Comments on: Just in the Nick of Time – Here’s My 2007 Goals http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/ Our Journey to a Debt-Free Life Wed, 10 Mar 2010 22:20:02 -0800 http://wordpress.org/?v=2.8.4 hourly 1 By: As Promised - Here's Some Updates » Blogging Away Debt http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-264648 As Promised - Here's Some Updates » Blogging Away Debt Fri, 14 Dec 2007 05:52:36 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-264648 [...] a little bit because I hadn’t even thought about it yet. Last year, I didn’t get our 2007 goals posted until 11:50 PM on New Year’s Eve. After about a week of thinking about it, I still [...] [...] a little bit because I hadn’t even thought about it yet. Last year, I didn’t get our 2007 goals posted until 11:50 PM on New Year’s Eve. After about a week of thinking about it, I still [...]

]]> By: Are We On Track to Meet Our 2007 Goals? » Blogging Away Debt http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-209674 Are We On Track to Meet Our 2007 Goals? » Blogging Away Debt Thu, 15 Nov 2007 13:10:46 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-209674 [...] 11:50 p.m. on December 31, 2006, I posted our goals for 2007. I’ve been meaning to take a peek at those goals and see how things were going in July. Well, [...] [...] 11:50 p.m. on December 31, 2006, I posted our goals for 2007. I’ve been meaning to take a peek at those goals and see how things were going in July. Well, [...]

]]> By: Mapgirl’s Fiscal Challenge / Mid-Year Review of Goals http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-67927 Mapgirl’s Fiscal Challenge / Mid-Year Review of Goals Tue, 12 Jun 2007 17:09:34 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-67927 [...] Financial Journey’s goals Simplicity in Kansas’ goals The Digerati Life’s goals Tricia’s goals Flexo’s goals Jim’s goals Medicated Money’s [...] [...] Financial Journey’s goals Simplicity in Kansas’ goals The Digerati Life’s goals Tricia’s goals Flexo’s goals Jim’s goals Medicated Money’s [...]

]]> By: Tricia http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5831 Tricia Wed, 03 Jan 2007 05:24:37 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5831 Kellie - Thank you :) Reggie - That is so awesome that your financial situation is changing. I LOVE to hear that! It sounds like your method is really working for you. One thing I say a lot is that you have to figure out something that works for you. It sounds like you did your research, borrowed ideas from many different sources and combined them into something great. That's great! Jen, Laura, Maria and Sheri - I still haven't received word on how much the employer match will be. I am really behind with learning about 401K's because I didn't know my employer would be offering it until recently. It's something new they are doing for this year. Can you tell I'm excited and nervous about it at the same time? LOL. Matt - Thank you :) Kellie – Thank you :)

Reggie – That is so awesome that your financial situation is changing. I LOVE to hear that! It sounds like your method is really working for you. One thing I say a lot is that you have to figure out something that works for you. It sounds like you did your research, borrowed ideas from many different sources and combined them into something great. That’s great!

Jen, Laura, Maria and Sheri – I still haven’t received word on how much the employer match will be. I am really behind with learning about 401K’s because I didn’t know my employer would be offering it until recently. It’s something new they are doing for this year. Can you tell I’m excited and nervous about it at the same time? LOL.

Matt – Thank you :)

]]> By: Sheri http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5815 Sheri Tue, 02 Jan 2007 23:11:00 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5815 I'm a firm believer in contributing to a company matched 401K. I’m a firm believer in contributing to a company matched 401K.

]]> By: Maria http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5813 Maria Tue, 02 Jan 2007 22:44:14 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5813 Tricia, I too faced the same dilemma with my 401(k) and ended up contributing 2% at first and then I will be adding my next annual increase to make it a full match. I feel that you shouldnt put off contributing, otherwise you would miss out on free money (ie- employer match) but during debt paydown mode, you still want to put every available penny you can towards the debt. Others may disagree but for me 5% would take make a dent in my debt paydown and it would TAKE ME almost 4 months longer to get out of debt. Tricia,
I too faced the same dilemma with my 401(k) and ended up contributing 2% at first and then I will be adding my next annual increase to make it a full match.

I feel that you shouldnt put off contributing, otherwise you would miss out on free money (ie- employer match) but during debt paydown mode, you still want to put every available penny you can towards the debt.

Others may disagree but for me 5% would take make a dent in my debt paydown and it would TAKE ME almost 4 months longer to get out of debt.

]]> By: Matt http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5808 Matt Tue, 02 Jan 2007 20:57:19 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5808 Sounds like a pretty good list of goals for the year. I'm totally impressed with your achievements last year in reducing your debt. Good luck in your goals and let us know if there's any way we can help out. Sounds like a pretty good list of goals for the year. I’m totally impressed with your achievements last year in reducing your debt. Good luck in your goals and let us know if there’s any way we can help out.

]]> By: Laura http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5807 Laura Tue, 02 Jan 2007 20:17:19 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5807 I agree with Jen on the 401K advice. I agree with Jen on the 401K advice.

