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On Taking the Other Way Home
The thing with the Weight Watchers points system, though (if I remember correctly), is that it's not just about day to day. It's also about how many point you use in a week (or a month). So, like, you can't eat all of your week's worth of points at the beginning of the week - then you don't have any left for sustenance at the end! Same with money - buy whatever you want and then stop buying when you run out of money....as long as you still have what you need to survive until next payday. (That wasn't very eloquent, but it's been a very long Friday in my office)
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On When We Became Grownups
Mike Dang, you are a lucky man indeed if you're only paying interest rates between 2.25 and 5 percent. I'm between 6.8% and 8%, and I count myself lucky as compared to people with private loans.
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On Maybe Saving Money Is Only Hard If You Think It's Hard (Ahem)
$2000 is about how much I saved in just under a year to buy my scooter. Averaged it out to $200/mo, which I just included as a line in my budget (next to Food: $250) and made sure to transfer over as soon as I knew all my Real Bills were paid (including my credit card debt). Some months I had to transfer it back to my checking account for unexpected stuff, other months I got to put extra in. I have a salaried job, though, which definitely makes it easier than if I were freelancing.
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On I Want to Give a Really Special Gift But What Does That Mean IDK
@Michelle LeBlanc@twitter The reading idea is great! It's specific to the wedding, but not so specific that they might feel weird about displaying it.
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On I Want to Give a Really Special Gift But What Does That Mean IDK
It may not sound like a "really special" gift, but I got one of my friends an ice cream maker when he got married. Because his dream is to one day open a gourmet ice cream shop. And he and his lady love ice cream. Now they're divorced, but he still uses it all the time! /weird story Also, if you can't paint or draw you could always decoupage!
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On Reader Mail: My Credit Card Company Reduced My Credit Limit
@kellyography I use CreditKarma.com and (so far) have liked it pretty well. Again, I've really only been monitoring since April or so and don't understand a ton about it, but it's fairly simple and seems like a good tool to me. My biggest beef with it is the "we've calculated you can save money by [x]" ads/partnerships that it (and other free sites like Mint.com) have to have in order to break even. But it gives you three different credit scores, some information on hard inquiries and so on, and even has a little "simulator" where you can see how certain scenarios might affect your score.
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On Reader Mail: My Credit Card Company Reduced My Credit Limit
My credit score is almost/about as high as Mike Dang's, which is weirdly confidence-boosting! Partly because I still don't really understand credit scores and where mine should be (and which of the three Credit Karma shows me I should be most concerned about)...
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On Follow Your Passion? No. Follow The Money
Follow your passion was always the advice I got from my parents, partly because my mother was actively prevented from doing so by her parents and always regretted it. I don't regret the path I took (BA & MA in things that interested me, lots of cool experiences, etc) but I am in a lot of debt and a job that isn't exactly fulfilling. And I'd be lying if I said it didn't bum me out a lot. But it was literally the only interview I got out of the 50+ applications I put out. Now I don't know what to say to my youngest sister, who is in high school and trying to figure out what path to pursue.
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On My Boozey Beverage Secret
It's true! Whiskey rocks is so much more difficult to drink quickly than whiskey with a mixer of some sort.
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On Why Borrowers Aren't Taking Advantage of IBR
@jason I do a similar thing! I round up all the "required minimum" payments for the month to the nearest $10 or $25, then put at least $10 or $25 on the ones they're telling me aren't requiring payment.