SUM180 | Kayla Buell - Ambassador | Activity https://community.sum180.com/members/kayla-buell/activity/ Activity feed for Kayla Buell - Ambassador. Fri, 19 Jul 2024 11:53:52 -0800 https://buddypress.org/?v=5.1.2 en-US 30 hourly 2 e75bf25b5128ecda5cba8c1f1abb2b9a Kayla Buell - Ambassador started the topic Capsule Wardrobe - Saving Money By Not Buying Tons Of Clothes in the forum My journey https://community.sum180.com/forums/topic/capsule-wardrobe-saving-money-by-not-buying-tons-of-clothes/ Tue, 02 Jan 2018 21:57:09 -0800 Every January I go through my closet and separate clothes I haven’t worn in forever to donate to GoodWill. Today, I started that process, and it was shocking to me to see how much clothes I didn’t even remember I had – some pieces worn just once.

It’s crazy how much money we can spend on clothes. With every new season, there are tons of new…[Read more]

]]> b49cb5de639bf47e464c289111310bb4 Kayla Buell - Ambassador started the topic Savings Challenges For The New Year in the forum Grow your savings https://community.sum180.com/forums/topic/savings-challenges-for-the-new-year/ Tue, 02 Jan 2018 16:36:44 -0800 Happy New Year everyone! I’m not a huge “new years resolutions” kinda gal, but I do like to enter the new year with a financial plan to tackle over the next 12 months. This year will definitely be challenging for my husband and I as I’ll be staying home to take care of our little one and our income will be much less than what we’ve been used to.…[Read more]

]]> 444c44854d1fc71002128ed835754d72 Kayla Buell - Ambassador replied to the topic Unexpected Labor & Delivery Costs in the forum My journey https://community.sum180.com/forums/topic/unexpected-labor-delivery-costs/#post-6046 Tue, 02 Jan 2018 16:27:48 -0800 Thank you, Carla! Yes, will definitely be working on increasing that emergency fund! 🙂

]]> 99867fd9bb22f087853795ab25e0d40c Kayla Buell - Ambassador replied to the topic Stock as a Christmas gift for kids in the forum Build your investments https://community.sum180.com/forums/topic/stock-as-a-christmas-gift-for-kids/#post-6045 Tue, 02 Jan 2018 16:27:05 -0800 I love the idea of gifting kids money or some kind of investment that will grow in the future. I can’t wait for our little one to get old enough to understand the basic concepts of saving up for things and teaching her financial lessons along the way!

]]> 4d06916d3e45b5ad497b9b3322715487 Kayla Buell - Ambassador replied to the topic Getting Rid of Gift Cards in the forum My journey https://community.sum180.com/forums/topic/getting-rid-of-gift-cards/#post-6044 Tue, 02 Jan 2018 16:24:45 -0800 How cool! I didn’t know you could sell gift cards online. That definitely makes sense. No point in holding onto a card that you’ll never use when you could trade it in for something else.

]]> 896ca734b55030a9c759b511c87be2dc Kayla Buell - Ambassador replied to the topic New Year's Money Resolutions in the forum SUM180: Our story https://community.sum180.com/forums/topic/new-years-money-resolutions/#post-6043 Tue, 02 Jan 2018 16:23:40 -0800 Now that I’ll be taking care of our newborn, I’ll be cutting back on my hours meaning we’ll have a whole lot less income coming in. For that reason, we’ll be taking a much closer look at our budget and reducing as many unnecessary costs as possible.

]]> 4e072b31381e13d00d03083574a94807 Kayla Buell - Ambassador replied to the topic Maintenance Plans for Cars in the forum Manage your debt https://community.sum180.com/forums/topic/maintenance-plans-for-cars/#post-5862 Fri, 22 Dec 2017 22:43:56 -0800 I’ve heard that these aren’t worth it, but I’ve honestly never really looked into them. This is the first car I’ve purchased so prior to this one all my leases included the maintenance, but I think I’d rather pay for what I actually DO need as opposed to throwing away money every month if I don’t need to.

