Personal Finance Poll of Ledgies

[GODDESS6]

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?
0

2. Do you owe on a car loan? Do you lease?
i have 3 years left on my car loan


3. Is your mortgage loan a fixed or variable rate?
fixed thankfully, my friends is an adjustable rate & her paymnt went up 1000.00 in 2 months~

4. Do you feel stuck in a bad mortgage deal?
i would like a smaller interest rate, but it's not too bad~


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?
i never buy gas, they hubs does & it's always in the morning~ not sure why he goes in the morning except the gas station is right by my house on on his way to wrk~


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?
i did w/ this house~ but 50% of it was given to us in a will, we just had to get a mortgage to pay off the other 50% to my hubs siblings~ the bank didn't ask for anything down, so we didn't put anything down~


7. Do you have medical insurance? Through your employer? Private policy? HMO or PPO?
i have it thru mu hubs wrk, it's ppo~

8. Do you have adequate savings (adequate for a rainy day, for example)?
i used to, but w/ repairs to cars & house & a child, it's not like it used to be~

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?
nope~


10. How often do you eat out?
i get fast food every friday~ but i cook every other day of the week~ we eat out in fancier places for birthdays, anniversary's, stuff like that~ maybe like 6 times a year~