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keep the highest deductible your auto financer will allow, and keep that much in reserve in savings in case you ever need it. Also, if you have a mortgage, go

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Old 06-14-2016, 04:26 PM   #1 (permalink)
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keep the highest deductible your auto financer will allow, and keep that much in reserve in savings in case you ever need it. Also, if you have a mortgage, go for a high deductible, and never make a house claim unless its catastrophic. One small claim on your homeowners insurance can make them drop you.

Also, I have a Sam's Club mastercard. It gives 5% back on gas, 3% on travel and dining and 1% on everything else. I use it for everything and pay on it about once a week so it doesn't get out of control. Keep a zero balance every month and last year they gave me about 1200 cash back.
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Old 06-14-2016, 04:46 PM   #2 (permalink)
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I created a spreadsheet of all my routine expenses, such as car payments, mortgage, credit card payments, internet, electric, etc., so I know how much I have left. I then set up an allotment for a reasonable amount to a savings account (not to include retirement) so I have a somewhat fixed amount to play with every paycheck.

My wife and I recently returned to Germany from Guam so my monthly compensation went down about $1K. It's just how it is, we get paid based on rank, marital status, and location. The cost of living in Germany is simply less compared to Guam so we really have to be mindful of our expenses.
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Last edited by /Angelo350Z/; 06-14-2016 at 04:49 PM.
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