This site is filled with great information on diabetes. I have been searching for a site that gives great information and feedback.
I have been a diabetic for 37 years and I am taking insulin and oral medicine. I have watched the many changes and confusion of medical advice from physicians and the changes by the food industry.
What works for me is 5-6 small meals, lots of veggies, umm I love fresh veggies, and lots of liquids. I eat very little breads and crackers, limiting my carbs as my body seems to be most sensitive to carbs, starchy veggies, and lite yogurts. I eat plain yogurt and add blueberries and strawberries alowing them to sit for a day or two to increase the flavor in the yogurt.
Finding out what works for your body takes time but in the long run time is what you will gain.
Blessings and keep up the communication as it really helps.
Not sure how old but in 2nd grade at Catholic school Mrs Kreckel's class I sold cinnamon toothpicks 3 for 5 cents.Bought the cinnamon oil at pharmacy and wooden tooth picks let them soak and Waaah la my product was ready.The boys bought them like hot cakes, and then the girls tried them but did not like a toothpick hanging out of mouth.My marketing ploy for the girls became "suck on them to freshen breath".Geesh! Saved all the nickels not sure how much I made total by 3rd grade I had moved on at the encouragement of the nuns who thought myselling was crass for a girl! In third grade learned to cover/ weave hangers with yarn to protect delicate clothes,give as gifts etc. more acceptable for a girl YIKES
I totally agree with #8. I highly recommend learning to sew by hand as well as by machine -- and spending the money on quality tools. I've saved a lot of money over the years making my own home decor items (like curtains, table runners and cushions), so I definitely think it's a worthwhile skill.
I would still pay someone to alter an expensive piece of clothing like a suit or a formal dress. Some fabrics are very fussy to work with and some alterations aren't as easy as they look. However, with sewing lessons you'll be better able to tell what's a quick and easy fix and when you're better off getting professional help.
I started saving money when I asked for my first allowance at age 5. The deal was that I would be paid bi-weekly for doing a list of chores around the house. However, I had to put half of my allowance into a savings account, and I could spend the other half. This got me into a great habit, and even now I save around 50% of my income.
I started saving when I had my first job, at age 19. (yeah, I was a slacker!!)
I had a car given to me from someone who didn't want to deal with it, and it got me and my friends around, but I knew I needed something better.
So every week, I'd get my check, and take what I thought I'd need for the week, and put the rest in a locked box in my drawer.
After a few months, I finally had enough to buy my "new" car, from someone selling one cheap at my Dad's work.
I was soooooooo proud of myself for saving all that money, and paying for it all by myself, that I kept saving, for "who knows what".
That is, till I met my husband, who was HORRIBLE with money, and we were in debt, renting, with horrible credit for the first 8 years of our marriage.
Finally, he got his s**t together, and we've started saving. (two kids and our first home later...)
Funny thing is, it never seems to get beyond about $3,000, before it's needed for something!!!
In second grade our class went on a field trip where all of us had opportuity to open a bank account at PSFS with a dollar. Alas the bank and the low initial deposit are no more. However it was the start of a very good habit. What magic to see not only the deposits but interest written in the passbook over the years. Almost every bit of birthday or chore or odd job or Christmas money went into the account. First I saved for a bike, then a small pool, then a piano, and finally college. Between savings, scholarships, and a bunch of jobs I graduated debt free. Lesson learned. Sadly once in the work world, opportunities to spend multiplied, and I was content to have $1000 in the bank when it could have been much more. Back on the wagon again as a married person with kids, it feels like I've come home.
My parents started all my siblings out as savers. as a child, money that came in went into the bank--frivolous spending was frowned on. Because of that, I had a tidy balance when I was 17, allowing me to buy my first car--a Toyota 4Runner--with cash. After that hit to my savings, I kept saving my money from my jobs and rebuilding my savings. Now that I am in college, I am becoming more proactive about saving and instead of just putting money in the bank, I just opened a roth IRA.
The two biggest things that helped me to save were growing up with my parents who taught me to live below my means and avoiding all debt (credit card, car payments, student loans...etc).
