I like "Personal Finance for Dummies" as a good, broad overview. There are numerous good books on personal finance, and I've read a few others that seem geared to my situation (I skip the ones aimed at the "one percent," since I don't have enough cash to offshore anywhere at the moment). In the past I've found a whole lot of good information on personal finance right on this website.
I find that the second look is almost always useful and worth the wait. I haven't had the need to send emails to a potential employer recently but those messages are very important and stepping away in those situations makes sense. Thanks for mentioning that Kelly!
It's definitely easy to misinterpret someone via email, esp. if you don't know someone very well. So politeness and brief pleasantries, such as the "thank you" that you mention, can help to get the right (friendly) message across.
I read personal finance books from the library :) I don't have much money but reading about the topic keeps it fresh in my mind and helps me pay attention to how I'm using what I do have.
I hate cotton for dark and bright colored clothing, especially black. I turn clothes inside-out, wash in cold water on gentle cycle, and air dry; when I iron them (because that course of action ALWAYS leads to wrinkled cotton clothing), the ironing assists in them looking faded. So now I refuse to buy black cotton items, because of the fading and the ironing needed.
One of my all time favorites is "The Money Book for the Young, Fabulous & Broke" by Suze Orman. I got this book back in 2005 and was filled with so much advice and realistic scenarios that I have learned drastically from it and have been able to improve in my financial life drastically.
This is a great book for anyone in their teens/twenties.
All of these are great tips.I think it the email is a very important one to a potential employer or client, taking a step away from it by saving it and going back later is the best advice. Having a fresh eye will not only help you make sure the spelling and grammar is correct but also say exactly what you want to say.
I love simple recipes that don't take a lot of ingredients, because when you want to make a meal you don't want to go to the store and have to buy a bunch of different packages of things to only use a little of each. The easy white pizza looks good, and I love chicken salad especially with some sweet elements like red grapes or craisins.
What I did was took my car loan out for as long as they would let me, yes I sacrificed a little interest rate to do so. I asked the credit union to calculate my payments for 48 months, I then took the loan out for 72 months. I make the 48 month payment each month so that I am ahead, and if any emergency comes along I can cut my payment back to the agreed upon 72 month loan, freeing up some cash if I'm in a pinch, this way not only am I ahead of the game, but I can stay ahead if my emergency lasts an extended period of time....ex: 48mon=$400 vs 72mon $250...withing the first 6-8 months if you pay 400 you'll be ahead about 3 months worth of payments, if something happens you cut the extra 150 you are paying and pay the $250, but you have 3 months before you have to make a payment, saving 750 bucks, yes you will pay more interest but at least this plan leaves you options.
Without trying to sound like a suck up, one of my favorites is "10,001 Ways to Live Large on a Small Budget", right next to "America's Cheapest Family Gets You Right on the Money" by Steve & Anette Economides. I don't read any of the hardcore stuff.
If I had just looked at the names of the recipes and not the title of this article I wouldn't have guessed there were only 5 ingredients in each one. They sound delicious and like a more fancy dish. I absolutely love that, especially when I don't have time to cook but are expecting guests I want to impress.
I love the suggestions. I am not a huge shopper but I LOVE bargain hunting. There is some sort of satisfaction that comes with it, but there is also that awful feeling when you see an item for a lot cheaper later than you paid for it. This just happened to me with the TV. I bought my TV when they were on sale for Super Bowl but I could have put it off further. On the plus side, I won't go out and buy that grill I was planning to buy on Friday. Well, maybe I will since I don't have one and just moved into a new place and kept telling myself I was getting one for myself as house warming. I guess I can splurge on that.
Mix oats with eggs fry them up in a skillet with a little butter and treat as you would ground beef for tacos, and a few other recipes. Its not a perfect substitute for meat and definitely not vegan, but surprisingly tasty and hearty. Also if you use egg whites very nutritious protein, water soluble fibre, all in a tasty (and mouth pleasing texture) package.
Sometimes we just add a little salt and pepper and a touch of other savory seasonings to make a very satisfying main dish.
It sounds crazy till you try it. Oaty eggs are a keeper.
I use many of the tactics mentioned. I wear business causal most of the time so I buy black Dockers type pants when they are a really good deal or like new at thrift stores. Always wash them turned inside out in cold water. Then every so often I dye them black again. If you dye them in some sort of vat you can do numerous items.
I have a clothing allowance to purchase certain company logo items. I wear these with black pants most of the time.
I do sometimes need suits for meeting where I see the same people over & over so I can't wear the same suit too many times. Several years ago I found the mismatched suit markdowns at Macy's. These are suit items that have become seperated from the matching pants or top. They are drastically discounted ($20 for new suit pants & $30 for jackets). If you time it right you can take an extra 10-25% off. Buy a pair of black pants that can mix with any number of jackets and you are set for quite some time plus it makes packing for business trips much easier as you only need one pair of dress pants and shoes!
And don't forget there is independent advice from nonprofit agencies. A home buyer education class can prevent you from making expensive mistakes and might even give you a discount if you have to pay mortgage insurance.
All about that gym membership! I've been looking for one since my college has their gym closed for the summer, I guess now is the perfect time to look! :)
Yes.... I have in the past. Now I mostly read online information about finances, frugal living, self-sufficiency and gardening
I like "Personal Finance for Dummies" as a good, broad overview. There are numerous good books on personal finance, and I've read a few others that seem geared to my situation (I skip the ones aimed at the "one percent," since I don't have enough cash to offshore anywhere at the moment). In the past I've found a whole lot of good information on personal finance right on this website.