]]> By: Jen http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5795 Jen Tue, 02 Jan 2007 15:04:14 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5795 If your company matches your contribution to the 401(k), I would at least contribute enough to get the full match. For instance, if they match 50% up to a 6% contribution from you, then I would contribute the 6% of your pay. Otherwise, you're just leaving free money on the table. Plus, contributing to your 401(k) usually means reducing your taxable income since contributions are usually pre-tax :) If your company matches your contribution to the 401(k), I would at least contribute enough to get the full match. For instance, if they match 50% up to a 6% contribution from you, then I would contribute the 6% of your pay. Otherwise, you’re just leaving free money on the table.

Plus, contributing to your 401(k) usually means reducing your taxable income since contributions are usually pre-tax :)

]]> By: reggie http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5772 reggie Tue, 02 Jan 2007 00:03:56 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5772 i must comment on this one. For the last 6 months or so, i have seen my financial situation change drastically, and it all started at this site. By reading this site, i saw links to other sites, and then googled, base on words i founds on all these sites. I have taking ideas from every blogger i passed by, and applied them to my financial attitude.. I must say, for over 5 years, i was not able to save 1.00$, cause i was to caught up making my bills happier than my self. some bills i paid minimum (bad idea) some bills i paid a little more than the minimum. Now, after reading all the diffent ideas i came across.. I have manged to save 500$ within the last 4 months. how: Instead of paying 100 dollars to every bill i owned, i took a different approach. I checked how much money i had in my pay check left over, after the major bills were paid, PHONE, Heating, Water, Elec, Internet. from what was left over, i created a spreasheet, and put a percentage towards all other bills. in the percentage i put a little something towards my savings...and whallo, it worked i now have 500$ on my savings.. I had a long discussion two days a back with a friend that has no savings, lives from pay check to pay check and not happy about it, but now will to work on it. Any way, i try to convice him about my approach, i was told that he prefer to pay the debts off, and once that's done in the next 2 or 3 years, then he can concentrate on his savings.. I explained to him, that with my approach, my bills will be paid off in about the same time frame, but i'll hava a little something on mysavings, whereas he'll be only starting to build his savings.. but, yea i did make a new years resolution also.. have 5000+ on my savings... at the end of this year... I expects some extra overtime, so i'll put a greater percentage of that to my savings... will try to find a satuday job, if i can make about 80$ for that one day, would be find, after tax, i'll be like 200$ richer, at the end of the month.... But thanks for your words, Tricia, it has really changd my financial attitude... and i'm really looking forward to a brighter 2007 i must comment on this one.

For the last 6 months or so, i have seen my financial situation change drastically, and it all started at this site.
By reading this site, i saw links to other sites, and then googled, base on words i founds on all these sites.

I have taking ideas from every blogger i passed by, and applied them to my financial attitude..

I must say, for over 5 years, i was not able to save 1.00$, cause i was to caught up making my bills happier than my self.

some bills i paid minimum (bad idea) some bills i paid a little more than the minimum.

Now, after reading all the diffent ideas i came across..
I have manged to save 500$ within the last 4 months.
how:
Instead of paying 100 dollars to every bill i owned, i took a different approach.
I checked how much money i had in my pay check left over, after the major bills were paid, PHONE, Heating, Water, Elec, Internet.
from what was left over, i created a spreasheet, and put a percentage towards all other bills.
in the percentage i put a little something towards my savings…and whallo, it worked i now have 500$ on my savings..

I had a long discussion two days a back with a friend that has no savings, lives from pay check to pay check and not happy about it, but now will to work on it.
Any way, i try to convice him about my approach, i was told that he prefer to pay the debts off, and once that’s done in the next 2 or 3 years, then he can concentrate on his savings..
I explained to him, that with my approach, my bills will be paid off in about the same time frame, but i’ll hava a little something on mysavings, whereas he’ll be only starting to build his savings..

but, yea i did make a new years resolution also..
have 5000+ on my savings…
at the end of this year…
I expects some extra overtime, so i’ll put a greater percentage of that to my savings…

will try to find a satuday job, if i can make about 80$ for that one day, would be find, after tax, i’ll be like 200$ richer, at the end of the month….

But thanks for your words, Tricia, it has really changd my financial attitude…
and i’m really looking forward to a brighter 2007

]]> By: Kellie http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/comment-page-1/#comment-5755 Kellie Mon, 01 Jan 2007 07:21:45 +0000 http://www.bloggingawaydebt.com/2006/12/just-in-the-nick-of-time-heres-my-2007-goals/#comment-5755 Tricia I just found your site tonight and it's really encouraging! Thank you for putting your financial life out there for other's to read and gain insight and valuable information from. You are not alone! I wish you a prosperous 2007! Tricia I just found your site tonight and it’s really encouraging! Thank you for putting your financial life out there for other’s to read and gain insight and valuable information from. You are not alone! I wish you a prosperous 2007!

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