Started babysitting as a teenager and then got a job in a pharmacy. Opened a savings account right around then and I remember "splurging" at the first opportunity and buying a friggin $50 candle/sculpture for my mom. She hated it, ha ha. Started seriously saving in college when my parents left me in charge of my own living expenses and have been a tenacious saver ever since. Though it sounds a bit OCD it is inspirign to check my account balance regularly and watch the savings grow.
As the title would indicate, I had a savings account started by my parents early in life(8-10). As I grew older however, the money went out as quick as it came in with few exceptions. Now I am much more concerned with reducing debt and increasing my savings.
Right up my alley! I also use them to replace broken handles on small kitchen appliances. Just did it up as a tip the other day for another project I'm working on. Thanks for taking recycling to the next level, girl!
"TerraCycle upcycles used corks - both natural and synthetic - into cool products are available nationally at major retailers."
So it looks like they accept synthetic ones.
Thanks for all the great ideas. I save corks, with no real future use in mind. A friend though once gave me a cork trivet and its wonderful. I use it just about every day.
You do realize that money circulates, right? There's a good chance the money you earn has been in the hands of someone disreputable. If nothing negative happens as a result of taking the money, and you really never know where it came from, I don't see how this money is different from any other money.
I understand where you're coming from with the immoral working conditions example, but the analogy does not work for me with the no strings and no knowledge of where it came from conditions. It is impossible to know the full repercussions of any action you take or don't take. Say you decide to decline the money and the next person who takes the stranger up on his offer uses it to start a thriving drug cartel in a third-world country, was refusing the money the right thing to do, then? You're not saving anyone by refusing absolutely no-strings cash; you've just found a self-righteous way to shirk the responsibility of using that money in a positive way.
There's no excuse for supporting conditions you find morally wrong or acting in a way that is willfully ignorant, but if there is absolutely no way to find out where the money came from and nothing negative will happen to someone else as a result of taking the cash, then what on earth makes it any different than collecting any other money?
When I was young I was a really great saver. My mom opened up a savings account for me when I was a kid, and I'd faithfully deposit any allowance, Christmas/birthday gift money and, when I got a bit older, babysitting earnings into the account. I had that same savings account for years. Then, when I was 19, I bought a car and used the majority of that account as a down payment. Once the bulk of the money was spent I just blew the rest on shopping, dining out, and the like. The paltry remainder was eaten up by the bank's fees for dipping below the minimum balance. Sadly, I didn't save seriously again until I was 36. I had a lot of credit card debt as well as rent and other bills, so saving wasn't a priority for me during those lean years. But now I'm back (for good!) to being a serious saver. I learned my financial lessons the hard way and will never again go back to being in credit card debt and having no emergency fund. That feeling of having at least some money in the bank is truly priceless. Knowing that you can cover an unexpected car repair, dental visit, whatever without busting out your credit card is amazing and really does help me sleep better at night and feel more secure. I honestly think that saving is fun! Seeing your money grow with interest is awesome!
And I got my first job. I was determined to buy my own car when I turned 16 so I put everything into a savings account and would only carry $100 with me at a time (no credit card and no debit...if that $100 ran out I had to go to the bank to get more...a little more practical in middle school). When I turned 16, I bought my own car and I am still loving her! Now, I have my credit card and debit card, but a majority still goes into savings and I always pay everything off in full.
As immigrants, we were very very poor when I was growing up so I did not get an allowance. Therefore, I never really did have any money to save until I got a job. I started delivering newspapers when I was ~14. I helped my brother with his route, folding papers for him and he gave me a small cut of his earnings. When he went to VietNam I inherited his route.
This site is filled with great information on diabetes. I have been searching for a site that gives great information and feedback.
I have been a diabetic for 37 years and I am taking insulin and oral medicine. I have watched the many changes and confusion of medical advice from physicians and the changes by the food industry.
What works for me is 5-6 small meals, lots of veggies, umm I love fresh veggies, and lots of liquids. I eat very little breads and crackers, limiting my carbs as my body seems to be most sensitive to carbs, starchy veggies, and lite yogurts. I eat plain yogurt and add blueberries and strawberries alowing them to sit for a day or two to increase the flavor in the yogurt.
