I"m hoping to retire within the next couple of years, so in addition to the money I am saving in retirement accounts I am building up my cash and taking care of projects around the house.
I like the first point and it is something i have been thinking about for a while. Each month i can't help but worry about how much i spend eating out or ordering food. I have been planning to learn coooking for a while.
I read your blog at first time and it is very useful. Because I am a student so I need every tips how to save money. I like that tips "Start an emergency fund" and I am pretty sure that I will start that :). Also the tip number 12 was funny idea and very usable. I think that if people try those things they will seem, how easy is to save money.
Your blog was nice and I will read that in future.
Thank you for informing us not to park our money in bonds. It is a wise idea if you will convert your bonds into cash and invest them in ROTH IRA or directly in the stock market. For potential maximum growth.
Its not just cashews that have toxins, but peanuts have them too - its a cancer causing toxin in peanuts called aflatoxin. Cashews (I read have this too but can't confirm at this time) have urushiol which is the chemical found in poison Ivy/oak so they must be subjected to high heat (steaming) before sold, they aren't actually ever really 'raw'. And Almonds are actually seeds, not nuts that have cyanide and have to undergo the high heat as well to be safe to consume. While were on this, don't eat green potatoes or their sprouts either... just a heads up! Hope this helps. :-)
Two incidents came to mind as I read this excellent blog. One was when I took my friend J for an interview with a company that advertised they were looking for men and women who were good at meeting the public, had a high school diploma or GED and lived in the city in which the job was located. The ad said that you could make "Up to $5,000 a month."Nothing about what the potential employee was required to do at the job But J was desperate. his current mode of transportation was a bicycle so he put on his best suit, combed back his hair and looked pretty reasonable and employable. However, I told him it was probably not a good job match for him. I said that it sounded like a scam. He told me to shut up. I shut up. We came to the impressive office building. There were several meaningless names on the name plate of those sharing the office he was supposed to go to. I stayed in the car and listened to the latest terrorist attack reports on the news. J sat through an interview and a video presentation, as he later reported to me. The company was hiring 25 people to sell kitchen knives door to door with the fantastic offer that each salesman would keep up to 50% of the sales take. "Whoopee!" I said. "So if you sell 10 knives a month at $5.00 a knife, you make $25 a month." We sat in silence. "How many knives do they say you can sell in a month?" He told me to shut up. I shut up.
The second trip down the memory lane of job hunting was when I, like J was desperate and took a drive 20 miles to the other side of town to interview for a job in public relations. Now, I am very good with people, always have been. I also do part time work online as a transcriber, adviser, blogger, and any number of things that require writing and having the public actually read what I write. So I was off to see the Wizard of Jobs. The office was in a strip mall and was called For Rent of Lease. I should have broken the sound barrier and speed limit getting away from the place but I was desperate so I entered. There were quite a few old card tables with some plastic chairs and professionally hand written signs saying, "Please sit and fill out forms." I pile of forms stacked on the card tables were apparently what the signs were referring to. I filled out the forms, attached my neatly printed out resume to the forms and went into the HR area which was next to the bathroom area and a leaky and noisy air conditioning unit that leaked into the office as well as outside the office. The HR head was pregnant and wore bedroom slippers. She told me that I would be next for an interview.
I peeked into a larger room near the leaky air conditioning unit and saw vacuum cleaners lined up all along the walls. I didn't have a clue. I was so desperate I would have stood on street corners selling shares in the Brooklyn Bridge at that point. And that's what they wanted. Not shares in the Brooklyn Bridge but door-to-door vacuum cleaner salespeople. I said that I expected that I was over-qualified or under-qualified or not at all qualified and hoofed it out of thereon the double.
I have since found a full time job in customer service and, well, you don't want to know...But at least I make an hourly wage so I can once again feed stray cats and myself.
I would also add Drive/Focus to that list, if an individual is focused mentally and driven that will also greatly help in the pursuit of riches. Money and greatness comes to the people who take action.
absolutely. my husband is disabled and with the cost of meat at a insane price, there is no money left after bills and misc. items and what the gov gives in food stamps is not enough to buy meat or much of anything really, so we hunt and fish. this is 100% of our meat. we have not had store bought meat in 4 yrs. so yes, you can survive on wild game. remember, people lived off wild meat long before grocery stores. its not expensive to hunt. the biggest expence is the license, you need one weapon, and a knife for skinning. that's it. remember you are in it for food not sport.
It's actually a very normal, even creative thing to do. Great painters do not just see a tiny piece of the painting they want to paint. They see the whole completed work of art. But they can't do the whole thing in a day or even in the time that it took to create the image in their mind. So they start with the sky. Add a cloud, add a barn, add a cow, etc..
Do see your entire goal, the one you want to achieve. Do you want to be a millionaire by the time you are 40 and you are 20 now. It is not unrealistic to work towards that goal. You may not achieve it entirely, but you may have a nice hefty savings account by the time you are 40 if you save say $5.00 a day for 20 years. You will have over $36,000. Well, it's not a million but it's a new car, or a down payment on a reasonable home for you and a spouse. Just think if everyone saved $5.00 or $10 a day from the time they were 20 years old, every day, little by little. There would be enough for those life disasters like the car keeling over and refusing to start ever again, like your mom needing an operation and not having insurance, like almost anything. And you continue to save, save, save in little amounts.