]]> 0c9a885858e748528099e53c5e043b66 Kayla Buell - Ambassador started the topic Unexpected Labor & Delivery Costs in the forum My journey https://community.sum180.com/forums/topic/unexpected-labor-delivery-costs/ Fri, 22 Dec 2017 22:41:19 -0800 Alright you guys. So our baby girl was born on Monday and this past week has been one of the roughest of my life. We love her tons and love that she’s finally here, but the labor and delivery process was definitely NOT what we expected.

We weren’t prepared for a lot of things that happened this week, including the fact that as soon as Riley was…[Read more]

]]> 373a00a89e63878b91791c85e344dcef Kayla Buell - Ambassador started the topic Creating Retirement Goals in the forum Save for retirement https://community.sum180.com/forums/topic/creating-retirement-goals/ Sun, 17 Dec 2017 00:06:41 -0800 I’m currently reading Chris Hogan’s book – Retire Inspired – and I just love it! One of the biggest takeaways so far has been the idea that no matter how old we are, we need to create a vision of what our retirement looks like.

Gone are the days when retirement was just for old people. Retirement isn’t something that we should only think of in…[Read more]

]]> ccc84146d83b7f9e97e42d45447f6d38 Kayla Buell - Ambassador replied to the topic Expense Trackers in the forum My journey https://community.sum180.com/forums/topic/expense-trackers/#post-5729 Sat, 16 Dec 2017 23:55:25 -0800 I’ve tried all kinds of apps but my all-time favorite way of tracking my money is on a plain old Excel spreadsheet where I have to manually enter all of our information. It’s a little tedious at times, but I find that spending a little effort putting all that info in shows me that I’m committed to keeping track of our finances and that I’m making…[Read more]

]]> fd12e98319b5ddfabe626eb13729c39e Kayla Buell - Ambassador started the topic Is It Okay To Establish A No-Christmas Presents Rule This Year? in the forum Grow your savings https://community.sum180.com/forums/topic/is-it-okay-to-establish-a-no-christmas-presents-rule-this-year/ Sun, 10 Dec 2017 18:51:08 -0800 The hubby and I are expecting our first child in um… 2 days! Anyway, over the past few months we’ve been spending like crazy because of all the expenses that come with having a baby. Given that she’s due now and Christmas is right around the corner, would it be okay to let our families know that we’re not exchanging gifts this year? Or maybe…[Read more]

]]> 37ca429617d5b97ec3178246dbd34ee9 Kayla Buell - Ambassador replied to the topic Splitting The Bill in the forum Manage your debt https://community.sum180.com/forums/topic/splitting-the-bill/#post-5587 Sun, 10 Dec 2017 18:44:14 -0800 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]

]]> c7275ee350223b8c1d3147f18ce97808 Kayla Buell - Ambassador replied to the topic Negotiating Salary in the forum My journey https://community.sum180.com/forums/topic/negotiating-salary/#post-5586 Sun, 10 Dec 2017 18:41:01 -0800 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]

]]> 5218bc9591caec7c732592f770797732 Kayla Buell - Ambassador started the topic Is Pet Insurance Worth It? in the forum My journey https://community.sum180.com/forums/topic/is-pet-insurance-worth-it/ Sun, 03 Dec 2017 18:34:49 -0800 I’m legit a crazy cat lady, obsessed with my cat, Graham, but our poor sick kitty is costing the hubby and I a fortune. He’s only about 7 years old and unfortunately he’s been diagnosed with some kidney issues, so we’re at the vet at least every two months and his treatment is averaging about $200+ every visit.

With our new baby arriving any day…[Read more]

]]> c34f2321d7b3250ccdd5736aae16d7d6 Kayla Buell - Ambassador replied to the topic Officially Unsubscribing From Promotional Emails in the forum My journey https://community.sum180.com/forums/topic/officially-unsubscribing-from-promotional-emails/#post-5412 Sun, 03 Dec 2017 18:25:27 -0800 Hahaha I love that analogy! The two definitely don’t mix!

