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User Topic: Personal Finance
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Default  Posted: 3:17 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage


Seriously?! that possible?

Divorced 1st wife after the dumbass left her "cheating journal" out, after I returned from Desert Storm. Piss on her and good ridance, I'm done.

Posts: 185 | Registered: Aug 2009 | From: West Virginia
Member # 1030
Default  Posted: 3:21 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

I arranged with my local paper to get a deal on Sunday papers if I bought multiple copies.
I get four copies of the Sunday paper delievered to me for the cost of two. My MIL also saves her Sunday paper for me.
That gives me five copies of all the coupons every week.
Plus I print a lot off the internet.

I wait and match the coupons to whatever store is having the best sale and then I stock up by buying multiples.

I don't buy using a menu for the week...I buy using what's on sale and then I make my menu around that.

I usually don't even have to pay for things like toothpaste and deoderant. There's always a high value coupon to be found.

Pain is inevitable; suffering is optional.

Posts: 58732 | Registered: Jan 2003
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Default  Posted: 3:38 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

Very interesting.

Thank you for sharing.

Divorced 1st wife after the dumbass left her "cheating journal" out, after I returned from Desert Storm. Piss on her and good ridance, I'm done.

Posts: 185 | Registered: Aug 2009 | From: West Virginia
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Default  Posted: 4:13 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

Wow great thread!

Things I would suggest for home improvement projects is going to the Re-Store.

You can get some amazing deals on home improvement stuff thats overstocked. I tiled my front entry for less then $20.

You've got to trust your instinct
And let go of regret
You've got to bet on yourself now star
'Cause that's your best bet~311 All mixed up

Posts: 3597 | Registered: Mar 2007 | From: Minnesota
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Default  Posted: 5:23 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

Pioneer -

I would like to hear your views on the stock market. I'm a novice and just now starting to think about investing.

Posts: 2755 | Registered: Aug 2003 | From: oceanside, calif.
Queen Esther
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Default  Posted: 6:39 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

I wash all of my clothes in cold water. Saves on energy as well as my clothes.
Queen of Hot Flashes here so my thermostat is set to 64. I wear slippers and long sleeves until bedtime. My bedroom upstairs is about thermostat to control the whole house. I've made sure my insulation is good and plastic the one window that leaks. I keep lights off when not needed and use candles. Love the ambiance, they add to the heat and lighting. I buy inexpensive candles from Wal-Mart. With the except of liquid makeup and mascara, my makeup is the off-brands. I cook from scratch, even if it's just me, freezing the extras for quick dinners. Then if I don't feel like cooking or am running late, I don't rely on fast food.

Happily Divorced & living alone for the first time in my life. Have a wonderful SO who is one of my best friends. Love is friendship set on fire. - French Proverb

Posts: 45 | Registered: Oct 2009 | From: Walking on the East coast with my toes in the sea
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Default  Posted: 7:01 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

See if your library has "The Tightwad Gazette". Although 20 years old the author still has some excellent points. She was feeding 8 people for under $200 per month in 1995. You don't have to be as extreme as her but she WILL get you thinking about things differently.

Me: BS 50
Him: FWS 52
Married 26 years
Son-20, Daughter-17,
D-Day #1 12/11/2007
D-Day #2 5/23/2008 fucking trickle truth!
Whatever Threnody said, I concur.

Posts: 2066 | Registered: Feb 2008 | From: Chicago suburbs
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Default  Posted: 11:38 AM, November 1st (Sunday), 2009View ProfileEdit MessagePrivate MessageHomepage

Pioneer -
I would like to hear your views on the stock market. I'm a novice and just now starting to think about investing.

We have had a 5.92% correction on the S & P since its 1098 high. Most everyone is expecting a 7-10% correction before consolidation.

So, worst case scenario, a 10% decline brings us to SP 988, call it 990.

I don't believe that we'll see a retracement to last year's levels. Just a correction, since the market ran almost 50% from it's March 09 low. Without any real gap filling.

So, if you have had money sitting on the sidelines, waiting for a entry point, then this may be your last opportunity to invest on the cheap, for future high potential gains.

There are some great companies that are on sale right now.

If you do decide to invest, always do your Due Dilligence on any company that you plan to invest in.

This includes:

1. Reading all current year SEC filings

2. Reading the past four Conference Calls, which is commonly referred to as the quaterly reports.

3. Google the company for any news. Do they have any lawsuits pending, any positive news or negative neew. This will affect the pps.

4. Go to a financial page, such as Fox, CNN, Yahoo, etc... and pull up the year to date charts for the company that you're interested in. Print them off and study them. When you become more comfortable with these charts, add the 50 day Simple Moving Average, the 200 day Simple Moving Average, and the MACD indicator with 10 day SMA. These three tools, will help you determine a entry point and a exit point in your company.

5. When you have finally found a company that you're interested in, DO NOT buy all in at once. Average your buy positions with 1/3 or better yet 1/4 entry points. You may be buying shares at a lower or higher price than your first purchase. That's ok. This is why it is called averaging in.

