I am a firm believer in "The List" and I have many. The most pressing items go in a "Today/Week" list. I title it this way so it gives me room to get things done. Obviously the things that have to be done Today go in the Today section at the top of my list and things that must be completed by the end of the week go on the bottom.
I use Microsoft Word for this with a bold title line and bullets for each item This works so well for me I have made a folder on my desktop "Varoius TO Do Lists" Within this folder I have all my sists and a Word template made so when I need a new list I just open the template change the title and enter my items. Upon closing I am prompted to save under the file name of my choice. Great system.
As I said, I have many lists. I am currently repairing a work van which is a major project. So I have a Van To Do List with all necessesary repaiirs prooritized. I can indent the bullets for steps to be done to complete each repair. Another list Is for a Vehicle Emergency Kit that i am putting together. I list everything i can think of that I want in this kit and as I buy it i cross it off the list. Talk about a feeling of accomplishment.
And there are planty more that I won't go into, Recreation, Short and Long Road Trips, Grocery List, Tool and Epuipment Lists etc.
Bottom line, when you put it on a list it get's done. Good luck with listing it truly can change your life
I'm definitely introvert and prefer to listen rather than share but I've been described by many students as charming...so don't worry, both introverts and extroverts can be charming in their own way :)
I use vouchers all the time. This is a nice way to try a nice dinner at half the cost. Recently, I bought one for a murder mystery dinner theatre. It was for 2. I split the voucher cost with a friend so we had entertainment and a meal for an inexpensive price.
Every retiree has his own savings that they need to turn into a source of income. And annuity is designed exactly to do so. That’s why there is a logical appeal to annuity. But in my view, all annuity products might not be equally suitable for people of all ages. I think fixed type of annuity suits most with the people reaching their retirement, where as relatively young people should invest in a variable annuity.
Although I believe that ARMs are usually not as good as fixed mortgages, my first mortgage was an ARM and it worked well for me.
Because I paid quite a bit extra each month, the principal went down quickly. When the rate adjusted, even though the rate increased, my monthly payment decreased. The reduced principal was stretched through to the remaining years left in the mortgage, so the P&I lowered. I was very thankful for this reduced monthly payment during a period of extended unemployment.
Do ARMs have their risks? Absolutely. But if you are disciplined enough, you can benefit from them as well.
for me, taking money out of a 401k and paying interest and penalties. And spending all the money. dumb. never touch your retirement money until you reach retirement age. don't even touch this money to pay down debt. BAD idea. leave this money alone until you reach retirement age.
I use a mix of index and actively managed funds. I do like index funds due to their simplicity, and ability to beat most active funds. However, I do feel you can find some solid active funds that have low costs and can match or beat the market. Overall, this is a very good article.
I like buying when things are just not in season. It sucks though that its hard to buy school clothes for the boys early simply because the are growing so much. We have no clue what size the will be a month or so from now so we tend to have to wait until the last minute.
I like the winter gear I have found some nice jackets their that were in really great shape. Never thought about office supplies but that surely would save a lot of money on the little thing that the kids need when school starts. Thanks for the tips Tisha!
We didn't enroll in formal college savings accounts for our kids because when the kids were young there was a strong chance we would be overseas for those years.
Fortunately, the kids are in college with scholarships and savings. We pick up the difference, books, parking, car maintenance, gas, phones, rent etc. We are half way through and everyone is still debt free. It's not easy, but well worth it.
I love a long soak in the tub on Sunday nights. I sometimes do it as early at 5 or 6, and then just laze out the rest of the evening, a bit like an old lady, happy in my pj's at sunset. It's the only night I can usually do something like this, provided I've done my laundry earlier. It's a restorative break between the social activities of the weekend and the work activities of the week.
