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	<title>Comments on: The Money Diaries: The 20-something coupon-clipper</title>
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	<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/</link>
	<description>Personal finance blog for college students, recent graduates and everyone else -- including entrepreneurship -- for getting rich. Featured in the Wall Street Journal and New York Times.</description>
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		<title>By: Inspired</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-106014</link>
		<dc:creator>Inspired</dc:creator>
		<pubDate>Mon, 03 Aug 2009 19:32:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-106014</guid>
		<description>I just started my own blog inspired by The Money Diary series on this site because I know that tracking my family&#039;s spending will help us realize what we need to cut back on and change. I will try to track my spending constantly instead of one week, and we&#039;ll see how things improve a few weeks, months or a year from now. Thanks for the inspiration, Ramit!</description>
		<content:encoded><![CDATA[<p>I just started my own blog inspired by The Money Diary series on this site because I know that tracking my family&#8217;s spending will help us realize what we need to cut back on and change. I will try to track my spending constantly instead of one week, and we&#8217;ll see how things improve a few weeks, months or a year from now. Thanks for the inspiration, Ramit!</p>
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		<title>By: Ramit Sethi</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-105390</link>
		<dc:creator>Ramit Sethi</dc:creator>
		<pubDate>Fri, 31 Jul 2009 23:06:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-105390</guid>
		<description>Yeah people don&#039;t realize that if they try to sell their diamonds, they&#039;ll only get pennies on the dollar. Seriously. Try taking any diamond to sell tomorrow and you&#039;ll be SHOCKED by the paltry amount you&#039;ll be offered for it. More about diamond marketing &lt;a href=&quot;http://delicious.com/ramitsethi/diamonds&quot; rel=&quot;nofollow&quot;&gt;here&lt;/a&gt;.</description>
		<content:encoded><![CDATA[<p>Yeah people don&#8217;t realize that if they try to sell their diamonds, they&#8217;ll only get pennies on the dollar. Seriously. Try taking any diamond to sell tomorrow and you&#8217;ll be SHOCKED by the paltry amount you&#8217;ll be offered for it. More about diamond marketing <a href="http://delicious.com/ramitsethi/diamonds" rel="nofollow">here</a>.</p>
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		<title>By: NorthernGirl</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-105381</link>
		<dc:creator>NorthernGirl</dc:creator>
		<pubDate>Fri, 31 Jul 2009 22:23:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-105381</guid>
		<description>I didn&#039;t think I&#039;d read all 85 of these comments -  but I did. Wow. I was happy about the update too... good luck &amp; congrats with all.

I guess the only other response I have is to the person who suggested holding out for a bigger diamond - as insurance. It&#039;s obvious to me that you&#039;ve never bought, owned or tried to sell diamonds. They are not the hot commodity they once were. I am the proud owner of a $10k (yes, appraised) hunk of a rock that I cannot sell (we&#039;re divorced and I&#039;d rather use the cash towards our kids&#039; college savings plans.) Diamond jewelry is desperately over-inflated and you will never be able to get a decent return from an estate piece (which is what &#039;used&#039; jewelry is romanticized as.) I guess there are exceptions - but if you or he pays full retail for a  diamond, you&#039;ve already been had. Don&#039;t count it as an asset. Don&#039;t start sewing pockets into your dresses for when you steal away in the night... you&#039;ll be stuck with saggy hemlines.</description>
		<content:encoded><![CDATA[<p>I didn&#8217;t think I&#8217;d read all 85 of these comments &#8211;  but I did. Wow. I was happy about the update too&#8230; good luck &amp; congrats with all.</p>
<p>I guess the only other response I have is to the person who suggested holding out for a bigger diamond &#8211; as insurance. It&#8217;s obvious to me that you&#8217;ve never bought, owned or tried to sell diamonds. They are not the hot commodity they once were. I am the proud owner of a $10k (yes, appraised) hunk of a rock that I cannot sell (we&#8217;re divorced and I&#8217;d rather use the cash towards our kids&#8217; college savings plans.) Diamond jewelry is desperately over-inflated and you will never be able to get a decent return from an estate piece (which is what &#8216;used&#8217; jewelry is romanticized as.) I guess there are exceptions &#8211; but if you or he pays full retail for a  diamond, you&#8217;ve already been had. Don&#8217;t count it as an asset. Don&#8217;t start sewing pockets into your dresses for when you steal away in the night&#8230; you&#8217;ll be stuck with saggy hemlines.</p>
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		<title>By: Kayla</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-104065</link>
		<dc:creator>Kayla</dc:creator>
		<pubDate>Thu, 23 Jul 2009 13:25:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-104065</guid>
		<description>Time to find an employed man who can make his own phone calls and buy his own contact solution!</description>
		<content:encoded><![CDATA[<p>Time to find an employed man who can make his own phone calls and buy his own contact solution!</p>
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		<title>By: Oz</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-104026</link>
		<dc:creator>Oz</dc:creator>
		<pubDate>Thu, 23 Jul 2009 03:08:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-104026</guid>
		<description>Jumping on the bandwagon a little late, here.