6. Have patience! I cannot stress this enough... You may get lucky and with your first comapny, you may see a upward trend in the price per share (pps), or the pps may delcine. Too many people lose their asses in the market by stressing out and selling when the pps goes down. Stocks fluctuate. If you have done all of your DD and are sure of your company, then you should not have anything to worry about.


This is a receipe for disaster. Always diversify with other companies in other sectors.

What would happen if you put $2000 into a company and the pps went down? You'd be on the losing side of a trade.

Now take $1k put it into A company and the othe 1k put that into B comapny in another sector.

Now if A company goes down some and B company goes up some, then you still have a porfoilo that is making money.

But remember, never buy in all at once. Buy in 1/4 positions, so with this one, you would take $250 for each company and buy in at different entry points.

8. For first timers, look into blue chip companies.

There is nothing wrong with buying into a company such as General Mills, John & Johnson, Coca Cola, McDonald's, etc...

These are names that have been around forever and will liely to stay around forever. Most, if not all pay a dividend (interest) on your investment.

9. Cheap companies are cheap for a reason.

I always do extra DD when I look at a company whose pps is less than $2. To me this is the first sign that this might be a distressed company. So, I'm doing extra digging.

Cheap companies, such as bio tech, usually do not have a market ready product. They mainly rely on hype on a new drug that they are developing. Can they pay off? yes. Can you lose your ass? yes. Companies, such as bio-tech are pure speculation. Gambling...if you will. If you decide to go this route, be prepared to lose, because most likely that you will.

10. Do not invest on anyone's advice!

Do your own homework. Cramer and all of the other talking heads on CNBC, are jackasses.

They are good for entertainment and gathering ideas from different sectors.

Never buy anything that they recommend.

If they say buy and you already own it, sell.

If they say sell and you are thinking about that company, get ready to buy.

Notice how I never once mentioned one real company? I don't want you to invest in my companies, based on my say so.

I'll give anyone ideas on sectors that I invest in, wher I made money. And I will throw out several companies in that sector that I'm invested in. One may be the company that I have in that particular sector.

Then it will be up to you, to do your own DD and make the decision that's best for you.

Take your time to study, read books, charts, anything that you can get your hands on.

I can recommend a fantastic book, that you can pick up on ebay or Barnes and Noble, but I'll not put the title out on here. PM me if you're interested and I'll provide with it.

Remember that smart investors, who are informed and know what to do when, will always win in any economy. Even in this one.


[This message edited by Pioneer at 2:47 PM, November 29th (Sunday)]

Divorced 1st wife after the dumbass left her "cheating journal" out, after I returned from Desert Storm. Piss on her and good ridance, I'm done.

Posts: 185 | Registered: Aug 2009 | From: West Virginia
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Default  Posted: 1:15 AM, November 22nd (Sunday), 2009View ProfileEdit MessagePrivate MessageHomepage


Divorced 1st wife after the dumbass left her "cheating journal" out, after I returned from Desert Storm. Piss on her and good ridance, I'm done.

Posts: 185 | Registered: Aug 2009 | From: West Virginia
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Default  Posted: 11:38 PM, February 5th (Saturday), 2011View ProfileEdit MessagePrivate MessageHomepage


~XWH told me what I wanted to hear but he always did whatever he wanted to do~

Posts: 25351 | Registered: Sep 2005
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Default  Posted: 7:27 PM, September 1st (Saturday), 2012View ProfileEdit MessagePrivate MessageHomepage


Me:BW 48
FWH: 50

Married 25 years
DD 23 DS 21

Posts: 12696 | Registered: Mar 2008
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Default  Posted: 12:37 PM, March 5th (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage


FBH - 42
FWW - 43 (BrokenRoad)
2 kids 7&12

The people you do your life with shape the life you live

Posts: 35369 | Registered: Jun 2007 | From: Michigan
million pieces
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Default  Posted: 6:52 PM, March 5th (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Ok, I'm starting all over after my D. I got the house, a tiny Roth that was in my name, that is it. I did Dave Ramsey's money management guide years ago when I took over my family's finances, it worked well for me. I've looked at it again, I am on Step 4? Retirement, goal 15%. I have 14% at work (10% me, 4% in matching). Both my Roth and 401K are with Vanguard, but different funds. I'd like to do the last 1% in my Roth, but should everything be w Vanguard. Would another fund be ok? Should I do another group (TRowePrice?)

And then on to saving for college...

Me - 42
2 kids, 9 and 11
D-Day 2/5/10, separated 3 wks later
Divorced 11/15/11!!!!

Posts: 1150 | Registered: Feb 2010 | From: MD
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Default  Posted: 1:21 PM, March 6th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Millionpieces, I think if you are more likely to manage your funds all in one place, it might be better to stick with Vanguard, but this is from someone who has just started saving for retirement and is only concerned with diversifying within one account.

I am currently in a long term relationship and trying to double down on efforts to improve MY funds before they become US funds.