Finding out what works for your body takes time but in the long run time is what you will gain.
Blessings and keep up the communication as it really helps.
I started seriously saving money last year, at age 24. I paid off $10,000 in debt and began to consistently put aside money every week for savings.
Not sure how old but in 2nd grade at Catholic school Mrs Kreckel's class I sold cinnamon toothpicks 3 for 5 cents.Bought the cinnamon oil at pharmacy and wooden tooth picks let them soak and Waaah la my product was ready.The boys bought them like hot cakes, and then the girls tried them but did not like a toothpick hanging out of mouth.My marketing ploy for the girls became "suck on them to freshen breath".Geesh! Saved all the nickels not sure how much I made total by 3rd grade I had moved on at the encouragement of the nuns who thought myselling was crass for a girl! In third grade learned to cover/ weave hangers with yarn to protect delicate clothes,give as gifts etc. more acceptable for a girl YIKES
I totally agree with #8. I highly recommend learning to sew by hand as well as by machine -- and spending the money on quality tools. I've saved a lot of money over the years making my own home decor items (like curtains, table runners and cushions), so I definitely think it's a worthwhile skill.
I would still pay someone to alter an expensive piece of clothing like a suit or a formal dress. Some fabrics are very fussy to work with and some alterations aren't as easy as they look. However, with sewing lessons you'll be better able to tell what's a quick and easy fix and when you're better off getting professional help.
I started seriously saving last year, with my first post-college job at 21. I'm doing the 10% save for now.
I started saving money when I asked for my first allowance at age 5. The deal was that I would be paid bi-weekly for doing a list of chores around the house. However, I had to put half of my allowance into a savings account, and I could spend the other half. This got me into a great habit, and even now I save around 50% of my income.
I remember having a savings account and seeing the interest stmped in my passbook. Also rolling pennies with my mother.
don't say no to money....
I started saving when I had my first job, at age 19. (yeah, I was a slacker!!)
I had a car given to me from someone who didn't want to deal with it, and it got me and my friends around, but I knew I needed something better.
So every week, I'd get my check, and take what I thought I'd need for the week, and put the rest in a locked box in my drawer.
After a few months, I finally had enough to buy my "new" car, from someone selling one cheap at my Dad's work.
I was soooooooo proud of myself for saving all that money, and paying for it all by myself, that I kept saving, for "who knows what".
That is, till I met my husband, who was HORRIBLE with money, and we were in debt, renting, with horrible credit for the first 8 years of our marriage.
Finally, he got his s**t together, and we've started saving. (two kids and our first home later...)
Funny thing is, it never seems to get beyond about $3,000, before it's needed for something!!!
In second grade our class went on a field trip where all of us had opportuity to open a bank account at PSFS with a dollar. Alas the bank and the low initial deposit are no more. However it was the start of a very good habit. What magic to see not only the deposits but interest written in the passbook over the years. Almost every bit of birthday or chore or odd job or Christmas money went into the account. First I saved for a bike, then a small pool, then a piano, and finally college. Between savings, scholarships, and a bunch of jobs I graduated debt free. Lesson learned. Sadly once in the work world, opportunities to spend multiplied, and I was content to have $1000 in the bank when it could have been much more. Back on the wagon again as a married person with kids, it feels like I've come home.
My parents started all my siblings out as savers. as a child, money that came in went into the bank--frivolous spending was frowned on. Because of that, I had a tidy balance when I was 17, allowing me to buy my first car--a Toyota 4Runner--with cash. After that hit to my savings, I kept saving my money from my jobs and rebuilding my savings. Now that I am in college, I am becoming more proactive about saving and instead of just putting money in the bank, I just opened a roth IRA.
The two biggest things that helped me to save were growing up with my parents who taught me to live below my means and avoiding all debt (credit card, car payments, student loans...etc).
Started babysitting as a teenager and then got a job in a pharmacy. Opened a savings account right around then and I remember "splurging" at the first opportunity and buying a friggin $50 candle/sculpture for my mom. She hated it, ha ha. Started seriously saving in college when my parents left me in charge of my own living expenses and have been a tenacious saver ever since. Though it sounds a bit OCD it is inspirign to check my account balance regularly and watch the savings grow.
