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Goinganontoday

Here’s an option that I haven’t seen yet...student loans typically allow in school deferments meaning that if you take college courses, your loan payments can be deferred while you are taking the courses. If any of your loans are subsidized, interest will not accrue during the period of the deferme...

Goinganontoday

Nothing. I don’t expect anything in the future. I would be amazed if my mother is not in deep debt when she dies and dies with the expectation that I’ll just find a way to fix everything for her. What would there be to fix? You aren't responsible for her debt. My mother has pretty much told me that...

Goinganontoday

Here’s an option that I haven’t seen yet...student loans typically allow in school deferments meaning that if you take college courses, your loan payments can be deferred while you are taking the courses. If any of your loans are subsidized, interest will not accrue during the period of the defermen...

Goinganontoday

Nothing. I don’t expect anything in the future. I would be amazed if my mother is not in deep debt when she dies and dies with the expectation that I’ll just find a way to fix everything for her. My DH has not inherited anything, although it’s very likely that he will inherit from his mother when sh...

Goinganontoday

We ended up cancelling it. We have Amazon Prime anyway and just use that as a replacement for Netflix. We also borrow DVDs from our public library, which has a pretty extensive collection. We didn't entirely cancel it because of the price increase, but when the price increased, we could no longer ju...

Goinganontoday

I am transferring my Lively HSA to Fidelity. I'm nearly through the process, but Fidelity needs Lively's address. I've looked all over Lively's website, but I'm not finding it. For those of you who have already made this transfer, what address did you use for Lively?

Thanks!

Goinganontoday

Where I live...east bumble PA...teachers at a not so great school district max out at around $75k. Thats LOT of money for the area. Not to mention when a teacher retires with full benefits...they receive around $70k/year pension for life. Yeah...most shouldnt have an issue becoming millionaires. I ...

Goinganontoday

Thank you. I’ve heard of other people making similar changes during non-open enrollment periods and didn’t know if there was a typical qualifying event or other detail that I didn’t know about that allows for this. We will be following up with both of our companies, although his HR is damn-near usel...

Goinganontoday

I've read through past posts about this, but nothing I've read seems to be exactly on point so I'm hoping that someone here might be able to help me out. My fiancé and I have two young children. We live together and equally support the children. We're trying to figure out if it is possible to change...

Goinganontoday

100%. We track everything using YNAB. After the initial set up and getting accustomed to it, we spend very little ongoing time managing it. We have a bunch of categories, but that’s not really necessary. We just prefer to have it that way. The basic groups of categories we use are monthly expenses (...

Goinganontoday

Our kids are 3 and 7. When it comes up, we will mention the benefits of saving for something that we want and whether something is in the budget. The 7 year old has certain chores that he is expected to do as part of the family and then extra chores that he can do to earn money. He knows that we wil...

Goinganontoday

I think you’re forgetting that people can’t sign up for healthcare whenever they get sick. The ACA sign up window, absent qualifying events (which getting sick is not one), is fairly short each year. If you get sick and need significant medical services that cannot wait until that period of time, yo...

Goinganontoday

I had fun working out the numbers in this article. I’m curious what others think of it.

Goinganontoday

Soon2BXProgrammer wrote: ↑Wed Mar 07, 2018 6:24 pm there was a correction?

+1
This was my exact thought.

Goinganontoday

I keep a monthly budget using You Need A Budget (YNAB). Unless I'm reconciling the accounts, I don't bother looking at bank accounts. If I want to know how much money I have designated for a particular line item, I look at that line item in YNAB. This could be done with a spreadsheet, but YNAB syncs...

Goinganontoday

When we moved in, rent was 34% of gross (single income). After nearly four years with the same rent (I love our landlord), it's around 10%.

We are saving for a down payment, but refuse to move until our youngest is in kindergarten because the location of our rental makes it a dream spot until then.

