I remember first hearing about the hyper-miling thing and being appalled. That guy uses techniques that make him a danger to himself and everyone else on the road.
Some of these bits of advice are good (don't start & stop too quick, leave yourself plenty of room, etc), but that guy just takes it way WAY too far.
I get paid the last business day of each month. 12 equal paychecks throughout the year. It simplifies my life for the most part b/c I was able to get most of my billers to change my due dates to fall around the 1-2nd week of the month. I like being able to pay all the bills in one fell swoop. It CAN get tough rationing out my discretionary spending allowance for the entire month -- especially months like January when there are nearly 5 full weeks when there are typically only 4 most months.
Great post - and brilliant advice from Mr Spangler. I love reading interviews with these type of people. They have years of experience and mistakes, and they're never too proud to admit where they went wrong.
Number 9 hit a nerve with me. I am just having to readjust my projections for the coming year, because the last ones I did were completely unrealistic.
And it's not easy - probably because you don't want to get to the end and realise that if you'd been more accurate to start with, you might not have invested in that particular business.
I guess the learning never really stops. We just hope that our mistakes become fewer and less painful.
recipezaar, which has both a huge stockpile of recipes and can "drill down" to a very particular type of recipe with amazing granularity (by ingredients, appliance, time to make, dietary restrictions, cuisine, etc.), plus ratings and so on (the downside is that all this functionality makes it a slow process sometimes)
and
cooks.com, which has fewer features, but which is the quickest place to go with a very particular list of ingredients--a great aid to the frugalista trying to use up odds-n-ends, garden bonanzas, etc.
I guess so many people are buying Heather's ebook at Top_Secret_Money on e-bay.
Her e-book is the best I have ever seen.
I wish I had her talent to write and create the huge business success she makes for her customers.
I know deep down she's the most unstoppable force on ebay and her ebook even though it's new,will soon over take mine.
I wish you all the best Heather, you deserve it.
Kekoa64
I get paid weekly and absolutely love it!! First, it was a godsent when I first started at my current job. Second, I base my budget (and how much I save) on a 4 week month, every third month has a fifth Friday (and a fifth payday). That fifth paycheck goes straight to my debt, and is probably the biggest reason I've been able to pay off over $9000 in debt since June.
but hubby's pay cycle & mine are a touch off from each other so we end up with a payday every week.
this has been useful for those occasions where life goes pear-shaped, but i actually liked and miss getting paid 1st/15th as it was a better fit for how i prefer to manage the budget. (not to mention salary style where any oddities hit the following payroll rather than hourly where those oddities hit the same cycle.)
I get paid monthly (and on time). And it's always for the same amount unless I just got a raise.
Let me just say that a lot of people around here are suddenly getting very frugal by the end of the month. Sometimes the whole last week. I've heard of people who make money by lending it to co-workers the last week of the month and charging interest.
I like it for record-keeping purposes. After getting my paycheck, I enter that into my checkbook (quaint, I know), then enter all the automatic payments that will come due. From that total, I subtract the amount I have charged on my credit cards so far and then I remove all the remainder except for $750 and put it in savings of some kind. (Either I'm refilling my savings account or moving the money to a high-interest savings account or moving it to investments.) I'm always hoping to move a big pile of money out of there, so I look forward to all this.
Then I go ahead and look up how much my investments are worth and calculate my net worth.
As a freelancer, I get paid 30-45 days after I invoice a project (and some of the projects I work on are 2 months or more in completing). It'd be a bit of a nailbiter if I were the sole income of the household! For budgeting purposes, it works out so that when the checks are coming in slowly, it subconsciously puts a throttle on our spending. And when the checks come in in big bunches, it's easier to move the sudden surplus to savings.
