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Viewing profile - Fillanzea

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Fillanzea
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Joined: Sun Apr 15, 2007 1:31 pm
Last visited: Fri Sep 11, 2009 8:52 am
Total posts: 88
[0.10% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 64 Posts / 72.73% of user’s posts ]
Most active topic: In which Filla attempts to keep her finances in order...
[ 12 Posts / 13.64% of user’s posts ]

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Fillanzea Posts

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 Forum: Personal Finance   Topic: The great roommate dilemma

Posted: Fri Sep 11, 2009 8:52 am 

Replies: 7
Views: 2514


Well, the idea is that I would get my savings from my writing income, which I don't really touch, but was over $40,000 before taxes last year (and I have that much coming to me this year too). It's HARD knowing that I have sufficient money sitting in the bank so that I really don't have to deal with...

 Forum: Personal Finance   Topic: The great roommate dilemma

Posted: Tue Sep 08, 2009 7:45 am 

Replies: 7
Views: 2514


It would be a person I found online. The decision would be much easier if I knew a person who was looking for a roommate. We will certainly interview each other beforehand -- two years ago I was living in a 4-bedroom where the tenants were picked by the landlord and I didn't get a chance to talk to ...

 Forum: Personal Finance   Topic: The great roommate dilemma

 Post subject: The great roommate dilemma
Posted: Thu Aug 27, 2009 2:52 pm 

Replies: 7
Views: 2514


I live in Brooklyn, NY, with a roommate. In November she is moving, and I'll be moving out. But what I still need to decide is whether to get a studio by myself, or a shared apartment. I'm 27. I work part-time and my take-home pay is roughly $1700 a month. I have a good emergency fund, and some reti...

 Forum: Personal Finance   Topic: How to arrange assets in 401k, roth, and regular accounts

Posted: Mon Nov 17, 2008 9:25 am 

Replies: 3
Views: 1968


You would want to investigate how tax-efficient each of those funds are, and then try to allocate the most tax-efficient ones to your taxable accounts and the least tax-efficient ones to your IRA.

 Forum: Personal Finance   Topic: Balancing saving with living now. (how do you do it?)

Posted: Sun Nov 09, 2008 6:05 pm 

Replies: 14
Views: 4525


It helps to have a solid plan of what 'enough' looks like in your future, and what it will take to get there. The goal, in life, is not to end up with as much money as possible -- your financial goal is to end up with enough money so that you can accomplish what's important for you, whether that's c...

 Forum: Personal Finance   Topic: Do you NEED a budget?

Posted: Mon Nov 03, 2008 2:54 pm 

Replies: 26
Views: 6881


I budget very loosely in some months, not at all in others. Why it works for me: -I have a savings target for each paycheck and pull it out of my checking account the day I get paid; my retirement savings gets pulled out of my paycheck automatically. -My spending is pretty consistent from month to m...

 Forum: Personal Finance   Topic: Economy in crisis, should I be cutting back?

Posted: Tue Sep 30, 2008 3:08 pm 

Replies: 6
Views: 3430


I'm in a similar position to you, and I'm sticking to my current savings plan. Now, I have a relatively stable government job (in New York, though, so layoffs are possible), and I'm not particularly worried about losing my job, so that may not be the case for you. If not saving at all makes you nerv...

 Forum: Personal Finance   Topic: What NOT to do

Posted: Tue Sep 30, 2008 6:40 am 

Replies: 18
Views: 5996


Given the high level of individual differences when it comes to how people respond to birth control hormones, arguing about which kind is the best is kind of like arguing which flavor of ice cream is the best.

Except with more crying and unexpected body hair growth.

 Forum: Personal Finance   Topic: Freelancing and taxes

 Post subject: Freelancing and taxes
Posted: Thu Sep 04, 2008 2:03 pm 

Replies: 7
Views: 2626


Can anyone point me to a good book on the tax implications of freelance work? I'm not a small business owner, nor a full-time freelancer; I'm a full-time librarian who just sold her first novel (yay! :D ) but aside from putting half my advance away for taxes I'm not sure what to do. In particular, b...

 Forum: Personal Finance   Topic: Frugal living in an expensive city

Posted: Wed Sep 03, 2008 1:28 pm 

Replies: 5
Views: 2538


Get lots of roommates, don't go out to eat, and keep your 'sidewalk tax' as low as you can manage... Sidewalk tax is how, whenever you set foot outside, somehow you manage to spend $20. Because you get hungry and stop in at a cafe for a snack, and then before you know it it's mealtime and you spend ...

 Forum: Personal Finance   Topic: fighting lifestyle inflation

Posted: Mon Aug 25, 2008 7:54 am 

Replies: 15
Views: 15378


I think it's important to think carefully and realistically about what would make your life better and what wouldn't. To have a clear vision of what your ideal frugal life looks like. If I'm realistic, I don't really want to change any aspect of my current lifestyle - except that I have roommates wh...

 Forum: Personal Finance   Topic: This is what avoidance gets you

Posted: Wed Aug 20, 2008 7:05 pm 

Replies: 6
Views: 3112


Sit tight and chip away at them as you're able. I know people whose student loans are a LOT worse than yours are, and who aren't necessarily raking in huge amounts of money to pay them off. I think the more important part is developing a game plan so that you're not making 26K two years from now. Ar...

 Forum: Personal Finance   Topic: Employer sponsored 401(k) alternatives?

Posted: Fri Aug 15, 2008 8:29 am 

Replies: 2
Views: 1890


Have you already contributed your max to a Roth IRA? You don't get to contribute pre-tax income to anything except a 401k or 403b, as far as I know (a 403b is like a 401k but for some government jobs), but the tax benefits of a Roth IRA are excellent over the long term.

 Forum: Personal Finance   Topic: Budget Help - Overdid Housing?

Posted: Fri Aug 15, 2008 6:54 am 

Replies: 18
Views: 7266


Can you break down that "food/leisure/general" a bit more, just by tracking your spending for a month or so? That is where I would be looking to reduce expenses, by cooking at home some more, or by cultivating some cheaper hobbies, or just delaying gratification a little bit more. Or - hav...
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