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Money and Finances
Reply to "If you had ZERO debt?"
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[quote=Anonymous]12:00 here - we aren't really big spenders - we only have one car (which we paid for in cash), don't have student loans anymore, etc and make saving a priority. both of us work. stuff we need for the kid i get used or borrow, for the most part. we seek out free stuff to do, use miles for traveling (when we do it), etc. i think it is just a combo of making it a priority (fully funding the IRAs, fully funding up to company match of 401ks, investing X amount each month in after-tax account, etc). we also have a budget for everything - for example gifts - we decide how much we will spend for a year (50.00 a sibling for Xmas, for example) and we just save for it all year. i think it's just a bunch of small decisions that just add up.[/quote]
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