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	<title>SUM180 | Stacey Daprile - Ambassador | Activity</title>
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				<title>Stacey Daprile - Ambassador replied to the topic So Many Gifts To Buy And It&#039;s Not Even Christmas! in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/so-many-gifts-to-buy-and-its-not-even-christmas/#post-3717</link>
				<pubDate>Mon, 25 Sep 2017 13:36:09 -0800</pubDate>

									<content:encoded><![CDATA[<p>It really adds up! I am always on the lookout for great deals and sock the gifts away in my gift closet ready for the giving. Certificates for babysitting for friends with children is always appreciated &#8211; allowing fiends a night out without the littles is priceless! Sharing a favorite book you have read along with a plate of cookies could be super&hellip;<span class="activity-read-more" id="activity-read-more-1594"><a href="https://community.sum180.com/forums/topic/so-many-gifts-to-buy-and-its-not-even-christmas/#post-3717" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic So Many Gifts To Buy And It&#039;s Not Even Christmas! in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/so-many-gifts-to-buy-and-its-not-even-christmas/#post-3717</link>
				<pubDate>Mon, 25 Sep 2017 13:36:09 -0800</pubDate>

									<content:encoded><![CDATA[<p>It really adds up! I am always on the lookout for great deals and sock the gifts away in my gift closet ready for the giving. Certificates for babysitting for friends with children is always appreciated &#8211; allowing fiends a night out without the littles is priceless! Sharing a favorite book you have read along with a plate of cookies could be super&hellip;<span class="activity-read-more" id="activity-read-more-1593"><a href="https://community.sum180.com/forums/topic/so-many-gifts-to-buy-and-its-not-even-christmas/#post-3717" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Staying Healthy Saves Money in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/staying-healthy-saves-money/#post-3624</link>
				<pubDate>Sun, 17 Sep 2017 04:57:40 -0800</pubDate>

									<content:encoded><![CDATA[<p>Antoinette, I would love to have that type of health insurance. Josh, it is like they say, &#8220;Better to pay the farmer than the pharmacist.&#8221; 🙂 Kayla, It is nice that companies have begun to realize that healthy employees are good for the balance sheet. My school has brought in a yoga teacher for us to have free yoga classes on campus after school.&hellip;<span class="activity-read-more" id="activity-read-more-1573"><a href="https://community.sum180.com/forums/topic/staying-healthy-saves-money/#post-3624" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Choosing a Job for the Retirement Package in the forum Save for retirement</title>
				<link>https://community.sum180.com/forums/topic/choosing-a-job-for-the-retirement-package/#post-3586</link>
				<pubDate>Tue, 12 Sep 2017 13:50:25 -0800</pubDate>

									<content:encoded><![CDATA[<p>I unfortunately chose my career position based on lifestyle first. Meaning I spent 15 years teaching at a private school because my own children attended this school.The school was a wonderful place to teach and for my children to learn. Having the same schedule and being at the same school made working and parenting easier to balance. But private&hellip;<span class="activity-read-more" id="activity-read-more-1563"><a href="https://community.sum180.com/forums/topic/choosing-a-job-for-the-retirement-package/#post-3586" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Hurricane Irma - The Importance of an Emergency Fund in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/hurricane-irma-the-importance-of-an-emergency-fund/#post-3585</link>
				<pubDate>Tue, 12 Sep 2017 13:38:20 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kayla, I am so happy that you and your hubby are fine! How very scary the weather has been! My heart has gone out to all of those affected by both hurricanes. Yes, those emergency funds are important. I have heard so many people talk on the news of simply not having the money to evacuate or prepare throughly. </p>
<p>And now the clean-up and rebuilding.&hellip;<span class="activity-read-more" id="activity-read-more-1562"><a href="https://community.sum180.com/forums/topic/hurricane-irma-the-importance-of-an-emergency-fund/#post-3585" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic Staying Healthy Saves Money in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/staying-healthy-saves-money/</link>
				<pubDate>Mon, 11 Sep 2017 13:37:05 -0800</pubDate>

