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Savings in the US is said to be at the lowest rate in decades...

By Kajikit in General Polls

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Do you have a 'nest egg'?  

90 members have voted

  1. 1. How many bank accounts do you have between you?

    • Just one
      18
    • One account each
      3
    • Two (one or both joint)
      18
    • Three - single acc each + joint.
      21
    • Four or more
      21
    • No account in US
      2
    • Other
      7

  2. 2. Do you put money aside for a savings account (whether or not you have an actual account)

    • To be honest, we haven't thought about it
      0
    • No savings account yet, but we're planning to start one.
      7
    • Can't afford to pay the bills we have now, let alone saving!
      11
    • 'Nest egg' account is in your home country
      3
    • We have a nest egg, but not in the bank...
      2
    • We spent all our savings on immigration-related expenses. (house, car, visas etc)
      5
    • We're slowly saving up some money, but it's hard...
      21
    • Yes, we save money from each pay check.
      20
    • Yes, we save as much as we can.
      15
    • Other.
      6

  3. 3. Roughly how big is your nest egg, if you have one...

    • We don't have one
      17
    • Less than a thousand dollars
      14
    • 1-2,500
      12
    • 5,000
      4
    • 10,000
      5
    • 15,000
      3
    • 25,000
      11
    • 50,000
      5
    • More than 50,000
      19

39 posts in this topic

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Kajikit Proficient

Kajikit   65

Posted
Filed: Citizen (apr) Country: Australia
 Timeline
Posted

Well?

Karen - Melbourne, Australia/John - Florida, USA

- Proposal (20 August 2000) to marriage (19 December 2004) - 4 years, 3 months, 25 days (1,578 days)

STAGE 1 - Applying for K1 (15 September 2003) to K1 Approval (13 July 2004) - 9 months, 29 days (303 days)

STAGE 2A - Arriving in US (4 Nov 2004) to AOS Application (16 April 2005) - 5 months, 13 days (164 days)

STAGE 2B - Applying for AOS to GC Approval - 9 months, 4 days (279 days)

STAGE 3 - Lifting Conditions. Filing (19 Dec 2007) to Approval (December 11 2008)

STAGE 4 - CITIZENSHIP (filing under 5-year rule - residency start date on green card Jan 11th, 2006)

*N400 filed December 15, 2011

*Interview March 12, 2012

*Oath Ceremony March 23, 2012.

ALL DONE!!!!!!!!

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Kajikit Proficient

Kajikit   65

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Filed: Citizen (apr) Country: Australia
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To be fair, I'll answer first - we have three bank accounts, his, mine and ours... actually we'll be opening a fourth some time soon and hopefully closing his old one because I HATE that bank with a passion.

And no we have no nestegg whatsoever... neither of us brought any significant assets to the marriage, and it's hard enough to pay the bills on time every month :( We both know that savings is important and we'd LIKE to start saving money but it hasn't happened yet.

Karen - Melbourne, Australia/John - Florida, USA

- Proposal (20 August 2000) to marriage (19 December 2004) - 4 years, 3 months, 25 days (1,578 days)

STAGE 1 - Applying for K1 (15 September 2003) to K1 Approval (13 July 2004) - 9 months, 29 days (303 days)

STAGE 2A - Arriving in US (4 Nov 2004) to AOS Application (16 April 2005) - 5 months, 13 days (164 days)

STAGE 2B - Applying for AOS to GC Approval - 9 months, 4 days (279 days)

STAGE 3 - Lifting Conditions. Filing (19 Dec 2007) to Approval (December 11 2008)

STAGE 4 - CITIZENSHIP (filing under 5-year rule - residency start date on green card Jan 11th, 2006)

*N400 filed December 15, 2011

*Interview March 12, 2012

*Oath Ceremony March 23, 2012.

ALL DONE!!!!!!!!

