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Forum: Frugality & Finances   02-11-2009, 06:26 PM
Replies: 32
Views: 724
Posted By msjd123
I teach a middle school personal finance class,...

I teach a middle school personal finance class, and let me tell you, by 7th grade (my students' grade level), my students already have most of their basic opinions and attitudes SET. It was very...
Forum: Frugality & Finances   02-06-2009, 06:43 PM
Replies: 89
Views: 2,958
Posted By msjd123
Quote: Originally Posted by magstphil...

Quote:
Originally Posted by magstphil http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/13142532)
Are you kidding me???!!!! We are paying...
Forum: Frugality & Finances   01-28-2009, 09:09 PM
Replies: 4
Views: 421
Posted By msjd123
Quote: Originally Posted by Emmeline II...

Quote:
Originally Posted by Emmeline II http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/13085639)
You're treating the $13,000 and the $8500...
Forum: Frugality & Finances   01-28-2009, 07:22 PM
Replies: 4
Views: 421
Posted By msjd123
We usually get back about $2,000 from the...

We usually get back about $2,000 from the federal government, and we break even with the state.

This year, we owe $1550 to the feds and $920 to the state....
Forum: Frugality & Finances   01-21-2009, 05:35 PM
Replies: 12
Views: 476
Posted By msjd123
Quote: Originally Posted by Mama2CarolineLydia...

Quote:
Originally Posted by Mama2CarolineLydia http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/13038014)
So it's okay to talk to the...
Forum: Frugality & Finances   01-20-2009, 08:05 PM
Replies: 4
Views: 193
Posted By msjd123
Quote: Originally Posted by hopefulfaith...

Quote:
Originally Posted by hopefulfaith http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/13026302)
What do you mean when you say Wells...
Forum: Frugality & Finances   01-19-2009, 09:37 PM
Replies: 4
Views: 193
Posted By msjd123
We're refinancing right now with a Wells Fargo...

We're refinancing right now with a Wells Fargo affiliate, and we got 4.875% for 30 years with no points. The fees were low, and so far, it's been really smooth sailing. We close next week....
Forum: Frugality & Finances   01-19-2009, 08:35 PM
Replies: 99
Views: 2,940
Posted By msjd123
Quote: Originally Posted by llamalluv...

Quote:
Originally Posted by llamalluv http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/13022359)
I would file now just to get at the front...
Forum: Frugality & Finances   01-19-2009, 03:11 PM
Replies: 99
Views: 2,940
Posted By msjd123
We haven't gotten any 2008 papers yet, but our...

We haven't gotten any 2008 papers yet, but our state is broke, and there was just an article in the paper yesterday that all state tax refunds will be suspended indefinitely until CA in back in the...
Forum: Frugality & Finances   01-19-2009, 02:18 PM
Replies: 26
Views: 603
Posted By msjd123
Seasons is correct, but we made a similar...

Seasons is correct, but we made a similar decision to refinance, and I have no regrets. We ended up deciding that, yes, we're increasing the amount we're paying back over the life of the loan, but...
Forum: Frugality & Finances   01-19-2009, 02:13 PM
Replies: 6
Views: 403
Posted By msjd123
Try this calculator:...

Try this calculator: http://www.bankrate.com/brm/calc/savecalc.asp

As for the best way, well, that depends on what the money is for. Unless you're saving for a goal that's more than 10 years...
Forum: Frugality & Finances   01-15-2009, 02:58 AM
Replies: 84
Views: 3,041
Posted By msjd123
Wow, that will definitely be a challenge -- very...

Wow, that will definitely be a challenge -- very impressive!

A&A, the Netflix vs. books decision would obviously be a matter of simple personal preference, but I'd opt for Netflix over purchasing...
Forum: Frugality & Finances   01-11-2009, 07:37 PM
Replies: 8
Views: 562
Posted By msjd123
YES! We've had two foreclosures in our...

YES! We've had two foreclosures in our neighborhood and one short sale. We've also had one "regular" sale of an average house, and one regular sale of a beautifully remodeled, upscale home. When we...
Forum: Frugality & Finances   01-08-2009, 03:39 PM
Replies: 27
Views: 587
Posted By msjd123
If it's at least a double or a queen, you could...

If it's at least a double or a queen, you could also cut it down to make twin-sized sheets for your child's bed.
Forum: Frugality & Finances   01-04-2009, 01:58 PM
Replies: 7
Views: 353
Posted By msjd123
And this is why I come here with questions -- I...

And this is why I come here with questions -- I hadn't thought of it from those angles. http://www.mothering.com/discussions/images/smilies/redface.gif We are in the process of building a sizable...
Forum: Frugality & Finances   01-03-2009, 12:38 AM
Replies: 7
Views: 353
Posted By msjd123
We're in the process of refinancing our primary...

We're in the process of refinancing our primary mortgage and our HELOC. (We're going to save $400 a month -- I'm http://www.mothering.com/img/vbsmilies/smilies/joy.gif: !!!) The HELOC is still in a...
Forum: Frugality & Finances   10-10-2008, 04:51 PM
Replies: 47
Views: 1,646
Posted By msjd123
I agree with the assertion that many equities...

I agree with the assertion that many equities are now undervalued. The NY Times is saying that some stocks and funds are as cheap now as they were in or around 1985, so since we are still 30 years...
Forum: Frugality & Finances   10-07-2008, 12:46 AM
Replies: 99
Views: 4,154
Posted By msjd123
I read this article about the balance between...

I read this article about the balance between tithing and meeting your own needs not too long ago, and the discussion that followed (in the comments) was very interesting as well:...
Forum: Frugality & Finances   09-28-2008, 11:36 PM
Replies: 3
Views: 275
Posted By msjd123
Excellent idea....

Excellent idea. http://www.mothering.com/discussions/images/smilies/thumb.gif

We've been saving our points to put toward a dishwasher, but I think I'll just go ahead and cash my points in for...
Forum: Frugality & Finances   09-24-2008, 11:31 PM
Replies: 16
Views: 332
Posted By msjd123
No one has mentioned Costco, and I think they...

No one has mentioned Costco, and I think they have the best price by far: $10.99 for a 2 lb bag. http://www.mothering.com/img/vbsmilies/smilies/joy.gif:
Forum: Frugality & Finances   09-24-2008, 11:28 PM
Replies: 8
Views: 486
Posted By msjd123
Quote: Originally Posted by Caneel...

Quote:
Originally Posted by Caneel http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/12248612)
It depends on whether the fireplace is...
Forum: Frugality & Finances   09-24-2008, 11:24 PM
Replies: 33
Views: 1,762
Posted By msjd123
Quote: Originally Posted by mar123...

Quote:
Originally Posted by mar123 http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/12251036)
I teach in a public school in LA. I pay 20% in...
Forum: Frugality & Finances   09-22-2008, 10:46 PM
Replies: 1
Views: 279
Posted By msjd123
Have you guys seen this?...

Have you guys seen this? http://www.controlyourcredit.gov/

It's awesome! http://www.mothering.com/discussions/images/smilies/lol.gif

I read it about it here:...
Forum: Frugality & Finances   09-21-2008, 12:07 AM
Replies: 112
Views: 4,653
Posted By msjd123
Quote: Originally Posted by Anglyn...

Quote:
Originally Posted by Anglyn http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/forum/post/12223542)
Yep,I do. And nurturing a childs individual...
Forum: Frugality & Finances   09-18-2008, 08:13 PM
Replies: 22
Views: 601
Posted By msjd123
Well, the whole reason I'm curious about this is...

Well, the whole reason I'm curious about this is that DH was the one who suggested I keep it all for myself! I thought that was very sweet...
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