									<content:encoded><![CDATA[<p>Last week I headed to the doctor’s for my annual exam. As I walked out the door, I stopped to see if I needed to pay my copay. The receptionist nodded her head saying that my well-care visit was covered by insurance. That got me thinking about how much being healthy and being proactive with health care can help us save money. Keeping my biannual v&hellip;<span class="activity-read-more" id="activity-read-more-1554"><a href="https://community.sum180.com/forums/topic/staying-healthy-saves-money/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Cheap or Free Family Outings in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/cheap-or-free-family-outings/#post-3569</link>
				<pubDate>Mon, 11 Sep 2017 13:33:38 -0800</pubDate>

									<content:encoded><![CDATA[<p>Cara, those Sunday car drives to no where in particular was a staple as I grew up 🙂 I have wonderful memories of those days. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic Its The Little Things in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/its-the-little-things/#post-3522</link>
				<pubDate>Mon, 04 Sep 2017 16:12:35 -0800</pubDate>

									<content:encoded><![CDATA[<p>I agree &#8211; the little things really add up, and it is hard to find the right balance. I find that this is when having that set budget comes in handy. While it might feel like deprivation, if I only have x amount of money set aside for the little things &#8211; I pick and choose much more carefully.</p>
<p>I agree &#8211; it is hard!</p>
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				<title>Stacey Daprile - Ambassador started the topic Cheap or Free Family Outings in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/cheap-or-free-family-outings/</link>
				<pubDate>Mon, 04 Sep 2017 16:05:52 -0800</pubDate>

									<content:encoded><![CDATA[<p>We moved to California from the midwest when I was just a young child. At the same time, my dad was busy starting a new business, so to say that the money was sparse in our family would be an understatement. My parents though love to be out and about. Maybe it was the California sunshine after spending a lifetime with winter blizzards, but&hellip;<span class="activity-read-more" id="activity-read-more-1541"><a href="https://community.sum180.com/forums/topic/cheap-or-free-family-outings/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Dating on a Budget in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/dating-on-a-budget/#post-3519</link>
				<pubDate>Mon, 04 Sep 2017 14:52:12 -0800</pubDate>

									<content:encoded><![CDATA[<p>Antoinette, dating can get expensive! Dinner and a movie can really add up. One less expensive alternative is meeting up for appetizers and a drink during happy hour, coffee and breakfast in the morning, or plan a picnic at the beach. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic Pay Yourself First in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/pay-yourself-first/#post-3518</link>
				<pubDate>Mon, 04 Sep 2017 14:48:27 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kayla, I keep thinking that I should set up a Christmas fund. With six kids, it always stretches our budget. The presents, the food, the decorations, and entertaining adds up super fast! </p>
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				<title>Stacey Daprile - Ambassador started the topic Pay Yourself First in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/pay-yourself-first/</link>
				<pubDate>Thu, 24 Aug 2017 16:56:31 -0800</pubDate>

									<content:encoded><![CDATA[<p>The best financial advice that I ever received was to simply pay myself first. Simple advice, but not always so easy in reality. What makes this challenging is that it always seems that after the bills are paid &#8211; the rent/mortgage, groceries, utilities, transportation, debt payments &#8211; all the money is gone. </p>
<p>But I have seen that this is really&hellip;<span class="activity-read-more" id="activity-read-more-1515"><a href="https://community.sum180.com/forums/topic/pay-yourself-first/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic I Asked for Rentals and was Encouraged to Buy... in the forum Buy a house</title>
				<link>https://community.sum180.com/forums/topic/i-asked-for-rentals-and-was-encouraged-to-buy/#post-3383</link>
				<pubDate>Sun, 20 Aug 2017 00:08:43 -0800</pubDate>

									<content:encoded><![CDATA[<p>Real estate can be a great investment &#8211; if you are willing to hold it long term. Right now housing prices are climbing, and in my area there is high demand. The houses that go onto the market are selling fast. But that is not always the case. When I went trough my divorce and we had to sell our family home in 2009, the prices were seriously&hellip;<span class="activity-read-more" id="activity-read-more-1504"><a href="https://community.sum180.com/forums/topic/i-asked-for-rentals-and-was-encouraged-to-buy/#post-3383" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic Dollar Cost Averaging in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/dollar-cost-averaging/</link>
				<pubDate>Sat, 19 Aug 2017 23:10:28 -0800</pubDate>

