Cycling is hat I like most on my spare time. By doing it, I can see around, get healthy, find ideas, releasing my stress, eat somewhere along the journey and many more.
I really like this idea as well. My partner and I have a shared online emergency fund account, a shared travel account (sadly empty right now), and individual personal savings accounts.
Once we both have steady full-time jobs with better pay (we are in transition right now), I'd like to add more accounts like car expenses and insurance expenses and holiday expenses as well.
Well today at school this girl was telling my friend (that she trusts) that my zipper was unzipped. We were at the same table and she whispered it in her ear. I looked at her and she was biting her lip and had kind of raised eyebrows. Ive seen the look before when the teacher said someone was throwing things and I think it was her.Now I know how to tell if she is hiding something. I never liked her.
The key is to start saving/investing early in life and be consistent (save with every paycheck). Taking advantage of a matching 401k plan should be a no brainer. The power of compounding is lost on many people. Also maxing out contributions when possible, eliminating debt, avoiding risks with your nest egg, planning for multiple streams of income once retired (social security, pensions, dividends, part time work, etc.) and making catch up contributions once you reach 50 should all be part of everyone's plan. And work at staying healthy to reduce illness, injuries and medical costs. I recently found the site Retirement And Good Living which provides information on all these issues as well as many other retirement topics and also has several retirement and health calculators.
I so agree with you! The hardest part about saving for us is the social aspect. Most of our friends do not have savings and use their credit cards as slush funds. This is why we are so lucky to have a few friends like Martin, who live super-fun lives because they budget well.
Since I do make enough money to get out. Slooowly as it may be. I consolidated most of my debt to a refinanced mortgage at about 4%. Then had the bank automatically take the payments out. to avoid any late charges. What part I did not re-fi. I set up auto withdraw at minimum payments to charge cards. all add up to me making all my payments on time. (debts not utilities) . I sent a letter (printed and mailed) not emailed. To one of my doctors. Told him that the hospital took 30% off of my bill. He, Then agreed to take 30% off of his $500.00 bill. of course he should have because he sucked. and should have been sued. but that isn't the point. the point is maybe some of these guys (medical) will give a discount if deserved.
I could get things. On time, if it wasn't for the Doctor/medical stuff. You didn't mention that. Things are going to collection. Then I loose track who I owe, What.
I refuse to put any more . Medical stuff on credit cards.
I'm not paying any more medical stuff until they do go to collections. because then I can set up a payment plan.
This is genuinely one of the most helpful financial posts I have ever seen. I loved the sneaky insight into Comcast! I will be calling them asap-- we are chipping away at 550k in student loans and need every penny we can get. Thanks for the scoop!
I've baked for neighbors and offered them items, like tables, that I was going to donate. We've also shared items that we have no need for all the time. My neighbors in the past have helped me with finding free street parking, which helped me avoid paying for parking and also getting a hefty ticket.
This was over ten years ago, but I think it was pretty nice. It was completely free.
I used to live in Ft Lauderdale, and a big hurricane was coming in the next few days. In South Florida a lot of new houses come with hurricane shutters: big, heavy sheets of corrugated metal that you hang on bolts that must be unscrewed from above and under the windows and then screwed back in. It takes a long time to do, it's labor intensive, and cuts from the metal sheets are common.
The kind elderly man (he was pushing 70) who lived behind us, and was our BEST neighbor by far, didn't have his up yet (he lived here in the States while his adult children still lived in Jamaica). I asked my dad if we could help him out, knocked his door to offer our help, and we worked into the evening getting all his shutters up.
In my neighborhood if we no longer need something we put it out by the curb and anyone is welcome to help themselves. Pretty much anything from furniture, household items, clothes, tools, pet items. It has been a great help to me and to my neighbors. There is always something someone else can use.
Hi there! This blog post couldn't be written much better! Looking at this article reminds me of my previous roommate! He continually kept talking about this. I most certainly will forward this information to him. Pretty sure he'll have a great read. I appreciate you for sharing!
Good for you! I wish I had your tenacity! I am so admiring your hard work! Keep us posted...Thanks so much for sharing.
"I totally disagree with this article"
first of all, get a life, second shut up, and third, i dont see you writing an article
also this article was written with some research, unlike your statement purely on experience and speculation.
you don't know if your vitamins really have the same main ingredients, FYI Counterfeit exist and fake stuff, not all labels are real at dollar stores.
I have watched their kids a few times. They are friends with my kids so it really isn't much work at all.
