Fish, steak, things that are already expensive to begin. The profit margin on things like this are razor thin. What's also worth spending money on are things that involve a lot of steps and effort to make.
THANK YOU! I get so sick of these articles, which don't address the cost of gasoline, water, electricity\gas and even my time spent cooking all this stuff. Sure I can make a lot of similar dishes at home for less... but to the same standard? No way. Just using pizza as an example, I could make the crust for less than $1, and spend less than $1 on sauce. But cheese, pepperoni, Italian sausage, olives, green peppers, onions... all that stuff adds up, and there's no way I can do it for less than, say, Pizza Hut can.
Articles like these also ignore all the other costs restaurants have. Sure, a pasta dinner might cost a restaurant $1 (or even less) in actual food costs. But chefs, line cooks, dishwashers, busboys, hostesses, servers and bookkeepers don't work for free. The restaurant has to pay rent, electricity, water, gas, insurance, heath care, waste disposal and advertising. They have to buy mops, buckets, cleaning supplies, plates, glasses, knives, spatulas and pots and pans. It's not like evil restaurant owners are spending $1 on your pasta and laughing at you as they deposit your other $9 into the bank. When you factor all the other stuff in, the restaurant probably isn't making that much off you.
In 5 years I would like to have my house paid off. Not sure I can manage this, but that's where I'd like to be. I'm already debt-free other than the mortgage, but will have to replace the car in the next 5 years and I don't want a note for that either.
We have some goals, but in 5 years, we'll be knocking on 40's door, with a 10 year old and 8 year old. We hope to have no debt other than our mortgage (and working aggressively on that), 12 months in an emergency fund, and BIG 401K / IRA balances. And to keep building the kids' 529 accounts.
#2 Well, I'm not sure I want to yet. That's why I requested an interview. I responded based on the match of the job description with my skills, but I'm here to learn about your company culture and ask questions to learn what drives productivity, how is success measured, and what the leadership and management philosophies are.
Hopefully, we'll be making more money, so we can pay off more debt, give more to charity, and start saving for retirement again. I don't want to have taken on any more debt, too.
I'd love to be working at a decent paying job with good benefits and getting ready for retirement. I'm currently going back to school to make that happen.
My main goal is to increase the amount of money I can put back into my savings and invest. I started freelancing full time about two years ago, and with that come ups and downs in income. It's taken a toll on my savings account.
I am working on increasing my monthly income by seeking steadier work at a better rate (I have been undercharging, as I didn't have the confidence to charge what I SHOULD have at the beginning). I am also looking into different income streams. Better financial security while staying self-employed is my goal!
Hi Kathy! Yes, I sent him an email yesterday to the email he provided on Rafflecopter. Have him check his emails (or his spam folder just in case the email ended up in there). Thanks!
I have been interested in blogging for a while now and found this article while doing a little research. I found the information informative as well as intriguing, exactly the purpose of an article. I believe some of the responses (comments) here have somewhat missed the point of the article, i.e., "Today I'm going to give you some industry TIPS..." Tips is the key word here and would be somewhat synonymous with "hints" or "advice." As I was searching for information, this was a very helpful article. I also really enjoyed Troy's comment on the matter (especially being a blogger himself). Thank you both.
You have to find your book at the library, which requires a surprising amount of creativity. At the basic level, novels and famous works are easy. When you get into very specific textbooks, it gets harder. The first thing you should try are the intercollegiate book sharing networks; they put hundreds of libraries in your range for free.
How do purchasing any of these put the 'merica in America? Tons of people in foreign countries buy coffee on the go, bottled water, paper products, etc.
Magazines and Newspapers are great for traveling and commuting. Much prefer hauling a lightweight newspaper than hauling an electronic device that could easily get stolen on the metro.
What's the difference if you spend money on antibacterial soap v. regular soap? You still have to spend that money and there are many sales on antibacterial soap to make it the same price.
On multivitamins, I would rather believe my doctor's opinion than your three articles that you failed to cite.
Shampoos at hotels? They are cheap and who knows what chemicals are in them.
Where will I be financially in 5 years? I hopefully will be at my next job, still saving money, but have a slightly bigger budget than now. I would like to be able to travel to at least one getaway vacation with my boyfriend. We love to travel.
We'd like to maintain our spending, have built up a bit more savings, and spent our travel savings!! (We finally have enough for a trip to Paris/London -- been saving for 3 years, can't wait!)
Debt-free except for our mortgage. CC balances crept up over the years my husband was unemployed/underemployed. now that he has a job that pays him well we have started saving an emergency fund and started paying down the CC balances.
Student loans paid off, large emergency fund, starting to save for a house.
Fish, steak, things that are already expensive to begin. The profit margin on things like this are razor thin. What's also worth spending money on are things that involve a lot of steps and effort to make.
