Another good tip while you're talking on the phone is, to smile. :) Interviewers can hear the smile in your voice, and they will notice you're happy and excited about working with them.
Always buying used cars, gradutating college with money in the bank, and paying off my first home in less than 7 yrs. I did all this before Dave Ramsey came along...
Yes, much more sanitary to DIY! Although I don't know anyone who has personally contracted any infections from a salon, the idea of using other people's nail tools does skeeve me out a bit.
I will admin that most salons do a MUCH better job than I can ever hope to, especially on my fingernails, which are a challenge. :)
It's interesting to note that once the lottery is large enough *statistically* it is a good wager. For the mega millions that number is somewhere around 280 million. What I mean by this is the "expected value" of your ticket is greater than $1 at that point. And what that means is that if you were to play the lottery millions and millions of times, you'd expect to get back more than the money you put in. Of course at just 2 drawings/week you could never play that many times...
It's still a hell of a longshot, but mathematically there's a tipping point where it's a realistic "waste" of a dollar or two.
As a comparison in a simple game - say roulette, betting a single number pays 35-1, but there are 37 numbers - so the expected value of a dollar is 35/37 - play 37000 times and you'd likely end up with 35000 out of your originally bet 37000 dollars.
Personally I can afford to play if I want, but I've probably only bought lotto tix maybe 6 times in the past decade. There's a reason they call the lottery a tax on poor people.
Rebel,
If you are making a mash with grain, yes, you will have to toss some out. Pull off about half a cup at a time. You can tell from the smell. If it smells really bad, toss it. We are talking acetone smells. Once it stops smelling bad, then taste it. It will taste sweet and good. Save that. Collect in cups. Keep it in order so you know when the bad stuff starts. The bad stuff will give you hangovers but it also gives you flavour. You will need to mix some back in to give the flavours you want.
Personally I think doing a manicure at home is much better than going to a salon. Not only is it cheaper, but it is more sanitary. The tools used are not used for anyone else and you know how they are cleaned. Sounds like a win-win!
Unfortunately, I recently graduated college and have lots of debt that I would like to get down. My biggest accomplishment has been establishing a budget and sticking to it while Im under-employed. Next I hope to find a job in my field that allows me to save a big and throw more at my debt.
Our (myself & husband of 18 yrs.) biggest financial accomplishment has been being on the SAME PAGE together for all these years (we are 39 & 42 with one child). We have 2 BAs and an MS between us and finished college with about $10K in loans that were paid off by 1998. We haven't paid a dime of interest on consumer credit since 1999. We buy our cars cash and our primary home was paid off in 2009.
you can also use cashback portals like mr rebates. get cashback at thousands of online stores and get a $5 bonus to sign up (all thats needed is an email), check it out- http://www.mrrebates.com?refid=648290
What Is Your Biggest Financial Accomplishment?
My biggest financial accomplishment: 20 years ago, my husband left me with 3 children, a house note, a new car note, and almost zero bank account, credit card debt, and taxes on land and house. Lost my part time job- when I stressed out, and old back injury put me in bed. I called credit card company, and offered to pay them $10.00 a month-they agreed. I took the new car to my husband,and took the old Nissan truck from him which was paid for. I still had an old yellow car in my driveway, so I had to pay car insurance on 2 vehicles. My back got better, and I asked my accountant/cpa if he knew someone who needed their house cleaned....he hired me to clean his 2 story home.
I signed up for food stamps until I found a full time job, called the bank and deferred my house note each month - explaining my delimma - each month it was deferred. Put all my cash (from the part time job) in envelopes, and lived on that cash- even had enough extra to buy the children a "special" treat at Poncho's buffet "to go" - 5 tacos for $1.00-(year was 1991) I bought 15 tacos for the 3 children, went to the Arboretum park, and had a great time every weekend for 3-6 months until I found full time employment.
I kept my promise to my oldest daughter, and was able to get her in a great University her freshman year, along with her scholarship and workschool - she did her part also. She paid her own insurance, and her fuel in her little truck I passed on to her...an old Nissan still running when her father left.
