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  1. 09-15-2009, 01:24 PM #1
    Kim_Mango
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    Default Living below my income

    Hi everyone,
    I'm Kim from North Carolina. I've been debt free for over a decade and enjoy the freedom it brings. I'm contemplating a major career change which will also change my income. Do to this, I need to be more disciplined about living below my income now so that the transition isn't a shock when I take the leap of faith.

    I look forward to hearing and sharing your frugal ideas!
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  2. 09-15-2009, 01:29 PM #2
    nodmicks
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    Welcome Kim!
    ~July 19 saving goal for event $104/$1000
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  3. 09-15-2009, 01:34 PM #3
    jlaporte
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    good luck! well consider your options and do whats best for you. and living below ur means is a great idea no matter what anyway.but much success to you. i have no suggestions except keep on doing what ur doing!
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  4. 09-15-2009, 01:57 PM #4
    mauimagic
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    Aloha and welcome from Hawaii!! Glad that you joined us and am really looking forward to hearing more about your successes and your new job!!
    Travel light. The baggage of the past can only hold you back.




    “Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
    — Peter Walsh
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  5. 09-15-2009, 01:59 PM #5
    Greebo
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    You are debt free, which means you already know how to live below your means. The question to consider now is how much of an income reduction will you face if you make a drastic career change. You should make sure BEFORE you change careers that you are living below your FUTURE income, lest debt result.
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  6. 09-15-2009, 02:49 PM #6
    beverlyhouts
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    Welcome from Ohio!
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  7. 09-15-2009, 02:52 PM #7
    never2late
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    Welcome Kim!
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  8. 09-15-2009, 03:25 PM #8
    mommato2kids
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    welcome, from new jersey!!
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  9. 09-15-2009, 04:10 PM #9
    Michelle
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    :welcome3: Kim
    *~*Michelle*~*

    "You can't have your best health without exercise. It's just not possible" ~ Leslie Sansone, WATP


    Follow us on Twitter!


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  10. 09-15-2009, 05:13 PM #10
    Monner 1
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    Welcome from upstate NY. Maybe you can teach us some new tricks also.

    Monner
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  11. 09-15-2009, 06:20 PM #11
    ilovechocolate
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    Hi and welcome from Georgia!
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  12. 09-15-2009, 06:26 PM #12
    BeachBaby
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    Welcome!
    Pennies add up to $$$.
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  13. 09-15-2009, 08:56 PM #13
    NikoSan999
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    Welcome from Florida!!
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
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  14. 09-15-2009, 09:00 PM #14
    MaryCarney
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    Welcome from Indiana!!!
    Mary Carney Working the night shift 'cause they never have meetings at 3am!
    DD Sarah 32
    DD Rosanne 28
    DS Benjamin 18
    DD Kathleen 17
    Married to David since 1975



    Starting grad school September 1, 2010 in pursuit of MSN degree.
    MSN degree completed on 4 May 2012 with NO DEBT!
    Total cost (including books) = $8375.
    Weight loss on Weight Watchers since June 1= 18.8#
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  15. 09-15-2009, 11:22 PM #15
    Luckybustert
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    Hi Kim and welcome! I'm looking forward to reading about your experiences. It sounds like you've got a lot of frugal skills and ideas to share with us!
    -Suzanne

    Challenges:
    Pound A Week - 237.2 / 227.8 / 135
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