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  1. Debt Reduction & Money Management
    I try to read as many financial books as I can get my hands on- picked up this one from the library, I am about 3/4 through it. Very simple, clear, good for the the 'lay person'. Perhaps not the best one for folks just starting to clean up their financial lives who are currently overwhelmed. It...
  2. Just Tips
    As most of you might know my father died in early fall and I have been dealing with the estate since, as executor. Give very careful consideration on not only the type of Power of Atty. you set up but who you give the power to, especially if you have multiple children. There are various types...
  3. Money challenges
    I'm still working on 2012 goals, but I always try and start by reviewing what when right and what went wrong for the year before. This year I had 5 goals. I figured I could reasonably achieve 2 of them, possibly 3. As of right now, I have achieved NONE of them. They are: *Get EF up to 5K...
  4. Money challenges
    Total budgeted income for 2012 unless dh gets disability....will be 27,670 monthly payments mortgage is 450.00, it is 442.00 however i will be paying 450.00 as it is easier that way.... internet is 40.00 a month electricity is 180.00 a month phone (we have net10 phones so trying to figure out...
  5. Financial hardship
    I'm new here and this is my story..... I married my wife 27+ years ago and because of her financial infidelity I wish now that I hadn't. When we got married I told her no credit cards as if we couldn't pay cash for something we didn't need it that bad. Well as time went on she opened various...
  6. Frugal Living
    Does anyone else think like this? Or am I weird? I tend to think of myself as the centre of a circle of financial security, then DH and myself in the next concentric circle, then DH, myself and my girls/children in the next concentric circle, then the rest of the extended family after that...
  7. Dave Ramsey
    A FPU class was just announced in my area. Is it worth the $100 class/materials fee?
  8. General Chat
    Apparently money troubles and budget problems are everywhere these days "In its 23rd year on TV, "The Simpsons" could be on the endangered species list."... ""We believe this brilliant series can and should continue, but we cannot produce future seasons under its current financial model,"...
  9. Dave Ramsey
    A local church is advertising FPU to start mid-September and I am considering taking it. I doubt the wife will go, so take that out of the equation. Based on your experience, and what you have gained from taking it, WHY should I take it? Am I going to learn anything more than what I "think" I...
  10. General Chat
    This is anonymous - just trying to gather some basic demographics. By "How are you doing?" - the primary "WE'RE DOING WELL" answer here means you are either out of debt or are at least paying down your debt and not taking on any new debt. If you are living beyond your means, you are not doing...
  11. General Chat
    This is the top of all our news bulletins this morning as well as on the BBC. Don't know if you heard about this but it was on our evening news - on top of Spain and Italy possibly needing a bailout, Cyprus will not be far behind since things are just as bad there. Where will this all end...
  12. Debt Reduction & Money Management
    When we bought this house, I decided to include $100 per month into savings for an emergency fund. Once it's capped at $1k, I will be opening three TFSAs. One will be in my name. One will be in the name of DS7. The third will be in the name of DS12. Why? The TFSA in my name will be in case...
  13. Debt Reduction & Money Management
    My inlaws announced about a month ago that they wanted to put both dh and I on their checking accounts. I am added also because they know dh has never done any budgeting or bills and if they need help it will be me doing it. I told them I thought they should just draw up the papers with an...
  14. General Chat
    We are in our 60s, house paid off, no debt, good savings, and retired with pension. Now we are looking to redo our will and make plans for inheritances. It just seems to be that time of life! We have a will now, but it is very out of date, so we think it is a smart move to change things now...
  15. Debt Reduction & Money Management
    I was wondering if you guys use a financial advisor or do your own research?
  16. Debt Reduction & Money Management
    My wife and I have been investigating Dave Ramsey and we both are in agreement that we should make some changes. However, I am not so sure that Daves program is a complete fit for us. Financial Thumbnail: Family of 4. 330K First Mortgage, 130K 2nd (business pays the 2nd payment.) Small...
  17. Dave Ramsey
    Wife and I have been piecing together the DR plan from the library (no official FPU classes attended) and our 10 yr old has been asking questions and hearing our talks and even has been a part of our decisions envelope wise for food entertainment etc. I checked into the FPU jr thing and found...
  18. Debt Reduction & Money Management
    This year I have been very focused on making progress on my financial to do list, which is things I am doing to improve our general overall financial situation in the coming months/year. This covers a multitude of topics (insurance, debt, investments, savings, fee reduction, etc.). As you can...
  19. Pregnancy
    Here's the situation. We want to try for another kid. We wanted our 2 kids to be pretty close in age. We wanted ideally to start trying asap. We have a lot of debt and things we need to get done in the house. Our current plan is to save and reno the bathroom (it NEEDS it, there's mold). Then...
  20. Pets
    my littlest yorkie is diggin me a hole i swear....i started, my fault but oh my lord! i have 4 yorkies..im a breeder...one afternoon i was at my computer desk and all 4 dogs apparently were around the chair...as i scooter back the chair tumbled over them a blanket of the kids tossing me and...
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