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Cassie Mentor

Cassie   8

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Filed: Citizen (pnd) Country: Canada
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We have a joint savings, joint chequing, a savings account in my name, a chequing account in my name, and my two accounts in Canada that we are keeping open to pay off my debt and student loan. I think we're covered. :whistle:;)

We have $700 set aside in my savings account in case of emergency, so that we don't use our credit cards-- we're trying to get rid of our credit card debt. Once we do that, then there will be more going to savings. With my student loan and stuff, it's really really hard to find the extra to pay them down, since our budget is tight. So we've had a lot of yard sales!

Oh, and Jerry has his 401(k).

*Cheryl -- Nova Scotia ....... Jerry -- Oklahoma*

Jan 17, 2014 N-400 submitted

Jan 27, 2014 NOA received and cheque cashed

Feb 13, 2014 Biometrics scheduled

Nov 7, 2014 NOA received and interview scheduled


MAY IS NATIONAL STROKE AWARENESS MONTH
Educate Yourself on the Warning Signs of Stroke -- talk to me, I am a survivor!

"Life is as the little shadow that runs across the grass and loses itself in the sunset" ---Crowfoot

The true measure of a society is how those who have treat those who don't.

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w¡n9Nµ7 §£@¥€r Grand Master

w¡n9Nµ7 §£@¥€r   123

Posted
Filed: Timeline
Posted (edited)

two joint accounts, one checking and one saving. and a brokerage acct of my owb. Our savings account is a joke really, i need to move to to ING direct or HSBC or something. Or maybe some CDs. I also have a few 401ks and an IRA. I am going to open my wife a roth IRA before april 17 deadline too. I havent managed to save much in the last two years, what with the travel back and forth, the wedding/reception and new furniture etc. And a new car soon too :( But hopefully the savings will grow again soon, one fine day.

And you cant seriously expect me to say how much I have.. that's personal.

Edited by Agent Smith

Man is made by his belief. As he believes, so he is.

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Kajikit Proficient

Kajikit   65

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Filed: Citizen (apr) Country: Australia
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Posted

No, you don't have to say exactly how much money you have... I was mostly interested in whether you had nothing, a little, or a lot, and whether we're the only ones who are totally broke!

Karen - Melbourne, Australia/John - Florida, USA

- Proposal (20 August 2000) to marriage (19 December 2004) - 4 years, 3 months, 25 days (1,578 days)

STAGE 1 - Applying for K1 (15 September 2003) to K1 Approval (13 July 2004) - 9 months, 29 days (303 days)

STAGE 2A - Arriving in US (4 Nov 2004) to AOS Application (16 April 2005) - 5 months, 13 days (164 days)

STAGE 2B - Applying for AOS to GC Approval - 9 months, 4 days (279 days)

STAGE 3 - Lifting Conditions. Filing (19 Dec 2007) to Approval (December 11 2008)

STAGE 4 - CITIZENSHIP (filing under 5-year rule - residency start date on green card Jan 11th, 2006)

*N400 filed December 15, 2011

*Interview March 12, 2012

*Oath Ceremony March 23, 2012.

ALL DONE!!!!!!!!

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j&js Community Regular

j&js   0

Posted
Filed: K-1 Visa Country: Ireland
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We have a few bank accounts between us, but he's moving here this weekend so I guess one of them is about to be closed out :whistle:

And between my car and student loans, we aren't able to save much, but for our first years out of college, I would say we aren't doing too badly! And we know savings are important and will try!

Timeline:

11-15-2005: Sent in I-129F to VSC

11-21-2005: NOA1

11-29-2005: NOA2

12-05-2005: NVC recieved

12-17-2005: Packet 3 received from Dublin

1-11-2006: Sent packet 3 forms, etc. to Dublin

2-03-2006: Interview Date :)APPROVED!!!

2-05-2006: Flying to Logan Airport

2-11-2006: Wedding Date

3-14-2006: Filed AOS and EAD

3-22-2006: NOA1 (AOS and EAD)

4-07-2006: Biometrics

6-07-2006: EAD approved!!

7-24-2006: AOS Interview APPROVED!!!

