I thought that with all the bailout, market crash, & energy ruckus, we could have a little poll of our personal finances. It's interesting to see what sorts of situations Ledgies are in.
1. About how much do you owe in personal line-of-credit debt? Do you expect to be able to pay it off in decent time?
Way too much, but pay on it every month
2. Do you owe on a car loan? Do you lease?
Almost paid it all off, as I only have about 6 more payments to go.. yipeee..
3. Is your mortgage loan a fixed or variable rate?
I rent.. so, no mortgage
4. Do you feel stuck in a bad mortgage deal?
Nope.. as I said, I rent an apartment.
5. Do you buy gasoline in the early morning or the evening, believing that since gas expands in the heat of the day, you get more for your dollar when it's cooler?
It varies, as I get it when I need it, and that's usually in the afternoons/ evening.
6. Are you a renter hoping to buy some day? Would you ever sign a mortgage loan with no money (or very little money) down?
Actually, I'm very happy renting an apartment. I don't want to be a home owner, as there's just too much to keep up with.
7. Do you have medical insurance? Through your employer? Private policy? HMO or Private policy.
8. Do you have adequate savings (adequate for a rainy day, for example)?
I'm going to have to say no to this one, as I'm in between jobs right now, and I've just spent a lot of money going through that stupid storm, with different things..
9. Do you have a retirement account of some sort? 401(k)? IRA? Roth IRA? Annuity? Do you max out contributions or contribute what you can?
Yes, I have 2 IRA's
10. How often do you eat out?
Pretty often.
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