When you pay cash, that will automatically become your Asset. You own it. But if you get a mortgage to buy your house, you can never say its yours. That's not yours yet. The Bank owns it....you can only say its yours when you are fully paid with your mortgage.
So if you can afford to pay cash, why don't you? It is always advisable to pay cash I tell you.
I appreciate the reason behind this article. While there is a psychological benefit from paying down your largest debt first. As with so many other financial situations the interest rate rules all. My wife and I have been using the avalanche method for the past two years and we have payed off almost $20,000 worth of debt. Before that we were using the snowball method and moving much more slowly. Avalanche is the way to go.
Right now, my top priority is to try to reduce our monthly costs...so that we are not barely making it thru each month. I would love to be able to start a savings to cover unexpected things!
I have a joint checking account with my Mom and opened us a new 360 account because I'm tired of my old banks fees. So far, I don't like it. Just signing into the account is awful. On top of that, it takes 2-4 business days for your account to be "fully established" and you can only link one other account to transfer funds to/from in the first 30 days. I have my own checking and savings account with Ally Bank and I like them so much more. Their whole website is easier to use and understand. I wish I had just opened another account with them. Capital One 360 is restricting to say the least.
As a single girl 32 year old, I want to make sure that i have enough savings in my retirement. I know if that aligns, I will be able to raise a family as there are always ways to feed people for a certain price (in a healthy way) but if you do not prepare for the time when you are unable to work, you will regret till the end of life.
One could desolder the PCBs (Printed Circuit Boards) in order to salvage the individual components. They could then be applied to future DIY projects or trade/resell to the discerning techie.
Recently booking a Hawaiian vacation rental, I was annoyed by the additional charges on sites like air bnb and vrbo. Cleaning fees that are more than the day rate, a 'stay' fee, and large security deposit. To me, since these places are competing with hotels and motels I can't see that they should charge a cleaning fee--it's part of the cost of being in business. I can't imagine a restaurant charging you a cleaning fee for getting clean cutlery. With the security deposits, I feel uneasy hoping to get it all back as opposed to having something withheld for dubious reasons. How do you prove a spot on the carpet was there when you arrived?
I made a point of booking places without any of those fees.
Thank you for sharing. I am definitely going to do this! Being in the US Army, this is a resort to some of the places I've slept in. Thank you for sharing, and I'll see you in the open roads!
I just made my top goal to be debt-free except for my house. Yeah!!!! Now my goal is to pay off the house in 10 years or less instead of the remanding 27 Years.
The savings on insurance won't be equally felt across age groups. Older people might find their premiums lower, but the far healthier 20-somethings are due for quite the shock.
Our priority is paying down our debts. We hopefully only have a year left until we'll simply be paying bills like electric or cable. After that, I'm hoping to roll the savings into land payment and a new car fund for hubby.
They'd still be free, as card companies charge the business a % that you use it at, anywhere from .75 to 3%. The card companies can make money off both ends.
Flossing is awesome. Last time I went for my checkup, the hygienist told me if I would be sure to floss for 21 days in a row, I would never miss a flossing again. And she was right. It is so easy to develop such a simple habit that does wonders for your dental health. Three straight weeks and the habit was formed. That would probably apply to other things, like making your bed and going for walks. Nice list!
Our top financial priority right now is to pay off some medical debts and the car loan so that we can start saving to get a house!
We're trying to find extra ways to make money, watch the budget carefully, and do what we can to throw money at it. Every bit helps.
A netspend card cannot be issued without a valid government ID number attached to it. Drivers license, passport, and a valid authenticated social security number. Whatever was sent to you was not an actual card, and you would have had to give your drivers license number, AND/OR confirm your home address to in fact apply for the real deal. Netspend is an agent of a bank, previously Inter National Bank of McCallen Texas, and now Bancshare Corp. and must follow US government rules.
My top financial priority is giving back to God out of what He's blessed me with. Before paying any bills, I set aside 10% for my local church, and also a monthly allotment for the children I sponsor through Compassion International. After that, my priority is the basics - food, housing, etc. I do think it's important to have an emergency fund, too!
IMO, Spotify is definitely worth paying for. I've found a ton of new artists through their service and love being able to download music to my phone for offline listening (esp. when traveling). I was on the fence with Pandora, didn't love it enough to pay the $3.99 fee, but the free version's ads were annoying to me. Anyway, I just found a great compromise b/c I'm now getting free Pandora One here (http://www.hitbliss.com/pandora.html)....well, "technically" free as I don't have to use a credit card or any cash (just watched ~5 mins of ads).
Anyway, when it comes to paid radio apps, I think bliss would be a Spotify/Pandora combo. This way you could have the random discovery component of Pandora w/ the downloading and playlist control of Spotify. If only Spotify could improve their radio some more (selection is too limited and I get lots of repeated songs on their genre radio stations). Thinking of checking our iRadio next (on my list).
When you pay cash, that will automatically become your Asset. You own it. But if you get a mortgage to buy your house, you can never say its yours. That's not yours yet. The Bank owns it....you can only say its yours when you are fully paid with your mortgage.
So if you can afford to pay cash, why don't you? It is always advisable to pay cash I tell you.