7-27-2006: Received Welcome to America letter

8-03-2006: Green Card Received :)

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RaspberrySwirl Proficient

RaspberrySwirl   20

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Filed: Lift. Cond. (apr) Country: Belgium
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Posted

We have just one joint checking account, some money in savings but not a whole lot. Bought a car last year. We can pay our bills on time, no credit debts whatsoever so I think we're managing rather well. Would like to save up some more though. Maybe once David gets his yearly raise.

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daisy16 Community Regular

daisy16   0

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Filed: Citizen (pnd) Country: Canada
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OMG I have a lot of accounts! I believe in financial independence. We have joint saving and joint checking. Then I have my own saving and checking - gotta save for school. Then he has his own checking, and we're going to open up his saving account as soon as we have $ so that he can save up for all his computer gadgets that he loves. We're joint saving for our summer vacation to San Franscisco (sp?!) but that's not going so well yet. :lol: Lucky we've got 6 months.

btw, the poll about how much we have was a little too specific and personal. Unfortunately the software wouldn't let me answer just the first 2 questions.

Heading Home!

Naturalization

Feb 28/2011 - sent paperwork

Mar 3/11 - received text & email notification - they have it!

Mar 15/11 - text, email, and notice sent - biometrics booked

April 12/11 - biometrics done - I start studying

May - get the letter

June 27 - Interview and oath ceremony - same day

Lifting Conditions

Feb 5/08 - Sent paperwork by USPS - priority

Feb 14/08 - NOA issued

Feb 28/08 - Biometrics letter received for The Bronx Office - have to reschedule

Mar 22/08 - Biometrics rescheduled - LOVE the Saturday appointment!

Feb ?/09 - done!

I'M HIGHLY OPINIONATED WHEN I WANT TO BE, BUT I NEVER SAID I WAS RIGHT

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Lou Lou Proficient

Lou Lou   1

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Filed: Citizen (apr) Timeline
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I have 3 personal accounts and he has one. We have a savings account each and one joint one. Nest egg is pretty substantial thanks to house sale from London but essentially that is part of my pension at the moment until I decide what to do with it. He also has his own savings and an excellent pension. The joint savings account is being added to monthly. We're both pretty advanced in our careers so we're lucky but have been there with the student loans and being broke all the time including long term unemployment. It sucked!

Met the ole man in January 1998

Jan. 2004: K1 visa issued ~ April 2004: Got on a plane ~ Nov. 2004: GC in my mucky hands ~ Dec. 2006: Received 10 YR GC

September 2008 - US passport delivered!

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Kajikit Proficient

Kajikit   65

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Filed: Citizen (apr) Country: Australia
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There is no way to know who answers the poll question or what your answer is... it's totally anonymous... but i'm sorry i didn't put a 'none of your business' option. i didn't think of it but you could always say 'none'.

Personally I'm surprised at how many people have more than fifty thousand dollars saved up... that's an unimaginable amount of money to me.

Karen - Melbourne, Australia/John - Florida, USA

- Proposal (20 August 2000) to marriage (19 December 2004) - 4 years, 3 months, 25 days (1,578 days)

STAGE 1 - Applying for K1 (15 September 2003) to K1 Approval (13 July 2004) - 9 months, 29 days (303 days)

STAGE 2A - Arriving in US (4 Nov 2004) to AOS Application (16 April 2005) - 5 months, 13 days (164 days)

STAGE 2B - Applying for AOS to GC Approval - 9 months, 4 days (279 days)

STAGE 3 - Lifting Conditions. Filing (19 Dec 2007) to Approval (December 11 2008)

STAGE 4 - CITIZENSHIP (filing under 5-year rule - residency start date on green card Jan 11th, 2006)

*N400 filed December 15, 2011

*Interview March 12, 2012

*Oath Ceremony March 23, 2012.

ALL DONE!!!!!!!!

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w¡n9Nµ7 §£@¥€r Grand Master

w¡n9Nµ7 §£@¥€r   123

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Filed: Timeline
Posted
Personally I'm surprised at how many people have more than fifty thousand dollars saved up... that's an unimaginable amount of money to me.

