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Forum: Frugality & Finances   03-20-2013, 11:35 PM
Replies: 117
Views: 7,245
Posted By ItsBasilThyme
Quote:Originally Posted by...

Quote:Originally Posted by erigeron http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/t/1375443/high-income-high-debt-thread/60#post_17305698)

This,...
Forum: Frugality & Finances   03-06-2013, 10:33 PM
Replies: 117
Views: 7,245
Posted By ItsBasilThyme
I agree that not inflating your lifestyle is...

I agree that not inflating your lifestyle is really the key. We live in a very HCOL area, so even though our mortgage is large, we have a 980 sq ft home that hasn't been remodeled since it was built...
Forum: Frugality & Finances   03-03-2013, 10:11 AM
Replies: 117
Views: 7,245
Posted By ItsBasilThyme
We have a very similar financial situation. We...

We have a very similar financial situation. We live in a high cost of living area and have about 500k in mortgage debt and just under 100k in student loan debt. No credit card or car loan debt. It's...
Forum: California, Nevada   12-01-2012, 09:53 AM
Replies: 24
Views: 709
Posted By ItsBasilThyme
If you're looking at 1mil+ properties, mountain...

If you're looking at 1mil+ properties, mountain view is really nice. Cupertino supposedly has really good schools if that is something you're looking for, but the train doesn't go out there (if he...
Forum: California, Nevada   11-28-2012, 10:22 PM
Replies: 24
Views: 709
Posted By ItsBasilThyme
What area will you be working in and what price...

What area will you be working in and what price range?
Forum: Frugality & Finances   09-28-2012, 08:43 PM
Replies: 11
Views: 444
Posted By ItsBasilThyme
We live in a HCOL area (sf peninsula) and stayed...

We live in a HCOL area (sf peninsula) and stayed with the 2.5x annual income rule. It was hard because a lot of our friends out here were telling us that no one stuck to that rule here - everyone...
Forum: Frugality & Finances   09-30-2011, 09:52 PM
Replies: 12
Views: 1,717
Posted By ItsBasilThyme
In my old neighborhood, we used to get tons of...

In my old neighborhood, we used to get tons of hand-delivered stuff from the local realtors. Mostly they just left notes/stopped in to ask if you were thinking of selling/blah blah blah. The best...
Forum: Frugality & Finances   09-20-2011, 09:12 PM
Replies: 59
Views: 1,997
Posted By ItsBasilThyme
I had figured more like $10,000 take home pay,...

I had figured more like $10,000 take home pay, after insurances and maxing out retirement contributions. Thats absolutely plenty to pay a 33% gross mortgage payment ($6500). I just often hear people...
Forum: Frugality & Finances   09-20-2011, 08:06 PM
Replies: 59
Views: 1,997
Posted By ItsBasilThyme
Quote:Originally Posted by...

Quote:Originally Posted by Ramzubo http://www.mothering.com/img/forum/go_quote.gif (http://www.mothering.com/community/t/1330173/does-anyone-actually-live-within-the-33-housing-rule#post_16663671)
...
Forum: Frugality & Finances   08-09-2011, 11:02 PM
Replies: 26
Views: 1,753
Posted By ItsBasilThyme
It really depends on how much you're planning to...

It really depends on how much you're planning to reduce your 401k payments, I think. Most people recommend a minimum of 10% each. If you're talking about reducing contributions to 3-4%, that's...
Forum: Frugality & Finances   04-16-2011, 08:09 PM
Replies: 124
Views: 58,712
Posted By ItsBasilThyme
    Quote:  ...has me confused.  My...


 
Quote: 


...has me confused.  My town's stats are:
 
COL index:  118.2 (lower than the above examples)
 
Median household income:  $148K (higher than above examples)
Forum: Frugality & Finances   03-10-2011, 10:21 AM
Replies: 22
Views: 1,042
Posted By ItsBasilThyme
I think Sunnyvale area is a great choice!!! It's...

I think Sunnyvale area is a great choice!!! It's WAY more affordable, and you probably won't have as big of an income shock there. Sunnyvale/mountainview has lots of young families just starting out...
Forum: Frugality & Finances   03-09-2011, 07:55 PM
Replies: 22
Views: 1,042
Posted By ItsBasilThyme
    Quote:  More about...


