tag:blogger.com,1999:blog-6173509801114364154.post4693746362153246785..comments2024-03-17T04:14:05.997-05:00Comments on Sam, Coffee, Money, & Thyme: Where the Money StandsSAMhttp://www.blogger.com/profile/16485146123969622896noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-6173509801114364154.post-62896737398251771542016-09-06T10:07:02.588-05:002016-09-06T10:07:02.588-05:00That's exactly what we intend, and good descri...That's exactly what we intend, and good description - chip, chip! As I feel really solid about the long term retirement, I can cut myself a little slack month to month for the short term including the Roth as I feel that is bonus to our overall plan for retirement but DH feels it is essential. SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-85014188673754551672016-09-06T09:52:36.766-05:002016-09-06T09:52:36.766-05:00Just keep chipping away at it. I contribute 19% t...Just keep chipping away at it. I contribute 19% to 401K, my hubs 10% (not counting our companies' matching $). Plus I have a nice pension. Nothing to IRAs. We cash flow Christmas and keep it small, I pay an extra mortgage payment every month trying to get it paid off by the time we retire in 10 or so years. All the while trying to cash flow college for 2 which comes to about $50K per year for both (D1 is beginning Jr. year, D2 is beginning sophomore year). So far keeping afloat but no getaways, no new clothes, no golf trips for hubs, no new cars and have accepted small subsidized fed loans that will extend our money a bit and will be paid off as soon as they graduate. I am upping our e-fund a $100 a month as we had an HVAC system scare and I want to be prepared. Chip. . .chip. . .chipping away!<br /><br />Yours, DeeCeeAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-69835490038701293482016-09-03T10:16:59.896-05:002016-09-03T10:16:59.896-05:00It was a good feeling to pay off the mortgage, whi...It was a good feeling to pay off the mortgage, which is why I am so adamant that we don't take out anything on the house to support the house repairs and refurbishments or college, while making sure we have a healthy 6 months emergency fund. With current salaries and maxing all the long term retirement accounts avaailbe short of personal savings and investing, it makes things quite tight. Our savings as a percent of income is strong-the income has just been tough this last year on DH's side, and my own taking a 15% (worth it in the long run for health) cut in pay when changed jobs. SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-58864735424778694362016-09-03T10:03:52.062-05:002016-09-03T10:03:52.062-05:00I'm doing well with my savings goals. Now it&#...I'm doing well with my savings goals. Now it's just a question of what's our next step, life & housing-wise. we haven't been getting much nanny support (not our choice), which has saved quite a bit. Hopefully we'll be back to more coverage starting next week, but it's $$$. We are splitting our savings between actually savings, boys college investment accounts, and some small paydowns on our HELOC. I like to see the balance go down, even though M would prefer to pay the minimum. The interest rate is low, so I can see the advantage, but I'm motivated by visuals just the same. :-)Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-12506763120232957792016-09-03T08:44:47.748-05:002016-09-03T08:44:47.748-05:00Your the queen of finding the savings but we plain...Your the queen of finding the savings but we plain and simple need more to come in the door to achieve the target.SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-87159448206401384312016-09-03T08:43:10.124-05:002016-09-03T08:43:10.124-05:00I know I will learn oodles from your $200 a month ...I know I will learn oodles from your $200 a month grocery challenge. I need to figure out how to turn my junk into cash.SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-47361621884089004072016-09-03T08:34:07.349-05:002016-09-03T08:34:07.349-05:00$3444 per month out of reg. income is large....ask...$3444 per month out of reg. income is large....ask me how I know. lolzslugmamahttps://www.blogger.com/profile/12728856166374248591noreply@blogger.comtag:blogger.com,1999:blog-6173509801114364154.post-68332798705395682632016-09-03T08:14:30.279-05:002016-09-03T08:14:30.279-05:00Life happens and occasionally derails our best int...Life happens and occasionally derails our best intentions. I love the creative ways everyone has to reduce their spending and costs.Anne in the kitchenhttps://www.blogger.com/profile/01533249631969001657noreply@blogger.com