River ,'Trash'
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risque (and frisque), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Whatever works is awesome. Because- hard.
Absolutely, and we do still occassionally look at each other like we're looking at aliens.
I'm sorry if I have sounded preachy at all. My debt is still out of control fwiw, but it is getting closer to being under control. I have fucked up my finances beyond majorly in the past and was lucky to have family that could and would help me out. I'm trying very hard to not make the same mistakes again.
I think finding a solution to manage money in a partnership/marriage is one of the most challenging things on the face of the planet.
ditto . esp if you come from the magical money land of " OMG The money could dissappear at anytime, so the more you have sitting, getting dusty, in a savings account the better" it makes almost anyone else seem crazy and loose with money. After buying the house ( which was a huge trauma) the biggest trauma ( for me) has been deciding to raid our savings to pay off the CC debt. and although matt was invovled, I've been the CFO of this partnership. By choice. both of ours. I'm trying to start letting go of the total control and Matt is getting more invovled in the day to day finances. I think in the long run we will find it easier to be on the same page. an dif one of us is saying Save and the other Spend - we can argue form facts, not emotion.
P-C, I am impressed with your financial situation and the amount of savings you seem to have. You should be proud of yourself. An IRA would be a great idea for you. Just don't let your family break you with the gifting thing. You're going to want that money when you get a little older.
If you are young and have excess cash, contributing to an IRA is an excellent thing to do. Thanks to the glories of compounded interest, it will serve you well in retirement.
How much do you recommend I contribute? I think my uncle was recommending something like a thousand dollars a year or something. Where can I find out more information about such things?
Wait a second. WHAT THE FUCK? Holy fucking shit. My savings account right now pays 0.50% interest?? And ING can make that 4.4%?? What the crap?
You should be proud of yourself.
Well, I think the fact that my parents paid for college probably helped.
I'm sorry if I have sounded preachy at all.
No, no, no! I'm the preachy rambly one!
I think in the long run we will find it easier to be on the same page. an dif one of us is saying Save and the other Spend - we can argue form facts, not emotion.
So wise!
All of this money talk is making me VERY thankful that I'm taking the math class that I am this semester. It's an Honors course, so not one that's usually offered at the university. But, I think it should be a requirement for every student before they graduate. It teaches about the math in everyday life--savings, loans, annuities, voting, population, and that's just what we've studied so far. We're not even half-way through the semester! It's been most useful.
Ok. Now that I'm caught up, I must get back to work.
Is 4.4% considered good these days? My annuity is at 4%.
And ING can make that 4.4%?? What the crap?
It is the magic of the ING! For reals.
It is the magic of the ING! For reals.
And! It just keeps going up! Every once in a while they send you a random e-mail that says, "We just raised your rate!" It's AWESOME!
I think the current max on an IRA is 3K per year. I think.