thriftymom
Initiate Member
Joined: Dec 22, 2010 21:52:19 GMT -5
Posts: 74
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Post by thriftymom on Jan 5, 2011 9:23:05 GMT -5
Welcome to the new members! Glad you found us right at the time of the move so you could follow us over here. This board has really helped me keep track of my debt, take responsibility for it, and pay it down like there's no tomorrow. Thank goodness that it's continuing even after MSN dropped the boards because, while I've learned some valuable strategies for paying down debt and not accruing more useless debt, it is invaluable to have a group to share this journey with. Sometimes having another person give you a view of your own situation from the outsider perspective is just what you need to kick your own behind and get it in gear. I hope you all enjoy it here as much as I have the past few years!
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momofg
New Member
Joined: Dec 21, 2010 15:06:53 GMT -5
Posts: 32
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Post by momofg on Jan 5, 2011 10:45:28 GMT -5
Hello everyone! Here are my last 2 updates:
Momofg: 10/11/10 $48,819.99 (6/4/08 $53,106.80 NE207)
Momofg 12/13/10 $50,142.91 (6/4/08 $53,106.80 NE207)
I am hoping to post my new numbers early next week. My goals for this year is no more backsliding!
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mommy2aiden08
New Member
Joined: Dec 22, 2010 11:29:07 GMT -5
Posts: 10
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Post by mommy2aiden08 on Jan 5, 2011 13:23:55 GMT -5
thrifty, let me know how that works out for you, please. Our plan year changes at the end of April, and I'm weighing my options about continuing to have my childcare FSA taken out pre-tax, or just having two weeks' worth of childcare automatically put into my daycare account every paycheck. I'm NOT a tax-savvy person, so I have NOT A CLUE whether one way benefits me more than the other. Anyone care to weigh in? I want to make sure I do it the right way, in a way that will be most beneficial to me financially.
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antevasin
New Member
Joined: Jan 3, 2011 11:24:20 GMT -5
Posts: 27
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Post by antevasin on Jan 5, 2011 16:12:41 GMT -5
Hi Ladies, I've been following the boards so I registered on this site but haven't updated in quite some time. I had a few months of negative slips in repaying the loan to my parents, and actually borrowed against it for some other payments.
I realized the negative slips were due to last minute increases in expenses over the past few months (tax hikes, transportation fare increases, etc.) that were announced and applied within a month of the announcement and me not spending tons of time with my budget.
Tired of this being the case, I spent a good part of December, analyzing my spending, projecting for 2011 and making the appropriate changes. In doing so, I did manage to start contributing back to the loan so I got back to a forward moving direction in paying it off, so here's my latest update as of the end of December:
antevasin: 12/31/10 $76,563.25 (7/28/09 $79,160.23 NE656)
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constanz22
Senior Member
Joined: Dec 18, 2010 14:32:17 GMT -5
Posts: 4,219
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Post by constanz22 on Jan 6, 2011 7:55:34 GMT -5
thrifty, let me know how that works out for you, please. Our plan year changes at the end of April, and I'm weighing my options about continuing to have my childcare FSA taken out pre-tax, or just having two weeks' worth of childcare automatically put into my daycare account every paycheck. I'm NOT a tax-savvy person, so I have NOT A CLUE whether one way benefits me more than the other. Anyone care to weigh in? I want to make sure I do it the right way, in a way that will be most beneficial to me financially. From a tax standpoint, you are better off continuing to contribute to your FSA. The FSA is pre-tax dollars so taxes are not taken out of that money, and depending on what tax bracket you are in, this can be a significant amount of money, especially when you are talking about child care. I would probably continue it if I were in your position. Having said that, I did NOT sign up for my FSA (medical) this year because of the changes regarding OTC meds. I never contributed more than $15-20 per pay (bi-weekly) and over half of mine tended to be OTC, so, in MY case, it really isn't worth it right now.