Used to be paid once per month, but am now paid once a week (and get 3 or four "extra" paychecks during the course of the year). I decided to treat the money as if I were getting paid only once per month, however - saving up four weeks at a stretch, then paying bills and such - so I don't get lazy with "oh, I can go ahead and get it now, I get paid this week!" So all my bills are paid in one swoop, and I give myself a lump sum cash allowance for work snacks and the like to last for a month. It's all a mind game, for sure, but it keeps me on fiscal track.
I use to work at walgreens for several years and it was great. Between the sales, coupons, rebate and my discount I never paid for anything. I still shop there every week for the free items that I can get and stock up on them. Free is my favorite word. I don't think I have paid for drug store items in years, well except perscriptions :)
Especially in those long, 31-day months where the 1st never seems to roll back around. Fortunately, I am now paid biweekly and I like it. With 26 paychecks a year, two months have three paycheck dates and monthly deductions do not occur (health insurance, etc.).
The article about the crazy, controlling father and husband was years ago. It dates back to the days when such things were in print, rather than on the web, and don't remember enough details to track it down.
Being a pensioner means, you guessed it . . . once a month pay. While we have numerous other sources of income, they all post - that's right - once a month. For extra fun, when my husband was active duty we always got paid not only twice a month (1st and 15th) but ON TIME! Now that's he's technically "retired", they have a habit of taking a few days extra, especially around holidays and weekends and such. But like the person above, we have reserves to roll with the punches. Kind of the pits that we have to, though. At least I think so. It's not like we didn't pay our dues.
I remember first hearing about the hyper-miling thing and being appalled. That guy uses techniques that make him a danger to himself and everyone else on the road.
Some of these bits of advice are good (don't start & stop too quick, leave yourself plenty of room, etc), but that guy just takes it way WAY too far.
Cooking Magazine websites ss. uch as Cook's Illustrated and Cook's Country often offer a new free recipe every week or so.
I get paid the last business day of each month. 12 equal paychecks throughout the year. It simplifies my life for the most part b/c I was able to get most of my billers to change my due dates to fall around the 1-2nd week of the month. I like being able to pay all the bills in one fell swoop. It CAN get tough rationing out my discretionary spending allowance for the entire month -- especially months like January when there are nearly 5 full weeks when there are typically only 4 most months.
Great post - and brilliant advice from Mr Spangler. I love reading interviews with these type of people. They have years of experience and mistakes, and they're never too proud to admit where they went wrong.
Number 9 hit a nerve with me. I am just having to readjust my projections for the coming year, because the last ones I did were completely unrealistic.
And it's not easy - probably because you don't want to get to the end and realise that if you'd been more accurate to start with, you might not have invested in that particular business.
I guess the learning never really stops. We just hope that our mistakes become fewer and less painful.
Another nice primer article, Nora.
My favorite recipe sites online are:
recipezaar, which has both a huge stockpile of recipes and can "drill down" to a very particular type of recipe with amazing granularity (by ingredients, appliance, time to make, dietary restrictions, cuisine, etc.), plus ratings and so on (the downside is that all this functionality makes it a slow process sometimes)
and
cooks.com, which has fewer features, but which is the quickest place to go with a very particular list of ingredients--a great aid to the frugalista trying to use up odds-n-ends, garden bonanzas, etc.
I guess so many people are buying Heather's ebook at Top_Secret_Money on e-bay.
Her e-book is the best I have ever seen.
I wish I had her talent to write and create the huge business success she makes for her customers.
I know deep down she's the most unstoppable force on ebay and her ebook even though it's new,will soon over take mine.
I wish you all the best Heather, you deserve it.
Kekoa64
How To Make $500 Daily,Using Heather's Secret Code The XXX60000
Heathers Web Site
I get paid weekly and absolutely love it!! First, it was a godsent when I first started at my current job. Second, I base my budget (and how much I save) on a 4 week month, every third month has a fifth Friday (and a fifth payday). That fifth paycheck goes straight to my debt, and is probably the biggest reason I've been able to pay off over $9000 in debt since June.
Some really great recipes, difficulty ratings, etc. Plus a lot of tips and information.
