User Profile

[cypher1]

Biggest one is drinking water, or tonic water with lime if I'm at a bar. Taking leftovers for later. Also remembering to use gift cards, as I usually...

[cypher1]

First off, congrats on being so disciplined and starting so early for saving and investing. While I envy your ambition, but what are you planning to...

[cypher1]

I used to struggle with finding that balance for spending and saving. As I mentioned in other posts, I'm pretty happy or satisfied with the planning...

[cypher1]

MIne is roughly around 90% stocks, 10% bonds between 401K, Roths, trad IRAs. I'm also 38, so typically more aggressive for risk tolerance. Depending...

[cypher1]

Agreed, that is a must for me, unless international flight....

[cypher1]

My first thought would have been eating out as well, or Amazon Prime (but I canceled after the holidays). But for financial and health reasons, I'm ok...

[cypher1]

Tossed out some worn out socks, underwear, t-shirts. Gave away the last of my blu ray collection since I backed them up on my NAS....

[cypher1]

Equity in home around $140k, with Vanguard VTSAX at $54k....

[cypher1]

Not so much a transition of going from saving to spending, but as long as I'm fulfilling my savings goals of putting away at least 25% of my gross salary...

[cypher1]

Yep, I just did it with CC, and no convenience fee....