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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Mon Jan 05, 2009 3:56 am
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| Comment on your quote: ..kind of going through an 'issue' with someone. The quote makes me think of this 'issue'. Anyway......on the Insurance Forum, you get about the same amount of 'points', per post, as you do on the Credit Forum. |
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Home Loans
Joined: 16 Jan 2009
HomeLoans's page
Posts: 1
26 Magic Points
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Subject: Keep Track
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Fri Jan 16, 2009 1:57 pm
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| And and also keep track of your expenses so that you'll know where your money goes and allocate it properly the next time you are expecting some money, your salary or money from your parents or relatives. |
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aby
Joined: 29 Jan 2009
aby's page
Posts: 34
114 Magic Points
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Thu Jan 29, 2009 2:26 pm
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| hey lorri i like your appproach to save some money so that it can be used in emergency. |
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aby
Joined: 29 Jan 2009
aby's page
Posts: 34
114 Magic Points
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Sat Jan 31, 2009 12:50 pm
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| Count income from wages, tips, interest on savings, child support payments, and any other source of income. Include that of your spouse also. Also consider more variable sources of income. Do you receive regular overtime or a large bonus? Is it guaranteed? Can you calculate average amounts by using past bank statements or pay slips? Try to be accurate and get to an average 'net' (after taxes) income. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Jan 31, 2009 3:49 pm
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| One of the biggest things for us is not to carryu cash around. We deposit all m oney in our checking account. Before we would keep out a few dollars but when we were trying to cut expenses we seen that this was more like throw away money. We could almost never account for it going to anywhere but junk. It really saves alot especially if added up in a years time. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Sun Feb 01, 2009 12:57 am
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| Putting away $5.00 here and $5.00 there...this REALLY does add up and you have a 'nest agg' for some emergency expenses, as well. I know sometimes THIS can even be hard to do, at times. |
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ensurepune
Joined: 17 Feb 2009
ensurepune's page
Posts: 74
22 Magic Points
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Sun Mar 08, 2009 6:10 am
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this is really difficult to add some money to the kitty on daily basis but one must need to understand that this saving habit will pay a big sum as the years passes.Just consider putting $ 5 per week it will be whopping $ 20 per month and thus $ 240 P.a.
Never touch this amount....  |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Thu Mar 12, 2009 9:55 am
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| I think we tend to see the 'short term' of the issue (ie..only a few cents a week) instead of the 'long term' ( ie..how many weeks in a year, etc.). Yep...it CAN add up. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Thu Mar 12, 2009 1:59 pm
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| When saving this amount try putting it somewhere where you can not access it if your one of those types who can not seem to resist the smell f money nearby. LOL. I use a saving s account and did not apply for a debit card for that account. It would be too easy. I think this process would also work well with credit card bill. Putting a few extra dollars to each payment every month would bring down the debt and add savings since it would be less interest you would be paying. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Fri Mar 13, 2009 11:24 am
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| For example..it's never too late to start an IRA or a CD kind of thing. A few dollars each month will add up AND you can't get to the money as easily as you could with other accounts you may have. I recently started a 401(K) through my employment. I can put in a % or a 'flat' rate, from my checks. Also......THEY put in 6% themselves, every month, of what my monthly checks are. I can't get to this money until I'm 59 1/2. However.......if I have some kind of 'Hardship' ( Funeral expenses, can't pay my rent, etc.), I can. I think it's pretty good for me. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sat Mar 14, 2009 11:08 am
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I think that people assume because they can not save a huge amount that they don't even attempt to look at retirement plan, you are exactly right sd, any little bit helps and it does add up surprisingly fast.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Mar 14, 2009 12:39 pm
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| 401K is an excellent plan. You are correct SD. If you fall onto time of hardship you can access the money. For example if you get an eviction notice or foreclosure all you need to do is use this as proof you have come onto hardtimes and you can access the money. The best thing is they have you pay yourself back WITH interest. This adds even more money to your 401k because you are paying yourself that interest, even if it isn't a high rate. My sister recently took out a loan against her husbands plan for an outdoor furnace.. Theres went on the blink and they had no extra funds to buy one. Every two weeks (or however you get paid) they take an allotted amount out of your pay to put back into the fund. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Sat Mar 14, 2009 1:58 pm
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| Hello, FIREYONE..long time, no talk to!!LOL I'm REALLY excited about this, too!! The 401 (K) actually starts next month for me. I get a statement every month, stating the amount that is in it. My OTHER employment din't have anything like this. |
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ensurepune
Joined: 17 Feb 2009
ensurepune's page
Posts: 74
22 Magic Points
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Fri Mar 27, 2009 7:05 am
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| Quote: |
| When saving this amount try putting it somewhere where you can not access it if your one of those types who can not seem to resist the smell f money nearby. |
what i personally do about it is i work for mechanical turk (amazon) on daily basis and generally work till i get $ 5/day then i do not work for that day.it hardly takes me 2 hrs to earn that amount. but i never withdraw that amount (payment option chosen 'by check only') so i never get tempted to go for withdrawal.even if i work 60 hrs per month it works out to be $ 150 savings per month.
as amazon being one of the trusted site i can rely that my amount will be safe there. once i get some specific amount i.e.$ 500,1000,1500 i wish to use it for some big tasks.  |
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Firang
Joined: 28 Apr 2009
Firang's page
Posts: 58
-25 Magic Points
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Thu May 21, 2009 5:22 am
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| ensure this is very small amount as compared to earning is concerned.Can you tell some other websites where there is good savings opportunities. |
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