people who take supplements are less likely to take drugs pushed by big pharma. This undoubtedly adds years to life. Plus saves money - no matter how much vitamins cost, they are not even near the expense of poisons drug companies peddle
great advise. I recently had my clutch wallet stolen at work by a cleaning guy. i was angry at the loss of the cash which part I had set aside for my son's birthday card, but more devastated with the loss of pictures of my kids and grand-kids. getting the licence and bank card replaced were pretty quick but did cost me time & money.
I just skimmed the article, however I quit reading after I read the following, "On the average, variable annuities provide a 7.1% monthly return". This is absolutely false!
Very misleading. Please correct.
As an owner of a Registered Investment Advisory firm, I don't appreciate this type of error and hope it was an honest typo that will be corrected.
I use my checkbook to pay bills and whatever the amount I pay it gets rounded off to the next dollar. For example, if I pay a bill for $14.05 I round it to $15.00 and this ensures I never bounce a check because my account always has a cushion. I also only take the car out for errands if I can go to more than one place. Otherwise, my trips can wait for another day rather than waste gas.
halfing a dessert with my boyfriend, and/or sharing a sandwich. also i NEVER order soda anymore. that alone saves tons of calories (which i'd rather blow on dessert, ha) and at least a couple of bucks. it's simple but has saved me much money through the years.
You're already letting him stay in your home for three weeks; you've done your part - and it was more than generous. He should absolutely pitch in for gas, and he should most definitely pay for his own room if he's invited himself. If you invited him along, that's a different story if you didn't discuss that he should cover his own costs.
We used cash and the envelope system for years and still do to some extent. Mostly, we use the credit card for everything now and pay it back out of our cash envelopes. Gotta love getting cash back with our credit card rewards!
I use a spreadsheet in Google Drive that forecasts my income, expenses, and cash flow for the next 30 years. I use it not only to track how much I am spending, but also to see if I am on track for retirement or any other future financial goals I have.
At the start if each month I put $5 in a jar DAILY....voilã each month you are ferreting away a minimum of $150. I put a check mark on the calendar for each day I do this. At the end of the month I can deposit this month in my bank account or squirrel it away to start a fund for a special trip.
My favorite is YNAB. I used to just use Excel/Google Drive, but this does everything for me in less time and requires less of me. And I like that I can sync my phone or tablet, so that I can see how much I have left in a category when I'm at the store.
A budget notebook!
I still use good old Quickbooks
people who take supplements are less likely to take drugs pushed by big pharma. This undoubtedly adds years to life. Plus saves money - no matter how much vitamins cost, they are not even near the expense of poisons drug companies peddle
I use Dave Ramsey's budget sheets to keep me up-to-date.
I enjoy using the Quickbooks Desktop program.
However, another great tool if going online is www.budgetsimple.com
I really like using Mint. It makes everything so easy and I love that I can track my progress to goals.
Mint.com is my favorite budgeting tool.
great advise. I recently had my clutch wallet stolen at work by a cleaning guy. i was angry at the loss of the cash which part I had set aside for my son's birthday card, but more devastated with the loss of pictures of my kids and grand-kids. getting the licence and bank card replaced were pretty quick but did cost me time & money.
I just skimmed the article, however I quit reading after I read the following, "On the average, variable annuities provide a 7.1% monthly return". This is absolutely false!
Very misleading. Please correct.
As an owner of a Registered Investment Advisory firm, I don't appreciate this type of error and hope it was an honest typo that will be corrected.
I use my checkbook to pay bills and whatever the amount I pay it gets rounded off to the next dollar. For example, if I pay a bill for $14.05 I round it to $15.00 and this ensures I never bounce a check because my account always has a cushion. I also only take the car out for errands if I can go to more than one place. Otherwise, my trips can wait for another day rather than waste gas.
I like using Quicken, it easily shows me where my budget is and where I am under/over budget.
halfing a dessert with my boyfriend, and/or sharing a sandwich. also i NEVER order soda anymore. that alone saves tons of calories (which i'd rather blow on dessert, ha) and at least a couple of bucks. it's simple but has saved me much money through the years.
I mostly do it in my head, but when I need to get very specific I'll use pen and paper. It helps that my situation is fairly uncomplicated.
I use a calculator at the start of the month, and I check my credit card statement online regularly the rest of the month.
You're already letting him stay in your home for three weeks; you've done your part - and it was more than generous. He should absolutely pitch in for gas, and he should most definitely pay for his own room if he's invited himself. If you invited him along, that's a different story if you didn't discuss that he should cover his own costs.
Just using a notebook to track expenses and bills works for our budget.
I love skyscanner it's great for cheap flights.
We used cash and the envelope system for years and still do to some extent. Mostly, we use the credit card for everything now and pay it back out of our cash envelopes. Gotta love getting cash back with our credit card rewards!
I use a spreadsheet in Google Drive that forecasts my income, expenses, and cash flow for the next 30 years. I use it not only to track how much I am spending, but also to see if I am on track for retirement or any other future financial goals I have.
Pen and paper, or excel. I also like Mint.
At the start if each month I put $5 in a jar DAILY....voilã each month you are ferreting away a minimum of $150. I put a check mark on the calendar for each day I do this. At the end of the month I can deposit this month in my bank account or squirrel it away to start a fund for a special trip.
We like pen and paper also, but use BudgetMap as our check register.
Buxfer.com simple, multilingual, easy, online, several accounts, customized...
I use Dave Ramsey's budget spreadsheets from Financial Peace University.
My favorite is YNAB. I used to just use Excel/Google Drive, but this does everything for me in less time and requires less of me. And I like that I can sync my phone or tablet, so that I can see how much I have left in a category when I'm at the store.