If you could go back in time, how would you change what you've done financially? If you were granted a financial do-over, what would be different the second time around?

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Only one? I don't know that depends do we have foresite on the market in going back? Timing when we would buy our first house would have been different if we knew what the housing market was doing. We would have waited 5 more years to buy. We would be ahead because we are getting 12K for our home after all is said and done. We put at least that into remodeling so if we had rented even a really nice appartment we would have been able to save up at least 12K if not more then with a low interest rate and the 8K tax credit we would have more to go toward a nicer house now. Or we might have bought as soon as we were married if we had known DHs Job was secure. (he started 2 weeks after our honeymoon) Fore site might have had us investing and pulling out before the market turned or just putting funds into companies we know to suceed.
I might have chosen a different career path
We would have donated more in 2005. Just a few more deductions would have put us in a lower tax bracket.
Other things Eat out less, use the library more, buy a less expensive car.
I think on the big choices we made the right choice with the knowledge we had at the time. No real regrets

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Kimberly Proud Mommy to Bethany Rose April 2006 &

Organizer of the Coupon Clippers of Tacoma

We wouldn't have spent as much as we did on our credit card, or let a couple of bills go unpaid.. we also would have shopped around better before we bought out car.

We were young...and without a plan......and I wish we would have known what our life would have been life. But being in the military that proves to be a little difficult.

I wish we would have invested our "wedding gift monetary gifts" more wisely. We instead used that money to buy things for our house.

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I would have started saving at a much younger age.

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We also married young, without a financial plan. We made a lot of mistakes and I had no notion of how to budget or save. I'm still learning. I wish I would have discovered Dave Ramsey a whole lot earlier!

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Debt payoff:
debt: 4593.95

I wouldn't have taken a second mortgage out after my house was paid off. I would have only bought anything else with cash only, no credit. If I didn't have the money to buy I should not have boughten it.

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I would have lived within my means from the beginning (first moved out). Instead, I just started my 13 year journey of putting things on credit.

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Monica ~ Mommy to Matheu, 7 and Liliana, 2