[Nicole]

thanks for the follow-up sdrealtor. I figured this would happen…

[Nicole]

thanks for the follow-up sdrealtor. I figured this would happen…

[Nicole]

thanks for the follow-up sdrealtor. I figured this would happen…

[Nicole]

thanks for the follow-up sdrealtor. I figured this would happen…

[Nicole]

thanks for the follow-up sdrealtor. I figured this would happen…

[Nicole]

TG-

Your post was great. You are right, I want to spend as much time with my son as possible and hope to have another child someday. I worked my tail off until just days before I delivered my son so that I could save some extra money and extend my maternity leave.

I completely agree that there is value in teaching your children what it is like to live without. My father’s approach to sending us to college was very similar to your experience, I even remember donating plasma every 2 weeks for a few months 🙂 My father raised us to believe we were poor which was hilarious because we lived in a fairly affluent community in the mid-west. I remember thinking, man, how do we live here even though we’re so poor??? It wasn’t until I was in my mid-20’s that I realized my father was just stashing away the money to pay the tuition for 5 kids (we’d pay our own living expenses and books- that was the deal).

So in response to some other posts, we’ll definitely be working on our discipline and try to redefine ourselves as savers instead of spender. We’ll look into refinancing when possible 6.25% on 650K is huge, I realize that.

I’ll completely ditch the idea of a FP and just come here for the wisdom of the piggs! Thanks for diversity of opinions and perspectives.

[Nicole]

TG-

Your post was great. You are right, I want to spend as much time with my son as possible and hope to have another child someday. I worked my tail off until just days before I delivered my son so that I could save some extra money and extend my maternity leave.

I completely agree that there is value in teaching your children what it is like to live without. My father’s approach to sending us to college was very similar to your experience, I even remember donating plasma every 2 weeks for a few months 🙂 My father raised us to believe we were poor which was hilarious because we lived in a fairly affluent community in the mid-west. I remember thinking, man, how do we live here even though we’re so poor??? It wasn’t until I was in my mid-20’s that I realized my father was just stashing away the money to pay the tuition for 5 kids (we’d pay our own living expenses and books- that was the deal).

So in response to some other posts, we’ll definitely be working on our discipline and try to redefine ourselves as savers instead of spender. We’ll look into refinancing when possible 6.25% on 650K is huge, I realize that.

I’ll completely ditch the idea of a FP and just come here for the wisdom of the piggs! Thanks for diversity of opinions and perspectives.

[Nicole]

TG-

Your post was great. You are right, I want to spend as much time with my son as possible and hope to have another child someday. I worked my tail off until just days before I delivered my son so that I could save some extra money and extend my maternity leave.

I completely agree that there is value in teaching your children what it is like to live without. My father’s approach to sending us to college was very similar to your experience, I even remember donating plasma every 2 weeks for a few months 🙂 My father raised us to believe we were poor which was hilarious because we lived in a fairly affluent community in the mid-west. I remember thinking, man, how do we live here even though we’re so poor??? It wasn’t until I was in my mid-20’s that I realized my father was just stashing away the money to pay the tuition for 5 kids (we’d pay our own living expenses and books- that was the deal).

So in response to some other posts, we’ll definitely be working on our discipline and try to redefine ourselves as savers instead of spender. We’ll look into refinancing when possible 6.25% on 650K is huge, I realize that.

I’ll completely ditch the idea of a FP and just come here for the wisdom of the piggs! Thanks for diversity of opinions and perspectives.

[Nicole]

TG-

Your post was great. You are right, I want to spend as much time with my son as possible and hope to have another child someday. I worked my tail off until just days before I delivered my son so that I could save some extra money and extend my maternity leave.

I completely agree that there is value in teaching your children what it is like to live without. My father’s approach to sending us to college was very similar to your experience, I even remember donating plasma every 2 weeks for a few months 🙂 My father raised us to believe we were poor which was hilarious because we lived in a fairly affluent community in the mid-west. I remember thinking, man, how do we live here even though we’re so poor??? It wasn’t until I was in my mid-20’s that I realized my father was just stashing away the money to pay the tuition for 5 kids (we’d pay our own living expenses and books- that was the deal).