 
Quote: 


More about plans/finances: Our tentative plan would be to rent a 1/1 near DP's job.  (We would get a storage space.)  This should be similar to our current housing costs.  After a...
Forum: Frugality & Finances   03-07-2011, 12:18 PM
Replies: 22
Views: 1,042
Posted By ItsBasilThyme
I just moved from an average COL area to the SF...

I just moved from an average COL area to the SF peninsula, so I remembe how hard that decision is. I think our income percentage increase was similar - around 20%.

First a few little things when...
Forum: Frugality & Finances   03-01-2011, 10:06 PM
Replies: 124
Views: 58,712
Posted By ItsBasilThyme
We live in an expensive area - the COL index is...

We live in an expensive area - the COL index is 160 - 170, depending on which zip code you put in. If "good" is defined as owning a small home, 1 - 2 cars, and maybe saving a bit of money each...
Forum: Frugality & Finances   03-01-2011, 01:51 PM
Replies: 18
Views: 880
Posted By ItsBasilThyme
I kinda get where you're coming from. DH hates...

I kinda get where you're coming from. DH hates having to think about small expenses, and has that mindset that once you make a certain income, you should stop sweating the small stuff. I've just had...
Forum: Frugality & Finances   01-07-2011, 09:35 PM
Replies: 11
Views: 1,042
Posted By ItsBasilThyme
Yeah - when my account goes over a certain...

Yeah - when my account goes over a certain amount, I always get asked about CDs. It's kinda nice because I like putting extra in CDs and usually forget otherwise.
Forum: Single Parenting   01-01-2011, 07:08 PM
Replies: 85
Views: 9,543
Posted By ItsBasilThyme
I just wanted to chime in as one more voice to...

I just wanted to chime in as one more voice to say Go To The ER Right Now. If you're not there already, of course.
 
This does not sound normal or healthy and their explanations DEFINITELY do not...
Forum: Frugality & Finances   03-10-2010, 03:42 PM
Replies: 22
Views: 1,287
Posted By ItsBasilThyme
Sorry to post and disappear, everyone! Thank you...

Sorry to post and disappear, everyone! Thank you all so much for the advice. It sounds like Savings wins by a landslide. After reading all of your thoughtful responses, I think I agree. These aren't...
Forum: Frugality & Finances   02-27-2010, 01:04 PM
Replies: 22
Views: 1,287
Posted By ItsBasilThyme
So, my dh was laid off (very unexpectedly!) last...

So, my dh was laid off (very unexpectedly!) last week. Thankfully, we live in a much smaller house than we could have afforded, and my job can pay our basic bills and living expenses, although our...
Forum: Frugality & Finances   07-22-2009, 05:14 PM
Replies: 30
Views: 1,392
Posted By ItsBasilThyme
It depends a lot on your area, if they're...

It depends a lot on your area, if they're licensed/insured or just making some extra money, and if they use their own cleaning supplies, in my experience. We actually pay about $40 per hour (2 hours...
Forum: Pets   06-14-2009, 10:16 PM
Replies: 1
Views: 253
Posted By ItsBasilThyme
I just noticed a rash (looks like pimples) on...

I just noticed a rash (looks like pimples) on the stomach of my 6 month old puppy. I know her breed (golden retriever) has issues with skin allergies, so I'm assuming its an allergic reaction to...
Forum: Frugality & Finances   06-02-2009, 12:46 PM
Replies: 16
Views: 439
Posted By ItsBasilThyme
I would say stick with the education program. I...

I would say stick with the education program. I worked for a very well known/respected animation school about 5 years ago - back then, it was almost impossible for the grads to get jobs. I'm sure...
Forum: Frugality & Finances   05-18-2009, 07:40 PM
Replies: 17
Views: 685
Posted By ItsBasilThyme
thanks for putting this into perspective for me,...

thanks for putting this into perspective for me, everyone. I probably should just let this one go. I do think ill try one of the wetjet alternatives; that's the one that drives me the most crazy....
Forum: Frugality & Finances   05-17-2009, 04:43 PM
Replies: 17
Views: 685
Posted By ItsBasilThyme
My DH and I split up chores pretty much 50/50....

My DH and I split up chores pretty much 50/50. Maybe I should just be happy that he takes equal responsibility for the cleaning, but the way he does it drives me crazy.

He insists on using...
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