What happened between when I was a kid (yikes - a good 25 years ago) and now?
My dogs: walk elegantly with me into high-end designer-doggie Haus'es where I peruse gorgeous T-shirts, collars and jackets. I hand over my wallet contents for raw food that costs more than my own groceries. I get all excited over treats packaged beautifully. And toys!
I'm sure my memory serves me correctly - my childhood family daschund seemed entirely content with Dr. Ballards and table scraps night after night. Treats were bits of balogna or pepperoni. She didn't once, not ever, get dressed to go out, Which Is Something Since We Lived in Yellowknife! (far, far northern Canada. Minus 40, a lot of the time). No bed for her - just an old blanket in a closet. She lived to be 18 and unless I was naive, enjoyed a very happy doggy life.
So why am I spending more on my dogs than on my own haircuts and clothing each month?!? (AND I'm a money coach who should know better?!)
Someone save me from myself... (but let me keep the dogs!)
1. When I went into F&I, I didn't have a deal already in place. I was very specific on how many pulls I authorized (2) and that I wanted him to target creditors that pull TU. In the end, he did exactly as I asked. One was a bank I had a previous loan with, and the other being a local bank that I can may a payment in person at 3pm on a Saturday afternoon. Both were TU pulls as I requested.
2. There is one option I did purchase from him. The unemployment/disability payment coverage was a grand total of $1.48/mo for a $9000 purchase. Over 60 months (should I let the loan go it's full length) that is only $88.80. Having been unemployed and had a car loan in the past, this is peace of mind I didn't mind having.
Wish I had thought of that. I originally named him Pepi, as in Pepi Le Pew, but we were in China, and everyone called him Pei Pei. So I quit using that, and never came up with a good name. My mother calls him Little One because she feels that "Little Thing" sounds like a commentary on his personal parts. I just call him "Thing". And I get mad at my parents for naming me Andrea Ann. The hypocrisy!
It WAS overwhelming the first time I looked at it, too, but I thought that was just because I'd never done it before. Once I read all their little instruction and advice boxes and looked at the sample month (the very last tab), it made more sense.
Every tab on every spreadsheet? Ummm...not sure what you mean. Once you fill out the first page, all your categories are just there for you (you don't have to type them in every time). And then you just keep your receipts and fill in the blanks.
And the only way that I've come up with to keep the turtle free from algae without spending money involves keeping the tank temperature so low that the turtle gets sick. Which is counterproductive, given the cost of good reptile vets these days. ;)
I've downloaded the PearBudget stuff, but I have to say, the first page is a little overwhelming. And I'm expected to fill out every tab on the spreadsheet? How long did it take you to do this, Sarah?
My next blog post is going to be about how to keep costs down with pets. Although honestly, I can't think of a thing to do to keep a turtle free from algae. The same goes for my Pekingnese's pending facelift. Jokes about stapling his little face aside, I have GOT to figure out a way to save money on pets. They're as expensive as kids these days.
One and (to a lesser extent) Four are good, interesting tricks. Two and Three are silly and would start a fight if not initiated by a good-looking girl. Five is pretty questionable considering that he touches the glass with his mouth while drinking the shot. He would not collect on his free drink(s) in a real situation. I found these tricks to be mostly disappointing with the exception of #1.
my feet are too small for me to have a shoe problem. size 4.5 fits me perfectly. i've bought a few pairs on ebay but they never fit. nordies is the only place i can find my size, and with limited selection and high prices, i just don't bother. boo. i feel so jipped as a girl. on the other hand, i don't have that problem with handbags. i bought 2 lovely paul frank purses last week. i actually went out and bought one at my fav store after i lost a bid on an auction on another one i really really wanted, just to see a few days later the seller had relisted. HA. love it.
These are all great but have you seen the propsition bet where alex transfers the whiskey and water into seperate glasses....pure physics and common knowledge.
If you want it to go away (you know, so you can SEE the turtle from the top of the tank, and I say that seriously), you have to buy the anti-algae products. Which, apparently, can run up to $30 a month!
...the only free drinks you're hustling are the non-alcoholic kind. But thanks for stopping by and reading my article. A frugal shopper at 12. How encouraging.
A kid I went to middle school with befriended a teacher's daughter. She reported back to us that during an overnight stay, said teacher enforced a rule about only using one square of toilet paper per wipe. She still talks about that till this day. Now that is frugally insane.
blinkers?! i think you meant blinders.
horses = blinders
cars = blinkers
make sense yet? no?
nevermind.
i thought the 5th one was the coolest XD
What happened between when I was a kid (yikes - a good 25 years ago) and now?
My dogs: walk elegantly with me into high-end designer-doggie Haus'es where I peruse gorgeous T-shirts, collars and jackets. I hand over my wallet contents for raw food that costs more than my own groceries. I get all excited over treats packaged beautifully. And toys!