]]> fea2242a92f04c793f1d9c65b3b51c54 Kayla Buell - Ambassador replied to the topic I thought this was supposed to be the most wonderful time of the year... in the forum My journey https://community.sum180.com/forums/topic/i-thought-this-was-supposed-to-be-the-most-wonderful-time-of-the-year/#post-5411 Sun, 03 Dec 2017 18:23:58 -0800 Yes! I’m with you right there! The other day our A/C broke and we had to come up with $300+ to fix that…then a few weeks later, our cat’s emergency vet visit set us back another $300. Definitely stresses me out when I have to deal with these unexpected expenses during the holidays, but at least you’ve got a little emergency fund that should…[Read more]

]]> 3bdd5725a257075f663bf038ba556bec Kayla Buell - Ambassador started the topic Officially Unsubscribing From Promotional Emails in the forum My journey https://community.sum180.com/forums/topic/officially-unsubscribing-from-promotional-emails/ Mon, 27 Nov 2017 03:38:12 -0800 Over the last 48ish hours, I’ve probably received over 500 emails from retailers I’ve subscribed to in the past. SAVE NOW! HURRY THIS OFFER WON’T LAST LONG! 50% OFF BLACK FRIDAY WEEKEND! That’s literally all I’ve seen in my inbox for days. And you know what? Reading those e-mails has cost me money because yea, I’m a sucker for a good deal!

After…[Read more]

]]> 0a1c1167d3ef162f0547a4f1b4e7ff8a Kayla Buell - Ambassador replied to the topic Pay off Debt or Save for Retirement in the forum Manage your debt https://community.sum180.com/forums/topic/pay-off-debt-or-save-for-retirement/#post-5196 Mon, 27 Nov 2017 03:28:31 -0800 I’m on the Dave Ramsey plan and yep – that’s what he teaches. Pay off debt before contributing to retirement. I’m currently in the same boat because I’m contributing to retirement and still have about $12k of debt left to pay (my car). I’m trying to convince my hubby to temporarily stop our retirement contributions until we’ve finished paying off…[Read more]

]]> 78e588e98e1ddaba3427f1269a810cec Kayla Buell - Ambassador replied to the topic Holiday Traveling in the forum My journey https://community.sum180.com/forums/topic/holiday-traveling/#post-5163 Sat, 25 Nov 2017 20:32:05 -0800 Oooo a pup on a plane is definitely going to be an extra expense. I have a lot of friends who swear by AirBnB to save money on their out-of-town stays. I think that sites like Groupon and Living Social also have pretty good deals on hotels too. As far as flights go, I just try to book as far in advance as possible, but I haven’t done much…[Read more]

]]> 3e34f5b5248ddd480d073fd128ebeabc Kayla Buell - Ambassador replied to the topic Rate Shopping for Your Savings in the forum Grow your savings https://community.sum180.com/forums/topic/rate-shopping-for-your-savings/#post-5162 Sat, 25 Nov 2017 20:29:40 -0800 Goodness I’ve had the same savings account since I was like 16 years old lol. When it comes to my regular banking accounts (checking/savings) the interest I earn on my savings is so little that I’ve never thought of looking to switch.

]]> eff647b702e1f5117140cb04eec175e0 Kayla Buell - Ambassador started the topic Keeping Track Of Our Christmas Shopping in the forum SUM180: Our story https://community.sum180.com/forums/topic/keeping-track-of-our-christmas-shopping/ Sun, 19 Nov 2017 22:24:37 -0800 I’m usually a hot mess when it comes to Christmas shopping. In previous years I’d simply start buying all the things whenever I came across a good deal and as the holiday approached I would gather all the gifts I’d bought and start wrapping them up. This led to me TOTALLY overspending, not knowing whether or not gifts had been delivered, because…[Read more]

]]> ba1179369d2ebb551f49d7045804196e Kayla Buell - Ambassador started the topic State of the (financial) union in the forum SUM180: Our story https://community.sum180.com/forums/topic/state-of-the-financial-union/ Sun, 19 Nov 2017 21:54:05 -0800 With the new year right around the corner (can you believe it?!) my hubby and I are preparing for our annual state of the FINANCIAL union. It might sound a little silly, but every year sometime in January we sit down to discuss our finances and how we did that year. Not only do we analyze our previous year’s spending, but we also take this…[Read more]

]]> 291ad862d18920d3165e4c98089424b4 Kayla Buell - Ambassador replied to the topic Travel Costs in the forum My journey https://community.sum180.com/forums/topic/travel-costs/#post-4991 Sun, 19 Nov 2017 21:31:37 -0800 I’ve always been a little hesitant to buy trips on Groupon or Living Social, but they always look like they have good deals. A lot of my friends use Air BNB when they travel and I’ve been told it saves them so much money when traveling.

