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I am a SAHM and DH is self-employed. We have been on Baby Step #2 for 19 months. I believe that Maurice talks about retirement should only be stopped for 18 months. Is that right? Or was it 18-24 months? I can wait another 6 months to start, but I’m not sure we will be … Continue reading "We are 38 and 42"

try to do as much as we can with fundraisers so we do put about $200 a yr aside for that for our son and his school. We do not do all of them since they have so many every year. We did stop soccer for the fall and will start up again in the … Continue reading "My wife and I"

Examples that we have/ had come up lately. Scout fundraiser, we buy 1 item from each kid roughly 16$ x 2 kids = 32$ (then they sell to the neighbors, friends, etc) School fundraiser, we let them pick 1 item each so they can attend the magic show, 15$ x 2 = 30$ (this year … Continue reading "How do you budget for the odd ball expenses?"

Every time I read that you aren’t current on the taxes and licenses, I worry about you. I know from reading your posts and your sig line that you have little ones, and I just don’t want anything bad to happen to you, especially while you have them in the car with you.

the min payment it $15 or higher, more than the 3 or 4 % of the balance. so if you have 4 cards with $100 balance on it, the min payment will be at least $15 (15% payment) that is a min payment of $60 where as one card with $400 balance will have a … Continue reading "If you have a cards with a $500 or less"

where her’s is on like 10 cc’s/accounts. so her monthly minimal payment will be more than yours. that is what makes it so much harder. but she is not in as bad shape as she thinks she is in. slow, yes, it will be a slow process, but because she has some debts with small … Continue reading "The biggest difference though s you debt is on one cc"

Have you seriously considered the following? At what age do you begin seriously planning for retirement? At what age do you begin to seriously think about your health in retirement? What if your health deteriorates, what provisions do you have for your care as you get older? I think some people tend to only consider … Continue reading "OK, just play along with my questions.."

Why do you feel guilty? Maybe because you know that you are only counting that match into your retirement to justify getting that sunroom a month or so sooner due to the extra you’ll have to throw at that budget item. That you are shortcutting your future finances by taking that extra 3% today for … Continue reading "If you’re following Maurice’s plan, you save 15%"