I have hit some recipes though that (if you cook a lot) were wrong--measurements, ingredients, etc.
Recipe source is a good one. I agree.
I recommend recipesource.com.
Here is a great website that will help you answer all the real tough interview answers.
http://www.tspractice.com
Oooo . . . oooo . . . I'm in. Be right there!
I'm gonna wander on over to the forums and start a recipe swap thread, if anyone's interested!
And, Myscha, I agree — Linsey does have some tasty treats!
but hubby's pay cycle & mine are a touch off from each other so we end up with a payday every week.
this has been useful for those occasions where life goes pear-shaped, but i actually liked and miss getting paid 1st/15th as it was a better fit for how i prefer to manage the budget. (not to mention salary style where any oddities hit the following payroll rather than hourly where those oddities hit the same cycle.)
I get paid monthly (and on time). And it's always for the same amount unless I just got a raise.
Let me just say that a lot of people around here are suddenly getting very frugal by the end of the month. Sometimes the whole last week. I've heard of people who make money by lending it to co-workers the last week of the month and charging interest.
I like it for record-keeping purposes. After getting my paycheck, I enter that into my checkbook (quaint, I know), then enter all the automatic payments that will come due. From that total, I subtract the amount I have charged on my credit cards so far and then I remove all the remainder except for $750 and put it in savings of some kind. (Either I'm refilling my savings account or moving the money to a high-interest savings account or moving it to investments.) I'm always hoping to move a big pile of money out of there, so I look forward to all this.
Then I go ahead and look up how much my investments are worth and calculate my net worth.
As a freelancer, I get paid 30-45 days after I invoice a project (and some of the projects I work on are 2 months or more in completing). It'd be a bit of a nailbiter if I were the sole income of the household! For budgeting purposes, it works out so that when the checks are coming in slowly, it subconsciously puts a throttle on our spending. And when the checks come in in big bunches, it's easier to move the sudden surplus to savings.
Used to be paid once per month, but am now paid once a week (and get 3 or four "extra" paychecks during the course of the year). I decided to treat the money as if I were getting paid only once per month, however - saving up four weeks at a stretch, then paying bills and such - so I don't get lazy with "oh, I can go ahead and get it now, I get paid this week!" So all my bills are paid in one swoop, and I give myself a lump sum cash allowance for work snacks and the like to last for a month. It's all a mind game, for sure, but it keeps me on fiscal track.
I use to work at walgreens for several years and it was great. Between the sales, coupons, rebate and my discount I never paid for anything. I still shop there every week for the free items that I can get and stock up on them. Free is my favorite word. I don't think I have paid for drug store items in years, well except perscriptions :)
. . . and I'm always up for a good recipe swap. One of the few "chain letter / email" things I'll participate in.
Good to have another food enthusiast on board! BTW, have you checked out any of Linsey's food posts? She's got some awesome ones, too.
Especially in those long, 31-day months where the 1st never seems to roll back around. Fortunately, I am now paid biweekly and I like it. With 26 paychecks a year, two months have three paycheck dates and monthly deductions do not occur (health insurance, etc.).
I'll keep it quiet, Myscha... unless you have any really good recipes to trade?
The article about the crazy, controlling father and husband was years ago. It dates back to the days when such things were in print, rather than on the web, and don't remember enough details to track it down.
Being a pensioner means, you guessed it . . . once a month pay. While we have numerous other sources of income, they all post - that's right - once a month. For extra fun, when my husband was active duty we always got paid not only twice a month (1st and 15th) but ON TIME! Now that's he's technically "retired", they have a habit of taking a few days extra, especially around holidays and weekends and such. But like the person above, we have reserves to roll with the punches. Kind of the pits that we have to, though. At least I think so. It's not like we didn't pay our dues.
Just my two cents.
I've had to start using those sources too, Thursday. Confession? I'm a total recipe slut. Don't tell anybody, OK?