Lea77’s Activity

Yesterday

NL

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Lea77 replied to the Living Below Your Means board. 2:03 PM

Re: Cut salt, reduce deaths

Here's the bedrock behind much of what you may have read about in the popular press..

This is a population study, so the reason for the reduction could be a lot of things besides salt (or it could be something that comes with a lot of [more]

Mon Apr 21

NL

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Lea77 replied to the Living Below Your Means board. 1:45 PM

Re: Cut salt, reduce deaths

Eat only home-cooked food and stay away from processed and restaurant food, which is usually loaded with salt.

This is not bad advice in general, but I think the salt is bad for you thing has been shown not to be necessarily true in [more]

NL

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Lea77 replied to the Living Below Your Means board. 1:40 PM

Re: Housing

Yes, when people talk about the generous retirement benefits in the federal government, I don't think they all realize there are two systems, the current one is not so generous (but has a tsp match).

NL

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Lea77 replied to the Living Below Your Means board. 10:45 AM

Re: Does Anybody Really?

I credit having been a participant on this board for 6-7 years before I bought a house.

I really wish that I had done the same because I didn't really consider anything but the payments and my desire to paint my own walls to the [more]

Sat Apr 19

NL

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Lea77 replied to the Living Below Your Means board. 12:23 PM

Re: Does Anybody Really?

I suspect that most people do the stretch.
Especially with homes


When I bought my house I was probably making half of what I am now. It was a stretch then (but I had a roommate). Now it's pretty frugal.

NL

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Lea77 replied to the Living Below Your Means board. 11:22 AM

Re: Rant - Best Buy return Policy

So 15 recs on this means pretty much everybody sides with the company and their attempts to prevent theft over the consumer, even in the case of truly defective merchandise? Interesting. Shouldnt' there be at least some balance?

As much as [more]

Fri Apr 18

NL

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Lea77 replied to the Living Below Your Means board. 1:48 PM

Re: Rant - Best Buy return Policy

IF they have the same title you bought, you should be able to exchange only

Except they didn't, so there was no possibility of an even exchange.

So I bought a title I wanted, it was broken, I returned it and didn't want [more]

NL

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Lea77 replied to the Living Below Your Means board. 9:47 AM

Re: Rant - Best Buy return Policy

It is probably to track returns to prevent excessive returns from a few customers.

Yes, that's probably what it is, although I think it's odd to do so if you had a receipt. I used to work at (now defunct) HQ in returns, and we had to [more]

NL

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Lea77 replied to the Living Below Your Means board. 9:44 AM

Re: Advice from a Federal TSP Millionaire

I mentioned that it takes a while.

I remember when my balance was a sad little 2 or 3k. Now it's up to 60ish. My dad said it really starts to pick up steam when it hits 100k, so I guess we'll see!

My goal for the last couple [more]

Thu Apr 17

NL

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Lea77 replied to the Living Below Your Means board. 4:58 PM

Re: Budget App's

Here's a previous thread you might find useful

Thanks!

NL

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Lea77 replied to the Living Below Your Means board. 4:32 PM

Re: Advice from a Federal TSP Millionaire

there's a huge disparity in allowed contributions between a 401k and an IRA

I would like to know the reason for this as well. Obviously, you can start with an IRA and a lot of people probably don't make it to the max on those but some [more]

NL

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Lea77 replied to the Living Below Your Means board. 4:26 PM

Re: Budget App's

Monthly Expenses:
Entertainment
Restaurants
Take-Out Lunch 1/week
Prescriptions
Groceries
Gas
Pet
Medical
Household Items
Home Décor Items
Clothing
Skincare/Makeup
Car Repair
Beauty
[more]

NL

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Lea77 replied to the Living Below Your Means board. 4:25 PM

Re: Budget App's

I should say I have a spreadsheet that tracks things like savings (401k/roth/emergency fund and a bunch of other categories) and generic bills that are monthly and consistent like my mortgage, utilities, netflix, etc.

So mostly I'm just [more]

NL

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Lea77 posted to the Living Below Your Means board. 1:48 PM

Budget App's

Has anyone used an app called 'Goodbudget' (I think this used to be called Envelopes). There is a free verison and one with a fee (I think it lets you have more money pots to choose from). I'm using the free verison.

Anyway, I am trying to [more]

Wed Apr 16

NL

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Lea77 replied to the Living Below Your Means board. 11:15 AM

Re: GMO's In Vermont

The stink now is because those big food companies know it will hit them in the bottom line

Actually, it will hit everyone else in the bottom line because they will just raise prices to pay for it.

If given the choice, [more]

NL

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Lea77 replied to the Living Below Your Means board. 9:37 AM

Re: Advice from a Federal TSP Millionaire

I would like to have seen some discussion of Fee's, though. It sounded like 'Jim' did a lot of trading (2-4 hours a week) and there are generally fees involved in that.

NL

Boards Post

Lea77 replied to the Living Below Your Means board. 9:32 AM

Re: GMO's In Vermont

why shouldn't labeling state it for those who do
Adding things to labels costs money. The more things you add to labels, the less people read.

Anti-GMO is still rather faddish. And as GMO's are the majority of plants now, it's [more]

NL

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Lea77 replied to the Living Below Your Means board. 9:30 AM

Re: Advice from a Federal TSP Millionaire

Very interesting, thanks!

I know when I started working, some of the older employees encouraged me to add 1% with every raise or COLA and that was good advice. Advice I have not yet followed, granted (I am trying to build up to fully [more]

Tue Apr 15

NL

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Lea77 replied to the Living Below Your Means board. 1:52 PM

Re: Careless Hit, But No Run

Maybe I'll write about a time at the nursing home when I walked into my Alzheimer's-ridden, helpless dad's room and caught an employee putting some of his few small possessions into her smock

This happened to my grandmother several [more]

Mon Apr 14

NL

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Lea77 replied to the Living Below Your Means board. 10:49 AM

Re: car buying

When I bought my new Accord, I was looking at used cars, but they really did want more for the used cars, and they were less willing to negotiate price.

Yeah, I was milling around looking at cars a while back and the gently used were [more]

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Boards Stats & Trivia

Big red star, 1000 posts
Board Posts 1397
Recs Received 810
People who have rec'd these posts 243
Recs to Posts Ratio (last 30 days) 2.60
Threads Started 33
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Most Frequent Board Living Below Your Means
Very First Post New and looking for LBYM advice (1/14/2008)
Percentage of Posts Rec'd 28.78 %
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