I agree. My first bread machine came from my neighbor's yard sale ($5). When that one died, I bought one from Goodwill for $8 and it has already made hundreds of dollars worth of bread for me in a year.
Agree completely. There are things that Costco sells that I can't find anywhere else and would HATE to give them up. Same for Trader Joe's. I am fortunate to have both within a few blocks of each other. I can hit them both in one trip. Unfortunately I have to buy produce elsewhere.
Big bonus for Costco is my Costco American Express. Rebates on all my purchases including gas (which I ALWAYS buy at Costco). Since I pay in full every month, the rebates more than pay for my membership.
I've never ordered a latte, and have been a plain black coffee fan for many decades, so the saving on latte's right there must be astronomical. Regular coffee has no calories, so I'm ahead of the game there, too.
Hi Stef! Great question. Wise Bread is a collection of writers who all have their own opinions and areas of expertise in the personal finance sphere -- because, hey, not all advice is universal. So, instead of doing one piece, we had two writers state their opinions on the subject.
There was an article on here a few weeks back that said "Seriously, get rid of your landline." What's with the contradictory articles? Why not publish just one article with pros and cons?
Excellent list! 2013 is absolutely the year of the freelancer and it's nice to see that I'm not the only one promoting it these days!
I've been doing freelance video production for the last 8 years myself and absolutely love my job. I wrote an article very similar to this in the realm of video production. I typically like to include Elance.com, Guru.com, and even Craigslist.org.
You can check it out here: http://www.jonathanacosta.com/sources-for-landing-clients/
No, you are the anomaly. Sacramento is no different, Comcast is the devil if you want anything other than no set top box and internet. All their "packages" are horrible and the worst customer service on the planet. They don't care about you, only your money. If you had a good experience count your blessings. 99% of us don't. Internal company chaos, no reasonable plans unless you are new customer or sign a contract. I won;t sign a contract with them beacuse I know they can't and won't please me as a customer. When the bill automativcaly goes up without a warning, they will NOT work with you. Long term loyalty mewnas nothing to them, in fact it counts against you. I switched to Surewest out of Roseville and it's way cheaper and better. Never going back to Comcast, ever.
Great point about the importance of having a strong income. You can only cut your expenses down to a certain point. But in theory, you income is limitless.
Thanks for reading! I've found that reframing your experience not only helps the employer grasp your value but can give you (the job hunter) a better sense and broader understanding of your capabilities.
I like the shoes and handbags example, namely because I have definitely found it to be true. I buy a new handbag roughly once every five years. I'm about to purchase a leather Coach bag (no logos--the all leather kind) because they're well made, and a friend is an associate who can give me a great deal. I anticipate that the bag will last at least five years, and since it's something I carry daily, I have zero issue "splurging" on the higher cost bag rather than going through half a dozen cheaper ones in the same time frame.
I love roasting a sliced sweet potato and sliced russet potato together for baked "fries," served with aioli. There are few things better than a warm, crispy-on-the-edge bit of sweet potato.
I got help from a professional a few years ago...right before the market started to go downhill. I am sooooo glad that I found Keith Steidle to handle my accounts. All of my accounts have done really well despite the rough markets. How to make the best of your 401k? Use a professional!
If you're going to splurge as a reward, you should make a percentage of what you have paid down to make sure you just didn't ruin all the progress you made. For example you could set a 15% goal. If you just paid down $1,000 of debt, allow yourself to splurge $150 on something. Try to make the splurge something that will last too to get some use out of it. A spendy night out with friends which only lasts....one night, OR buy some new clothes that you can wear several times.
Good article. When I was in my early 20s, instead of spending money on going out, I ended up working at a few bars for about 4 years. I got to meet a lot of people, I was still at the bar my friends were at (although I was working), and made money instead of blowing it.
I have a question about debt collectors that buy your loan from the original loan company.
Do they have to send you a copy of the transaction between the debt collector who buys the loan and the original company that owned the loan?
If they do not why is that? In any transaction there should be paperwork. Plus I need proof that this knew loan company really does own my loan.
I use 2, www.ebates.com and www.mefindcoupon.com
I gave up Facebook. It was hard. But it saved my soul.
I agree. My first bread machine came from my neighbor's yard sale ($5). When that one died, I bought one from Goodwill for $8 and it has already made hundreds of dollars worth of bread for me in a year.
