How we do more with less is a question we ask ourselves all the time. The economic hardship my family has faced since the downturn in the economy has us asking that exact question. Now that it is the holidays we ask that question again...How we do more with less...We count on each other and the kindness of others.
Where I live everybody buys stuff "off the back of a truck" all the time. But when you see a pickup filled with corn or squash and the name of the farm on the side it's not really difficult to figure out where it came from;)
The Roth is a good tool. I have recently made the decision to convert my Traditional IRA to a Roth. I learned that if I complete this transaction this year, before December 31, 2010, I will actually be able to split the income taxes that will be due over two years instead of paying all the taxes in one year.
You may look into if converting would be right for you. I like the thought of letting my retirement grow tax-free instead of tax-deferred.
I did not know about this rule until I located it along with some other good information on IRAs at getmyra.com.
Shop your closets and your friends' closets. While going through my closet and cabinets trying to declutter, I unearthed tons of great things I never used. Some of them I just forgot I had, others just didn't work for me anymore. I realized that my friends probably had the same situation. I emailed everyone and arranged swap parties where we could exchange the items we didn't want with items we did. Whatever was left, could go to charity. Because we had so much stuff, and from so many different areas of the house, we had several get-togethers over the next few months, each based on a theme or room. There was a kitchen/dining swap, a bathroom/linen swap, a clothing swap, a personal care/makeup swap, kids' stuff swap, and entertainment swap. We had a great time getting together and ended up with a lot of great stuff. Next stop-bartering.
That's one I haven't heard of! I broke someone's mirror once moving them with a moving van. So, I could see how there are a lot of windows being sold "off the truck"...broken ones.
That does sounds like a great deal. My wife proposed something similar a while back and we never got around to lining up. In that case, it's planned in advance and legit. This seemed to be a no-name outfit driving around with meat in who-knows-what condition!?
I can do more with less by getting this phone.It would allow me to ditch my tin cans with the string between them and that would save me extra room in my pocketbook.
I do more with less by cleaning out my closet every year and keeping a few basicsand cleaning out the pantry once every 6 months or so and donate anything we can to the local shelter
I have peace of mind not fretting over what to buy during the holidays etc. I count my blessings over the sunrise and sunset and rejoice over all the simple things that occur in between the two. I throw catalogs away as soon as they are sent to me and throughly enjoy simple nutritious meals. I cherish the warmth and love of close friends. I have been unemployed for nearly a year with limited prospects of changing that at age 61. I am free to be free. I give away everything I can. I no longer have the tyranny of possessions.
I've recently started to sell thing that I've had lying around or in storage. This is a great method because the majority of the stuff I don't even use any more. I come to this site and check out the daily freebies, which takes away from my urge to want to purchase things spur of the moment, because I get it free!!
Everyone should do themselves a favor and watch an episode of Hoarders! Nothing motivates me to declutter like that show, and we all know less clutter is more free time, because you don't have to dust as much ;)
I've seen the meat trucks driving around, and I've been approached by drivers a few times, but I have never and will never buy meat from some dude in a refrigerated pickup.
for the past few years I have worked for a number of different dental offices in administration. When it comes to buying dental insurence things you want to be aware of is if they are PPO or DMO, DMO will only pay towards contracted dentists. Another detail to be aware of is the fee booklet. Only dentists that are contracted with an insurence company have to comply with the insurence fee schedule. for out of network dentists who still accept our insurence, you may be stuck paying the difference between thier fee schedule and your dentists fee schedule. Here is the kicker, some dental insurences will only cover certain procedures and will downgrade what they are willing to pay. For example, our offices only do composite fillings, however we have a number of patients with insurences that will only pay for amalgam fillings ( those silver fillings that used to contain trace ammounts of mercury) So not only do they get stuck with thier annual deductable and percentage co-pa, but they have to pay the difference between the amalgam and composite filling fee schedule.
