tag:blogger.com,1999:blog-4757752312991625567.comments2009-04-17T02:49:30.437-04:00A+ Financialshttp://www.blogger.com/profile/14545614805441090205aplusfinancials@gmail.comBlogger36125tag:blogger.com,1999:blog-4757752312991625567.post-31819208991330585562009-04-17T02:49:00.000-04:002009-04-17T02:49:00.000-04:00Thank you for sharing this information.This is such a great article <A HREF="http://www.fidelity401k.org" REL="nofollow">fidelity 401k</A> .Marjorie J.http://www.blogger.com/profile/02922416413276677526noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-18216793110768364572009-03-11T17:18:00.000-04:002009-03-11T17:18:00.000-04:00Thank you for sharing this information.<BR/><A HREF="http://www.fidelity401k.net" REL="nofollow">Fidelity 401k</A>claytonhttp://www.blogger.com/profile/15773997774333625486noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-41653072939187737602009-01-28T23:18:00.000-05:002009-01-28T23:18:00.000-05:00Personally, I think now is the best time to keep putting money into your 401(k), while stocks are low, in the hopes they rebound as they historically do.RainyDaySaverhttp://www.blogger.com/profile/16132492632322814192noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-50674316392577730412009-01-28T20:03:00.000-05:002009-01-28T20:03:00.000-05:00asgreen: I am trying to get my EF to a good level as well!<BR/><BR/>J. Money: I agree, it's like a discount! :)A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-77885536620083049622009-01-28T17:27:00.000-05:002009-01-28T17:27:00.000-05:00Damn straight my friend! I'm an avid fan of plowing money into your 401k regardless of the economy...in fact, ESPECIALLY in this economy when you get pick up stuff dirt cheap! I'd always put in at least the max of what your employer's doing, and then max it all out before putting it into an IRA - but that's just my opinion :)<BR/><BR/>Savings is good to have too, esp. if you don't have an emergency fun, only cuz you have acess to it 100% w/out penalties and all. BUT if you have a solid E.Fund, then i'm totally with ya buddy.J. Moneyhttp://www.budgetsaresexy.comnoreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-20478107539553438092009-01-27T22:11:00.000-05:002009-01-27T22:11:00.000-05:00I increased the amount I'm putting in my 403b but I stopped contributing to my Roth IRA so I can beef up my savings. I decided to go higher with the pretax money and hopefully I can start contributing to my Roth IRA after I reach my emergency savings goal.asgreenhttp://www.blogger.com/profile/16263070631310383038noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-31358614472169561022009-01-27T20:15:00.000-05:002009-01-27T20:15:00.000-05:00Money Funk: You got your taxes done already? Good for you! <BR/><BR/>Opening a business is a good idea. Just be sure you are doing it for the right reasons and be careful in this economy.A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-79553499463493801182009-01-27T18:04:00.000-05:002009-01-27T18:04:00.000-05:00Hey - nice blog! Was wondering where you were at with the debt payments - 50% seems way too high! Assuming that's minimum payments anyway. I am probably about 50% of my income to debt every month, but that's WAY over my minimum.<BR/><BR/>I highly reccomend Dave Ramsey. I did a lot of what you are doing, trying to pay stuff down and do retirement at once. Of course, I was buying retirement funds when the market was high. Now, when it's low I still have the debt. Work on 1 thing at a time and you will feel the progress and intensity.kikihttp://www.pfunder30.comnoreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-20272836598069753332009-01-26T16:46:00.000-05:002009-01-26T16:46:00.000-05:00You're right. Not an impossible task, but one that needs a good coursing and attention to achieve. :-)<BR/><BR/>And since I got my taxes done... I found out I moved into higher tax bracket. Yeah for me, but boo cuz I got less back. :( I need to start looking for things to grow my net worth. That would mean real estate, opening a business... have any good ideas?Money Funkhttp://www.blogger.com/profile/14712273556893057582noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-42711968719285460772009-01-22T18:40:00.000-05:002009-01-22T18:40:00.000-05:00J. Money: Exactly!<BR/><BR/>RainySaver: It's one of my pet peeves also!<BR/><BR/>444: It's nice that you go out once in a while and view it as a treat!A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-15230061861530196342009-01-21T11:02:00.000-05:002009-01-21T11:02:00.000-05:00I can't understand that mentality at all. She must be self-centered and have an attitude of entitlement. I have been eating out almost never these days, but when I do, I err on the side of large tips (start at 15% and round it way up.) I find it easier to be generous when I buy less food and go out less often - I figure that's a lot less I'm spending in tips, so why not drop more on the lucky recipient of the extra-fat tip? I guess this is the opposite attitude that your friend has. I don't blame the servers for my money problems - I know full well that to get my financial house in order, I should rarely or never eat out but that's not the server's fault, so they aren't going to be punished.444http://www.blogger.com/profile/18317761558076527630noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-32317503583276964372009-01-20T22:56:00.000-05:002009-01-20T22:56:00.000-05:00This is one of my "money-saving" pet peeves ... I agree, don't go out to eat if you're not going to leave a tip. Don't take it out on the servers!