I have insurance through work THANK JEEBUS because when I looked into CoveredCA they wanted to charge me over $500/mo since I don't qualify for any subsidies. My wife is covered through grad school. I've never had anything serious but I'm so afraid of a car or bike accident or something that it's really important to me to at least have disaster coverage. Then again I love all types of insurance...also have renters, auto, and personal articles policies...just in case!
buying a house is my goal not for wealth purposes so much as lowering my biggest cost - rent - to something more manageable to the end game of not having that payment at all eventually. plus i think a lot of people who don't make that much don't trust the stock market or know enough about it to invest in it well. i know i'm hestitant to invest in that way.
@garli got it, checking it out.
@garli http://www.linkedin.com/in/clairelovell/ message me on there and i'll check it out.
I'm so happy to see this. We just moved to a new work office and there are two bathroom options. Single sex bathrooms that are literally 1/10 of a mile away OR a really close unisex bathroom...with a urinal. More often than not you either walk in on a guy peeing or unflushed poop, so I usually just walk to the far one. But it takes so long to walk over there I always just hold it as long as possible which probably isn't good.
@Faintly Macabre @kellyography @alexbaca I also am a former East Coaster who moved out to the Bay Area for work. It does take time, and generally you have to front your own moving costs, but it totally can be done! I made the move 4 years ago and it moved me into my current industry. I'm in my second job in my new career and I now have a very good job. So it can happen, keep at it. And get at me if you have questions!
@garli I got my current job on LinkedIn, and all my interviews in the past two years or so have been from there. The thing with LinkedIn is it costs a lot of post a job (much much more than Craigslist) so it tends to cater towards more wealthy technology companies who don't feel like dealing with the deluge of Craigslist replies. I work in technology so it works for me. Also I have a pretty decent profile and would be happy to give anyone tips if they want me to take a look!
@Chris_HHH Obviously you guys need to discuss but IMO debt is a burden that will follow both of you around so might as well pool things and work together to pay them off. But I'm the same as @limenotapple - we pool all money and all bills. We don't split costs or accounts for things seperately at all - everything is joined (see my comment above).
My wife and I have been on a joint account since about 6 months after moving in together. We don't maintain seperate accounts at all. We have various credit cards in one persons name or another, but we've added each other as cardholders on the ones we use often. Basically all the money we earn goes into our joint checking and savings and we make financial decisions together. We ask each other or at least let each other know if we're gonna spend a lot and have the same goals so it's not really a point of contention. We both want to save, pay down debt, and not spend too much. Our finances are much healthier since we became accountable to each other as we both encourage good habits with each other. So if one person wants to splurge the other might say, 'sure, you deserve it' but then again might say 'you know what things are tight this month we better not'. The only time it is annoying is for gifts so I just put those on my credit card as my wife does not review the statements at all. Sometimes if it's much higher than expected we may go over any significant purchase together but generally we both spend what we need to and check in about anything out of the ordinary. It's a good system for us because it forces us to discuss finances often and make sure we are keeping to our mutual goals. Both of us think it would be weird to split things. Maybe it's because we don't have much since she is a grad student but we have always been of the mindset that it all comes from the same place. Sometimes she makes more money and sometimes I do, but we both have the same standard of living as each other whether that means we are broke or solvent.
All of my friends with houses had help from their parents, so I appreciate the reminder that most our age can't 'under their own steam'. At least not around the Bay Area where I (and the author) live.