One time I noticed that they didn't take their trash bins out in time so I took it out for them.
is it working really?
It is hard living on a small budget.
Cycling is hat I like most on my spare time. By doing it, I can see around, get healthy, find ideas, releasing my stress, eat somewhere along the journey and many more.
Let them borrow some tools so they could fix a car.
I feed their cat when they go out of town.
I really like this idea as well. My partner and I have a shared online emergency fund account, a shared travel account (sadly empty right now), and individual personal savings accounts.
Once we both have steady full-time jobs with better pay (we are in transition right now), I'd like to add more accounts like car expenses and insurance expenses and holiday expenses as well.
Well today at school this girl was telling my friend (that she trusts) that my zipper was unzipped. We were at the same table and she whispered it in her ear. I looked at her and she was biting her lip and had kind of raised eyebrows. Ive seen the look before when the teacher said someone was throwing things and I think it was her.Now I know how to tell if she is hiding something. I never liked her.
The link to "How to Have a Fantastic Honeymoon on a Budget" is not working do you recall what it was about?
The key is to start saving/investing early in life and be consistent (save with every paycheck). Taking advantage of a matching 401k plan should be a no brainer. The power of compounding is lost on many people. Also maxing out contributions when possible, eliminating debt, avoiding risks with your nest egg, planning for multiple streams of income once retired (social security, pensions, dividends, part time work, etc.) and making catch up contributions once you reach 50 should all be part of everyone's plan. And work at staying healthy to reduce illness, injuries and medical costs. I recently found the site Retirement And Good Living which provides information on all these issues as well as many other retirement topics and also has several retirement and health calculators.
GREAT GIVEAWAY!
Hi Clarissa!
I so agree with you! The hardest part about saving for us is the social aspect. Most of our friends do not have savings and use their credit cards as slush funds. This is why we are so lucky to have a few friends like Martin, who live super-fun lives because they budget well.
Since I do make enough money to get out. Slooowly as it may be. I consolidated most of my debt to a refinanced mortgage at about 4%. Then had the bank automatically take the payments out. to avoid any late charges. What part I did not re-fi. I set up auto withdraw at minimum payments to charge cards. all add up to me making all my payments on time. (debts not utilities) . I sent a letter (printed and mailed) not emailed. To one of my doctors. Told him that the hospital took 30% off of my bill. He, Then agreed to take 30% off of his $500.00 bill. of course he should have because he sucked. and should have been sued. but that isn't the point. the point is maybe some of these guys (medical) will give a discount if deserved.
I could get things. On time, if it wasn't for the Doctor/medical stuff. You didn't mention that. Things are going to collection. Then I loose track who I owe, What.
I refuse to put any more . Medical stuff on credit cards.
I'm not paying any more medical stuff until they do go to collections. because then I can set up a payment plan.
Any body know the sequence for a Toshiba me13p1 for multi region
This is genuinely one of the most helpful financial posts I have ever seen. I loved the sneaky insight into Comcast! I will be calling them asap-- we are chipping away at 550k in student loans and need every penny we can get. Thanks for the scoop!
We always bake something to give our neighbors at Christmas.
I've baked for neighbors and offered them items, like tables, that I was going to donate. We've also shared items that we have no need for all the time. My neighbors in the past have helped me with finding free street parking, which helped me avoid paying for parking and also getting a hefty ticket.
This was over ten years ago, but I think it was pretty nice. It was completely free.
I used to live in Ft Lauderdale, and a big hurricane was coming in the next few days. In South Florida a lot of new houses come with hurricane shutters: big, heavy sheets of corrugated metal that you hang on bolts that must be unscrewed from above and under the windows and then screwed back in. It takes a long time to do, it's labor intensive, and cuts from the metal sheets are common.
The kind elderly man (he was pushing 70) who lived behind us, and was our BEST neighbor by far, didn't have his up yet (he lived here in the States while his adult children still lived in Jamaica). I asked my dad if we could help him out, knocked his door to offer our help, and we worked into the evening getting all his shutters up.
I watched my neighbor's cat for two weeks, and also maintained her plants. She was a great friend and neighbor!
In my neighborhood if we no longer need something we put it out by the curb and anyone is welcome to help themselves. Pretty much anything from furniture, household items, clothes, tools, pet items. It has been a great help to me and to my neighbors. There is always something someone else can use.
Hi there! This blog post couldn't be written much better! Looking at this article reminds me of my previous roommate! He continually kept talking about this. I most certainly will forward this information to him. Pretty sure he'll have a great read. I appreciate you for sharing!