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Q7: Changing spousal money habits
Here's my question - can you give some practical suggestions and tips for helping your spouse to alter their money-spending ways as well as ways to encourage them to make and follow a budget? Our situation is this: I'm a stay-at-home mom of two and my husband is the sole provider, getting around $2,800/month and several additional benefits just like a gas card, computer, business allowances, commissions, etc. We also have a rental property which brings within $1,400/month.
My reason for telling you all of this is that we make decent money and yet each and every month we're scraping by. Personally i think that a lot (but of course not every) from it has to do with my husband's spending habits (eating out, promising not to spend then doing it anyway) as well as his ability to coerce me into agreeing to purchase things (aka,[url=http://woolrichdeutschlandarcticparka.albirank.net/][b]Woolrich Parka Günstig[/b][/url], the $200 above ground pool sitting in our backyard purchased a week ago) that I know we can't afford it, since i have am "in charge" of paying the debts every month. He will let me know,[url=http://peutereyjacketsuppliers.webmium.com/][b]Peuterey Jacket[/b][/b][/url], "Don't worry, I'll obtain the money…," yet he's always a day late along with a dollar short,[url=http://parajumpersoutletjackets.webmium.com/][b]parajumpers vest[/b][/url], that has caused us to permeate some major debt. It hurts even more on the personal level because most in our bills and loans (minus his education loan) have been in my name, because when we were first married, his credit was bad and was not able to be eligible for a anything. My credit has suffered A lot and I am eager to fix it.
I do my part by shopping frugally, couponing, not really buying anything for myself, etc. I'm certain there are more areas I'm able to cut and he certainly isn't completely at fault, however i feel like I'm making an effort to pull my very own weight. Slowly, we are creeping our way to avoid it of credit card debt, but we have approximately $3,000 (from $8,000) left, a car payment, and student education loans along with about $12,[url=http://woolrichschweizch.gengfl.com/][b]Woolrich Parka Winter Woolrich Online Shop Schweiz Sale Die Gute Qualität Woolrich[/b][/url],000 in collections for a hospital bill. I'm tired of nagging him, especially because I feel guilty for nagging him about money he's earning, yet I am SICK of being stressed out constantly, especially when bills are due. I need help convincing him that we need to reform our money-spending ways, work on a financial budget and then actually stick to it!
- Catelyn
You can lead a horse to water, however, you can't lead him to drink.
Your very best approach isn't to feed him with tactics. If he doesn't care, he isn't going to rely on them. He's constantly a genuine reason for wanting to change, so that is what you need to concentrate on.
Talk about long-term goals with him. What does he desire to be doing in a few years? What's possible if he makes changes? What's going to things look like without changes?
You need to place the changes you want him to create into a context he cares about. If he doesn't internally worry about changing, it's just not going to take place.
For the last couple of months, I've been on a diet where I eat three eggs in the morning each morning. This means that every four days, Time passes via a carton of eggs. When i keep tossing them, I can't help but wonder if there's no great use for them I'm not seeing.
- Brad
We love to to use egg cartons - the paper-based ones, anyway - as firestarters. That it is pretty easy.
All that you should do is get ahold of or save the stubs of candles as well as some sawdust (friends who do woodworking will be glad to hook you up; if you don't have those, see if hardware stores have any suggestions). Just fill each well with some sawdust until it's mostly full,[url=http://parajumpersoutletjackets.webmium.com/][b]parajumpers outlet[/b][/url], then melt some candle wax on top of it, filling up the well and holding the sawdust in place.
Go ahead and take carton with you should you camp or develop a bonfire. Tear off one or two of the wells and lightweight the crooks to obtain the fire going. It works really, very well. Should you aren't into camping, provide them with to friends who're involved with it - they'll really appreciate it.
Q9: IRAs and tax rates
One thing's been bugging me lately, when i sock away increasingly more money into a Roth IRA and Roth 401(k). When I hit retirement, if 100% of my retirement earnings are in post-tax accounts, my taxable income ought to be zero. In that case,[url=http://parajumpersoutletjackets.webmium.com/][b]parajumpers bear vest outlet Hampton Roads Technology Council[/b][/url], should I be saving much more into a pre-tax accounts, like IRAs and standard 401(k)s?
