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Today at lunch my coworkers and I discussed the frugal and interesting people at my company and came to the conclusion that I am definitely not the most thrifty person here. This is an article featuring some of my rich and frugal coworkers without giving names. These people profiled here are all brilliant and I think of some of them as rolemodels. If you’re my coworker and you recognize yourself below please don’t be offended! I respect all of you very much!

  • This coworker is an extremely intelligent Harvard grad who has been with the company for more than seven years. He is getting paid more than six figures and has racked up a stock compensation package worth at least few hundred thousand dollars in the past few years. He doesn’t own a car because he rollerblades to work, and he rents a very reasonably priced apartment near downtown San Mateo. One funny frugal story about him is that he went to McDonalds downstairs and bought a hamburger, and then added cheese that he brought with him to make it a cheeseburger! Despite his frugality, he really seems like a truly nice and generous man.
  • I work with this particular coworker a lot and he’s usually very reserved and quiet. He carpools with two other people to work because in his words, “everytime I hear the FastTrak beep my heart sinks a little”. For those who don’t know, FastTrak is the electronic toll collecting system in California and every beep is four dollars now. His own car is a Toyota from the early ’80s and his carpool buddy helps him shop for cheap things when he needs them. He’s also very into saving money and like me, he is a housing bubble fence sitter. This person also makes more than six figures but lives on a lot less. The funniest story I remember about him was when he looked very depressed and our supervisor asked him what’s up. He then revealed that his new wife is demanding diamonds. Then our supervisor pointed him to some sales, and he pretty much gagged at the prices and frowned. I don’t think the wife got the diamonds.
  • We’re not too sure about the motivations of this particular coworker. We theorized that he is always at the office to save energy at his own abode. He is always there and one of our other coworkers actually found a picture of this guy on Google’s streetview near our office. Once I left my keys at the office and went back to retrieve it at 2 am, and this guy was still there. We know he’s not working all the time, so he is probably trying to save on internet and energy costs. He also buys groceries and brings them to the office to consume. This guy is in the same league as the first guy in terms of wealth, but he lives like a true office bum.

I don’t think I am ready to go to the extremes of living at the office or packing my own cheese, but my coworkers are truly inspirational. I am nowhere near them in income yet, but I will try my best to continue to be frugal when my income does rise.

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So, the wedding is in seventeen days, and most of our premarital preparations are done. I’ve been reading about what we must do financially after we officially tie the knot and I learned quite a bit. This is a checklist to remind myself what needs to be done in order to combine and protect our assets, and hopefully this list is helpful to you too.

  • cialis ecstasy– On Desperate Housewives, Mr. McClusky forgot to add his wife to his pension plan as a beneficiary, and when he died, Mrs. McClusky kept his body in the freezer to keep collecting the pension. Don’t let this happen to your loved one. I will add the fubby to my 401k and Roth IRA accounts as a beneficiary. I don’t really count on getting Social Security, but a retired surviving spouse is automatically a beneficiary in that system.
  • cialis ecstasy — We are still pretty young and don’t have much assets right now, but we do need to prepare for the inevitable. A good will should resolve a lot of conflicts within the family if a death occurs. As long as we write a good will and divide up the assets in percentages then it would need minimal maintenance as our estate grows.
  • cialis ecstasy — I’m sure not all couples do this, but I will give the fubby information on all my financial accounts since he will be letting me invest his money. It’s only fair that he knows where it’s going. Also, he should give me the information on his accounts too so we can track our bills together.
  • cialis ecstasy– I’ve been meaning to get a safety deposit box for important documents such as marriage certificate,stock certificates, and immigration documents. It also could be storage for precious metals and other things that we don’t want burned down.
  • cialis ecstasy — Term life insurance would be really important when we do have a child. We both have some life insurance from work, but they only pay for a couple times of our salary, which is not enough to take care of kids for 18 years if something happens to us.
  • cialis ecstasy — I already opened a 529 account for college savings and have been putting in about $30 a month. I really don’t even feel this deduction right now since it’s so small. Over two years the account now has about $1000 in it since the investments have been growing. I don’t yet have a kid, but the rate of $30 a month isn’t going to be enough in 20 years for a college education, so I plan to increase the contributions with my fubby.