Goinganontoday

The Good Place
Sherlock Holmes
The Great British Baking Show

Goinganontoday

My mother. She has made horrible financial decisions her entire life. I never wanted to be in the financial situation she has been in. I never want my children to feel terrified of being homeless with no food. My grandparents. They never spoke about money, but I saw that they were able to retire in ...

Goinganontoday

Plan contributions count as of the payday for taxes & contribution limit, but are not contributed and invested until funds are actually deposited with the plan. The pay-stub is authoritative. In your 401k account, can you run a report of 2017 total contributions, and does that agree with your e...

Goinganontoday

I've had SF for several years for both renter's and multiple autos. I checked out Geico and found that I could save about $350/year on the auto insurance. The savings would actually be even better, but I took the opportunity to increase the insurance. Unfortunately, Geico couldn't get me a better de...

Goinganontoday

I've had one Hyundai for nearly 12 years with absolutely no problem. It's still going strong. I've had a second Hyundai for the past year and it's been great.

Goinganontoday

I have Geico for auto and State Farm for renters. Geico was going to charge more than twice what I pay for renters, but was a few hundred dollars less for even better auto insurance. I don't like that I had to split the insurance, but I wasn't willing to pay hundreds of dollars more per year in orde...

Goinganontoday

Just got one! Between this and the sale on H&R Block 2017 tax software, I just saved/earned us a nice little bit of money this morning. Thanks, Bogleheads

Goinganontoday

It sounds like you want to stay where you are, but you're not satisfied with your current debt and savings. Before doing anything, I'd go over the past 3-6 months and figure out where all my money was going. I'd then set out a monthly/annual budget based on those priority areas. With an income aroun...

Goinganontoday

I just calculated this and am rather pleased with my family. We've saved over 51% according to the suggested calculation (savings/(gross-taxes X 100). This includes retirement, 529, an E-Fund, and a house downpayment fund. Retirement savings alone was 35%. We're natural savers, but went on a couple ...

Goinganontoday

mpsz wrote: ↑Sat Dec 23, 2017 11:24 pm You are fine as long as you maintain coverage for all of 2018.

https://apps.irs.gov/app/vita/content/3 ... evel=basic

Yay! Thank you so much! I had read about the test period somewhere and it wasn't written as clearly as it was in your link so I was getting confused.

Goinganontoday

I have a bad feeling that I did something wrong...I switched to a HDHP with an HSA as of August 1, 2017 and will be on this plan until at least July 31, 2019. Between the employer's contribution and mine, for 2017, I fully funded the HSA ($3400 for an individual). Now I'm second guessing myself and ...

Goinganontoday

Family of four, spent an average of just below $525/month so right around $130/person. It used to be lower, but we haven't had as much time to plan our meals or cook properly, which has made the grocery costs up. We spend less than $15/month on eating out for the entire family. We prefer to eat at h...

Goinganontoday

Max 1 401k Max 1 403b Max 1 Roth IRA Max 1 traditional IRA Max HSA (including employer contribution) Contribute to 529 up to max for state tax benefit Save toward house downpayment (The goal is to save about $60,000, but that would be a big stretch. I'd like to get as close as possible to that numbe...

Goinganontoday

At one of the schools where I teach, the school social worker identifies a number of families that are in need. The social worker speaks with the family members to identify specific things that they would like/want. Sometimes this is gifts for the holidays, sometimes it is food items. The social wor...

Goinganontoday

I'm a bit surprised by the general response here. We have a similar salary with 3 kids and I can't imagine owning this much house. They have only $50k cash in hand for the house, and $30k for emergency fund (less than 3 month's expenses with high risk with a single earner). They would be 100% relia...

Goinganontoday

We're at 39% of gross (401k, 403b, IRAs, HSA, and 529). Next year, we're planning to be over 40%. We're in a M-HCOL area, have a couple young children who still require daycare, and we're not particularly frugal so I'm okay with this savings rate despite the fact that we really got started saving a ...

Goinganontoday

Is there any chance that your partner could be eligible for the Public Service Loan Forgiveness? With such high student loans and such low income I'm wondering what field she is in. The people I know with high SL and low income tend to be in public interest careers and will be trying to take advanta...