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Post by fitzgal on Jan 6, 2011 9:03:23 GMT -5
Update: FitzGal: 12/31/10, $34,587.37 (7/29/10, $34,936.92, NEU263) CC1: $2,873.81 CC2: $3,277.94 CC3: $4,408.97 CC4: $24,026.65 Total: $34,587.37 Well, I went up about $300 this month. $200 was for a Mary Kay order so hopefully I'll make that back pretty quick. The other $100 should be taken care of after I make a few returns next week. Of course, I was hoping to go down rather stay at the same amount, but this is the first year I haven't put Christmas entirely on a card so I'm happy about that. Working some overtime at work so my next paycheck should be nice. Anything extra goes towards my snowball. Can't wait to get rid of that first card! Cancelled a trip I planned for March so no big (planned) expenses for a while. Do need to get my dryer fixed and a new battery for my car, but that's what my emergency fund is for right?! =) Feeling pretty good about 2011. I have a long road in front of me, but at least I feel like I can do this. I've got a budget...I've got a plan...and I've got a goal! I'm so excited!!! Have a fun and safe New Years Eve ladies. I'll talk to you in 2011!!! Happy New Year!!!!
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thriftymom
Initiate Member
Joined: Dec 22, 2010 21:52:19 GMT -5
Posts: 74
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Post by thriftymom on Jan 6, 2011 11:02:28 GMT -5
thrifty, let me know how that works out for you, please. Our plan year changes at the end of April, and I'm weighing my options about continuing to have my childcare FSA taken out pre-tax, or just having two weeks' worth of childcare automatically put into my daycare account every paycheck. I'm NOT a tax-savvy person, so I have NOT A CLUE whether one way benefits me more than the other. Anyone care to weigh in? I want to make sure I do it the right way, in a way that will be most beneficial to me financially. From a tax standpoint, you are better off continuing to contribute to your FSA. The FSA is pre-tax dollars so taxes are not taken out of that money, and depending on what tax bracket you are in, this can be a significant amount of money, especially when you are talking about child care. I would probably continue it if I were in your position. The PP is right: If you want to save more $ on your taxes it's better to have the $ withdrawn into the FSA throughout the year. I was having $3K of our total allowable withholding of $6K (two kids) pulled from my check annually. I couldn't afford to have them take out the full $6K, and DH is so bad about requesting $ back that I didn't want him having the other $3K withheld. So for years now we've just claimed the other $3K on our taxes. Anyway, it has been taking my employer 4-6wks to cut reimbursement checks, and for the dependent care FSA we aren't allowed to request it until it's been taken from our checks (with the medical FSA we can claim it at any time throughout the year, even if that amount hasn't been withheld from our checks yet), so it was getting trickier and trickier to keep my budget balanced when I had no concrete idea of when my hundreds of dollars per reimbursement were coming back to me. You'd think that I could've just put in reimbursement requests more frequently, but I found if I put them too close together (basically, more than one/month), they just held the earlier one until about 4-6wks after the latter one. Ugh. So I'm sacrificing tax savings for having real $ in my hands this year while we're paying down our debt in huge amounts. We normally get a $6K tax refund (don't flame me; we'll get rid of that once we trust ourselves better w/our expenditures), so this is not going to put us in a position of owing taxes. We'll see how it goes this year, and we can always change it back next year, but I'm stuck w/it for 2011 since we had to commit back in early Dec.
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IrishMaude
New Member
Joined: Dec 28, 2010 9:45:22 GMT -5
Posts: 30
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Post by IrishMaude on Jan 6, 2011 15:00:44 GMT -5
Debbie Downer, here. So, I've had it. New York state is the state of impossibilities. You can't afford to rent. You can't afford to buy and IF you're lucky enough to be able to do either, you're living in an unsafe area and still not able to feed your family. How did a yearly income for ONE individual over $50k become "low income"? How is it ok for the government to tax the ever-living crap out of us, claim their STILL poor, tax us more AND THEN say, yeah, sorry, you don't qualify because of your income?? So, what they're telling me is that my income is considered "low", yet not low enough to attain the "aid" status they offer. Rent around my area for a 2br apartment is $1300-$1600 a month. That's NOT including utilities, internet, etc. 1br are going for $800-$1050!!! Oh, right, and they all want $4k down to move in? Seriously?! I am so beyond defeated right now I want to scream. Yep, give up, and scream. I have been stuck in this rut for so long, someone somewhere wants me to spend the rest of my life here. My options are exhausted as is my mind. No jobs because there is no money in the budgets. No money in the budgets because everyone is broke. I'm moving to Alaska. At least the cost of living there might be somewhat even. New York city area is SO overrated.
