Perhaps my healthiest habits are those I don't do, ie, cooking at home vs. eating out and not smoking. I try to eat more veggies and live in fear that the doctor will ban chocolate from my diet.
Make sure you use it occasionally, or the credit card issuer may cancel it due to inactivity. It happened to me three times in a year, before I realized what was happening.The
I agree with the above statement I work for a bank ten years now have multiple accounts with them I may add, had a credit card with them but couldnt keep up with the payments because of a sick child I am currently paying on the card which is at a low balance now and I have been denied twice when I applied for a credit card so in a nut shell doesn't matter what type of relationship you have with them they will deny without hesitation.
I love this article. It really hits home for me as I also have some really old photos of my family and they are starting to fade (I want to preserve them for future generations). I will pick up a box like you described from the container store. That is an excellent first step. Thanks
I don't like any of these desks because they lack storage capabilities that most desks have. They could be useful if used in addition to a regular desk. I also have medical issues (peripheral neuropathy) that make prolonged standing difficult for me.
"For the wealthy those questions never arose because for them, the answer is easy (pay for it out of savings or put it on the credit card)."
The truly wealthy and fiscally savvy person wouldn't use a credit card. They would pay cash or use a debit card. A person who is poor has no business taking on debt and a wealthy person can pay with cash or a debit card and therefore has no need for debt.
You don't build wealth by going into debt. That's like digging yourself into a hole in order to climb a mountain. By taking out a loan, your money is going to someone else instead of going into your savings. And you pay them to let you do that! That's even more money lost.
I only have one small debt. If I'd been handling my money better when I was younger, I wouldn't even have that debt today. I have no credit card debt. I pay cash for everything or use my debit card (I still pay my rent by personal check). I live below my means and am building an emergency fund and I make only slightly more than minimum wage. In other words, I live on a budget. I tell my money where to go instead of wondering where it went. It's called being a mature adult. By this time next year, my debt will be paid off and I will be debt free! I'll take the money that I'd been putting towards my debt and fully fund (three to six months of expenses) my emergency fund and then build up my retirement in addition to what my employer may be already contributing. When you get rid of debt, you have more money to work with. You can save, spend and and give to charities. That's not "or", that's "and" as in do all three at the same time.
I agree with your idea and points. I wish this post had more practical information for people who disagree with being wage slaves.
I know I'd like to know more, because starting a small business isn't simple, when the rule of gov' is becoming more aggressive and the market is becoming weaker and hazardous.
I have a feeling most Wise Bread readers are too savvy for this kind of scam. However, you may have friends and family who don't follow these things as closely as you do (I know my Dad still opens every piece of spam he finds in his mailbox regardless of how many times I tried to stop him!)
I have the cordless GreenWorks electric mower. My house has a tiny lot, but there are lots of obstacles (trees, raised garden beds) and hills. I also used to have a push reel mower, but I sold that after a few weeks...way too many gumballs and trees to mow around. My only regret was not paying $100 more for the self-propelled electric mower. It is a struggle pushing that thing around my hilly yard.
I would have a night devoted to me and my girlfriends. I would hit the arcade, go bowling, catch a movie, go out on a date, go to the spa, get a haircut, get a Brazilian bikini wax, hell the possibilities are endless.
Oh I love this post and I love Starbucks. I just wrote a post on Dinks Finance about all the things that I don't want to do because I would rather spend my money and go to Starbucks. I will take all the savings tips at my favorite coffee house that I can get.
First goal is to save at least six months of living expenses - I'm about halfway there.
Second goal is save enough money for a vacation to remember that I'm planning for next summer.
Third goal is to eliminate unnecessary expenses, starting with cable TV and getting rid of a few other subscription services I don't use enough to justify.
Fourth goal is to come up with one or two side income streams that would help with all of the above.
There are more, but thanks for asking the question, made me think and write down some answers!
We try to eat healthily, sleep consistently, and keep stress at a low level. Exercise is still hit or miss, but we do try to stay healthy as a family.
I always drink a lot of water because if I don't, I get sick.
Perhaps my healthiest habits are those I don't do, ie, cooking at home vs. eating out and not smoking. I try to eat more veggies and live in fear that the doctor will ban chocolate from my diet.