I find the plethora of &quot;postpone the wedding several years&quot; comments to be more than a tad annoying. I&#039;m young myself, but I know many couples who married &quot;too early&quot; and are doing about as well as any other married couple.

I will say that this sort of relationship-impatience (I loathe to use the phrase &quot;rush to the altar&quot;) is characteristic of new relationships. If you mesh well together, that will fade away and simply being next to each other is more than enough. That&#039;s about the time when the prospect of marriage takes on a new, intriguing patina.

Taking legal responsibility for someone else&#039;s debt is just never a good idea, no matter who they are or how much you may love them. This alone is reason enough for me to agree with the suggestion to hold off on signing the nuptial papers until you are both 110% certain of where each of you stands financially, and where you stand as a single unit.

Whether that takes two weeks or two years just depends on the two of you.</description>
		<content:encoded><![CDATA[<p>Jumping on the bandwagon a little late, here.</p>
<p>I find the plethora of &#8220;postpone the wedding several years&#8221; comments to be more than a tad annoying. I&#8217;m young myself, but I know many couples who married &#8220;too early&#8221; and are doing about as well as any other married couple.</p>
<p>I will say that this sort of relationship-impatience (I loathe to use the phrase &#8220;rush to the altar&#8221;) is characteristic of new relationships. If you mesh well together, that will fade away and simply being next to each other is more than enough. That&#8217;s about the time when the prospect of marriage takes on a new, intriguing patina.</p>
<p>Taking legal responsibility for someone else&#8217;s debt is just never a good idea, no matter who they are or how much you may love them. This alone is reason enough for me to agree with the suggestion to hold off on signing the nuptial papers until you are both 110% certain of where each of you stands financially, and where you stand as a single unit.</p>
<p>Whether that takes two weeks or two years just depends on the two of you.</p>
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		<title>By: aaron 8 Pillars</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-103804</link>
		<dc:creator>aaron 8 Pillars</dc:creator>
		<pubDate>Tue, 21 Jul 2009 06:31:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-103804</guid>
		<description>I have found that a successful marriage is founded upon similar goals and values. 8 Pillars offers a financial education course that really helped me and my wife get on the same page. I am very passionate about financial literacy. 
I think coupon clipping and budgeting are good when they are inline with you and your partners financial goals. Budgeting isn&#039;t an end in itself.</description>
		<content:encoded><![CDATA[<p>I have found that a successful marriage is founded upon similar goals and values. 8 Pillars offers a financial education course that really helped me and my wife get on the same page. I am very passionate about financial literacy.<br />
I think coupon clipping and budgeting are good when they are inline with you and your partners financial goals. Budgeting isn&#8217;t an end in itself.</p>
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		<title>By: JimE</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-103549</link>
		<dc:creator>JimE</dc:creator>
		<pubDate>Fri, 17 Jul 2009 14:47:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-103549</guid>
		<description>@JM
Glad to see you followed up on this. Since everything appears in order you seem good to go. Nice to see what appeared to be a success story in the making actually become one (contrary to all the naysayers). Now about those kids you won&#039;t have...... 
:)</description>
		<content:encoded><![CDATA[<p>@JM<br />
Glad to see you followed up on this. Since everything appears in order you seem good to go. Nice to see what appeared to be a success story in the making actually become one (contrary to all the naysayers). Now about those kids you won&#8217;t have&#8230;&#8230;<br />
 <img src='http://www.iwillteachyoutoberich.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Weekly links to Posts I've enjoyed &#124; The Monetize blog by Michael Fletcher</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-103515</link>
		<dc:creator>Weekly links to Posts I've enjoyed &#124; The Monetize blog by Michael Fletcher</dc:creator>
		<pubDate>Fri, 17 Jul 2009 02:39:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-103515</guid>
		<description>[...] The 20 something Coupon clipper – I Will Teach You To Be Rich’s Money Diaries look at a typical 20 something so busy doing the wrong things she has no time to realize it. [...]</description>
		<content:encoded><![CDATA[<p>[...] The 20 something Coupon clipper – I Will Teach You To Be Rich’s Money Diaries look at a typical 20 something so busy doing the wrong things she has no time to realize it. [...]</p>
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		<title>By: Vonny</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-103451</link>
		<dc:creator>Vonny</dc:creator>
		<pubDate>Thu, 16 Jul 2009 03:40:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-103451</guid>
		<description>@JM 

