I cannot beat any of the responders in my response. I just love the library and I joined Library Friends for $10.00 a month because this is such a precious place. So, am I saving money? I hope I am giving back for what the library has given me. Yes, I get a lot more back than $10.00 a month that I give.
I also choose my charities very carefully. Doctors Without Borders is going to get my gifts this year. I do this because this is a service which does not spend on overhead (though they spend a bit on fund raising). I also spent a weekend in the hospital where I received a bunch of tests with tons of blood tests and more, Xray machines, EKGs, sonograms and an MRI which showed I did not have cancer. I think about these volunteer doctors who serve in crisis places without this equipment. So I will give $50.00 a month to them and be very grateful I can do this.
Making a grocery list based on what is on sale and trying to get the most groceries for the least amount of money is my favorite. I know what I try to spend every week, sometimes I can get it to within pennies. Win!
My favorite money saving activity is saving on haircuts. I don't feel the need to spend a bunch of money at salons. I have a couple of friends who are hairdressers. I was sick a while back and they would cut my hair for free to help out as my body and my hair started getting healthier. That meant the world to me, because it was such a demonstration of love and kindness. More recently, I will ask my friend to trim my hair every couple of months, and, in exchange, I babysit her kids for a few hours while she and her husband enjoy a date night. As a backup, I rely on the $5 haircuts offered at Great Clips once in a while. Even with a tip, it's the least expensive haircut money can buy! The average haircut for women is $43 and at four haircuts a year, this comes to about $170 that I save using the bartering system. My least favorite money saving activity is cutting out coffee from coffee shops. I brew coffee at home and take it in a tumbler and forego Starbucks unless I have a gift card. With as much coffee as I consume, this saves me approximately $500 a year-- well worth it!
My favorite way to save it to put my "helpers" to work. I use a slow cooker, a bread maker and prepare a meal that I can just set and forget. Slow cooked soup, stew or a roast with some fresh baked bread is an inexpensive meal that warms the soul on a cold day with not much hands on time. I also use coupons every chance I get and have joined multiple reward programs like CVS that generate money saving coupons and freebies or cash back. Driving a small car helps save on gas and tires. Living in a small house saves housing and heating expenses.
Since I switched to a whole-food plant-based diet, I HAVE to make my own food and bring it for lunch. Turns out, I love doing that even if it is extra work. Has probably saved me at least half of the cost of lunch, if not more.
I cook and prepare every meal. Simple savings every day. I do not spend money eating out, I shop my freezer and pantry to mix it up. I save hundreds of dollars and enjoy the food planning. Karen
What kind of review is it? Where's actual test results how long 'hot things' stay hot, you own test results not just re-writen adversting from sellers.
I am torn between two - I eat healthier and save money by packing a lunch for work, AND I get to enjoy nature while saving by exercising outside instead of having a gym membership.
We also rent out several rooms in our home to family and friends, and I have found having people I love around contributes immensely (most of the time) to my happiness, contrary to what most would assume.
I need help on this I went to an urgent care for an emergency I had a fever over 100 goin in I was reassured I was covered, they had me come back 5 times to make sure I was feeling better. I found out 3 months later they were charging my insurance 25k. My insurance is inly covering 2% because they are out of network. Why do place like this exist and why is my insurance doing nothing about this?
That bit about employers choosing "the person with the highest credit score" is nothing but conjecture. I'm not certain it would even be legal for HR to share credit score information with team leads/hiring managers.
In 26 years working for (and conducting interviews within) businesses such as Chase, Shell, and IBM, I have YET To EVER see an applicant's credit score.
If you are applying for a position which requires a security clearance (as was the case during my time working for IBM BCS), then that's a different story. However, even then, an applicant's status in the candidate pool had zip to do with their credit score.
Lame article written by someone who is merely parroting frequently (and wrongly) touted information. That aside, it still never hurts to be fiscally responsible and pay your debts.
I like finding discount codes for shopping on line. Sometimes it's free shipping or others it's a free product sample added to the order. The best is when you can stack codes to get two or even three discounts on the same order.
My favorite is making all of my meals at home. I easily save $100-200 a month by choosing to cook instead of spending at restaurants. Plus I love trying new recipes!
The manufacturer offering the extended warranty pays accountants expressly to figure out how much to charge for the warranty so that the manufacturer makes money on it. If the manufacturer makes money (meaning that he takes in more selling warranties than he pays out for claims), then on average the customer is losing money. Are you saying that manufacturers lose money on warranties?
I like bargain hunting and using coupons.
I really like Pro Naturals :)
I cannot beat any of the responders in my response. I just love the library and I joined Library Friends for $10.00 a month because this is such a precious place. So, am I saving money? I hope I am giving back for what the library has given me. Yes, I get a lot more back than $10.00 a month that I give.
