Frugal Tip Monday-My 401k/Retirement Dilemma

Fashion Without Guilt

Please formspring me and let me know, if you have any knowledge of 401k or just want to share your experiences. I will keep you updated on my progress in my 401k enrollment process and share some tips that I learn along the way. Tags: retirement retirement plan 401k saving for the future 401k enrollment stocks company match 401k retirement Finance has always been a interest of mine ever since I can remember. I have always been a frugal shopper at heart.

2010 53

Publix ad 2/17 – 2/23 (Wednesday ad)

Coupons Do Work

Here is Publix ad 2/17 – 2/23 (Wednesday ad) with coupon matchups : This week, besides the awesome BOGOs, there is FREE Maruchan Yakisoba, Share this list via email. Feb 17 - Feb 23. GAV 2/… HBA 2/… B1G1 Pricing Based on Single Purchase of 1 Item. Cantaloupe, Chunks, per lb - $1.75. Cantaloupe, Chunks, per lb.

Publix 100

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Publix ad 2/18 – 2/24 (Thursday)

Coupons Do Work

Here is Publix ad 2/18 – 2/24 (Thursday ad) with coupon matchups : This week, besides the awesome BOGOs, there is FREE Maruchan Yakisoba, Share this list via email. Feb 18 - Feb 24. GAV 2/… HBA 2/… B1G1 Pricing Based on Single Purchase of 1 Item. Cantaloupe, Chunks, per lb - $1.75. Cantaloupe, Chunks, per lb.

Publix 100

Frugal Tip Monday: It's Not What you Make but What You Spend?

Fashion Without Guilt

Mind you that is a bit excessive but again with a healthy salary and a nice standing in his 401K and real estate invesments he is sitting pretty. Tags: 401k Ramit Sethi money frugal ways to save security salary afford frugal tip monday iwillteachyoutoberich finance saving money Fashion Without Guilt book Finance is another true love of mine. I came across a great article on regarding Conscious Spending.

2009 40

Meet a Reader | Lawyer K from Chicago

The Frugal Girl

He also set up an IRA for me when I was young and basically insisted that I max out my 401K when I started working (thank you, dad, that really made a difference after more than a decade with my firm!).

What Can Go Wrong – Naming a Beneficiary

Prairie Eco-Thrifter

Being the smart person you are, you you sign up for a 401K with company matching and do the right thing by starting to pump as much into it as possible. In 5 years – you’ve married and had a baby, but your 401k still goes to Mom and Dad when you die. If you have a life insurance policy squirreled away, or a 401K from an old job no one knows about, the beneficiary will not know to submit a claim and the monies will not be paid.

2017 126

Investment Methods

Prairie Eco-Thrifter

When I retired, I used this method to re-invest the proceeds from my company 401K (that I had rolled into an IRA). It caught me by surprise that the stocks/mutual funds in which I invested while in the 401K could not be transferred in kind to my IRA. Instead, they had to be sold within the 401K and the proceeds reinvested in the IRA. I’m always on the look out for investment books I haven’t yet read. I pick up a lot of them at garage sales for 25 cents to a $1.

2016 116

What Makes a Saver?

Prairie Eco-Thrifter

I also saved – maxing out 401K contributions to build up the retirement funds. If we truly be either saver or spender, what makes us one or the other? Are we predestined from birth to be one or the other as at least one study proposes? Or is it our earliest environments that mold us to be one or the other? What is it that makes a person a saver? The act of saving. In its simplest form, the thing that makes a person a saver is the act of saving.

Making 116

Money and Life in Your Forties

Prairie Eco-Thrifter

Being out of the work force to raise babies put me behind on the retirement savings front, but I caught up through regular 401k contributions, and additional IRA savings and ended up with more than most people do put aside. Many people, approaching or in their forties, despair – thinking their life is over now that they are sooooo old. As someone now in their sixties, let me tell you that your forties are a really great phase of life!