So in response to some other posts, we’ll definitely be working on our discipline and try to redefine ourselves as savers instead of spender. We’ll look into refinancing when possible 6.25% on 650K is huge, I realize that.

I’ll completely ditch the idea of a FP and just come here for the wisdom of the piggs! Thanks for diversity of opinions and perspectives.

[Nicole]

TG-

Your post was great. You are right, I want to spend as much time with my son as possible and hope to have another child someday. I worked my tail off until just days before I delivered my son so that I could save some extra money and extend my maternity leave.

I completely agree that there is value in teaching your children what it is like to live without. My father’s approach to sending us to college was very similar to your experience, I even remember donating plasma every 2 weeks for a few months 🙂 My father raised us to believe we were poor which was hilarious because we lived in a fairly affluent community in the mid-west. I remember thinking, man, how do we live here even though we’re so poor??? It wasn’t until I was in my mid-20’s that I realized my father was just stashing away the money to pay the tuition for 5 kids (we’d pay our own living expenses and books- that was the deal).

So in response to some other posts, we’ll definitely be working on our discipline and try to redefine ourselves as savers instead of spender. We’ll look into refinancing when possible 6.25% on 650K is huge, I realize that.

I’ll completely ditch the idea of a FP and just come here for the wisdom of the piggs! Thanks for diversity of opinions and perspectives.

[Nicole]

Ok, false-alarm, lil guy went back to sleep in his crib.

I’m so glad I posted this because your responses confirmed what my husband and I were thinking. We are currently using Mint.com and what I’ve noticed is that our spending (things that would be used in a “slush” fund) is really way too high.

Currently, we autopay EVERYTHING! Everything else, I pay with plastic but we pay the full balance monthly.

Our combined income is fairly high but we have considerable debts. Our mortgage is $650K at 6.25% and our education debt combined is about $250K at 3%. We don’t have car payments or credit card debts, we have a small healthcare loan that will be paid off in a couple months at 3%. My husband contributes 12% into his retirement fund and I contribute 10%. Our other largest expense is hiring help, we have daycare, landscaper (2x monthly), and housekeeper (2x monthly).

We’re not struggling by any means, but I just know that with our income level we should be able to save more for my son’s educational fund than we have been.

After reading your posts, I agree paying an advisor to tell us what is already obvious is pointless. It seems that the consensus is that without considerable amount of money for investing, a PF person isn’t worth the cost.

So, here is my remaining question. Once my husband and I have our spending habits reined in and we have more money to save. Should we just continue to contribute to our employee retirement accounts and my son’s educational fund or would it be wise to use a PF to invest any savings we generate?

[Nicole]

Ok, false-alarm, lil guy went back to sleep in his crib.

I’m so glad I posted this because your responses confirmed what my husband and I were thinking. We are currently using Mint.com and what I’ve noticed is that our spending (things that would be used in a “slush” fund) is really way too high.

Currently, we autopay EVERYTHING! Everything else, I pay with plastic but we pay the full balance monthly.

Our combined income is fairly high but we have considerable debts. Our mortgage is $650K at 6.25% and our education debt combined is about $250K at 3%. We don’t have car payments or credit card debts, we have a small healthcare loan that will be paid off in a couple months at 3%. My husband contributes 12% into his retirement fund and I contribute 10%. Our other largest expense is hiring help, we have daycare, landscaper (2x monthly), and housekeeper (2x monthly).

We’re not struggling by any means, but I just know that with our income level we should be able to save more for my son’s educational fund than we have been.

After reading your posts, I agree paying an advisor to tell us what is already obvious is pointless. It seems that the consensus is that without considerable amount of money for investing, a PF person isn’t worth the cost.

