Comments on: The Nitty Gritty – Details Of My Financial Hole

By: Stay At Home Jobs

Stay At Home Jobs — Tue, 28 Apr 2009 17:45:57 +0000

Great post – I admire your honesty! It takes a lot of nerve to post your debt and how you feel about it – so kudos for that!

I think, like others have mentioned, the daycare bill is brutal! Have you ever considered working part time from home to offset this cost?

By: I’ve talked the talk, but have I walked the walk? | The Happy Rock

I’ve talked the talk, but have I walked the walk? | The Happy Rock — Tue, 13 Jan 2009 14:39:57 +0000

[...] originally included a credit card balance in my initial debt total. But I always pay off the balances, so I decided to not include it as debt in this [...]

By: One month checkup - July’s Expenses | The Happy Rock

One month checkup - July’s Expenses | The Happy Rock — Tue, 05 Aug 2008 02:35:46 +0000

[...] updates. Thanks for visiting!As you will recall I laid out my family’s monthly budget in my Nitty Gritty post and promised to track my expenses for the month so we could actually see how our money is [...]

By: Regrets, I have a few…should I sell the car? | The Happy Rock

Regrets, I have a few…should I sell the car? | The Happy Rock — Wed, 23 Jul 2008 03:52:46 +0000

[...] promise that eventually I’ll quit referring to the Nitty Gritty post. But a subject was brought up in the comments that I thought should be explored [...]

By: Daycare Dilemma - Exlporing Ways To Cut Costs | The Happy Rock

Daycare Dilemma - Exlporing Ways To Cut Costs | The Happy Rock — Thu, 17 Jul 2008 11:43:51 +0000

[...] you have a job and kids, the issue of daycare is bound to come up. As my Nitty Gritty post showed, it is our biggest monthly expense. And I bet that is true for a lot of [...]

By: John (Debt Defier)

John (Debt Defier) — Thu, 17 Jul 2008 03:46:58 +0000

Thanks for all the comments. I’m still getting used to the idea of people actually reading this stuff.

John Doe – I wish I knew a secret way to shrink our daycare bills. But other than cutting back or finding a cheaper one, I can’t think of any. The Daycare post is coming soon.

Rescue Team – You are absolutely correct. I don’t have much to add, other than I think you are right on.

GRBerry & Pete – You both touch on subjects that I’ll be dealing with in upcoming posts.

Drew – I can’t wait for my kids to go to school. Even if I sent them to the private school in town, it would STILL be cheaper than daycare.

Scott – I live in South Dakota, which is quite affordable. And yes my stint here at The Happy Rock is more for fun & knowledge, then it is for the money.

But the money does help

By: Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals — Wed, 16 Jul 2008 23:00:43 +0000

[...] The Nitty Gritty — Details Of My Financial Hole @ The Happy Rock [...]

By: Scott

Scott — Wed, 16 Jul 2008 22:34:48 +0000

I’m quite new on this blog, I was wondering where do you live so that I can better understand these numbers.

Seems like a very affordable location to live though to me, minus the daycare charges which are pretty high.

I take it you don’t just work online then and this is more for fun then anything?

Did you add any online revenue into those figures listed?

Thanks, Scott.

By: Drew "The Solution"

Drew "The Solution" — Tue, 15 Jul 2008 07:55:51 +0000

The Increase in living cost in relation to income is “biting” everyone. My mortgage is over $280,000 in areas, but my wife and I both work.

That said, each bout of interest rate rises means less money to spend on luxuries (not that their is many of those at the moment).

If the kids weren’t in school daycare cost would cripple us.

By: Pete

Pete — Mon, 14 Jul 2008 15:27:16 +0000

Have you thought about selling the car for a cheaper one? That $330 a month could go a long ways towards paying off other debt? There are a lot of quality used cars that you could buy that would be cheaper?

I bought a 2001 Chevy about 5 years ago for $7000, and it was paid off within 2 1/2 years. payments were only $200 for 2 years. (next time i’m going to pay cash for my car)