I also choose my charities very carefully. Doctors Without Borders is going to get my gifts this year. I do this because this is a service which does not spend on overhead (though they spend a bit on fund raising). I also spent a weekend in the hospital where I received a bunch of tests with tons of blood tests and more, Xray machines, EKGs, sonograms and an MRI which showed I did not have cancer. I think about these volunteer doctors who serve in crisis places without this equipment. So I will give $50.00 a month to them and be very grateful I can do this.
I like using online coupon codes.
I enjoy making things to save money--gifts, laundry detergent, etc.
My favorite free activity is reading books from my iPad from the library.
Making a grocery list based on what is on sale and trying to get the most groceries for the least amount of money is my favorite. I know what I try to spend every week, sometimes I can get it to within pennies. Win!
My favorite money saving activity is saving on haircuts. I don't feel the need to spend a bunch of money at salons. I have a couple of friends who are hairdressers. I was sick a while back and they would cut my hair for free to help out as my body and my hair started getting healthier. That meant the world to me, because it was such a demonstration of love and kindness. More recently, I will ask my friend to trim my hair every couple of months, and, in exchange, I babysit her kids for a few hours while she and her husband enjoy a date night. As a backup, I rely on the $5 haircuts offered at Great Clips once in a while. Even with a tip, it's the least expensive haircut money can buy! The average haircut for women is $43 and at four haircuts a year, this comes to about $170 that I save using the bartering system. My least favorite money saving activity is cutting out coffee from coffee shops. I brew coffee at home and take it in a tumbler and forego Starbucks unless I have a gift card. With as much coffee as I consume, this saves me approximately $500 a year-- well worth it!
My favorite way to save it to put my "helpers" to work. I use a slow cooker, a bread maker and prepare a meal that I can just set and forget. Slow cooked soup, stew or a roast with some fresh baked bread is an inexpensive meal that warms the soul on a cold day with not much hands on time. I also use coupons every chance I get and have joined multiple reward programs like CVS that generate money saving coupons and freebies or cash back. Driving a small car helps save on gas and tires. Living in a small house saves housing and heating expenses.
I usually ask myself if I really need what I'm going to buy or if it's just an impulse buy. Sometimes that can save me ALOT of money!
Since I switched to a whole-food plant-based diet, I HAVE to make my own food and bring it for lunch. Turns out, I love doing that even if it is extra work. Has probably saved me at least half of the cost of lunch, if not more.
I cook and prepare every meal. Simple savings every day. I do not spend money eating out, I shop my freezer and pantry to mix it up. I save hundreds of dollars and enjoy the food planning. Karen
I clip coupons and saving my change.
What kind of review is it? Where's actual test results how long 'hot things' stay hot, you own test results not just re-writen adversting from sellers.
I am torn between two - I eat healthier and save money by packing a lunch for work, AND I get to enjoy nature while saving by exercising outside instead of having a gym membership.
We also rent out several rooms in our home to family and friends, and I have found having people I love around contributes immensely (most of the time) to my happiness, contrary to what most would assume.
Thanks!!
I like to resell things on eBay
I need help on this I went to an urgent care for an emergency I had a fever over 100 goin in I was reassured I was covered, they had me come back 5 times to make sure I was feeling better. I found out 3 months later they were charging my insurance 25k. My insurance is inly covering 2% because they are out of network. Why do place like this exist and why is my insurance doing nothing about this?
That bit about employers choosing "the person with the highest credit score" is nothing but conjecture. I'm not certain it would even be legal for HR to share credit score information with team leads/hiring managers.
In 26 years working for (and conducting interviews within) businesses such as Chase, Shell, and IBM, I have YET To EVER see an applicant's credit score.
If you are applying for a position which requires a security clearance (as was the case during my time working for IBM BCS), then that's a different story. However, even then, an applicant's status in the candidate pool had zip to do with their credit score.
Lame article written by someone who is merely parroting frequently (and wrongly) touted information. That aside, it still never hurts to be fiscally responsible and pay your debts.
I enjoy going to thrift stores when it is time to replace clothing items. It's a thrill to find a top or jeans you love for $1.99!
I like finding discount codes for shopping on line. Sometimes it's free shipping or others it's a free product sample added to the order. The best is when you can stack codes to get two or even three discounts on the same order.
I like using sites like Ebates. Super easy and helps put more money back in my pocket!
My favorite is making all of my meals at home. I easily save $100-200 a month by choosing to cook instead of spending at restaurants. Plus I love trying new recipes!
Brewing loose leaf tea and taking it to work.
The manufacturer offering the extended warranty pays accountants expressly to figure out how much to charge for the warranty so that the manufacturer makes money on it. If the manufacturer makes money (meaning that he takes in more selling warranties than he pays out for claims), then on average the customer is losing money. Are you saying that manufacturers lose money on warranties?
I make a game out of keeping my grocery bill as low as possible. I pair my coupons with sales.