Make sure you use it occasionally, or the credit card issuer may cancel it due to inactivity. It happened to me three times in a year, before I realized what was happening.The
You should really add the HomeBudget App for Android and Iphone
I agree with the above statement I work for a bank ten years now have multiple accounts with them I may add, had a credit card with them but couldnt keep up with the payments because of a sick child I am currently paying on the card which is at a low balance now and I have been denied twice when I applied for a credit card so in a nut shell doesn't matter what type of relationship you have with them they will deny without hesitation.
Our priority is to pay off all unsecured debt
My top financial priority is saving up for retirement. We already have a emergency fund and the girls college fund set up.
I like the Fujitsu ScanSnap simply because it is very compact and the price is reasonable for what you get out of the box.
I love this article. It really hits home for me as I also have some really old photos of my family and they are starting to fade (I want to preserve them for future generations). I will pick up a box like you described from the container store. That is an excellent first step. Thanks
I don't like any of these desks because they lack storage capabilities that most desks have. They could be useful if used in addition to a regular desk. I also have medical issues (peripheral neuropathy) that make prolonged standing difficult for me.
Great list! I had never heard of many of these and now they are bookmarked as favorites! Holiday shopping around the corner, you know?
The timing on this list is impeccable! I'm getting ready to pack for a trip to Italy and was getting overwhelmed. Can't wait to try this app!
~Emily
I take issue with one statement:
"For the wealthy those questions never arose because for them, the answer is easy (pay for it out of savings or put it on the credit card)."
The truly wealthy and fiscally savvy person wouldn't use a credit card. They would pay cash or use a debit card. A person who is poor has no business taking on debt and a wealthy person can pay with cash or a debit card and therefore has no need for debt.
You don't build wealth by going into debt. That's like digging yourself into a hole in order to climb a mountain. By taking out a loan, your money is going to someone else instead of going into your savings. And you pay them to let you do that! That's even more money lost.
I only have one small debt. If I'd been handling my money better when I was younger, I wouldn't even have that debt today. I have no credit card debt. I pay cash for everything or use my debit card (I still pay my rent by personal check). I live below my means and am building an emergency fund and I make only slightly more than minimum wage. In other words, I live on a budget. I tell my money where to go instead of wondering where it went. It's called being a mature adult. By this time next year, my debt will be paid off and I will be debt free! I'll take the money that I'd been putting towards my debt and fully fund (three to six months of expenses) my emergency fund and then build up my retirement in addition to what my employer may be already contributing. When you get rid of debt, you have more money to work with. You can save, spend and and give to charities. That's not "or", that's "and" as in do all three at the same time.
I agree with your idea and points. I wish this post had more practical information for people who disagree with being wage slaves.
I know I'd like to know more, because starting a small business isn't simple, when the rule of gov' is becoming more aggressive and the market is becoming weaker and hazardous.
Paying off debt, I still have old college loans and trying to keep rent and utilities current
My top financial priority is paying off credit card debt.
Our top priority is staying out of debt (credit cards, etc.).
I have a feeling most Wise Bread readers are too savvy for this kind of scam. However, you may have friends and family who don't follow these things as closely as you do (I know my Dad still opens every piece of spam he finds in his mailbox regardless of how many times I tried to stop him!)
So I hope you can help us spread the word. =)
I have the cordless GreenWorks electric mower. My house has a tiny lot, but there are lots of obstacles (trees, raised garden beds) and hills. I also used to have a push reel mower, but I sold that after a few weeks...way too many gumballs and trees to mow around. My only regret was not paying $100 more for the self-propelled electric mower. It is a struggle pushing that thing around my hilly yard.
I would have a night devoted to me and my girlfriends. I would hit the arcade, go bowling, catch a movie, go out on a date, go to the spa, get a haircut, get a Brazilian bikini wax, hell the possibilities are endless.
I really want to try it but first I would like to know if it works the same way for St. Augustine grass... Thanks for the info...
Second that Nancy! :O)
Oh I love this post and I love Starbucks. I just wrote a post on Dinks Finance about all the things that I don't want to do because I would rather spend my money and go to Starbucks. I will take all the savings tips at my favorite coffee house that I can get.
First goal is to save at least six months of living expenses - I'm about halfway there.
Second goal is save enough money for a vacation to remember that I'm planning for next summer.
Third goal is to eliminate unnecessary expenses, starting with cable TV and getting rid of a few other subscription services I don't use enough to justify.
Fourth goal is to come up with one or two side income streams that would help with all of the above.
There are more, but thanks for asking the question, made me think and write down some answers!