Antoinette Minor – Ambassador

Antoinette Minor – Ambassador started the topic Getting Rid of Gift Cards in the forum My journey 6 years, 12 months ago

Hi All,

I’m not usually someone who holds on to gift cards. The ones I have gotten are typically for stores that I like or for things I really need. Recently, I got a gift card a few months ago for a housewarming gift and I just can’t seem to find anything worth purchasing in this store. Would you hold on to it until you can use it or sell it? I…[Read more]

Antoinette Minor – Ambassador replied to the topic Expense Trackers in the forum My journey 6 years, 12 months ago

Thanks guys! I use excel sheets for my bill payment system but I’m going to try that out with tracking my random expenses. Thanks for the tips!

Antoinette Minor – Ambassador replied to the topic Stock as a Christmas gift for kids in the forum Build your investments 6 years, 12 months ago

I like the strategy Carla has. If there is no expiration date I think it would be good to hold onto until the girls can make a decision especially if its an amount thats not too large and can wait a bit.

Antoinette Minor – Ambassador replied to the topic Making saving sexy in the forum Grow your savings 6 years, 12 months ago

I like to make challenges for myself. I love doing the 52 week money challenge because its not only something to look forward to but it acts as a guide too.

Antoinette Minor – Ambassador replied to the topic Maintenance Plans for Cars in the forum Manage your debt 6 years, 12 months ago

Thanks for your input guys. I agree with you Kelby. It just truly didn’t feel right to me and would have taken me over my budget.

Antoinette Minor – Ambassador replied to the topic Pay off Debt or Save for Retirement in the forum Manage your debt 7 years ago

I believe in doing both at the same time. Paying into your retirement can be as little as a few dollars per pay and if you are getting a match it doesn’t make sense to stop your retirement efforts just to put a few extra dollars towards your debt. That money will be much more worth it with matching and compounding interest.

I would say find a…[Read more]

Antoinette Minor – Ambassador started the topic Maintenance Plans for Cars in the forum Manage your debt 7 years ago

Hi All,

I went to purchase a car last night after turning in my lease. I had heard about the options to add on maintenance plans to your monthly payments to include repairs for the length of the loan. When it came down to it the plan was covering scheduled “maintenance check ups” that truly aren’t needed. Just another way to get you in the door…[Read more]

Antoinette Minor – Ambassador replied to the topic Is a Cash-out Refinance a Good Idea? in the forum Manage your debt 7 years ago

I think if you can take that option and the payment is significantly less than the payments your making monthly on your consumer debt it would be a good option. I would even look and see if there are any tax benefits to rolling in any of the debts to the mortgage as well.

The down side is that you may be paying more in interest since you’ll most…[Read more]

Antoinette Minor – Ambassador replied to the topic Creating Retirement Goals in the forum Save for retirement 7 years ago

I love that this plan has real examples of the things you may want to do during your retirement. It’s not just making sure the bills are paid but to actually live comfortably. Thanks for sharing!

Antoinette Minor – Ambassador started the topic Expense Trackers in the forum My journey 7 years ago

Hi All,

What are you favorite expense tracker tools, resources or strategies. I’m usually pretty good with things but lately I’m truly wondering where my money has gone.

Thanks!

Antoinette Minor – Ambassador replied to the topic Negotiating Salary in the forum My journey 7 years ago

All good points Kayla! Thank you for sharing!

Antoinette Minor – Ambassador replied to the topic Do Sales Make It Worth it? in the forum Grow your savings 7 years ago

The sales definitely have a catch and are really there so you can spend more than you intended. I will only shop a sale if I can double up on the coupons or incentives. For example, sweaters were 1/2 off and I had “store cash.” So, I got the discount plus the $15 in store cash and got the sweater for $19 opposed to the original price of $70 bucks.…[Read more]

Antoinette Minor – Ambassador replied to the topic Rate Shopping for Your Savings in the forum Grow your savings 7 years ago

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.

Antoinette Minor – Ambassador replied to the topic Is It Okay To Establish A No-Christmas Presents Rule This Year? in the forum Grow your savings 7 years ago

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]

Antoinette Minor – Ambassador started the topic Negotiating Salary in the forum My journey 7 years ago

Hi All,

I’m at a point where I need to increase my income. I know the best way is to find a new job but while I am in the process of doing so I want to ask my employer for a raise. Any tips on how I can present them with a plan and reason for increasing my pay?

Antoinette Minor – Ambassador replied to the topic Co signing a Loan in the forum Manage your debt 7 years ago

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

Antoinette Minor – Ambassador replied to the topic Holiday Traveling in the forum My journey 7 years ago

I always forget about groupon. Thanks Kayla!

Antoinette Minor – Ambassador replied to the topic Is Pet Insurance Worth It? in the forum My journey 7 years ago

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.

Antoinette Minor – Ambassador replied to the topic Officially Unsubscribing From Promotional Emails in the forum My journey 7 years ago

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

Antoinette Minor – Ambassador started the topic Co signing a Loan in the forum Manage your debt 7 years ago

Okay, I have never and hope to never co-sign on a Loan for someone. I have someone close to me that has asked. I brushed it off hoping they wouldn’t ask again but now they are asking again.

How do you say no to this type of request when it comes to loved ones? I want to be kind but I also have my own personal goals. I know if they defaulted I a…[Read more]

@antoinette