I hope to sell on Ebay. I hear you can set up what you want to sell and "launch" the sale on a separate day. I use to sell on a regular basis. Has anyone tried Squidoo? I hear you get paid to write.
I've only bought used vehicles, though my primary form of transportation is two-wheeled. As long as you're smart, it can really pay off. I got my 25-year-old Honda scooter for free from somebody who'd had it lying around in their yard for 20 of those years. It was simple enough to fix up, and gets me where I need to go in town – while getting 120 mpg.
Good reminder tips or for anyone who never really had someone teach you how to clean decently. Seriously, make the time, even if it's "one-room-@-a-time." If you've an "entourage" DELEGATE! Then "inspect." Train your family "staff" in the way they should go
My Mom did. (Still have her words running through my brain!) "Dust before you run the sweeper!" She taught me how to wash dishes. Forget my brother ever "really" doing them! My guy's that way, too! But...he can cook with the best of 'em! His family learned how to feed an "army" of customers! Just have fun! Have a great day, too! --LJK :-)
Has anyone ever had issues ordering with the designer discount sites? I searched for reviews of some of the sites listed, and it seems like several people had bad experiences with returns, refunds, not getting their merchandise, etc. Is there a way to find out if the business is reliable? Which ones are the best? Any advice would be welcome!
Ask employees to set their computers to go to sleep automatically after 30 minutes of inactivity and to turn them off at night along with printers and copiers. According to the EPA, this can save anywhere from $50 to more than $150 annually per device (depending on the type of machine and its energy consumption). And don’t let screen savers fool you: Most screen savers keep monitors running at full power. So screens should be black.
I suppose you could spend lots of money on a costume. But a home made one is so much better! You can pay very little (Or even nothing at all) for parts and materials for it, and you have something unique that (Assuming you did a good job on it) will last at least as long as a store-bought costume, if not longer. Home made costumes can be reused, especially if individual garments can be reused in different costumes. And of course, there's the pleasure of making it and the satisfaction you get having made it yourself. If you're a parent, then making a costume with your child is also a good way to pass useful skills along, which far too many people don't have these days.
Plus, a definite advantage for the kids- lots of people will be more impressed by a home made costume, because more effort has gone into it. This means they'll give more sweets. Hell, I don't give kids anything if they turn up in a shop bought costume. Why not? They haven't earned it.
We used to buy New or Lease, but after finding the gem that is Dave Ramsey, we recently purchased the hubby a Used car. We couldn't be happier! Unfortunately my van was a Lease and in the process of getting out of that nightmare, we surely paid our part in "stupid tax" -- never again!
I've had the Optimus V for 2 months and I'm a very happy user. I rooted the phone to create a lot more space for apps that I like instead of the pre-loaded ones and for the price, its almost untouchable. The Optimus V was $149 when introduced, but recently Virgin Mobile raised the price to $199. The 3G and phone are both a little slow at times, but the usefulness of it far outweighs any perceived negatives. I call myself a power app user willing to put up with a slower speed. Virgin Mobile (and I guess Sprint) should be applauded for providing great value to people at a price they can afford and also not putting them in a bad financial position.
I have no idea who this cumuta person is but what he's saying is true. Your numbers are flawed. I make about $50k and my credit score is 715 median. I didn't qualify for a $200k house. I have nothing bad on my record. I have been with my job for five years If you are going to use a median income then use the house price median income earners would qualify for.
And two car payments of almost $400 each? No way. I don't care where you got your numbers from. There is no way a family making $52k would qualify. You are talking about a third almost of your take home income being used for car payments alone. That's not counting insurance, gas, maintenance. It's not realistic. Even before the banks got stricter on giving loans, they (most anyway) wouldn't loan you more than 35% debt to income ratio. 35% of 52k is 18-19k. And you have that on one car alone.
Use your own debt numbers and do the math. Use friends and families' numbers too. you will see that barring exorbitant medical bills or lawsuit payments, everyone's total debt is about the same percentage-wise to their income. To exaggerate, you are not going to find someone with 200 times their salary in debt without something very unusual having happened to them.
