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It is currently Thu May 26, 2016 3:28 pm



Viewing profile - Mario

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Mario
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Joined: Fri Jan 18, 2013 7:21 am
Last visited: Tue Oct 29, 2013 11:00 am
Total posts: 95
[0.11% of all posts / 0.08 posts per day]
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Most active forum: Personal Finance
[ 62 Posts / 65.26% of user’s posts ]
Most active topic: Managing $0.5 million in debt (Starting w/$35k credit cards)
[ 19 Posts / 20.00% of user’s posts ]

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Location: New York
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Interests: Just trying to pay down some debt and save a little -- hopefully intelligently. Also, I tweet at @debtblag, blog at http://debtblag.com
Website: http://debtblag.com

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http://debtblag.com

Track my fiscal fitness with $0.5 million in debt: http://getrichslowly.org/forum/viewtopic.php?f=11&t=61052 Latest update: As of April 16, I've paid off $21,400 in credit card debt this year (after starting with $35k)

Mario Posts

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 Forum: Personal Finance   Topic: Credit Cards rob US kids college funds ...

Posted: Sun May 12, 2013 6:24 am 

Replies: 13
Views: 1714


Would need to see the corresponding Canadian numbers for comparison

 Forum: Personal Finance   Topic: Credit Cards!!!

 Post subject: Re: Credit Cards!!!
Posted: Sun May 12, 2013 6:21 am 

Replies: 10
Views: 1699


I think you should keep them as closing them would affect your utilization and your age of credit.

Buy a pack of gum with them every six months so they don't go inactive, then keep them in your sock drawer (in your sock drawer...in a safe) the rest of the time.

 Forum: Personal Finance   Topic: Buying a apt in NYC

 Post subject: Re: Buying a apt in NYC
Posted: Sun May 12, 2013 6:19 am 

Replies: 3
Views: 1027


Hopefully the UWS is better, but the prices seem out of control here in Brooklyn. I was looking at 3-bedrooms and would pay $900k-1m for places I could rent for $4,500 in the neighborhoods closer to Manhattan. I can't imagine how those numbers would make sense. Good luck and keep us posted on how it...

 Forum: Personal Finance   Topic: Net Worth Crosses $100k for First Time

Posted: Sun May 12, 2013 6:07 am 

Replies: 7
Views: 1804


Amazing! Congrats to you both :)

(I'm working hard to get to 0 net worth http://sadtrombone.com )

 Forum: Personal Finance   Topic: I need a million dollars to retire? Really?!

Posted: Sun May 12, 2013 6:06 am 

Replies: 42
Views: 5924


Can someone be realistic here? Just about every web site I have been on says you need a million dollars to retire on. WTF! Where are the numbers for us normal people? These are not the days of the past where you could earn 5%-8% on a simple CD. I know it wasnt that long ago, but back then, I could ...

 Forum: Tips, Tricks, Links, Pointers   Topic: Learn Self Control

 Post subject: Re: Learn Self Control
Posted: Wed Apr 17, 2013 7:11 pm 

Replies: 5
Views: 5412


If you make a habit of putting all your purchases on credit cards, regardless of whether you can pay your bill in full at the end of the month, you might still be paying for those items in 10 years. How would one "still be paying for those items in 10 years" if he or she pays the bill in ...

 Forum: Personal Finance   Topic: Trying to plan for my taxes next year

Posted: Tue Apr 16, 2013 10:35 am 

Replies: 82
Views: 6424


Ive been a member here for all of 3 mins, and Im already begging for advice...so I understand if this gets lots of views and no replys. I hope this is the right place in the foum. And please, if you can, refrain from the "you're rich so stop whining" rhetoric. we live in Cali, 250k a year...

 Forum: Tips, Tricks, Links, Pointers   Topic: Ways to save on necessary bills

Posted: Tue Apr 16, 2013 10:26 am 

Replies: 15
Views: 12534


In order to save money on groceries, you can buy staple food items in bulk. For example, flour has a shelf life of around 6 months. So, you can purchase flour for 6 months when your local grocery store is offering a discount. Yup. And you can freeze or seal other things to extend the life of other ...

 Forum: Fiscal Fitness Journals   Topic: Managing $0.5 million in debt (Starting w/$35k credit cards)

Posted: Tue Apr 16, 2013 10:21 am 

Replies: 31
Views: 10315


I have been slacking on keeping up on this in favor of keeping my blog updated (http://debtblag.blogspot.com), but there have been some big developments: On 3/31, I made an extra payment to break the $10k mark before the end of the first three months. On 4/8, I figured I was doing so well that I inc...

 Forum: Fiscal Fitness Journals   Topic: Managing $0.5 million in debt (Starting w/$35k credit cards)

Posted: Tue Apr 16, 2013 10:12 am 

Replies: 31
Views: 10315


Part of saving and living is to find the right balance; Dinner out once and a while might be a good thing - to let off a little steam. My wife and I try to have a drink before we go to dinner and or after at home. I find the cost of a glass of merlot at a resteraunt appalling - so I have a diet cok...

 Forum: Personal Finance   Topic: Can I afford a wedding?

 Post subject: Re: Can I afford a wedding?
Posted: Tue Apr 16, 2013 10:08 am 

Replies: 20
Views: 2851


Yeah, my student loans are yikes. But, my plan is to take advantage of the Public Service Loan Forgiveness Program . I currently work in municipal government, and I plan to stay in it as long as I can. Congratulations, first off. This is a neat program and since you've got $275,000 in student loans...

 Forum: Personal Finance   Topic: The redistribution investment strategy

Posted: Fri Apr 05, 2013 8:34 am 

Replies: 19
Views: 2211


No idea. When I saw this thread title, I assumed it a multi-index fund retirement strategy where you rebalance among the three from time to time...

 Forum: Personal Finance   Topic: Save cash for a house or get a mortgage?

Posted: Thu Apr 04, 2013 9:39 am 

Replies: 7
Views: 1670


I certainly would keep contributing enough to get any employer match. Other than that, it depends. How is your credit? Do you know your credit scores? How are your retirement and college savings balances? Do you have an extremely strong aversion towards debt? All those things too. One thing I'd be ...

 Forum: Personal Finance   Topic: The redistribution investment strategy

Posted: Thu Apr 04, 2013 6:56 am 

Replies: 19
Views: 2211


I don't know if anyone else is as concerned as I am about the state of our both our countries finances and some disturbing trends and options being discussed. 1) Came accross for the second time a discussion about the potential for seizing all 401k money because the average person has insufficient ...
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