I have to agree with you on the Project Management (PMP) certification. I earned it close to 10 years ago now and to this very day receive multiple job notifications daily (and I am not looking). The downside, as you state, as it is a very high-pressure career BUT very exciting and there is never a dull moment. I highly recommend PMP certification to all of my friends and colleagues who are considering it - worth every penny.
Awesome article. I especially love how you noted how the fire rating and cash rating are not necessarily related. Most people typically associate these two. Another thing you might want to consider is whether you want a combination or electronic lock. Combination locks are usually preferred since there so durable but they usually take longer to open, which could be a drawback, especially in an emergency situation. There are other key factors to take in mind. It's just something to consider, since it's all about safety when it comes to selecting a safe.
Years ago I bought a number of foam pumpkins at Michaels when they were on sale. I've never carved them, just set them out in my fall decor. Because these pumpkins are light and can blow away, I still buy a few pumpkins at the lowest possible prices - again I don't carve them, so that I can have them in my yard decor through Thanksgiving. For treats I buy a big bag of candy from Sam's Club and also throw in some glow sticks so that bracelets, necklaces, tiaras, etc. can help with safety.
I celebrate Halloween frugally by not buying candy and not being home on Halloween. If I do need a costume, I always make one from items I have on hand. I have decorations that I've saved over the years that I reuse every year for Halloween and Fall.
I wait until after Halloween is over to buy sale candy and always make my own costume from stuff I already have or can get for cheap at the thrift store.
Like you said in the article, an ounce of prevention is always worth a ton of cure. Letting these money fears go unaddressed in your mind can really hurt your ability to enjoy life to its fullest. It may be hard to do things like set aside an emergency reserve or stop yourself from stressing about the daily ups and downs of the stock market, but it will be worth it to have the stress of fear of the unknown lifted from your mind.
These guideposts come from a study done by Fidelity back in 2012, and are based on a lot of assumptions that are important to note:
- The end goal was to have enough saved to be able to replace 85% of your income once you enter retirement, INCLUDING social security
- Retirement age of 67
- Saving 6% of salary beginning at age 25 and increasing 1% each year to eventually 12% deferrals
- 3% annual employer contribution
- No breaks in service or contributions, no loans and no withdrawals
- 5.5% annual rate of return on investments
- 1.5% annual salary increase
- Life expectancy of 92 (ie, retirement lasts 25 years).
So, like any other rules of thumb, your mileage may vary.
In my old neighborhood, we would cut-out jack-o-lanterns out of brown grocery bags and place them over smaller lamp posts. All the neighbors would participate, and it would create a very spooky and cool look!
I do the same I buy pretty much the same thing every two weeks but I do buy more veggies for salads and for making a stir fry. I also add beans to my salads along with a boiled egg or chicken breast for proteins and make a beans and rice dish.
I make my own bread buy using an inexpensive bread machine to make the dough and then I usually make a soft flat bread from it for using like an open sandwich in which I pile on a protein and veggies and then fold it up to eat or I can put on a few items and mozzarella and heat in the oven for a mini pizza.
Also, I cook both a ground turkey with mushrooms and seasoning and also some chicken breasts which I use for different meals during the week. I find these two meats give me a lot of variety for different meals at a lower cost. I have a low budget but I feel I eat very well and healthy from the items I do buy. Thanks for your article.
Boy what a difference a year makes. Eggs are now about three to four times the price you were paying in 2014. If our government would stop printing money, inflation would be under control!
The writer acts as if she is an authority but isn't correct on a few issues. 1 Softening systems are hooked into your main water line, usually by the water heater. So unless you want to pay a plumber extra for special plumbing its probably cheaper to install an RO system (reverse osmosis) to purify your drinking water. A plumber can also attach a line to the fridge. 2 When it comes to financing, the bank makes the money on the interest not the seller. It is easier and cheaper to pay cash if possible. So whether you finance or use a credit card there is no real difference then purchasing any other appliance. 3 Make sure you purchase from a reputable store or dealer that uses a licensed plumber so you wont have to worry about leaks because of improper installation. You don't want thousands of dollars in water damage.
Good place to start but I really need to know what sizes/weights of things you're buying. Bag of apples - what weight? PB what size jar - is it natural or like Jif? We don't have an Aldi's yet - one is being built to open in a few months and I will be checking prices. I can feed myself for about $20 a week as a whole-food, little oil added diabetic but for me that excludes good but cheap foods like pastas, almost all breads & crackers, potatoes and rice.
I have to agree with you on the Project Management (PMP) certification. I earned it close to 10 years ago now and to this very day receive multiple job notifications daily (and I am not looking). The downside, as you state, as it is a very high-pressure career BUT very exciting and there is never a dull moment. I highly recommend PMP certification to all of my friends and colleagues who are considering it - worth every penny.
I don't dress up or buy candy.