That's not to say that I agree with his sales tactics you mentioned above. And I agree that it is very important to do your research before buying such an expensive program. It is much cheaper to borrow or even buy one of the other "guru's" books.
But I don't agree that you will have no social life etc. My husband and I owed about three times our yearly take-home and we will be debt free in ten months, 3.5 years after starting the debt snowball system ( which I learned about from one of Mary hunts books). We go out to eat (not a lot). We go to the movies. We have iPads each and iPhones. We went to NC for a week last month. It's all about figuring out what you really really want and then finding a way to get it that doesn't derail your getting-out-of debt plans. 7 years is not unrealistic.
You see this a lot on home shopping channels, in kind of a strange way. For example, let's say they are selling a set of cookware for $119.99. The host will go out of his or her way to stress "for LESS than $120 you get this marvelous collection." It's a penny off the $120 - and when you add in tax and shipping and handling the actual cost is about $150. But that initial figure is so compelling...
Another fun way would be to go to Share-A-Pic You can upload unlimited images and galleries, then share them on any social network, blog or website to earn cash or gift certificates to top online retailers. They give $0.22 to you for every 1000 view of a picture. Its not a immediate payout but I think of it like an unseen savings that makes a good payout it the long run.
I really like my "Coco Latte" Machine. It will froth the coffee as it pours out of the spinner. It doesn't make expresso but you don't even need a machine to make espresso. You just need a simple expresso coffee pot you keep on the stove.
That's interesting -- I appreciate the perspective from the retail sales floor.
I try to round like I mentioned earlier but I guess there are many people who don't. I did wonder if some folks didn't round up simply because comparisons are typically made from x.99 to x.99, so that they were looking simply at the differential between two similarly priced items. Your observations though tell me that people focus on the left digits.
Thanks for your comment -- I did read in one article that in some cases, for administrative reasons, retailers used certain unique price endings but I hadn't yet seen the pattern.
Yeah, they squeeze the last -nth out of you. A week or so ago, my son was asking me what those numbers after the regular decimal points were on the signs at the gasoline station, and I did my best to explain. We've become accustomed to this pricing scheme even if it doesn't really make sense -- except to charge us more.
I've always rounded things up... if it's 1.99, to me it's $2 bucks. I've never understood people that go "hey that's only a dollar"... like confused the hell out of me they'd think that way. But when I worked retail (at Home Depot btw) customers did it all the time... I'd say $10 for a 9.97 item and they'd turn around to their wife/husband and say "hey it's only $9bucks"... like EVERY time lol... I just don't understand it.. but obviously I'm the minority in thinking there as retailers still use the tried and true methods.
Nice post - thanks.
I've always rounded things up... if it's 1.99, to me it's $2 bucks. I've never understood people that go "hey that's only a dollar"... like confused the hell out of me they'd think that way. But when I worked retail (at Home Depot btw) customers did it all the time... I'd say $10 for a 9.97 item and they'd turn around to their wife/husband and say "hey it's only $9bucks"... like EVERY time lol... I just don't understand it.. but obviously I'm the minority in thinking there as retailers still use the tried and true methods.
Nice post - thanks.
Our baby loved the swing and music. We used a fan for that swishing noise. We have transitioned to a noise machine with an ocean wave setting. We travel a lot and many times are not at home at naptime. I found the perfect solution online, Sleepy Bee. He is a cute little portable sound machine that attaches to the car seat stroller or pack and play. He takes care of all the sleep interrupting noise. Works great. sleepybees.com
I have a clothes tree in my hallway that I use to hang pants and skirts that I've worn once. I find that the underarms in my dress shirts and sweaters won't last as long if I wear them twice than if I wear them once and wash them. However, I sometimes layer a t-shirt under them and then can wear them again without worry about smell or damage to the garment.
This is a great exercise and exactly what I need to get moving forward again in my life. I am going to get my timer and my sheet of paper and get unstuck. Thank you.
You forgot mattresses.
I hope to sell on Ebay. I hear you can set up what you want to sell and "launch" the sale on a separate day. I use to sell on a regular basis. Has anyone tried Squidoo? I hear you get paid to write.
