I plan to check it out from the library, maybe, or ask my husband if he'd look into getting a copy for me. Which he won't, because (being a geek god and being the main programmer for an expanding company) he's too busy doing the things this book talks about to get me a copy so I can do it too...
I bet that I'll even be more able to talk to him about work stuff, if I learn more about what my computer is about etc. Going to go get a link to the book, and see if the library has it in their catalogue yet... :)
Credit card usage is similar to drug addiction - just dont start. I'm thrilled for people who are responsible and foresighted enough to pay their balances in full on time, but I dont agree for their mean-spirited comments directed at those who are perhaps less "together" with their finances. It comes down to knowing your own tendencies and not putting yourself in a situation to fail. If you know you like spending a bit too much, dont get a credit card. Just dont go down that road. Focus on making more money, and just buy things with cash or debit card, once its gone, its done. And yes its possible to get along without CC's. I've been doing it for years. It simply forced me to find a way to increase my earnings so I can occasionally splurge on stuff I like without getting into long-term trouble. Repaying loans is very difficult for me, so I try not to take any.
If you're going to use non-paper towels for clean up - it's often useful to have a watered-down bucket of bleach (cold water and 200 ppm roughly). That way you can re-use rags/towels over and over again and not worry about spreading germs..
I couldn't have said it better myself. We are a one-income family also - have a 26" tube TV in the living room instead of a big screen, a 10 year old van and a 6 year old car instead of two newer vehicles with payments, buy a good portion of our groceries at Aldis, and a 50 year old 1400 sq ft house that we actually don't feel cramped in at all (family of four). But, we have the money to pursue our hobbies, and probably more net cash than many two income families. It's all about choices, and not worrying about what 'image' we are projecting out there to people that don't really care about us anyway.
You can distill wine (or beer), but that kind of misses the point. You go to a lot of effort (and some expense) to get just the right balance of flavors in wine or beer, so that it tastes good.
If you're planning on making moonshine, you can skip all that. Just ferment sugar water and then distill it. Minimal expense, minimal effort. After distilling, it's pretty much just going to taste like alcohol.
I suppose if you have a batch of beer or wine that comes out undrinkable, distilling it might save the day (depending on what was wrong with it).
I would love to read, enjoy and then pass along this book. My boyfriend is always telling me how much my work would be improved if I stepped up my digital efforts. Help me out, please :)
I definitely agree that frugality is about tradeoffs! My husband and I didn't start really saving money until we figured out what was worth our time and money. Then everything else just seemed... well, not worth it. Concentrating on what really matters, we both feel like our lives are fuller now than ever.
I also get the "you're so lucky" thing all the time, especially since I'm a stay at home wife. I do feel lucky in many ways. I am certainly lucky to have a supportive husband and we've had some great opportunities come our way. However, people don't realize why I became a stay at home wife (let's just say that things didn't go as planned), how hard I work to bring in extra income working from home, how hard I work to help my husband with things, and how much we've both sacrificed so that our current living expenses are less than half of our income. (Though again, we feel like our lives are much better for the tradeoffs we've made.) But yet, I get the impression that people think I just sit around eating bon-bons all day in front of the t.v. -- which is far from the truth.
I once got attitude from a young man going door to door trying to sell magazine subscriptions, I told him very nicely and politely that I didn't have any money to buy a subscription and he peered around my shoulder into my apartment, that me and my husband were sharing with two roommates at the time, and said it doesn't look like you don't have money.
I didn't know how to react and just smiled and closed the door. Because of the incident I have a very bad reaction when people say things like that to me now.
People always give me and my husband an odd look when we say we only have one car and he doesn't even have a license. It is just expected that since we are two adults we should have two cars. So needless to say I agree with you and understand.
Good question. We deal with several topics here at Wise Bread, including green living, DIY, productivity, and consumer affairs. Since recalls fall into the category of consumer affairs, this seemed appropriate. (We have covered recall news in the past that have dealt with Crocs shoes, baby formula, and lead in toys.)
If you are not interested in reading all of our articles, you can click on the headings at the top of any page to see just the articles for the particular category that interests you most.
People think I'm 'so lucky' to have been able to quit my job and go freelancer plus quadruple my salary in the process ($250k)...
Well it wasn't really all luck. I made the choice to leave, I did the searching, I asked for contacts, I worked hard and the opportunity was there, which was lucky for me... but it wasn't by LUCK that I wanted to quit. It was all conscious.
i gotta go with what barbara said about #3 & #4. maybe telling the truth might help break the spiral of spending. the trouble with not telling the truth is that you then have to remember the lie. who needs that much mental clutter? personally, i find it easy to say "i'm broke". i think that all lying does is feed into the spending beast.