My sister-in-law babysit my youngest child, and I asked my friends at church and neighbors with boys and fathers if my son could hang out with them....they practically help me raise my son.
My oldest daughter graduated with honors, and was "Who's Who" 3 years in a row. She left the university and attended a smaller private college, which she paid for by working full time. She also paid for her car insurance and fuel, and food and clothes.
I purchased my career wardrobe at the "FireSale" Markdown Store...where big stores like Macey's and Dillards sell their old line of clothing for bottom dollar....I searched magazines for the latest styles, and accessorized...My new slim figure (less food for mom to eat), gave me a great look! There are some benefits for having little food to eat...(Hey, America, we eat too much!)
I kept praying and asking God to open a door for me for a full time job with benefits.
My food stamp worker, Caroline, listened as I told her how grateful I was for the foodstamps. However, I pefer to work for my food. She then pulled 12 applications off the wall and handed them to me to complete with the State of Texas. Six weeks later I was hired and I've been there 20 years now.
God is good, and He gave me good sense to be smart and spend wisely.
The envelope system worked for me, and I was able to pay all my bills off eventually. I even was able to sell my house for 2 x the price I paid for it!
I got my divorce, and I am now happily re-married for 16 years.
My children are stronger and wiser and see their mom as a fighter and a very smart lady.
I am stronger, and a lot smarter now....I save, save, save!!!!!
Processed Passover food is expensive and usually unhealthy (cottonseed oil! terrible.). So cook with fresh fruits and vegetables, eggs, simple dairy products, and extra virgin olive oil. Cheaper, healthier, better tasting. Chag Sameach!
Thanks for mentioning our guest article from Andrea Woroch!
Another good tip while you're talking on the phone is, to smile. :) Interviewers can hear the smile in your voice, and they will notice you're happy and excited about working with them.
Always buying used cars, gradutating college with money in the bank, and paying off my first home in less than 7 yrs. I did all this before Dave Ramsey came along...
Yes, much more sanitary to DIY! Although I don't know anyone who has personally contracted any infections from a salon, the idea of using other people's nail tools does skeeve me out a bit.
I will admin that most salons do a MUCH better job than I can ever hope to, especially on my fingernails, which are a challenge. :)
Love these. I have been confused about the safety of toys in the stores too. http://www.humanesociety.org/animals/dogs/tips/dog_toys.html (still a bit vague) Tips to reliable information about safety of toys would be great.
It's interesting to note that once the lottery is large enough *statistically* it is a good wager. For the mega millions that number is somewhere around 280 million. What I mean by this is the "expected value" of your ticket is greater than $1 at that point. And what that means is that if you were to play the lottery millions and millions of times, you'd expect to get back more than the money you put in. Of course at just 2 drawings/week you could never play that many times...
It's still a hell of a longshot, but mathematically there's a tipping point where it's a realistic "waste" of a dollar or two.
As a comparison in a simple game - say roulette, betting a single number pays 35-1, but there are 37 numbers - so the expected value of a dollar is 35/37 - play 37000 times and you'd likely end up with 35000 out of your originally bet 37000 dollars.
Personally I can afford to play if I want, but I've probably only bought lotto tix maybe 6 times in the past decade. There's a reason they call the lottery a tax on poor people.
Rebel,
If you are making a mash with grain, yes, you will have to toss some out. Pull off about half a cup at a time. You can tell from the smell. If it smells really bad, toss it. We are talking acetone smells. Once it stops smelling bad, then taste it. It will taste sweet and good. Save that. Collect in cups. Keep it in order so you know when the bad stuff starts. The bad stuff will give you hangovers but it also gives you flavour. You will need to mix some back in to give the flavours you want.
Personally I think doing a manicure at home is much better than going to a salon. Not only is it cheaper, but it is more sanitary. The tools used are not used for anyone else and you know how they are cleaned. Sounds like a win-win!
Unfortunately, I recently graduated college and have lots of debt that I would like to get down. My biggest accomplishment has been establishing a budget and sticking to it while Im under-employed. Next I hope to find a job in my field that allows me to save a big and throw more at my debt.
