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On In Support of Credit Card Points, With Caveats
My husband and I do the same with our Costco Amex. Love it. Because we moved across the country last year and he puts all his business travel on it, our cash-back check this year was $1,100! I pay it off several times a month and we never pay interest, so I consider that entirely free money.
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On What Percentage of Your Pay Do You Spend on Rent?
I'm way late on this one, but 18%. My husband and I have a 2 bedroom/2 bath in uptown Dallas. We also own a home but our tenant pays the exact amount of the mortgage, so that's a non-thing, balance wise.
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On BBQ, KFC, In-N-Out
I went to Lockhart's in Dallas last night because I read this list and it made me hungry. How suggestible am I??!
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On My New Kitten Ate My Bank Account
Ah! I have a little orange-and-white kitten who looks a lot like yours. His adoption was $0 because he ran into the street in front of my husband's car and was scooped up into a box from the trunk of the car and brought immediately to the vet. He got discounted checkups and neuter because he was a stray, so we probably spent $200 on everything. Everything until when he was maybe 4 months old and got sick on a Friday afternoon - he wouldn't eat and was throwing up every couple hours, and I was terrified he had an obstruction so we brought him to the emergency vet. An x-ray, labs, some rehydration, and $550 later, 'twas just a virus. Urg. He's now a healthy, happy little dude who talks a lot, is very cuddly and happy and naughty, and has the longest stripey tiger tail I've ever seen on a cat.
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On Not Having Children Is Letting Us Have It All
I feel like I could have written this. I also grew up in a working-poor family and even though my husband and I are now financially comfortable, which feels fantastic, I can't imagine shaving off $1200/month for full-time daycare. I could, but I'd have to slow my savings goals and I am starting to think of buying a house in a year or so. I also have zero interest in having a kid, and in fact, the idea is kind of repugnant to me because all I can see are the considerable downsides. I definitely have a chip on my shoulder about growing up poor, so as lame as I know it is, I feel a little bit of satisfaction when I'm able to comfortably afford something at a store I was rushed past when I was a kid. It would take a more self-assured little girl than I was to not be bothered that all your friends are wearing Limited Too while you are in whatever fit from the thrift store. I get how shallow and hollow it is to need that validation and I'm trying to get past it, but I guess I'm just saying that I get where you're coming from.
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On Ending the Phone Subsidy Con
My husband and I bought our iPhones for full price to avoid this. It hurt up front but we won't be paying for them forever and we got to keep our unlimited data plan.
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On A Friendly Conversation with a Banker
@inspector_tiger here's how my husband's bonus works: 1. The board of directors at his bank set a target for how much his group should make this year. 2. They work like fiends, eventually reaching the target. 3. The board increases the target. 4. They work even harder. 5. In the first quarter of the next year they take 10% of whatever they made past the target and their managing director divvies it up however he feels like.
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On Friday Estimate
Today: Thai food for dinner with husband ($50). Aside from rent/bills, I also paid off one of our three student loans ($5,100.70) today! Saturday: Ordering some stuff from West Elm ($1,325) - two lamps, two night stands, and a bed frame. I want to get a runner from FLOR because the poor dog keeps skidding across the living room when she plays or runs to greet one of us, but I don't know how much that'll be because I can't decide on a pattern. I'd like to keep it in the $200 range. Sunday: $0. My husband has to work and I'll be putzing around the house, cleaning, making lunches for the week, and taking the dog to the dog park. I may try the new yoga studio down the street that is free for first timers.
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On How Did You Contribute to the Music Industry's Sales Increase?
I was a pirating fool when I was in college, but now that I have some extra spending money I buy my music from iTunes or Amazon or directly from the artist's site. I could never truly square the morality of pirating and it feels better to pay for it.
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On Friday Estimate
Friday - We are going to an outdoor cocktails/dinner/movie thing at a sculpture park tonight. Tickets were free through my husband's work so $40 for a pre-made picnic basket for 2 and $20 for a bottle of wine. Saturday - Lazy day of cleaning and hanging blinds, but I'll probably go grocery shopping, estimated $100. Sunday - Volunteering for several hours and will probably stop at Costco to get stuff to donate, maybe $30. Then we usually go to lunch with the rest of the crew after, so about $50.