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  1. Debt Reduction & Money Management
    How do I fiqure if we would save more money by refinancing or paying extra principal ? Now that all credit card debt is paid we need to take care of the mortage. We need it paid before we retire. so 7 to 12 years Our interest rate is 6.1 we have great credit, We owe about 46,500 and I...
  2. Dave Ramsey
    I am trying to find some easy ways to make some extra money in order to pay off debt.
  3. General Chat
    My only debt is a mortage around 180k. Would you guys recommend putting an extra $500 against principle on the mortgage or stash it in savings or investments?
  4. Freebies
    For a limited time you can get a FREE sample of WOOLITE® EXTRA Dark Care. Woolite® Laundry Detergent Official Site: Free Sample Promotion
  5. General Chat
    Interesting thought based on Stinkbugs Thread here. How much are you willing to pay for that extra quality that takes an item to "good quality"? An extra 10% - 20% or more? American mfgs, I'm sure can and do make a higher quality item in some cases, but when it comes down to brass tacks...
  6. Homesteading and gardening
    I guess I should not complain but I had great germination so what do I do with too many broccoli plants. Same with tomato plants. I can't bear to toss them
  7. Family
    Of course there is the charge for the summer camp. But what are the extra expenses- maybe even hidden expenses of summer camp that would add to the true cost of camp? Here are a few I could think of Gas to and from camp (more $$ if it is a day camp with daily drop offs and pick ups) also more...
  8. Dave Ramsey
    We currently have 3 cars - all 2001 models. I've been going back and forth with what is the "smartest" decision regarding the one that is rarely/never driven. I can't decide if it would be smarter for us to sell it (we could get MAYBE between $500-$1000 for it) and put that towards our debt...
  9. Drugstore & Grocery Store Deals/Product Reviews
    ~I went to Babies R Us last night to spend $10 in expiring coupons(from their Rewards R Us program)and was happy to see the clearance racks out. My store had holiday dresses and suits($10 after discount), Winter coats($15 ad), sleepers and outfits, even sweater and jean sets($6 and up ad)all in...
  10. Debt Reduction & Money Management
    We currently have an EF of about 5k in a checking acount. I also have 30k in a money market account. The interest isn't very much. 1.5% or something like that. We are considering putting part of this into an IRA or TSP. How does this affect our taxes? Is that considered federal with holdings? I...
  11. Freebies
    free pack of Extra Dessert Delights Gum Get a free pack of Extra Dessert Delights Gum on Facebook when you “Like” the Extra Gum fan page and go to the “Dessert Day” tab. You even get to select your flavor: Strawberry Shortcake, Key Lime Pie, or Mint Chocolate Chip. You should receive your free...
  12. Coupons
    It's sad but no one I know uses coupons ("too much work").... If you are interested please pm me your address and I will mail them out today. Have a great day! Melanie
  13. Debt Reduction & Money Management
    this month. Don't know how we had it, but we made 3 extra payments this month. We probably should have combined it to one but 3 was a compromise. It will actually get each of the cards paid off a month early and with the snowball effect...it really helps...or will in the long run. Might try...
  14. Pets
    Well, with the cooler weather I have found myself with two cats on the bed. I woke up on night to them breathing really heavy. At first I thought it was just the one then realized it was both of them. So now I have to get used to being poked in the neck while the one cat makes a "nest" at my...
  15. Question and Answer
    I have TOO much rag material...hate to throw it away...but I have at least 2 boxes of flannel, cotton/poly, and just cotton old sheets and sheeting materials. I really need to cut this in 1/2. I doubt the thrift shops want it. I know the used booksellers/antique stores don't. Any ideas??? TIA...
  16. Automotive
    I just had my tires checked maybe 3 months ago or so. They said the tires looked fine. Well, my car has been wobbly for a couple weeks now, but with the brakes being bad I didn't know what it was. Got the brakes fixed by ex-dh, still wobbly. I had ex-dh drive it today. He turned the wheel...
  17. Bananas
    Fortunately for me, my wife is on the Atkins diet. I bought 5 lbs of bananas last week (she can't eat them) and they are getting ripe. The following, after the picture, is how I made this from scratch. Banana pudding, (well, pie filling, but I won't tell) 2 1/2 c milk 3/4 c sugar 1/4 c...
  18. Home Environment
    I have a lazy susan style spice rack that holds 16 spice jars. I also have lots of excess packs of spices and half-opened bags, which are all tied up into an old grocery store shopping bag. I need a better way of storing these extra bags of spices. But how? Thanks in advance. :)
  19. Careers
    I take part in clinical studies.and have had good results. I did one a while back that put me on the right path with my IBS. Right now I am in one for high cholesteral. It pays $50 a visit and there will be between 19-41 visits depending on your criteria, etc. My Dr. is fully aware I do this...
  20. Debt Reduction & Money Management
    While i was checking my bank balances online and making sure that I had enough to cover what was left of the bills this month, I noticed that i dated my budget columns wrong and put the date ahead further than i should of done and included a bill that wasn't actually due until next payday :) so...
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