what would you do with it? Save? Spend? What would you save for or buy?There's a reason I'm asking.
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48 comments:
does the person with the best answer get $150? i'd probably use it toward debt.
We havee a couple of small debts that I would take care of and then I would save for furniture. We need furniture in almost every room of the house.
I'd put it in the savings account I'm trying to rebuild.
I'd save it (assuming no credit card debt). My husband's pay varies from week to week but we try save the extra from heavy work weeks to float us during down times.
However - I'm currently on a swing set mission so if I had an extra $150 right now, it would go towards that.
I would definitely stick it in my shiny new ING account! ;o)
Really though, I would. Our mission right now is saving up a 3-4 month emergency fund.
For 6 months I would put 1/2 of it to finishing off our food storage, the rest into our growing savings account. After the 6 months, all of it into savings.
It is funny cause this is about to happen to us from re-financing our house to a 'record low rate'. We shall see what happens as my husband and are still discussing what would be best.
It is so tempting for me to want to go and buy stuff that we have been doing (mostly fine) without for so long as we build our savings. Even though that won't happen I fantasize, I mean I am human after all :)
ooh,every month? more chocolate to start w/
but a versatile piece of furniture that could be used for sleeping, sitting, jumping grandkids..and a few surprises for the family!
I would put it into savings, we'd like to upgrade to a bigger house in the near future (once the market is better so we can unload this one!) so we're trying to build up a nice amount in savings.
Come on, you have to do something fun! Go to so great restaurant you have never been to. Me personally, I would buy a new camera bag, I need it, I want it!
It would go toward building my budget buffer (see ynab.com), but after that it would go in my vacation fund. I'm dying to go on a cruise!!
The answer should probably be something about donating it to someone else who needs it more. BUT, I'd save it! Put it in the bank and probably put it toward loans/mortgage.
I would definately put it towards paying down debt, and once that was taken care of, I'd use it to round out our food strage--maybe put it towards a big freezer or something.
Just discovered your fun blog!! This whole thing is so me, I'm all about saving the Benjamins baby!
Anyways at this point we've been trying to sell our house in another state for nearly 10 months now so we are stuck are paying for that house plus our rent for where we are living now so the savings account is de-plet-ed! I think it would go towards our monthly expenses so we wouldn't have to keep drawing so heavily on our savings.
Pay down debt. We plan to be 100% debt free (including our mortgage) in 10 years.
Save it up for a trip to Disney with the kids. They won't be this small forever!
Stick it in my secrect stash for thing like gifts for the hubby, I don't want to have to ask him to give me money to buy him a gift:-)
I would save it to help us pay for moving, paying our mortgage while we try to sell or supplement a renter we are trying to find
I think it would depend on what "extra" means. Does it mean that you over-calculated your regular budget and that was left over? Or does it mean that someone gave you $150 and it wasn't something from the budget?
If it was extra from the budget calculations: I would apply it to something that needed to be paid off sooner, like an overdraft loan from the bank, that pesky ER bill from 2 years ago, etc.
If it was given to us and not a part of the usual budget: I would buy new clothes, go out to eat (such a treat!), go to the movies, maybe take a trip somewhere....even though I really need new tires for the car!
I would take a portion and save it for the kid's college (can't even fathom how much that will be in 17yrs..ugh. I would then take the rest and do someting fun as a family that we normally wouldn't be able to do.
I'd put it towards our credit card debt! Or save it for our first anniversary getaway (May 3rd).
~Katie
And I'd tithe the first 10%!
~ Katie
I'd either put it towards my home equity loan or put it into our "next house" savings.
I would use it for all those little things around the house that we really need but I am too cheap to buy. For example a new can opener would be nice (you know one that actually opens the cans ALL the way around the top!), haha.
Ugh - I'm DYING to get out of credit card debt. Every time I get close, something comes up (last time it was blood clots in my lungs - not an avoidable expense!). SO, I would do that...an idea for you though would be save for Disney - at least I thought you mentioned that as a goal before.
Half would go toward my snowball debt-reduction 'scheme' and the other half would go into my emergency savings account, the one I use when my dishwasher/washing machine/dryer/car/TV (you get the idea) blows up.
We also have a savings account (pretty empty now, though) for larger 'items.' Maybe I'd put a little in there, too. That one's so that maybe one day we can get central air conditioning in our Southern California hot as you-know home.
I would put it toward our car loan - the only debt besides mortgage and student loans we have left. After that's paid off, it would start going toward those student loans... ugh, I'm not sure we'll ever see the end of those payments...
I would put it towards savings. We have some student loans but havent given up on working for an organization that will provide loan repayment. If we don't do that within the next year then we will more aggressively pay down the student loans.
I'd put it in our savings account. I'm working towards a 6 month cushion should anything ever happen to my husbands job.
Oh Kat...I can call you Kat right? We're cyber BFF's...blogging to stay sane....you said $150. Well my friend, that sacred large dosage of cash would be spent. Every last dime. And it would go to a car payment. BUT not ANY CAR PAYMENT. It would be the car payment for an automobile for my family. One that would be large enough to hold my whole family. Because ever since baby #4 graced our family in Oct of 2008 we have been driving in 2 separate cars EVERYWHERE! Who knew I missed driving in the car with my husband at the same time?
I would pay down some credit card debt, starting with the card that has the highest interest rate.
Honestly I'd like to say I'd save it but I can't afford to save $150 a month. I need real groceries not just ramen noodles. I need more diapers which I'm almost out of again. I'd like to not worry that Mike's very likely getting laid off on Friday and will need more than $150 a month in medication alone.
So how about I say I'll save it and promise to not spend it on anything I don't NEED to keep the house running and the people and two cats fed.
Our 2 credits cards are maxxed (only $1,000 total) but paying off those would be nice I can't even imagine saving or using $150 for that, sigh. I know I suck.
Wait I forgot to ask. Is this a one time $150 a month or $150 extra every month? That might make a difference I might be able to save a little of it each month then.
This economy scares me, so the majority would go into savings and the rest to pay down debt faster.
I'd use it to pay down our debt - we're hoping to be CC debt free by the end of 2009 (fingers crossed).
Every month? I'd have to ear mark one of them for fun or a weekend away with my hubby. The rest would go towards paying off debt.
College fund for the kiddos for sure!
Savings.
I'd pay off debt for sure (nasty student loan). Once that was gone I would build a 3-6 month emergency fund, then put it to kids' college funds (I listen to Dave Ramsey a lot).
I've been really wanting to start my Master's degree. It's the ONLY way I will ever be out of the financial hole as an underpaid teacher :)
Save it, in this economy you can always use a little extra.
Pay down debt!
I'd go out to eat 3 times.
Well...since I'm stressing over paying for public full-day kindergarten next year for my son (our district has almost guaranteed) I would put it towards that monthly bill.
Since my husband and I are both out of work right now I would first praise the good Lord for the gift, give Him back a percentage and then feed my family.
Dude...I'm shallow like a puddle, huh?
Save most of it for specific things around the house, pay down some of the mortgage, and maybe go out to dinner sans kids once in a while.
i would like to say that I would use it to pay our ridiculous mortgage but the truth is I would probably spend it on doing fun activities/trips with my kids.
(or maybe I'd get a haircut and a massage every month. Ok, now I'm starting to dream!)
I'd use it to buy grocery gift cards for my kids. Or start a savings account for my grandkids' college education.
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