Update: IrishMaude: 1/6/11 $3570.00 (8/7/2008 $21,064.05 NE260)
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redwagon
Senior Member
Joined: Dec 18, 2010 14:16:11 GMT -5
Posts: 2,642
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Post by redwagon on Jan 6, 2011 20:49:20 GMT -5
Irish - I feel your pain. I rented on my own a 1BR for two years, and it went from $1100/mo to $1300/mo, not including utilities. So then I moved in with 2 roomies in a 3BR for $800/mo each not including utils, but obviously roomies aren't always fun to have around. Blue_wagon and I bought a house in 2009 but I'll admit, it's at the very max of our budget and was only able to be done by using an FHA mortgage with 3% down and rolling closing costs into the mortgage... and the fact that blue had been saving since he was little and had enough savings. If you are interested in buying have you checked into the SONYMA programs?
I take surveys and am always shocked that our income is usually one of the highest options and yet I know we are almost paycheck to paycheck (not struggling, but our money needs to be carefully allocated) and I wonder how much we'll have to make to be just able to relax a bit... Our property taxes are $8k a year, which is a bummer when we don't even have kids to enjoy the benefit from the great schools here (most of the taxes go there). NY is so expensive but I know I'd never have gotten blue to move to MA, where my brother makes less than I do and is considered to be making a lot, and his house cost a third as much for more space... sigh. Good luck?
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GirlGreen
Initiate Member
Joined: Dec 22, 2010 17:07:23 GMT -5
Posts: 97
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Post by GirlGreen on Jan 7, 2011 7:22:33 GMT -5
I keep debating which loan I should be putting extra payments to. Any opinions? Student Loan | $6,055.24 | 5.25% | Min Pay: 122.87 | Car Loan | $11,550.19 | 3.99% | Min Pay: 212.57 |
Thanks!
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poohbiscit1
Established Member
Joined: Dec 21, 2010 11:59:56 GMT -5
Posts: 307
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Post by poohbiscit1 on Jan 7, 2011 7:46:01 GMT -5
Vent: Frustrated. I did a balance trannsfer in the fall of 2009 prior to signing up for WIR and just found out today the the promotional rate expired as of 1/1/11. Now instead of having a $4000 portion of CC#2 and 1.99% it has jumped up to 14.99%. so now I have $6500 at this rate and the remaining at 2.99% (which luckily does not expire). Just when I thought I was going to make more progress in 2011 this happens, so now most of my payment will go to interest. Approximated $40 of the $140 min payment was interest. My fear is that next month my min payment will go up (I hope not as that will seriously dent my snowball to CC#1) or I will just be paying more in interest. On another note the person that handles my benefits in HR is really a complete moron. During our open enrollment period I dropped my dental insurance down from a family plan to an individual +1 since my DS doesn't really need the coverage yet as he is only 19 mos. (also found out my DH can get free dental but not until 3 weeks after my forms were due so he is still covered as his company still allowed him to sign up and we can use it for whatever the 1st insurance does not cover). Well I got paid today and I checked my stub to make sure everything came out correctly and wouldn't you know I was charged the family plan. I am still waiting to see what this lady states it may be beacuse this pay period ties into two years, since we get paid every other week, which is what I am hoping. Feels like 2011 may be a repeat of 2010. The only bright side I have right now is knowing that the car loan will be gone in late summer/early fall (not sure of the exact details)
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munjoyhill
Junior Member
Joined: Dec 23, 2010 9:06:30 GMT -5
Posts: 181
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Post by munjoyhill on Jan 7, 2011 8:08:38 GMT -5
GirlGreen - I would throw any extra payments at your student loan, it has the lowest balance and highest interest rate.
Poohbiscit - I would call your CC company and ask (insist?) if they would lower the 14.99% interest rate, either back to the promotional rate or to something less than 14.99%. And ask what your monthly payment is too. Knowledge is power.