There are also some things that I don’t plan to do right away:

  • cialis ecstasy– Chinese women generally don’t change their last names, and it’s not a good idea to go through this process while I am still a Chinese citizen. I would have mismatched names on my passport and green card, and that would be bad for traveling and identification purposes.
  • cialis ecstasy — Usually people tell you to change your exemption to 2 & married on the W2, but that might cause us to pay less taxes than we should. So I will have to wait and see how this year’s tax filing works out and fill in the appropriate amounts next year. I am not too pleased that we will be paying more taxes on the same income, but that’s entirely another topic.

That is all I can think of now, hopefully these items will be implemented after marriage.

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The motto of the Baglady Budget is: cialis ecstasy I consider the past to be the total debt you have accrued. Since you already spent money you did not have in the past, you need to pay it off in the present. The future is long term savings, a retirement fund for yourself or a college fund for a child all qualify as the future. The goal is basically to live every month with less debt and more savings.

So it actually works more like a savings plan or debt elimination system than a budget. First, you write down your total savings under “future” as a positive number, and then write down your total debt under “past” as a negative number or 0. Then, you can categorize your spending into three basic categories: cialis ecstasy, cialis ecstasy, and cialis ecstasy Needs include things like housing, food, automobile expenses, and healthcare. These are things you absolutely need to spend money on. Wants include all types of entertainment, including games, new clothes when your old clothes are fine, or a new car. These are things you don’t need to survive, but would like to have. Gifts include donations to charity, or gifts for special events such as birthdays and Christmas. The total of the needs, wants, and gifts categories should hopefully be less than your monthly income. If you spend more than you make, it is still helpful to see how much you are spending in each category, and you might change your lifestyle to accomodate your income.

Next, record your actual spending and saving at the end of the month. If you are under budget in the wants,needs, and gifts categories, the money saved can be rolled over to the next month in the same category, applied towards your future, or used to eliminate the debt of the past. If your debt has a higher interest rate than your investment accounts for your savings, generally you would want to pay the debt first. So eventually the absolute value of your past should get smaller and the absolutely value of your future will grow. Sometimes you do want to keep the categorical budget rolled over to the next month so you have a mini savings account for that category of expenses. For example, if you don’t give gifts every month, you can still budget 50 dollars for it every month, and at the end of the year you will have a nice Christmas fund.

So what happens if you overspend in any category? Your savings would be smaller or your debt grows, which may not hurt you at all in the short term, but in the long term, too much debt and too little savings could definitely kill you when you no longer have enough to satisfy your basic needs. I think of the Baglady Budget as a financial weight loss plan. Too much debt, just like too much weight, can crush you. Just like any diet, you need some personal discipline to stick to the system.

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This is our current budget breakdown without revealing our actual incomes. The percentages are in terms of gross income:

Needs: 28% including housing, food, automobiles, insurance, utilities
Wants: 2% includes entertainment, games, movies, gaming peripherals
Gifts: 10% donations & other gifts

Past: 0 We are currently debt free
Future: about the same as 1 year gross income so far, and contributing around 30 to 40% of gross income to it per month in various accounts like 401ks, 529s, bonds, money market, and individual investment accounts. The rest of the money goes to taxes.

My fiance is always responsible about his money and balances his accounts regularly and managed to pay off his car and school loan completely and buy an engagement ring. So I am very proud of him. Yet, he hates my budget because he feels it’s restrictive to his spending on games and other entertainment. In actuality, I think it gives him more purchasing freedom in the long run. So far we have recorded our combined entertainment spending for 5 months now, and we didn’t go over the budget once. The Baglady Budget allows roll over of unused funds in a liquid fund, so now we have enough in our “entertainment fund” for something bigger than just a single game or movie.The Baglady Budget basically creates guiltless spending because the money is already earmarked for entertainment. The Budget definitely changed my fiance’s purchasing decisions. He looks for things on sale instead of buying it at full price, and is more patient in his wants, though he still complains that I dampen the shopping experience for him.

For us, life events such as having a child or purchasing a home could change the budget dramatically, but at least we are saving as much as we can right now. I think people of any income can adapt this system to their situation.

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