Reply to Help me figure out how to better allocate our 300k income.

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[quote=Anonymous]
 we have similar experience to share as previous PP:
cut the cable 
VOIP
no housekeeper or cleaning service
no lawn service
drive paid off/used cars
bus/metro
meal planning - crock pots are handy, pinterest is full of prep ahead and freeze recipes
if you receive bonuses - apply them to debt retirement - first credit cards and high interest consumer debt, then student loans. same goes for raises.
we joined a credit union, and last year refinanced house through the credit union - reduced monthly payment from about 3500 to 2600
Modest regional vacations - which are good with little ones anyway
drink the free coffee or bring your own
I continued to save for retirement while retiring debt. The biggest advantages in retirement saving are time and compound interest & I didn't want to miss out. I've had many disagree with me though.

Dave Ramsey is good advice. Also written in boom times so a little pie eyed now, but Smart Couples Finish Rich has good advice & Millionaire Next Door gives good insight on substance vs. style.[/quote]

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