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coffeegirl
New Member
Joined: Dec 21, 2010 11:00:40 GMT -5
Posts: 23
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Post by coffeegirl on Jan 7, 2011 8:51:10 GMT -5
IMPORTANT Hi there everyone! I wanted to answer a few questions about the board closings for you all: 1. We are moving to notmsnmoney.proboards.com/index.cgi?board=wir2. There are temporary threads set up now for each region. By the end of January (hopefully by the end of next week) we will have permanent proboard regional threads. We haven't set them all the way up yet because we are still learning how things work there and how we have to adapt our practices. 3. Please stop posting on MSN now - while the boards aren't currently scheduled to close until 1/14, it makes it harder for the volunteers to do their jobs. 4. Taglines will stay the same for the time being. I am working on revised codes for the proboards sites and will let you all know of changes when we open the permanent threads. 5. New members should add a "PT" for their page number until further notice: WPT, IPT, MPT, NPT, SPT 6. Smiley faces will be back as soon as possible - we are looking at different options for how to best bring them back - best for you and best for the volunteers! 7. While the urgency is over, I am still collecting email addresses so that I can reach members as needed - you can email me at cgwirr at gmail dot com. 8. Please either use your MSN nic on proboards, or tell us who you used to be - otherwise we won't know it's you! Thanks for your patience! ~CG
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justpayit
New Member
Joined: Jan 7, 2011 8:48:59 GMT -5
Posts: 20
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Post by justpayit on Jan 7, 2011 8:55:48 GMT -5
Happy new year. Just registered and am posting my current total. justpayit: 1/7/2011 $31245 (11/22/2007 $91585 N791,NE329) More than 60K paid off to date!
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IrishMaude
New Member
Joined: Dec 28, 2010 9:45:22 GMT -5
Posts: 30
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Post by IrishMaude on Jan 7, 2011 12:25:04 GMT -5
red: Thanks for the reply. Regarding the FHA loan, we are approved for that type of loan and were trying to put it to good use! We have savings (enough for the DP and CC) so that's not an issue; the issue lays with the cost of homes and the areas around us that are actually FHA approved...yea, garbage. I'm sorry, if we're going to pay a mortgage for a place we're going to live for a minimum of the next 5 years, it need not to be in the freakin' ghetto. We already tried the "up-and-coming" neighborhood and 3 days a week our car was being broken into and I slept with a loaded gun under my bed. No-go.
I guess we're just going to keep on trucking and looking and ignoring all the "but you're low-income" comments. We aren't low income; in fact, we're normal, just not millionaires.
For now, we'll concentrate on paying off whatever we have going on and wait for the right home.
Thanks again.
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Jan 7, 2011 13:50:41 GMT -5
OK... just testing, first, if I can figure this out! | 1/6/2009 | 1/1/2010 | 12/1/2010 | 1/3/2011 | Car | 5,027.43 | 0.00 | 0.00 | 0.00 | Disney | 11,667.01 | 10,062.75 | 8,567.59 | 8,458.55 | Chase | 5,695.13 | 5,120.95 | 4,345.30 | 4,287.72 | Discover | 5,699.99 | 6,023.48 | 7,445.67 | 7,398.71 | Sears | 585.00 | 564.81 | 0.00 | 0.00 | Goodyear | 1,332.69 | 2,228.71 | 1519.76 | 1499.91 | Prepgate | 40,716.67 | 40,380.98 | 39,974.38 | 39,971.01 | CFS | 7,079.39 | 6,691.91 | 6,277.06 | 6,252.99 | Taxman | | | 229.00 | 0.00 | Mortgage | 153,320.00 | 154,859.03 | 152,534.08 | 152,285.75 |
[/td][td] [/td][td] [/td][/tr] [tr][td] BA_Visa [/td][td] 29,056.39 [/td][td] 29,056.39 [/td][td] 29,056.39 [/td][td] 29,056.39 [/td][/tr] [tr][td] AmExBlu [/td][td] 32,489.18 [/td][td] 32,489.18 [/td][td] 6,559.28 [/td][td] 6,122.01 [/td][/tr] [/td][td] [/td][td] [/td][td] [/td][/tr] [tr][td] Total [/td][td] 292,668.88 [/td][td] 287,478.19 [/td][td] 256,508.51 [/td][td] 255,333.04 [/td][/tr] [tr][td] 2011 Goal [/td][td] $12,500 [/td][td] [/td][td] [/td][td] [/td][/tr] [/table] lark_1964 1/3/2011 255,333.04 (1/6/09 $270674.42 NE417) By George I think she's got it! The Rain in Spain Stays Mainly on the Plain! So... and by my very confused, but not inaccurate recollection - I had said I'd drop by $10k, and I actually dropped by a little more than that, and so - voila! here 'tis! The settlement with American Express kinda confuses the totals, for newbies, trust me, it's about 10,500 for the year. OK. My prediction for 2011, I will reduce my debt by $12,500, this is my goal! In fact, I think I should make that part of the table... if I can figure out how...
