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Viewing profile - jgoldenmba

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jgoldenmba
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Joined: Wed Dec 26, 2012 8:11 am
Last visited: Wed Jan 02, 2013 12:30 am
Total posts: 10
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 10 Posts / 100.00% of user’s posts ]
Most active topic: I need advice.
[ 10 Posts / 100.00% of user’s posts ]

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jgoldenmba Posts

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 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 6:56 pm 

Replies: 45
Views: 5350


I understand Straight Talk uses Verizon's towers and its $45/mo unlimited data,text, and talk. No contract. I'm looking into the accuracy of my recent findings but that could save $80/mo if its true.

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 6:41 pm 

Replies: 45
Views: 5350


I think the really big key is "decent amount annually, $130k" just doesn't seem to really go as far as one would think, especially with a family of four. Unfortunately, the options are really (1) Make more money. (2) Spend less. While you search for opportunities to make more money, the m...

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 6:35 pm 

Replies: 45
Views: 5350


Just to clear the confusion. I went to nothing but public schools and by no means come from anything close to a silver spoon. Where we live daycare is expensive. This daycare is just a normal daycare, it's not pre-private school. My kids will go to public school just as we did. There are other cente...

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 12:24 pm 

Replies: 45
Views: 5350


Good advice so far. I'm still trying to wrap my mind around $1800+ a month for daycare!!! Is there not a cheaper alternative? Sure, in home daycare but we feel the social benefit is worth the additional cost. In our area in home costs roughly $360-380 per week versus the $450 we pay. It's a big dif...

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 9:04 am 

Replies: 45
Views: 5350


The problem is we are upside down as they are both new vehicles. purchased in 2011. My wifes car is $590 per month. We could get what we can for her car and roll the negative equity into a much cheaper car. Isn't all car ownership upside down? I can't think of any case where a car is worth more (or...

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 9:02 am 

Replies: 45
Views: 5350


most people, when they can't afford something, don't buy it. I think in America the opposite is true: most people, when they can't afford something, buy it on credit. Anyway, I agree that $160 is too much for cellphones, even if (as I assume) this refers to two cell phone plans, one for you and one...

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 8:59 am 

Replies: 45
Views: 5350


Our interest rates are 2.49% on the cars... we have 800+ credit scores. student loans have been consolidated and rates are from 4-6%.

 Forum: Personal Finance   Topic: I need advice.

 Post subject: Re: I need advice.
Posted: Wed Dec 26, 2012 8:58 am 

Replies: 45
Views: 5350


What are your interest rates on your student loans and car loans? Normally, I would say the smartest is to pay down the highest rate debt first, but if your priority is cash flow, which it sounds like it is, then tackling the lowest balance debt first may be your better choice because, as you noted...

 Forum: Personal Finance   Topic: I need advice.

 Post subject: I need advice.
Posted: Wed Dec 26, 2012 8:25 am 

Replies: 45
Views: 5350


My wife and I make a decent amount annually, $130k combined. Cashflow is a serious issue. We truly live paycheck to paycheck and have maybe $100 in our accounts at the end of the month. Our monthly cashflow is as follows. net income $6950 (after taxes, deductions, etc.) cable $50 electric $170 mortg...
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