tag:blogger.com,1999:blog-8911917248033923490.post8755515880760187292..comments2023-09-30T06:14:57.271-05:00Comments on Not Living on Ramen: Profligate.E.C.http://www.blogger.com/profile/05595667311126848588noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-8911917248033923490.post-87486988920626300902010-01-03T12:08:10.458-06:002010-01-03T12:08:10.458-06:00I think that you should listen to Funny about Mone...I think that you should listen to Funny about Money. It may a good idea to get the car now with the interest rates at zero in many cases. Frugality it good but can be taken to extremes and then it can become a problem because you might deny yourself a necessity like a vehicle that is safe.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8911917248033923490.post-43575976098445185712009-12-22T07:13:22.147-06:002009-12-22T07:13:22.147-06:00Wait. You've saved $19,500 since you graduated...Wait. You've saved $19,500 since you graduated a year ago and you're in one of the worst-paying trades in the developed world?<br /><br />I'd say you're doing exceptionally well. <br /><br />Maybe you should consider going in the opposite direction, at least for a short period: cut yourself some slack. Buy yourself some post-Christmas presents in the sales, let yourself go out to eat a little more often, and maybe even take a short trip over the winter break.<br /><br />There's something to what Frugal says: if you bought a car on time for the same amount you're putting aside in the car fund, shifting the ten grand into the house fund category would instantly give you enough for a down payment. Or, given a reasonable car payment, you could continue to salt money into house savings, allowing you to build up an even larger chunk of equity for the future dwelling.Funny about Moneyhttps://www.blogger.com/profile/13188173788063351801noreply@blogger.comtag:blogger.com,1999:blog-8911917248033923490.post-57928952223098693882009-12-13T17:54:57.906-06:002009-12-13T17:54:57.906-06:00There probably are some areas you could cut a bit-...There probably are some areas you could cut a bit--like some meals out. i would suggest more flexibility in your categories. For instance, you have 10000 for a car. But interest rates are at or near zero, so I wouldn't use my car fund to buy a car! I would take the superlow financing. Then you could think of your house fund as having 20000! <br /><br />I think your progress is more than impressive, one year out of college. Unlike many frugal types, I have a very fluid sense of a budget as long as my overall savings goals are being met.Frugal Scholarhttps://www.blogger.com/profile/12696815672500452503noreply@blogger.com