I'm sure my memory serves me correctly - my childhood family daschund seemed entirely content with Dr. Ballards and table scraps night after night. Treats were bits of balogna or pepperoni. She didn't once, not ever, get dressed to go out, Which Is Something Since We Lived in Yellowknife! (far, far northern Canada. Minus 40, a lot of the time). No bed for her - just an old blanket in a closet. She lived to be 18 and unless I was naive, enjoyed a very happy doggy life.
So why am I spending more on my dogs than on my own haircuts and clothing each month?!? (AND I'm a money coach who should know better?!)
Someone save me from myself... (but let me keep the dogs!)
Two comments on F&I:
1. When I went into F&I, I didn't have a deal already in place. I was very specific on how many pulls I authorized (2) and that I wanted him to target creditors that pull TU. In the end, he did exactly as I asked. One was a bank I had a previous loan with, and the other being a local bank that I can may a payment in person at 3pm on a Saturday afternoon. Both were TU pulls as I requested.
2. There is one option I did purchase from him. The unemployment/disability payment coverage was a grand total of $1.48/mo for a $9000 purchase. Over 60 months (should I let the loan go it's full length) that is only $88.80. Having been unemployed and had a car loan in the past, this is peace of mind I didn't mind having.
Wish I had thought of that. I originally named him Pepi, as in Pepi Le Pew, but we were in China, and everyone called him Pei Pei. So I quit using that, and never came up with a good name. My mother calls him Little One because she feels that "Little Thing" sounds like a commentary on his personal parts. I just call him "Thing". And I get mad at my parents for naming me Andrea Ann. The hypocrisy!
I had a friend who named his dog Peeve...and proceeded to introduce him as "My pet, Peeve."
It WAS overwhelming the first time I looked at it, too, but I thought that was just because I'd never done it before. Once I read all their little instruction and advice boxes and looked at the sample month (the very last tab), it made more sense.
Every tab on every spreadsheet? Ummm...not sure what you mean. Once you fill out the first page, all your categories are just there for you (you don't have to type them in every time). And then you just keep your receipts and fill in the blanks.
And the only way that I've come up with to keep the turtle free from algae without spending money involves keeping the tank temperature so low that the turtle gets sick. Which is counterproductive, given the cost of good reptile vets these days. ;)
I've downloaded the PearBudget stuff, but I have to say, the first page is a little overwhelming. And I'm expected to fill out every tab on the spreadsheet? How long did it take you to do this, Sarah?
My next blog post is going to be about how to keep costs down with pets. Although honestly, I can't think of a thing to do to keep a turtle free from algae. The same goes for my Pekingnese's pending facelift. Jokes about stapling his little face aside, I have GOT to figure out a way to save money on pets. They're as expensive as kids these days.
Very nicely done. Someone once tried the Newspaper Wallet trick on me...too bad all they found in my back pocket was the London Underground Tube map.
One and (to a lesser extent) Four are good, interesting tricks. Two and Three are silly and would start a fight if not initiated by a good-looking girl. Five is pretty questionable considering that he touches the glass with his mouth while drinking the shot. He would not collect on his free drink(s) in a real situation. I found these tricks to be mostly disappointing with the exception of #1.
my feet are too small for me to have a shoe problem. size 4.5 fits me perfectly. i've bought a few pairs on ebay but they never fit. nordies is the only place i can find my size, and with limited selection and high prices, i just don't bother. boo. i feel so jipped as a girl. on the other hand, i don't have that problem with handbags. i bought 2 lovely paul frank purses last week. i actually went out and bought one at my fav store after i lost a bid on an auction on another one i really really wanted, just to see a few days later the seller had relisted. HA. love it.
...yes. That would be video one. The Magic Whiskey Trick. Or am I not quite understanding your comment?
These are all great but have you seen the propsition bet where alex transfers the whiskey and water into seperate glasses....pure physics and common knowledge.
If you want it to go away (you know, so you can SEE the turtle from the top of the tank, and I say that seriously), you have to buy the anti-algae products. Which, apparently, can run up to $30 a month!
And there's only one turtle...pathetic, I know.
Ha ha. You and Andrea have to start a support group to get rid of that guilt of not always buying people gifts and paying for their meals!
But the most important question here is, how the heck do you spend $30 on turtles! We might need a Pet Freebies, Shell Edition!
Love it..!
...the only free drinks you're hustling are the non-alcoholic kind. But thanks for stopping by and reading my article. A frugal shopper at 12. How encouraging.
i may be only 12 but THESE TRICKS ARE SURELY AMAZING
i never thought i'd see those words.
as great as these sound, i don't see the videos.
17. Avoid parking tickets by leaving your windscreen wipers turned to 'fast wipe' whenever you leave your car parked illegally.
It's not often that things make me laugh anymore, but this definitely did!
Thanks!
A kid I went to middle school with befriended a teacher's daughter. She reported back to us that during an overnight stay, said teacher enforced a rule about only using one square of toilet paper per wipe. She still talks about that till this day. Now that is frugally insane.
I highly recommend this look for men who are hanging on to the last strands of hair.