So, here is my remaining question. Once my husband and I have our spending habits reined in and we have more money to save. Should we just continue to contribute to our employee retirement accounts and my son’s educational fund or would it be wise to use a PF to invest any savings we generate?

[Nicole]

Ok, false-alarm, lil guy went back to sleep in his crib.

I’m so glad I posted this because your responses confirmed what my husband and I were thinking. We are currently using Mint.com and what I’ve noticed is that our spending (things that would be used in a “slush” fund) is really way too high.

Currently, we autopay EVERYTHING! Everything else, I pay with plastic but we pay the full balance monthly.

Our combined income is fairly high but we have considerable debts. Our mortgage is $650K at 6.25% and our education debt combined is about $250K at 3%. We don’t have car payments or credit card debts, we have a small healthcare loan that will be paid off in a couple months at 3%. My husband contributes 12% into his retirement fund and I contribute 10%. Our other largest expense is hiring help, we have daycare, landscaper (2x monthly), and housekeeper (2x monthly).

We’re not struggling by any means, but I just know that with our income level we should be able to save more for my son’s educational fund than we have been.

After reading your posts, I agree paying an advisor to tell us what is already obvious is pointless. It seems that the consensus is that without considerable amount of money for investing, a PF person isn’t worth the cost.

So, here is my remaining question. Once my husband and I have our spending habits reined in and we have more money to save. Should we just continue to contribute to our employee retirement accounts and my son’s educational fund or would it be wise to use a PF to invest any savings we generate?

[Nicole]

Ok, false-alarm, lil guy went back to sleep in his crib.

I’m so glad I posted this because your responses confirmed what my husband and I were thinking. We are currently using Mint.com and what I’ve noticed is that our spending (things that would be used in a “slush” fund) is really way too high.

Currently, we autopay EVERYTHING! Everything else, I pay with plastic but we pay the full balance monthly.

Our combined income is fairly high but we have considerable debts. Our mortgage is $650K at 6.25% and our education debt combined is about $250K at 3%. We don’t have car payments or credit card debts, we have a small healthcare loan that will be paid off in a couple months at 3%. My husband contributes 12% into his retirement fund and I contribute 10%. Our other largest expense is hiring help, we have daycare, landscaper (2x monthly), and housekeeper (2x monthly).

We’re not struggling by any means, but I just know that with our income level we should be able to save more for my son’s educational fund than we have been.

After reading your posts, I agree paying an advisor to tell us what is already obvious is pointless. It seems that the consensus is that without considerable amount of money for investing, a PF person isn’t worth the cost.

So, here is my remaining question. Once my husband and I have our spending habits reined in and we have more money to save. Should we just continue to contribute to our employee retirement accounts and my son’s educational fund or would it be wise to use a PF to invest any savings we generate?

[Nicole]

Ok, false-alarm, lil guy went back to sleep in his crib.

I’m so glad I posted this because your responses confirmed what my husband and I were thinking. We are currently using Mint.com and what I’ve noticed is that our spending (things that would be used in a “slush” fund) is really way too high.

Currently, we autopay EVERYTHING! Everything else, I pay with plastic but we pay the full balance monthly.

Our combined income is fairly high but we have considerable debts. Our mortgage is $650K at 6.25% and our education debt combined is about $250K at 3%. We don’t have car payments or credit card debts, we have a small healthcare loan that will be paid off in a couple months at 3%. My husband contributes 12% into his retirement fund and I contribute 10%. Our other largest expense is hiring help, we have daycare, landscaper (2x monthly), and housekeeper (2x monthly).

We’re not struggling by any means, but I just know that with our income level we should be able to save more for my son’s educational fund than we have been.

After reading your posts, I agree paying an advisor to tell us what is already obvious is pointless. It seems that the consensus is that without considerable amount of money for investing, a PF person isn’t worth the cost.

So, here is my remaining question. Once my husband and I have our spending habits reined in and we have more money to save. Should we just continue to contribute to our employee retirement accounts and my son’s educational fund or would it be wise to use a PF to invest any savings we generate?

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