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,649
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Post by nidena on Jan 7, 2011 14:13:58 GMT -5
Lark: you can just add another row for "amount reduced".
So, I was hoping to be able to have my last CC and remaining consumer debt paid off by birthday #35. Unfortunately, I live in the world (don't we all) and numerous expensive expenses have come up that I get to budget for. This month is getting my cat fixed and front-declawed. Next month, is trimming the huge tree in the front yard because it's, literally, growing around some power lines and one large branch that hangs across the road is causing the whole tree to list that way. It wouldn't be so bad except, if the tree falls across the road, the roots will take my living room from the bottom up. Not good. Just Jan and Feb will cost me $1500 so I need to rethink my goal. Since my birthday is no longer a good date for debt pay off (May is just too short a time away), I will go with second best. Consumer debt free by Jan 2012.
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Jan 7, 2011 14:28:31 GMT -5
OK, now, a trick to the tables, it's all a matter of understanding what you want, how many columns, etc.
All html is a [] begin trend, [/] end trend. This is very simplified, there are no graphics for us to use, we got spoiled by the MSN boards allowing us to paste in table graphics from excel. Then again, Microsoft owns Excel.
What we have then is
table = begins tr = table row td = table delimiter /td = table delimiter ends /tr = table row ends /table = ends
So - I took my excel spreadsheet, copied it to word, converted table to text, use spaces as the delimiters, this put one space in between each debtor or number.
Then I set the table begin code.
Next I replaced all spaces in my word doc with [/td][td]. This set all the tabs.
I added at the beginning of each row [tr][td] and at the end of each row [/td][/tr].
And at the end I added the table end code.
I previewed, added a couple of tabs I'd missed, deleted one, and... I had a table!
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mom2-4monkeys
Junior Member
Joined: Dec 20, 2010 16:20:26 GMT -5
Posts: 144
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Post by mom2-4monkeys on Jan 7, 2011 15:06:01 GMT -5
Lark You can continue to use excel, just put the [tr][td], etc. in a separate colum and copy and paste all the way down. that way it is easier to input your future info. Then you can just copy and paste it into the message here.
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mom2-4monkeys
Junior Member
Joined: Dec 20, 2010 16:20:26 GMT -5
Posts: 144
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Post by mom2-4monkeys on Jan 7, 2011 15:13:30 GMT -5
If anyone wants.. attached is my excel spread sheet anyone can use. It will end up looking like the table i posted on page 3. feel free to ask any questions, i will try to help.
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Jan 7, 2011 16:48:34 GMT -5
LarkYou can continue to use excel, just put the [tr][td], etc. in a separate colum and copy and paste all the way down. that way it is easier to input your future info. Then you can just copy and paste it into the message here. KEWL!! I like it!! Easier than bouncing things around from my excel!
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Jan 7, 2011 16:49:30 GMT -5
btw, I still would like to win the lottery and can I tell someone I'm from Idaho so I get the other half of the $355 million?
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thriftymom
Initiate Member
Joined: Dec 22, 2010 21:52:19 GMT -5
Posts: 74
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Post by thriftymom on Jan 7, 2011 18:45:16 GMT -5
FYI, at work we use ADP for our payroll, and they sent our Controller this notice: On Friday, December 17th, 2010, the President signed the Tax Relief Unemployment Insurance Reauthorization and Job Creation Act Of 2010 into law. This legislation: § Extends the 2010 Federal Income Tax (FIT) withholding rates (known as the “Bush Tax Cuts”), for all income levels through 2012. Without this legislation FIT withholding would have increased substantially on January 1, 2011. § Reduces the employee Social Security tax rate for wages paid in 2011 from 6.2% to 4.2%; the employer rate remains at 6.2%
That means an extra 2% of my paycheck (and yours, too) will be going into my bank account, instead of into SS. Since I'm not depending on SS being there when I retire (I'll be 35 in April), I'm planning to allocate this small windfall to the Roth IRAs DH and I will be setting up this year. Still waiting until that first paycheck of 2011 on Tuesday to figure out exactly what my new take-home is, and then I'll get to setting up the Roths and making payments toward my racing debts.
