Number Crunching: A College Fund

My daughter is three. We are going to open her a 529 savings college plan with a $1,000 initial deposit into it. We plan on putting $500.00 per year in to the plan for the next fifteen years. That is only $42.00 per month. (ok, it is really $41.66 per month). We can handle that. We’ll plan and budget for $500.00 per year, probably for a summer deposit, so it doesn’t come over the expensive December month. Since this is a 529 plan, the money will not be taxed. So, how much will she have for college? Can you figure … Continue reading

I Blew It. $75.00 That Is.

I blew it today. I got Christmas Decoration envy and went to the store and spent money. Budgeted money. It’s not my fault. Well, ok, it is my fault but I have a good reason. Over the last weekend Hubby and I went to a wonderful party in a new custom home that had been professionally decorated. The lady of the house had 106 Christmas trees. Yep. 106. Most of them were little miniature ones with white lights and the trees were stacked together in corners and on the mantle and all around the home in a very pretty elegant … Continue reading