Money 167

5 Reasons Why You Should Invest in Gold

Prairie Eco-Thrifter

Have you looked at your 401K and almost choked because of its decline? Let’s face it, the economy stinks and there isn’t an end in sight. So what should we do about this situation when it comes to investing our hard earned money? Well, some investors have turned to gold. The Benefits of Gold Investment. You’ll be surprised to learn about all of the benefits of gold.

2012 172

10 Reasons You’re Broke

Prairie Eco-Thrifter

Instead of investing your money in education or your 401K, your money goes to clothes, gadgets, big screen TV’s or alcohol. If you always have more month than cash and never seem to get ahead or even to even, it’s time to look at some reasons you may be broke. You spend your money on the wrong stuff. If you don’t have enough money, it’s time to quit spending on stuff that doesn’t last. You don’t keep track of your money flow.

2012 168

Link Love Carnival #4

Prairie Eco-Thrifter

Suba tells us why you should not use your 401K. Hello and welcome to the 4th edition of the Link Love Carnival. The Link Love Carnival is an avenue I created where bloggers can work together to “ build a better world “. Each month a charity for the carnival is chosen. This month, our charity of choice is The Livestrong Foundation. All of us know someone who has had or is living with cancer, so we are banding together in June and help find a cure.

2011 116

Seniors – Keep Your Allocations

Prairie Eco-Thrifter

Vanguard’s Personal Financial Planner thought I should change invest all my retirement money in bonds when I moved it from my 401K to an IRA. Many, if not most, financial institutions, advisers, and planners recommend very conservative strategies for those nearing or in retirement. Take their generic advice at your own risk! Most likely they are just trying to avoid liability and cover their you know whats.

2014 147

Totally Money Blog Carnival #18 – 6 Ways to Save Money Edition

Prairie Eco-Thrifter

Ramsay presents Borrowing From Your 401k. Among the many benefits afforded to many 401k participants is the ability to borrow funds from the account for personal purposes. Welcome to the 18th edition of the Totally Money Carnival. This week’s theme is spring, spring cleaning that is, and I ain’t talking about those dust bunnies. I am talking about spring cleaning your finances and finding more ways you can save money.

Money 188

The Best Investments For the Over 40s to Start Now

Prairie Eco-Thrifter

For USA Investors An employer-matched 401k allows you to contribute up to $22,000 if you’re over 50; whatever amounts your employer adds to this is basically free money. Are you too old to start investing? The answer is a resounding No! Sure, you need to carefully consider which type of investment is going to suit your situation best but there are many investment strategies available from which to choose.

2012 158

Yakezie Carnival October 16, 2011- Growth Edition

Prairie Eco-Thrifter

Stock Market Basics: How Does 401k work Understanding 401k is a must to help you save money for retirement purposes plus it also helps you save taxes and get more cash in your hands. Welcome to this week’s Yakezie Carnival. This week I as your host have chosen the theme of “Growth” and here is why. The original Yakezie Carnival was first hosted on February 28, 2010 and was called the Yakezie Challenge Carnival.

2011 166

Should You Invest In A Rising Market?

Prairie Eco-Thrifter

Unfortunately, to move them, I had to cash some the investments out in the 401K, leaving me with quite a few funds to get back into the market. Ever since we stumbled past the Fiscal Cliff and the budget crisis, the stock market has been rising like a hot air balloon in an updraft (at least as of the time this post was written at the end of March 2013).

2013 158

How Long Should You Keep Financial Documents

Family Balance Sheet

Keep the quarterly statements for your 401k or other IRA accounts until you receive the annual statement. Are your financial documents piled up in the corner of your office or under your desk? A few years ago, I was just filing papers in my cabinet, but not purging along the way. It got to the point where I couldn't close the drawers of my filing cabinet, so I took some time to weed them out.

