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Forum: Frugality & Finances   04-21-2014, 04:28 PM
Replies: 16
Views: 914
Posted By ariahsmum
In COMPLETE agreement that there is some other...

In COMPLETE agreement that there is some other issue.  We do have a financial advisor and are in the midst (for the last year) of sorting things out with our debts/budget/priorities and goals.  I...
Forum: Frugality & Finances   04-20-2014, 04:26 PM
Replies: 16
Views: 914
Posted By ariahsmum
Thank you all for your thoughtful initial...

Thank you all for your thoughtful initial responses. This question is clearly loaded- on many levels. There are so many questions I have about financial planning, etc, and only some of those are...
Forum: Frugality & Finances   04-19-2014, 05:02 PM
Replies: 16
Views: 914
Posted By ariahsmum
Dh and I have been married 20 years and always...

Dh and I have been married 20 years and always shared money and accounts fully (except to say we each get discretionary money each month as a budget category).  I am a SAHM and homeschooling mother,...
Forum: Frugality & Finances   04-01-2014, 04:12 PM
Replies: 8
Views: 399
Posted By ariahsmum
No no and no!  Never cash in retirement (you'll...

No no and no!  Never cash in retirement (you'll also have to pay taxes which will be more expensive than the debt interest rate, likely) for debt.  Cut down expenses or get an extra job.  
Forum: Women's Health   01-26-2014, 01:03 PM
Replies: 2
Views: 164
Posted By ariahsmum
I have late stage lyme, finally diagnosed after...

I have late stage lyme, finally diagnosed after years of tests and not knowing.  What a full time job and energy/financial drain this has become.  I have 2 kiddos, one birth one adopted, and am...
Forum: Frugality & Finances   01-26-2014, 11:44 AM
Replies: 10
Views: 292
Posted By ariahsmum
Carson, I think the 25x is an amount that allows...

Carson, I think the 25x is an amount that allows the principal to be invested and the interest to be the amount you live on.  In my case, if DH died, I would lose the pension and projected SS as...
Forum: Frugality & Finances   01-26-2014, 10:42 AM
Replies: 10
Views: 292
Posted By ariahsmum
Is anyone here versed in life Insurance?  I...

Is anyone here versed in life Insurance?  I could use input or understanding.
 
DH is a public school teacher making about 50K annually gross.  We are supplemented by "gift" money that could go...
Forum: Africa   02-21-2013, 01:01 PM
Replies: 7
  Rwanda?
Views: 345
Posted By ariahsmum
I have no idea why I thought stress of third...

I have no idea why I thought stress of third world government processes would be limited to adoption, but it turns out it also applies to immigration.  DUH!
 
I've made some preliminary inquiries...
Forum: Frugality & Finances   02-12-2013, 08:28 PM
Replies: 25
Views: 1,030
Posted By ariahsmum
I totally understand how some of you get a big...

I totally understand how some of you get a big refund and can't avoid it.  I suppose I will change my w/holding again this year to see if we can avoid a return and utilize the funds better during...
Forum: Frugality & Finances   02-07-2013, 10:58 AM
Replies: 25
Views: 1,030
Posted By ariahsmum
Our family does not qualify for EIC.     All...

Our family does not qualify for EIC.  
 
All I have to do is stop thinking/dreaming about all the ways I could spend it (clothes for dd, trip to Boston or NYC, night away with DH, travel fund for...
Forum: Frugality & Finances   02-07-2013, 07:24 AM
Replies: 25
Views: 1,030
Posted By ariahsmum
I know interest is so very low that the amount...

I know interest is so very low that the amount will be small on 3K.  However, I do have a lot of debt at higher rates and would have loved to have paid that down rather than get a lump sum at return...
Forum: Frugality & Finances   02-07-2013, 06:12 AM
Replies: 25
Views: 1,030
Posted By ariahsmum
So after trying to adjust our exemptions...

So after trying to adjust our exemptions correctly so we would come out even at tax time, I actually have a substantial return (3K).  I know this is not ideal, as I could have made interest on it...
Forum: Babywearing   02-06-2013, 06:12 AM
Replies: 4
Views: 373
Posted By ariahsmum
I am 5'8" 140lbs and it was the right size or a...

I am 5'8" 140lbs and it was the right size or a bit long for me.  Do you know what size Ellaroo suggests for your measurements?  I'll measure again, I think it is 166 inches, but will confirm.
Forum: Babywearing   02-04-2013, 12:04 PM
Replies: 4
Views: 373
Posted By ariahsmum
Sorry for the delayed response.  The wrap washed...

