Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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no offense, but no shit...
like I already stated:
I lived on my own for years before I had to swallow my pride and move back home... Didn't make sense to keep spending ~1K/month from...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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26 Replies
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You do have a character issue more frequently than OP does. Just because you made it through the difficult time with your own does not make you a better man than any other folks around here. Cut...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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CD/Money Market/Interest-Earning acct seems like a good idea for now
If you invest, you may lose money. If you keep your money in an FDIC-insured account you WILL lose money as real inflation is...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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26 Replies
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wait, what? who's living with their parents to avoid a commute?
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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26 Replies
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I am planning on contributing the max for the Roth this year because, as I understand it, it's post-tax $$ that gets to grow for "free" - I wouldn't pay tax on any $$ gained.... So since I have such...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Your budget is incomplete.
Where is housing?
That wipes a lot of your expected 5,400 in savings.
You are an adult. Move out. You are single with no debt. You can live on your own. Staying...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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26 Replies
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A couple notes,
Does your employer offer any type of tuition reimbursement?
Make sure your degree is worth the 13K/yr.
ASAP get out of that phone contract and move to a lower plan in the $30/month...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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I'm bitter because everyone seems to think it is a great idea for an adult who can support himself to be a burden on his parents. I feel sorry for the woman you marry who thinks she is getting a man...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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If you are home, debt free and asking help on what to do to maximize savings you have a character issue.
If you are not paying rent, food, electricity, water, garbage, sewage... yes, you are a...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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You didn't have to. You choose to. I was working full time raising my younger brother at 17 with no parental help. Those times made me a man. It's sad that people prefer living with their parents to...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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A few points here - First, OP can't support himself yet, because he burned through most of his savings while jobless, so he's trying to save up to get a condo and move out.
Second, not everyone...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Ok, this is gonna be my last response here because this is completely off topic at this point.
1. You are not necessarily a 'burden' if you live with your parents. The additional bills for them...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Saladdin is just bitter because he didn't have parents to fall back on, and is taking it out on you. Live with your parents, save up, and get yourself a nice place when you can. Ignore the haters,...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Not quite sure how saving money on housing hurts you in the long run...
I moved out the minute I got a job, but if I could stand living with my parents, and if they lived closer to my job, and if...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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He is not taking a girl factor on his budget.
That alone will eat away his savings in no time... :D
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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You will never learn how to deal with hard times with a safety net. Your character growth is stunted when you never have to deal with busted water heaters, insurance adjusters, shitty neighbors,...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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....................
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Not necessarily agreeing with saladdin or disagreeing with you, but OP is in his mid-20's, and DEBT FREE. The only reason he can't live on his own is because he refused to take out studen loans. ...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Well, I thought about that, but the savings wouldn't even pay for the ETF/Device fees for straight talk...
Lets say those are are ~38.month avg.. My sisters and I got together to get phones for my...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Another option, if you have an HDHP available to you through your employer, I would take that. You can open an HSA and it's tax free in and tax free out for qualified medical expenses. Once you get...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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If you pay for parking or transportation, you should be able to deduct that from your taxes (up to $240/mo) if your employer doesn't provide a tax-free transportation spending account.
Craigslist...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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There are different schools of thought on this. Some people are of the opinion that you should 1) Put in enough in your 401k/403b to get the max employer contribution (free money) 2) Max out a...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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the minimum - $10/pay period, I believe that amounted to $130 for the year (my benefits kicked in 7/1) - I take a nasal spray for allergies ($10/month copay) and then I then I'll be getting a pair of...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Glad to help.
You're probably right about the ROTH, but I'm no expert on retirement accounts so I'll let others give you better advice there :).
As for how much to charge for tech support, it's...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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I see one thing you can save $500 from your estimates... your phone bill, get straighttalk/tmobile prepaid for much cheaper, around $30-45 depending on your usage.
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Ok, some questions and some answers-
1. Why are you contributing post-tax money for retirement? Pre-tax money means you put more money in, which means it can grow more over time. Hopefully when...
Looking for assistance in budgeting/finances, trying to maximize my $$
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Thread created 07-29-2012 by small_stuff03
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Hi all, first, I've been reading the finance forum for awhile, a lot of great advice (for the most part ;) ) in here, appreciate all of it....
Here's my situation:
Mid 20's, single, no debt -...
