It’s sad (but true) that over time, the survival instincts haven’t completely been replaced with wisdom. Instincts work in a tricky way. While it may look completely natural and innocent to do things a certain way, it could eventually work against you. By the way, great post. It really engrossed me from beginning to end. Great job!
Very true, Julie! These three instincts definitely do play a large role in investment behavior. But, ignoring these instincts is easier said than done.
Guest, as a retired Army wife who has had to do a lot of hole filling both in our quarters, apartments and an apartment complex we were assistant managers of DO NOT use toothpaste. Oh, it'll help you with passing your cleaning and broken objects, etc to get your deposit back or for the Housing Office to ok your quarters as clean and all, but when they come into paint, the toothpaste foams up and is a mess to clean! We found this out after we had to paint an apartment while being assistant managers in El Paso, TX and had to fill holes and paint a horribly left apartment. What a mess! We never used toothpaste again. This was back in the 70s so we were using the old tried and true toothpaste and it really was a mess and also the Housing Office for the military quarters also told anyone who used it would fail the inspection and have to fix before they could clear quarters. Just a note on that part. I meant to mention it with my first comment though.
Asking questions is one way to learn stuff; it also tells you a couple of things about the advisor. Is he/she answering your questions properly? Or just brushing them aside impatiently? Does he/she give dodgy replies? The attitude of the financial advisor matters too, imo.
After reading some of the uses for toothpaste I realized that in my teens and when I first got married I had used regular ordinary white toothpaste to clean sinks, chrome, and yes, I even had used it on my face as a teen. It really does work and 42 yrs ago when we first got married hubby was in the Army and money was pretty tight so finding ways to save was great! The vinegar is another great cleaner, you can even use it after washing your hair to rinse it. It doesn't dry it out and the smell evaporates almost immediately! The shine is remarkable as well!
I think somebody needs to step up and put a petition in that if they can report bad credit they should also have to report good credit. Its a double edged sword and the credit system has failed more people then help. Companies can report bad credit at a drop of a dime such as the utility companies don't pay and they report you to the credit companies pay them on time for 50 years and they report nothing to your credit........ Seems like a little unfair to the american people if you ask me. My advice to you stick to debit cards if you can't pay cash then don't buy it. Cash is king in my household.
I buy gifts all year long for Christmas and birthdays, to save money. I rarely decorate for holidays, and when I do it is very little. I get tired of retail commercializing every holiday, and having things out months in advance for Christmas.
My holiday prep has consisted of budgeting for the holidays that are upcoming. Not only gift giving, but for the extra gas to travel, money to spend of big meals (I've got $300 budgeted for Thanksgiving alone! And there's usually only 4 or 5 of us...8-10 dogs, but only around 5 humans...) This is the ONLY way we'd survive the holidays as we have vowed nothing more on credit cards in order to stay on track with our Sept. 2015 total payoff schedule. :)
I bring a container with me into the restaurant. A nice Rubbermaid one with lid-lock latches. As soon as the food is delivered, I divide it in half and put half away. Out of sight, out of mind. Half a portion is plenty from most restaurants. So then I have another meal for the next day. Yes, all resturants have to go containers but I like the heavy duty, washable, reusable, microwave safe ones I bring. Plus it keeps disposable Styrofoam out of landfills.
Please don't encourage people to threaten "legal action" because a person wants the rules bent. People behind a cash register don't deserve that. Just because he/she changed his/her mind doesn't mean a store's fully up-front policy must not apply.
Awesome! I'm eating a ton of potatoes after reading The Starch Solution by Dr. McDougall. I've lost over 14 lbs in 2.5 months and my blood pressure is 105/72 which is insane as the systolic used to be over 140.
Another fact that I would add is potatoes are incredibly satiating, over 320% compared to other foods based on the satiety index. This means you stay full for many hours and aren't tempted to snack on extra and often bad calories. I eat potatoes without any added fat - mashed potatoes and no fat brown gravy, baked fries with ketchup and/or gravy, etc. You can even blend them in the Vitamix for an incredibly creamy potato soup and I add the creaminess to my indian curry dishes. I rarely peel the potatoes either, even for mashed potatoes.
