Yes we were spending $320 in gas alone just for my husband to go to work and run errands in a 1 mile radius. We stopped having fun because we didn't have extra. Our family can now travel outside of our 1 mile radius. We can live again.
Yup. It has been excellent to clean up and de-clutter already this year. It has been great to relax and reflect back on the prior year. Last year, I paid off my mortgage. It was a whirlwind of a ride getting rid of that $54,500 debt, but I did it, it's done, and I can't wait for what the future will bring with absolutely no payments! Thanks for the great read.
Rule #2: Don't let greedy salesmen/brokers/agents take any of your money in fees, commissions, loads, etc. Do the paperwork yourself with a discount broker - Fidelity, Vanguard, TD Ameritrade, etc., then invest in no-load mutual funds with no front loads, no back loads, and certainly NO 12b1 FEES whatsoever. It will make a difference of hundreds of thousands of dollars by the time you retire!
Rule #3: Don’t waste money on stupid stuff you don’t need. Don’t get $100/month smart phone. I pay $20/month with tMobile. Don’t get $100/month auto insurance. I pay $24/month with Insurance Panda. Don’t spend $50/month on your gym. I spend $15/month at Planet Fitness. All these expenses add up and end up cutting into your savings.
Rule #4 Save at least 10% of your gross income. Join your 401k at work, set up IRAs on your own.
Role #5: Again - Pay attention to your savings. As they grow you will feel empowered
Usually after January 6, Epiphany or the visit of the Magi. The Twelve Days of Christmas are traditionally the 12 days after Christmas, not before. (They were also when Shakespeare's company performed plays at court for Queen Elizabeth and King James. A little trivia!)
I need to admit I made a wrong call at work. I knew I was wrong straight away and was thinking of excuses to give to a manager later on, but I'm no good at lying to people, so it was making me nervey. Staying truthful and moving on with an apology feels better to do. Hopefully i can get on with my apology to the person concerned and gain a little respect back as I'm not always doing dumb things.
Really good points made here. I drive so seldom that I really don't pay attention to gas prices as much as I should. Back when gas was more expensive I remember asking my husband if he noticed that he cost of food was higher than usual. Now I don't feel that way.
I dont know about moon sand but I made the same sand that is at brookstone with regular sand and silly putty, no water, no glue, just two ingredients and some oven time.
But then again I work at a department store chain in the mid-west that carries a name-brand line of kitchen gadgets (brand is best known for its excellent stand-mixers), and the ice cream scoop is so poorly designed and made that I am sure it would break the first time someone used it for anything stiffer than Cool-whip!
I look for office-supply type products: I love some pens I just got @ 10 for $1--the ink runs out faster than more expensive pens, but they still come out better because pens are ridiculously expensive, and they feel good in my hand. You have to watch how much paper you are getting in notebooks and things, but there are some good buys. I got some notebooks once that I liked so well, I called the paper company to ask where to get more!
Also I check out the aisle with cell phone accessories. The clear screen covers are good, and I can find cases I like for my phone. Why spend $15 or more? Also the rubber tipped styluses are great. I wouldn't buy the chargers or adapters tho.
I also buy box cutters there, and I always look for non-aerosol hairspray. Kitchen towels can be a good deal. I use some square candle jars I got at dollar tree (they happen to be name-brand) as cell phone holders. Avoid potpourri etc.; I bought "cinnamon-scented" diffusers at a dollar-type store and the cinnamon smelled like the red mouthwash at the dentist's office!
While I agree that giving has its rewards...going into debt is not a wise option. Since the name of this blog is Wisebread, I am disappointed with the last sentence of this article. :(
If selling isn’t your thing, resorts all over the planet often hire staff from other countries for a variety of positions, such as front desk, restaurant or the activity entertainment department.
How long will it take to increase credit line (capital one) ?
Yes we were spending $320 in gas alone just for my husband to go to work and run errands in a 1 mile radius. We stopped having fun because we didn't have extra. Our family can now travel outside of our 1 mile radius. We can live again.
Yup. It has been excellent to clean up and de-clutter already this year. It has been great to relax and reflect back on the prior year. Last year, I paid off my mortgage. It was a whirlwind of a ride getting rid of that $54,500 debt, but I did it, it's done, and I can't wait for what the future will bring with absolutely no payments! Thanks for the great read.
Rule #1: Pay yourself FIRST.
