On A Life Without Retirement Savings

@BillfoldMonkey Well stated. If working as an adjunct wasn't providing the income that she needed why didn't she find either other work or work to supplement her income? It has nothing to do with being an adjunct and everything to do with being under employed. We each have to take responsibility.

Posted on December 9, 2014 at 10:29 am 2

On When Budget Beauty Starts to Hurt

Hack Alert: If you use Bing.com as your search engine you can earn $5 Sephora gift certificates. You can use an unlimited number of them when shopping at their stores and use (2) when shopping online. You login with your hotmail account and for every 425 points(375 once you reach "gold" level) you earn a reward. http://www.bing.com/explore/rewards

Posted on December 9, 2014 at 10:20 am 1

On Rationalizing Adorable, Impractical Online Purchases

@rightclicksave Yeah....I am. Viewing money spent on something that is certainly cute but definitely a frivolous want, not a need. Just some insight into how we view money.

Posted on November 5, 2014 at 10:51 am 0

On Trying to Pay Off Debt and Falling Off the Wagon (As We Do Sometimes)

Logan, instead of buying consider shopping at home in your closet. Sometimes you might find something there that is similar and could give you the same amount of satisfaction without the increase in debt. Typically, you convince yourself that you somehow "need" the item in question when in reality you probably don't. And, very likely, have something close to, similar or functional in the same way, right there in your closet or drawers. Do an inventory review and you might find things that you've forgotten about. You could get the same rush without racking up more debt. When you get a more aerial view of things, you realize what BS it all is. You don't need more stuff in lieu of your financial security or for that matter financial freedom. Each transaction that goes on a credit card is like an added weight... JMHO.

Posted on November 4, 2014 at 8:48 am 0

On Rationalizing Adorable, Impractical Online Purchases

@Meaghano Gotta ask kiddo. Would you have considered, on a whim, putting the money that you spent on the booties into a 529 for him?

Posted on November 4, 2014 at 7:50 am 1

On "What Does Your Father Do?"

My Dad came home from WWII and did some odd jobs. He was delivering something to a jewelry manufacturer down on Canal St. in Chinatown. They were making platinum engagement rings. He started talking to one of the jewelers and decided it was something that he thought he could do. They took him on as an apprentice. He was apprenticed in two other shops until he went to work making jewelry on his own. He spent 51 years in the business before he retired at 75. He did reasonably well. What is most important is that he genuinely loved his work. My Mom started taking college courses after work in the evenings at Queens college. She was working as a secretary for a chemical company in Long Island City. As she progressed through her accounting courses she got a promotion to be an internal auditor. She did that for a few years before taking a job with an overseas sneaker manufacturer. She traveled all over the world doing auditing for them. She then went to work for a sportswear manufacturer and became their head of operations after doing all the financial end for a few years. She was very successful and didn't retire until she was 79. Both of my parents families were immigrants who came over without anything. Definitely rags to comfort in one generation.

Posted on October 1, 2014 at 9:28 am 0

On FinCon Starts Today

Posted on September 18, 2014 at 9:29 am 0

On FinCon Starts Today

$99 for a FinCon virtual pass? $499 for FinCon-Pass? Yeah....the operative word here being "con".

Posted on September 18, 2014 at 9:19 am 0

On Monday Check-in

This weekend was beautiful, really enjoyed it: Picked peaches again($5) Made stuffed zucchini with tomatoes from the garden($0) Cold packed a bunch of tomatoes ($0) Baked a vanilla cake ($0) Grilled marinated chicken ($0) Made burgers from ground chicken...came out better than I expected Rode the horse....went great...again. Priceless Used the last 8 of my $1/1 Tidy cats coupons to get 80 lbs of cat litter for about 60 cents. Laundry done and dried on the lines as the weather was perfect. Walked and picked up corn on the cob from the farm down the road($1) Picked gladiolus from my garden and made a nice arrangement for the dining room table. Cleaned out dill plants from pot on the deck. Food shopping ($25) About $31.60 I never make estimates....used to when I was young like you guys...but now...meh. :)

Posted on September 8, 2014 at 2:57 pm 0

On How It Feels to Pay Off $70,000 in Debt

Just took at look at MindfulRiot....love it. I've been doing most of the stuff that MMM talks about for the past 35 years.....but my friends didn't think it was cool ....just me being El Cheapo. P.S. I'm a 56 former NY kid(born and raised in Queens) and love, love theBillFold. My Brooklynite DD tells me I'm a hipster wannabe.....

Posted on August 26, 2014 at 2:46 pm 1