i think domain name speculation sucks harder than cyber squatting. If you want to find a domain as a non-profit or ngo you'll find out that most names describing your ideals are for sale for big money. I don't care about cyber squatting though. Let those people make money of typos.
I live in California and have a house-guest from Germany who asked if he could visit for three weeks. It is common to drive a hundred miles a day here. Do I ask him to chip in for gas since I am only going to these places because of him? I am going on a week vacation with my son and daughter and have booked our rooms. Do I ask him to pay for his own room or do I have to pay for that since he is a guest, even though he invited himself?
I got the same note almost exactly. A friend said that these emails never mention the item specifically. I did send my name address and phone number and I am worried what might be done with this info. like the other writer below. I never received a check (yet) but if I do I plan to take it to the police. Any thoughts or suggestions?
I completely agree with the use of a spreadsheet. Simple and always reliable. The only difference though is I store my spreadsheets using Google Drive. You log-in and access it through a gmail account. That way you can always have access to the files anywhere you go. You work and save the files directly on the website, so there is no need to constantly upload/download. Great if you work from multiple computers or locations.
I use a Google Docs spreadsheet that is customized to work with Dave Ramsey's FPU. It's straightforward and to the point. I can conveniently access it from my phone, tablet and computer.
SaveUp is a great help with budgeting. I currently work for a credit union and we offer all employees free financial counseling through a program called Balance. You can get more information about the free counseling from Balancepro.net or balancepro.org.
They offer different tool kits and newsletters on money management including setting up your budget and paying off debt. They also offer calculators to help you calculate how much you should save for retirement or how much you would need to save a month to reach your goal in x amount of years or months. I love it! It has personally helped me start paying down my debt and I am saving 200.00 extra dollars a month by reducing spending on things I don't need, which I discovered using one of the spending tracking toolkits.
I use the Personal Capital website software for budgeting. You can link all your accounts and see total net worth all in one place. The software shows portfolio accounts in detail.
So far, my favorite tool is an excel spreadsheet. I'm a freelance writer who works project by project with several clients, so my income fluctuates unpredictably. What works best for me is still far from a perfect system. I record all spending and expenses by category in an excel spreadsheet. Then at the end of the year, I look at each category to see if there are cuts I can make. I use last year's income and spending to set monthly targets for each category for the year ahead. As I enter expenses, I periodically filter by category to see how I'm doing against my targets. If I exceed in one month, I know I have to reduce in other months. If someone in a similar situation knows of a better tool or approach, I'd like to hear about it.
I would use any of these cards except Greendot. Greendot card has the worst customer service ever and they have fee's for everything. I was using the card outside of the USA and they charged double fee's for using the card at ATM's with a foreign transaction fee + an ATM fee. They charged a fee for every single time I used the card. Then they decided that their card could not be used outside of the USA. First they restricted its use to ATM's which was frustrating and then just about 6-8 months later, they restricted the card completely from being used outside the USA. Furthermore, they didn't give any warning and I was using this card as a primary card. They didn't email these changes to anyone, they just stopped their use which left me in Ukraine without any way to get money, even from a bank which left me stranded in a foreign country with no money. If it wasn't for the ability to take the money off my card using PayPal and then having a family member Western Union the cash to me, I would have had no money and stuck in a foreign country. What's more is that Greendot customer service reps are some of the nastiest people to ever deal with. They don't care at all about the customer and have a whole set of 'canned responses' so they don't have to actually 'talk' to you. They don't care about anything. They just charge their fee's and kick you when you are down. Want to be treated like total dirt? Buy a Greendot card. As for me, I switched to AMEX Bluebird. It's not accepted everywhere but I know they wont leave me stranded somewhere and use their card agreement as an excuse. Bottom line: Greendot is the worst.
You shared a very interesting piece of info. I am aware of wishing wells for the longest time but never did I took time to know where all the coins go. It's nice that there are fountains that give to charitable organizations. At least, even if your wish doesn't come true the coin you threw away can still serve you well.
I know exactly what you mean, David! If my siblings and I want to spend money on my dad, we're sure to encounter some resistance. (Less so with my mom, thankfully!)
i think domain name speculation sucks harder than cyber squatting. If you want to find a domain as a non-profit or ngo you'll find out that most names describing your ideals are for sale for big money. I don't care about cyber squatting though. Let those people make money of typos.
My favorite budgeting tool is the tried and true envelope system.
