I really considered replacing all my broken flats with new expensive designer flats but what's the point? They're all made in China (if not outsourced somewhere cheaper) and they'll all wear out in 2 years (hopefully not sooner). I'm more of a purpose-driven cool woman with $50 shoes.
@Anon Writer this list is seriously one of the best comments of all time. thank you and sorry to hear about your breakup. =(
"Do you know when I thought I’d find some use in anything former Supreme Court Chief Justice William Rehnquist ever said or wrote? Never." This statement seems overly hostile directed at someone who was, as a gross understatement, an influential figure in the field in which the author works and also, probably not a bad person. I really like the Billfold but the random snide comments against conservatives irk me. Just because one person believes X, that doesn't mean they have no useful information to impart.
@DebtOrAlive It's not really very impressive. I make enough money so that I could pay off all my debt while living frugally - not monastically- though I did start to get a little crazy near the end about how I could shave off a few months from repayment. I think the main things were I put "paying off my debt ASAP" as a main life goal, I was lucky (that my very old car and computer didn't die and that my emergency hospital bill was not bad) and because i was exceptionally frugal during school, I knew that I wouldn't have to live like this for years on end.
I can't believe I missed this! I've been looking forward to this day for a year and a half. Student Loan Debt December 2012: $88754 July 2014: $0 Credit Card Debt December 2012: ~$20,000 July 2014: $0 (although I actually paid this off last year) I finally get my congratulatory note!!
Why don't you hire someone - like a lawyer - to contest the tax bill for you? If you do it based on contingency, even if they take a third, you are getting $4000 for very little effort. It doesn't make financial sense to spend a lot of effort to save a few dollars here and there when you could make thousands of dollars with very little effort. I understand that you want to rein in your spending -$20/day for non-bills seems high to me and I don't even consider myself to be living in deprivation mode - but as someone pointed out earlier, there's no reason you couldn't do both.
"We found that, as inequality rises, American cities and towns have been spending more on the poor and the middle class, funded by higher taxes on these groups. Because most cities don’t have the power to tax income, they usually use property and sales taxes, which tend to hit all residents or fall more heavily on those who are middle class or lower income." That seems to say that income inequality is rising because taxes on the middle class and poor are increasing.
Just to be clear - it's a joke when you say that Hobby Lobby is insincere because you can make an idol out of their craft materials and their 401k funds some companies that make contraceptive materials that they oppose, right? home depot isn't guilty of terrorism because it sells products that can be made into bombs. (also pretty sure you can worship anything - don't need a hobby lobby to make something to worship). also, do you really want to be held accountable for every product of every company that your 401k mutual funds are invested in? do you want people to say, well you should have no problem giving money directly to monsanto because some of your 401k is invested in it (and there's an excellent chance we are all invested in some terrible company through mutual funds). should corporations shun employee 401k's for fear that some of the companies invested in are doing something we don't agree with? if anything, i'm truly impressed by how pious hobby lobby must be because i'm sure people have been going through these people's whole lives with a fine-toothed comb and if they only came up with those as their strongest arguments, their lives are much cleaner than mine.
If you're going to go to law school, now is a good time to go. Fewer people are applying so you will have an easier time getting into a top 10 school. Also, hiring is much better now than it was a few years ago and every year it seems to be strengthening (at least based on anecdotes from my top 10 school). Further, many law jobs continue to hire nearly exclusively out of law school - they don't take people who've been unemployed (which is sad for the unemployed but shouldn't be a detriment to people going to law school who assume the unemployed will take all the jobs). However, if you don't know if you want to go to law school, it's a huge risk. You're basically just guessing at the future economy. When people applied to law school in 2006, they didn't know the law industry was going to collapse right when they wanted to find a job. I started law school in 2009, really the first class to come in with eyes wide open and it worked out for me (I enjoy my job and will finish paying off my loans by my next paycheck!) but it's been a huge regret for others. But again, that's pretty much all professions - nay all choices. They work out for some and not for others. The choice itself is not clearly bad or good and you have to figure out what will work for you.
@JNC Musings Factory I actually think a lot of my frustration was that everyone was late to very late without notice (and I only invited people who lived nearby) and then people weren't mingling well and at the end of the night, I didn't have a bottle of wine to release post-party tensions with. Hosting parties is hard! Maybe 1-2 people asked if I needed anything, and I didn't "need" anything so I said no. But I never go to a party empty handed if the party is fancy enough for an invitation. I realize now that might just be some quirk my parents instilled in me (they actually did make us bring gifts to people's houses whenever we visited). Good to know in any case.