: 25
Views: 3808


I would pay off the cards and then skip straight to the house downpayment. The cards will have to act as your emergency fund until after you get your mortgage, then start to build it up. Emergency funds are great but in this instance the opportunity cost is just too great. Building the emergency fu...

 Forum: Personal Finance   Topic: Need Ideas for Saving Money Faster

Posted: Tue Apr 20, 2010 1:51 pm 

Replies: 25
Views: 3808


I'm not sure you can meet thos goals. You would need to save $2700 a month to have $65000 in 2 years. With your income that would be difficult if not impossible since you would have to do it after tax. You will need to get your credit cards paid off as soon as possible to cut the interest expense. ...
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