]]> fe6c137e1dcc26be35ff1a093da93539 Kayla Buell - Ambassador replied to the topic I Asked for Bills to Be Paid for Christmas in the forum Manage your debt https://community.sum180.com/forums/topic/i-asked-for-bills-to-be-paid-for-christmas/#post-4990 Sun, 19 Nov 2017 21:29:32 -0800 OMG what an awesome idea, lady! I agree 100% that that’s better than a gift you don’t really need. I always get so stressed out about money during the holidays and this year with a new baby arriving in 2 or 3 weeks, money is definitely tight. My mom to this day still insists on buying my hubby and I at least a few things, but I always struggle to…[Read more]

]]> f62770553015b5ac4287fd67204f4711 Kayla Buell - Ambassador replied to the topic How Frugal is Too Frugal? in the forum Grow your savings https://community.sum180.com/forums/topic/how-frugal-is-too-frugal/#post-4989 Sun, 19 Nov 2017 21:26:09 -0800 I think it’s all about establishing your priorities. Obviously the conferences are important to you, but could those $1500 in savings be better spent on something other than hotel stays? If the answer is yes, then heck yea I think you’re doing the right thing by trying to find ways to save money. But yea, I definitely agree that it’s hard to…[Read more]

]]> 62c56118ebd0d2c42ab4886d610bb567 Kayla Buell - Ambassador started the topic Saving Money On Groceries With Delivery Services in the forum Grow your savings https://community.sum180.com/forums/topic/saving-money-on-groceries-with-delivery-services/ Mon, 13 Nov 2017 13:48:22 -0800 We don’t even need to go to the grocery stores these days. Technology is amazing my friends! I recently started using a service called Shipt to deliver my groceries to my house, and it’s probably the best investment I’ve ever made ($99/year subscription fee). Here’s why.

Obviously, there’s the whole convenience thing. There are times when I just…[Read more]

]]> a1f1813bcd8309443c662949a9f24eca Kayla Buell - Ambassador started the topic Having A No-Spend Weekend in the forum Grow your savings https://community.sum180.com/forums/topic/having-a-no-spend-weekend/ Mon, 13 Nov 2017 13:41:22 -0800 Is it bad that I sometimes want my husband to actually work on the weekends? Here’s the thing. It seems like when we’re both home on the weekend, we find something we suddenly need to go do or something we suddenly need to go buy that costs a lot of money. We can’t even go to Walgreens without spending over $100. LOL it’s crazy!

So the next…[Read more]

]]> c4ab94e8baf1a65cdc4a3d2d3c752fea Kayla Buell - Ambassador replied to the topic Top Money Wasters in the forum My journey https://community.sum180.com/forums/topic/top-money-wasters/#post-4782 Mon, 13 Nov 2017 04:04:17 -0800 Yep, those little subscriptions kill us big time. And yea, my hubby and iTunes are way too friendly these days. It’s so easy to think like, “oh it’s only $3.99 or $5.99 to rent a movie.” But that $5.99 can quickly turn into $40-$50 a month if you’re not careful. I definitely make it a point to watch these expenses and if I don’t see any progress…[Read more]

]]> 8670160dc241585b3b2be16609f4db77 Kayla Buell - Ambassador replied to the topic Give Back Fund in the forum My journey https://community.sum180.com/forums/topic/give-back-fund/#post-4781 Mon, 13 Nov 2017 04:01:36 -0800 You know, I wish I had more money to donate myself, but things are a little tough these days with a little one on the way. I’ve found that donating my time and donating old clothes I no longer wear are still ways I can give back without it hurting my bank account so much. That being said, I hope to eventually be at a point where I can be as…[Read more]