Another great option is to have a flex spending savings specificlly for medical or dental. I am not sure how to set this up without an employer, but that money gets set aside specificaly for medical and dental expenses, and you don't have to worry about deductables or co-paments. If you don't need a lot of dental work and just want something for emergencies this is your best bet.
Do more with less by making a food gift for your nearest and dearest - something that they'll actually use and/or consume. Choose proven recipes that you know and love and include an idea or two on how to use the item if it's an ingredient.
This article was too long. I wish it had an optional 2 paragraph summary at the beginning. It contains 3 or 4 very important things (or if you will, insights, concepts, etc) that can be life changing. Boiled down to their most elementary level, you realize they are gimmicks, but gimmicks that probably work. Which just underlines what Lewis Carroll said, “What is life but a dream?”
I have a meal swap with two ladies that I work with. Monday we each bring in two containers of food we've prepared and we swap! We discussed allergies, etc. beforehand. Works great!
I don't know about your area, but here there is a meat truck from a legitimate local distributor. You can go on their website and pre-order or just buy off the truck whatever is not assigned to an order. They do it this way since they only sell in bulk packaging and they sell to the consumer at more than they sell to retailers, but less than what the retailers sell to consumers. They also get paid immediately or in advance which improves their cash flows.
I actually did buy meat off the back of a truck... Okay there's really a bit more to it than that. My wife and I purchased 1/2 a cow at a farmers' market. We were only trading the money for the meat at in a parking lot (later, after the cow was butchered and nicely packaged). It was a great purchase. We got a freezer-full of high quality meat from a nearby farmer at a comparatively low price (it was still 200 pounds of meat). Yum!
How we do more with less is a question we ask ourselves all the time. The economic hardship my family has faced since the downturn in the economy has us asking that exact question. Now that it is the holidays we ask that question again...How we do more with less...We count on each other and the kindness of others.
Scott Martin
Where I live everybody buys stuff "off the back of a truck" all the time. But when you see a pickup filled with corn or squash and the name of the farm on the side it's not really difficult to figure out where it came from;)
The Roth is a good tool. I have recently made the decision to convert my Traditional IRA to a Roth. I learned that if I complete this transaction this year, before December 31, 2010, I will actually be able to split the income taxes that will be due over two years instead of paying all the taxes in one year.
You may look into if converting would be right for you. I like the thought of letting my retirement grow tax-free instead of tax-deferred.
I did not know about this rule until I located it along with some other good information on IRAs at getmyra.com.
Shop your closets and your friends' closets. While going through my closet and cabinets trying to declutter, I unearthed tons of great things I never used. Some of them I just forgot I had, others just didn't work for me anymore. I realized that my friends probably had the same situation. I emailed everyone and arranged swap parties where we could exchange the items we didn't want with items we did. Whatever was left, could go to charity. Because we had so much stuff, and from so many different areas of the house, we had several get-togethers over the next few months, each based on a theme or room. There was a kitchen/dining swap, a bathroom/linen swap, a clothing swap, a personal care/makeup swap, kids' stuff swap, and entertainment swap. We had a great time getting together and ended up with a lot of great stuff. Next stop-bartering.
That's one I haven't heard of! I broke someone's mirror once moving them with a moving van. So, I could see how there are a lot of windows being sold "off the truck"...broken ones.
That does sounds like a great deal. My wife proposed something similar a while back and we never got around to lining up. In that case, it's planned in advance and legit. This seemed to be a no-name outfit driving around with meat in who-knows-what condition!?
I can do more with less by getting this phone.It would allow me to ditch my tin cans with the string between them and that would save me extra room in my pocketbook.
I do more with less by cleaning out my closet every year and keeping a few basicsand cleaning out the pantry once every 6 months or so and donate anything we can to the local shelter
I reuse and repurpose everything. I don't have the money to spend on a new everything!
