My top priority is eliminating my home equity line debt so my actual monthly mortgage payment will lower and I can put that extra money into savings.
And also at the top of the list is getting my younger two daughters through college with minimal student loans.
My top financial priority is getting my emergency fund up to speed. The goal is eight months and I'm about to approach two. My job is great, but unstable, so before I can focus 100% of my energy on paying down debt I have to keep my focus on my emergency fund. I'm still paying down debt, but that top priority belongs to the emergency fund.
My top priority for the next 2.5 yrs. is to continue reducing our spending. We sold our home after ownership for 25 yrs. We've reduced our utilities and other expenses by moving into a modern loft apartment with less square footage than our home. We've cut our cable tv. I'm working a second part-time job in our building and am saving every dime of that money. My ultimate goal in reducing our expenses is to retire before the age of sixty. This will happen in 2016 as we have been financially prudent all of our lives.
Absolutely it's important to track your receipts, and #4 really hits it on the head: if you're a small business owner or a freelancer on the side and you don't keep track of your receipts, you're literally throwing away money!
I actually went and created a web app specifically for small business owners and freelancers to make it super simple to track receipts - you just take a picture with your phone camera and email it to our trained robots, who sort it and save it for later. There's no app to install, and all the data is backed up in an encrypted format on Amazon's servers, so there's no need to worry about losing your receipts if something happens to your phone.
Because of your comment, I used my regular plunger, that I never use, on the sink. I spent 4 seconds on it like you and fixed the issue after messing with it with a coat hanger for 15 minutes. Many thanks!
My priority is saving enough money in the next 3 months so that my husband and I can go to Central America to live for 6 months or so without having to work.
So if you do shift work, you're just screwed b/c none of those internet tips work help out (obviously they don't make up for the lost sleep...but they don't at least help)?
We have worked hard to buy our home (we recently moved to another one) and to build an emergency savings. The major financial priority is to save something for our children's education while saving enough for retirement without bonuses or raises or cost of living increases.
Hired full-time after a year and a half of not having a steady job, I want to rebuild the cushion I depleted during the period of unemployment/freelance work.
My top financial priority is being able to put more than $25 a month into my ROTH IRA account. I am in my mid 20's, and I work for a financial planner. She has truly taught me the value of being proactive and that it is NOT too late to start planning for retirement. I want to be able to say "c'est la vie" when I'm 55.
I just picked my first home-grown carrots, cooked them, and just finished my first tastes. The flavor is undeniably wonderful. I have tasted nothing like them. The watered down store version/varieties will never again come to my house. My only regret is planting merely two small rows. They literally made me happy and reminded me of my childhood at my grandparents eating from their garden. Thank you for the article and confirming my taste-buds' new found love of carrots.
My top priority is eliminating my home equity line debt so my actual monthly mortgage payment will lower and I can put that extra money into savings.
And also at the top of the list is getting my younger two daughters through college with minimal student loans.
Saving for retirement.
My top priority right now is saving for a new car.
I went to Stater Brothers today to buy a Home Depot gift card, and the cashier told me I can only buy it with debit card or cash.
My top financial priority is getting my emergency fund up to speed. The goal is eight months and I'm about to approach two. My job is great, but unstable, so before I can focus 100% of my energy on paying down debt I have to keep my focus on my emergency fund. I'm still paying down debt, but that top priority belongs to the emergency fund.
My top priority for the next 2.5 yrs. is to continue reducing our spending. We sold our home after ownership for 25 yrs. We've reduced our utilities and other expenses by moving into a modern loft apartment with less square footage than our home. We've cut our cable tv. I'm working a second part-time job in our building and am saving every dime of that money. My ultimate goal in reducing our expenses is to retire before the age of sixty. This will happen in 2016 as we have been financially prudent all of our lives.
Collective little modern, some antiques
Retirement :)
Saving up for down payment on a house, while saving for retirement.
Absolutely it's important to track your receipts, and #4 really hits it on the head: if you're a small business owner or a freelancer on the side and you don't keep track of your receipts, you're literally throwing away money!
I actually went and created a web app specifically for small business owners and freelancers to make it super simple to track receipts - you just take a picture with your phone camera and email it to our trained robots, who sort it and save it for later. There's no app to install, and all the data is backed up in an encrypted format on Amazon's servers, so there's no need to worry about losing your receipts if something happens to your phone.
If you're interested, it's called Receiptron.
Because of your comment, I used my regular plunger, that I never use, on the sink. I spent 4 seconds on it like you and fixed the issue after messing with it with a coat hanger for 15 minutes. Many thanks!
My priority is saving enough money in the next 3 months so that my husband and I can go to Central America to live for 6 months or so without having to work.
So if you do shift work, you're just screwed b/c none of those internet tips work help out (obviously they don't make up for the lost sleep...but they don't at least help)?
My biggest financial priority is saving an 8 month emergency fund and saving for college for my son...only 2 years away!
I recently had to give up my job due to medical issues, so my priority is to cut back on expenses and make my savings last as long as possible.
We have worked hard to buy our home (we recently moved to another one) and to build an emergency savings. The major financial priority is to save something for our children's education while saving enough for retirement without bonuses or raises or cost of living increases.
Hired full-time after a year and a half of not having a steady job, I want to rebuild the cushion I depleted during the period of unemployment/freelance work.
My top financial priority is being able to put more than $25 a month into my ROTH IRA account. I am in my mid 20's, and I work for a financial planner. She has truly taught me the value of being proactive and that it is NOT too late to start planning for retirement. I want to be able to say "c'est la vie" when I'm 55.
I am helping my son pay off his student loans so he can have a life. That is the best and foremost goal for me right now.
Harley,
Best wishes and good luck! It is incredibly encouraging to read that someone has bounced back from such a difficult situation. Don't ever give up!
J. Pario
Paying off the mortgage.
I just picked my first home-grown carrots, cooked them, and just finished my first tastes. The flavor is undeniably wonderful. I have tasted nothing like them. The watered down store version/varieties will never again come to my house. My only regret is planting merely two small rows. They literally made me happy and reminded me of my childhood at my grandparents eating from their garden. Thank you for the article and confirming my taste-buds' new found love of carrots.
Unfortunately my top financial priority right now is getting a job so we can be a dual income household again.
saving as much as we can for retirement, savings and college for our 2 girls.
My top financial priority is balancing my emergency savings and college loan repayment.