]]> 76c57953d8357ba39f93033bc00baf2c Kayla Buell - Ambassador replied to the topic Ways to Teach Your Kids About Saving Money in the forum Grow your savings https://community.sum180.com/forums/topic/ways-to-teach-your-kids-about-saving-money/#post-4780 Mon, 13 Nov 2017 03:57:36 -0800 I love that you’re thinking about teaching your daughter about money! Although I didn’t have a bank account myself until I was in high school, I do remember my parents teaching me about saving up for really special purchases. We’d sit down and think about one toy that I really really wanted and then they’d tell me how much that toy cost. Once I…[Read more]

]]> ef998cf8c3b78d472d69ecfc10920538 Kayla Buell - Ambassador replied to the topic Getting Back on Track in the forum My journey https://community.sum180.com/forums/topic/getting-back-on-track/#post-4561 Mon, 06 Nov 2017 20:31:14 -0800 Kelby – I feel you! The hubby and I have been totally off our budget the last few months, but it’s because we’re preparing for our new baby that’ll be arriving this December. There have been so many crazy expenses we’ve been dealing with, but I keep on telling myself that most of these are one-time purchases. Once she gets here, sure, there will…[Read more]

]]> 1fbac98b3a9c332748d49ea2e584327e Kayla Buell - Ambassador started the topic Is Black Friday/Cyber Monday Worth It? in the forum My journey https://community.sum180.com/forums/topic/is-black-fridaycyber-monday-worth-it/ Mon, 06 Nov 2017 20:28:07 -0800 Ok so here’s the deal. Every year I make it a point to do my Christmas shopping during Black Friday and Cyber Monday. But for some reason, I always end up feeling like I’ve overspent instead of having scored some awesome deals. I know there has to be some kind of psychology to this – maybe a classic case of FOMO (fear or missing out) in regards to…[Read more]

]]> d5b9b8911478d1544457765b913d194e Kayla Buell - Ambassador started the topic Compound Interest Is A Beautiful Beautiful Thing in the forum Save for retirement https://community.sum180.com/forums/topic/compound-interest-is-a-beautiful-beautiful-thing/ Wed, 18 Oct 2017 01:12:42 -0800 A year ago I left a company that I had been working for since I was 18. The company had a really great benefits program, and one of them was their focus on having their employees enroll in a 401k, or a 403b in this case since they’re considered a non-profit entity.

Anyway, long story short, when I left that job, I had roughly $55,000 in that…[Read more]

]]> fbc916ee0cd52b68e3fb34e2822e94a2 Kayla Buell - Ambassador started the topic Reducing The Costs Of Celebrations + Parties in the forum My journey https://community.sum180.com/forums/topic/reducing-the-costs-of-celebrations-parties/ Wed, 11 Oct 2017 03:39:29 -0800 With my first child arriving in December, there have been a lot of events recently that have been really expensive. We’re currently in the process of planning my baby shower, and in order to save a bit of money, we decided to host the party at my mom’s house. Most venues here in Miami, FL will charge almost $20/pp for lunch, so we thought we’d be…[Read more]

]]> d62b2105d1cae74e0ad9e4aa4ec4cb7c Kayla Buell - Ambassador started the topic Paying Off My Mortgage Seems Impossible in the forum My journey https://community.sum180.com/forums/topic/paying-off-my-mortgage-seems-impossible/ Wed, 11 Oct 2017 03:17:02 -0800 The hubby and I bought our house 2 years ago, and we’ve been paying our hefty mortgage ever since. It finally occurred to me to take a look at our actual loan statements and I was horrified when I saw how little progress we had made on our principal amount! I think in two years we’ve only paid off about $10,000 worth of our full loan amount,…[Read more]

]]> a5bdc286f9a921c73624d67ce4dce584 Kayla Buell - Ambassador replied to the topic Retail Arbitrage in the forum Manage your debt https://community.sum180.com/forums/topic/retail-arbitrage/#post-3861 Wed, 11 Oct 2017 03:07:59 -0800 Yes! My friend loves sorting through things at TJ Maxx and then resells the things she buys online. My brother does the same thing with the latest sneakers out on the market and it’s amazing to see how he’s able to make sometimes a $300-$500 profit with the click of a button. Best of luck! Definitely let us know how it goes!