Great list of articles- Thanks for the mention!
My favorite is a giant Whiskey bottle... You can normally get them by asking bars to save them for you.
I've only bought used vehicles, though my primary form of transportation is two-wheeled. As long as you're smart, it can really pay off. I got my 25-year-old Honda scooter for free from somebody who'd had it lying around in their yard for 20 of those years. It was simple enough to fix up, and gets me where I need to go in town – while getting 120 mpg.
Good reminder tips or for anyone who never really had someone teach you how to clean decently. Seriously, make the time, even if it's "one-room-@-a-time." If you've an "entourage" DELEGATE! Then "inspect." Train your family "staff" in the way they should go
My Mom did. (Still have her words running through my brain!) "Dust before you run the sweeper!" She taught me how to wash dishes. Forget my brother ever "really" doing them! My guy's that way, too! But...he can cook with the best of 'em! His family learned how to feed an "army" of customers! Just have fun! Have a great day, too! --LJK :-)
We aren't all rich enough to have a self cleaning stove!
Has anyone ever had issues ordering with the designer discount sites? I searched for reviews of some of the sites listed, and it seems like several people had bad experiences with returns, refunds, not getting their merchandise, etc. Is there a way to find out if the business is reliable? Which ones are the best? Any advice would be welcome!
Here's a money saving activity:
Ask employees to set their computers to go to sleep automatically after 30 minutes of inactivity and to turn them off at night along with printers and copiers. According to the EPA, this can save anywhere from $50 to more than $150 annually per device (depending on the type of machine and its energy consumption). And don’t let screen savers fool you: Most screen savers keep monitors running at full power. So screens should be black.
I suppose you could spend lots of money on a costume. But a home made one is so much better! You can pay very little (Or even nothing at all) for parts and materials for it, and you have something unique that (Assuming you did a good job on it) will last at least as long as a store-bought costume, if not longer. Home made costumes can be reused, especially if individual garments can be reused in different costumes. And of course, there's the pleasure of making it and the satisfaction you get having made it yourself. If you're a parent, then making a costume with your child is also a good way to pass useful skills along, which far too many people don't have these days.
Plus, a definite advantage for the kids- lots of people will be more impressed by a home made costume, because more effort has gone into it. This means they'll give more sweets. Hell, I don't give kids anything if they turn up in a shop bought costume. Why not? They haven't earned it.
We used to buy New or Lease, but after finding the gem that is Dave Ramsey, we recently purchased the hubby a Used car. We couldn't be happier! Unfortunately my van was a Lease and in the process of getting out of that nightmare, we surely paid our part in "stupid tax" -- never again!
I've had the Optimus V for 2 months and I'm a very happy user. I rooted the phone to create a lot more space for apps that I like instead of the pre-loaded ones and for the price, its almost untouchable. The Optimus V was $149 when introduced, but recently Virgin Mobile raised the price to $199. The 3G and phone are both a little slow at times, but the usefulness of it far outweighs any perceived negatives. I call myself a power app user willing to put up with a slower speed. Virgin Mobile (and I guess Sprint) should be applauded for providing great value to people at a price they can afford and also not putting them in a bad financial position.
I have no idea who this cumuta person is but what he's saying is true. Your numbers are flawed. I make about $50k and my credit score is 715 median. I didn't qualify for a $200k house. I have nothing bad on my record. I have been with my job for five years If you are going to use a median income then use the house price median income earners would qualify for.
And two car payments of almost $400 each? No way. I don't care where you got your numbers from. There is no way a family making $52k would qualify. You are talking about a third almost of your take home income being used for car payments alone. That's not counting insurance, gas, maintenance. It's not realistic. Even before the banks got stricter on giving loans, they (most anyway) wouldn't loan you more than 35% debt to income ratio. 35% of 52k is 18-19k. And you have that on one car alone.
Use your own debt numbers and do the math. Use friends and families' numbers too. you will see that barring exorbitant medical bills or lawsuit payments, everyone's total debt is about the same percentage-wise to their income. To exaggerate, you are not going to find someone with 200 times their salary in debt without something very unusual having happened to them.