									<content:encoded><![CDATA[<p>When it comes to investing everyone wants to buy low and sell high. If we could find the magic to always make that happen &#8211; we would all be sitting pretty. Since I don’t have that kind of magic, I stick to a simple investment strategy called dollar-cost averaging. In plain language, dollar-cost averaging is investing the same amount on a set s&hellip;<span class="activity-read-more" id="activity-read-more-1503"><a href="https://community.sum180.com/forums/topic/dollar-cost-averaging/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Experience vs. Possessions in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/experience-vs-possessions/#post-3380</link>
				<pubDate>Sat, 19 Aug 2017 20:41:12 -0800</pubDate>

									<content:encoded><![CDATA[<p>I whole-heartedly believe in experiences over possessions! Keep in mind that all experiences do not need to be the big ticket trip somewhere exotic. Experiences also include an afternoon massage, attending a sporting event, a free concert in the park, and a morning hike up to a beautiful ridge to take in the view. </p>
<p>The thing about taking the time&hellip;<span class="activity-read-more" id="activity-read-more-1502"><a href="https://community.sum180.com/forums/topic/experience-vs-possessions/#post-3380" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Boosting Savings with a Garage Sale in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/boosting-savings-with-a-garage-sale/#post-3379</link>
				<pubDate>Sat, 19 Aug 2017 20:27:39 -0800</pubDate>

									<content:encoded><![CDATA[<p>I haven&#8217;t had a garage sale in a long time, but the key to success was setting up and being ready early. Serious hunters start their day early! Good luck!</p>
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				<title>Stacey Daprile - Ambassador replied to the topic Winning the Lottery in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/winning-the-lottery/#post-3378</link>
				<pubDate>Sat, 19 Aug 2017 20:24:47 -0800</pubDate>

									<content:encoded><![CDATA[<p>I love that you would be generous! I think setting up my own charitable foundation would be the best. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic Life Changes in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/life-changes/#post-3306</link>
				<pubDate>Sat, 12 Aug 2017 16:07:24 -0800</pubDate>

									<content:encoded><![CDATA[<p>Josh, when I went through my divorce and needed to move and set up a new household I gave myself a strict cash budget. Money was very tight and uncertain at that time. But I did go out and buy new furniture and decor to set up and make my new place feel like home. It was important to me to set up my new life and feel good about it. So while I was&hellip;<span class="activity-read-more" id="activity-read-more-1473"><a href="https://community.sum180.com/forums/topic/life-changes/#post-3306" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic My Financial Plan Gives Me Confidence in the forum Save for retirement</title>
				<link>https://community.sum180.com/forums/topic/my-financial-plan-gives-me-confidence/#post-3305</link>
				<pubDate>Sat, 12 Aug 2017 15:57:49 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kayla, I totally think that you are on the right track! That fact that consistent savings is part of your plan is what will get you there.  </p>
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				<title>Stacey Daprile - Ambassador started the topic Winning the Lottery in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/winning-the-lottery/</link>
				<pubDate>Sat, 12 Aug 2017 15:31:48 -0800</pubDate>

									<content:encoded><![CDATA[<p>How many of you buy lottery tickets? I do. Not on a consistent basis, but I do buy tickets from time to time. Today someone is waking up as a brand new multi-millionaire! A winning ticket to last nights Mega Millions was sold in Illinois and that winner won an estimated 393 million dollars!! Wow! </p>
<p>Winning the lottery ticket is not part of my&hellip;<span class="activity-read-more" id="activity-read-more-1471"><a href="https://community.sum180.com/forums/topic/winning-the-lottery/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Does It Really Matter Where You Go To College? in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/does-it-really-matter-where-you-go-to-college/#post-3243</link>
				<pubDate>Thu, 03 Aug 2017 22:10:56 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kayla, we now have four college graduates &#8211; two more to go! I can say that the school choices affected the experiences that they were afforded and in that way, the school choice made a difference. Now, I also think that students are offered amazing experiences at many, many colleges and universities. It is all about taking advantage of the&hellip;<span class="activity-read-more" id="activity-read-more-1458"><a href="https://community.sum180.com/forums/topic/does-it-really-matter-where-you-go-to-college/#post-3243" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic Money Saving Travel Tips Needed! in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/money-saving-travel-tips-needed/</link>
				<pubDate>Thu, 03 Aug 2017 21:43:01 -0800</pubDate>