I&#039;m glad you posted the update. Sounds like things are going alot better than they had when you posted the original diary entry. I am happy to hear that T got a job, your eloping was ok with your families and you are discussing how to handle his debt together. Now that you both have jobs I think it will be much easier and less stressful on the money side of things. Sounds like you are back on track :)</description>
		<content:encoded><![CDATA[<p>@JM </p>
<p>I&#8217;m glad you posted the update. Sounds like things are going alot better than they had when you posted the original diary entry. I am happy to hear that T got a job, your eloping was ok with your families and you are discussing how to handle his debt together. Now that you both have jobs I think it will be much easier and less stressful on the money side of things. Sounds like you are back on track <img src='http://www.iwillteachyoutoberich.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: The 20-something coupon-clipper</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-coupon-clipper/comment-page-2/#comment-103438</link>
		<dc:creator>The 20-something coupon-clipper</dc:creator>
		<pubDate>Wed, 15 Jul 2009 23:18:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/?p=3165#comment-103438</guid>
		<description>David, thank you for the nice notes.  I agree with you on the college costs being a sunk cost.  My husband T did not expect to meet anyone or get married.  Actually, he was quite set on that.  His plan was to go to culinary school and work 24/7 the rest of his life.

Then he met me and that changed.

If he continued with his culinary degree (which would be another two years) it would cost infinitely a lot more money (culinary school runs about $30,000 per year for tuition ALONE) and he would have ended up with a similar job situation that he is in right now.  He is well respected and liked at his restaurant, and is in charge of the food.  (It&#039;s a gourmet restaurant to boot)

But now that we are married, long term, he would like to eventually go back to school (at a much cheaper state school) for possibly business or real estate.</description>
		<content:encoded><![CDATA[<p>David, thank you for the nice notes.  I agree with you on the college costs being a sunk cost.  My husband T did not expect to meet anyone or get married.  Actually, he was quite set on that.  His plan was to go to culinary school and work 24/7 the rest of his life.</p>
<p>Then he met me and that changed.</p>
<p>If he continued with his culinary degree (which would be another two years) it would cost infinitely a lot more money (culinary school runs about $30,000 per year for tuition ALONE) and he would have ended up with a similar job situation that he is in right now.  He is well respected and liked at his restaurant, and is in charge of the food.  (It&#8217;s a gourmet restaurant to boot)</p>
<p>But now that we are married, long term, he would like to eventually go back to school (at a much cheaper state school) for possibly business or real estate.</p>
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