Yes! I shop back to school sales. I will be homeschooling my to-be first grader and to-be kindergartner, but I've been shopping back to school sales since they were tiny. Target has some great stuff in their dollar bins that can be used at the younger age levels for school!
We have the MyPlate now instead of the MyPyramid. It's much easier to know what your plate should look like than how many servings of what (and what's counts as a serving!) you should be eating. It's not perfect and it does have some bias, but Harvard came up with a similar plate that is more based on current research. As a dietitian, I encourage people to take on a small dietary change and once that change becomes part of your routine, try another!
I really like the 100% wool (stuffing) pillow with organic cotton cover from White Lotus Home in New Jersey. It's comfortable, conforms to my head, stays cool and dry during night sweats, fluffs/reshapes nicely too. The ones with the zipper make adding or removing stuffing for adjustable loft and cleaning much easier too. The only downside (in my mind) is the price. I found this when I was looking for an easy-clean, chemical free (because of sensitivities), water proof or resistant pillow that can be used for all types of sleepers. In terms of price per use, it's a lot less expensive than buying a pillow that only lasts about a year or two even with washing.
I shopped them a little because I had a coupon, but other than that, I don't plan to. That mostly is because I don't need a lot of those supplies this year, otherwise, I definitely would to save money!
Not so much this year for traditional items (pens, pencils, crayons, paper, etc.). We have one daughter in college (junior) and another who just graduated H.S. in June and is working (for now). Mostly what I'll be shopping for is back to Dorm items - toiletries, snacks, drinks, and maybe a new/used (Craigslist) dorm fridge because the one she had stopped working this past spring.
Of course I am shopping back to school deals! Not only do I have younger kids to shop for I also started freelancing so I need supplies for my office/desk area for my work!
Damian, OpenOffice has programs which are practically identical to the Microsoft versions of Word, Excel, and PowerPoint. It might take you a couple hours to learn what differences there are, but OpenOffice is free and Microsoft Office costs $100 a year - every year, forever.
I would build a shelter, orphanage, and bless random people all day everyday. I'm rich with happiness and money can't buy God's love so I would share it through blessing and caring for those who have lost hope and have nothing. I would help youngsters who have had a life that made the stop believing in themselves find success in college and their dreams. What would I do for me well gciving back to others is the richest bank I could ever invest in and doing it all to glorify God stores my lottery in heaven one day!
I would like to add something for shock and denial, after shock we would usually blame ourselves or others. We will usually tell ourselves why we are so stupid to get ourselves into this ****, it would be so much better if we never do it at all.
I certainly understand your viewpoint, but I have to disagree with several of these examples. Points 2, 4, and 10 are right on the money, but the others are more of a gray area. Never say never.
Using a credit card for a mortgage payment is a responsible and logical thing to do if your bank doesn't charge a fee to do so. Why miss out on the rewards points you can get or the 2% cash back. Buy a house and save for retirement at the same time; that's a good deal. Just pay it off every month like you'd pay the bank.
I paid my tuition bills all the time on credit and I made it work for me. Take it as an opportunity to get a few cards with big signup bonuses and charge a manageable portion of your bill rather than taking a student loan. Pay the debt off before the end of the month or when your 0% interest period runs out. It's like a 2% discount on tuition (no surcharge to pay with credit where I went) and who doesn't want that? What a great way to build a history of responsible credit use.
I pay for all my vacations with credit. It's usually the cheapest way to travel internationally (no forex fees, rewards points, fraud protection, and fair currency conversion rates). Just be prepared to pay the bill when you get back. I'll charge anything before I pay my bank 3% to access my own money abroad.
Paying taxes with a credit card isn't usually the brightest due to the surcharges, but you still earn rewards points and can use tax season to your advantage if you play the points game. Good way to meet a sign up bonus or two and profit from the deal. Again, pay off the bill in full when it comes.
If you think I'm giving my debit card and a direct line into my checking account to a waitress or a bartender, you're sorely mistaken. Why not earn rewards points from your nightly indiscretions and protect yourself from fraud while you're at it. If someone swipes my card details, I sure as hell want it to be the credit card company taking the hit.
Long story short: never say never. You can make credit work for you if you're cautious and can exercise restraint.
No kiddos and my husband and I are out of school... maybe a few office supplies once they hit the deep discounts, but only if we are running low on specific items.
Even if you need Microsoft Office specifically and an alternative won't do, the CD is still cheaper in the long run. If Microsoft releases a new version every 3-4 years as usual, that's $219 for 3-4 years vs. $300-400 for the 3-4 years of an online subscription.
That said, I'm still using Office 2003 at home with no issues, so I'm guessing that $219 will last longer than 3-4 for the average home user. Business users are different of course, but still are better off with the disc version.
David, that's really old software, remember that Microsoft is no longer supporting those apps so you may become a target for malicious hackers. For more info, see https://www.us-cert.gov/ncas/alerts/TA14-069A-0 and http://www.pcworld.com/article/2038505/for-securitys-sake-upgrade-to-a-n...
JD Jackson, thanks for the tip. Hopefully it's not too many hours! :)
No. I'm not in school and have no school age kids so I won't hit the sales.
True Time Tracker, really great and powerful time tracking software by Talygen http://talygen.com.
Sounds like you should ask for a settlement from the orignal lender to avoid fees and scams.
Yes! I shop back to school sales. I will be homeschooling my to-be first grader and to-be kindergartner, but I've been shopping back to school sales since they were tiny. Target has some great stuff in their dollar bins that can be used at the younger age levels for school!
