I am not creative, so i dont know what to call my book. Something like "isn't there another way?"
it would pick up where personal finance 101 lets off. it would not really discuss investing in a 401K or CDs. It would delve more into stepping off the beaten path, but look at multiple options in good detail.
something to provide enough basic detail to get someone started, without focusing too much on any one avenue.
discussing lifestyle design and how one can design their retirement investments as well. achievement of balance.
Mine would be called "Shopping Around - Never Pay More Than You Have To"
Comparison shopping has been ingrained in me from a very young age and ensuring value on every purchase was something my mother really pushed back when times were tougher.
Today's hyperconnected world where all the competitors are, to use a horrid cliche, only a click away, it simply makes no sense to pay the first price you see for something.
I think the story gets interesting when you start to rationalize why cheaper isn't always better even for the same article. For example, factoring in the convenience, experience, and peace-of-mind when buying from Amazon.com instead of BillyBob'sBookEmporium.info.
Years ago my husband and I moved to Missouri to some owner financed land we found by searching a nation wide real estate listing book. We had determined that this was where more cattle could be run on less acreage than any where else. The land only had a well on it.
Years later we own 949 acres of grasses, valuable walnut, white and red oak timber, barns and a beautiful 4000 sq foot home on the land.
I would love to show you how to do something like this. Keep in mind it does not involve living with the attitude "I want it all now." but the rewards are great.
"Voting With Your Two Cents: How Every Penny Earned Can Bring About The Change You Want To See"
I've been frugally minded ever since my daughter was born and I learned just how much those diapers, wipes, formula, bottles, and creams would add up to be. It's only recently that I've tried to find deals that would benefit others in addition to myself. Back to school sales can be great finds for school & nature center donations. CVS & Walgreens personal care products can be donated to shelters for battered women and people who have lost their homes. There are always deals to be found at the local farmers market or the CSA. If that's not around then just buy direct from the farmer and see the conditions your food is coming from. You can find sales on organic foods then combine coupons, bringing prices down below generic non-organic brands.
The way I see it my dollars and change can do double duty. They can be spent frugally and mindfully while serving even greater purposes. Every little bit counts.
Actually living on less is challenging. Not only will you save more money living on less, but by becoming accustomed to it, you'll be better prepared to retire.
Not many people are going to be able to retire the way people live today.
If you AREN'T Watching your Money, Someone Else Gladly Will
We were defrauded out of 200,000 and we are continuously seeing similar fraudsters out there trying to do the same to others. We take full responsibility because if we had been more discerning we would have seen there was more veneer than substance.
"Following Grandma's Footsteps"
My dad's parents grew up during the depression and learned frugality and money management as basically a survival skill. They passed those skills on to Dad who, in turn, passed those skills on to me. Maybe it goes back farther than that. I didn't know my great grandmother as well other than to know that she loved chocolate, drank her coffee black and finally decided to die mostly because she got bored.
My bete noir is the "decide on this later" pile. Should I renew my membership to the local Arts and Sciences museum? How 'bout the bagel coupons? Will I use them? And the notice from the health insurance -- I need to call and find out why they won't pay the shrink. There just seems to be no good way to control that mess.
Oh, and don't forget the cheap stuff from the happy meals. I swear it reproduces.
I made a mess of my finances when I was in my thirties, but have carefully rebuild my credit and managed to set aside some savings, too. I actually have a good credit score now. So, mine would be called "Back from the Brink."
You would be saving a lot more if you learned to live off your lowest earnings.
So in your example, if you learned to live off on $1800 a month (assuming you already save 10%) and save everything more than that, then you would be in a better position.
You are a crazy woman! Sure in an ideal world.
BEFORE the recession and the loss of so many jobs and retirement accounts this was a reality.
Now there are many of us(entire families) that are living on less than $20,000 a year! Our retirements are gone and we can barely pay our monthly mortgage and living expenses.
