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Forum: Frugality & Finances   07-04-2014, 06:27 AM
Replies: 23
Views: 2,987
Posted By SunRise
I am moving from a low cost of living city to a...

I am moving from a low cost of living city to a high cost of living city.

In my low cost city I was making more then average and had bought a fixer upper; I was paying 16% of net income on...
Forum: Frugality & Finances   05-06-2014, 12:55 PM
Replies: 12
Views: 732
Posted By SunRise
You may be right - I just tried again and the...

You may be right - I just tried again and the outcome was more similar to yours. I was probably changing interest rate, amortization and loan period and not having the same numbers when I changed...
Forum: Frugality & Finances   05-04-2014, 09:30 AM
Replies: 12
Views: 732
Posted By SunRise
I put 5% down both times I owned and was happy...

I put 5% down both times I owned and was happy with the decision and outcome.  There are factors to consider such as how long you plan to live there, if you intend to pay off the house eventually or...
Forum: Babywearing   03-21-2014, 01:37 PM
Replies: 3
Views: 273
Posted By SunRise
HI, I do not have the new born insert. I sent...

HI,
I do not have the new born insert. I sent you a pm.
Thanks,
Forum: Frugality & Finances   01-10-2014, 05:53 AM
Replies: 5
Views: 216
Posted By SunRise
Check your bank to see if they have an...

Check your bank to see if they have an investment account; or you can open an ING / Sharebuilder / Capital one account and open a ROTH IRA (having an income is required to open an IRA) and then find...
Forum: Preteens and Teens   12-16-2013, 07:48 AM
Replies: 5
Views: 480
Posted By SunRise
My son is 11... and still likes to be surprised...

My son is 11... and still likes to be surprised w/ toys and gifts but it is harder to find things  ... that age of growing up and out of toys. But any time we are in a store he gravitates towards...
Forum: The Mindful Home   12-14-2013, 06:28 AM
Replies: 17
Views: 1,175
Posted By SunRise
I like using the classifieds section of the...

I like using the classifieds section of the newspaper - (small print & pattern) and tie a red string & bow around it.
Comics work well too.
Brown paper and stamps.
 
But this year I bought...
Forum: The Mindful Home   12-13-2013, 06:16 AM
Replies: 3
Views: 284
Posted By SunRise
I have a three year old and 11 year old. I try...

I have a three year old and 11 year old. I try to keep the rooms comfortable, tidy and for sleeping, but they do have some toys and books in them. When I am upstairs doing things, the three year old...
Forum: Babywearing   12-11-2013, 07:00 AM
Replies: 3
Views: 273
Posted By SunRise
Up for sale, the ever useful and almost best...

Up for sale, the ever useful and almost best carrier, the ERGO.


Original camel / canvas.


Used for travel and hiking.


Head support, padded shoulders and hip, pocket for your passport,...
Forum: Frugality & Finances   10-23-2013, 03:00 PM
Replies: 10
Views: 337
Posted By SunRise
My three year old goes to an at home daycare....

My three year old goes to an at home daycare. The woman is licensed and has been doing this her entire life (and she may be 65+). She has 4 kids (a 6mth old, an 18mth old and two 3 year olds. She...
Forum: Frugality & Finances   10-08-2013, 11:36 AM
Replies: 15
Views: 571
Posted By SunRise
Wouldn't the lowest of the low (Bronze) on the...

Wouldn't the lowest of the low (Bronze) on the health plan exchange work for you?
 
I did give up private health insurance three years ago. (My children remained covered under the state chp...
Forum: Frugality & Finances   10-07-2013, 12:08 PM
Replies: 61
Views: 3,947
Posted By SunRise
Well, maybe do not pull all 100K at once. Plan...

Well, maybe do not pull all 100K at once. Plan to take what you need once a year or twice a year.
Budget your basics and absolutes (mortgage, bills (heat, phone-dsl, water - what ever they are);...
Forum: Frugality & Finances   10-01-2013, 01:55 PM
Replies: 56
Views: 2,354
Posted By SunRise
NY States health care exchange website went up...