Goinganontoday

I love this idea and I have actually toyed around with a similar idea in the past. As teachers, we do not accept it when students say that they just can't understand something. We keep working with that student until he/she gets it. However, all too often, I hear teachers say that they just don't un...

Goinganontoday

Thank you all so much for your help. I appreciate your advice. I am really enjoying learning more about these issues and then trying to help my colleagues understand as well.

Goinganontoday

I would appreciate help in creating some questions that would assist me and my colleagues in evaluating a potential change to our contract. My teachers' union is seeking to open up the contract in order to change the current PPO insurance to a HDHP with HSA in exchange for a guaranteed 1% increase i...

Goinganontoday

What is the amount of your federal loans? Are any subsidized federal loans? Did you file taxes for 2016? It seems like your best bet with the limited information provided would be to consolidate your loans and apply for REPAYE and begin making payments ASAP if you qualify for an interest subsidy. D...

Goinganontoday

We maxed our IRAs starting around when I was about 29 while also making some contributions to our 401ks. We started maxing DH's 401k and our IRAs when I was about 35, at which time I began contributing to my pension as well as my 403b. We started maxing our IRAs, his 401k, and my 403b plus contribut...

Goinganontoday

Deferments and forbearances usually have limited time periods according to the loan documents. Frequently, loan companies limit the amount of months that they will allow a person to have a deferment or forbearance over the life of the loan. If your wife's loans have been in deferment for two years, ...

Goinganontoday

Building materials. Legos, Duplos, Lincoln Logs, Magnatiles, sticks, rocks, just about anything that can be stacked. If left alone for more than five minutes, kids will find a way to start building things. Old fashion wooden building blocks would be hard to beat. Likewise cardboard boxes are great ...

Goinganontoday

Books. Doesn't matter which books as long as the kids are interested and want to keep reading (although as a librarian, I do have tons of STEAM-related suggestions...Iggy Peck, Architect; Rosie Revere, Engineer; The Most Magnificent Thing; and Ida Twist, Scientist are some recent favorites). Puzzles...

Goinganontoday

My husband is a Physical Therapist with a lengthy list of graduate loans with very high interest rates. He currently has about $153,000 in federal loans sitting at 8.5% and $100,000 sitting at 6.5%. A total of around $253,000. He has been making payments towards the Income Based Payment plan of $66...

Goinganontoday

sambb wrote:Have sold to Carmax. Good experience. Saves time. I like the process.

+1

Extremely easy, haggle free process. We had no interest in doing a private party sale.

Goinganontoday

Whether your child needs a highback booster (with a five point harnad) or can use a backless booster really depends on your child and his maturity level. Can he sit upright the entire time? Is he likely to play around? I tend to err on the side of getting a highback booster, but I know that others m...

Goinganontoday

The Mad Fientist had an interesting blog article on this topic in which he explored various ways to access retirement funds prior to standard retirement age. http://www.madfientist.com/how-to-access-retirement-funds-early/ While his math shows that some options appear better than others, ultimately ...

Goinganontoday

I second YNAB. We've used it for over four years and really love it.

Since you mentioned getting a refund, you should check that your withholdings are set correctly. Getting the money in your check every month will help to pay off your high interest debts faster than getting a big refund.

Goinganontoday

A lot of public libraries have started offering free tech support/instruction programs. Even if your public library doesn't offer this, I'm certain that the librarians could provide you with a list of local options.

Goinganontoday

2) Start up a 529 and start contributing (Debating between NV for Vanguard or NY) for when Child #1 arrives ... 4) DW wants a new vehicle for Child In regard to #2, does your state offer any benefits for using your state's 529? Be sure to check that before going with a different state's 529. In reg...

Goinganontoday

I love running numbers and planning, too. You're not alone

Goinganontoday

Is she able to work? If she has no income aside from SS and that's not enough to cover her bills, it seems reasonable that she needs to get a job.

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