I have peace of mind not fretting over what to buy during the holidays etc. I count my blessings over the sunrise and sunset and rejoice over all the simple things that occur in between the two. I throw catalogs away as soon as they are sent to me and throughly enjoy simple nutritious meals. I cherish the warmth and love of close friends. I have been unemployed for nearly a year with limited prospects of changing that at age 61. I am free to be free. I give away everything I can. I no longer have the tyranny of possessions.
I've recently started to sell thing that I've had lying around or in storage. This is a great method because the majority of the stuff I don't even use any more. I come to this site and check out the daily freebies, which takes away from my urge to want to purchase things spur of the moment, because I get it free!!
Everyone should do themselves a favor and watch an episode of Hoarders! Nothing motivates me to declutter like that show, and we all know less clutter is more free time, because you don't have to dust as much ;)
I've seen the meat trucks driving around, and I've been approached by drivers a few times, but I have never and will never buy meat from some dude in a refrigerated pickup.
I bought a few double-glazed window units that had supposedly "fallen off the back of a truck". Need I say more? In pieces, they were...............!
for the past few years I have worked for a number of different dental offices in administration. When it comes to buying dental insurence things you want to be aware of is if they are PPO or DMO, DMO will only pay towards contracted dentists. Another detail to be aware of is the fee booklet. Only dentists that are contracted with an insurence company have to comply with the insurence fee schedule. for out of network dentists who still accept our insurence, you may be stuck paying the difference between thier fee schedule and your dentists fee schedule. Here is the kicker, some dental insurences will only cover certain procedures and will downgrade what they are willing to pay. For example, our offices only do composite fillings, however we have a number of patients with insurences that will only pay for amalgam fillings ( those silver fillings that used to contain trace ammounts of mercury) So not only do they get stuck with thier annual deductable and percentage co-pa, but they have to pay the difference between the amalgam and composite filling fee schedule.
Another great option is to have a flex spending savings specificlly for medical or dental. I am not sure how to set this up without an employer, but that money gets set aside specificaly for medical and dental expenses, and you don't have to worry about deductables or co-paments. If you don't need a lot of dental work and just want something for emergencies this is your best bet.
Do more with less by re-evaluating just one recurring expense; almost all of us have one that we could do without and barely notice the difference!
Do more with less by making a food gift for your nearest and dearest - something that they'll actually use and/or consume. Choose proven recipes that you know and love and include an idea or two on how to use the item if it's an ingredient.
Each day I do work from home, I always seem to get more done. it's like knocking two birds with one stone. More family time, more work done.
This article was too long. I wish it had an optional 2 paragraph summary at the beginning. It contains 3 or 4 very important things (or if you will, insights, concepts, etc) that can be life changing. Boiled down to their most elementary level, you realize they are gimmicks, but gimmicks that probably work. Which just underlines what Lewis Carroll said, “What is life but a dream?”
I have a meal swap with two ladies that I work with. Monday we each bring in two containers of food we've prepared and we swap! We discussed allergies, etc. beforehand. Works great!
I don't know about your area, but here there is a meat truck from a legitimate local distributor. You can go on their website and pre-order or just buy off the truck whatever is not assigned to an order. They do it this way since they only sell in bulk packaging and they sell to the consumer at more than they sell to retailers, but less than what the retailers sell to consumers. They also get paid immediately or in advance which improves their cash flows.
I brought my sewing machine out of hibernation and have joined the clothes "upcycling" revolution. It's working, and it's fun!
I actually did buy meat off the back of a truck... Okay there's really a bit more to it than that. My wife and I purchased 1/2 a cow at a farmers' market. We were only trading the money for the meat at in a parking lot (later, after the cow was butchered and nicely packaged). It was a great purchase. We got a freezer-full of high quality meat from a nearby farmer at a comparatively low price (it was still 200 pounds of meat). Yum!
Guest
The oak will mellow the flavours, add colour and complexity to any product. In short, yes, it is good to add it.
frugolidays?