Thinking about small amounts of money (perhaps not quite pennies, though) is an important mental exercise. It is a matter of developing a frugal mindset. Like the saying, "Take care of the pennies and the dollars will take care of themselves."
I can vouch for this company, I've toured their building which is in the lovely city of Trenton NJ (I jest). Anyway their products are extremely effective and also recycle a lot of trash ! Fantastic business.
they are crucially important information you can't get any other way. They not only tell the business owner what is needed to make numerous decisions every day about costs, pricing and demand, but they tell investors where capital can be productively put to use.
The loss of that information is what makes so many public services, like education, of spotty or downright awful quality in spite of hugh inputs and devoted efforts.
Fabulous post Nora! It paints such a clear picture of how this sort of thinking can make good things great. And really, it's all about 2 heads being better than one.
We aren't all experts at everything, so some tasks take us a lot longer than others. So unless you actually enjoy that job, or the benefits of learning it are obvious, then isn't outsourcing the way to go?
I'd love to understand the electricals throughout my office, but I know at the end of the day, learning it wont benefit me much (lets ignore the safety concerns for one minute) but outsourcing any needs of this nature to a qualified electrician, well that just makes sense doesn't it! :)
Thanks again for a great post.
Sincerely
Rosie Shilo
Virtually Yours
w
I'll bend down to pick up a penny. It might be just the penny I need later to pay for the newspaper without breaking another bill. Cutting back on the $4 latte may not sound like much, only four dollars, but do that for a year and you've put $1,460 in your savings account!
Your carnival submission has been posted. Don't forget to grab the post permalink to link your post back to the carnival for the convenience of readers. Thanks for participating. Next month, we will be setting a theme around holiday savings.
Saving little bits- by picking up change, couponing, using price books, redeeming aluminum cans from the street, is all money. Saving big bits by evaluating housing, cars, education, shopping better CD rates, is money too. Making savings work towards larger goals is the trick. Is the immediate worth more than the longer term? Sometimes even the Dollar Menu is worth it in the bigger scheme of things. It's just most times it's not.
A penny saved is a penny earned. I pick up pennies all the time and add them to my coin jar, periodically when I cash out with coinstar for a giftcard, it can add up 40, 50 dollars. Thats enough to knock out a big chunk of my textbook costs as a college student.
I opened an acct. 2 weeks ago. check city said they checked net spend out and it was a great co. but my password would not work. I could not get a balance. and then they locked me out of my own acct. and the promised 7-10 days to receive the permanent card was not going to happen until I sent a copy of my ss# card and utility bill's proving who I am! I could not believe what I was hearing!! I told check city I stood in front of you and you could look at my drivers license and see who I was. and I dd not need to prove it to some cocky cc company!! so they agreed to refund me all the fees, after they themselves experienced such a hard time on the phone with them. but I still can't close it out until I see a statement which I can't get. so I call the attorney general, because they did not disclose any of this in their brochure.
Every penny counts. I believe they can quickly add up, just as every penny spent quickly adds up. The only problem is, is that spent pennies are usually quicker to add up than saved pennies.
community supported agriculture sounds really good. Japanese ususally have healthy eating hatbits, vegetables, fish, seldom eat greasy food,such as Chinese food. thus there are many old people over 100 years old. i like korea food too, not greasy, and kimqi really tastes good.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
the global financial crisis was an earthquake to the whole world, i remember many companies went bankrupt, people lost their jobs last year, though not seriously. but obviously the situation is becoming better in China, companies are afraid getting more orders cause they can not find as many workers as they want, especially in the southern part of China.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
be a totally vegetarian is not good to health,while go for a while is recommended. i agree to make a vegetable garden in the backyard is a great idea to save money and keep us from pesticide pollution.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
amazing points, great guidance for people, like me, who wants to start our own business soon. and i believe the time to start a business is never and always.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
The great thing about US debt, is that we don't have to pay it back! Actually, we do through the capital account, but foreigners keep on buying our treasuries, so rates keep on staying low, and therefore we keep on borrowing. We're all in cahoots, and it's wonderful!
There's no way a recovery is anywhere close...there's simply too much housing inventory and too few jobs. Factor in home prices that really haven't fallen that much (the median sales price is only low because distressed properties skew it lower), and things aren't so bright.
Oh and then there's the hundreds of thousands of foreclosed properties withheld by banks and lenders that haven't been made market yet...and that's just housing.
What about credit cards, business loans, etc, etc...
I did have a latte factor. I was going out after work every week or two and when I went back and totaled up how much I had spent in three months I realized that it would have been enough to buy my daughter new dance shoes for all three of her dance classes.
The small things do add up and are just as important as saving on the big stuff.
Debt traps you into choices you made in the past that might not suit you any more. Skipping any number of "treats" is worth it to me because I'm free - I can walk out of a bad job or a bad personal situation, because my future's not in hock.
As much as I like little treats, freedom is more worth it.
don't waste too much time on saving money, earning is much more important. not saying to be a spendthrift, why not spend your savings on investment.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
Sometimes, the best thing about a post IS the conversation, which is why this one really caught my fancy. Good job on getting some neat facts out there, and letting people talk it out :)
Thinking about small amounts of money (perhaps not quite pennies, though) is an important mental exercise. It is a matter of developing a frugal mindset. Like the saying, "Take care of the pennies and the dollars will take care of themselves."
