Wow

[slow99]

You're an idiot.

math contest or spelling contest?

Swing...

i think it's funny when people don't like to admit they suck of the tit like those they bitch about constantly........

some of those kids grow up to produce and manufacture parts for motorsports, an industry that helps those who's parents sacrificed so much for the kids in way of a retirement, that the children can then support their folks..........

and a miss.

[davbrucas]

Money is a tool...nothing more. Once you realize that, it is much easier to have more of it.

[slow99]

Remember, money management is about will power, not intelligence.

Thank God, I'd be fucked!!

[mustangguy289]

Thank God, I'd be fucked!!

lol

[Denny]

Remember, money management is about will power, not intelligence.

Thank God, I'd be fucked!!

Damn, that was fucked up. Let me try that again:

Remember, money management begins with will power, not intelligence.

It also fits the post I was responding to better since I was talking to him about get his wife on board as well.

[KBScobravert]

No debt but a house payment and utilities, no car payments, no credit card balances, and you would be suprised how fast you can save money.

On the same note, a refi right now with as low as interest rates are is a quick way to save you anywhere from a couple hundred a month or restructure the loan and pay it off quicker saving you a bunch of coin in the long run.

[stangin4lyfe]

Well considering what I do and how many personal financial statements that I review on a daily basis, I would definitely concur with this theory.

It's amazing how much people can make and how little they save.

[GrayStangGT]

I wish I was debt free, can't imagine how good that feels. All I have is a mortgage and a Truck payment and it still sucks making payments. Technically the truck is for work so I get paid for it and get to write off everything on it since I only use it for "work". After this truck is payed off I plan on paying cash for one in 3-4 years, unless my lack of will power takes over and I buy another corvette instead and finance the truck lol.

[SVT Lurch]

On the same note, a refi right now with as low as interest rates are is a quick way to save you anywhere from a couple hundred a month or restructure the loan and pay it off quicker saving you a bunch of coin in the long run.

Smart man! Granted I'm a little biased, but it's a great idea.

[quikag]

Smart man! Granted I'm a little biased, but it's a great idea.

Agreed. Rates are very low right now, so find a mortgage guy that won't rip you on re-fi costs and it's a no brainer if you currently have a rate much over 5.5% or so.

[The King]

Agreed. Rates are very low right now, so find a mortgage guy that won't rip you on re-fi costs and it's a no brainer if you currently have a rate much over 5.5% or so.

Except for peeps who are underwater on their loans.

[SVT Lurch]

Agreed. Rates are very low right now, so find a mortgage guy that won't rip you on re-fi costs and it's a no brainer if you currently have a rate much over 5.5% or so.

We've done refinances for people as low as 4.875% and turned people away with rates as high as 6.000%, there's no specific rate that makes it worth it. You just have to run the numbers and make sure you plan to be in the house long enough to cover the break even.

Except for peeps who are underwater on their loans.

Very few are underwater in Texas (unless they bought a condo).

[mustang_marc]

If you do not mind me asking... how long did it take you to get that?

I could figure out a way to do that in a relatively short time.. but life would suck with no fun.. and it would most likely cause a divorce if I was that tight with our money.

I did that and it took me about 2 years. It didn't happen until I was divorced though. When I was married, wife was a spender. Now I I'm divorced and pay child support and saved more in 2 years than I have been able to in the prior 19 years I had been working.

[Stoner]

If you do not mind me asking... how long did it take you to get that?

I could figure out a way to do that in a relatively short time.. but life would suck with no fun.. and it would most likely cause a divorce if I was that tight with our money.

Took me about 5 years. Had some other issues come up or would have done it a little sooner. Still saving though. Got rid of credit cards about 5 years ago and buy everything with cash.

I'll walk through a store and grab 10 things to buy. On the way to the checkout counter I may end up with the one item I went in for or sometimes nothing at all. LOL.

[Stephen]

I have a little in savings stashed away for a rainy day but medical bills seem to keep that number falling