Comments for Frugalwoods https://www.frugalwoods.com Financial independence and simple living Sat, 18 Aug 2018 16:35:39 +0000 hourly 1 https://wordpress.org/?v=4.9.8 Comment on Reader Case Study: Social Workers Who Need To Get Solvent by Lulutoo https://www.frugalwoods.com/2018/08/09/reader-case-study-social-workers-who-need-to-get-solvent/#comment-197118 Sat, 18 Aug 2018 16:35:39 +0000 http://www.frugalwoods.com/?p=18255#comment-197118 I agree–when I gave my nephew’s birthday gifts, it was a dollar bill for each year of age. (Later went up to two dollar bill for each year. My cute young nephew had never seen those before & asked if it was ‘real’ money!). Also, and this was major–it saved me tons on mailing costs as I’d previously often spent more to mail a gift than gift cost!)

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Comment on Reader Case Study: Social Workers Who Need To Get Solvent by Sue https://www.frugalwoods.com/2018/08/09/reader-case-study-social-workers-who-need-to-get-solvent/#comment-197102 Sat, 18 Aug 2018 15:34:24 +0000 http://www.frugalwoods.com/?p=18255#comment-197102 thank you so much for this case study Liz, such a gift, truly (which is what I meant to write up above-not turkey btw!)

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Comment on Reader Case Study: Social Workers Who Need To Get Solvent by Mary Lil https://www.frugalwoods.com/2018/08/09/reader-case-study-social-workers-who-need-to-get-solvent/#comment-197097 Sat, 18 Aug 2018 15:18:42 +0000 http://www.frugalwoods.com/?p=18255#comment-197097 Hockey Mom– Very interesting! Thank you for posting the details!
Note that a child in sports also becomes the parents’ hobby, vacation time, etc., and that affects all the children in the family.

As appropriate and available, consider other children’s options: 4-H, scouting, church or city choirs or bands, community theatre, volunteer groups, summer programs of various types, and so on.

And with the switch to high school, encourage students to look for activities and clubs there. Bluntly, arts, speech, and journalism, (theatre, band, choir, orchestra, debate, speech team, school paper, year book, etc.), have all taken huge hits in participation with the increase in sports activities and the time they require over the last few decades, (in my opinion, since Title IX required equal opportunities for girls, and since the professionalizing of little kids sports on up).

Growing numbers of high schools seem to have volunteer activities and clubs, perhaps combined with honor societies. Academic options, like science olympiad and math competitions, are also options, as well as career-directed groups, (what used to be called FFA, FHA, Business, Health, and more). Without sports time requirements of in-season and off-season, it might even be possible to follow several interests.

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Comment on How To: Cheap Homemade Seltzer with a Modified Sodastream by Mr. PoF https://www.frugalwoods.com/2014/08/11/how-to-cheap-homemade-seltzer-with-a-modified-sodastream/#comment-197089 Sat, 18 Aug 2018 13:58:23 +0000 http://www.frugalwoods.com/?p=1887#comment-197089 Thank you for writing this article. Believe it or not, it is the whole impetus behind my FIRE journey. It took a while to get going, but now the bubbly water costs us pennies! Again, thank you for inspiring my FIRE journey!

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Comment on Reader Case Study: Help Me Decide How To Pay Off $185K In Student Loans by Jamie https://www.frugalwoods.com/2017/02/06/reader-case-study-help-me-decide-how-to-pay-off-185k-in-student-loans/#comment-197080 Sat, 18 Aug 2018 12:17:25 +0000 http://www.frugalwoods.com/?p=12676#comment-197080 Also, about the potential for PSLF to be “taken away” – it was in the bylaws when you took out the loan, so highly doubtful they can legally eliminate it for folks who already have loans..

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Comment on Reader Suggestions On How To Stay Motivated While Working Toward Longterm Goals by Daybyday https://www.frugalwoods.com/2018/08/16/reader-suggestions-on-how-to-stay-motivated-while-working-toward-longterm-goals/#comment-197079 Sat, 18 Aug 2018 12:16:11 +0000 http://www.frugalwoods.com/?p=18400#comment-197079 We get out and do a field trip somewhere local we’ve always wanted to go, sometimes it’s a hike, or walking around a nearby town, or a local brewery, or a bike ride on a new trail. If it’s a group we may do lunch after or even bring a picnic. Organizing it with friends makes it special and it often feels like a vacation for a day!

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Comment on Reader Case Study: Help Me Decide How To Pay Off $185K In Student Loans by Jamie https://www.frugalwoods.com/2017/02/06/reader-case-study-help-me-decide-how-to-pay-off-185k-in-student-loans/#comment-197078 Sat, 18 Aug 2018 12:15:09 +0000 http://www.frugalwoods.com/?p=12676#comment-197078 Really hope others already mentioned this but in case they didn’t:
1. If you get married and file taxes jointly, Jack’s income will also be factored in to your income based repayment.
2. You do NOT have to pay taxes on the amount forgiven through PSLF – that’s only if you get them forgiven after 25 years, which anyone on IBR can do.
3. If you decide to go the PSLF route, make sure you research the heck out of how to do it properly – get your loans certified every year and switch over to Fed Loan Servicing so you can see how many monthly payments you have made that count toward loan forgiveness. Also don’t refinance as this restarts the clock.

