I go to Pilates because I have to sign up in advance; once it's on my calendar I'm committed. I also have a pedal exerciser I got on Amazon that I use while I'm sitting on my couch if it was too cold to go outside for a run. Not the same but better than nothing!
Well, if you "always" get responses like "It won't let me", chances are it really won't let them. I highly doubt it is mere coincidence everyone responds with the same answer.
It's only common sense. But then again, common sense is not so common is it.
I could easily claim that people who lack common sense don't deserve to use the internet, but I would be incorrect. Everyone deserves to use the internet.
I have three ways to stay active during winter:
- I start my day with 15 minutes of exercises using the Sworkit app (30 seconds bodyweight exercise in random mode).
- I walk to the subway instead of taking the train (2 times 20 min).
- I joined a bootcamp training for the winter (once a week) and try to do some indoor sport (soccer at the moment).
I like the list, but this article would have been worthwhile to read had there been suggestions of alternative words to use. Perhaps a follow-up article would be helpful.
One of our biggest goals is to learn how to save with the little bit that we do have. We will do this by using coupons and getting better about watching sales at the grocery store, as that is where most of our money is spent.
Thanks for your inspiring comment! My side of the family actually doesn't exchange gifts for the holidays (for hoarding/OCD reasons) so we're always on the look out for fun family things to do instead during the holidays.
I think I'm going to see if I can use your wiffle ball idea with my husband's family and organize a family volleyball tournament. (They are California beach-y types).
Instead of giving small cheap toys for my nieces and nephews I invited them all to a post Christmas Wiffle ball game at an indoor facility. I provided the cost of admission, $10, snacks, juice water bottles and a special homemade chocolate snowflake lollipop for each child. Both parents and children had fun and all appreciated the January outing together.
1) I'm purging all but the 3boxes of ornaments decorations that decorate our home,
2) decluttering is my middle name in January and I'm still surprised how many people will still buy things from online yards ale sites even in January
3) just say no to buying
4) making homemade cards from an abundance of scrapbooking supplies then give them as gift sets to my busy mom sister in laws, who doesn't always need a last minute kids bday card
5)yes, I've begun handmades for December, ornaments, knit hats, slippers, especially during the winter sports season, being creative is relaxing
6). We don't have big travel plans with three active children but I'm starting the $5 savings challenge and hope to use it towards a 2015 Christmas gift to the theatre for my two daughters.
My Goal is to become more financial independent and reduce my credit card debt. To create a budget and stick to it, and to cut down on my food spending.
I just received an email from NetSpend saying that the card I just ordered had been sent, but I'd never even heard of them until that point which is when I started doing research and came across this article.
Did anyone else receive an email like this? Saying that you ordered a NetSpend card when you didn't?
You should not use your retirement funds for non-retirement needs unless it is an emergency and you have no other way to get the money you need. You should not pay off your debts, pay for your children's college or other costs unless your retirement nest egg is fully funded and secure. The closer you are to retirement the less likely that you will be able to replenish your retirement funds and the compounding lost from withdrawals. I recently read several pages and posts on retirement planning, investing and debt reduction on the site Retirement And Good Living. The site provides information on many retirement topics and has several retirement and health calculators.
As a knitter, I have to disagree with #12. Cheap clothes that are pill-prone do need to go, but some fine wools will have an initial period of pilling which slows over time, and all knits will pill some. (Having said that, I had a cheap merino sweater that pilled when I looked at it, and that I got rid of - better quality sweaters won't pill as much).
Yes. These tatics are sick. Remember, as a consumer you have the power... Don't buy it. Not sure why I am commenting on this. Because 100% of the things hobby lobby sells is not a basic necessity. You are shopping to do just that. Shop. So, if you really want to save money... The true savings is not spending your hard earned cash on that crap from china.
I walk on the track at the community center.
I go to Pilates because I have to sign up in advance; once it's on my calendar I'm committed. I also have a pedal exerciser I got on Amazon that I use while I'm sitting on my couch if it was too cold to go outside for a run. Not the same but better than nothing!
Well, if you "always" get responses like "It won't let me", chances are it really won't let them. I highly doubt it is mere coincidence everyone responds with the same answer.
It's only common sense. But then again, common sense is not so common is it.
I could easily claim that people who lack common sense don't deserve to use the internet, but I would be incorrect. Everyone deserves to use the internet.