I started 2 days after last Christmas. I spend Christmas with my adopted family of 9 (and 3 dogs) out of state so we always go shop the after Christmas sales. Last year I picked up some presents and left them on the shelf in the closet of the spare bedroom. I think I had picked up 5 or 6 gifts for various people. I'm always on the lookout for gifty things. My adopted neices are in their mid-twenties and prefer to get small goodies from me (including some cash). I think it lets them still be kids even though they are both sucessful young women. The only problem is having to be sure I have the same amount of presents for each one (usually 8-10), some years it has taken some work since they both have very different tastes (but that makes it more fun for me). I make sure to hit the dollar store about once a month or so to look for another little trinket to add to their collection. I've already picked up about 6 things for each girl. I do probably spend a little more than I should overall but when I'm picking up presents here and there I'm able to spread out my spending and not put a huge dent in my wallet (plus I don't use credit cards). My friends usually get restaurant gift cards so I wait until close to the holidays when the restaurants start their promos and then pick up cards along the way.
I have started holiday prep, sort of. We bought my daughter a gift, and then my husband lost his job, so we decided to hang on to it for Christmas. then I saw a great sale for items for my husband and our renter just about a week ago, so I have a little something for them, too. In addition, I have something pre-ordered on Amazon using points from my Amazon Visa card and am saving those and my Swagbucks gift cards for gifts.
Nice list of Amazon savings ideas. I hadn't heard of some of them.
The subscribe & save offer usually means getting more stuff than I need, though. I can usually save more by just getting what I need, when I need it from the local stores, using coupons and looking for sales. My wife and I each did the 30-day Free Prime Trial in succession. Prime membership has some great perks, but it is hard to see getting $79-worth out of it. I do utilize the Top 100 Free Kindle books a lot.
Or just avoid the whole mess altogether, get accomodations through airbnb.
It’s sad (but true) that over time, the survival instincts haven’t completely been replaced with wisdom. Instincts work in a tricky way. While it may look completely natural and innocent to do things a certain way, it could eventually work against you. By the way, great post. It really engrossed me from beginning to end. Great job!
When did Chase start offering a secured CC? I believe they favor above average credit, correct?
Very true, Julie! These three instincts definitely do play a large role in investment behavior. But, ignoring these instincts is easier said than done.
Inside of skin also excellent for burns - really works well. Apply immediately.
Guest, as a retired Army wife who has had to do a lot of hole filling both in our quarters, apartments and an apartment complex we were assistant managers of DO NOT use toothpaste. Oh, it'll help you with passing your cleaning and broken objects, etc to get your deposit back or for the Housing Office to ok your quarters as clean and all, but when they come into paint, the toothpaste foams up and is a mess to clean! We found this out after we had to paint an apartment while being assistant managers in El Paso, TX and had to fill holes and paint a horribly left apartment. What a mess! We never used toothpaste again. This was back in the 70s so we were using the old tried and true toothpaste and it really was a mess and also the Housing Office for the military quarters also told anyone who used it would fail the inspection and have to fix before they could clear quarters. Just a note on that part. I meant to mention it with my first comment though.
Asking questions is one way to learn stuff; it also tells you a couple of things about the advisor. Is he/she answering your questions properly? Or just brushing them aside impatiently? Does he/she give dodgy replies? The attitude of the financial advisor matters too, imo.
After reading some of the uses for toothpaste I realized that in my teens and when I first got married I had used regular ordinary white toothpaste to clean sinks, chrome, and yes, I even had used it on my face as a teen. It really does work and 42 yrs ago when we first got married hubby was in the Army and money was pretty tight so finding ways to save was great! The vinegar is another great cleaner, you can even use it after washing your hair to rinse it. It doesn't dry it out and the smell evaporates almost immediately! The shine is remarkable as well!
I think somebody needs to step up and put a petition in that if they can report bad credit they should also have to report good credit. Its a double edged sword and the credit system has failed more people then help. Companies can report bad credit at a drop of a dime such as the utility companies don't pay and they report you to the credit companies pay them on time for 50 years and they report nothing to your credit........ Seems like a little unfair to the american people if you ask me. My advice to you stick to debit cards if you can't pay cash then don't buy it. Cash is king in my household.
no i haven't. it is still kinda warm here in socal so i haven't even begun to think about the holidays!