]]> a3c0e70a358ce63c42d34ed7301a5bdd Kayla Buell - Ambassador replied to the topic Keeping Up With Joneses in the forum Manage your debt https://community.sum180.com/forums/topic/keeping-up-with-joneses/#post-3860 Wed, 11 Oct 2017 03:05:33 -0800 Oh man. Yea, it’s bad these days. I scroll through my Instagram account and I see all these gorgeous looking ladies with the nicest clothes and shoes and I just want to buy it all! I’m constantly having to remind myself that their life isn’t mine, and that mine is just as great without the luxury handbags. I try to focus on the great things I do…[Read more]

]]> b8067b0c5ce6315f42dde4cf2b029d8b Kayla Buell - Ambassador replied to the topic Retirement for Entrepreneurs in the forum Save for retirement https://community.sum180.com/forums/topic/retirement-for-entrepreneurs/#post-3859 Wed, 11 Oct 2017 03:03:22 -0800 Definitely a good idea to be cautious before making the jump, but if you can manage to put a good percentage of your income into an IRA or some kind of retirement account, then go for it! It’s just going to depend on how much you can actually make as an entrepreneur. There are some entrepreneurs easily managing to save for retirement while there…[Read more]

]]> 05c2d0e9c12ca381ac750e706de597bf Kayla Buell - Ambassador replied to the topic If you can't buy three, you shouldn't buy one in the forum Grow your savings https://community.sum180.com/forums/topic/if-you-cant-buy-three-you-shouldnt-buy-one/#post-3858 Wed, 11 Oct 2017 02:59:59 -0800 I’ve never heard of this but what a great idea! I’m definitely going to keep this in mind next time I’m getting ready to swipe my credit card!

]]> e9e0113dfe021178fa953940783c1d63 Kayla Buell - Ambassador replied to the topic Living Outside Means in the forum Grow your savings https://community.sum180.com/forums/topic/living-outside-means/#post-3857 Wed, 11 Oct 2017 02:59:00 -0800 OMG yes! My biggest regret as of late is having purchased a brand new car a few years ago. I still have $12,000 left to pay on my loan and every day I’m like, “Why on earth did I need a $20k+ car?” I definitely practice the “hide my money so I don’t think I have it” mantra, creating small savings accounts that money is automatically transferred…[Read more]

]]> c3546682d7c379bd55f8eecc7e50aa0e Kayla Buell - Ambassador started the topic Saving Money Vs Earning More in the forum My journey https://community.sum180.com/forums/topic/saving-money-vs-earning-more/ Thu, 28 Sep 2017 03:05:54 -0800 I love saving money. I’m the one who handles the majority of the finances in our household, and I love seeing how much money we’re spending each month and trying to find ways to cut unnecessary expenses. A lot of people probably do this. They look at their budget and they try to find ways to reduce the money that’s going out. But how about the…[Read more]

]]> 0687a25354456082789336290794e15a Kayla Buell - Ambassador replied to the topic Snowball vs Avalanche in the forum Manage your debt https://community.sum180.com/forums/topic/snowball-vs-avalanche/#post-3739 Thu, 28 Sep 2017 02:52:32 -0800 I’m such a huge Dave Ramsey fan it’s not even funny, but I can understand why you’d question this particular piece of advice. I see both sides of the issue, but I do think that psychologically there’s something to be said about paying off the smallest debt and watching as small debts get paid off and you start making progress. I don’t have much…[Read more]

]]> f8404eee6f6edcb9744f0b06a8a3a4c9 Kayla Buell - Ambassador started the topic So Many Gifts To Buy And It's Not Even Christmas! in the forum My journey https://community.sum180.com/forums/topic/so-many-gifts-to-buy-and-its-not-even-christmas/ Mon, 25 Sep 2017 00:56:45 -0800 Am I the only one who gets stressed out about gift-giving? It’s not that I don’t love my family and friends, but it seems like every other day it’s someone’s birthday or I have an event to go to (wedding, bridal shower, baby shower, etc.) that I need to buy a gift for! I wish I had all the money in the world to give the best gifts, but there’s not…[Read more]