I just to try to clean the entire 10 room house in a day. Whew. I was a total failure and began to simply not try. Then I discovered that if I cleaned a room a day, I could finish the whole house in less than two weeks. Then I would put the house on maintenance and clean what had gotten messy. Once a month I would take a week to clean more thoroughly. It became quite a pleasure. Music, on mop in hand.
So do visualize your entire goal, whether it's to stop smoking one cigarette less a day or to lose weight, 300 calories less a day,it adds up and soon you will be smoking only two cigarettes a day and have your caloric intake down to about 1000 a day.
I forgot all these good abilities I have to accomplish what my grand plans a drop at a time so thanks for your comment. It reminded me. I am going to go and clean one drawer in my very cluttered dresser right now.
Any "boudoir" shots of the spouse. I don't care if your wife was higlighted in the 1996 "Girls of State Colleges" pictoral, it does not belong at work.
2015 is our year to pay off those pesky student loans! While I earn a biweekly salary, my husband earns a decreasing salary and fluctuating monthly commissions. Our plan is to live off of our salaries and use his commissions to pay off $11,800 in student loans. I divided the P+I into 12 monthly payments and resulted in a reasonable commissions goal.
By Jan. 2016 we should have eliminated our student loans and have only a $3,000 car loan to tackle. Cheers to everyone and their goals!
- Help my husband get at least two YouTube videos done to publicize Charlemagne Beard Oil.
- Clean out my art/craft/sewing studio and make it functional!
- Organize and add keywords to my 15,000+ photos on my new iMac
- Get Dad's website up and running for his custom furniture business
- Grow 200 pounds worth of food this summer
Nothing about $ this year--I've been thinking about it too much as it is! (Ok, get the mortgage to half-way done.)
I use low balance Visa gift cards to make partial payments to my cell phone bill.
To think, speak and live more positively.
For what it's worth, and with all due respect, I couldn't care less about this noise. Word!
Are you from Ecuador? I was born in Guayaquil but I left when I turn 20. I'm currently living in Hawaii.
I"m hoping to retire within the next couple of years, so in addition to the money I am saving in retirement accounts I am building up my cash and taking care of projects around the house.
My 26th: The Joneses
My parents always reuse dryer sheets.e
I like the first point and it is something i have been thinking about for a while. Each month i can't help but worry about how much i spend eating out or ordering food. I have been planning to learn coooking for a while.
I read your blog at first time and it is very useful. Because I am a student so I need every tips how to save money. I like that tips "Start an emergency fund" and I am pretty sure that I will start that :). Also the tip number 12 was funny idea and very usable. I think that if people try those things they will seem, how easy is to save money.
Your blog was nice and I will read that in future.
-Laura-
Thank you for informing us not to park our money in bonds. It is a wise idea if you will convert your bonds into cash and invest them in ROTH IRA or directly in the stock market. For potential maximum growth.
Its not just cashews that have toxins, but peanuts have them too - its a cancer causing toxin in peanuts called aflatoxin. Cashews (I read have this too but can't confirm at this time) have urushiol which is the chemical found in poison Ivy/oak so they must be subjected to high heat (steaming) before sold, they aren't actually ever really 'raw'. And Almonds are actually seeds, not nuts that have cyanide and have to undergo the high heat as well to be safe to consume. While were on this, don't eat green potatoes or their sprouts either... just a heads up! Hope this helps. :-)
Two incidents came to mind as I read this excellent blog. One was when I took my friend J for an interview with a company that advertised they were looking for men and women who were good at meeting the public, had a high school diploma or GED and lived in the city in which the job was located. The ad said that you could make "Up to $5,000 a month."Nothing about what the potential employee was required to do at the job But J was desperate. his current mode of transportation was a bicycle so he put on his best suit, combed back his hair and looked pretty reasonable and employable. However, I told him it was probably not a good job match for him. I said that it sounded like a scam. He told me to shut up. I shut up. We came to the impressive office building. There were several meaningless names on the name plate of those sharing the office he was supposed to go to. I stayed in the car and listened to the latest terrorist attack reports on the news. J sat through an interview and a video presentation, as he later reported to me. The company was hiring 25 people to sell kitchen knives door to door with the fantastic offer that each salesman would keep up to 50% of the sales take. "Whoopee!" I said. "So if you sell 10 knives a month at $5.00 a knife, you make $25 a month." We sat in silence. "How many knives do they say you can sell in a month?" He told me to shut up. I shut up.