I like to do yoga, and will work out indoors, but the dog still needs to go on a walk when the temperature drops!
I have three ways to stay active during winter:
- I start my day with 15 minutes of exercises using the Sworkit app (30 seconds bodyweight exercise in random mode).
- I walk to the subway instead of taking the train (2 times 20 min).
- I joined a bootcamp training for the winter (once a week) and try to do some indoor sport (soccer at the moment).
and definitely don't forget "definitely"!
I like the list, but this article would have been worthwhile to read had there been suggestions of alternative words to use. Perhaps a follow-up article would be helpful.
I would like to become a better meal planner. I want to eat healthy and save more on my groceries.
My goal for 2015 is to buy a new house
One of our biggest goals is to learn how to save with the little bit that we do have. We will do this by using coupons and getting better about watching sales at the grocery store, as that is where most of our money is spent.
Hi Colleen!
Thanks for your inspiring comment! My side of the family actually doesn't exchange gifts for the holidays (for hoarding/OCD reasons) so we're always on the look out for fun family things to do instead during the holidays.
http://www.wisebread.com/how-my-hoarder-family-saved-christmas
I think I'm going to see if I can use your wiffle ball idea with my husband's family and organize a family volleyball tournament. (They are California beach-y types).
To live more in the moment, instead of always thinking and planning ahead.
All of your points really hit home with me.
Instead of giving small cheap toys for my nieces and nephews I invited them all to a post Christmas Wiffle ball game at an indoor facility. I provided the cost of admission, $10, snacks, juice water bottles and a special homemade chocolate snowflake lollipop for each child. Both parents and children had fun and all appreciated the January outing together.
1) I'm purging all but the 3boxes of ornaments decorations that decorate our home,
2) decluttering is my middle name in January and I'm still surprised how many people will still buy things from online yards ale sites even in January
3) just say no to buying
4) making homemade cards from an abundance of scrapbooking supplies then give them as gift sets to my busy mom sister in laws, who doesn't always need a last minute kids bday card
5)yes, I've begun handmades for December, ornaments, knit hats, slippers, especially during the winter sports season, being creative is relaxing
6). We don't have big travel plans with three active children but I'm starting the $5 savings challenge and hope to use it towards a 2015 Christmas gift to the theatre for my two daughters.
Keep inspiring, love following you in NJ. Colleen
My Goal is to become more financial independent and reduce my credit card debt. To create a budget and stick to it, and to cut down on my food spending.
My goal is to get my son potty trained. I figure I can handle one goal and that is the most important thing I need to do.
I just received an email from NetSpend saying that the card I just ordered had been sent, but I'd never even heard of them until that point which is when I started doing research and came across this article.
Did anyone else receive an email like this? Saying that you ordered a NetSpend card when you didn't?
Pay off my husband's truck and half of our credit card debt. Total $12057 on a $41000 income.
You should not use your retirement funds for non-retirement needs unless it is an emergency and you have no other way to get the money you need. You should not pay off your debts, pay for your children's college or other costs unless your retirement nest egg is fully funded and secure. The closer you are to retirement the less likely that you will be able to replenish your retirement funds and the compounding lost from withdrawals. I recently read several pages and posts on retirement planning, investing and debt reduction on the site Retirement And Good Living. The site provides information on many retirement topics and has several retirement and health calculators.
I want to run my first 5k this year. I need to continue running daily and not lose sight of my goal.
are they pricey though?
If you're going to call yourself a writer, please learn how to spell. It's "sheer," not "shear" convenience. Jeez.
We take our tree down two weeks after New Years Day
As a knitter, I have to disagree with #12. Cheap clothes that are pill-prone do need to go, but some fine wools will have an initial period of pilling which slows over time, and all knits will pill some. (Having said that, I had a cheap merino sweater that pilled when I looked at it, and that I got rid of - better quality sweaters won't pill as much).
Yes. These tatics are sick. Remember, as a consumer you have the power... Don't buy it. Not sure why I am commenting on this. Because 100% of the things hobby lobby sells is not a basic necessity. You are shopping to do just that. Shop. So, if you really want to save money... The true savings is not spending your hard earned cash on that crap from china.
I suggest the Amazon Fire TV. The menus are fast and it has Netflix, Amazon Prime Streaming free vidoes, the voice-search is awesome.