Go to a financial advisor who doesn't sell products. Look for a "Certified Financial Planner." They'll charge you a flat fee, just like a CPA. They will teach you as they help you plan for your future.FHG-no serious thanks. I just dont know. Dmom has a pension and medicare plus supplemental thru Sears where ddad worked for 40yrs and she pays so very little. Maybe $225. a month but all her dr.s visits are covered and her pills (she takes many) are pennies. We have no such luxury.
She claims we are due for a good sum but we will see. Her house is nothing to sing about but they bought it cash some 50yrs ago. and she is debt free and lives off SSI and the $$ she HAS to take off the stocks.
I will visit the sites. thx.
Our CC is at 17.99% so it will be paid,moved to 0% CC and Cu loan I imagine, we began the process tonight. I have a years budget I made in Dec. for 2014.
I agree w/ your logic but I am padding the EF more this year because of times and Dh's health. We do give to 401K up to matching but will not take advantage of over 50 catch up until next year when CC is way down/gone.
This is the first yr. we pay our own taxes so i am squirelling that away fast.
I prob. should go to a financial advisor but i trust them to sway me to their own best interest agenda. Paranoid much-heck yeah.
I would get rid of that 17.99% credit card even if it meant cleaning out your emergency fund. If you had a true emergency, you can always use the card or get a 0% card but why keep a balance if you have the funds to pay it off.