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namaste last won the day on March 28

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About namaste

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  1. namaste

    Go away, Murphy

    Man, our toilet seat broke, well that's number 3, so hopefully Murphy will stay away. Looking for pennies, not Murphies.
  2. namaste


    Oops, saw cadberries other thread about increasing retirement.
  3. namaste


    That's awesome! With fewer monthly expenses will you be putting more into retirement? Putting any more into charity? It's so great to start really paying yourself.
  4. namaste

    Go away, Murphy

    I know what you mean. In the last 2 weeks had a big car repair on our older car, we had to get our dryer fixed, and since murphy likes to come in 3's I'm waiting for the next one. The good thing is that thanks to my in laws and me being home since my work schedule is intermittent we were able to survive on our 1 car with some borrowing of their car and some errands/kid pick up from school run by the in laws so we didn't have to rent a car while our car was in the shop.
  5. namaste

    Life After Divorce

    Great update. Just FYI, you can start your own Roth IRA with any earned income. I have mine at Vanguard and am very happy with it. Most employers offer pretax plans which are also great when you are saving for the future. What a beautiful inspiration your post is.
  6. Source: How to balance all areas of life?
  7. namaste

    Treading water

    I really feel stalled. I know we're saving for the babies but I'm just feeling really stalled and like I'm not making the progress I wanted. Our food costs have skyrocketed and we're eating out more due to my pregnancy really. I have been making my weight gain targets only because of what we've been doing with our food. I have so few things I want to eat and so much makes me nauseous. I'm at 23 weeks right now, and have 7 weeks more before I'm out of the "high risk" category for twins. I'm having a very hard time sleeping between numb arms and leg cramps and babies kicking and just all around anxiety and that just makes it harder to handle stress. I also pretty much can guarantee we're not going to have enough and are going to have to eat into the FFEF which is right now at 6 months. My DH thinks I worry too much. I also worry about how I have become less generous since my TMMO as I've been more focused on BS1,2,3 and feel like it's changed me a bit and I want to be generous and not so focused on money. Thankfully my mom has agreed to spend as long as I need with me once the twins are born because I'm sort of in a panic about how I'll be able to breastfeed them on my own until they really get established. But the point is that saves me from having to hire a doula. I'm really hoping my mom can continue to help rather than having to hire anyone ongoing but we'll see. She lives about an hour a day and is currently mourning the loss of her partner of 10 years. I wasn't sure if I could post to the blogs or not, so sorry this is so ramble. I guess we'll probably be fine, I just feel like we are going backwards because our net worth is now flat with us holding back on BS4 while we sink for me being off of work for 6 months and the way our investments have been going.
  8. namaste

    No new debt!

    I'm trying to keep that mantra going. I really want to get solar electric this year before incentives in my state go away. Either we can go with a smaller 2.5K system that will cover a bit more than 50% of our electricity cost, or a full 4.5 to 5K system that covers 100% of our electricity. Either way it's a 6 year payback. The main problem is you have to pay up front. I believe we could raise up the funds (instead of the slated new car fund) but the early fall and be able to put on the smaller system. The only way to do the entire system would be a personal or home equity loan. Of course home equity interest is tax deductible, and we would only borrow half as we could raise up the other half, but it's still a risk having another loan. The company is also starting a lease program in June, so that's another option, but still paying up front is better, they just take care of all the maintenance. I need to decide soon so that I can change my withholding since it would reduce the taxes owed considerably for 2012.
  9. Sweet, I am getting a raise next paycheck and I'm also getting an extra week of vacation and my extra stipend for the year that I gave back last year! This will cover the decrease from my additional health insurance, and the higher limit for 403b (like 401K) deduction this year and still put a little bit for my snowball. We're also considering investing in solar electricity this year with the excellent incentives in our state and the 30% tax break! That could reduce our electricity cost by about $1,000 per year! We're having a sump pump put in next week to prevent any more flooding in our basement. Fortunately already had saved for that a few months ago.
  10. I just finished hashing over a bunch of projected tax expenses and it looks like the increase we've been taking out of our paychecks may be giving us a refund, but I still have to wait for another couple of months until all the paperwork comes back. Also our accountant has so much depreciation in there for the home business it's rather confusing. But I think my conservative estimates are that we'll be covered. If that holds true, we should by April be able to fill both our Roth IRAs, our SEP- IRA, and get back into progress on BS3! Of course we are taking a trip in March, but that shouldn't really be a problem now if everything goes according to my plan. Hee hee hee. Here's to a great 2012 for everyone!
  11. Wow! What about car insurance/maintenance? What about medical?
  12. namaste

    January's Shopping List

    You're an inspiration!
  13. namaste

    January's Menu

    Could you get whole chickens instead of just chicken breast and "stretch" it?
  14. $60 a month off the grocery budget is HUGE!
  15. The past few years have been interesting. I come from a family culture of huge gifts, and it's not really just about materialism, it's about thoughtfulness, getting people things they wouldn't get themselves, personalized gifts, and seeing the smile and joy on the faces of people I love when I get it right. With my mom though, giving gifts has always been an expression of love. Let me say this year I still haven't fully achieved a frugal Christmas, but at the same time, I'm thinking about my family's journey on this topic and how my talking about living on a budget has changed all of us. 2 years ago Christmas I cut my gifts substantially, with a lot of advanced warning (DH and I haven't even exchanged gifts for the past 2 years and we're not going to this year either). I also significantly decreased the gifts I gave to my mom. And she was disappointed. The next year, she gave me much less and even more to my brother's family. I wasn't actually hurt by it, just sort of saddened by how hurt she had been. So this year, she's planning to retire (and can't really afford to). I recently told her how we're saving 50% of our gross pay and what that actually means for us in terms of not always having to scramble to pay for things, in terms of my fears of if I ever do get pregnant with fertility treatments I might have preemie twins and need a lot more time off of work, we would be ok. With my brother too, my TMMO has helped me talk with him about finances. I don't always agree with the decisions he and his wife make but he's really trying to pay off debts and has made a lot of progress. I asked him what his wife wanted for Christmas and he told me she wanted a $10 DVD. I was shocked. He asked for an iTunes gift card. He asked me what I wanted and I asked him for a used book or some parts for vacuum sealing jars that would cost under $30, he could choose. My dad asked what I wanted and I told him a couple of used Indian cook books. I used to ask my mom or dad (my parents are divorced) for things I really wanted but didn't want to pay for. This year I asked my mom for a used book and some homemade cookies. My mom is so grateful because she is now in a panic financially about to retire and looked at her quicken budget and realized she was spending 5K a year on gifts alone! I think about my own Christmas gifts for my parents and I know it's still too much. Next year I know I'll do even better.
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