<BR/><BR/>We go out to eat perhaps once every 2 weeks, which not only saves us money but makes the meals even more enjoyable because we view them as a treat!RainyDaySaverhttp://www.blogger.com/profile/16132492632322814192noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-71214603189285315872009-01-20T19:24:00.000-05:002009-01-20T19:24:00.000-05:00that is not right. you HAVE to tip, even if just a little - that person is working their a$$ off to serve you, so i find it totally disrespectful not to :(<BR/><BR/>i'm all for being frugal, but that is def. too far. drink water and/or skip one beer if you don't have the money to tip.J. Moneyhttp://www.budgetsaresexy.comnoreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-47917982823648854332009-01-19T20:46:00.000-05:002009-01-19T20:46:00.000-05:00444: Wow, I should really look into my housing figure!A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-86719190053234058372009-01-19T19:19:00.000-05:002009-01-19T19:19:00.000-05:00my housing is 26%. i posted my percentages here: http://mymoneychat.blogspot.com/2008/11/who-moved-my-cheese.htmlMs. MoneyChathttp://www.blogger.com/profile/03687376914286381209noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-38910982471494968792009-01-17T09:38:00.000-05:002009-01-17T09:38:00.000-05:00I was surprised that we are not as far off the national average as I thought. Unless I miscalculated, our outrageous rent, utilities, cable, phone, etc. add up to $1,994 per month out of an income of $5,124 gross per month. Gross is the key word. We live in a very high-tax state and do not see a huge percent of that.<BR/><BR/>So, we came out at:<BR/>Housing: 38%<BR/>Transportation: 15%<BR/>Food: 13%<BR/><BR/>I did not compute the rest. All I know is that with all our debt, we don't really have enough to cover our expenses so we'll see how things turn out for us (I try not to see the forest because the trees are painful enough to look at.)444http://www.blogger.com/profile/18317761558076527630noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-53622546583241348982009-01-17T09:27:00.000-05:002009-01-17T09:27:00.000-05:00Alcoholic beverages?!?! Tobacco?!?!<BR/><BR/>Let me work up my figures and come back. I assume that utilities connected to the house fall under housing.444http://www.blogger.com/profile/18317761558076527630noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-41032739946735202442009-01-16T20:07:00.000-05:002009-01-16T20:07:00.000-05:00Christine: Is that a blog or a software program?<BR/>I know, I would love to visit the wonders of the world!!A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-54319044200717414472009-01-16T10:41:00.000-05:002009-01-16T10:41:00.000-05:00BTW, I need to visit every single wonders of the world. I am so missing out. Need travel. ;)Christinehttp://www.blogger.com/profile/10328559180119835296noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-81793144314250318652009-01-16T10:40:00.000-05:002009-01-16T10:40:00.000-05:00Ach! to retirement! It really is not that far... even though it is. I have come to that realization too! So, I have started following a guide called <A HREF="http://7years7million.com" REL="nofollow">7 years, 7 million</A>. It's not a program that can do me any harm, just better. Actually, my number is 3.5 million in 10 years, preferably 7. lol! No small defeat!Christinehttp://www.blogger.com/profile/10328559180119835296noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-17535719962754670492009-01-15T19:23:00.000-05:002009-01-15T19:23:00.000-05:00RainyDaySaver: Thanks! It's a good thing to get into early on. Good for you!!A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-90281832704814426532009-01-15T00:00:00.000-05:002009-01-15T00:00:00.000-05:00I absolutely do not spend money on lunch ... okay, maybe I give in once a month. I'd rather keep the funds for a nice dinner every once in a while.RainyDaySaverhttp://www.blogger.com/profile/16132492632322814192noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-61070062573140043382009-01-14T23:58:00.000-05:002009-01-14T23:58:00.000-05:00Love your blog! I got into saving after growing up in a family that had some financial worries. And after my parents divorced, my father, who's an accountant, really made a point to get me into saving and watching my expenses. I'm glad I learned from an early age.<BR/><BR/>And I'm with you -- I don't want to still be working at 65! ;)RainyDaySaverhttp://www.blogger.com/profile/16132492632322814192noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-35321815101569558952009-01-13T19:50:00.000-05:002009-01-13T19:50:00.000-05:00J.Money: This is the category I was letting slide too. If I don't need to trim anything at the end of the month, I will prob. continue to let it go!<BR/><BR/>RTC: I hear you about the non temptation of school lunches! Having a go to lunch is a great idea though, thanks!<BR/><BR/>444: I don't go overboard with the other categories so I am pretty flexible with this one.<BR/><BR/>asgreen: That's a good idea, I have been keeping within the budget so far. Let's see what happens!A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.comtag:blogger.com,1999:blog-4757752312991625567.post-87635891709296060812009-01-13T19:29:00.000-05:002009-01-13T19:29:00.000-05:00J. Money: I will def. do an update!<BR/><BR/>444: I have been hearing a lot about this book and had meant to get it for a while now.<BR/><BR/>Money Minder: His books seem to do really well!A+ Financialshttp://www.blogger.com/profile/14545614805441090205noreply@blogger.com