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  • Re: Best investing strategy for financial independence

    I don't know if I have any magic bullets that would grant you financial independence with an 11-year investment horizon. But I'll tell you what I've learned: - Don't go into debt. Compound interest can either work for you or against you. Make it work *for* you. - Live below your means. It gives you more money to invest now, and ...
    Posted to Financial Independence (Forum) by MamaJ on Thu, Apr 17 2014
  • Re: Cheapest Foods

    Dry beans. Cook them and freeze them for later use. Refried beans, beans and rice, rice and beans, soups, chilis... Potatoes. So many different ways to cook them, and you can usually get ten pounds for $3 when they're on sale. Eggs or oatmeal for breakfast, or homemade pancakes. Pass on the packaged cereals.    
    Posted to Frugal Food and Cooking (Forum) by MamaJ on Thu, Apr 17 2014
  • Re: who pays the bills ???

     I take care of the physical bill-paying, but my husband and I go over all the accounts together once a month. He'd be able to take over without a hitch if needed. And I'd like to urge everyone -- if you don't have a hand in the finances at home, please get involved! My father-in-law just passed away, somewhat suddenly, and my ...
    Posted to General (Forum) by MamaJ on Tue, Apr 15 2014
  • Re: Life Insurance and your goals

    My husband and I both have pretty modest life insurance policies - about $150K each. These are term policies, and between the two of us we pay $13/month. We have no debt, our house is paid for, we own a very small paid-for rental property, and have started amassing savings. Our son is 13 and we've just about finished saving for college for ...
    Posted to Financial Independence (Forum) by MamaJ on Thu, Apr 3 2014
  • Re: Anyone planning to retire early?

    Walt, thanks for the resources. My husband and I are both 39 years old and on track to retire at age 55. Right now we live on about half of what we make and put the rest into 401(k)s and Roth IRAs. We are simple folks -- we never moved out of our "starter" house so had it paid off in about nine years. I make twice as much money as I made ...
    Posted to Money Management (Forum) by MamaJ on Thu, Mar 20 2014
  • Re: Retirement

    I just wanted to chime in regarding whether to take SS earlier or later. If you don't *need* the SS income -- if you have other savings/401k you're living off of when you retire -- you could invest the SS payment and earn interest or dividends. So it's not just the total dollar amount to look at, but any interest you could earn, and ...
    Posted to General (Forum) by MamaJ on Tue, Mar 18 2014
  • Re: Anyone an Amazon Prime member?

     If you plan to buy a Kindle Fire I believe they still give 30 days free to try Prime.  We find it worth our while, not necessarily for shipping but more for watching movies and TV shows. And we do get one free book a month, as well.  If you don't have a Kindle you can watch online via your computer, or on your TV if it's ...
    Posted to General (Forum) by MamaJ on Mon, Jan 13 2014
  • Re: Outdoor Christmas Lights???

    [quote user="BargainBistro"]Mama thank you so much. See I tried doing all that and even looking up the rates and not even sure if this is correct but it looks like 1.28 on this excell chart that just came up when i searched my town and pge rates... so then if that is correct above and my info here - the rate for 4 hours would be 1.28 a ...
    Posted to Holidays and Birthdays (Forum) by MamaJ on Mon, Dec 16 2013
  • Re: Outdoor Christmas Lights???

     And you may be able to Google and find your electric company's rate online. I found mine.
    Posted to Holidays and Birthdays (Forum) by MamaJ on Mon, Dec 16 2013
  • Re: Outdoor Christmas Lights???

    I think you have to factor in how long you use them too, because they charge for electricity in kilowatts per hour, which they abbreviate as kWh. A kilowatt is 1000 watts. So with your lights, you have 240 watts, I think that math is right. If you run those for four hours, you'll have used 960 watts, or approximately 1 kWh. Find out what ...
    Posted to Holidays and Birthdays (Forum) by MamaJ on Mon, Dec 16 2013
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