So fun to remember some of this. My parents stretched every penny, and our summer 'vacation' was usually a long day at the Michigan Dunes, a 3 hour drive from home. When I would wake to the smell of frying chicken and a spice cake baking, I knew it was a "Dunes Day", because we never ate carryout or fast food, my mother always cooked a meal in the morning to take for a picnic. The big extravagence was a tin of round hard candies. It probably cost $1.00 but we only had that candy on Dunes Days--and the tin, of course, was saved and used to collect spare change on our desks. Can you imagine that being the high point of any kid's summer now? But it was the great outdoors and a day climbing the dunes for the thrill of running down them at top speed over and over, rolling in the sand, and then swimming in Lake Michigan left us limp with the best kind of exhaustion. I do remember my dad having to fill the gas tank on the way there and the way home and feeling like they were spending a lot of money on us for that one day.
I like the E*Trade commercials, but I have no compelling reason to switch my accounts from Vanguard, Fidelity, and Schwab. These three all have low-cost passive index funds. Fido has commission-free trades of 65 iShares ETFs. Schwab has their own commission-free ETFs, as does Vanguard.
I have been an e*trade customer for several years. They were very helpful when I inherited 2 small IRAs, they guided me through the steps to transfer these into my e*trade account without any income tax problems.
Since your payment fits into your current budget, I think you're right on track. When you've paid it off 3 years from now, you can "transfer" the payment to yourself and your future savings.
I'm very disappointed in the low savings rate. For me personally, at this time, as long as rates remain low I will stay thrifty and spend little discretionary money. And I'm way to worried to take what little money I do have and 'invest' it.
you can order ink cartridges online. Try searching Ink Cartridges in City for a more local option, might be faster. Also I'd consider looking into refurbished ink. Depends on the company but most have the same quality as new.
I am a firm believer in "The List" and I have many. The most pressing items go in a "Today/Week" list. I title it this way so it gives me room to get things done. Obviously the things that have to be done Today go in the Today section at the top of my list and things that must be completed by the end of the week go on the bottom.
I use Microsoft Word for this with a bold title line and bullets for each item This works so well for me I have made a folder on my desktop "Varoius TO Do Lists" Within this folder I have all my sists and a Word template made so when I need a new list I just open the template change the title and enter my items. Upon closing I am prompted to save under the file name of my choice. Great system.
As I said, I have many lists. I am currently repairing a work van which is a major project. So I have a Van To Do List with all necessesary repaiirs prooritized. I can indent the bullets for steps to be done to complete each repair. Another list Is for a Vehicle Emergency Kit that i am putting together. I list everything i can think of that I want in this kit and as I buy it i cross it off the list. Talk about a feeling of accomplishment.
And there are planty more that I won't go into, Recreation, Short and Long Road Trips, Grocery List, Tool and Epuipment Lists etc.
Bottom line, when you put it on a list it get's done. Good luck with listing it truly can change your life
We buy mostly travel vouchers.
I've been researching where to take my business for some time now. I'm not quite ready to make the jump, but thanks for the helpful information.
I'm definitely introvert and prefer to listen rather than share but I've been described by many students as charming...so don't worry, both introverts and extroverts can be charming in their own way :)
I use vouchers all the time. This is a nice way to try a nice dinner at half the cost. Recently, I bought one for a murder mystery dinner theatre. It was for 2. I split the voucher cost with a friend so we had entertainment and a meal for an inexpensive price.
Every retiree has his own savings that they need to turn into a source of income. And annuity is designed exactly to do so. That’s why there is a logical appeal to annuity. But in my view, all annuity products might not be equally suitable for people of all ages. I think fixed type of annuity suits most with the people reaching their retirement, where as relatively young people should invest in a variable annuity.
Although I believe that ARMs are usually not as good as fixed mortgages, my first mortgage was an ARM and it worked well for me.
Because I paid quite a bit extra each month, the principal went down quickly. When the rate adjusted, even though the rate increased, my monthly payment decreased. The reduced principal was stretched through to the remaining years left in the mortgage, so the P&I lowered. I was very thankful for this reduced monthly payment during a period of extended unemployment.