NY States health care exchange website went up and then down today because it could not handle the hits (2mil in 2hrs); ha!
Forum: Frugality & Finances   09-21-2013, 05:17 AM
Replies: 20
Views: 884
Posted By SunRise
I use a large rectangular piece of styrofoam...

I use a large rectangular piece of styrofoam (something like that, it is a firm piece of insulation from a hardware store, it is dense) to cover my attic opening. There is a door entrance and stairs...
Forum: Frugality & Finances   08-16-2013, 05:03 AM
Replies: 56
Views: 2,354
Posted By SunRise
Our city has recently posted the insurance...

Our city has recently posted the insurance companies and costs that will appear on the exchange in October.
Im in central NY and I had heard that most states will see an increase in cost, but not...
Forum: Frugality & Finances   08-08-2013, 04:13 PM
Replies: 28
Views: 1,026
Posted By SunRise
"Calculator for math TI-34, TI-30II ($13-$20),...

"Calculator for math
TI-34, TI-30II ($13-$20),
TI-84 (graphing will also be used in high school $100)"
 
When I first read the above, copied from his list, I understood it as I can get the Ti34...
Forum: Frugality & Finances   08-08-2013, 12:29 PM
Replies: 28
Views: 1,026
Posted By SunRise
Of course! I dont think school supplies need to...

Of course! I dont think school supplies need to be new each year. What ever hasnt been used the year before should get used the next year.  My son is entering middle school and that calculator is on...
Forum: Frugality & Finances   05-14-2013, 04:00 AM
Replies: 52
Views: 1,449
Posted By SunRise
Quote:Originally Posted by...

Quote:Originally Posted by orangemomma http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/t/1382742/getting-out-of-debt-may-2013/20#post_17354126)
...
Forum: Frugality & Finances   05-09-2013, 01:26 PM
Replies: 20
Views: 778
Posted By SunRise
Quote:Originally Posted by...

Quote:Originally Posted by honeybee80 http://www.mothering.com/community/img/forum/go_quote.gif (http://www.mothering.com/community/t/1382142/wwyd-housing-advice-needed#post_17350798)

UPDATE!...
Forum: Frugality & Finances   04-29-2013, 08:31 PM
Replies: 11
Views: 682
Posted By SunRise
Ah, yes the library - our library runs a reading...

Ah, yes the library - our library runs a reading program for the kids. My son always joins. Each week they report and discuss their book and they are given a little trinket and free tickets to a...
Forum: Life with a Toddler   04-29-2013, 07:09 PM
Replies: 16
Views: 410
Posted By SunRise
We have this little "motorcycle" for our...

We have this little "motorcycle" for our daughter. She got it just before she turned three, but she is petite and it is meant for younger. Its a cross between a ride on toy and a balance bike (the...
Forum: Frugality & Finances   04-29-2013, 06:30 PM
Replies: 11
Views: 682
Posted By SunRise
This summer we plan to bike a section of a trail...

This summer we plan to bike a section of a trail that goes along a canal (70miles+); we will do 10-20 miles. We can get on the trail from our city and then bike to a campground, tent for the night...
Forum: Frugality & Finances   04-29-2013, 09:47 AM
Replies: 56
Views: 2,354
Posted By SunRise
Quote:Originally Posted by...

Quote:Originally Posted by SweetSilver http://www.mothering.com/community/img/forum/go_quote.gif...
Forum: Frugality & Finances   04-29-2013, 04:50 AM
Replies: 56
Views: 2,354
Posted By SunRise
Here is a website w/ info and a calculator (it...

Here is a website w/ info and a calculator (it may or may not be outdated)
http://healthreform.kff.org/SubsidyCalculator.aspx
 
(I have read a lot of information on this (early retirement) board...
Forum: Frugality & Finances   04-25-2013, 08:26 PM
Replies: 14
Views: 663
Posted By SunRise
Maybe the 50,000+ are older?, saving longer? i...

Maybe the 50,000+ are older?, saving longer?
i have about 16,000. That is most of my savings not including retirement funds. Ive been able to sock away a lot over the past few years.
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