Hilarious! If you're really frugal, you don't go to coffee shops in the first place and you don't drink lattes. Thus you save all the money and you don't gain the weight.
Hi I am interested in selling my locks. I recently had my braid cut off and it is 27" long. It is "Virgin hair" and I never even blow dried it. I am First Nations and my hair is dark brown/reddish (my hair turns reddish in the summer and is thick too) I live in Canada could you send me some info on where I can sell my braid.
We bought a Breville espresso machine in May (about $600) and absolutely love it. Our favorite little coffee shop closed so we had to take matters into our own hands. It's great because it's definately cheaper in the long run, you can tailor your cup exactly how you want it, it's actually fun to make and it's something my husband and I do together when it's "latte time"! Thanks for this great post - I agree 100%.
I would say #9 "Put your family first" should be on the first place.
If you are surrounded by loving people who care about you and give you a lot of positive emotions every day - that's something to live for. Happy people live longer.
Everything else like healthy diet, exercise etc. comes second, but very important as well.
Great article! Thanks for posting!
Excellent point! It's the small stuff that adds really fast.
Everyone think that it's big purchases that make a big hole in the budget, but it's actually little every day things that add up in thousands of dollars.
Great post! Makes a lot of sense, especially in these hard economic times.
Elena
Good idea, I might suggest how I saved a little more. I bought a stainless steel coffee press from TJ Maxx for $10.00 it's by the brand "The Palm" works great also a 6 oz Moka Pot also stainless steel for $8.00. Also I buy green coffee beans and roast them in a hot air popcorn popper so I use only the freshest roasted beans.
This is how my husband and I plan our budget each month. I just made out our November budget since we got the first paycheck for November yesterday. We love getting those 2 extra paychecks each year that don't have to go to bills.
Dear Friends: We do the same -- make our's almost always. (We buy coffees when traveling as a treat.)
Question: Does anyone have a recipe to replace the premixed frappe' mixes? We make our own frappes/granitas, but buy a mix as we've never quite found the right mix of instant coffee/instant milk/sugar.
What if I only buy one latte a month? I don't think buying a machine, learning how to use it, buying beans, grinding them, etc is worthwhile. I spend maybe $40 a year on lattes. And that's it. It would take me over ten years to recoup even the cost of your machine.
At birth I think it would be cool to see your birth and death certificate. Knowing how and when you will die. A lot of people I have asked if they would like to see their death certificate say no. Of course this is fantasy we are not God. But it may be a good plot for a movie. I just like to know the future although I am powerless over many things it would be powerful to know your death.
My husband takes it a step further -- he buys green coffee beans, either from the local coffee shop (NOT Starbucks) or sweetmarias.com, for about 1/2 the price of roasted beans and roasts them, using an air popper, every few days. So we have REALLY fresh roasted coffee. There's lots of online instructions for roasting coffee beans using an air popper.erya
I use an old Krups espresso machine that I bought at a garage sale for $5 and 'splurge' on Starbucks espresso beans (which they grind). I hate foam so I just nuke the milk for a couple minutes for my 'no foam latte'. Instead of $100 a month for Starbucks, I spend about the same about for the entire year!
Honestly, you can use them at any grocery store or big box store as split tender. Run it as a credit card and then pay the difference. Works especially well at Wal-Mart. Beware of ATM fees when you are cashing out though; sometimes they'll charge you $1.50 per withdrawal.
What a novel idea. Maybe they could add a category to the tax form called something like, idk, "Filing Status". And there could be tick boxes where you could check off either something like "married filing jointly" or "married filing separately".
Oh, I get my 'extra' paycheck this month and am trying to figure out which debt I want to pay down, while putting the half into my savings account. Can't wait till this payday! :)
Great tips! So many of us get in over our head during the Holiday season. We love to give and we love to get but we sure hate when that credit card statement arrives in the mail come January. I think the key to successful holiday gift giving is communication with your family. Let them know the game plan so feelings aren't hurt and expectations are in line with reality.
I love buying new books from second hand booksellers. You've got to look carefully, but often there are some great deals. I have a box full of Christmas books waiting for my family: novels, coffee table books, a boxed, illustrated hardcover Hobbit, how-to books, all for under $20! I keep my eyes open for this all year, but spend no extra time.
Yes, that's exactly the right thing to do. (Exactly how frugal you need to be depends on just how short your returns fall.)
But the point of the 4% rule was that you wouldn't need to do that. Historically, if you'd retired anytime from the 1920s through 2000 or so, periods of low returns were always short enough—and always followed by periods of higher returns that were high enough—that people could just carry on and they'd still be okay.
Now I'm beginning to worry that the 4% rule is going to fail us, just when a whole lot of people had begun to rely on it.
I totally agree with you Nora, I started doing it several years ago! I enjoy people's reactions on hearing :Happy Monday" thank you, Nitin.
Hilarious! If you're really frugal, you don't go to coffee shops in the first place and you don't drink lattes. Thus you save all the money and you don't gain the weight.
Hi I am interested in selling my locks. I recently had my braid cut off and it is 27" long. It is "Virgin hair" and I never even blow dried it. I am First Nations and my hair is dark brown/reddish (my hair turns reddish in the summer and is thick too) I live in Canada could you send me some info on where I can sell my braid.