50k+ really isn't that hard. Just takes time, that's all. How long have you and your spouse been working?

Man is made by his belief. As he believes, so he is.

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Kajikit Proficient

Kajikit   65

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Filed: Citizen (apr) Country: Australia
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Personally I'm surprised at how many people have more than fifty thousand dollars saved up... that's an unimaginable amount of money to me.

50k+ really isn't that hard. Just takes time, that's all. How long have you and your spouse been working?

I don't and I don't intend to. I'm a housewife all the way round. Which I know rules out the possiblity of saving because I 'might' be making a decent income... but I really don't see how much difference the income from a checkout chick or shelf stocker would make to us, and that's about the only job I'm qualified for.

Karen - Melbourne, Australia/John - Florida, USA

- Proposal (20 August 2000) to marriage (19 December 2004) - 4 years, 3 months, 25 days (1,578 days)

STAGE 1 - Applying for K1 (15 September 2003) to K1 Approval (13 July 2004) - 9 months, 29 days (303 days)

STAGE 2A - Arriving in US (4 Nov 2004) to AOS Application (16 April 2005) - 5 months, 13 days (164 days)

STAGE 2B - Applying for AOS to GC Approval - 9 months, 4 days (279 days)

STAGE 3 - Lifting Conditions. Filing (19 Dec 2007) to Approval (December 11 2008)

STAGE 4 - CITIZENSHIP (filing under 5-year rule - residency start date on green card Jan 11th, 2006)

*N400 filed December 15, 2011

*Interview March 12, 2012

*Oath Ceremony March 23, 2012.

ALL DONE!!!!!!!!

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w¡n9Nµ7 §£@¥€r Grand Master

w¡n9Nµ7 §£@¥€r   123

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I don't and I don't intend to. I'm a housewife all the way round. Which I know rules out the possiblity of saving because I 'might' be making a decent income... but I really don't see how much difference the income from a checkout chick or shelf stocker would make to us, and that's about the only job I'm qualified for.

If you say so. All I have to say is, many people are "qualified" for a lot more than they realize, but since you don't intend to work anyway, it's a moot point. Good luck.

Man is made by his belief. As he believes, so he is.

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KarenCee Veteran

KarenCee   3

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Filed: Country: Canada
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Joel and I haven't gotten to that stage just yet....I suppose we'll have two checking accounts and a savings account. I have my teachers retirement and a VERY tiny IRA. Depends on how much we have to invest as to where that investment is put. :)

Teaching is the essential profession...the one that makes ALL other professions possible - David Haselkorn

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Chicky Explorer

Chicky   0

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Filed: K-3 Visa Country: Australia
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I have like 4 accts and I have one with ING Direct AS, I guess right now whatever money you deposit earns 4.75 for some special they are running.

I come out just even every month so can't save anything now. Once hubby s here and working most of his will go to savings as most of his will be disposable income as I currently live within my means.

Emily (Me) American (Oregon) - Shane (Him) Australian (Adelaide)

I-130

July 21st, 2005 - Mailed petition

July 25th, 2005 - Petition delivered to Nebraska

August 2nd, 2005 - Petition received at CSC

August 3rd, 2005 - Mailed NOA1

August 5th, 2005 - Money order cashed!!!!

August 9th, 2005 - Received NOA1 via snail mail

January 18th, 2006 - NOA2

I-129F

October 19th, 2005 - Mailed petition

October 23rd, 2005 - Petition delivered to Chicago Lockbox

October 26th, 2005 - NOA1

December 1st, 2005 - APPROVED!!!!

December 12th, 2005 - NVC Received

December 15th 2005 - Petition left NVC

December 28th, 2005 - Received by Sydney

January 2nd, 2006 - Packet 3 Received

January 9th, 2006 - DS-230 Pt. 1 and Checklist sent to Sydney

February 28th 2006 - INTERVIEW!!!!

March 2006 - He's home!!!! :)

Our 2 year anniversary!!!!

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Our 1 year marriage anniversary!!!!

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