Family 135

Seven Retirement Lessons Learned

Prairie Eco-Thrifter

However, I haven’t learned this lesson too well, as I still have the second plan, which is a 401K. This post was written by Marie. . Do you dream of retiring some day? Maybe you are ready to retire financially but have other concerns. Perhaps you are socking away go-goobs of money for a far off retirement date and are wondering if it is worthwhile to forego all those ‘along the way’ life treats in order to be prepared for retirement. I’m retired!

2011 171

Why We Left Traditional Health Insurance

Family Balance Sheet

In October 2003, I left a career as a department store buyer with a nice paycheck, paid vacation days, 401k match, profit sharing, and health benefits, to pursue a life of self employment with my husband where all of those things are up to us. Health insurance is a touchy subject. This post is not meant to be taken in a political way. Instead I’m writing about my family’s experience with traditional health insurance and how it has affected OUR finances.

Carnival of Personal Finance #316- Family Edition

Prairie Eco-Thrifter

Crystal from Stupid Cents talks 401k Allocation and where to put your money. Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. This week I am reminding you all about those special people in your life- your family. This past weekend I headed out west with my husband, brother, and his girlfriend to help my parents move into their new house. It was during this rather taxing weekend that I was reminded of how great a loving family can be.

P.E.P. for the Week of January 24-28, 2010- Adjustment Edition

Prairie Eco-Thrifter

Personal Finance by the Book askes if we should borrow from our 401K? As some of you know, one of my goals for 2011 is to become a certified fitness professional. In order to do this I need to take a few courses at our local university. Well, I signed up for 2 of the 3 I need to complete which are to take place this weekend and one other weekend in February. The goal was to be certified by summer. Well, plans have had to change.

2010 116

4 Financial Lessons Your Parents Forgot to Teach You

Saving Cents With Sense

This is especially important if you get a 401K match from your employer, as that’s free money. Your parents did a great job at keeping you fed, clothed, sheltered, and teaching right from wrong. Unfortunately, navigating the financial world wasn’t on their list of life lessons to impart, leaving you to figure it out by yourself once you’re out on your own. With PNC reporting that the average 20-something faces $45,000 in debt, and Generation Opportunity finding a 15.9

Saving Tips & Free Crediting Monitoring

For the Mommas

Have more money automatically withdrawn from your paycheck and put in your 401k. Nearly 46% of consumers say they typically consider making a financial resolution – up 31% since the first year of the survey in 2009. The top 3 financial resolutions? Saving more (52%), spending less (19%) and paying off debt (19%).

Carnival of Financial Planning – Money Management Edition #231

Prairie Eco-Thrifter

Bob presents 401k Hardship Distributions: What you need to know posted at ChristianPF , saying, “Hopefully you don’t know what hardship distributions and hopefully you will never need to know. Welcome to the April 6, 2012 Edition #231 of the Carnival of Financial Planning. This edition is arranged by subject heading, so that you can browse efficiently. Enjoy! The Skilled Investor , Editor. Budgeting and Economics.

Money 122

Carnival of Financial Planning – Money Management Edition #236 – May 11, 2012

Prairie Eco-Thrifter

Taxes are going up in 2013 for everybody Paul Tabbet presents Retirement Planning Worksheet Software posted at Tax Planning Software , saying, “Retirement planning software should automate the development of lifetime projections that incorporate tax laws and rules associated with tax-advantaged retirement investment incentive programs such as traditional IRA, Roth, 401k, 403b, SEP, Keogh, and other retirement plans.”

2012 109

Carnival of Financial Planning – Money Management Edition #241 – June 15, 2012

Prairie Eco-Thrifter

Welcome to the June 15, 2012 Edition #241 of the Carnival of Financial Planning. This edition is arranged by subject heading, so that you can browse efficiently. Enjoy! The Skilled Investor , Editor Budgeting and Economics Paul Vachon presents Frugal Living Made Easy posted at The Frugal Toad , saying, “Frugal living is all about making informed and deliberate choices in how to spend money.

2012 116