]]> 92bbedde9110a8248f0bb5579b180e69 Kayla Buell - Ambassador replied to the topic Charitable Donations in the forum My journey https://community.sum180.com/forums/topic/charitable-donations/#post-3713 Mon, 25 Sep 2017 00:50:47 -0800 I’ve never really thought of this, but I think you just gave me that encouragement I needed to pick a couple charities that I’m really passionate about and make it a point to contribute each year. Thanks for the reminder!

]]> 9ab3033c4a5da9221fb7db653701ac93 Kayla Buell - Ambassador replied to the topic True Costs of a Pet in the forum My journey https://community.sum180.com/forums/topic/true-costs-of-a-pet/#post-3712 Mon, 25 Sep 2017 00:49:32 -0800 I have a cat, so luckily, he doesn’t really need to be walked or watched, but he does have a medical condition that costs us about $200/month and it’s really been affecting our budget. Pets are such a responsibility and yea, they can be pretty costly!

]]> 4c4a82bc0d29ca78fb6f134ee16f226e Kayla Buell - Ambassador replied to the topic My New Apartment Wish List in the forum My journey https://community.sum180.com/forums/topic/my-new-apartment-wish-list/#post-3711 Mon, 25 Sep 2017 00:48:14 -0800 You go, girl! I think that’s super helpful! I officially started to put together my baby registry the other day and I love that now I know what I need for the baby and I can slowly start chipping away at that list.

]]> d2b88476377708cf0933a9f9d8dfc05d Kayla Buell - Ambassador started the topic Hurricane Irma - The Importance of an Emergency Fund in the forum Grow your savings https://community.sum180.com/forums/topic/hurricane-irma-the-importance-of-an-emergency-fund/ Mon, 11 Sep 2017 20:58:24 -0800 I’m writing this today from Hoover, Alabama, as my hubby and I evacuated our home in Miami Florida last week to escape the potential damage of Hurricane Irma. We were certainly lucky – it seems our home only incurred minimal damage – but this entire situation has magnified the importance of having an emergency fund. There were so many people…[Read more]

]]> a0d28efd0d0a624a31c87148a1c7b328 Kayla Buell - Ambassador replied to the topic Staying Healthy Saves Money in the forum Grow your savings https://community.sum180.com/forums/topic/staying-healthy-saves-money/#post-3580 Mon, 11 Sep 2017 20:52:21 -0800 What a good point! I used to work at a hospital and one of the things they used to focus on a lot is employee wellness initiatives. They certainly understood that the healthier their employees, the less costly their care, so healthy employees = a win-win for everyone.

]]> f4aa9ebe8f8790dcc04ae386faec6b90 Kayla Buell - Ambassador replied to the topic Choosing a Job for the Retirement Package in the forum Save for retirement https://community.sum180.com/forums/topic/choosing-a-job-for-the-retirement-package/#post-3579 Mon, 11 Sep 2017 20:50:54 -0800 I definitely got lucky early on in my career as my first employer (spent 6 years there) had a very good retirement package that matched a very good percentage of whatever I put in. It helped me get the ball rolling before the age of 30, which meant that compared to most people my age, I’m doing pretty well. Certainly a factor I’d consider the next…[Read more]

]]> e7c3ddf222d2321027515c884a131d3c Kayla Buell - Ambassador started the topic Cash vs Credit Card in the forum My journey https://community.sum180.com/forums/topic/cash-vs-credit-card/ Wed, 30 Aug 2017 02:39:00 -0800 I’ve always been a fan of using credit cards. Not in an irresponsible way, but in a way that allows you to earn points for purchases you would be making anyway. I have one really great travel rewards card that I earn travel credit with, and that’s pretty much the card I use to pay for everything and then I pay it off at the end of the month. This…[Read more]

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