Rule #2: Don't let greedy salesmen/brokers/agents take any of your money in fees, commissions, loads, etc. Do the paperwork yourself with a discount broker - Fidelity, Vanguard, TD Ameritrade, etc., then invest in no-load mutual funds with no front loads, no back loads, and certainly NO 12b1 FEES whatsoever. It will make a difference of hundreds of thousands of dollars by the time you retire!
Rule #3: Don’t waste money on stupid stuff you don’t need. Don’t get $100/month smart phone. I pay $20/month with tMobile. Don’t get $100/month auto insurance. I pay $24/month with Insurance Panda. Don’t spend $50/month on your gym. I spend $15/month at Planet Fitness. All these expenses add up and end up cutting into your savings.
Rule #4 Save at least 10% of your gross income. Join your 401k at work, set up IRAs on your own.
Role #5: Again - Pay attention to your savings. As they grow you will feel empowered
Usually after January 6, Epiphany or the visit of the Magi. The Twelve Days of Christmas are traditionally the 12 days after Christmas, not before. (They were also when Shakespeare's company performed plays at court for Queen Elizabeth and King James. A little trivia!)
Happy New Year, everyone!
The idea of rolling clothes sounds pretty logical, but I have never thought about it. Great tips!
I need to admit I made a wrong call at work. I knew I was wrong straight away and was thinking of excuses to give to a manager later on, but I'm no good at lying to people, so it was making me nervey. Staying truthful and moving on with an apology feels better to do. Hopefully i can get on with my apology to the person concerned and gain a little respect back as I'm not always doing dumb things.
If your buying a car know your math don't go into a dealership expecting a $300 payment for 60 months on a $50,000 vehicle.
Whenever I can be bothered or the tree dries out to the extent that it is dropping all of its needles all over the place.
Standard single unit markdown for software is a standard 40% (the retailer pays 60% of list price)
Never had an issue with my dc 15 have had it for 10 yrs now deciddd to buy a new dc25
They came down the day after Christmas.
Really good points made here. I drive so seldom that I really don't pay attention to gas prices as much as I should. Back when gas was more expensive I remember asking my husband if he noticed that he cost of food was higher than usual. Now I don't feel that way.
This year I took them down two days after because the weather was mild and made it easier. Otherwise, I usually wait until after New Years.
I take mine down 2nd weekend in Jan.
Thank you! That has to be one of the most beneficial and practical lists I've seen!
I take down the decorations throughout the house the day after Christmas. I leave the tree and nativity scene up until Three Kings Day!
I dont know about moon sand but I made the same sand that is at brookstone with regular sand and silly putty, no water, no glue, just two ingredients and some oven time.
We take ours down on January 2nd.
My family takes down our decorations New Years Day.
But then again I work at a department store chain in the mid-west that carries a name-brand line of kitchen gadgets (brand is best known for its excellent stand-mixers), and the ice cream scoop is so poorly designed and made that I am sure it would break the first time someone used it for anything stiffer than Cool-whip!
I look for office-supply type products: I love some pens I just got @ 10 for $1--the ink runs out faster than more expensive pens, but they still come out better because pens are ridiculously expensive, and they feel good in my hand. You have to watch how much paper you are getting in notebooks and things, but there are some good buys. I got some notebooks once that I liked so well, I called the paper company to ask where to get more!
Also I check out the aisle with cell phone accessories. The clear screen covers are good, and I can find cases I like for my phone. Why spend $15 or more? Also the rubber tipped styluses are great. I wouldn't buy the chargers or adapters tho.
I also buy box cutters there, and I always look for non-aerosol hairspray. Kitchen towels can be a good deal. I use some square candle jars I got at dollar tree (they happen to be name-brand) as cell phone holders. Avoid potpourri etc.; I bought "cinnamon-scented" diffusers at a dollar-type store and the cinnamon smelled like the red mouthwash at the dentist's office!
While I agree that giving has its rewards...going into debt is not a wise option. Since the name of this blog is Wisebread, I am disappointed with the last sentence of this article. :(
I usually leave mine up until the new year. Sometimes I take them down New Year's Day, but they're always down within a few days after that.
Usually sometime a week or two after Christmas
If selling isn’t your thing, resorts all over the planet often hire staff from other countries for a variety of positions, such as front desk, restaurant or the activity entertainment department.