personal finance

[anxvariety]

When you hire someone to mow your lawn, it makes ending up with a cut lawn cut pretty easy. I don’t think hiring a financial planner makes reaching objectives any easier unless you don’t know how to create objectives. If your troubles are discipline related, then you can hire a disciplinarian for much cheaper. Saving money should be pretty easy, it requires you do nothing, nothing that costs money ;} Doing nothing with money though I guess is pretty hard.. but if you have a plan and you’re not hitting your targets, you probably only need to adjust/refine the plan or your level of discipline. It doesn’t seem like you need a FP for a basic/personal plan but maybe a drills sargent could help :} I think focusing on either discipline or plan results versus any temptations for a magic bullet will help alot – just reflecting my own experiences. One of the area I do business frequently has newcomers many who will ask “how much money can I make if I do X?” They usually dissappear shortly after.. the ones that don’t ask that question and just try their hardest seem to end up on a better track.

[flyer]

It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.

[flyer]

It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.

[flyer]

It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.

[flyer]

It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.

[flyer]

It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.

[CA renter]

[quote=flyer]It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.[/quote]

Great post.

[CA renter]

[quote=flyer]It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.[/quote]

Great post.

[CA renter]

[quote=flyer]It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.[/quote]

Great post.

[CA renter]

[quote=flyer]It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.[/quote]

Great post.

[CA renter]

[quote=flyer]It definitely seems that you and your husband are on the right track in many ways, but I would definitely try to refinance to a better mortgage rate, if at all possible.
Even with writeoffs, at that interest rate, that’s still a lot of money just evaporating every month.

Also, do continue down your path of saving and investing everything you possibly can.
Twenty years ago, several of my friends and I believed we had life all figured out. We were making lots of money at a young age, had great marriages and kids, and planned to have all of our debts paid off and a seven+ figure net worth by the time we were 50 or younger.

Now that the midnight hour is fast approaching, only two of us have reached those goals. Why? Life happened. A few people lost their jobs, had major health issues and expenditures, family problems etc., etc., etc.

Enjoy your life today–relish your good fortune and hard work–but hang on to everything you have been blessed with in this moment, because it may, or may not last for the rest of your life.[/quote]

Great post.

[CA renter]

TG also had a great post.

In addition, I would say that people overlook the value of **local** junior colleges and universities. IMHO, the value of out-of-state universities is overblown.

If you can’t save up money for a child’s education, you can continue to provide food, shelter and basic necessities while they attend the local JC and university. The even get preferred enrollment and registration when they transfer to a four-year university (at least that’s how it used to work).

And is it me, or does nobody expect their kids to work anymore? Back in the day, most of us had jobs outside of school, and we paid most/all of our own expenses, without having to take out onerous student loans.

The belief that everyone has to go into lots of debt to get an education is what has enabled tuition prices to get so out of hand. Let’s get back to basics, and make education something that any hard-working kid can attain without having to go to the “Bank of Mom & Dad” and without having to take on burdensome student loans that can’t even be discharged in bankruptcy.

[CA renter]

TG also had a great post.

In addition, I would say that people overlook the value of **local** junior colleges and universities. IMHO, the value of out-of-state universities is overblown.

If you can’t save up money for a child’s education, you can continue to provide food, shelter and basic necessities while they attend the local JC and university. The even get preferred enrollment and registration when they transfer to a four-year university (at least that’s how it used to work).

And is it me, or does nobody expect their kids to work anymore? Back in the day, most of us had jobs outside of school, and we paid most/all of our own expenses, without having to take out onerous student loans.

The belief that everyone has to go into lots of debt to get an education is what has enabled tuition prices to get so out of hand. Let’s get back to basics, and make education something that any hard-working kid can attain without having to go to the “Bank of Mom & Dad” and without having to take on burdensome student loans that can’t even be discharged in bankruptcy.

[CA renter]

TG also had a great post.

In addition, I would say that people overlook the value of **local** junior colleges and universities. IMHO, the value of out-of-state universities is overblown.

If you can’t save up money for a child’s education, you can continue to provide food, shelter and basic necessities while they attend the local JC and university. The even get preferred enrollment and registration when they transfer to a four-year university (at least that’s how it used to work).

And is it me, or does nobody expect their kids to work anymore? Back in the day, most of us had jobs outside of school, and we paid most/all of our own expenses, without having to take out onerous student loans.

The belief that everyone has to go into lots of debt to get an education is what has enabled tuition prices to get so out of hand. Let’s get back to basics, and make education something that any hard-working kid can attain without having to go to the “Bank of Mom & Dad” and without having to take on burdensome student loans that can’t even be discharged in bankruptcy.

[CA renter]

TG also had a great post.

In addition, I would say that people overlook the value of **local** junior colleges and universities. IMHO, the value of out-of-state universities is overblown.

If you can’t save up money for a child’s education, you can continue to provide food, shelter and basic necessities while they attend the local JC and university. The even get preferred enrollment and registration when they transfer to a four-year university (at least that’s how it used to work).

And is it me, or does nobody expect their kids to work anymore? Back in the day, most of us had jobs outside of school, and we paid most/all of our own expenses, without having to take out onerous student loans.

The belief that everyone has to go into lots of debt to get an education is what has enabled tuition prices to get so out of hand. Let’s get back to basics, and make education something that any hard-working kid can attain without having to go to the “Bank of Mom & Dad” and without having to take on burdensome student loans that can’t even be discharged in bankruptcy.

[Author]

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