North Florida Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Re: s/o What would MM give you a thumbs up for?
We pay extra on mortgage, student loan, car payment, best buy, etc. It may only be $5-10 but it's still extra!
We have zero credit card debt.
We both fund our retirement the max that's matched by employer.
We keep our thermostat off until it's super hot (90*+), we use our fireplace with wood from FIL in the winter for heat.
We have zero CC debit.
We "pay ourselves first" to get savings into our account.
I have my 401k contributions set to max out my employer contribution.
We carpool together 2-3 days a week to save on gas.
We pay extra on my car loan (only a few more months left... yay!)
We paid for our Europe trip in cash
Our only debt is the house, cars and DH's student loan (which is thisclose to being paid off).
We put a good chunk of money into savings each month and both contribute over 10% to our 401k's.
When it's cold, we use our gas fireplace in place of the heater a lot, its MUCH cheaper for us.
Zero credit card debt. Pay extra on loans. We only have basic cable + Netflix, and no home phone (I realize most people don't but I'll take a pat on the back anyway). We are really good at paying debt down quickly when we have it (car payments, occasional CC debt, medical bills, etc.)
ETA: We use cloth diapers and wipes.
We both have CDs earning good rates with automatic contributions each paycheck.
DH's car is financed at 0% and my car loan rate is very low.
We have a plan to have all debt paid off except our mortgage before we TTC.
We've paid extra principle on our mtg every payment since we bough the house and make an additional 1-2 principle payments per year.
You know they're not matching anything, right? They don't start to match until after you've been here a full year.
That's not what my AE told me. He said after X amount of time, they would retroactively match all the way back.
ETA: I discussed this with him back in December because we all know how knowledgable our HR dept can be
Haha, well I was going by what our extremely knowledgable HR dept told me, so I would probably trust your AE!
Yeah. When I got hired, I got told it was 5% when you open the 401k. So between the two of us, we have 3 different responses. Awesome.
We max out our employer matched 403b.
We put a good amount in IRAs.
We have a CD ladder.
We have no CC debt.
We have six months of expenses saved.
We car pool to work almost every day.
We max out our 401ks (beyond employer match).
We max out our iras.
We've got no debt (cc's, cars or student loans) other than house debt.
We have a hefty e-fund.
We put money towards savings every month.
I suppose we would get the thumbs up for paying off our credit card every month. We also refinanced our mortgage from 30 years to 15 years with a better interest rate and more going toward principal.
How is it that my BABY is going to be 3?
BFP-2/25/11; 8 Wk U/S-3/25/11-No HB, measured 6.5 wks; D&C