tag:blogger.com,1999:blog-8242926316765633205.post7391159088605710835..comments2024-03-17T04:14:44.845-05:00Comments on Frugal Scholar: Snowball Savings with the Tightwad GazetteFrugal Scholarhttp://www.blogger.com/profile/12696815672500452503noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-8242926316765633205.post-9222771427367808302011-01-10T11:55:04.562-06:002011-01-10T11:55:04.562-06:00@Mom, Phd--I totally agree! Little choices are sur...@Mom, Phd--I totally agree! Little choices are sure things. In my experience, the big things don't always work out. Sorry for the late response. Out of town, overwhelmed,computer in the shop, ergh.<br /><br />@Darla--Great advice! They could even direct the 2% to a Roth IRA--or something special.<br /><br />@Duchesse--I know. I was incredulous when I read that. I wonder if he's changed the amount in the more recent editions of his book. <br /><br />@Suzy--I think DR is great overall. Why don't you ask your library to reorder the Tightwad books? I would bet that a lot of others would thank you.Frugal Scholarhttps://www.blogger.com/profile/12696815672500452503noreply@blogger.comtag:blogger.com,1999:blog-8242926316765633205.post-64380143272430005332010-12-30T18:27:03.934-06:002010-12-30T18:27:03.934-06:00I was doing the Dave Ramsey course(missed some for...I was doing the Dave Ramsey course(missed some for family stuff) but his 12% has me about rolling in the floor! also seems like everyone and their dog tries to make money with crafts..some make it and some don't. I like the tightwad book too but unfortunately someone once again stole the library's copies - will have to make a point of buying my own one of these days though I keep hoping she'll come out with an update.Suzyhttps://www.blogger.com/profile/09736403277973311615noreply@blogger.comtag:blogger.com,1999:blog-8242926316765633205.post-88134072825250945692010-12-30T18:00:08.624-06:002010-12-30T18:00:08.624-06:0012%- where?12%- where?Duchessehttps://www.blogger.com/profile/09986153653120526776noreply@blogger.comtag:blogger.com,1999:blog-8242926316765633205.post-30354416429847338932010-12-29T14:13:06.762-06:002010-12-29T14:13:06.762-06:00Great tip. Two of my Grandkids are young marrieds...Great tip. Two of my Grandkids are young marrieds, all 4 people working but not for huge wages. I suggested they figure what the new payroll tax break amounts to for them and put that in savings by PAYROLL DEDUCTION. Open a seperate small account if possible. Credit Unions are good for that with little required to open an account. If you don't see it it is not so likely you will spend it. Besides, if/when the tax is then raised you won't have to cut back on what you are used to. Yes, a small amount but a beginning.<br /><br />DarlaDarlahttps://www.blogger.com/profile/02729017606957829830noreply@blogger.comtag:blogger.com,1999:blog-8242926316765633205.post-64778322872601065242010-12-29T10:26:56.623-06:002010-12-29T10:26:56.623-06:00I agree on the power of little choices! I was ju...I agree on the power of little choices! I was just discussing this with my sister, who is about to lose her house to foreclosure. By not spending $35/mo on campus parking for the last 4 yrs, I'm $1700 richer (plus, the extra 10min walk is good). And no 3x/wk Starbucks habit = $450 saved/yr. <br /><br />I am convinced we save a lot of money with little choices. But honestly, my sister just can't seem to cut the small stuff out. So she has to cut her $2000+/mo housing payment, and lose the house in the process. <br /><br />The personal finance experts should diversify their advice and acknowledge more widely that little choices make all the difference to some of us.Mom, Ph.D.https://www.blogger.com/profile/06382723864273701137noreply@blogger.com