I love that jewelry organizer too! I covered one of my old throw pillow with buttons. Sewing on all of the leftover buttons I had lying around was an easy way to make a dull pillow look a little fancier.
Sorry to hear about your experience. If you paid with a credit card, a good Plan B would be to contact your financial institution, which may be able to either contact Groupon on your behalf or dispute the charges.
I don't facebook or tweet. However, if you want to include our greatest financial achievements, here they are. Since 1978 (year we married), we bought, remodeled and paid for our first home in 8 years. In 1987, we were able to buy land, have our "dream home" designed and built. This home was paid off about 2000. During this time frame, we were also able to buy a modular home for an adult daughter, pay for my college degree (plus paying off spouse's six years of college loans) and saved for retirement. In short: GOOD MONEY MANAGEMENT AND CHOICES. Since 2009, we have begun remodeling our "dream home" by renovating both bathrooms, altering a large hall closet to be a small home office and converting a "junk room" into a bedroom by having a closet/organizer built in. Light fixtures have been updated as has most of the flooring. What did we give up: some (not all) restaurant meals; designer clothing; a few (not all) vacations; most theater movies; the latest technology (still don't have an ipad, ipod or iphone) and impulse buying. Oh I forgot! We've also had all windows and exterior doors updated and all interior doors remodeled to fit the current building code even though we didn't have to. What would I do over? I'd start EARLIER to save money and save as much as I possibly could and find a really good financial advisor.
I am still waiting to get refunded by Groupon. They have a 24 hour response time stated, but all I got was an email stating they were too busy to respond for 4 days straight, then nothing. I have emailed Groupon back and have yet to get a reply. Its no wonder their stock tanked a few days ago on the 'abnormal amount of refunds' the company is seeing. Get your cash back while this fly by night is still around.
My biggest finacial accomplishment so far has been paying 75.00 dollars on back taxes the IRS said I owed to them. This story is true and was only possible for me because #1, I didnt own any assets like a home or property and my bank accounts where week to week with half the time zeroed out. #2 Equally important I was a Union construction worker working in times when jobs were undermaned and a guy like me could freelance and jump from job to job on a whim or a warning. (self employed people/ independant contractors are also empowered in this case).
To say either #1 or 2 does not pertain to you would automatically eliminate you from being able to dismiss the IRS backtax totals. If you do fit ito this group as I did then you need to know the rules and be willing to accept what steps you can exspect to take and know the importance of the timeline. In my case what brought all this into my lap was the IRS agent who handled my audit from a previous year wanted me to supply proof of all my write-offs/business expenses and I had every record short of one overnight expense at an out of town hotel. I lost the receipt somehow but figured I could get a copy and informed the IRS I could get a copy and send it in. Well long story short I learned the hotel burned down and the owner didnt rebuild the hotel and sold the land so there was no copy to be had and I just said OH WELL no big deal the IRS can just change this amount and deduct it from the refund I was due that year for overpayment of tax.... at least that was my figureing and when I was sent a bill for taxes owed for that yearinsted of 1100 dollar refund I was told I was sent this bill because I didnt co-operate and supply the information asked for and as a result ALL 12,500 DOLLARS OF ITEMIZED DEDUCTIONS WHERE DISALLOWED! (because they could was what the officer handling my audit told me later)! So this became personal and I was super pissed at the bullying tactics and if there was one thing this Irish catholic could NOT tolerate it was a BULLY and I informed them I would not pay one dime of this bill EVER and told this officer he had just created a tax protester and told him I cant allow a bully to push me around as I know bully's keep on bullying as long as they think they can get away with it. My hands where tied in my mind and morally I felt an obligation to personally make sure this BS didnt happen to anyone else and to make sure his name was attached to every communique/letter/response/and legal manuver I was to make for as many years as it would take at whatever chance I could take at burning this man/bully/enemy to the american public that I could take. This is what percipitated my greatest financial accompolishment to date in my eyes and if your interested in learning the rest of the story then I will gladly send you THE RREST of the story!!, and never try to sell you anything or attempt to trick you out of any money like some lowlife sponge that feeds on the weakest of us americans without conscience or care.... no mame or sir it's just a true story of my war with the IRS and how I eliminated a 64,000.00 dollar back tax bill and how I was sent 2000 dollar refunds for overpaying my taxes three straight years even though they had a judgement/levy/order to attach 50% of any wages I would earn during those three years.
this is just true and it's interesting from my view and worth while to offer another voice about one mans battle with the mighty IRS and how he didn't back down one inch and fought the good fight and felt his path was just and this info is just part of the payback I was part of back in 1981 til 88 or 9. We use to fight bully's all the time when we were kids but my kids are exspected to never fight back/defend themselves and to just report to the teachers or principal who beat you and let them deal with these bully's in there own appropriate and PC ways. Screw this crap and see what a dinosaur like me does to big bad bully's and how delt with the biggest baddest bully of them all..