									<content:encoded><![CDATA[<p>I love to travel and a huge chunk of our budget is spent on traveling. I will forgo lots of material things and stretch our grocery budget to the max, just to afford our trips. I really work hard to maximize our travel budget as best as I can.  </p>
<p>Unfortunately, I always seem to spend more on our trips &#8211; once I am in the travel mode &#8211; than I had&hellip;<span class="activity-read-more" id="activity-read-more-1457"><a href="https://community.sum180.com/forums/topic/money-saving-travel-tips-needed/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador commented on the post, Car loans: 5 tips for managing car-related debt so you do not overspend</title>
				<link>https://community.sum180.com/car-loan/#comment-207</link>
				<pubDate>Thu, 03 Aug 2017 21:06:41 -0800</pubDate>

									<content:encoded><![CDATA[<p>Great tips! My car currently has 163,000 miles on it and I know that in about a year&#8217;s time I will be looking for a new one. I&#8217;m trying to really plan ahead for this one.</p>
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				<title>Stacey Daprile - Ambassador replied to the topic Learning to Not Splurge in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/learning-to-not-splurge/#post-3216</link>
				<pubDate>Tue, 01 Aug 2017 19:45:26 -0800</pubDate>

									<content:encoded><![CDATA[<p>Antoinette, money used to burn a hole right through my pockets every time I had cash! It is just something that over time I have had to learn to resist. The thought of paying myself first &#8211; and making a deposit to a savings account, is what has helped me. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic My Financial Plan Gives Me Confidence in the forum Save for retirement</title>
				<link>https://community.sum180.com/forums/topic/my-financial-plan-gives-me-confidence/#post-3215</link>
				<pubDate>Tue, 01 Aug 2017 19:40:23 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kelby, you are right! Structure is so important in helping us stay on track. </p>
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				<title>Stacey Daprile - Ambassador started the topic My Financial Plan Gives Me Confidence in the forum Save for retirement</title>
				<link>https://community.sum180.com/forums/topic/my-financial-plan-gives-me-confidence/</link>
				<pubDate>Fri, 28 Jul 2017 14:44:55 -0800</pubDate>

									<content:encoded><![CDATA[<p>Recently I was chatting with two of my friends about retirement. One friend is currently retired and the other, like me, is still working and has one child in high school and one in college. The conversation went something along these lines. </p>
<p>Retired friend, “It feels weird spending money each month and knowing that our accounts are now being d&hellip;<span class="activity-read-more" id="activity-read-more-1431"><a href="https://community.sum180.com/forums/topic/my-financial-plan-gives-me-confidence/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Saving For Baby&#039;s College in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/saving-for-babys-college/#post-3181</link>
				<pubDate>Thu, 27 Jul 2017 14:18:05 -0800</pubDate>

									<content:encoded><![CDATA[<p>Congratulations! I bet you now have baby names swirling through your head! We used both 529 accounts and UGMA accounts for my kids&#8217; college savings. It was nice to have a balance, but the 529 seems to be the best way to go at this time. The best advice is to start early.The time really does fly by faster than you will ever realize. </p>
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				<title>Stacey Daprile - Ambassador started the topic My Financial Yearly Check Up in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/my-financial-yearly-check-up/</link>
				<pubDate>Thu, 20 Jul 2017 15:53:55 -0800</pubDate>

									<content:encoded><![CDATA[<p>I just received an email from my money manager (the one that oversees most of my retirement accounts) to set up our yearly check up. I love that they are always on top of this and contact me. We get together every August to review account allocation and past growth. We also talk a lot about the kids, my job and income, and any changes over the&hellip;<span class="activity-read-more" id="activity-read-more-1421"><a href="https://community.sum180.com/forums/topic/my-financial-yearly-check-up/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Have you heard of the Diderot Effect? in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/have-you-heard-of-the-diderot-effect/#post-3138</link>
				<pubDate>Thu, 20 Jul 2017 04:10:10 -0800</pubDate>

									<content:encoded><![CDATA[<p>I find it is easy for me to get sucked in! I now know to be more aware.</p>
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				<title>Stacey Daprile - Ambassador replied to the topic Have you heard of the Diderot Effect? in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/have-you-heard-of-the-diderot-effect/#post-3138</link>
				<pubDate>Thu, 20 Jul 2017 04:10:10 -0800</pubDate>