Good luck!

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Comment on Reader Suggestions On How To Stay Motivated While Working Toward Longterm Goals by Cubert https://www.frugalwoods.com/2018/08/16/reader-suggestions-on-how-to-stay-motivated-while-working-toward-longterm-goals/#comment-197071 Sat, 18 Aug 2018 11:22:10 +0000 http://www.frugalwoods.com/?p=18400#comment-197071 There are a couple of factors that have helped me “weather the storm” with goals that seem way too far out there, impossible to achieve. First, where I came from in a blue collar middle class environment with parental conflicts the norm. Had no choice but to imagine a better future. Cultivating a vision when you’re not happy in childhood is a powerful thing later in life I reckon.
No complaints at all. Could’ve been a very difficult childhood. Instead, just wasn’t “ideal”. But I use memories of what life “could be” to keep me motivated to always do better and work towards something better. If any of that makes sense at all…

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Comment on Reader Case Study: Social Workers Who Need To Get Solvent by Leilani https://www.frugalwoods.com/2018/08/09/reader-case-study-social-workers-who-need-to-get-solvent/#comment-197059 Sat, 18 Aug 2018 08:27:48 +0000 http://www.frugalwoods.com/?p=18255#comment-197059 . There have been a lot of good suggestions already. I was just thinking how it is always so much easier to replace one habit or behaviour with another, rather than try to cancel it, so I wonder if it might be good to be on the frontfoot and arrange something socially now both for you and the kids, before you get frustrated not catching up with friends/treating yourselves. It will probably go along way to prevent you and the kids feeling like you are missing out. I'm just thinking say - every second friday night the adults have friends over and just put some flatbread pizza's in the oven that you prepped that morning, abd serve with garlic bread, simple garden salad and some low cost but still nice tasting wine, and have something low cost and low fuss for dessert like affogado (coffee with vanilla ice cream). That way you can see your friends and redirect any social invites to a low cost activity, and it would be no work, you could just enjoy the company of your friends. And on the alternative Friday's the kids have their friends over and they make their own flatbread pizzas and you prep simple salad and everyone has something like cheap icecream with broken up candy creations through it for dessert (like Cold Rock here in Oz, sure you have something similar in The States). That way if kids get heaps of invites they can redirect friend catch ups to this regular sleep over or pizza night instead.]]> Hi Sue,
All the best with the changes ahead ☺. There have been a lot of good suggestions already.

I was just thinking how it is always so much easier to replace one habit or behaviour with another, rather than try to cancel it, so I wonder if it might be good to be on the frontfoot and arrange something socially now both for you and the kids, before you get frustrated not catching up with friends/treating yourselves. It will probably go along way to prevent you and the kids feeling like you are missing out.

I’m just thinking say – every second friday night the adults have friends over and just put some flatbread pizza’s in the oven that you prepped that morning, abd serve with garlic bread, simple garden salad and some low cost but still nice tasting wine, and have something low cost and low fuss for dessert like affogado (coffee with vanilla ice cream). That way you can see your friends and redirect any social invites to a low cost activity, and it would be no work, you could just enjoy the company of your friends.

And on the alternative Friday’s the kids have their friends over and they make their own flatbread pizzas and you prep simple salad and everyone has something like cheap icecream with broken up candy creations through it for dessert (like Cold Rock here in Oz, sure you have something similar in The States). That way if kids get heaps of invites they can redirect friend catch ups to this regular sleep over or pizza night instead.

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Comment on Reader Suggestions On How To Stay Motivated While Working Toward Longterm Goals by Genx FIRE https://www.frugalwoods.com/2018/08/16/reader-suggestions-on-how-to-stay-motivated-while-working-toward-longterm-goals/#comment-197021 Sat, 18 Aug 2018 03:39:25 +0000 http://www.frugalwoods.com/?p=18400#comment-197021 Take a look at USAA and the other military Credit Unions if you haven’t yet; they might be able to help you out with a used car loan. I was active from 98-02, and I want to share what I did. Some states, NY for one, does not charge income tax to active duty military folks who are not stationed in state. There are other states like that. Lots of businesses offer discounts for active military, even major league sports. When I was active, I would come home to visit friends and family, and Yankee Stadium was free for me. My dad would have to buy a ticket, but at least I was free. Home Depot, Lowes, and many others help us out. Many states allow you to buy your electricity from any supplier you want, and while its not much, you can save some money each month doing that. Cutting the cable cord is another idea. I save about $100 a month doing it, and my wife and I are convinced we have a better product. My son is too young to know regular tv, and we do have many normal channels via one of the streaming services; Sling.com.

I had a lot of debt, although no kids, during my service time, so I feel for you. I am better now, and I am sure you will dig out. You sound like you have the right attitude!

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