We come to this website for good advice on how to survive it, not to be shown what we no longer have by those that remain the "haves" in our society today.
Why not figure out how to help the "have nots" in a real and timely fashion and write about THAT!
This is what is truly needed in this messed up economy of today!
When you are finally ready to give up your clunker, please consider donating it to charity. You'll get a tax deduction and the charity will get the proceeds from its sale.
My book would be called "IRA - I'm Ready for Anything. Being a teen with a retirement account."
It'd be about how I learned to save prior to going to college and how I managed to build my net worth and portfolio throughout college and early professional years.
Greenswitch doesn't allow posting of pricing online, but if you would like to purchase Greenswitch products we are an authorized distributor for Greenswitch and can sell/ship products to you. For a price quote please email doug@eaglerockenergyproducts.com
Both of my roommates failed out of the last college that I attended leaving me stranded in a home with two open rooms and barely enough money to get by before that after being cut from my job waiting tables since it was the off season. Wow long run on sentence there.
What this taught me however was first really determining what I need and what is just material that I can do without. It was painful for a while not going out with friends but I got really involved in Brazilian Jiu-Jitsu and found myself going to practice on Friday night rather then out to the bars.
More importantly however, I learned that these unexpected things can happen in life and its best to be prepared for anything. Since my experience I have set up a private emergency fund that I deposit into every week for the next curveball that life throws me. Unlike the Dos Equis most interesting man in the world though I am saving it for a rainy day.
Being a college student my dormitory always seemed to be filled with more clutter then I could imagine. It was absolutely necessary that I keep the things but didn't know what to do with it. When I moved out and into a home I found that I had so many things that I didn't need it was awful.
But in retirement costs like clothing and professional attire disappear. There are a lot of costs associated with working.
"Socially Libera, Fically Conservative". I don't believe that the two are mutually exclusive.
I am not creative, so i dont know what to call my book. Something like "isn't there another way?"
it would pick up where personal finance 101 lets off. it would not really discuss investing in a 401K or CDs. It would delve more into stepping off the beaten path, but look at multiple options in good detail.
something to provide enough basic detail to get someone started, without focusing too much on any one avenue.
discussing lifestyle design and how one can design their retirement investments as well. achievement of balance.
"My Frugal Tips" by Carole
Mine would be called "Shopping Around - Never Pay More Than You Have To"
Comparison shopping has been ingrained in me from a very young age and ensuring value on every purchase was something my mother really pushed back when times were tougher.
Today's hyperconnected world where all the competitors are, to use a horrid cliche, only a click away, it simply makes no sense to pay the first price you see for something.
I think the story gets interesting when you start to rationalize why cheaper isn't always better even for the same article. For example, factoring in the convenience, experience, and peace-of-mind when buying from Amazon.com instead of BillyBob'sBookEmporium.info.
Years ago my husband and I moved to Missouri to some owner financed land we found by searching a nation wide real estate listing book. We had determined that this was where more cattle could be run on less acreage than any where else. The land only had a well on it.
Years later we own 949 acres of grasses, valuable walnut, white and red oak timber, barns and a beautiful 4000 sq foot home on the land.
I would love to show you how to do something like this. Keep in mind it does not involve living with the attitude "I want it all now." but the rewards are great.
We are never out of money as long as we have ink and paper!
"Voting With Your Two Cents: How Every Penny Earned Can Bring About The Change You Want To See"
I've been frugally minded ever since my daughter was born and I learned just how much those diapers, wipes, formula, bottles, and creams would add up to be. It's only recently that I've tried to find deals that would benefit others in addition to myself. Back to school sales can be great finds for school & nature center donations. CVS & Walgreens personal care products can be donated to shelters for battered women and people who have lost their homes. There are always deals to be found at the local farmers market or the CSA. If that's not around then just buy direct from the farmer and see the conditions your food is coming from. You can find sales on organic foods then combine coupons, bringing prices down below generic non-organic brands.
