Tell Us Tuesday - Poll Edition

Tarah716 · May 2011

Do you find you're living paycheck to paycheck? Or are you set enough where there is plenty left over after the bills are paid to have "fun" with or put into savings - or both.

[Poll]

mary811 · May 2011

We are set, but having a baby has changed the amounts we put into our vacation and house renovation accounts. We never had these kinds of expenses before, and day care is a mortgage payment in itself. Thank God we stocked our efund before he came!

kjewell · May 2011

When H was around we were definately not, but now that I am on my own things are going to be a little tighter. I am still trying to put some in savings no matter how little.

Pookums · May 2011

Since we are saving like mad these days it feels sort of like we are check to check sometimes. LOL

KBabySmiles · May 2011

Things were SUPER tight the past year or so with being in the red on our condo every month. Now that we have started the short sale process things are going to get easier and we won't be in the negative every month. We won't have extra money every month, but we'll be putting money into savings a retirement again.

Tarah716 · May 2011

We are - we drained our savings when Jason was out of a job for 8 months. The last month before he found a job we were really struggling to make ends meet. So now we've been play catch up and now that Dayne is here - there is a whole other expense.

We've been so lucky that his parents have offered to watch him full time and keep extending that offer so we don't have to shell out for daycare which is saving us a bundle! Once we get all caught up I know the paycheck to paycheck days will hopefully be over.

Mrs.NGM · May 2011

We're not living paycheck to paycheck, but it feels like it lately since we have certain goals we want to hit well before the babies arrive (have plenty saved up to cover my leave, have an extra $1k set aside in case the babies are in the hospital longer than I am and we need to use the family deductible, pay off my car, have our porch re-done, etc.).

Melgor78 · May 2011

Were not living pay check to pay check but there never seems to be enough to go around. Any extra is still going to pay off the wedding and since I'm not working we are on a tight budget.

cwimer6154 · May 2011

We are finally in a position (after the wedding) that we are comfortable and have a solid savings account. We realize that we are some of the lucky few who can live like that. In our families and circle of friends, we are in the minority.

notthebride123 · May 2011

I voted SS.

I feel like we live check to check, but in reality we are putting money into savings before we even bring it home, so we are ok. We generally don't have money left over at the end of the pay period, but we have two savings accounts we contribute to each check and DH's retirement account at work is maxed out. I think if I figured it out, we save at least 10% of our gross income between all these accounts. We would love to save more but it's not happening anytime soon with student loan payments, a car payment, and soon a new baby. I feel like we are check to check when it comes time to pay for things like plane tickets or big one-time house expenses (over $400ish).

So what do you call that? DH thinks we are in dire straights, haha, but I have lived truly check to check before when I was single and I think we are ok now. Sure we could be better, but we are fine.

boogerbearoriginal · May 2011

We put money each paycheck into various savings accts as if it were another bill we have to pay so technically no. Although it feels like we're living paycheck to paycheck because we don't have tons of disposable income after bills/savings are paid.

But if one of us were to lose our job we'd be in a serious financial bind within 6-12 months (assuming no income during that time - obviously unemployment/part time work flipping burgers would help extend that time frame). I'd definitely like to have a lot more in savings than what we have but buying a house took a big bite out that's taking us time to restore.

Ellbell · May 2011

We dont technically live paycheck to paycheck but we also dont spend too much unecessarily. We put money towards both of our 401K, loose money on our rental. So at the end of the month I guess we could do extra stuff but we choose not to. We are okay but I do worry about having a child one day, I dont know that we are prepared to completely change our lifestyle and start making a boat payment (DH says daycare is like his "dream boat" payment).

Mrs.CFH2 · May 2011

We were doing great, and had worked pretty hard to get ourselves in a good position before Cam was born. Unfortunately, my company started tanking around October and they owe me a lot of money right now. It's getting stressful now. We still have money in savings buy if I don't get that money, we will have to dip into to pay for some things in a few months...which also stresses me out. However, we spend within our means and on a regular basis do not live paycheck to paycheck. We have also got our spending, including saving, down to just what H makes, so even if I don't work again, we are set. This, takes away some of the stress.

MrsLokiAngel · May 2011

We are pretty lucky to have good jobs. We don't live paycheck to paycheck, we usually have some money to put away each month, but the new car will take away some of that.

Basebalbride · May 2011

We had a very nice savings so H left his job to go back to school full time, that was for 2 1/2 years so we had to take a huge chunk out of savings, so I started a side company to help offset taking from savings. We got to a point where we did not have to take from savings at all, except maybe to float me a week and then I would replenish, I was pretty proud of this. Now that H is working again, we are not pay check to pay check but eager to fill back up that savings and pay off cars and everything like that-we just need to find our groove now with finally having two incomes

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