tag:blogger.com,1999:blog-13195031.post114451872680905825..comments2023-11-02T02:18:09.710-07:00Comments on Giraffe in a compact car: On the intenseness of gazellesGiraffehttp://www.blogger.com/profile/05556306156373942923noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-13195031.post-1148414254642787852006-05-23T12:57:00.000-07:002006-05-23T12:57:00.000-07:00Giraffe, if you want some tips on how to spend les...Giraffe, if you want some tips on how to spend less on groceries, let me know. I think I might get top prize for that!<BR/>Also, if your wife is willing, you can cut down to one vehicle when you have your first baby. Then you get rid of all the insurance/gas costs. Yes, it's a nuisence having to schedule around my husband's schedule. On the other hand, it's a lot less tempting to run out to the store to pick up this or that, and we end up spending a lot less in other areas because if I can't get to the store to get more butter then I can't be tempted to buy a chocolate bar or whatever's on sale.<BR/>If you have trouble with the soda pop issue, try buying it at the grocery instead of the pop machine. Much, much cheaper.BoysMomhttps://www.blogger.com/profile/05474788412440788887noreply@blogger.comtag:blogger.com,1999:blog-13195031.post-1144676356985796932006-04-10T06:39:00.000-07:002006-04-10T06:39:00.000-07:00I chose the line of credit first, it has the small...I chose the line of credit first, it has the smaller balance. I think it will be easier to stick to if we have some progress we can see quickly. Then the car, it has a larger payment, and rate than the student loan, but the balances are about the same. I was hoping to have all of them paid off by Sept.<BR/><BR/>I do have that line item. I was going to set aside an 'allowance' for each of us. We would each get the same amount each month to use however we want. Good idea on the savings acct. <BR/><BR/>Until we get our debt retired, we won't be driving any new cars. I will probably get an inexpensive junker if my pickup goes bad.Giraffehttps://www.blogger.com/profile/05556306156373942923noreply@blogger.comtag:blogger.com,1999:blog-13195031.post-1144525735987449022006-04-08T12:48:00.000-07:002006-04-08T12:48:00.000-07:00I'd pay of the car first. The student loan intere...I'd pay of the car first. The student loan interest is tax deductable. Then the home equity, same reason.<BR/><BR/>On your budget you should include two line items: Giraffe and Mrs Giraffe. The purpose is to put aside money in a savings account that you can use how ever you want. You migh only be able to put $50 a month into each. When you want a new toy or whatever you save up for it and pay cash. Mrs Giraffe gets to use hers the same way. Whatever little "extra" one of you wants they are free to buy when they have the cash for it.<BR/><BR/>We have a line item for auto on our budget. We make payments to ourself and pay for repairs etc out of the fund. When we want a new car we wait till we have the cash and go buy one.<BR/><BR/>Res IpsaAnonymousnoreply@blogger.com