Agree completely. There are things that Costco sells that I can't find anywhere else and would HATE to give them up. Same for Trader Joe's. I am fortunate to have both within a few blocks of each other. I can hit them both in one trip. Unfortunately I have to buy produce elsewhere.
Big bonus for Costco is my Costco American Express. Rebates on all my purchases including gas (which I ALWAYS buy at Costco). Since I pay in full every month, the rebates more than pay for my membership.
Now I understand why this blog is called Wise Bread...
I've never ordered a latte, and have been a plain black coffee fan for many decades, so the saving on latte's right there must be astronomical. Regular coffee has no calories, so I'm ahead of the game there, too.
I do that too! Water is much more healthy and refreshes you unlike fountain drinks or alcohol would :)
Hi Stef! Great question. Wise Bread is a collection of writers who all have their own opinions and areas of expertise in the personal finance sphere -- because, hey, not all advice is universal. So, instead of doing one piece, we had two writers state their opinions on the subject.
There was an article on here a few weeks back that said "Seriously, get rid of your landline." What's with the contradictory articles? Why not publish just one article with pros and cons?
this was a really cool way to package a "savings tips" article, kudos!
Excellent list! 2013 is absolutely the year of the freelancer and it's nice to see that I'm not the only one promoting it these days!
I've been doing freelance video production for the last 8 years myself and absolutely love my job. I wrote an article very similar to this in the realm of video production. I typically like to include Elance.com, Guru.com, and even Craigslist.org.
You can check it out here: http://www.jonathanacosta.com/sources-for-landing-clients/
Keep up the great articles, Myscha!
-Jon Acosta
No, you are the anomaly. Sacramento is no different, Comcast is the devil if you want anything other than no set top box and internet. All their "packages" are horrible and the worst customer service on the planet. They don't care about you, only your money. If you had a good experience count your blessings. 99% of us don't. Internal company chaos, no reasonable plans unless you are new customer or sign a contract. I won;t sign a contract with them beacuse I know they can't and won't please me as a customer. When the bill automativcaly goes up without a warning, they will NOT work with you. Long term loyalty mewnas nothing to them, in fact it counts against you. I switched to Surewest out of Roseville and it's way cheaper and better. Never going back to Comcast, ever.
my latte factor is going out for coffee and amaretti cookies at our favorite italian cafe every saturday
Hey Ted,
Great point about the importance of having a strong income. You can only cut your expenses down to a certain point. But in theory, you income is limitless.
We are just now giving it up, and anticipating saving $500/year
The best bread machine is the $10 one your husband brings home from a tag sale.
Thanks for reading! I've found that reframing your experience not only helps the employer grasp your value but can give you (the job hunter) a better sense and broader understanding of your capabilities.
I like the shoes and handbags example, namely because I have definitely found it to be true. I buy a new handbag roughly once every five years. I'm about to purchase a leather Coach bag (no logos--the all leather kind) because they're well made, and a friend is an associate who can give me a great deal. I anticipate that the bag will last at least five years, and since it's something I carry daily, I have zero issue "splurging" on the higher cost bag rather than going through half a dozen cheaper ones in the same time frame.
I love roasting a sliced sweet potato and sliced russet potato together for baked "fries," served with aioli. There are few things better than a warm, crispy-on-the-edge bit of sweet potato.
I got help from a professional a few years ago...right before the market started to go downhill. I am sooooo glad that I found Keith Steidle to handle my accounts. All of my accounts have done really well despite the rough markets. How to make the best of your 401k? Use a professional!
I gave up 'unlimited' mobile data packages and use wi-fi where ever possible.
Thanks for the helpful link to Debtors Anonymous!
If you're going to splurge as a reward, you should make a percentage of what you have paid down to make sure you just didn't ruin all the progress you made. For example you could set a 15% goal. If you just paid down $1,000 of debt, allow yourself to splurge $150 on something. Try to make the splurge something that will last too to get some use out of it. A spendy night out with friends which only lasts....one night, OR buy some new clothes that you can wear several times.
Good article. When I was in my early 20s, instead of spending money on going out, I ended up working at a few bars for about 4 years. I got to meet a lot of people, I was still at the bar my friends were at (although I was working), and made money instead of blowing it.