									<content:encoded><![CDATA[<p>I find it is easy fro me to get sucked in! I now know to be more aware.</p>
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				<title>Stacey Daprile - Ambassador replied to the topic Multiple Savings Accounts in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/multiple-savings-accounts/#post-3137</link>
				<pubDate>Thu, 20 Jul 2017 03:57:14 -0800</pubDate>

									<content:encoded><![CDATA[<p>I have never done this &#8211; for me, it would just be too much to manage. Although, I have been tempted many times to set up a Christmas account. If I were to set up a separate savings account it would be for the holidays. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic Investment Property First? in the forum Buy a house</title>
				<link>https://community.sum180.com/forums/topic/investment-property-first/#post-3136</link>
				<pubDate>Thu, 20 Jul 2017 03:54:55 -0800</pubDate>

									<content:encoded><![CDATA[<p>I think if you can find the right property, a duplex is a great idea!~ I have a friend that did this and the rental half is really helping her with the ownership. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic We Wrote Our Personal Financial Mission Statement in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/we-wrote-our-personal-financial-mission-statement/#post-3008</link>
				<pubDate>Mon, 10 Jul 2017 17:06:17 -0800</pubDate>

									<content:encoded><![CDATA[<p>For us the conversations were hard &#8211; hard in the sense of coming to agreement and really putting into words what we both envision for our future. It has taken multiple conversations to get to this point. But every step seems to be valuable. While I think we set a rather large goal for us &#8211; it will definitely affect our lifestyle, it has given us&hellip;<span class="activity-read-more" id="activity-read-more-1402"><a href="https://community.sum180.com/forums/topic/we-wrote-our-personal-financial-mission-statement/#post-3008" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic Have you heard of the Diderot Effect? in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/have-you-heard-of-the-diderot-effect/</link>
				<pubDate>Mon, 10 Jul 2017 16:57:10 -0800</pubDate>

									<content:encoded><![CDATA[<p>The Diderot Effect is a totally new concept to me in the sense that I have never heard this term before, but I am fascinated because I have fallen victim to this effect many times. The Diderot Effect is a social phenomenon that causes you to spend more money. Yep, it is the name of the situation where you buy one item, and then that purchase&hellip;<span class="activity-read-more" id="activity-read-more-1401"><a href="https://community.sum180.com/forums/topic/have-you-heard-of-the-diderot-effect/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic We Wrote Our Personal Financial Mission Statement in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/we-wrote-our-personal-financial-mission-statement/</link>
				<pubDate>Fri, 07 Jul 2017 21:50:53 -0800</pubDate>

									<content:encoded><![CDATA[<p>As I said last week, my husband and I decided to write a Personal Financial Mission Statement. This was a bit trickier than I originally thought it would be! But I love all of the conversations that took place over the course of the week. We actually started our talks while hiking last weekend and shared with each other what we wanted for our&hellip;<span class="activity-read-more" id="activity-read-more-1393"><a href="https://community.sum180.com/forums/topic/we-wrote-our-personal-financial-mission-statement/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Bringing in More Income in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/bringing-in-more-income/#post-2983</link>
				<pubDate>Fri, 07 Jul 2017 21:26:16 -0800</pubDate>

									<content:encoded><![CDATA[<p>I hear you Antoinette! Five years ago I left a job that I loved because it simply did not pay enough, and in life &#8211; money does matter. Fortunately, I have come to love this job just as much. I admit it took some time to build the relationships that make going to work feel so good. The thing is I am a teacher, so the pay is not that phenomenal&hellip;<span class="activity-read-more" id="activity-read-more-1392"><a href="https://community.sum180.com/forums/topic/bringing-in-more-income/#post-2983" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Writing a Personal Financial Mission Statement in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/writing-a-personal-financial-mission-statement/#post-2978</link>
				<pubDate>Fri, 07 Jul 2017 16:18:35 -0800</pubDate>

									<content:encoded><![CDATA[<p>Thanks, Antoinette. The students worked really hard. I was super proud of each and every one of them! I love that you are going to have your clients develop a mission statement. I think they are very powerful in helping us stay focused. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic How we compromised on a big purchase in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/how-we-compromised-on-a-big-purchase/#post-2964</link>
				<pubDate>Thu, 06 Jul 2017 15:45:30 -0800</pubDate>