I'm one of the lucky ones too. I do work, full-time, but my full-time job here in Egypt (I'm an American expat) is 35 hours a week, so I'm home with my kids by 4:30 most days, earlier if need be. And the vacation time is outrageous--six weeks' annual leave in the summer, plus a generous amount of holiday time (all American, Egyptian, Muslim, and Christian major holidays) during the year. We can easily afford a nanny here too. And being here means we can travel pretty cheaply to some really incredible places.
But it is a huge trade-off. Though I'm glad to be away from US consumerist culture, there are times when my kids have outgrown their clothes and I'd love to be able to dash down to Old Navy. And times when I really miss my favorite cereal. And times when I'd like to be able to wear a knee-length skirt when I walk down the street. We also don't have a car. But, we do have a great life.
Years ago I lived and worked in rural mountains, at an outdoor recreation outfitter's. People would tell me how great my life was, and how jealous they were. It was a great life. I also drove a ten year old Honda, while they sported a brand new SUV.
But--not everyone is lucky enough to be able to afford these choices. I was lucky to get out of college without debt (courtesy of my generous dad), and start my adult life with a great education. Huge advantages.
Over the years when I made different lifestyle choices for our family, I was viewed as odd or eccentric...I got more than a few eyerolls. When things went/go well for our family, I'm told how lucky I am. Bull----! It's all about choices...when they ran against the 'norm,' I was an oddball. Now that my chickens are coming home to roost (in a good way!), I'm just so lucky to have such smart kids, such healthy kids, to be able to stay home with them...blah blah blah...
I dearly wish to set up a wireless network in my home, but I haven't any idea how to begin. I'm woefully inept in other areas of technology as well, so this book would be perfect for me.
I'd love to win--this is just what I need! Thanks!
I plan to check it out from the library, maybe, or ask my husband if he'd look into getting a copy for me. Which he won't, because (being a geek god and being the main programmer for an expanding company) he's too busy doing the things this book talks about to get me a copy so I can do it too...
I bet that I'll even be more able to talk to him about work stuff, if I learn more about what my computer is about etc. Going to go get a link to the book, and see if the library has it in their catalogue yet... :)
Credit card usage is similar to drug addiction - just dont start. I'm thrilled for people who are responsible and foresighted enough to pay their balances in full on time, but I dont agree for their mean-spirited comments directed at those who are perhaps less "together" with their finances. It comes down to knowing your own tendencies and not putting yourself in a situation to fail. If you know you like spending a bit too much, dont get a credit card. Just dont go down that road. Focus on making more money, and just buy things with cash or debit card, once its gone, its done. And yes its possible to get along without CC's. I've been doing it for years. It simply forced me to find a way to increase my earnings so I can occasionally splurge on stuff I like without getting into long-term trouble. Repaying loans is very difficult for me, so I try not to take any.
If you're going to use non-paper towels for clean up - it's often useful to have a watered-down bucket of bleach (cold water and 200 ppm roughly). That way you can re-use rags/towels over and over again and not worry about spreading germs..
You would be surprised how many are buying for $2.95 and selling for $3.00 after really figuring expenses.
I couldn't have said it better myself. We are a one-income family also - have a 26" tube TV in the living room instead of a big screen, a 10 year old van and a 6 year old car instead of two newer vehicles with payments, buy a good portion of our groceries at Aldis, and a 50 year old 1400 sq ft house that we actually don't feel cramped in at all (family of four). But, we have the money to pursue our hobbies, and probably more net cash than many two income families. It's all about choices, and not worrying about what 'image' we are projecting out there to people that don't really care about us anyway.
You can distill wine (or beer), but that kind of misses the point. You go to a lot of effort (and some expense) to get just the right balance of flavors in wine or beer, so that it tastes good.
If you're planning on making moonshine, you can skip all that. Just ferment sugar water and then distill it. Minimal expense, minimal effort. After distilling, it's pretty much just going to taste like alcohol.
I suppose if you have a batch of beer or wine that comes out undrinkable, distilling it might save the day (depending on what was wrong with it).
I would love to read, enjoy and then pass along this book. My boyfriend is always telling me how much my work would be improved if I stepped up my digital efforts. Help me out, please :)
That made me laugh... Thank you!
I have just made my jvc xv-n370b purchaced from makro 31/12/08 multi region
i used the hack for the xv-n652
open tray press 0 three times
this brings up a menu
press 0 for multi region
press enter
press pause to exit
I definitely agree that frugality is about tradeoffs! My husband and I didn't start really saving money until we figured out what was worth our time and money. Then everything else just seemed... well, not worth it. Concentrating on what really matters, we both feel like our lives are fuller now than ever.