The second trip down the memory lane of job hunting was when I, like J was desperate and took a drive 20 miles to the other side of town to interview for a job in public relations. Now, I am very good with people, always have been. I also do part time work online as a transcriber, adviser, blogger, and any number of things that require writing and having the public actually read what I write. So I was off to see the Wizard of Jobs. The office was in a strip mall and was called For Rent of Lease. I should have broken the sound barrier and speed limit getting away from the place but I was desperate so I entered. There were quite a few old card tables with some plastic chairs and professionally hand written signs saying, "Please sit and fill out forms." I pile of forms stacked on the card tables were apparently what the signs were referring to. I filled out the forms, attached my neatly printed out resume to the forms and went into the HR area which was next to the bathroom area and a leaky and noisy air conditioning unit that leaked into the office as well as outside the office. The HR head was pregnant and wore bedroom slippers. She told me that I would be next for an interview.
I peeked into a larger room near the leaky air conditioning unit and saw vacuum cleaners lined up all along the walls. I didn't have a clue. I was so desperate I would have stood on street corners selling shares in the Brooklyn Bridge at that point. And that's what they wanted. Not shares in the Brooklyn Bridge but door-to-door vacuum cleaner salespeople. I said that I expected that I was over-qualified or under-qualified or not at all qualified and hoofed it out of thereon the double.
I have since found a full time job in customer service and, well, you don't want to know...But at least I make an hourly wage so I can once again feed stray cats and myself.
I would also add Drive/Focus to that list, if an individual is focused mentally and driven that will also greatly help in the pursuit of riches. Money and greatness comes to the people who take action.
absolutely. my husband is disabled and with the cost of meat at a insane price, there is no money left after bills and misc. items and what the gov gives in food stamps is not enough to buy meat or much of anything really, so we hunt and fish. this is 100% of our meat. we have not had store bought meat in 4 yrs. so yes, you can survive on wild game. remember, people lived off wild meat long before grocery stores. its not expensive to hunt. the biggest expence is the license, you need one weapon, and a knife for skinning. that's it. remember you are in it for food not sport.
It's actually a very normal, even creative thing to do. Great painters do not just see a tiny piece of the painting they want to paint. They see the whole completed work of art. But they can't do the whole thing in a day or even in the time that it took to create the image in their mind. So they start with the sky. Add a cloud, add a barn, add a cow, etc..
Do see your entire goal, the one you want to achieve. Do you want to be a millionaire by the time you are 40 and you are 20 now. It is not unrealistic to work towards that goal. You may not achieve it entirely, but you may have a nice hefty savings account by the time you are 40 if you save say $5.00 a day for 20 years. You will have over $36,000. Well, it's not a million but it's a new car, or a down payment on a reasonable home for you and a spouse. Just think if everyone saved $5.00 or $10 a day from the time they were 20 years old, every day, little by little. There would be enough for those life disasters like the car keeling over and refusing to start ever again, like your mom needing an operation and not having insurance, like almost anything. And you continue to save, save, save in little amounts.
I just to try to clean the entire 10 room house in a day. Whew. I was a total failure and began to simply not try. Then I discovered that if I cleaned a room a day, I could finish the whole house in less than two weeks. Then I would put the house on maintenance and clean what had gotten messy. Once a month I would take a week to clean more thoroughly. It became quite a pleasure. Music, on mop in hand.
So do visualize your entire goal, whether it's to stop smoking one cigarette less a day or to lose weight, 300 calories less a day,it adds up and soon you will be smoking only two cigarettes a day and have your caloric intake down to about 1000 a day.
I forgot all these good abilities I have to accomplish what my grand plans a drop at a time so thanks for your comment. It reminded me. I am going to go and clean one drawer in my very cluttered dresser right now.
how much for a pound of honey do you think ?
Yes I would love and some day will retire abroad... Ecuador would be nice since I have family there but all the areas seem to have nice draw.
I have a rugby shirt of my dad's (he died in 1990) and even though I don't wear it, I will never get rid of it. I have so few things of his.
Any "boudoir" shots of the spouse. I don't care if your wife was higlighted in the 1996 "Girls of State Colleges" pictoral, it does not belong at work.
Sometimes "anything smelly" is better than the scent of your over-the-wall cube mate passing gas. I'm just saying....
2015 is our year to pay off those pesky student loans! While I earn a biweekly salary, my husband earns a decreasing salary and fluctuating monthly commissions. Our plan is to live off of our salaries and use his commissions to pay off $11,800 in student loans. I divided the P+I into 12 monthly payments and resulted in a reasonable commissions goal.
By Jan. 2016 we should have eliminated our student loans and have only a $3,000 car loan to tackle. Cheers to everyone and their goals!
I want to get in shape, save more money, and de-clutter my entire house.
- Help my husband get at least two YouTube videos done to publicize Charlemagne Beard Oil.
- Clean out my art/craft/sewing studio and make it functional!
- Organize and add keywords to my 15,000+ photos on my new iMac
- Get Dad's website up and running for his custom furniture business
- Grow 200 pounds worth of food this summer
Nothing about $ this year--I've been thinking about it too much as it is! (Ok, get the mortgage to half-way done.)
I'm totally guilty of numbers 2 and 5. Convicted, thanks. Now to get out of the internet black hole and off to the closet...
My goal is to be happy & grow more veggies in my garden.