Hey, you made a slight error in the article. The food pyramid you linked to puts meat/beans at 5.5oz, not 5.5 cups as stated in your article. Also consider informing people about the Primal Food Pyramid: http://i247.photobucket.com/albums/gg158/MDA2008/MDA2010/food_pyramid_fl...
Yes I will shop the sales. Target has a lot of great stuff going on right now!
No. We were never blessed with children and we are go to go on office supplies.
To everyone else, though, good luck and may you find lots of great deals!
http://www.choosemyplate.gov/
We have the MyPlate now instead of the MyPyramid. It's much easier to know what your plate should look like than how many servings of what (and what's counts as a serving!) you should be eating. It's not perfect and it does have some bias, but Harvard came up with a similar plate that is more based on current research. As a dietitian, I encourage people to take on a small dietary change and once that change becomes part of your routine, try another!
Nope. Homeschooling rocks. Other than a few schoolbooks, we have everything we need!
I really like the 100% wool (stuffing) pillow with organic cotton cover from White Lotus Home in New Jersey. It's comfortable, conforms to my head, stays cool and dry during night sweats, fluffs/reshapes nicely too. The ones with the zipper make adding or removing stuffing for adjustable loft and cleaning much easier too. The only downside (in my mind) is the price. I found this when I was looking for an easy-clean, chemical free (because of sensitivities), water proof or resistant pillow that can be used for all types of sleepers. In terms of price per use, it's a lot less expensive than buying a pillow that only lasts about a year or two even with washing.
I shopped them a little because I had a coupon, but other than that, I don't plan to. That mostly is because I don't need a lot of those supplies this year, otherwise, I definitely would to save money!
Not so much this year for traditional items (pens, pencils, crayons, paper, etc.). We have one daughter in college (junior) and another who just graduated H.S. in June and is working (for now). Mostly what I'll be shopping for is back to Dorm items - toiletries, snacks, drinks, and maybe a new/used (Craigslist) dorm fridge because the one she had stopped working this past spring.
Of course I am shopping back to school deals! Not only do I have younger kids to shop for I also started freelancing so I need supplies for my office/desk area for my work!
Damian, OpenOffice has programs which are practically identical to the Microsoft versions of Word, Excel, and PowerPoint. It might take you a couple hours to learn what differences there are, but OpenOffice is free and Microsoft Office costs $100 a year - every year, forever.
I would build a shelter, orphanage, and bless random people all day everyday. I'm rich with happiness and money can't buy God's love so I would share it through blessing and caring for those who have lost hope and have nothing. I would help youngsters who have had a life that made the stop believing in themselves find success in college and their dreams. What would I do for me well gciving back to others is the richest bank I could ever invest in and doing it all to glorify God stores my lottery in heaven one day!
I would like to add something for shock and denial, after shock we would usually blame ourselves or others. We will usually tell ourselves why we are so stupid to get ourselves into this ****, it would be so much better if we never do it at all.
I certainly understand your viewpoint, but I have to disagree with several of these examples. Points 2, 4, and 10 are right on the money, but the others are more of a gray area. Never say never.
Using a credit card for a mortgage payment is a responsible and logical thing to do if your bank doesn't charge a fee to do so. Why miss out on the rewards points you can get or the 2% cash back. Buy a house and save for retirement at the same time; that's a good deal. Just pay it off every month like you'd pay the bank.
I paid my tuition bills all the time on credit and I made it work for me. Take it as an opportunity to get a few cards with big signup bonuses and charge a manageable portion of your bill rather than taking a student loan. Pay the debt off before the end of the month or when your 0% interest period runs out. It's like a 2% discount on tuition (no surcharge to pay with credit where I went) and who doesn't want that? What a great way to build a history of responsible credit use.
I pay for all my vacations with credit. It's usually the cheapest way to travel internationally (no forex fees, rewards points, fraud protection, and fair currency conversion rates). Just be prepared to pay the bill when you get back. I'll charge anything before I pay my bank 3% to access my own money abroad.
Paying taxes with a credit card isn't usually the brightest due to the surcharges, but you still earn rewards points and can use tax season to your advantage if you play the points game. Good way to meet a sign up bonus or two and profit from the deal. Again, pay off the bill in full when it comes.
If you think I'm giving my debit card and a direct line into my checking account to a waitress or a bartender, you're sorely mistaken. Why not earn rewards points from your nightly indiscretions and protect yourself from fraud while you're at it. If someone swipes my card details, I sure as hell want it to be the credit card company taking the hit.
Long story short: never say never. You can make credit work for you if you're cautious and can exercise restraint.
No kiddos and my husband and I are out of school... maybe a few office supplies once they hit the deep discounts, but only if we are running low on specific items.
I'll be looking for items for myself!
Even if you need Microsoft Office specifically and an alternative won't do, the CD is still cheaper in the long run. If Microsoft releases a new version every 3-4 years as usual, that's $219 for 3-4 years vs. $300-400 for the 3-4 years of an online subscription.
That said, I'm still using Office 2003 at home with no issues, so I'm guessing that $219 will last longer than 3-4 for the average home user. Business users are different of course, but still are better off with the disc version.
Yes, I will shop back to school sales! I love finding deals!
Of course. You can't beat the loss leaders at the office stores.
Yes I shop back-to-school sales & keep a list while shopping. We also compare prices before heading to the stores.