yorkc39`s poll Show results | Hide results

kickboxerbaby (892.9 days ago)
We have a savings and retirement plan plus seperate savings accounts for all of our children. We pinch every penny. I like to keep enough money aside so that we would be ok, heaven forbid if my husband were to get sick. So there`s about 2 months saved. But I never check on it because then I am tempted to spend it. You know on all the stuff I think I need right now. The best way to do this is to put as little as $25 / wk away straight from your check to a savings account. That way you never really notice it`s gone.

nmck (892.9 days ago)
I have a savings account with about 1 months worth in it. I have a retirement plan through work where 7.5% of my paycheck goes, and I have an additional retirement annuity that I put some money in. My husband and I do not make a lot of money, and aside from our savings we live paycheck to paycheck if that makes sense...we never touch our savings and whatever extra we have is used to pay down debt.

t555rm (893.2 days ago)
We have a savings account and 401K and my dh makes good money. But am a sahm and we live in San Francisco, extremely high cost of living out here. We are pretty careful with our expenses. If we didn`t have our own home we would have been able to live with what we have for maybe 6 months. But not anymore with the mortgage and HOA we have. I`ll give it 3 months before we land in financial trouble.

TR-Baby2 (893.2 days ago)
Divorce SUX!! I just QUIT my job of SEVENTEEN years, and will only have about $40,000 to live on for a while - I married a crack-head (lierally!) who lied, stole, the whole 9-yards! So, on several occassions (about $75,000 worth!), I had to borrow from my 401k just to get out of the hole he dug for us ... (at that point, I believed his lies & really didn`t know the whole story - I loved him & believed his B.S.) ... after a year & a half of sheer ROTTEN, he`s finally out of my life (Forever!! -I HOPE!!) When you borrow from 401k (at least at my company) you pretty much pay yourself back each pay check - I was to the point where I was barely making it, my gross pay looked too good to get help (like state assistance) but my net pay (after all the 401k deductions, and health & everything else) was nearly nothing, so I quit. Just totally BLOWS that I was 3 years shy of my retirement package & had to forfeit that cuz I married the WRONG man :o( BE SMART Ladies!! Use your HEAD as well as your heart...

Lookalike (893.3 days ago)
It`s funny that you should ask this, my husband and I are both not working. Me because I just had a baby and him because he`s in his last semester of college. In preparation for this we saved up four months worth of expenses. We also saved the money that his father left him when he passed away which is five months worth of expenses. In addition we each have a Roth IRA which we have been investing in for the past five years. You might think that we make a lot of money to do this but we really don`t. I was a teacher and my husband was working part time as a machinist. We made far less than most of the people around us who live paycheck to paycheck. We budget our money fairly closely by buying cars cash and keeping them for many years, staying away from credit cards, and only spending $45 a week on expenses like groceries and entertainment.

luvbeingamom (893.4 days ago)
Sadly, if i got laid off tomorrow.. i would have about 1 month of living before i would be in trouble. I am working on building that, but a recent separation/divorce has left me a little financially behind.



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