Life Style! Ramya Disclaimer – don’t sue me, all info here is collected from the web, I really am not claiming originality or giving any sorta guarantees! Have a $uper day!

Value Circle Latte Factor Budgeting Tips for saving Planning for kids Carz! House I can talk all I want but you gotta do your own research and figure out what works for you. These tips should serve as a starting point to get you thinking about your Life Style!

Value Circle

Latte Factor

Budgeting

Tips for saving

Planning for kids

Carz!

House

Value Circle (Be, do, have) Source

Latte Factor One philosophy, there are many others… Tackle small everyday expenses – Satish is the boss! Cycle small sacrifices Don’t over-do it! (Or when money should not be an issue)

One philosophy, there are many others…

Tackle small everyday expenses – Satish is the boss!

Cycle small sacrifices

Don’t over-do it! (Or when money should not be an issue)

The 60% solution, budgeting & where does my money go?! Different philosophies to the same end. Source

Different philosophies to the same end.

Source

Cut down! Vacations Home Groceries Phone Classes Health Gas Cable Eating out Necessities Buying stuff Gifts Water Magazines Clothes Salon Movie rentals Concerts 20% 80%

Vacations

Home

Groceries

Phone

Classes

Health

Gas

Cable

Eating out

Necessities

Buying stuff

Gifts

Water

Magazines

Clothes

Salon

Movie rentals

Concerts

Tips! Pay yourself first (401k, IRA, mortgage, health…), earn/save for what you must spend next. Deal or no deal? Save Energy – tips ? Water conservation Emergency fund Tithing For reference

Pay yourself first (401k, IRA, mortgage, health…), earn/save for what you must spend next.

Deal or no deal?

Save Energy – tips ?

Water conservation

Emergency fund

Tithing

For reference

Babies ‘r us! The planning phase: Health insurance Life insurance Long-term disability Will

The planning phase:

Health insurance

Life insurance

Long-term disability

Will

Day care/Nanny care costs Super nanny may cost $350 - $700 a week Stats from $16800/yr to $27644/yr (live-in-nanny) $5.15 - $20/hour Employer tax? Day care - $250 - $1250/month = $3000 - $15000/yr < 1 year means $1000 extra.

Day care/Nanny care costs

Super nanny may cost $350 - $700 a week

Stats from $16800/yr to $27644/yr (live-in-nanny)

$5.15 - $20/hour

Employer tax?

Day care - $250 - $1250/month = $3000 - $15000/yr

< 1 year means $1000 extra.

Other options? Part-time or 4 days/week (consequences) Baby sitters, play dates, parents, SAHM (stay-at-home-mom) Dependent care spending account - can claim 20-30% (upto $3000/kid, $6000/2 or more kids) Long-term $100k - $200k for education (17 years) Source

Other options?

Part-time or 4 days/week (consequences)

Baby sitters, play dates, parents, SAHM (stay-at-home-mom)

Dependent care spending account - can claim 20-30% (upto $3000/kid, $6000/2 or more kids)

Long-term

$100k - $200k for education (17 years)

Source

Hybrid Cars? 2005 Toyota Prius - $21815 2006 Honda Civic hybrid - $16322 2006 Toyota Prius – save $800/yr (@$2.69 and 24 miles/gallon, 12k miles/yr) Ford escape hybrid SUV(~$25000) - $237/yr

2005 Toyota Prius - $21815

2006 Honda Civic hybrid - $16322

2006 Toyota Prius – save $800/yr

(@$2.69 and 24 miles/gallon, 12k miles/yr)

Ford escape hybrid SUV(~$25000) - $237/yr

Mini-vans vs SUVs SUVs – 33% less fuel efficient, more insurance, roll-overs, parking space Minivans – hybrid? Old Source

SUVs – 33% less

fuel efficient, more insurance, roll-overs, parking space

Minivans – hybrid?

Old Source

Tax Cuts! Upto $3400 on hybrid cars 2006 Honda Accord hybrid - $650 2006 Ford Escape Hybrid - $2600 On the first 60,000 cars sold. Alternate fuel vehicles – ethanol, natural gas? Research! Source

Upto $3400 on hybrid cars

2006 Honda Accord hybrid - $650

2006 Ford Escape Hybrid - $2600

On the first 60,000 cars sold.

Alternate fuel vehicles – ethanol, natural gas?

Research!

Source

Buy vs rent! Life changes – marriage, children, r2i How much house? Buyer’s remorse? Owning vs renting pros & cons (google!) House maintenance & furniture – mortgage, property tax – Kamal?

Life changes – marriage, children, r2i

How much house?

Buyer’s remorse?

Owning vs renting pros & cons (google!)

House maintenance & furniture – mortgage, property tax – Kamal?

For the Lazy bones! 7 Ways to Take Charge of Your Finances in 2007 Personal Finance blogs All financial matters Wesabe

7 Ways to Take Charge of Your Finances in 2007

Personal Finance blogs

All financial matters

Wesabe