That's not to say that I agree with his sales tactics you mentioned above. And I agree that it is very important to do your research before buying such an expensive program. It is much cheaper to borrow or even buy one of the other "guru's" books.
But I don't agree that you will have no social life etc. My husband and I owed about three times our yearly take-home and we will be debt free in ten months, 3.5 years after starting the debt snowball system ( which I learned about from one of Mary hunts books). We go out to eat (not a lot). We go to the movies. We have iPads each and iPhones. We went to NC for a week last month. It's all about figuring out what you really really want and then finding a way to get it that doesn't derail your getting-out-of debt plans. 7 years is not unrealistic.
You see this a lot on home shopping channels, in kind of a strange way. For example, let's say they are selling a set of cookware for $119.99. The host will go out of his or her way to stress "for LESS than $120 you get this marvelous collection." It's a penny off the $120 - and when you add in tax and shipping and handling the actual cost is about $150. But that initial figure is so compelling...
Another fun way would be to go to Share-A-Pic You can upload unlimited images and galleries, then share them on any social network, blog or website to earn cash or gift certificates to top online retailers. They give $0.22 to you for every 1000 view of a picture. Its not a immediate payout but I think of it like an unseen savings that makes a good payout it the long run.
I really like my "Coco Latte" Machine. It will froth the coffee as it pours out of the spinner. It doesn't make expresso but you don't even need a machine to make espresso. You just need a simple expresso coffee pot you keep on the stove.
That's interesting -- I appreciate the perspective from the retail sales floor.
I try to round like I mentioned earlier but I guess there are many people who don't. I did wonder if some folks didn't round up simply because comparisons are typically made from x.99 to x.99, so that they were looking simply at the differential between two similarly priced items. Your observations though tell me that people focus on the left digits.
Thanks for your comment -- I did read in one article that in some cases, for administrative reasons, retailers used certain unique price endings but I hadn't yet seen the pattern.
I try to mentally round up but I am not sure if my brain recognizes the deception or not.
I think it's funny that so many retailers still charge .99 -- there are a few things that are such bargains I'd gladly pay a full dollar for them!
Yeah, they squeeze the last -nth out of you. A week or so ago, my son was asking me what those numbers after the regular decimal points were on the signs at the gasoline station, and I did my best to explain. We've become accustomed to this pricing scheme even if it doesn't really make sense -- except to charge us more.
I've always rounded things up... if it's 1.99, to me it's $2 bucks. I've never understood people that go "hey that's only a dollar"... like confused the hell out of me they'd think that way. But when I worked retail (at Home Depot btw) customers did it all the time... I'd say $10 for a 9.97 item and they'd turn around to their wife/husband and say "hey it's only $9bucks"... like EVERY time lol... I just don't understand it.. but obviously I'm the minority in thinking there as retailers still use the tried and true methods.
Nice post - thanks.
I've always rounded things up... if it's 1.99, to me it's $2 bucks. I've never understood people that go "hey that's only a dollar"... like confused the hell out of me they'd think that way. But when I worked retail (at Home Depot btw) customers did it all the time... I'd say $10 for a 9.97 item and they'd turn around to their wife/husband and say "hey it's only $9bucks"... like EVERY time lol... I just don't understand it.. but obviously I'm the minority in thinking there as retailers still use the tried and true methods.
Nice post - thanks.
Our baby loved the swing and music. We used a fan for that swishing noise. We have transitioned to a noise machine with an ocean wave setting. We travel a lot and many times are not at home at naptime. I found the perfect solution online, Sleepy Bee. He is a cute little portable sound machine that attaches to the car seat stroller or pack and play. He takes care of all the sleep interrupting noise. Works great. sleepybees.com
I have a clothes tree in my hallway that I use to hang pants and skirts that I've worn once. I find that the underarms in my dress shirts and sweaters won't last as long if I wear them twice than if I wear them once and wash them. However, I sometimes layer a t-shirt under them and then can wear them again without worry about smell or damage to the garment.
This is a great exercise and exactly what I need to get moving forward again in my life. I am going to get my timer and my sheet of paper and get unstuck. Thank you.