I have a massive baseball,football collection,and a 1916 Babe ruth baseball card
And Dunkin Donut coffee beans are now available in the grocery store - great coffee for $6lb. ;)
Here is a new peppy 1-minute video giving people advice on the responsible use of debit, ATM and credit cards.
"Card Tricks Revealed: How Not To Burn Money"
http://www.youtube.com/watch?v=rKRHiA0tYCc
The Hair Trader is no longer around I would use http://www.OnlineHairAffair.com
We bought a Breville espresso machine in May (about $600) and absolutely love it. Our favorite little coffee shop closed so we had to take matters into our own hands. It's great because it's definately cheaper in the long run, you can tailor your cup exactly how you want it, it's actually fun to make and it's something my husband and I do together when it's "latte time"! Thanks for this great post - I agree 100%.
Yes. We have several important seats in contention this midterm in our state. I plan to vote some to stay, some to change.
I would say #9 "Put your family first" should be on the first place.
If you are surrounded by loving people who care about you and give you a lot of positive emotions every day - that's something to live for. Happy people live longer.
Everything else like healthy diet, exercise etc. comes second, but very important as well.
Great article! Thanks for posting!
Excellent point! It's the small stuff that adds really fast.
Everyone think that it's big purchases that make a big hole in the budget, but it's actually little every day things that add up in thousands of dollars.
Great post! Makes a lot of sense, especially in these hard economic times.
Elena
Good idea, I might suggest how I saved a little more. I bought a stainless steel coffee press from TJ Maxx for $10.00 it's by the brand "The Palm" works great also a 6 oz Moka Pot also stainless steel for $8.00. Also I buy green coffee beans and roast them in a hot air popcorn popper so I use only the freshest roasted beans.
This is how my husband and I plan our budget each month. I just made out our November budget since we got the first paycheck for November yesterday. We love getting those 2 extra paychecks each year that don't have to go to bills.
Dear Friends: We do the same -- make our's almost always. (We buy coffees when traveling as a treat.)
Question: Does anyone have a recipe to replace the premixed frappe' mixes? We make our own frappes/granitas, but buy a mix as we've never quite found the right mix of instant coffee/instant milk/sugar.
Help. :))
Many thanks!
What if I only buy one latte a month? I don't think buying a machine, learning how to use it, buying beans, grinding them, etc is worthwhile. I spend maybe $40 a year on lattes. And that's it. It would take me over ten years to recoup even the cost of your machine.
At birth I think it would be cool to see your birth and death certificate. Knowing how and when you will die. A lot of people I have asked if they would like to see their death certificate say no. Of course this is fantasy we are not God. But it may be a good plot for a movie. I just like to know the future although I am powerless over many things it would be powerful to know your death.
My husband takes it a step further -- he buys green coffee beans, either from the local coffee shop (NOT Starbucks) or sweetmarias.com, for about 1/2 the price of roasted beans and roasts them, using an air popper, every few days. So we have REALLY fresh roasted coffee. There's lots of online instructions for roasting coffee beans using an air popper.erya
I use an old Krups espresso machine that I bought at a garage sale for $5 and 'splurge' on Starbucks espresso beans (which they grind). I hate foam so I just nuke the milk for a couple minutes for my 'no foam latte'. Instead of $100 a month for Starbucks, I spend about the same about for the entire year!
I vote in every election and this year is no exception. I feel it's my duty to help choose the best leaders for my city, county, state, and country.
Every election doesn't go my way but I feel good knowing I participated in the process.
Honestly, you can use them at any grocery store or big box store as split tender. Run it as a credit card and then pay the difference. Works especially well at Wal-Mart. Beware of ATM fees when you are cashing out though; sometimes they'll charge you $1.50 per withdrawal.
What a novel idea. Maybe they could add a category to the tax form called something like, idk, "Filing Status". And there could be tick boxes where you could check off either something like "married filing jointly" or "married filing separately".
Oh, I get my 'extra' paycheck this month and am trying to figure out which debt I want to pay down, while putting the half into my savings account. Can't wait till this payday! :)
Great tips! So many of us get in over our head during the Holiday season. We love to give and we love to get but we sure hate when that credit card statement arrives in the mail come January. I think the key to successful holiday gift giving is communication with your family. Let them know the game plan so feelings aren't hurt and expectations are in line with reality.
I love buying new books from second hand booksellers. You've got to look carefully, but often there are some great deals. I have a box full of Christmas books waiting for my family: novels, coffee table books, a boxed, illustrated hardcover Hobbit, how-to books, all for under $20! I keep my eyes open for this all year, but spend no extra time.
Annie Kate
Yes, that's exactly the right thing to do. (Exactly how frugal you need to be depends on just how short your returns fall.)
But the point of the 4% rule was that you wouldn't need to do that. Historically, if you'd retired anytime from the 1920s through 2000 or so, periods of low returns were always short enough—and always followed by periods of higher returns that were high enough—that people could just carry on and they'd still be okay.
Now I'm beginning to worry that the 4% rule is going to fail us, just when a whole lot of people had begun to rely on it.