I live in California and have a house-guest from Germany who asked if he could visit for three weeks. It is common to drive a hundred miles a day here. Do I ask him to chip in for gas since I am only going to these places because of him? I am going on a week vacation with my son and daughter and have booked our rooms. Do I ask him to pay for his own room or do I have to pay for that since he is a guest, even though he invited himself?
I got the same note almost exactly. A friend said that these emails never mention the item specifically. I did send my name address and phone number and I am worried what might be done with this info. like the other writer below. I never received a check (yet) but if I do I plan to take it to the police. Any thoughts or suggestions?
A self-made spreadsheet on Google Drive so both my husband & I have access to it!
I use Excel
How do you budget with a check register?? Tracking spending sure, but budgeting? hmmm....
I use YNAB software to budget. I had it for about 4 years. Really beneficial
Excel spreadsheet.
I love the goodbudget app. Nice way to do an envelope style budget while paying with a debit or credit card.
I completely agree with the use of a spreadsheet. Simple and always reliable. The only difference though is I store my spreadsheets using Google Drive. You log-in and access it through a gmail account. That way you can always have access to the files anywhere you go. You work and save the files directly on the website, so there is no need to constantly upload/download. Great if you work from multiple computers or locations.
I'm going to have to go with pen and paper also. Makes it more "real" for me than just numbers on a screen.
Good old fashioned check register and pen.
A big fan of Mint!
I use a Google Docs spreadsheet that is customized to work with Dave Ramsey's FPU. It's straightforward and to the point. I can conveniently access it from my phone, tablet and computer.
SaveUp is a great help with budgeting. I currently work for a credit union and we offer all employees free financial counseling through a program called Balance. You can get more information about the free counseling from Balancepro.net or balancepro.org.
They offer different tool kits and newsletters on money management including setting up your budget and paying off debt. They also offer calculators to help you calculate how much you should save for retirement or how much you would need to save a month to reach your goal in x amount of years or months. I love it! It has personally helped me start paying down my debt and I am saving 200.00 extra dollars a month by reducing spending on things I don't need, which I discovered using one of the spending tracking toolkits.
I use the Personal Capital website software for budgeting. You can link all your accounts and see total net worth all in one place. The software shows portfolio accounts in detail.
Excel, free and pretty simple to use
So far, my favorite tool is an excel spreadsheet. I'm a freelance writer who works project by project with several clients, so my income fluctuates unpredictably. What works best for me is still far from a perfect system. I record all spending and expenses by category in an excel spreadsheet. Then at the end of the year, I look at each category to see if there are cuts I can make. I use last year's income and spending to set monthly targets for each category for the year ahead. As I enter expenses, I periodically filter by category to see how I'm doing against my targets. If I exceed in one month, I know I have to reduce in other months. If someone in a similar situation knows of a better tool or approach, I'd like to hear about it.
I really enjoy the app SaveUp, it gives you entries into different sweepstakes for saving money and paying off debt.
Pen and paper is what works for me!
I would use any of these cards except Greendot. Greendot card has the worst customer service ever and they have fee's for everything. I was using the card outside of the USA and they charged double fee's for using the card at ATM's with a foreign transaction fee + an ATM fee. They charged a fee for every single time I used the card. Then they decided that their card could not be used outside of the USA. First they restricted its use to ATM's which was frustrating and then just about 6-8 months later, they restricted the card completely from being used outside the USA. Furthermore, they didn't give any warning and I was using this card as a primary card. They didn't email these changes to anyone, they just stopped their use which left me in Ukraine without any way to get money, even from a bank which left me stranded in a foreign country with no money. If it wasn't for the ability to take the money off my card using PayPal and then having a family member Western Union the cash to me, I would have had no money and stuck in a foreign country. What's more is that Greendot customer service reps are some of the nastiest people to ever deal with. They don't care at all about the customer and have a whole set of 'canned responses' so they don't have to actually 'talk' to you. They don't care about anything. They just charge their fee's and kick you when you are down. Want to be treated like total dirt? Buy a Greendot card. As for me, I switched to AMEX Bluebird. It's not accepted everywhere but I know they wont leave me stranded somewhere and use their card agreement as an excuse. Bottom line: Greendot is the worst.
I like to go fishing in the spring.
You shared a very interesting piece of info. I am aware of wishing wells for the longest time but never did I took time to know where all the coins go. It's nice that there are fountains that give to charitable organizations. At least, even if your wish doesn't come true the coin you threw away can still serve you well.
I know exactly what you mean, David! If my siblings and I want to spend money on my dad, we're sure to encounter some resistance. (Less so with my mom, thankfully!)