以下是引用boyuanqian在2008-3-25 21:39:00的发言：

确实满紧的。。。没得可省了。。。

只有开源了

en,

我也这么觉得的

赫赫，我在工作啊

既然你们每年退税可以退回来一大笔，相当于你给了政府无息贷款，建议你改一下w4的exemption，这样每个月witheld的税就少了，到手的钱就多了。你们每月的车贷款确实不少，车贷又不能免税，搞个0apr的信用卡给付清了吧。

让你老公找工作吧，或者搞搞ebay也行，开源嘛。

how to do it? I'll buy a new car soon.

以下是引用mingxing在2008-3-26 11:10:00的发言：

how to do it? I'll buy a new car soon.

就是等有信用卡开卡0apr promotion的时候开个卡，然后借一笔钱还车贷，这样的话就等于无息贷款了。不过要记得在0apr到期前把信用卡的债还了，要不然好大一笔利息呢。

mingxing我觉得你们家经济条件应该跟我们家差不多呀，都是两个孩子，怎么着你们的家庭收入也比我上学的时候家庭收入高吧？

pay by CC check, right?

impossible. You husband have been working for so many years a

I remember that you said that you can save 2000$ monthly when you were a student, in your long-time-ago post.

以下是引用mingxing在2008-3-26 13:04:00的发言：

pay by CC check, right?

impossible. You husband have been working for so many years a

I remember that you said that you can save 2000$ monthly when you were a student, in your long-time-ago post.

是的，用CC check付。

你是ph.d毕业，工资应该不低（我对统计的newly start salary还是很了解的）。再加上你老公的工资，肯定比我上学的时候的家庭收入高。