The way I see it my dollars and change can do double duty. They can be spent frugally and mindfully while serving even greater purposes. Every little bit counts.
Actually living on less is challenging. Not only will you save more money living on less, but by becoming accustomed to it, you'll be better prepared to retire.
Not many people are going to be able to retire the way people live today.
The Decide Later Pile--my achilles heal and the biggest stack on the desk! The problem with that pile is deciding how much later is later...
If you AREN'T Watching your Money, Someone Else Gladly Will
We were defrauded out of 200,000 and we are continuously seeing similar fraudsters out there trying to do the same to others. We take full responsibility because if we had been more discerning we would have seen there was more veneer than substance.
"Following Grandma's Footsteps"
My dad's parents grew up during the depression and learned frugality and money management as basically a survival skill. They passed those skills on to Dad who, in turn, passed those skills on to me. Maybe it goes back farther than that. I didn't know my great grandmother as well other than to know that she loved chocolate, drank her coffee black and finally decided to die mostly because she got bored.
My book would be called Frugal Wealth.
That pretty much sums it up.
My bete noir is the "decide on this later" pile. Should I renew my membership to the local Arts and Sciences museum? How 'bout the bagel coupons? Will I use them? And the notice from the health insurance -- I need to call and find out why they won't pay the shrink. There just seems to be no good way to control that mess.
Oh, and don't forget the cheap stuff from the happy meals. I swear it reproduces.
I made a mess of my finances when I was in my thirties, but have carefully rebuild my credit and managed to set aside some savings, too. I actually have a good credit score now. So, mine would be called "Back from the Brink."
"Will work for money" because I'm looking for a job! ;)
You would be saving a lot more if you learned to live off your lowest earnings.
So in your example, if you learned to live off on $1800 a month (assuming you already save 10%) and save everything more than that, then you would be in a better position.
Give us something more challenging.
You are a crazy woman! Sure in an ideal world.
BEFORE the recession and the loss of so many jobs and retirement accounts this was a reality.
Now there are many of us(entire families) that are living on less than $20,000 a year! Our retirements are gone and we can barely pay our monthly mortgage and living expenses.
We come to this website for good advice on how to survive it, not to be shown what we no longer have by those that remain the "haves" in our society today.
Why not figure out how to help the "have nots" in a real and timely fashion and write about THAT!
This is what is truly needed in this messed up economy of today!
My book would be called Dealing with Professional School Debt. Sounds really dull, but that's my life in a nutshell for you.
When you are finally ready to give up your clunker, please consider donating it to charity. You'll get a tax deduction and the charity will get the proceeds from its sale.
My book would be called "IRA - I'm Ready for Anything. Being a teen with a retirement account."
It'd be about how I learned to save prior to going to college and how I managed to build my net worth and portfolio throughout college and early professional years.
Greenswitch doesn't allow posting of pricing online, but if you would like to purchase Greenswitch products we are an authorized distributor for Greenswitch and can sell/ship products to you. For a price quote please email doug@eaglerockenergyproducts.com
Both of my roommates failed out of the last college that I attended leaving me stranded in a home with two open rooms and barely enough money to get by before that after being cut from my job waiting tables since it was the off season. Wow long run on sentence there.
What this taught me however was first really determining what I need and what is just material that I can do without. It was painful for a while not going out with friends but I got really involved in Brazilian Jiu-Jitsu and found myself going to practice on Friday night rather then out to the bars.
More importantly however, I learned that these unexpected things can happen in life and its best to be prepared for anything. Since my experience I have set up a private emergency fund that I deposit into every week for the next curveball that life throws me. Unlike the Dos Equis most interesting man in the world though I am saving it for a rainy day.
Being a college student my dormitory always seemed to be filled with more clutter then I could imagine. It was absolutely necessary that I keep the things but didn't know what to do with it. When I moved out and into a home I found that I had so many things that I didn't need it was awful.
I find the one at my local fair really easy and I win almost every time. once I picked up 4 at once and that's no joke!