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  • Re: Pros and cons to paying off a mortgage

    [quote user="ann"]I read an article by someone who chose to put extra money each month into a savings account so that he would always have it to pay his mortgage if he got laid off.  Luckily he did not get laid off and eventually, when there was enough in the account, he took the whole lot out and paid off his ...
    Posted to Debt Management and Elimination (Forum) by haverwench on Mon, Apr 14 2014
  • Re: 2013 Tax Refunds

    This year we actually did do something special with our federal tax return; we put most of it into I-bonds. This was the first year I used tax software to file, so I just learned about this option. I'd been thinking about investing some money in I-bonds anyway, so it seemed to make sense. The rest of our federal refund and all of our state ...
    Posted to Taxes (Forum) by haverwench on Sun, Mar 30 2014
  • Re: Thrift Stores!!!!!!!!!

    I never seem to have any luck with clothing at thrift stores these days. I've stopped into our little local store a couple of times in the past two weeks without finding anything, and even when we went to the much bigger Goodwill store last weekend, all I found was one red shirt that I didn't really need. I wanted to look for pants, but ...
    Posted to Living Green (Forum) by haverwench on Fri, Mar 21 2014
  • Re: Living without debt

    Oh wow, I envy all you folks with fruit trees! We have three little plum trees in our front yard that were planted last year, but it will be several more years before we get any plums off them. We do have raspberries and bush cherries, though. Still trying to figure out a way to get some blueberries to grow in our heavy clay soil.
    Posted to Financial Independence (Forum) by haverwench on Wed, Feb 19 2014
  • Living without debt

    In a thread over in the Money Management forum, Walt34 wrote, "DW and I achieved Zero Debt 15 years ago. In all the time since then I only personally know of one other person who has done that, including many relatives who have substantially higher incomes than we do." That got me thinking: is it actually that uncommon, or is it just ...
    Posted to Financial Independence (Forum) by haverwench on Wed, Feb 19 2014
  • Re: Living Paycheck to Paycheck

    [quote user="Walt34"][quote user="pmburk"] I also wanted to tell you, don't let yourself get sucked into jealousy about what the Joneses are doing. You never know their true situation. [/quote]  Excellent example! We also know people like that - one is a retired math teacher who is over $500k in debt. DW ...
    Posted to Money Management (Forum) by haverwench on Wed, Feb 19 2014
  • Re: 2013 Tax Refunds

    You know, I never know how to answer questions like this, about what I intend to "do with" some sort of windfall (tax refund, inheritance, or even a hypothetical, "What would you do with an extra $5,000?"). I guess I just see all dollars as interchangeable. All our income, expected and otherwise, all goes into our bank account, ...
    Posted to Taxes (Forum) by haverwench on Fri, Feb 7 2014
  • Re: Valentine's Day Gifts on a Budget

    I don't think my husband has ever once given me anything for Valentine's Day. I guess he spent so many years being single that it just doesn't occur to him that the day can or should be special. Sigh. I have given him several inexpensive Valentine's gifts. One year when we were courting and could only see each other on ...
    Posted to Holidays and Birthdays (Forum) by haverwench on Fri, Feb 7 2014
  • Re: E-ZPass article

    I've never signed up for E-ZPass because I didn't think we drove on toll roads enough to make it worthwhile, but now that they are actually offering a discount for it, I'm reconsidering. There are a couple of trips we make once or twice a year that involve some really hefty tolls (like $12 or $15 each way), and saving 5 percent on ...
    Posted to Dollar Stretcher (Forum) by haverwench on Wed, Jan 29 2014
  • E-ZPass article

    I was confused by Rich Finzer's article about E-ZPass (http://www.stretcher.com/stories/14/14jan27c.cfm). He notes that his E-ZPass saves him 5 percent on his tolls, so if he travels between two local exits, the toll is reduced from 30 cents to 28 cents, saving him "a princely two cents." But then he complains that it actually costs ...
    Posted to Dollar Stretcher (Forum) by haverwench on Tue, Jan 28 2014
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