On Friday Estimate

I have noooo idea how much we will spend! My mom is coming to help out because I have a huge thing at the beginning of next week and no child care. Will we go out to eat? Maybe. Will we buy a full week's worth of groceries? Maybe. Who knows! Today: $180 putting down a day care deposit for my kid (the price of the first week). Then got a FREE printer from someone who lives nearby and was giving it away. Score! That's all we'll spend tonight, unless my partner gets a beer after work, so we can say $7 for that just in case. Tomorrow: probably groceries, maybe around $80? If we go out to dinner after my mom gets in, maybe another $30. Sunday: church, no spending. Total: up to $297. That's a lot for us! But the deposit was most of it.

Posted on March 27, 2015 at 3:09 pm 0

On Undercompensated in Academia

two thumbs up, excellent article.

Posted on March 26, 2015 at 3:07 pm 0

On Do A Non-1-Direction-Related Thing

I think I found day care!!! I can't get there to drop off the deposit until tomorrow, so I'm still a little nervous that somebody else will do so first, even though I made plans with the provider to do it in the morning and she knows I'm coming. Also spoke to my supervisor about my schedule when I return to work, to make sure the hours mesh with the day care. This is kind of crazy! It means my life is basically in order for the next six months or so (when work stuff is likely to change again).

Posted on March 26, 2015 at 2:44 pm 2

On "The Grand 401(k) Experiment Has Been A Failure"

I feel like there's an ingredient missing here...oh yeah...the part where 401ks outsource the risk and cost to employees. Pension plans were compensation on top of wages. 401Ks require workers to make the contributions out of wages (there aren't always matches, and when there are, they tend to be pretty small compared to pension benefits). Also, wage stagnation and rising cost of living = less money left to save.

Posted on March 24, 2015 at 8:35 pm 2

On In Which I Answer a Question About Marriage and Finances That 'Call Your Girlfriend' Asked Us in October

@BornSecular Honestly I think sharing it all is easier when you don't have extra money, which is my situation now, because a) you can't save and b) you really can't afford frivolous stuff, so what is there to disagree over? When we were in a more similar situation to yours we used the same system as you because we had to decide where to allocate it, and we basically didn't want to step on each other's toes because we don't always want to choose the same things either. I definitely see where you're coming from!

Posted on March 24, 2015 at 8:30 pm 0

On Would You Work the Overnight Shift In Exchange for Free Tuition?

Wow. That sounds so, so hard.

Posted on March 24, 2015 at 2:19 pm 0

On What's Your Limit When Waiting for a Table?

@dromeda That is excellent to hear! How early is fairly early, in your opinion (as in how much prior to 5:30 to line up)?

Posted on March 24, 2015 at 2:17 pm 0

On What's Your Limit When Waiting for a Table?

@dromeda I totally want to try Yume Wo Katare but now that I have a baby I'm afraid of unpredictable wait times because in a given 2+ hour stretch, he's going to need feeding or changing, and you cannot do those on a sidewalk. I do not regret most of my life choices, but it always seems to come back to the one where I chose a career field that doesn't leave me enough leftover for Boston-area childcare, even when it's a question of Ramen....

Posted on March 24, 2015 at 12:16 pm 0

On In Which I Answer a Question About Marriage and Finances That 'Call Your Girlfriend' Asked Us in October

@BornSecular I don't know if you're unusual! That's what we did for a few years after being married. Except right now we don't have enough excess income for allowances, so we just say "hey is it cool if I buy [x small thing I need]" occasionally (yes), and big personal purchases are off the table until there is more money in the picture, pretty much.

Posted on March 23, 2015 at 3:16 pm 0

On Stars: They're Not Paying Off Their Student Loans Just Like Us!

I actually think if you have a lot of money or just-a-bit-extra money, it makes sense to invest it somewhere with a higher return (if your loan is at 6.8% don't even bother, that would be a pretty decent return itself, but older loans can come with lower rates). If you have a lot, the debt isn't really an albatross around your neck, you can do what makes the most sense accounting-wise. If you have a bit extra to put somewhere, but not that much, if you use it all up paying off your student loan you're not left with anything left should you need it. You might want to invest it somewhere relatively safe, where you can pull it out without penalty, or even just keep it in savings and lose money for the sake of access. At least that's what I tell myself....

Posted on March 23, 2015 at 2:54 pm 1