									<content:encoded><![CDATA[<p>It is hard when we have different money personalities! Sounds like you manage it well. Yes, he really is enjoying his &#8220;new&#8221; car!</p>
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				<title>Stacey Daprile - Ambassador replied to the topic That&#039;s It...I&#039;m Doing It...I&#039;m Paying Off My Furniture in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/thats-it-im-doing-it-im-paying-off-my-furniture/#post-2945</link>
				<pubDate>Mon, 03 Jul 2017 21:35:41 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kayla, I feel that it is always important to have your emergency savings held sacred. At 0% interest the debt is not costing you anything, and if you are earning interest on the savings you are money ahead. If the debt is costing more than you can earn, then I&#8217;d say pay off the debt. </p>
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				<title>Stacey Daprile - Ambassador started the topic Writing a Personal Financial Mission Statement in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/writing-a-personal-financial-mission-statement/</link>
				<pubDate>Sat, 01 Jul 2017 18:45:54 -0800</pubDate>

									<content:encoded><![CDATA[<p>Our recent car purchase, where my husband and I were able to come to a <a href="https://community.sum180.com/forums/reply/2918/" rel="nofollow">compromise</a>, got me thinking about writing a personal financial mission statement.  I am a teacher and this last year my students ran a used book store as a vehicle to raise money for a local charity. (They raised over $1,700!) One of the first things we did as a class was to&hellip;<span class="activity-read-more" id="activity-read-more-1384"><a href="https://community.sum180.com/forums/topic/writing-a-personal-financial-mission-statement/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Packing One Meal A Day To Save Some $$$ in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/packing-one-meal-a-day-to-save-some/#post-2930</link>
				<pubDate>Sat, 01 Jul 2017 18:19:13 -0800</pubDate>

									<content:encoded><![CDATA[<p>Kayla, I teach school in a rural area so I have no choice but to pack a meal every day. With only 40 minutes for lunch, students that want to meet with me during that time, and nothing within 15 minutes of campus &#8211; there is no choice. 🙁 I always keep a stash of emergency food items for the mornings that get too hectic to pack something &#8211; soups,&hellip;<span class="activity-read-more" id="activity-read-more-1383"><a href="https://community.sum180.com/forums/topic/packing-one-meal-a-day-to-save-some/#post-2930" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic How we compromised on a big purchase in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/how-we-compromised-on-a-big-purchase/</link>
				<pubDate>Thu, 22 Jun 2017 21:02:43 -0800</pubDate>

									<content:encoded><![CDATA[<p>Last weekend my husband and I bought a car! As I have shared with you <a href="https://community.sum180.com/forums/topic/saving-for-a-new-car/" rel="nofollow">recently</a>, I knew we would be in the car market, but I was thinking next year. Buying a car next year would give us the time to save. Plus I was thinking it would be a year when we would need to replace my car, not getting a car for my husband. Ah, as we all know &#8211; sometimes life&hellip;<span class="activity-read-more" id="activity-read-more-1370"><a href="https://community.sum180.com/forums/topic/how-we-compromised-on-a-big-purchase/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic I Paid for a Vacation in Cash for the First Time in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/i-paid-for-a-vacation-in-cash-for-the-first-time/#post-2833</link>
				<pubDate>Tue, 20 Jun 2017 14:22:18 -0800</pubDate>

									<content:encoded><![CDATA[<p>Congratulations! Your planning and hard work paid off! This might be your most enjoyable vacation ever as you will not have any of those nagging feelings of worry or stress each time you make a purchase. It is all paid for. Enjoy your travels!</p>
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				<title>Stacey Daprile - Ambassador replied to the topic Financial Wisdom From My Dad in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/financial-wisdom-from-my-dad/#post-2832</link>
				<pubDate>Tue, 20 Jun 2017 14:16:37 -0800</pubDate>

									<content:encoded><![CDATA[<p>Carla, your dad had a wonderful message! Fair and honest is the best way to live a life and run a business. The two go hand-in-hand. </p>
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				<title>Stacey Daprile - Ambassador replied to the topic Help! How do you go about finding the right Financial Advisor? in the forum Plan your retirement</title>
				<link>https://community.sum180.com/forums/topic/help-how-do-you-go-about-finding-the-right-financial-advisor/#post-2824</link>
				<pubDate>Fri, 16 Jun 2017 13:34:24 -0800</pubDate>