Awesome article. I especially love how you noted how the fire rating and cash rating are not necessarily related. Most people typically associate these two. Another thing you might want to consider is whether you want a combination or electronic lock. Combination locks are usually preferred since there so durable but they usually take longer to open, which could be a drawback, especially in an emergency situation. There are other key factors to take in mind. It's just something to consider, since it's all about safety when it comes to selecting a safe.
http://www.monomachines.com/shop/info/safes/Tips-for-selecting-a-safe.html
Years ago I bought a number of foam pumpkins at Michaels when they were on sale. I've never carved them, just set them out in my fall decor. Because these pumpkins are light and can blow away, I still buy a few pumpkins at the lowest possible prices - again I don't carve them, so that I can have them in my yard decor through Thanksgiving. For treats I buy a big bag of candy from Sam's Club and also throw in some glow sticks so that bracelets, necklaces, tiaras, etc. can help with safety.
We never spend <$5 on costumes and we host a potluck style party!
I celebrate Halloween frugally by not buying candy and not being home on Halloween. If I do need a costume, I always make one from items I have on hand. I have decorations that I've saved over the years that I reuse every year for Halloween and Fall.
We carve pumpkins, make some pumpkin seeds, pick up a pumpkin shaped pizza at Papa Murphy's for dinner, then go out trick or treat with the kids.
I wait until after Halloween is over to buy sale candy and always make my own costume from stuff I already have or can get for cheap at the thrift store.
We make homemade costumes. My son has fun and it saves a lot of money.
I don't dress up so I don't spend money on a costume. I buy candy the day after Halloween when it's discounted.
I've saved almost all the costumes my family has used in the past 30 years so have lots of different items to choose from.
Like you said in the article, an ounce of prevention is always worth a ton of cure. Letting these money fears go unaddressed in your mind can really hurt your ability to enjoy life to its fullest. It may be hard to do things like set aside an emergency reserve or stop yourself from stressing about the daily ups and downs of the stock market, but it will be worth it to have the stress of fear of the unknown lifted from your mind.
These guideposts come from a study done by Fidelity back in 2012, and are based on a lot of assumptions that are important to note:
- The end goal was to have enough saved to be able to replace 85% of your income once you enter retirement, INCLUDING social security
- Retirement age of 67
- Saving 6% of salary beginning at age 25 and increasing 1% each year to eventually 12% deferrals
- 3% annual employer contribution
- No breaks in service or contributions, no loans and no withdrawals
- 5.5% annual rate of return on investments
- 1.5% annual salary increase
- Life expectancy of 92 (ie, retirement lasts 25 years).
So, like any other rules of thumb, your mileage may vary.
does alcohol and vinegar mixed work?
my feelings, exactly.
In my old neighborhood, we would cut-out jack-o-lanterns out of brown grocery bags and place them over smaller lamp posts. All the neighbors would participate, and it would create a very spooky and cool look!
I celebrate Halloween frugally by buying treats at dollar stores
I personally love my Karmin :)
I shop at the second hand stores. So i find many items for next to nothing.
I do the same I buy pretty much the same thing every two weeks but I do buy more veggies for salads and for making a stir fry. I also add beans to my salads along with a boiled egg or chicken breast for proteins and make a beans and rice dish.
I make my own bread buy using an inexpensive bread machine to make the dough and then I usually make a soft flat bread from it for using like an open sandwich in which I pile on a protein and veggies and then fold it up to eat or I can put on a few items and mozzarella and heat in the oven for a mini pizza.
Also, I cook both a ground turkey with mushrooms and seasoning and also some chicken breasts which I use for different meals during the week. I find these two meats give me a lot of variety for different meals at a lower cost. I have a low budget but I feel I eat very well and healthy from the items I do buy. Thanks for your article.
I make our own Halloween costumes by collecting items during the year at yard sales. This saves me a lot of money.
Celebrate Halloween frugally by purchasing 2nd hand costumes.
Boy what a difference a year makes. Eggs are now about three to four times the price you were paying in 2014. If our government would stop printing money, inflation would be under control!
The writer acts as if she is an authority but isn't correct on a few issues. 1 Softening systems are hooked into your main water line, usually by the water heater. So unless you want to pay a plumber extra for special plumbing its probably cheaper to install an RO system (reverse osmosis) to purify your drinking water. A plumber can also attach a line to the fridge. 2 When it comes to financing, the bank makes the money on the interest not the seller. It is easier and cheaper to pay cash if possible. So whether you finance or use a credit card there is no real difference then purchasing any other appliance. 3 Make sure you purchase from a reputable store or dealer that uses a licensed plumber so you wont have to worry about leaks because of improper installation. You don't want thousands of dollars in water damage.
Good place to start but I really need to know what sizes/weights of things you're buying. Bag of apples - what weight? PB what size jar - is it natural or like Jif? We don't have an Aldi's yet - one is being built to open in a few months and I will be checking prices. I can feed myself for about $20 a week as a whole-food, little oil added diabetic but for me that excludes good but cheap foods like pastas, almost all breads & crackers, potatoes and rice.