It would appear that,[url=http://rogerviviershoesshoponline.webmium.com/][b]http://rogerviviershoesshoponline.webmium.com/[/b][/url], in combination with that, if my retirement income is substantially less than my employed income (since I'm saving 20% or so at this time), a typical IRA turns into a better investment since i have ought to be at much lower tax rate than I currently am while employed.
- Charlie
If you use pre-tax investments for retirement, like a 401(k), you lower your taxes now in return for paying income taxes later. If you are using post-tax investments for retirement,[url=http://woolrichdeutschlandarcticparka.albirank.net/][b]Woolrich Parka Günstig outlet[/b][/url], just like a Roth IRA, you don't lower your taxes now, but you certainly lower them later on.
Which is better? It really is dependant on whether your earnings tax will be higher now or perhaps in retirement. A lot of that has got to do with government policy within the next 3 or 4 decades,[url=http://parajumpersoutletjackets.webmium.com/][b]parajumpers jackets[/b][/url], that is really hard to calculate.
Our method of this issue is to hedge our bets. We've got some of our retirement savings in pre-tax investments and the rest in post-tax investments. Our taxes really are a bit lower now - but they're also going to be reduced retirement.
I am 4 decades old and single. I am currently used in a good-paying job and have been employed with similar company for nearly 18 years. My opportunity is currently for sale and my future is somewhat uncertain (whose isn't really?). I currently make about 4k a month in gross pay with occasional bonuses. I've about 27k in liquidity contributing to 250k inside a 401k which I bring about at it's peek rate and about 30k within an IRA. I also have about 100k inside a pension which i can roll into my IRA when the sale of my opportunity closes. I also have a second vehicle that is worth about 10k that I would like to keep for recreational purposes becasue it is a 4wd which is paid for but would sell as needed. My only debts are a more recent car with better fuel useage at 2% rate of interest with payments at $350/month and my mortgage which is at 3.75% and is at $622/month. I've about 50% equity in my home. I purchased home 10 years ago and the chronilogical age of the rooftop in those days was 15 years so my roof is Two-and-a-half decades old and is showing signs of break up. Not too long ago I had a tough estimate around 8k to replace my roof along with a friend just explained someone complain about that does re-roofs at a really good price and that i just received that estimate at $4800 that we think is really good. My problem is by using the new ownership of my opportunity that I could find myself in a position of being surplused and unemployed. So, I'm baffled as to what to do with my roof. It needs replaced but I have recently started eliminating all unnecessary expenses anticipating the worst. But, I know I'm destined for roof failure at some point in the near future. Would you replace the roof now while employed or wait until there are roof leaks (home is definitely an older home which i have done a substantial amount of upgrading to but does have plaster ceilings that I'd like to replace at some point but not until I've got a new roof, so ceiling damage isn't of great importance and concern because of the condition of the plaster). My mother says wait however i am thinking I ought to go on and replace. How would you react?
- Angela
The key is to make sure your homes roof doesn't fail before your job is on steady ground. If I were in your shoes, I'd look for a "patch it up" solution that would give you a few more years using this roof until you're in a better situation to replace it.
Are there any known leaks? What are the weak spots that may be identified? I'm not even close to a roofing expert,[url=http://wheretobuyrogerviviershoes.webmium.com/][b]where to buy roger vivier shoes buy roger vivier shoes online[/b][/url], but if you've someone who knows roofing and also you trust this person, talk to that individual about solutions that can buy a little time.
If you're as much as it, many such repairs can be achieved yourself. Here's a solid guide to minor roof repairs that will help you receive through until situations are in better shape professionally for you personally.
Got any questions? Email them to me or leave them within the comments and I'll make an effort to respond to them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive countless questions each week, so I might not necessarily be able to answer yours.
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