									<content:encoded><![CDATA[<p>Suzanne, we basically use two advisors in our home. We are a blended family and both my husband and I had our own advisors before we wed and since we are both happy with who we have worked with we have not merged. My husband&#8217;s advisor is your traditional advisor with a brokerage firm. This man calls at least twice a year and comes to our home for&hellip;<span class="activity-read-more" id="activity-read-more-1345"><a href="https://community.sum180.com/forums/topic/help-how-do-you-go-about-finding-the-right-financial-advisor/#post-2824" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador replied to the topic Help! How do you go about finding the right Financial Advisor? in the forum Plan your retirement</title>
				<link>https://community.sum180.com/forums/topic/help-how-do-you-go-about-finding-the-right-financial-advisor/#post-2824</link>
				<pubDate>Fri, 16 Jun 2017 13:34:24 -0800</pubDate>

									<content:encoded><![CDATA[<p>Suzanne, we basically us two advisors in our home. We are a blended family and both my husband and I had our own advisors before we wed and since we are both happy with who we have worked with we have not merged. My husband&#8217;s advisor is your traditional advisor with a brokerage firm. This man calls at least twice a year and comes to our home for a&hellip;<span class="activity-read-more" id="activity-read-more-1343"><a href="https://community.sum180.com/forums/topic/help-how-do-you-go-about-finding-the-right-financial-advisor/#post-2824" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic Financial Wisdom From My Dad in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/financial-wisdom-from-my-dad/</link>
				<pubDate>Fri, 16 Jun 2017 04:42:46 -0800</pubDate>

									<content:encoded><![CDATA[<p>When I was 12 years old, my dad helped me setup my own t-shirt business; my brother and I  sold t-shirts on the weekend at a local flea market. Every weekend, my dad would walk us through an expense report and income statement and teach us how to fill out the bank deposit slip. He taught us how to pay ourselves $10 a week, reinvest a portion into&hellip;<span class="activity-read-more" id="activity-read-more-1342"><a href="https://community.sum180.com/forums/topic/financial-wisdom-from-my-dad/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador started the topic Consolidating Retirement Accounts in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/consolidating-retirement-accounts/</link>
				<pubDate>Wed, 07 Jun 2017 07:53:18 -0800</pubDate>

									<content:encoded><![CDATA[<p>I have a number of different retirement accounts. Part of this is due to job changes and part of this is due to choice. I have four different 401ks or IRAs with three different institutions. My husband has two accounts with another two different institutions. That means between the two of us there are six accounts at five separate financial&hellip;<span class="activity-read-more" id="activity-read-more-1333"><a href="https://community.sum180.com/forums/topic/consolidating-retirement-accounts/" rel="nofollow">[Read more]</a></span></p>
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				<title>Stacey Daprile - Ambassador commented on the post, Rent vs. Buy:  Different Rules For Divorce</title>
				<link>https://community.sum180.com/rent-vs-buy-different-rules-for-divorce/#comment-182</link>
				<pubDate>Mon, 05 Jun 2017 13:28:11 -0800</pubDate>

									<content:encoded><![CDATA[<p>I stayed in our family home for the first year. At that time &#8211; it was for the kids. But then the more I looked at the finances, I knew that I could just not do it. The thing was, my ex really wanted me to stay in [&hellip;]</p>
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				<title>Stacey Daprile - Ambassador replied to the topic Upgrades that increase your home value in the forum Buy a house</title>
				<link>https://community.sum180.com/forums/topic/upgrades-that-increase-your-home-value/#post-2791</link>
				<pubDate>Mon, 05 Jun 2017 13:16:19 -0800</pubDate>

									<content:encoded><![CDATA[<p>They say the best home investment is upgrading the kitchen, but that is a big one. We have done a lot to our home  &#8211; Replaced all of the windows, exterior paint, put in swimming pool and a backyard entertaining area (barbecue, fireplace, tv, patio cover). By far we have spent the most in the yard, though that is not a great investment! The windows&hellip;<span class="activity-read-more" id="activity-read-more-1327"><a href="https://community.sum180.com/forums/topic/upgrades-that-increase-your-home-value/#post-2791" rel="nofollow">[Read more]</a></span></p>
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