newtondak

@newtondak (3946)

United States • Age 71

Joined myLot 16 years ago

The Will of God will never take you where the Grace of God will not protect you.

frugalhome.blogspot.com/

Responses (1704)

newtondak's Responses

Are you Planning to Save money in 2010?

alohagems100 @alohagems100 (565) • United States 7 Feb 10

Do you have some plans to set aside part of your regular earnings and extra income as savings? If so, how will you do it. I am planning to save some so that at the end of 2010, I can say the I really have savings. Sometimes, I...

27 responses •

2 people

newtondak We're following Dave Ramsey's Total Money Makeover to pay down our debt and put away money - it's a great plan! You can find out more on http://www.daveramsey.com and can order his tapes and books there.

8 Feb 10

is any on here a member of Nielsen Homescan?

persona_touch @persona_touch (1701) • United States 7 Feb 10

i just sign up to it today and i wanted to know how long was it before you got your scanner and how is/was your exspice with them and is it worth my time? ples and thank you. :)

scanner

3 responses

newtondak I did it for about a year but found it to be more of a pain than anything else - also don't accumulate points very quickly and the gift that I did get from my points was not high quality. IMHO it's not worth the bother.

8 Feb 10

Tell me about Swagbucks and get a new referral

Sergeantrom @sergeantrom (5721) • United States 8 Feb 10

I have been so busy with ptc I never really noticed this site. For one I do tons of searches on the internet, why not get something for my time? I also shop on the net. I guess what turned me away from this site is all the good...

4 responses

newtondak Have been a member there for about a month and have approximately 100 Swag Bucks. I have redeemed 45 for an Amazon.com Gift Card. You're not going to make much there other than some nice perks for searching - which you would otherwise do for nothing.

8 Feb 10

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3 comments

If you are not having anymore children are you sad about it?

surveygrrl @surveygrrl (1270) • United States 2 Jan 10

I know that our family is complete but I still get sad about it. Our baby is almost 8 months old and I can't believe it. He is growing up way too fast. I am happy for my friends being pregnant but at the same time a little bit...

10 responses •

3 people

newtondak I am the mother of three grown children and the grandmother of five. I have to admit that over the years, I have had times of sadness knowing that I would not have more children - that I would never again be pregnant or experience the feeling of a new life...

3 Jan 10

drama

melissa911 @melissa911 (92) • United States 3 Jan 10

Let me start out by saying that I am a 30 year old mhter of 1. And I know that when you are in elementary school and even Jr. high and high school you will have all kinds of drama, It is a given, I believe it is part of growing...

5 responses •

2 people

newtondak I think you can blame a lot of it on hormones but some of it comes when women get too wrapped up in gossiping about other people and talking about other people and their problems with their "girlfriends". I've never understood why so many women can't keep...

3 Jan 10

Do you like washing dishes manually?

maria1081 @maria1081 (1251) • Philippines 3 Jan 10

We dont have auto dishwasher at home. So we always do dishes manually. I like washing dishes and utensils but not all the time. I think about results so that I wont feel tired washing dirty dishes. How long does it take before...

46 responses •

11 people

newtondak I prefer a dishwasher but do not currently have one, so do them by hand. There are only two of us in the household so I generally only do dishes once a day.

3 Jan 10

Do you think that ladies need to be financially independent?

kiran8 @kiran8 (15348) • Mangalore, India 29 Apr 09

I Have seen that many ladies in India,especially housewives belonging to the middle class and upper middle class households are totally dependent on their men folk where finance and spending money is concerned. I have always felt...

dependent on men

family life

financially independent

frustrtion

ladies

36 responses •

8 people

newtondak I do not feel that women need to be financially independent from their husbands, but rather that the couple work toward financial independence together - with both parties being aware of and equal in the decisions regarding their finances.

3 Jan 10

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1 comment

Do You Really Understand What Financial Independence is?

Raven1 @Raven1 (577) • Australia 18 Feb 09

I've read a lot of posts in this section and from what I can tell, everyone has different ideas about what financial independence really is. To me - financial independence is the freedom not to have to work if I don't want to....

financial independence

6 responses •

1 person

newtondak I agree with your definition of financial independence but from many of the posts on myLot, other people evidently see it differently. Most I read indicate that they feel that financial independence is only when they aren't dependent on their parents for their...

3 Jan 10

joint accounts

reneerose @reneerose (106) • United States 2 Mar 09

I am curious to know how most of you weigh in on MArried couples financial arrangements? Do you each have your own checking accounts, credit cards, etc or do you prefer joint accounts and credit cards? I much prefer separate...

4 responses •

1 person

newtondak We have one joint account where all funds are deposited - one check book and one debit card - no credit cards. They key is communication about finances and what each person is spending.

3 Jan 10

I Bought a House for $5

Raven1 @Raven1 (577) • Australia 13 Mar 09

I can't believe it! I just bought a house for $5. There are tenants still in the house but the owner owed $200 in back-taxes that I have to pay at closing. So in total it's going to cost me $205 for a house that will earn me $400...

financial independence

10 responses •

3 people

newtondak It would be my guess that the owner has other obligations on the house that you will be responsible for - such as a mortgage or other lien on the property. If something sounds too good to be true, there's probably something that isn't right about it.