Sorry for the delayed response.  The wrap washed and dried is now roughly 4.2 M (or 166 inches) in length and 26 inches wide.  Ellaroo product info says a size Medium is 4.6 M, perhaps it shrank a...
Forum: Diapers & Diapering Supplies   01-27-2013, 10:50 AM
Replies: 0
Views: 223
Posted By ariahsmum
All items listed were purchased new.  We have a...

All items listed were purchased new.  We have a non-smoking and fragrance-free home, and the diapers have never been bleached, only washed in Charlie’s Soap.
 
Add $5 for shipping on a small...
Forum: Babywearing   01-27-2013, 08:27 AM
Replies: 4
Views: 373
Posted By ariahsmum
EllaRoo Wrap, only ever very gently used, great...

EllaRoo Wrap, only ever very gently used, great for newborn thru toddler, front or back carries.
 
$45, was $85 new, plus $5 shipping.
Forum: Diapers & Diapering Supplies   01-27-2013, 08:16 AM
Replies: 0
Views: 139
Posted By ariahsmum
I have 5 pairs of very gently used baby legs for...

I have 5 pairs of very gently used baby legs for sale. All elastic is intact.  Asking $25 for the bunch plus $5 shipping. Originally $12 each.
 
one pair (green and maroon stripes) has a small...
Forum: Children's Clothing   01-27-2013, 08:06 AM
Replies: 0
Views: 208
Posted By ariahsmum
I have 5 pairs of very gently used baby legs for...

I have 5 pairs of very gently used baby legs for sale. All elastic is intact.  Asking $25 for the bunch plus $5 shipping. Originally $12 each.
 
one pair (green and maroon stripes) has a small...
Forum: Children's Clothing   01-27-2013, 08:02 AM
Replies: 0
Views: 177
Posted By ariahsmum
I have 5 pairs of very gently used baby legs for...

I have 5 pairs of very gently used baby legs for sale. All elastic is intact  Asking $25 for the bunch plus $5 shipping. Originally $12 each.
 
one pair (green and maroon stripes) has a small...
Forum: Africa   01-25-2013, 05:38 PM
Replies: 7
  Rwanda?
Views: 345
Posted By ariahsmum
Ooooo... Not in Rwanda, but sooo hoping to...

Ooooo... Not in Rwanda, but sooo hoping to connect with mamas there.  We are wanting to relocate in 2015 to Kigali.  Where do I go to get info on uprooting life here and moving there?
 
mama- did...
Forum: Frugality & Finances   01-07-2013, 03:05 PM
Replies: 484
Views: 8,495
Posted By ariahsmum
OMG.  I have yet to post a plan in this thread,...

OMG.  I have yet to post a plan in this thread, but am reading each day and thinking about it.  My finances are complicated and I actually for the first time have income to decide how to spend.  We...
Forum: Frugality & Finances   01-04-2013, 04:48 PM
Replies: 484
Views: 8,495
Posted By ariahsmum
Kathirynne,    No worries, I don't feel like...

Kathirynne, 
 
No worries, I don't feel like you gave me the third degree.  Like a pp, in addition to being organic (mostly- with few exceptions) we are also feeding one kiddo GF and casein free,...
Forum: Frugality & Finances   01-04-2013, 04:55 AM
Replies: 484
Views: 8,495
Posted By ariahsmum
YES to a 2013 version.  Groceries and cooking...

YES to a 2013 version.  Groceries and cooking are KILLING me.  We are in VT, a trip to the store is a one hour drive, we eat organic, and the two kiddos are eating every 2 hours so all I do is cook....
Forum: Frugality & Finances   01-03-2013, 04:41 PM
Replies: 28
Views: 1,103
Posted By ariahsmum
Drove 10 miles one way to get 1.5 gallons of raw...

Drove 10 miles one way to get 1.5 gallons of raw milk,  3 lbs stew meat plus a soup bone at a local organic farm.  Spent $35 in product not including the gas!
Forum: Frugality & Finances   01-01-2013, 10:46 AM
Replies: 34
Views: 2,260
Posted By ariahsmum
Jaxy,   What does a pack cost in LA?...

Jaxy,
 
What does a pack cost in LA?  $5/pack?  Wowee that is $35 a week, $150/month or $1820 annually and that is not including health costs.  Yikes!  In this household $150 a month pays for our...
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