retire48in2018
Recycles dryer sheets
- Joined
- Mar 12, 2008
- Messages
- 374
There have been a few threads about a few different topics that relate that would take time and effort to realize. We just did our annual budget, and were prioritizing our spending with a down market. How much effort to chase down these other savings would you do - to allow your $ to be used elsewhere, or just because you want to always stretch your money?
The threads that I have seen - and the impact for people in similar situations (have $ in Fidelity, can go with aT&T for cell, etc) -
1 - Fidelity free turbotax premier by downloading - this might involve contacting Fidelity to get it, and then figuring out how to download vs online. Worth around $70-$80.
2 - Getting the AT&T 15 GB data $300/year plan. this might involve moving your cell phone # to another carrier, so you can then join AT&T as a new customer to get this deal. Worth perhaps $200/cell, so assume 2 lines - $400 per year
3 - Move your emergency/savings fund (current years' expenses) to highest interest bearing account - this might mean opening a savings account somewhere else, moving money to it, and then again when that deal expires - Worth maybe $2000 per year
4 - moving your AA bond fund to multiple I-bonds and cd ladder. This involves getting government accounts for both of you (I-bonds), gifting, and then creating cd ladder over 5 years. Worth - unknown, but lower risk (from bond funds with market returns to known returns with I-bonds and CD-ladders)
So - the poll - which of these would you do?
The threads that I have seen - and the impact for people in similar situations (have $ in Fidelity, can go with aT&T for cell, etc) -
1 - Fidelity free turbotax premier by downloading - this might involve contacting Fidelity to get it, and then figuring out how to download vs online. Worth around $70-$80.
2 - Getting the AT&T 15 GB data $300/year plan. this might involve moving your cell phone # to another carrier, so you can then join AT&T as a new customer to get this deal. Worth perhaps $200/cell, so assume 2 lines - $400 per year
3 - Move your emergency/savings fund (current years' expenses) to highest interest bearing account - this might mean opening a savings account somewhere else, moving money to it, and then again when that deal expires - Worth maybe $2000 per year
4 - moving your AA bond fund to multiple I-bonds and cd ladder. This involves getting government accounts for both of you (I-bonds), gifting, and then creating cd ladder over 5 years. Worth - unknown, but lower risk (from bond funds with market returns to known returns with I-bonds and CD-ladders)
So - the poll - which of these would you do?
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