I would guess I was around 5? I grew up on a farm, so, rather ironically, my earnings were from raising hogs.
I wish I had the magic instructions about how to save, but it seems like it is just something I've always done, always expected I'd do.
As the title would indicate, I had a savings account started by my parents early in life(8-10). As I grew older however, the money went out as quick as it came in with few exceptions. Now I am much more concerned with reducing debt and increasing my savings.
Right up my alley! I also use them to replace broken handles on small kitchen appliances. Just did it up as a tip the other day for another project I'm working on. Thanks for taking recycling to the next level, girl!
Check out my various projects and services at Itinerant Tightwad. I also have a monthly education newsletter.
Terracycle's site says:
"TerraCycle upcycles used corks - both natural and synthetic - into cool products are available nationally at major retailers."
So it looks like they accept synthetic ones.
Thanks for all the great ideas. I save corks, with no real future use in mind. A friend though once gave me a cork trivet and its wonderful. I use it just about every day.
..earned money delivering newspapers. I liked to stack the coins on the dinner table, biggest to smallest, to flaunt in front of my big sister.
but if you get six in a row then how does brainiac's thing make any sense ?
i don't think that that's how all of them work ><
Great View Of Seattle!!!
You do realize that money circulates, right? There's a good chance the money you earn has been in the hands of someone disreputable. If nothing negative happens as a result of taking the money, and you really never know where it came from, I don't see how this money is different from any other money.
I understand where you're coming from with the immoral working conditions example, but the analogy does not work for me with the no strings and no knowledge of where it came from conditions. It is impossible to know the full repercussions of any action you take or don't take. Say you decide to decline the money and the next person who takes the stranger up on his offer uses it to start a thriving drug cartel in a third-world country, was refusing the money the right thing to do, then? You're not saving anyone by refusing absolutely no-strings cash; you've just found a self-righteous way to shirk the responsibility of using that money in a positive way.
There's no excuse for supporting conditions you find morally wrong or acting in a way that is willfully ignorant, but if there is absolutely no way to find out where the money came from and nothing negative will happen to someone else as a result of taking the cash, then what on earth makes it any different than collecting any other money?
When I was young I was a really great saver. My mom opened up a savings account for me when I was a kid, and I'd faithfully deposit any allowance, Christmas/birthday gift money and, when I got a bit older, babysitting earnings into the account. I had that same savings account for years. Then, when I was 19, I bought a car and used the majority of that account as a down payment. Once the bulk of the money was spent I just blew the rest on shopping, dining out, and the like. The paltry remainder was eaten up by the bank's fees for dipping below the minimum balance. Sadly, I didn't save seriously again until I was 36. I had a lot of credit card debt as well as rent and other bills, so saving wasn't a priority for me during those lean years. But now I'm back (for good!) to being a serious saver. I learned my financial lessons the hard way and will never again go back to being in credit card debt and having no emergency fund. That feeling of having at least some money in the bank is truly priceless. Knowing that you can cover an unexpected car repair, dental visit, whatever without busting out your credit card is amazing and really does help me sleep better at night and feel more secure. I honestly think that saving is fun! Seeing your money grow with interest is awesome!
And I got my first job. I was determined to buy my own car when I turned 16 so I put everything into a savings account and would only carry $100 with me at a time (no credit card and no debit...if that $100 ran out I had to go to the bank to get more...a little more practical in middle school). When I turned 16, I bought my own car and I am still loving her! Now, I have my credit card and debit card, but a majority still goes into savings and I always pay everything off in full.
It took me until 35 to actually learn how to budget and start saving!
As immigrants, we were very very poor when I was growing up so I did not get an allowance. Therefore, I never really did have any money to save until I got a job. I started delivering newspapers when I was ~14. I helped my brother with his route, folding papers for him and he gave me a small cut of his earnings. When he went to VietNam I inherited his route.
HELL YES!!! That would pay off the house, fix everything up, pay all back bills, etc.