Paying off my mortgage.
Our (myself & husband of 18 yrs.) biggest financial accomplishment has been being on the SAME PAGE together for all these years (we are 39 & 42 with one child). We have 2 BAs and an MS between us and finished college with about $10K in loans that were paid off by 1998. We haven't paid a dime of interest on consumer credit since 1999. We buy our cars cash and our primary home was paid off in 2009.
Have you checked here? http://www.lastminutecruises.com/
I "Liked" Wisebread on my FB account.
I paid off my first credit card bill this past week!! Over $700 to Dell is gone!
I also like you of Facebook.
Paying off my mortgage which means that I am now debt free. Starting this month all of the house payments now go to my retirement savings.
you can also use cashback portals like mr rebates. get cashback at thousands of online stores and get a $5 bonus to sign up (all thats needed is an email), check it out- http://www.mrrebates.com?refid=648290
i like wisebread on fb
tweeted https://twitter.com/#!/oshkoshbgosh123/status/187363090432659456
remaining debt free is my biggest financial accomplishment
What Is Your Biggest Financial Accomplishment?
My biggest financial accomplishment: 20 years ago, my husband left me with 3 children, a house note, a new car note, and almost zero bank account, credit card debt, and taxes on land and house. Lost my part time job- when I stressed out, and old back injury put me in bed. I called credit card company, and offered to pay them $10.00 a month-they agreed. I took the new car to my husband,and took the old Nissan truck from him which was paid for. I still had an old yellow car in my driveway, so I had to pay car insurance on 2 vehicles. My back got better, and I asked my accountant/cpa if he knew someone who needed their house cleaned....he hired me to clean his 2 story home.
I signed up for food stamps until I found a full time job, called the bank and deferred my house note each month - explaining my delimma - each month it was deferred. Put all my cash (from the part time job) in envelopes, and lived on that cash- even had enough extra to buy the children a "special" treat at Poncho's buffet "to go" - 5 tacos for $1.00-(year was 1991) I bought 15 tacos for the 3 children, went to the Arboretum park, and had a great time every weekend for 3-6 months until I found full time employment.
I kept my promise to my oldest daughter, and was able to get her in a great University her freshman year, along with her scholarship and workschool - she did her part also. She paid her own insurance, and her fuel in her little truck I passed on to her...an old Nissan still running when her father left.
My sister-in-law babysit my youngest child, and I asked my friends at church and neighbors with boys and fathers if my son could hang out with them....they practically help me raise my son.
My oldest daughter graduated with honors, and was "Who's Who" 3 years in a row. She left the university and attended a smaller private college, which she paid for by working full time. She also paid for her car insurance and fuel, and food and clothes.
I purchased my career wardrobe at the "FireSale" Markdown Store...where big stores like Macey's and Dillards sell their old line of clothing for bottom dollar....I searched magazines for the latest styles, and accessorized...My new slim figure (less food for mom to eat), gave me a great look! There are some benefits for having little food to eat...(Hey, America, we eat too much!)
I kept praying and asking God to open a door for me for a full time job with benefits.
My food stamp worker, Caroline, listened as I told her how grateful I was for the foodstamps. However, I pefer to work for my food. She then pulled 12 applications off the wall and handed them to me to complete with the State of Texas. Six weeks later I was hired and I've been there 20 years now.
God is good, and He gave me good sense to be smart and spend wisely.
The envelope system worked for me, and I was able to pay all my bills off eventually. I even was able to sell my house for 2 x the price I paid for it!
I got my divorce, and I am now happily re-married for 16 years.
My children are stronger and wiser and see their mom as a fighter and a very smart lady.
I am stronger, and a lot smarter now....I save, save, save!!!!!
Processed Passover food is expensive and usually unhealthy (cottonseed oil! terrible.). So cook with fresh fruits and vegetables, eggs, simple dairy products, and extra virgin olive oil. Cheaper, healthier, better tasting. Chag Sameach!
I think that this site is great and reminds me of mint.com
So far it has been me getting serious about finances and deciding to get out of debt not accept it.
Finally saving enough to purchase a house and have emergency funds.