A friend was telling me about her cut and color and how pleased she was with the price...the same price that I pay just for a cut (my cut and color is about 3x what she paid). Oh well. I'm with Mike - I stick with my stylist because he knows my hair, and I've never had a bad experience with him in more than 5 years.
I get mine every year when I file my taxes - cost me $5 this year (Experian - I try to use a different reporting agency each time).
@ThatJenn I went to Silver Springs when I was a teenager because I was obsessed with Stevie Nicks (still am, actually). I loved the glass-bottom boat tours.
I've been without a goal to report! I finished paying off debt in 2012. I finished funding an emergency fund in 2013. In 2014, I was a bit at loose ends - what do I make a financial priority now? I've saved for retirement through the whole thing, and that's not going to change. I've continued to save 30% of my gross income. Yay. But I wasn't really sure where to direct that 30% (and I'm still not sure). I read an article from afford anything (http://tinyurl.com/m23qrtv) recently that really hit home for me. The thing that has always bugged me about savings is how to define "savings." I save 5% of my income for short-term expenses like insurance, car repairs, travel, and so forth. Most of that money gets spent within a year of saving it. The article showed me that what really matters is my rate of investing. So my goal is to invest 25% of my income every month. This will boost my overall savings rate to 32% (2% to emergency fund, 5% to those annual expenses). The 25% for investment includes retirement investing (in a Roth IRA). I'm still shifting some money around, so I definitely didn't get to this goal in February - I put most of my savings in a money market account this month but I've set up the automatic investment in an index fund March! Yay for cost dollar averaging and taking the guessing game out of when to invest!
Aldi's sells a cookie that tastes just like a samoa. So now I can have them year round!
@EDaily If her mother hadn't paid, the author would have paid off her debt in 5(ish) years instead of 4. The point is that 2 adults lived on 25K a year - they sacrificed a lot of stuff (big and small) to live that way.
@travlinggirl I'm exactly the same. The thing that got me with Mint was the rolling budgets - I never stayed on top of what rolled forward, and I was wayyyy to optimistic about it! Plus I would pretend that credits that weren't linked in Mint didn't exist, so that spending didn't happen (ha!). I love mint for collecting my accounts in one place (now that I've linked all of them!), but not so much for budgets. So now I do zero-based budgeting every month in the google spreadsheet, which also lets me round up my purchases to create a little extra buffer! In the past year or so, my handle on extraneous spending has really, really improved.
I started these on DVD years ago, but I didn't know there were streaming now! Yay Netflix!
Awesome job! I paid off 40K in 3 years. Heidi Moore would say that I lived like a monk, but I would say that it was totally worth it.