sporky_rat: The Roman Orator from Rome, hand upraised. Text: Ahem (ahem)
[personal profile] sporky_rat
Hello, all!

I'm trying to whittle down my student loans as much as I can as well as the credit card statement that I use during the work-lean summers to help pay for groceries (those withdrawal pains are killer, I hear).

My question is, however, should I keep throwing as much money (On Time) at my loans and statement that I can afford or should I just keep at the minimum payment due? Now, I can't always pay more than the minimum but when I can, should I?

On the plus side, I've been able to save up a good bit in my savings account in the credit union!
delladea: (Default)
[personal profile] delladea
This borderlines on relationship advice, but it involves money.

Some background, leading up to now )

How things work right now is:
  1. Husband gets paid every 2 weeks, gets direct deposited into his personal checking.

  2. Husband transfers X amount into joint account.

  3. We pay everything out of the joint account except for auto/home insurance and oddball expenses which come out of his account.

  4. End of month comes, and a mad scramble ensues to get everything paid, usually involving temporarily transferring money out of joint savings.

  5. Next time husband gets paid, repay savings account + $20 penalty.

  6. Repeat next month.


One upside is our savings account is slowly getting bigger, but that's not the way I want to do it!

Now that our daughter is here and almost three months old, our expenses have increased in some ways in decreased a bit in others. We've also started raising sheep and I have no idea what's been spent on that because it's all come out of his account. I have asked him and he's given me some receipts, but that is a household expense and it should be coming out of the household account. Basically he's starting to pay some household stuff with his personal account which gives me an inaccurate picture of where our money is going. I'm the person responsible for paying bills and tracking where our money is going, so I need to know about everything that gets spent.

I'm posting here because I really really feel we need to just combine everything and use the joint account. We've been together for over seven years and are pretty much stuck with each other now. Both of us have similar attitudes on money and have never had a problem getting important expenses paid.

The problem is going to be selling the idea to my husband. I have a feeling he may view it as a loss of control, when I really don't feel that is the case.

For those of you who have SO's and only use a joint account, how do you make it work? What rules do you have for each other (if any)? How do you handle personal expenses, like (for example) buying new jewelry?
holyschist: Image of a medieval crocodile from Herodotus, eating a person, with the caption "om nom nom" (Default)
[personal profile] holyschist
My current situation )

I'm thinking about attempting to save more money via coupons: I don't want to go buying stuff we won't use with coupons, but making more of an effort to use coupons for things we do regularly buy. Right now we're pretty good about using coupons for a) craft supplies, b) one local Japanese fast food restaurant, and c) PetCo, and d) more pricey gift things (e.g. I made some photobooks with Snapfish as gifts, and waited for a 3-for-1 coupon).

What we are not good about using coupons for is day-to-day grocery and cleaning supplies--manufacturer's coupons more than store coupons.

Have any of you found coupons to be worth the time investment? If so, do you have any recommendations for a system to encourage actual coupon use with minimal time spent clipping-and-wrangling?

Have any of you found coupons to be totally NOT worth the time investment? I mean yes, the amount we can save with coupons is minimal next to what I'd make with one small freelance assignment, but coupons are reliable and assignments are not.
jamethiel: Money! (Money)
[personal profile] jamethiel
Hi guys. It's been a while since you heard from me, huh? I thought I'd give you a quick update.

Read more )
jamethiel: Money! (Money)
[personal profile] jamethiel
(Yes, I do realise that's the most pretentious subject line ever. Moving on)

I am in an unusual position at the moment. I am two months away from getting out of credit card debt. Easily, with no extra repayments beyond what I'd already budgeted for. My other short-term goal, a yearly train ticket has been achieved. It's sitting in my wallet right now and I've got an automatic debit into an account that I can't touch that empties once a year so I've got next year's ticket set up.

What do I do now?.

I do have longterm goals. Of course I do. But the thing with longterm goals is that I can't concentrate on them too much or I go crazy. They're so far away! My short-term goals are finished, my medium term goals are now short-term goals and they're either achieved or a blink away from being achieved.

I do have another medium-term goal which I'm going to start--building a cushion of three months salary as savings. I think I can make progress on that but it's going to take a while. I could break that down into smaller goals and then look into places where I can shove the money so I can't touch it? Term deposit or the like? Does anyone have any suggestions?

I suppose I could start saving for a computer as I think my laptop is getting to the end of its life? I might also set aside a small amount of money for a celebration of some sort, only I've retrained my brain to such an extent that I don't really WANT anything. Maybe I should save for a good suit.

I don't know! Tell me what to do!

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