I recently bought my baby his first toy for Christmas since the toy was on sale for a good price.
I buy gifts all year long for Christmas and birthdays, to save money. I rarely decorate for holidays, and when I do it is very little. I get tired of retail commercializing every holiday, and having things out months in advance for Christmas.
Not a chance. The holidays are almost three months off, a quarter of a year away. I start on the holidays usually in mid-to-late November.
I have started some crafts and other things! I start super early to save money
My holiday prep has consisted of budgeting for the holidays that are upcoming. Not only gift giving, but for the extra gas to travel, money to spend of big meals (I've got $300 budgeted for Thanksgiving alone! And there's usually only 4 or 5 of us...8-10 dogs, but only around 5 humans...) This is the ONLY way we'd survive the holidays as we have vowed nothing more on credit cards in order to stay on track with our Sept. 2015 total payoff schedule. :)
I bring a container with me into the restaurant. A nice Rubbermaid one with lid-lock latches. As soon as the food is delivered, I divide it in half and put half away. Out of sight, out of mind. Half a portion is plenty from most restaurants. So then I have another meal for the next day. Yes, all resturants have to go containers but I like the heavy duty, washable, reusable, microwave safe ones I bring. Plus it keeps disposable Styrofoam out of landfills.
Please don't encourage people to threaten "legal action" because a person wants the rules bent. People behind a cash register don't deserve that. Just because he/she changed his/her mind doesn't mean a store's fully up-front policy must not apply.
That is a big, resounding, NO. I went into a store and saw Xmas decorations already up and I couldn't believe it. I need to get a move on!
Awesome! I'm eating a ton of potatoes after reading The Starch Solution by Dr. McDougall. I've lost over 14 lbs in 2.5 months and my blood pressure is 105/72 which is insane as the systolic used to be over 140.
Another fact that I would add is potatoes are incredibly satiating, over 320% compared to other foods based on the satiety index. This means you stay full for many hours and aren't tempted to snack on extra and often bad calories. I eat potatoes without any added fat - mashed potatoes and no fat brown gravy, baked fries with ketchup and/or gravy, etc. You can even blend them in the Vitamix for an incredibly creamy potato soup and I add the creaminess to my indian curry dishes. I rarely peel the potatoes either, even for mashed potatoes.
I started 2 days after last Christmas. I spend Christmas with my adopted family of 9 (and 3 dogs) out of state so we always go shop the after Christmas sales. Last year I picked up some presents and left them on the shelf in the closet of the spare bedroom. I think I had picked up 5 or 6 gifts for various people. I'm always on the lookout for gifty things. My adopted neices are in their mid-twenties and prefer to get small goodies from me (including some cash). I think it lets them still be kids even though they are both sucessful young women. The only problem is having to be sure I have the same amount of presents for each one (usually 8-10), some years it has taken some work since they both have very different tastes (but that makes it more fun for me). I make sure to hit the dollar store about once a month or so to look for another little trinket to add to their collection. I've already picked up about 6 things for each girl. I do probably spend a little more than I should overall but when I'm picking up presents here and there I'm able to spread out my spending and not put a huge dent in my wallet (plus I don't use credit cards). My friends usually get restaurant gift cards so I wait until close to the holidays when the restaurants start their promos and then pick up cards along the way.
I have started holiday prep, sort of. We bought my daughter a gift, and then my husband lost his job, so we decided to hang on to it for Christmas. then I saw a great sale for items for my husband and our renter just about a week ago, so I have a little something for them, too. In addition, I have something pre-ordered on Amazon using points from my Amazon Visa card and am saving those and my Swagbucks gift cards for gifts.
I agree. I didn't think catching up on DVR was frugal :/
Nice list of Amazon savings ideas. I hadn't heard of some of them.
The subscribe & save offer usually means getting more stuff than I need, though. I can usually save more by just getting what I need, when I need it from the local stores, using coupons and looking for sales. My wife and I each did the 30-day Free Prime Trial in succession. Prime membership has some great perks, but it is hard to see getting $79-worth out of it. I do utilize the Top 100 Free Kindle books a lot.
Make sure local laws and any HOA regs you're under allow for this!
Exactly!