This is giving me flashbacks to a networking event I went to years ago where I hung out around the cheese plate the entire time because I knew, at the very least, that I could talk about cheese. It's good to have a few, uh...more professional lines to keep in the back pocket.
I really like the jewelry organizer idea. I've also seen people sew a few extra buttons onto shirts and sweaters to add a little bit of extra decoration.
I would say: "I would plan ahead both my work and my personal life to avoid any conflicts. Of course I can understand emergencies, and an emergency in both sides are important. But none your life or you job should be full of emergencies unless you are a doctor at the hospital. Otherwise something is worng with the company or with yourself!"
I especially can relate to point #4. The time it takes to deal with the coupon (cut it, carry it, remember to take it, check-out with it) just isn't worth it. Look at how much you make per hour, and then consider the time spent dealing with the coupon,. Chances are it's not worth it.
I agree. An occasional dollar or two is worth the entertainment value, and it gives me a chance to see how my fantasy goals line up with my real-life goals.
This is so wonderful to hear. May I ask, what changes have you made to your life since you did this list (1999) ? I need help badly and appreciate any advice you can give me.
I am 50 and have never really lived.
Thank you very much.
I had forgotten about warm milk with a peice of bread soaked in it, except my dad would put some cinnemon and sugar in it as well...that was breakfast! We had a dairy farm so we made homemade butter, better than anything you get in the store.
Great tips! Thanks so much. I've had my macbook pro for 5 years. Sadly, I still have leopard. I can't even update Safari. So this hip and trendy gal is really not feeling too hip:) I'm going to investigate your suggestions. Thanks so much.
As a programmer or working with plain text documents vim or emac editors can make a world of difference. There is a steep learning curve, but once you know it you can do so much faster. You can get vim plugins for everything including a browser.
Also, I find switching the Ctrl and CapsLocks keys helps me out a lot. I never use CapsLocks and it has prime real estate on my keyboard.
I love that jewelry organizer too! I covered one of my old throw pillow with buttons. Sewing on all of the leftover buttons I had lying around was an easy way to make a dull pillow look a little fancier.
Sorry to hear about your experience. If you paid with a credit card, a good Plan B would be to contact your financial institution, which may be able to either contact Groupon on your behalf or dispute the charges.
I don't facebook or tweet. However, if you want to include our greatest financial achievements, here they are. Since 1978 (year we married), we bought, remodeled and paid for our first home in 8 years. In 1987, we were able to buy land, have our "dream home" designed and built. This home was paid off about 2000. During this time frame, we were also able to buy a modular home for an adult daughter, pay for my college degree (plus paying off spouse's six years of college loans) and saved for retirement. In short: GOOD MONEY MANAGEMENT AND CHOICES. Since 2009, we have begun remodeling our "dream home" by renovating both bathrooms, altering a large hall closet to be a small home office and converting a "junk room" into a bedroom by having a closet/organizer built in. Light fixtures have been updated as has most of the flooring. What did we give up: some (not all) restaurant meals; designer clothing; a few (not all) vacations; most theater movies; the latest technology (still don't have an ipad, ipod or iphone) and impulse buying. Oh I forgot! We've also had all windows and exterior doors updated and all interior doors remodeled to fit the current building code even though we didn't have to. What would I do over? I'd start EARLIER to save money and save as much as I possibly could and find a really good financial advisor.
I am still waiting to get refunded by Groupon. They have a 24 hour response time stated, but all I got was an email stating they were too busy to respond for 4 days straight, then nothing. I have emailed Groupon back and have yet to get a reply. Its no wonder their stock tanked a few days ago on the 'abnormal amount of refunds' the company is seeing. Get your cash back while this fly by night is still around.
My biggest finacial accomplishment so far has been paying 75.00 dollars on back taxes the IRS said I owed to them. This story is true and was only possible for me because #1, I didnt own any assets like a home or property and my bank accounts where week to week with half the time zeroed out. #2 Equally important I was a Union construction worker working in times when jobs were undermaned and a guy like me could freelance and jump from job to job on a whim or a warning. (self employed people/ independant contractors are also empowered in this case).