How will you spend or save your 2%?
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meltingdebt
Initiate Member
Joined: Jan 2, 2011 14:27:17 GMT -5
Posts: 90
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Post by meltingdebt on Jan 7, 2011 21:04:11 GMT -5
Here are my last two updates:
Update meltingdebt: 1/2/11 $19999.03(1/1/10 $30,844.93 NEU 18) Update meltingdebt: 11/27/10 $20,338.37(1/1/10 $30,844.93 NEU 18)
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Jan 7, 2011 21:45:32 GMT -5
thriftymom - I'm putting half into my emergency fund and half into my snowball!
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,649
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Post by nidena on Jan 8, 2011 0:09:30 GMT -5
Wait a minute!! 2% of my paycheck will be going into thriftymom's bank acount?!? Ack! Can't do it! Wait...but that's what she just said..."That means an extra 2% of my paycheck (and yours, too) will be going into my bank account, instead of into SS."
lol. I hope you all got a chuckle out of my silliness.
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Post by sparalach on Jan 8, 2011 10:02:02 GMT -5
Update: sparalach 1/8/11 $16,258 12/7/10 $15,929 I think I miscalculated my amount in Nov/Dec. Why does December always costs more than I plan for, more food, heat, gifts, travel costs...sheesh. Makes a girl want to hibernate in January. Also, the horse got a some fancy shoes to the tune of $220 to boot (no pun intended). My shoes cost 1/10th of that when I infrequently buy them at "Paynotsomuch" shoes. Anyway, I'm here and back on track...I hope. I need a little time to figure out the spread sheet for posts. Thanks for the download share. Have a nice weekend everyone.
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redwagon
Senior Member
Joined: Dec 18, 2010 14:16:11 GMT -5
Posts: 2,642
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Post by redwagon on Jan 8, 2011 13:17:21 GMT -5
I think blue_wagon is starting to get it. He suggested we don't order food in for the rest of January. I guess I should plan tonight's dinner then...
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meltingdebt
Initiate Member
Joined: Jan 2, 2011 14:27:17 GMT -5
Posts: 90
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Post by meltingdebt on Jan 8, 2011 13:53:15 GMT -5
DEBT | Original Balance 01/01/10 | Current Balance | Change | Cable | $136.84 | $0.00 | 136.84 | Cell phone | $367.54 | $0.00 | 367.54 | Clothing Store | $512.46 | $0.00 | 512.46 | CC #1 | $742.37 | $0.00 | 742.37 | CC #2 | $1,168.00 | $1,449.61 | (281.61) | CC #3 | $9,499.62 | $7,546.23 | 1,953.39 | BCC #1 | $4,818.91 | $0.00 | 4,818.91 | BCC #2 | $13,599.19 | $11,003.19 | 2,596.00 | Total | $30,844.93 | $19,999.03 | 10,845.90 |
Account | Original balance 01/01/10 | Current Balance | Change | Savings | $0.00 | $130.00 | $130.00 | Emergency | $0.00 | $550.84 | $550.84 | Vacation | $0.00 | $653.08 | $653.08 | IRA | $0.00 | $1,955.32 | $1,955.32 | Total | $0.00 | $3,289.24 | $3,289.24 |
HOT DOG!!! I got it. I think I may have just burned something like 500 calories because I was sweating so much figuring out this beast.
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thriftymom
Initiate Member
Joined: Dec 22, 2010 21:52:19 GMT -5
Posts: 74
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Post by thriftymom on Jan 8, 2011 15:53:21 GMT -5
LOL, nidena, if only that were the case! But sadly (for me), everyone's 2% will be going into his or her own bank account.
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