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Hubs Let’s Me Handle The Money

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rencontre sfr sfc I was reading this article at Christian PF today and it occurred to me that I’ve never really talked about how Husband and I manage our finances.  Really, I just assumed that you knew, seeing as how we are practically like family now. 

have a peek at these guys It’s really the thing to do in the personal finance blogging world, because, after all, who wants to read financial advice from a lady who can’t even balance a checkbook.  Yes, I could straight up lie to you, tell you I made millions in futures, commodities and other equally obtuse investments. 

I’m not gonna lie.  I’m basically Abraham Lincoln sans the beard right now.

 

The Basics 

We are a single-income family of two, have one debt – a military loan with basically a 0% interest rate (so, no real reason to pay it off early), no house, soon-to-be no cars, Roth IRA’s, 401k’s, and a few other vanilla investments.  

We are boring. 

 

What We Think We Do Well

http://batis-hotel.gr/fidel/klementa/1941 Minimize Crap Buying – This is something that two anal-retentive, clutter-hating people are bound to do well.  Our favorite tool for crap-minimization has been our separate “allowance” accounts; they make us think more about small purchases and put a cap on the amount of junk we could actually buy, even if we wanted to. 

rencontre 76 ado Pay Off Credit Cards Completely Every Month – I’m aware that anyone who knows anything about money management knows that this is a very basic rule.  Well, we follow this rule very well and I want a gold star for it.  

dating in hudson falls ny Maximizing Our Investment Contributions – Hubs contributes the full 5% that the Air Force matches to his Thrift Savings Plan (401k) and, when I had a job, I did too – free money!  We also max our Roth IRA contributions every year (we’ve only been married a year and a half, but it’s a good start). 

 

What We Need to Work On

site de rencontre gratuit + 50 ans EATING OUT! – I’ve written several blogs about this very topic and how it SUCKS the money from your bank account.  We don’t regularly eat out very much, but since we’ve commenced our kitchen-less state of moving limbo, let’s just say we’ve kicked things up a notch. 

http://brightlightsdiscipleship.com/pilylkin/4989 Giving – We want to give more.  Period.

informative post Having Perspective – This is more ‘me’ than ‘we.’  I am a crazy budgeter and at times can be too narrowly focused on saving.  I know that lots of little things can add up to one big thing and that fact at times causes me to be possessed by a crazy, cranky, miserly woman.  It’s never pretty. 

 

What We Worry About

A worthless dollar, job loss, zombie Apocalypse, things that everyone worries about. 

I suppose one worry unique to us would be site de rencontre yverdon saving too much for ‘later’ and not enough for ‘now’.  We subscribe to the balanced-life-wealth theory, meaning we want to have a good standard of living both now and later; as opposed to a great SoL now and low SoL later or vice versa. 

We worry about having non-retirement investments that will allow us to play a little even before retirement (i.e. Husband’s airplane goal). 

I’m aware that most people worry about saving enough for retirement.  I worry about saving just for the sake of saving (which I’m prone to do), rather than saving with a purpose




Article publié pour la première fois le 04/11/2010

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