To say either #1 or 2 does not pertain to you would automatically eliminate you from being able to dismiss the IRS backtax totals. If you do fit ito this group as I did then you need to know the rules and be willing to accept what steps you can exspect to take and know the importance of the timeline. In my case what brought all this into my lap was the IRS agent who handled my audit from a previous year wanted me to supply proof of all my write-offs/business expenses and I had every record short of one overnight expense at an out of town hotel. I lost the receipt somehow but figured I could get a copy and informed the IRS I could get a copy and send it in. Well long story short I learned the hotel burned down and the owner didnt rebuild the hotel and sold the land so there was no copy to be had and I just said OH WELL no big deal the IRS can just change this amount and deduct it from the refund I was due that year for overpayment of tax.... at least that was my figureing and when I was sent a bill for taxes owed for that yearinsted of 1100 dollar refund I was told I was sent this bill because I didnt co-operate and supply the information asked for and as a result ALL 12,500 DOLLARS OF ITEMIZED DEDUCTIONS WHERE DISALLOWED! (because they could was what the officer handling my audit told me later)! So this became personal and I was super pissed at the bullying tactics and if there was one thing this Irish catholic could NOT tolerate it was a BULLY and I informed them I would not pay one dime of this bill EVER and told this officer he had just created a tax protester and told him I cant allow a bully to push me around as I know bully's keep on bullying as long as they think they can get away with it. My hands where tied in my mind and morally I felt an obligation to personally make sure this BS didnt happen to anyone else and to make sure his name was attached to every communique/letter/response/and legal manuver I was to make for as many years as it would take at whatever chance I could take at burning this man/bully/enemy to the american public that I could take. This is what percipitated my greatest financial accompolishment to date in my eyes and if your interested in learning the rest of the story then I will gladly send you THE RREST of the story!!, and never try to sell you anything or attempt to trick you out of any money like some lowlife sponge that feeds on the weakest of us americans without conscience or care.... no mame or sir it's just a true story of my war with the IRS and how I eliminated a 64,000.00 dollar back tax bill and how I was sent 2000 dollar refunds for overpaying my taxes three straight years even though they had a judgement/levy/order to attach 50% of any wages I would earn during those three years.
this is just true and it's interesting from my view and worth while to offer another voice about one mans battle with the mighty IRS and how he didn't back down one inch and fought the good fight and felt his path was just and this info is just part of the payback I was part of back in 1981 til 88 or 9. We use to fight bully's all the time when we were kids but my kids are exspected to never fight back/defend themselves and to just report to the teachers or principal who beat you and let them deal with these bully's in there own appropriate and PC ways. Screw this crap and see what a dinosaur like me does to big bad bully's and how delt with the biggest baddest bully of them all..
joe hanlon
This is giving me flashbacks to a networking event I went to years ago where I hung out around the cheese plate the entire time because I knew, at the very least, that I could talk about cheese. It's good to have a few, uh...more professional lines to keep in the back pocket.
I really like the jewelry organizer idea. I've also seen people sew a few extra buttons onto shirts and sweaters to add a little bit of extra decoration.
Same to you!
Tweeted a response. https://twitter.com/#!/1bets1/status/187947859373588480
I would say: "I would plan ahead both my work and my personal life to avoid any conflicts. Of course I can understand emergencies, and an emergency in both sides are important. But none your life or you job should be full of emergencies unless you are a doctor at the hospital. Otherwise something is worng with the company or with yourself!"
I especially can relate to point #4. The time it takes to deal with the coupon (cut it, carry it, remember to take it, check-out with it) just isn't worth it. Look at how much you make per hour, and then consider the time spent dealing with the coupon,. Chances are it's not worth it.
How would you modify this recipe (liquid fertiler) for bahia lawn west central Florida ?
I agree. An occasional dollar or two is worth the entertainment value, and it gives me a chance to see how my fantasy goals line up with my real-life goals.
Thanks! Happy Easter!
Here's my tweet!
https://twitter.com/#!/wealthyzen/status/187867047508709377
This is so wonderful to hear. May I ask, what changes have you made to your life since you did this list (1999) ? I need help badly and appreciate any advice you can give me.
I am 50 and have never really lived.
Thank you very much.
Continued success and happiness to you!
I've saved up more than what I make in a year in my ROTH, savings, 401ks!
SpringCoin was really easy to join. Really impressed so far with the features. Thanks for the tip.
I got that card today and have the same feeling....
I had forgotten about warm milk with a peice of bread soaked in it, except my dad would put some cinnemon and sugar in it as well...that was breakfast! We had a dairy farm so we made homemade butter, better than anything you get in the store.
Yeah impulse buying is a real drag! Great advice!!
Building a modest emergency fund. Still working on getting it to a level where I'd feel secure if I lost my job.
Great tips! Thanks so much. I've had my macbook pro for 5 years. Sadly, I still have leopard. I can't even update Safari. So this hip and trendy gal is really not feeling too hip:) I'm going to investigate your suggestions. Thanks so much.
As a programmer or working with plain text documents vim or emac editors can make a world of difference. There is a steep learning curve, but once you know it you can do so much faster. You can get vim plugins for everything including a browser.
Also, I find switching the Ctrl and CapsLocks keys helps me out a lot. I never use CapsLocks and it has prime real estate on my keyboard.
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