THANK YOU! I get so sick of these articles, which don't address the cost of gasoline, water, electricity\gas and even my time spent cooking all this stuff. Sure I can make a lot of similar dishes at home for less... but to the same standard? No way. Just using pizza as an example, I could make the crust for less than $1, and spend less than $1 on sauce. But cheese, pepperoni, Italian sausage, olives, green peppers, onions... all that stuff adds up, and there's no way I can do it for less than, say, Pizza Hut can.
Articles like these also ignore all the other costs restaurants have. Sure, a pasta dinner might cost a restaurant $1 (or even less) in actual food costs. But chefs, line cooks, dishwashers, busboys, hostesses, servers and bookkeepers don't work for free. The restaurant has to pay rent, electricity, water, gas, insurance, heath care, waste disposal and advertising. They have to buy mops, buckets, cleaning supplies, plates, glasses, knives, spatulas and pots and pans. It's not like evil restaurant owners are spending $1 on your pasta and laughing at you as they deposit your other $9 into the bank. When you factor all the other stuff in, the restaurant probably isn't making that much off you.
Just buy an unglazed tile from Home Depot for $2, even cheaper.
I wish it was hot enough in the UK to grow avocados!
1 year- open a new index fund, sell old house
3 years- have the mortgage paid off on new house
5 years- investment properties
:)
In 5 years I would like to have my house paid off. Not sure I can manage this, but that's where I'd like to be. I'm already debt-free other than the mortgage, but will have to replace the car in the next 5 years and I don't want a note for that either.
We have some goals, but in 5 years, we'll be knocking on 40's door, with a 10 year old and 8 year old. We hope to have no debt other than our mortgage (and working aggressively on that), 12 months in an emergency fund, and BIG 401K / IRA balances. And to keep building the kids' 529 accounts.
#2 Well, I'm not sure I want to yet. That's why I requested an interview. I responded based on the match of the job description with my skills, but I'm here to learn about your company culture and ask questions to learn what drives productivity, how is success measured, and what the leadership and management philosophies are.
I'd like to have my student loan paid off by then (almost there!) and have even more money saved up for a down payment on a house.
Hopefully, we'll be making more money, so we can pay off more debt, give more to charity, and start saving for retirement again. I don't want to have taken on any more debt, too.
I'd love to be working at a decent paying job with good benefits and getting ready for retirement. I'm currently going back to school to make that happen.
My main goal is to increase the amount of money I can put back into my savings and invest. I started freelancing full time about two years ago, and with that come ups and downs in income. It's taken a toll on my savings account.
I am working on increasing my monthly income by seeking steadier work at a better rate (I have been undercharging, as I didn't have the confidence to charge what I SHOULD have at the beginning). I am also looking into different income streams. Better financial security while staying self-employed is my goal!
Hi Kathy! Yes, I sent him an email yesterday to the email he provided on Rafflecopter. Have him check his emails (or his spam folder just in case the email ended up in there). Thanks!
I have been interested in blogging for a while now and found this article while doing a little research. I found the information informative as well as intriguing, exactly the purpose of an article. I believe some of the responses (comments) here have somewhat missed the point of the article, i.e., "Today I'm going to give you some industry TIPS..." Tips is the key word here and would be somewhat synonymous with "hints" or "advice." As I was searching for information, this was a very helpful article. I also really enjoyed Troy's comment on the matter (especially being a blogger himself). Thank you both.
Is it Christopher Persons He hasn't gotten an email yet can you please let us know this would help him with his college textbooks if it is him
You have to find your book at the library, which requires a surprising amount of creativity. At the basic level, novels and famous works are easy. When you get into very specific textbooks, it gets harder. The first thing you should try are the intercollegiate book sharing networks; they put hundreds of libraries in your range for free.
How do purchasing any of these put the 'merica in America? Tons of people in foreign countries buy coffee on the go, bottled water, paper products, etc.
Magazines and Newspapers are great for traveling and commuting. Much prefer hauling a lightweight newspaper than hauling an electronic device that could easily get stolen on the metro.
What's the difference if you spend money on antibacterial soap v. regular soap? You still have to spend that money and there are many sales on antibacterial soap to make it the same price.
On multivitamins, I would rather believe my doctor's opinion than your three articles that you failed to cite.
Shampoos at hotels? They are cheap and who knows what chemicals are in them.
Where will I be financially in 5 years? I hopefully will be at my next job, still saving money, but have a slightly bigger budget than now. I would like to be able to travel to at least one getaway vacation with my boyfriend. We love to travel.
I would love to have saved enough money for me to take a trip through Europe
We'd like to maintain our spending, have built up a bit more savings, and spent our travel savings!! (We finally have enough for a trip to Paris/London -- been saving for 3 years, can't wait!)
I need to start saving for my daughter's college fund.
Debt-free except for our mortgage. CC balances crept up over the years my husband was unemployed/underemployed. now that he has a job that pays him well we have started saving an emergency fund and started paying down the CC balances.
I plan to retire in 8 yrs, so in 5 yrs I'd like to be confident that I have enough money to fund my retirement.
In five years I hope we have our house paid off and more money in retirement.