I can vouch for this company, I've toured their building which is in the lovely city of Trenton NJ (I jest). Anyway their products are extremely effective and also recycle a lot of trash ! Fantastic business.
they are crucially important information you can't get any other way. They not only tell the business owner what is needed to make numerous decisions every day about costs, pricing and demand, but they tell investors where capital can be productively put to use.
The loss of that information is what makes so many public services, like education, of spotty or downright awful quality in spite of hugh inputs and devoted efforts.
Fabulous post Nora! It paints such a clear picture of how this sort of thinking can make good things great. And really, it's all about 2 heads being better than one.
We aren't all experts at everything, so some tasks take us a lot longer than others. So unless you actually enjoy that job, or the benefits of learning it are obvious, then isn't outsourcing the way to go?
I'd love to understand the electricals throughout my office, but I know at the end of the day, learning it wont benefit me much (lets ignore the safety concerns for one minute) but outsourcing any needs of this nature to a qualified electrician, well that just makes sense doesn't it! :)
Thanks again for a great post.
Sincerely
Rosie Shilo
Virtually Yours
w
The Target podcast was very interesting
I'll bend down to pick up a penny. It might be just the penny I need later to pay for the newspaper without breaking another bill. Cutting back on the $4 latte may not sound like much, only four dollars, but do that for a year and you've put $1,460 in your savings account!
Hello -
Your carnival submission has been posted. Don't forget to grab the post permalink to link your post back to the carnival for the convenience of readers. Thanks for participating. Next month, we will be setting a theme around holiday savings.
Lisa
OLD AGE HOME SIGN on a HUGE penny jug
10 pennies make a dime
ten dimes make a dollar
They used the $ to buy gifts to donate to the needy
Saving little bits- by picking up change, couponing, using price books, redeeming aluminum cans from the street, is all money. Saving big bits by evaluating housing, cars, education, shopping better CD rates, is money too. Making savings work towards larger goals is the trick. Is the immediate worth more than the longer term? Sometimes even the Dollar Menu is worth it in the bigger scheme of things. It's just most times it's not.
Value4shopping.com is one of the best coupons, discount deals site. It should be in this list. I found value4shopping team is very innovative.
A penny saved is a penny earned. I pick up pennies all the time and add them to my coin jar, periodically when I cash out with coinstar for a giftcard, it can add up 40, 50 dollars. Thats enough to knock out a big chunk of my textbook costs as a college student.
I opened an acct. 2 weeks ago. check city said they checked net spend out and it was a great co. but my password would not work. I could not get a balance. and then they locked me out of my own acct. and the promised 7-10 days to receive the permanent card was not going to happen until I sent a copy of my ss# card and utility bill's proving who I am! I could not believe what I was hearing!! I told check city I stood in front of you and you could look at my drivers license and see who I was. and I dd not need to prove it to some cocky cc company!! so they agreed to refund me all the fees, after they themselves experienced such a hard time on the phone with them. but I still can't close it out until I see a statement which I can't get. so I call the attorney general, because they did not disclose any of this in their brochure.
Every penny counts. I believe they can quickly add up, just as every penny spent quickly adds up. The only problem is, is that spent pennies are usually quicker to add up than saved pennies.
community supported agriculture sounds really good. Japanese ususally have healthy eating hatbits, vegetables, fish, seldom eat greasy food,such as Chinese food. thus there are many old people over 100 years old. i like korea food too, not greasy, and kimqi really tastes good.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
the global financial crisis was an earthquake to the whole world, i remember many companies went bankrupt, people lost their jobs last year, though not seriously. but obviously the situation is becoming better in China, companies are afraid getting more orders cause they can not find as many workers as they want, especially in the southern part of China.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
be a totally vegetarian is not good to health,while go for a while is recommended. i agree to make a vegetable garden in the backyard is a great idea to save money and keep us from pesticide pollution.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
amazing points, great guidance for people, like me, who wants to start our own business soon. and i believe the time to start a business is never and always.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
I think no one has its correct answer.
The great thing about US debt, is that we don't have to pay it back! Actually, we do through the capital account, but foreigners keep on buying our treasuries, so rates keep on staying low, and therefore we keep on borrowing. We're all in cahoots, and it's wonderful!
There's no way a recovery is anywhere close...there's simply too much housing inventory and too few jobs. Factor in home prices that really haven't fallen that much (the median sales price is only low because distressed properties skew it lower), and things aren't so bright.
Oh and then there's the hundreds of thousands of foreclosed properties withheld by banks and lenders that haven't been made market yet...and that's just housing.
What about credit cards, business loans, etc, etc...
Yes. I pick up pennies and I spend them, too.
I did have a latte factor. I was going out after work every week or two and when I went back and totaled up how much I had spent in three months I realized that it would have been enough to buy my daughter new dance shoes for all three of her dance classes.
The small things do add up and are just as important as saving on the big stuff.
Debt traps you into choices you made in the past that might not suit you any more. Skipping any number of "treats" is worth it to me because I'm free - I can walk out of a bad job or a bad personal situation, because my future's not in hock.
As much as I like little treats, freedom is more worth it.
can this do anything potentially harmful to your computer?
don't waste too much time on saving money, earning is much more important. not saying to be a spendthrift, why not spend your savings on investment.[img]http://www.photosnag.com/img/4713/n09x0302vnsn/clear.gif[/img]
Sometimes, the best thing about a post IS the conversation, which is why this one really caught my fancy. Good job on getting some neat facts out there, and letting people talk it out :)
Linsey Knerl