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  1. General Chat
    i have worked for this company now going on 4 years....I know there are alot of issues that need to be addressed.....their lack of communication is one....however i have come across another situation and need to know what is appropriate and what is not...We had a teacher in our room....she just...
  2. Automotive
    As I try to get my family back on track financially, we keep coming across car troubles. First, my husband's 2006 SUV....we've already replaced the engine in it once and now it needs another engine. Its been sitting in our driveway for a couple of months while we fruitlessly try to come up...
  3. 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...
  4. Automotive
    My wife and I used to both work from home so driving was limited mpg wasn't an issue our cars mostly sat in the driveway. Job changed and we have moved, I still work from home but wife now drives 40 mins to work each way and are putting a lot of drive time on her car (05 honda pilot about 18...
  5. Preparedness and Survival
    The extreme hyperinflation of food prices and the government budget issues in the US have me really nervous right now. Add to that the unease in the Middle East and it makes me think we could be looking at some very tough times ahead. I'm stockpiling the food and getting ready to garden. I'm...
  6. Dave Ramsey
    So, in the interest of full disclosure, I would like to gather your feedback on my plan. I would like to work the Dave Ramsey steps but I am not fully sure I am applying them to my situation correctly. A lot of my circumstances would cause a diehard by-the-book Dave follower to rip out their...
  7. Financial hardship
    total budget is $1632 take home pay....occassionally there will be some extra as dh does a few things on the side but i wouln't dare budget anymore than $50 a month....some months are better but some months there isn't anything...we do receive help with food which is $414 a month...we also have...
  8. Financial hardship
    Ok, the wonderful new friends on this forum have mentioned that I should present our current situation to receive suggestions, thoughts, and advice to begin our process. I posted this in my other thread, but thought I would start a new thread to make it more focused. (Hope that's ok for the...
  9. Preparedness and Survival
    I am thinking about our many power outages over the winter, and how that could possibly get worse with all the budget cuts that have been happening around here. I know it doesn't directly affect the power lines, but with the work crews being downsized and the threat of ice and snow, it's just a...
  10. Pets
    Okay, we live in the country. And every so often, someone drops a cat or kittens off. Last few times, it happened we had a heck of a time getting the right authorities to help us. We are not cat people. We own 2 dogs, and a flock of chickens. I don't really see us taking in a stray wild cat...
  11. Question and Answer
    Currently I am a volunteer. There is a slim possibility that it could lead to a part-time job but the possibility is very slim due to budget crisis and whether the place will be in existence come January. Right now I am helping out in another area with data entry. Which is ok. The problem is...
  12. General Chat
    We believe in keeping cars pretty much as long as possible and have had them in the shop a great deal in the past few months. We had wanted to look at a newer vehicle a couple of summers ago, but decided to do without. Several weeks ago I became somewhat stranded when the rear end of our...
  13. Homesteading and gardening
    Hi all! I've been working on the front and back yard now that the garden is in, but I'm running into issues with the front yard not retaining seed. I've watered it twice daily and give it fertilizer. Still, no luck. The areas that were bare and/or thin are still bare and/or thin after the last...
  14. Automotive
    We have a 1997 Saturn with approx 75,000 miles on it. We were told it would cost us $3,000 to fix but dh doesn't think it'll last another year. We have a Hyundai that we paid cash for, 2 years ago, right before dh lost his high-paying job. We bought it new so we do have a reliable vehicle...
  15. Automotive
    We are hoping to relpcae my '01 Town and Country, 130k miles, this year- if we can swing it. No financing, just cash/trade in. Naturally the dang thing has decided to need repairs left and right- just spent $170 replacing broken mirror and one tire, now needs exhaust and rear brakes to the tune...
  16. Dave Ramsey
    Hi. I'm new to this forum and to Dave Ramsey's system to find financial freedom. I hear so many people say that buying a house is a great investment and an asset. But, I'm not completely convinced. If the key to financial freedom is to have no debt... Why purchase a house that I can not afford...
  17. Careers
    I was laid off in November 2009 from a company I had been with for 9 years - told the wife, don't worry I'll find something to do, there's plenty out there for someone "wanting" to work. I started getting my unemployment and was floored at the amount. I'm actually making more now then when I was...
  18. Financial hardship
    I can't find my original thread. I had posted and got a lot of help here when we were drowning in serious credit card debt. We're doing a lot better now - and still dealing with some issues but over all things have improved greatly. I got some part time work, and took work cleaning houses...
  19. General Chat
    so my boyfriend and i live with 2 roomies in a large 3 bedroom house. one of the roomies is my friend who's father owns the house. the house was vacant and in bad shape until i started to fix it up a year ago, the deal being that we could rent for $500 a month indefinitely. long story short...
  20. General Chat
    Hi all, I'm a 34 year old male who is still living with his parents. I'm trying to save up money to buy a house, and I can do that quicker if I'm living with my parents, than if I were to rent an apt for over $1K/month. My parents are totally fine with me living with them, in fact, they would...
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