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  1. General Chat
    Just heard on the news credit card sales up 7% for black Friday. here we go again buying stupid gifts that we can't afford. How many Tv's, iphones, ipads, etc. can a person have? the general public just doesn't get it.
  2. Debt Reduction & Money Management
    ~I thought this short article was interesting. It gives some rules of thumb for how much you can afford in the five areas. The retirement savings rule was the easiest method I've ever used! Yahoo! Finance - Financially Fit ~
  3. Calculations and Alternatives
    I have an online moneymarket account with $15K earning 1 percent interest - this is my emergency fund. I went to bankrate.com to check CD rates and other moneymarket rates. Capital one has an online MM account earning 1.6 percent - so basically I'd make about 35 percent more interest. But, at...
  4. News you can use
    Mortgage rates drop 0.17 percent Mortgage rates fell this week on continued signs of economic weakness. And the Federal Housing Administration will start charging riskier borrowers more.
  5. News you can use
    30-year fixed rates drop to 5.98 percent Turbulence continues to buffet mortgage rates. Like a plane landing in a thunderstorm, rates go violently up and down, moved by invisible forces.
  6. Debt Reduction & Money Management
    :cents: I read that Americans invest less than 1% for retirement! Which brings up my question to all my frugal friends...what percent do you stash for later? My DH puts 12% of his check into retirement funds and I put 25% of my check into retirement funds. If we don't see it, we don't miss...
  7. Frugal Living
    Even if you don't what % of your income would you like to see saved? I'd love to be able to put 10% into our savings account each paycheck. I'm no where near that, but thats my ultimate goal.
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