I appreciate the reason behind this article. While there is a psychological benefit from paying down your largest debt first. As with so many other financial situations the interest rate rules all. My wife and I have been using the avalanche method for the past two years and we have payed off almost $20,000 worth of debt. Before that we were using the snowball method and moving much more slowly. Avalanche is the way to go.
Right now, my top priority is to try to reduce our monthly costs...so that we are not barely making it thru each month. I would love to be able to start a savings to cover unexpected things!
Retirement savings top the list--but lately we've been encouraging the kids to pick up the coins they find and put those in their college funds.
I have a joint checking account with my Mom and opened us a new 360 account because I'm tired of my old banks fees. So far, I don't like it. Just signing into the account is awful. On top of that, it takes 2-4 business days for your account to be "fully established" and you can only link one other account to transfer funds to/from in the first 30 days. I have my own checking and savings account with Ally Bank and I like them so much more. Their whole website is easier to use and understand. I wish I had just opened another account with them. Capital One 360 is restricting to say the least.
As a single girl 32 year old, I want to make sure that i have enough savings in my retirement. I know if that aligns, I will be able to raise a family as there are always ways to feed people for a certain price (in a healthy way) but if you do not prepare for the time when you are unable to work, you will regret till the end of life.
One could desolder the PCBs (Printed Circuit Boards) in order to salvage the individual components. They could then be applied to future DIY projects or trade/resell to the discerning techie.
My top priority is putting some money into savings every month...so related to that, not blowing our budget. :-P Sorry, clearance endcaps at Target.
Recently booking a Hawaiian vacation rental, I was annoyed by the additional charges on sites like air bnb and vrbo. Cleaning fees that are more than the day rate, a 'stay' fee, and large security deposit. To me, since these places are competing with hotels and motels I can't see that they should charge a cleaning fee--it's part of the cost of being in business. I can't imagine a restaurant charging you a cleaning fee for getting clean cutlery. With the security deposits, I feel uneasy hoping to get it all back as opposed to having something withheld for dubious reasons. How do you prove a spot on the carpet was there when you arrived?
I made a point of booking places without any of those fees.
These are great ideas! I really like using frozen veggies and they're supposed to be just as nutritious. Yay!
Thank you for sharing. I am definitely going to do this! Being in the US Army, this is a resort to some of the places I've slept in. Thank you for sharing, and I'll see you in the open roads!
Making my student loan payments!
I just made my top goal to be debt-free except for my house. Yeah!!!! Now my goal is to pay off the house in 10 years or less instead of the remanding 27 Years.
I never heard of AmTrade and have no need of secured credit cards, but I always appreciate a heads-up on scammers.
The savings on insurance won't be equally felt across age groups. Older people might find their premiums lower, but the far healthier 20-somethings are due for quite the shock.
Our priority is paying down our debts. We hopefully only have a year left until we'll simply be paying bills like electric or cable. After that, I'm hoping to roll the savings into land payment and a new car fund for hubby.
They'd still be free, as card companies charge the business a % that you use it at, anywhere from .75 to 3%. The card companies can make money off both ends.
Flossing is awesome. Last time I went for my checkup, the hygienist told me if I would be sure to floss for 21 days in a row, I would never miss a flossing again. And she was right. It is so easy to develop such a simple habit that does wonders for your dental health. Three straight weeks and the habit was formed. That would probably apply to other things, like making your bed and going for walks. Nice list!
Our top financial priority right now is to pay off some medical debts and the car loan so that we can start saving to get a house!
We're trying to find extra ways to make money, watch the budget carefully, and do what we can to throw money at it. Every bit helps.
"The stunning boredom I left behind"
Thanks for my big laugh of the day!!
My top financial priority is saving for retirement as much as I can now so I have a comfortable living later.
A netspend card cannot be issued without a valid government ID number attached to it. Drivers license, passport, and a valid authenticated social security number. Whatever was sent to you was not an actual card, and you would have had to give your drivers license number, AND/OR confirm your home address to in fact apply for the real deal. Netspend is an agent of a bank, previously Inter National Bank of McCallen Texas, and now Bancshare Corp. and must follow US government rules.
Thanks for sharing these Starbucks secrets! I never considered bringing my own cup and that it would be cheaper, cool!
My top financial priority is giving back to God out of what He's blessed me with. Before paying any bills, I set aside 10% for my local church, and also a monthly allotment for the children I sponsor through Compassion International. After that, my priority is the basics - food, housing, etc. I do think it's important to have an emergency fund, too!
IMO, Spotify is definitely worth paying for. I've found a ton of new artists through their service and love being able to download music to my phone for offline listening (esp. when traveling). I was on the fence with Pandora, didn't love it enough to pay the $3.99 fee, but the free version's ads were annoying to me. Anyway, I just found a great compromise b/c I'm now getting free Pandora One here (http://www.hitbliss.com/pandora.html)....well, "technically" free as I don't have to use a credit card or any cash (just watched ~5 mins of ads).
Anyway, when it comes to paid radio apps, I think bliss would be a Spotify/Pandora combo. This way you could have the random discovery component of Pandora w/ the downloading and playlist control of Spotify. If only Spotify could improve their radio some more (selection is too limited and I get lots of repeated songs on their genre radio stations). Thinking of checking our iRadio next (on my list).