I've been to Montreal twice. It's a really beautiful city. The Basilica you mention is not to be missed!
I find that the second look is almost always useful and worth the wait. I haven't had the need to send emails to a potential employer recently but those messages are very important and stepping away in those situations makes sense. Thanks for mentioning that Kelly!
It's definitely easy to misinterpret someone via email, esp. if you don't know someone very well. So politeness and brief pleasantries, such as the "thank you" that you mention, can help to get the right (friendly) message across.
Thanks for reading and commenting!
I read personal finance books from the library :) I don't have much money but reading about the topic keeps it fresh in my mind and helps me pay attention to how I'm using what I do have.
I hate cotton for dark and bright colored clothing, especially black. I turn clothes inside-out, wash in cold water on gentle cycle, and air dry; when I iron them (because that course of action ALWAYS leads to wrinkled cotton clothing), the ironing assists in them looking faded. So now I refuse to buy black cotton items, because of the fading and the ironing needed.
One of my all time favorites is "The Money Book for the Young, Fabulous & Broke" by Suze Orman. I got this book back in 2005 and was filled with so much advice and realistic scenarios that I have learned drastically from it and have been able to improve in my financial life drastically.
This is a great book for anyone in their teens/twenties.
I live and die by Personal Finance Books! I love to read them and take bits and pieces and apply to my own situation!
Hi Sue!
The mismatched suit markdown is a great tip!
All of these are great tips.I think it the email is a very important one to a potential employer or client, taking a step away from it by saving it and going back later is the best advice. Having a fresh eye will not only help you make sure the spelling and grammar is correct but also say exactly what you want to say.
I love simple recipes that don't take a lot of ingredients, because when you want to make a meal you don't want to go to the store and have to buy a bunch of different packages of things to only use a little of each. The easy white pizza looks good, and I love chicken salad especially with some sweet elements like red grapes or craisins.
I've never read a personal finance book...I get all my information and ideas from the internet.
What I did was took my car loan out for as long as they would let me, yes I sacrificed a little interest rate to do so. I asked the credit union to calculate my payments for 48 months, I then took the loan out for 72 months. I make the 48 month payment each month so that I am ahead, and if any emergency comes along I can cut my payment back to the agreed upon 72 month loan, freeing up some cash if I'm in a pinch, this way not only am I ahead of the game, but I can stay ahead if my emergency lasts an extended period of time....ex: 48mon=$400 vs 72mon $250...withing the first 6-8 months if you pay 400 you'll be ahead about 3 months worth of payments, if something happens you cut the extra 150 you are paying and pay the $250, but you have 3 months before you have to make a payment, saving 750 bucks, yes you will pay more interest but at least this plan leaves you options.
Without trying to sound like a suck up, one of my favorites is "10,001 Ways to Live Large on a Small Budget", right next to "America's Cheapest Family Gets You Right on the Money" by Steve & Anette Economides. I don't read any of the hardcore stuff.
If I had just looked at the names of the recipes and not the title of this article I wouldn't have guessed there were only 5 ingredients in each one. They sound delicious and like a more fancy dish. I absolutely love that, especially when I don't have time to cook but are expecting guests I want to impress.
It is worth mentioning that how much you can afford is not the same as how much the mortgage lender will approve you for!
I love the suggestions. I am not a huge shopper but I LOVE bargain hunting. There is some sort of satisfaction that comes with it, but there is also that awful feeling when you see an item for a lot cheaper later than you paid for it. This just happened to me with the TV. I bought my TV when they were on sale for Super Bowl but I could have put it off further. On the plus side, I won't go out and buy that grill I was planning to buy on Friday. Well, maybe I will since I don't have one and just moved into a new place and kept telling myself I was getting one for myself as house warming. I guess I can splurge on that.
Yes, I do. Not all, but a few a year and I somewhat monitor blogs as well. My salary is modest so I have to do what I can to maximize it.
Mix oats with eggs fry them up in a skillet with a little butter and treat as you would ground beef for tacos, and a few other recipes. Its not a perfect substitute for meat and definitely not vegan, but surprisingly tasty and hearty. Also if you use egg whites very nutritious protein, water soluble fibre, all in a tasty (and mouth pleasing texture) package.
Sometimes we just add a little salt and pepper and a touch of other savory seasonings to make a very satisfying main dish.
It sounds crazy till you try it. Oaty eggs are a keeper.
I use many of the tactics mentioned. I wear business causal most of the time so I buy black Dockers type pants when they are a really good deal or like new at thrift stores. Always wash them turned inside out in cold water. Then every so often I dye them black again. If you dye them in some sort of vat you can do numerous items.
I have a clothing allowance to purchase certain company logo items. I wear these with black pants most of the time.
I do sometimes need suits for meeting where I see the same people over & over so I can't wear the same suit too many times. Several years ago I found the mismatched suit markdowns at Macy's. These are suit items that have become seperated from the matching pants or top. They are drastically discounted ($20 for new suit pants & $30 for jackets). If you time it right you can take an extra 10-25% off. Buy a pair of black pants that can mix with any number of jackets and you are set for quite some time plus it makes packing for business trips much easier as you only need one pair of dress pants and shoes!
And don't forget there is independent advice from nonprofit agencies. A home buyer education class can prevent you from making expensive mistakes and might even give you a discount if you have to pay mortgage insurance.
Yes, I've read almost every one at the library. I think all of them offer at least a few helpful tips.
My reading consists of 90% personal finance. I tend to read at least two personal finance books each month.
All about that gym membership! I've been looking for one since my college has their gym closed for the summer, I guess now is the perfect time to look! :)