Pretty simple- after living alone for 20 years...I got a roommate. Not only did it simply split expenses, economies of scale saved further. Plus sharing chores and participating in a "favor bank" is gratifying. Interdependence truly is the human way to be effective.
Great tips - thanks!
For all online shopping, not just Black Friday/Cyber Monday, remember to check with your credit card issuer. Many times their cash back deals are better than any of the others. Discover, for example pays a minimum of 5% back.
Also, here's a handy site to compare several various cash back deals: http://www.cashbackmonitor.com/
The married penalty does not exist. A married couple can chose to file individual returns any year they choose. The simple math reflects a couples disparate income benifit and/or shared common expenses benifit as reasons to choose the joint return and pay less tax. Joint returns are not mandatory.
The wealthy pay more in tax.
The benifit of being rich far outweighs the added tax.
We make more out of less by having family movie night! We build out own pizzas, pop popcorn, the works! It's really more fun (and less expensive) than going to the theater.
i love giving out coupons as presents. Like ill watch your kids for an hour or help you clean your house. they are cheap and effective. so everyone is happy
Happy Thanksgiving! I am thankful for people who pour their hearts and souls into blogging! I am especially thankful for the phone giveaway as I am in desperate need of a new one!
buy in bulk! Convenience goods like the 100 calorie packs are more expensive because you're paying for that convenience. You can easily do that yourself
This conversation is redundant since the tax "question" has yet to be revised under
the soon to be distant congress.
Who knows "what" will be in place when the lame ducks leave, and what will
be revised when the new congress comes into power.
I agree with you Xin, there is great disparity and penalty within the current system
in its past/current formulation. They should not penalize marriage or success.
By doing this, the Government simply encourages dishonesty.
I do more with less by trying to win prizes to give as gifts for holidays and birthdays. I have an entertaining hobby and my loved ones get gifts I couldn't afford on my own.
One example of me doing more with less is carpooling with friends to school (when I don't take the train). Being college students, we'll save all the money we can and it's so convenient that I have a group of friends that all live pretty close! It's fun to see each other in the mornings, ha and eat breakfast on the go. It'd be so awesome to win! The commercials are funny but somewhat true. I know I've been in one of those situations before.
I work full time, and have six children, so my life is very busy and compllicated. If I had an amazing phone like this, it would help keep me more organized, and my household running more smoothly.
Don't think I'm ready yet... but I still want to flip through it. It's like you are already taking a Personal Finance introductory class but get the opportunity to flip through a textbook with Masters course material.
I do more with less by reading magazines and weblogs of creative people who can see unconventional approaches to using what they already have, such as redecorating with scarfs (!) or making home spa items from stuff in their kitchen!
One word: library!
Pretty simple- after living alone for 20 years...I got a roommate. Not only did it simply split expenses, economies of scale saved further. Plus sharing chores and participating in a "favor bank" is gratifying. Interdependence truly is the human way to be effective.
I can also do more with less by agreeing with friends to borrow/lend tools and stuff around the house I might need to use only once or twice a year.
Great tips - thanks!
For all online shopping, not just Black Friday/Cyber Monday, remember to check with your credit card issuer. Many times their cash back deals are better than any of the others. Discover, for example pays a minimum of 5% back.
Also, here's a handy site to compare several various cash back deals:
http://www.cashbackmonitor.com/
The married penalty does not exist. A married couple can chose to file individual returns any year they choose. The simple math reflects a couples disparate income benifit and/or shared common expenses benifit as reasons to choose the joint return and pay less tax. Joint returns are not mandatory.
The wealthy pay more in tax.
The benifit of being rich far outweighs the added tax.
More with less... Getting the phone I would not have to go back and forth between phone, computer, calendar to get things done...
99% are lubrication and cleaning. Removing crayon from 20 different surfaces is NOT 20 different uses.
i can't get past step one
We make more out of less by having family movie night! We build out own pizzas, pop popcorn, the works! It's really more fun (and less expensive) than going to the theater.
i love giving out coupons as presents. Like ill watch your kids for an hour or help you clean your house. they are cheap and effective. so everyone is happy
Doing more for less means buying a gently used car that's been cared for and maintaining it carefully for another ten years.
Happy Thanksgiving! I am thankful for people who pour their hearts and souls into blogging! I am especially thankful for the phone giveaway as I am in desperate need of a new one!
I do more with less by conserving energy.
I use old dryer sheets to dust around the house. Better than just throwing them away.
I use old dryer sheets to dust around the house before I throw them away.
buy in bulk! Convenience goods like the 100 calorie packs are more expensive because you're paying for that convenience. You can easily do that yourself
Regardless,
This conversation is redundant since the tax "question" has yet to be revised under
the soon to be distant congress.
Who knows "what" will be in place when the lame ducks leave, and what will
be revised when the new congress comes into power.
I agree with you Xin, there is great disparity and penalty within the current system
in its past/current formulation. They should not penalize marriage or success.
By doing this, the Government simply encourages dishonesty.
IMHO
Phill
No cable. No satellite. I read books.
I do more with less by trying to win prizes to give as gifts for holidays and birthdays. I have an entertaining hobby and my loved ones get gifts I couldn't afford on my own.
One example of me doing more with less is carpooling with friends to school (when I don't take the train). Being college students, we'll save all the money we can and it's so convenient that I have a group of friends that all live pretty close! It's fun to see each other in the mornings, ha and eat breakfast on the go. It'd be so awesome to win! The commercials are funny but somewhat true. I know I've been in one of those situations before.
I do more for less by looking up free stuff online and entering to receive samples and freebies for myself and family.
I work full time, and have six children, so my life is very busy and compllicated. If I had an amazing phone like this, it would help keep me more organized, and my household running more smoothly.
I do more with less by reusing many household items like paper, boxes, and plastic containers.
Can't wait to get my hands on this book.
Don't think I'm ready yet... but I still want to flip through it. It's like you are already taking a Personal Finance introductory class but get the opportunity to flip through a textbook with Masters course material.
I do more with less by reading magazines and weblogs of creative people who can see unconventional approaches to using what they already have, such as redecorating with scarfs (!) or making home spa items from stuff in their kitchen!