I have ~40k in student loans at 5.125% interest and ~11k in Roth. Instinct is to get rid of the student loans as they will follow me for the next 15 years, but they already take up 13% of my income while I just recently upped my Roth contribution to 5% (no match). Also I would like to start saving for 20% down on a house (short sale after D, donít want to touch being upside down, high payments or PMI again)

How do you think I should prioritize the 3 goals? My afraid of a second D self thinks I should prioritize student loans, retirement, house fund, but if I put aside those reservations it makes more sense to focus on retirement, house, and then student loans.

Posts: 2972 | Registered: Jun 2011 | From: The Valley of the Sun
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Default  Posted: 5:01 PM, March 9th (Saturday), 2013View ProfileEdit MessagePrivate MessageHomepage

I like Dave ramsey but the econmides have a book "Americas cheapest family" that I love.

Right now I am so Bummed this D is going to put me in debt via going back to college. I know I got out pretty easily financially from the divorce but taking grad classes is not cheap!

I have paid down about 1100$ in cc debt since the D finalized. I am sitting on a.cushion of a bit over 1 months expenses in savings, so I am doing ok. I still need to pay off 1200$ in cc. I also have about 4400$ in student loans but I am not worrying about paying them off right away.

I shop sales, budget like my life depends on it, buy most dds clothes from the thrift shops.

Posts: 1146 | Registered: Oct 2011
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Default  Posted: 8:38 PM, March 16th (Saturday), 2013View ProfileEdit MessagePrivate MessageHomepage

If you are lucky enough to have a Dollar Tree or something of that nature, I find that I can buy lots of my personal hygiene items there i.e. body wash, conditioner,shampoo, razors, etc...

I buy cards and gift bags there as well.

Some things I won't compromise on but I have found that some things there are cheap and not worth the money, other things make a $50.00 grocery store run around $15-$20.00.

Also, I shop at thrift stores for my office wardrobe and have received many compliments on some of my clothes.

Divorced 05/11/11 -
2kids - 20 and 22 (Thank God for them)

Too many Ddays to count. Enough said!

Posts: 693 | Registered: Oct 2011
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Default  Posted: 3:17 PM, April 19th (Friday), 2013View ProfileEdit MessagePrivate MessageHomepage

I really like this thread...Lots of good info :)

Don't tie your happiness to the tail of somebody else's kite

Posts: 797 | Registered: Nov 2011
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Default  Posted: 3:39 PM, April 19th (Friday), 2013View ProfileEdit MessagePrivate MessageHomepage

Some of the upscale thrift shops around Houston have gently used designer clothes/home goods that would cost hundreds of dollars new but sell for way less than 100 dollars in their present condition..A fav way for me to find accessories, shirts/blouses, art when I have $25.00-$50.00 to spend :)

Don't tie your happiness to the tail of somebody else's kite

Posts: 797 | Registered: Nov 2011
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Default  Posted: 9:56 PM, April 19th (Friday), 2013View ProfileEdit MessagePrivate MessageHomepage

Some other things that may not have been mentioned here.

If you learn how to do some things yourself you can save money.

A long time ago when I was younger, my MIL taught me a few things and my grandmother.

I know how to sew, crochet and cut hair.

I have 2 sons and I have cut their hair since they were born. Hair cuts; the way their hair grows can be over $60 for both with the tip. I bought the expert razors and sprays to keep them sharp from the beauty supply store.

Also, if they need a new scarf or hat, I get the skeins of yarn on sale for like 89 cents per skein and crochet them a new one.

I also repair all of their clothes with my sewing machine. I sew new pillow cases with the fabric from the flat sheets we do not use.

Seeds to have your own vegetable garden are so cheap. The return is amazing when you harvest all those vegetables.

My children are purposely not able to have the latest fad. I believe when you start that stuff young then they expect it. I know some of their friends have iphones at 10 years old. This is ridiculous to me.

To save gas and bus fare, they ride their bikes or walk to school. Scouting is a wonderful avenue to provide inexpensive activities for families at a discount.

I bring snacks, water bottles to every event. When we go to the zoo, I pack a lunch and we carry it around with us.

We are lucky to have a free zoo here. The museums also have free days and the library affords free passes with your library card for all the museums.

Those cleaning supplies can really add up. I looked online for more natural ways to clean my house and found vinegar, which is cheaper than some of those cleaners and a few drops of bleach in a spray bottle with water does the trick. A gallon of bleach is much less expensive then different cleaners.

I don't buy soda. My kids are only allowed drink tea, water or milk. Soda is very expensive and they can only have it if we go out to eat on a special occasion.

We eat lots of chicken because its cheap and filling.

Paper towels are very nice, but they cost money. I have hand towels and rags and I just wash them.

I don't buy storage bags because I reuse the rubbermaid type containers and clean them in the dishwasher and soak with bleach.

Real dishes and glasses can be cleaned thoroughly and reused again and again. No paper plates.

Also, I look at people who I know are making a alot less money but can still feed their family of 6. I just see how wasteful we can be sometimes.
Just some thoughts.

Me: 44/WH (SA): 49
M: 24 years 3 kids over 10 yrs old
EA/ PA Dec. 2009 -Divorce pending

Posts: 1240 | Registered: Apr 2010 | From: Midwest
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