I also get the "you're so lucky" thing all the time, especially since I'm a stay at home wife. I do feel lucky in many ways. I am certainly lucky to have a supportive husband and we've had some great opportunities come our way. However, people don't realize why I became a stay at home wife (let's just say that things didn't go as planned), how hard I work to bring in extra income working from home, how hard I work to help my husband with things, and how much we've both sacrificed so that our current living expenses are less than half of our income. (Though again, we feel like our lives are much better for the tradeoffs we've made.) But yet, I get the impression that people think I just sit around eating bon-bons all day in front of the t.v. -- which is far from the truth.
With a book like this, I could finally understand what my boyfriend is talking about! He's a Geek God in his own right!
I once got attitude from a young man going door to door trying to sell magazine subscriptions, I told him very nicely and politely that I didn't have any money to buy a subscription and he peered around my shoulder into my apartment, that me and my husband were sharing with two roommates at the time, and said it doesn't look like you don't have money.
I didn't know how to react and just smiled and closed the door. Because of the incident I have a very bad reaction when people say things like that to me now.
People always give me and my husband an odd look when we say we only have one car and he doesn't even have a license. It is just expected that since we are two adults we should have two cars. So needless to say I agree with you and understand.
Good question. We deal with several topics here at Wise Bread, including green living, DIY, productivity, and consumer affairs. Since recalls fall into the category of consumer affairs, this seemed appropriate. (We have covered recall news in the past that have dealt with Crocs shoes, baby formula, and lead in toys.)
If you are not interested in reading all of our articles, you can click on the headings at the top of any page to see just the articles for the particular category that interests you most.
Thanks for reading!
Linsey Knerl
sounds like a good read - esp. section on shopping advice!
People think I'm 'so lucky' to have been able to quit my job and go freelancer plus quadruple my salary in the process ($250k)...
Well it wasn't really all luck. I made the choice to leave, I did the searching, I asked for contacts, I worked hard and the opportunity was there, which was lucky for me... but it wasn't by LUCK that I wanted to quit. It was all conscious.
Fabulously Broke in the City
Just a girl trying to find a balance between being a Shopaholic and a Saver...
Does anyone know directions to make this model into a universal (multi region) dvd player? Thanks so much.
i gotta go with what barbara said about #3 & #4. maybe telling the truth might help break the spiral of spending. the trouble with not telling the truth is that you then have to remember the lie. who needs that much mental clutter? personally, i find it easy to say "i'm broke". i think that all lying does is feed into the spending beast.
i live on the beach and wanted to know if i could make it with beach sand...
I make a lot of wine from kits etc. Instead of bottling the wine can it be run through a still to make moonshine?
What does this topic have to do with Personal Finance?
I'm one of the lucky ones too. I do work, full-time, but my full-time job here in Egypt (I'm an American expat) is 35 hours a week, so I'm home with my kids by 4:30 most days, earlier if need be. And the vacation time is outrageous--six weeks' annual leave in the summer, plus a generous amount of holiday time (all American, Egyptian, Muslim, and Christian major holidays) during the year. We can easily afford a nanny here too. And being here means we can travel pretty cheaply to some really incredible places.
But it is a huge trade-off. Though I'm glad to be away from US consumerist culture, there are times when my kids have outgrown their clothes and I'd love to be able to dash down to Old Navy. And times when I really miss my favorite cereal. And times when I'd like to be able to wear a knee-length skirt when I walk down the street. We also don't have a car. But, we do have a great life.
Years ago I lived and worked in rural mountains, at an outdoor recreation outfitter's. People would tell me how great my life was, and how jealous they were. It was a great life. I also drove a ten year old Honda, while they sported a brand new SUV.
But--not everyone is lucky enough to be able to afford these choices. I was lucky to get out of college without debt (courtesy of my generous dad), and start my adult life with a great education. Huge advantages.
Happy New Year!
That's amazing...
I never thought the day would come..
First dog food, then baby formula, then toys, and now A BOOK??
Is anything safe anymore?
Over the years when I made different lifestyle choices for our family, I was viewed as odd or eccentric...I got more than a few eyerolls. When things went/go well for our family, I'm told how lucky I am. Bull----! It's all about choices...when they ran against the 'norm,' I was an oddball. Now that my chickens are coming home to roost (in a good way!), I'm just so lucky to have such smart kids, such healthy kids, to be able to stay home with them...blah blah blah...
I dearly wish to set up a wireless network in my home, but I haven't any idea how to begin. I'm woefully inept in other areas of technology as well, so this book would be perfect for me.