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Old 02-25-2009, 09:02 AM   #21
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Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
Originally Posted by Dennis View Post
Yes, a good Exercise, but I do MORE Buying in times like these.. I search for Replacing my Cars, Home Products and everything else I can at -25% differences in most cases..Just got a 2008' Car for $6k less than just 6 mos ago and got full price value for my 2005...but the 08' was a Repo... Got thru my bank..
Just goes to show -- if you have a secure and reliable income stream, there's no better time to go shopping for big ticket items than now. I know that if I felt better about job security, I'd be doing a lot of stuff we've been deferring for the last few months and booking some travel bargains. We've been getting bombarded with offerings from the cruise lines with deals I've simply never seen before. I hate that I don't feel confident enough to burn cash to go after some of what I've seen recently.

Personally, 2008 was our best year ever for saving, and if I keep my job 2009 will likely be as good or better.
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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Old 02-28-2009, 09:52 AM   #22
Confused about dryer sheets
Join Date: Feb 2009
Posts: 6
That is one heck of a savings rate. I guess my ratio is 2y saving to 1y living. I am double paying my 15 mortgage and have no other debt. Currently I match my salary through investment income, which gets reinvested and is not included in the ratio. I do include a sizable health insurance expenditure in the future - roughly equal to my mortgage.

In my planning annual expenses in retirement equal current levels - I don't see me saving 33% a month.
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