3 Jan 10

We are so broke!

katsmeow1213 @katsmeow1213 (28716) • United States 15 Apr 09

When was the last time that you were so broke you had to count change or return soda bottles in order to buy milk or bread or something? Today was that day for me. We spent every single dime to our name, actually our bank...

flat broke

money

24 responses •

4 people

newtondak Have been there a number of times and generally it was because of my own financial irresponsibility. You indicate you have "babies" and that at this point in time your income is limited - have you looked into the WIC program?

3 Jan 10

Are you financially Independent?

Rajesh babu @Dasari100 (3791) • Anantapur, India 15 Apr 09

Still now i am not financially independent so i am looking forward to be independent my self in finance so that gives me lot of confidence on me so i would like to know from you people are you financially independent in your life,...

financial independence

9 responses •

5 people

newtondak From the responses here, it is obvious that there are various definitions of "financially independent". BusinessDictionary.com lists this definition: Individual or family that can provide for, from its own resources, at least two of the three major expense...

3 Jan 10

Did You Know that Having Debt is a SIN?

Raven1 @Raven1 (577) • Australia 2 Jun 09

I worked at a large bank for a long time. I saw so many people struggling under mountains of debt without really knowing what they were doing with their money. They had no financial control at all. Then I left the bank to...

3 responses •

1 person

newtondak Romans 13:8 (New International Version) Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law. There are many scriptures in the Bible that relate to money and debt - they...

3 Jan 10

Purposely Overdrawn

katsmeow1213 @katsmeow1213 (28716) • United States 14 Jun 09

Have you ever overdrawn your bank account on purpose? What was it for? Something you NEEDED or something you just wanted? I have to overdraw my bank account today. It's going to cost me $30 to do so, but I have no choice. Our...

broke

finances

money

overdrawn bank account

poor

8 responses •

2 people

newtondak There might have been a time when I was young and stupid that I would have overdrawn my bank account on purpose, but long ago learned that the result was much worse than the crisis I was facing at the time.

3 Jan 10

Do you have a Savings?

katsmeow1213 @katsmeow1213 (28716) • United States 3 Jul 09

I watched a program recently that said you should have enough money in savings to cover your expenses for 3 months. Do you have a savings account? Do you have 3 months worth of expenses in that account? Do you put more money...

29 responses •

3 people

newtondak Dave Ramsey teaches that we should have 3-6 months' expenses put back in an emergency fund. when beginning on his plan, however, he teaches $1,000 in an emergency fund ($500 if you income is less than $20,000), then work on paying off debt, THEN accumulate the...

3 Jan 10

What do you want to save money for ?

busky5 @busky5 (3164) • Thailand 5 Jul 09

I think in this situation i should save some money for using, when i have necessary , i will keep it for a few investment, or keep for buy private something.If you are what do you save money for?

financial

10 responses •

1 person

newtondak Currently, I am saving money for my emergency fund - the "just-in-case" fund to take care of those unexpected things that come up. I eventually would like to help my children save for college funds for the grandchildren.

3 Jan 10

What would you do?

abenitez @abenitez (501) • United States 14 Jul 09

If time, health, and money were absolutely no issue wht would you like to do? Sometimes we tend to stop dreaming because we get comfortable doing what we currently do. So I want you guys to dream big. If you had absolutely no...

dreams

financial independece

5 responses •

2 people

newtondak I would become a counselor to help people experiencing financial difficulties - teaching people to become and stay debt-free.

3 Jan 10

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1 comment

Every penny counts!

frankiecesca @frankiecesca (2489) 18 Jul 09

Do you try and save every month? I like to try and put something away even if only a little bit. Lately it seems less and less but, as the saying goes every little helps so do you try and save even if only a small amount?

money

savings

8 responses •

1 person

newtondak I am not always able to put something back every month but am now working Dave Ramsey's plan and working towards putting back an emergency fund and paying off my debts.

3 Jan 10

Dave Ramsey - Total Money Makeover

Virgie60 @Virgie60 (556) • United States 14 Oct 08

Is anyone familiar with Dave Ramsey and the total money makeover. I really need to do something to help our financial outlook and was wondering if his approach was a good one. I feel so dumb and ashamed. I know the aspects of...

3 responses •

1 person

newtondak Unfortunately, there are no fix-it-quick plans for fixing our financial problems, but Dave Ramsey teaches the best way - get out of debt and stay out of debt. He comes not only from a formal education in finance but from his personal experiences as well....

3 Jan 10

Are there any Dave Ramsey fans out there?

Patrika952 @Patrika952 (156) • United States 17 Feb 09

Hi, I was just wondering if any of you are following Dave's plan? My husband and I are finally on the same page when it comes to our finances...it took a long time to get there, believe me! And we are committed to following the...

dave ramsey

money

4 responses •

1 person

newtondak We are just beginning Dave Ramsey's plan to get out of debt. While we do not have the monumental amounts of debt that many have, we still wish to be debt-free. His plan is a good one and his knowledge comes not only from a formal education in finance but from...

3 Jan 10