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Thanks everyone! I just wonder if I ever really do find the really good interest rate would it be reasonable to pick up and move everything lol Seems like something I may not even have to worry about for a while.

I’m doing this with my brothers and we will be splitting the cost of the gifts we get our parents this year. I think it is totally acceptable because it shouldn’t be about gift giving anyway. If they are super into giving gifts then I would just ask that they give to the baby if they really feel the need to give something.

I’m sure you won’t…[Read more]

Two days? How exciting!!! I wouldn’t stress one bit about buying Christmas gifts, since the little bundle of joy will be a gift to the entire family. We faced a similar dilemma a few years ago when our oldest was born in early November. We didn’t buy any gifts and the family understood. I’m sure that’ll be the case with you, as well. And even if…[Read more]

Oh heck no! LOL 🙂 I have zero problem asking my friends for their share of whatever it is we agree to do. I think it’s just important to communicate all of the details up front. Before you make that reservation, say, “hey…I’m gunna put this on my card, but I need you guys to pay be back within x amount of days or I’ll be hounding you.” But I…[Read more]

I think the biggest thing to keep in mind when negotiating a raise is that your employer should only give you a raise if you deserve one. Therefore, you’ve gotta go into any kind of meeting with your boss with clear examples of your successes and what makes you deserving of that raise. Did you increase sales by x percent? Did you reduce costs by x…[Read more]

Thank you, both…glad to know I’m not alone!!

Thanks Kelby for your thoughts and I’ll definitely check out that article Cara!

I always forget about groupon. Thanks Kayla!

I let my pet insurance go. I got it when she was a baby just to cover the big expenses like getting her fixed and those puppy emergencies throughout the first year. Afterwards it just wasn’t worth it. I think just put that insurance money in a little account for your pup.

My inbox on black friday was the worst! I still like to be updated on good sales and coupons so what I’ve done is continued to use my old college email address and I have all promotional emails sent there. This way I can still view the deals but when I want to and also help out the cashier who may be trying to hit an email goal. It keeps me sane lol

Hi Antoinette! I think some of Carla Dearing’s advice on lending money to family and friends might also apply to co-signing on a loan. Carla wrote about how important it is to be able to respond with a loving no when we can’t afford to do what’s being asked of us, and also to remember: there are other ways of helping besides giving financial…[Read more]

That is great advice, Kelby. It’s so hard to say no to loved ones, even when your brain knows it is the right thing to do. I never know what to say!

I had pet insurance for a while but eventually let it lapse. The premiums were fairly low and I thought at first I was getting a deal, but turns out, the coverage wasn’t all that great. In the end it didn’t seem worth the paperwork hassle. Sorry I don’t have better news.

I’ve been approached twice about co-signing on loans, once for a close friend and once for a family member. Thankfully I said no both times. Fast forward a few years and although one of them found another co-signer and the other was able to get the loan on their own, they both ended up defaulting.

Talk about dodging bullets!!

All of that to…[Read more]

Hahaha I love that analogy! The two definitely don’t mix!