Do ARMs have their risks? Absolutely. But if you are disciplined enough, you can benefit from them as well.
We're in a rural area and most vouchers don't apply to us. I'm also too afraid of missing the deal once I've purchased them.
I registered!
for me, taking money out of a 401k and paying interest and penalties. And spending all the money. dumb. never touch your retirement money until you reach retirement age. don't even touch this money to pay down debt. BAD idea. leave this money alone until you reach retirement age.
I use a mix of index and actively managed funds. I do like index funds due to their simplicity, and ability to beat most active funds. However, I do feel you can find some solid active funds that have low costs and can match or beat the market. Overall, this is a very good article.
I like buying when things are just not in season. It sucks though that its hard to buy school clothes for the boys early simply because the are growing so much. We have no clue what size the will be a month or so from now so we tend to have to wait until the last minute.
I like the winter gear I have found some nice jackets their that were in really great shape. Never thought about office supplies but that surely would save a lot of money on the little thing that the kids need when school starts. Thanks for the tips Tisha!
every now and then I do.....it's a great way to save money and an incentive to try a new restaurant....
too bad it doesn't work on the top of the line android phones. its because Bluetooth 4.0 isn't stable on them. hint hint samsung!!
We didn't enroll in formal college savings accounts for our kids because when the kids were young there was a strong chance we would be overseas for those years.
Fortunately, the kids are in college with scholarships and savings. We pick up the difference, books, parking, car maintenance, gas, phones, rent etc. We are half way through and everyone is still debt free. It's not easy, but well worth it.
I buy children's products and gift cards from Groupon. I"m also a big fan of Yes to Carrots and other naturally based skin products.
I love a long soak in the tub on Sunday nights. I sometimes do it as early at 5 or 6, and then just laze out the rest of the evening, a bit like an old lady, happy in my pj's at sunset. It's the only night I can usually do something like this, provided I've done my laundry earlier. It's a restorative break between the social activities of the weekend and the work activities of the week.
So fun to remember some of this. My parents stretched every penny, and our summer 'vacation' was usually a long day at the Michigan Dunes, a 3 hour drive from home. When I would wake to the smell of frying chicken and a spice cake baking, I knew it was a "Dunes Day", because we never ate carryout or fast food, my mother always cooked a meal in the morning to take for a picnic. The big extravagence was a tin of round hard candies. It probably cost $1.00 but we only had that candy on Dunes Days--and the tin, of course, was saved and used to collect spare change on our desks. Can you imagine that being the high point of any kid's summer now? But it was the great outdoors and a day climbing the dunes for the thrill of running down them at top speed over and over, rolling in the sand, and then swimming in Lake Michigan left us limp with the best kind of exhaustion. I do remember my dad having to fill the gas tank on the way there and the way home and feeling like they were spending a lot of money on us for that one day.
I like the E*Trade commercials, but I have no compelling reason to switch my accounts from Vanguard, Fidelity, and Schwab. These three all have low-cost passive index funds. Fido has commission-free trades of 65 iShares ETFs. Schwab has their own commission-free ETFs, as does Vanguard.
I have been an e*trade customer for several years. They were very helpful when I inherited 2 small IRAs, they guided me through the steps to transfer these into my e*trade account without any income tax problems.
You're welcome!
Since your payment fits into your current budget, I think you're right on track. When you've paid it off 3 years from now, you can "transfer" the payment to yourself and your future savings.
Good luck.
Those videos were pretty funny haha
I'm very disappointed in the low savings rate. For me personally, at this time, as long as rates remain low I will stay thrifty and spend little discretionary money. And I'm way to worried to take what little money I do have and 'invest' it.
you can order ink cartridges online. Try searching Ink Cartridges in City for a more local option, might be faster. Also I'd consider looking into refurbished ink. Depends on the company but most have the same quality as new.