Welcome to my little ol' blog. I'll be upfront about it: I don't blog very often any more. If you found your way here because you read my book "Trailer Life," have a gander! But it's easier to keep up with me on Instagram or on my Facebook page. I have this long, drawn out theory on why I'm a terrible blogger, but that is a story for another day. Enjoy the ramblings of my life from the last 8 years or so.
Monday, June 2, 2008
Money, money, money
Dollars, cents, stocks, ETF's, bonds, mutual funds, retirement, IRA's, debts, bills, savings, budgets, and taxes. All have been on our minds lately. I reorganized our budget. Ryan (and I) want to buy five years of "service" to count for his retirement. I want to spend less money on gas, but still be able to go to playgroup and Bakersfield to visit the family. I opened a Roth IRA for myself to invest in. We are seriously looking at getting a different vehicle for me. Ryan's buyback is a bit expensive (really expensive) and I had no idea where to get the money from. Getting a more fuel efficient car would help. I can cut back on groceries a bit by being a better meal planner and looking for deals/using coupons. Try being more frugal (like I used to be...) But we were still coming up short. There are a few luxuries that we won't part with right now. Pride. Fun. Whatever. But then it hit in a light bulb over the head kind of moment. TAXES. We get a killer return every year. But you know what? That means the government is keeping a good hunk of Ryan's paycheck, INTEREST free. Like forced savings. But we'd rather put that money into Ryan's retirement. Now, I have to figure out how to get the most money without owing more than say, 100 bucks to the feds. I have no clue. Actually, I have a small clue. I used the IRS withholding calculator. Wish me luck. (And you have a clue, please share. I won't pay you with money, because I'm practicing being frugal now, but it will make your heart feel super-happy.)