How about:
#9 - Take the "impulse" out of impulse shopping by waiting 30 days before making a new purchase. That can keep the lizard brain in check because most of us don't want the item if we have a chance to let logic and not emotion dictate our actions.
It goes beyond #2, though any delay is a potential way for us to rethink a decision.
Excel. Since 2003 I've tracked every penny spent day by day, month by month, year by year. Have tabs for daily expenses, a monthly summary tab, a check ledger, my retirement accounts, net worth, etc. Takes about 15 min. a week or less and I always know exactly where I'm at. Makes budgeting pretty painless.
Thanks for the suggestions. I can vouch for the Herman Wiemer wine. My wife and I were in the finger lakes last fall and stopped at their winery. We liked everything we tasted there and went home with a case of mostly the dry riesling, but also a few bottles of the late harvest for when you want some sweetness.
I realize this is pretty old but I just wanted to point out that urine and tomato juice are both, in fact, acid but this isn't the reason it works. It's the ammonia in urine that actually kills the grass. Ammonia is a base, the tomato juice helps neutralize the ammonia. Therefore the person with the pH theory was correct. The added hydration from the salt doesn't hurt the fact though.
When I first started budgeting I used Excel spreadsheet but it got to be too much of a hassle for me and I went back to pen and paper, sort of. I now use a dry erase board in my office and I see it everyday so it actually helps even more for me to see how my budget is going monthly and keeps me accountable.
Skype Number is available in Chile. So you can get a Skype Number with a Chile area code. Then you give that number out to your friends and family in Chile. They can call that number (and not incur international rates) and it will ring your Skype-enabled device (mobile, laptop, tablet) in Canada. See this link for details:
I love using a template for a monthly budget in Numbers (Apple). I color code all of the categories and can see right away what is over budget and where we have room to save!
I would also suggest checking out a coworking space (if you're location-flexible and especially if you're a freelancer or micro-business owner). Something about working in a communal environment is invigorating while also motivating productivity! See coworking.com for more, including a list of spaces near you.
I have the Capital One secured card and was under the impression I would get my 2k deposit back after a year of good standing but you will not receive it back unless you close your account. Whats the point of building a credit history if you have to close your account to get your deposit back. I was really thrown off by this and am now looking for another card to apply for.
These are all great points to consider when working on a Small business. I think a lot of people get intimidated by the word "business," but it doesn't mean the same sort of thing it did fifty years ago. With online resources, finding some ways to make money is easier than before. I think your point about communication is particularly true. All you've got to do is see what resources are about and how you might use them.
Thanks for the great info! As new Roku owners, we just booted satellite tv and are now spending $8 a month for a service instead of over $50 as before. While we get a lot of free rentals from the library, it's nice to have some other free options for 'on demand'.
I find blank budgeting worksheets online and print out a hard copy to use. They tend to include a lot of spending categories that I completely overlook when I make my own budgeting worksheet from scratch, which is really helpful for getting a full picture of my overall spending.
How about:
#9 - Take the "impulse" out of impulse shopping by waiting 30 days before making a new purchase. That can keep the lizard brain in check because most of us don't want the item if we have a chance to let logic and not emotion dictate our actions.
It goes beyond #2, though any delay is a potential way for us to rethink a decision.
Mint.com all the way! I've been a power user since 2008 and could not live without it.
You Need a Budget (YNAB) really helped me get on track. I recommend it to all my family and friends!
great app recommendations! I've been doing the classic "cd's in the car" method. It's taken forever to learn Italian, LOL.
Excel. Since 2003 I've tracked every penny spent day by day, month by month, year by year. Have tabs for daily expenses, a monthly summary tab, a check ledger, my retirement accounts, net worth, etc. Takes about 15 min. a week or less and I always know exactly where I'm at. Makes budgeting pretty painless.
Thanks for the suggestions. I can vouch for the Herman Wiemer wine. My wife and I were in the finger lakes last fall and stopped at their winery. We liked everything we tasted there and went home with a case of mostly the dry riesling, but also a few bottles of the late harvest for when you want some sweetness.
I realize this is pretty old but I just wanted to point out that urine and tomato juice are both, in fact, acid but this isn't the reason it works. It's the ammonia in urine that actually kills the grass. Ammonia is a base, the tomato juice helps neutralize the ammonia. Therefore the person with the pH theory was correct. The added hydration from the salt doesn't hurt the fact though.
Fun fact of the day.
Mvelopes!! An awesome budgeting tool that streamlines keeping up with your expenses!
There is one more exception- vitamin B12 should be taken by vegetarians and anyone over the age of 50, regardless what they eat.
That, and a little Vitamin D are all the supplements a person should take.
YNAB (You Need a Budget). It's not just a budgeting tool, it's a whole new way to look at your money.
When I first started budgeting I used Excel spreadsheet but it got to be too much of a hassle for me and I went back to pen and paper, sort of. I now use a dry erase board in my office and I see it everyday so it actually helps even more for me to see how my budget is going monthly and keeps me accountable.
Skype Number is available in Chile. So you can get a Skype Number with a Chile area code. Then you give that number out to your friends and family in Chile. They can call that number (and not incur international rates) and it will ring your Skype-enabled device (mobile, laptop, tablet) in Canada. See this link for details:
http://www.skype.com/en/features/online-number/
I love using a template for a monthly budget in Numbers (Apple). I color code all of the categories and can see right away what is over budget and where we have room to save!
I would also suggest checking out a coworking space (if you're location-flexible and especially if you're a freelancer or micro-business owner). Something about working in a communal environment is invigorating while also motivating productivity! See coworking.com for more, including a list of spaces near you.
Thanks for catching the error, Brad! We've corrected it. =)
I have the Capital One secured card and was under the impression I would get my 2k deposit back after a year of good standing but you will not receive it back unless you close your account. Whats the point of building a credit history if you have to close your account to get your deposit back. I was really thrown off by this and am now looking for another card to apply for.
I use an excel spreadsheet to track my budget & for most other tracking purposes. It's simple, I can adjust it as needed and it works for me.
I like Mint! It's easy to use. I also have an excel spreadsheet for other accounts that Mint doesn't track.
Excel!
Can we choose a landline phone number as our Skype number? I moved to Canada and would like to have a landline number from Chile to call my family.
These are all great points to consider when working on a Small business. I think a lot of people get intimidated by the word "business," but it doesn't mean the same sort of thing it did fifty years ago. With online resources, finding some ways to make money is easier than before. I think your point about communication is particularly true. All you've got to do is see what resources are about and how you might use them.
Thanks for the great info! As new Roku owners, we just booted satellite tv and are now spending $8 a month for a service instead of over $50 as before. While we get a lot of free rentals from the library, it's nice to have some other free options for 'on demand'.
I've been using mint for a while but it doesn't take all my accounts so I complement with an excel sheet and that keeps me on top of things.
KMyMoney - I am a Linux user so there are not many options. This is much easier to use than GnuCash and also offers a version for Windows and Mac.
I find blank budgeting worksheets online and print out a hard copy to use. They tend to include a lot of spending categories that I completely overlook when I make my own budgeting worksheet from scratch, which is really helpful for getting a full picture of my overall spending.