@OllyOlly My undergrad loans are totally manageable, but joke's on me though, because my (much more substantial) law school loans are between 6.5% and 7.5%.
FWIW, I started at NYU a year earlier than Teller and part of my federal loans are around 6.0%, but some are only at 1.6%. Even the private ones that NYU pushed on us are at 1.5-2%.
On In Which I Answer a Question About Marriage and Finances That 'Call Your Girlfriend' Asked Us in October
Lots of you have already shared good arguments in favor of my general viewpoint on this issue (split joint expenses proportionately to income, cover personal expenses individually), so I'll try to be brief. My bf and I operate with a joint account for mutual expenses and individual accounts for personal ones, including our very significant student loans (we met in law school). Even though we've talked plenty about marriage, we also agree that we'd stick with this system even when married. Our loans are something we decided to take on before we knew each other, and we both feel a strong desire to get rid of them without burdening one another. No one else should have to pay for my 21-year-old self's decision to take on six digit debt. We've adjusted our contributions to the joint account when we've gotten raises or taken pay cuts, but the bottom line is usually that we each need to keep enough for ourselves to cover loan payments. Also, I'm not sure how we could ever buy gifts for each other with a single account, since I check Mint literally every day to keep track of expenses.
@Lily Rowan YES. This works especially well for higher-priced items. I bought a box of cubed turkey at Whole Foods the other day for my lunch salads this week for almost half as much as it would have cost from the deli section. The key is knowing what items are normally priced higher than the per pound rate at the salad bar (that is, don't buy a bunch of chickpeas at $7.99/pound when a pound's worth would be $2 in cans).
Who will volunteer to comb through UrbanBaby for the inevitable post outlining the employer's side of this?
@garli I'd 100% recommend it. I came heart-breakingly close to winning (like, the judges/producers had to convene to decide whether to accept the winner's Final Jeopardy answer, which ultimately, they did), but aside from that, the experience was a complete joy. For most people, it's crossing off a bucket list item, so everyone is jazzed just to be there. Also, escaping to LA from NYC in December was a delight. I believe the check I got was between $1600-1700, which had the CA taxes already withheld. That amount then got taxed as other income on my federal returns at my regular rate.
Actually, Jeopardy! will pay for your transportation and lodging in L.A. if you win enough episodes to have to come back for a second taping (they tape a week's worth all in one day, and film two consecutive days per week). You're on your own for your first trip out there, but they give you a pretty decent rate at a very lovely Doubletree. I was on the show last year and the $2000 I won from coming in second place was the most interesting thing about filing my taxes. And yes, everything about the anecdote process is an actual nightmare. Alex's follow-up question to mine got cut for time so it was even MORE boring.
@angry little raincloud I was VERY emotional when Guillaume Henry left Carven. :( @Lily re: dry cleaning - I probably have my shirts done every 6-8 wears (though more often in the summer). I try to air them out after each wear and will just throw them in a steamy bathroom if I need to get a few wrinkles out. I also wear cheap-o Express camisoles under everything that seem to keep sweat under control.
@ronswansonluva The cut is definitely meant to be roomy. I wear a small, which is generally what I wear in most other brands and it comes nowhere CLOSE to puckering. They run big enough that I could probably fit into an XS, but I like the blousey-type fit.
@steponitvelma I keep trying to talk myself into Everlane because the quality looks amazing and the manufacturing/cost transparency is something I can really get behind, but I am terrible at returning things, so I hardly ever buy online unless I've had the chance to see/try on in person. Maybe one of these days I can pull the trigger.