You can freeze the pumpkin pie mixture in advance...I usually make mine right after Halloween, put everything in a freezer bag, and then defrost in the fridge a few days before Thanksgiving. Then you just have to give it a quick mix, pour it into the pie crust, and bake!
I'm with you on this one. We use our no fee card on gas purchases and occassional already-set-aside-cash for eating out. When we return home we put physical cash into an envelope to cover the restaurant. We also use the card for online-already-budgeted clothes purchases and pay our card in full. Groceries are paid for in cash. I don't feel guilty. Card companies still make a profit on us, as vendors pay a fee to credit card companies for the priveledge of credit card access. Even though their profit margin is less on us, they still come out winners.
The Christmas season is just around the corner and for sure, we will receive many party invitations. These tips are very useful in order to control our spending habits, and buying experience. My family is planning to celebrate the Yuletide season very simple without spending unnecessary things or stuff. We will create homemade greetings card for our family, friends and love ones.
#13 - So true! To this day, my mom keeps jar beside the bathroom sink to hold all the soap slivers. She not only remakes larger bars from them, she also liquifies them and puts that liquid in a soap dispenser (the same one she's had for 20 year, of course!).
And #6...so accurate. I can make a quick decision on whether stop at a yard sale like nobody's business. When most sales end by noon, you have to be ruthless about this stuff! LOL
Wow, what a list! I just pinned this for future reference. I'll be trying out some of your menu ideas shortly. I also do menu planning on Saturday. I brainstorm from a master list of go-to meals my family loves, then on Sunday I place my online shopping order. ;)
I sold my Delta Skymiles through this site flipmymiles.com - I was kind of skeptical because they sent me a form requesting my account information but I took a leap of faith and gave it to them :/ Within 5 minutes of filling out the form, they sent me a $3,000 paypal payment for my miles! I highly recommend this company... very quick turn around.. My salesperson was Seth
I know it doesn't help with the time wasted already, but USAA has they most helpful, easy to talk to, and enjoyable customer service I know. I think you would definitely enjoy the experience on completing anything if you just go through them. Good luck.
Hi, Mandy! Thank you for your comment. I agree about the freezer cooking, too. It's so great to just have something already made - toss a salad and DONE. Regarding the calendar format --I originally had the post in table format, which I loved, but the WB software freaked out about it. If I do this again I will see if there isn't some way we can do that. I agree, I like to see it all laid out. Will look into it. Thanks for writing!
Guest, thank you. The post was already so long, I felt like I needed to skip that part but I agree with you. If I do it again, I'll add in a section for a grocery list. Tx for commenting!
I used to volunteer at a cat adoption center; I made friends and contacts Now I do cat sitting on weekends and holidays. It is a really fun part-time job since I love cats, it pays well (and in cash!). I used to get more appointments, but things have slowed down quite a bit. I am looking forward to it picking up during the holidays.
Perhaps, as a high-demand application developer, I have the luxury to tell off recruiters, but it astounds me how many head-hunters fail the same requirements you list here. My resume clearly states my geographic restrictions and my skills/experience. Yet countless times, I receive emails with poor spelling/grammar regarding positions across the country, involving skills that I either lack or intentionally omit from my resume (I never want to touch COBOL or Visual Foxpro again). On top of that, the job-descriptions they send to me usually consist of nothing more than some industry buzz-words, often conflicting or nonsensical. As with lawyers, 95% give the other 5% a bad name.
The 23 most frequently asked questions for interview was very helpful, (extremely helpful). Thank you for posting it. We'll be having our interview later wish us good luck. Thank you.
I really liked this post. We often get into slumps where we're simply going through the motions of everyday life. Looking inside is good advice because at the end of the day, we are the only one who knows how we think and feel and what we need to do to change something.
In regards to your first point, this is probably the most critical thing you touch on. Too many people are too lazy to even go back and read over their resume, assuming that everything is in place, but a spell and grammar check can often mess things up causing you to state something a different way than you'd want it stated. The best thing to do it craft your resume, spell check it, re-read it, then leave it a lone for a few hours or an entire day then go back to it with fresh eyes. Having another person look over it is also a good way to ensure that you have everything sounding proper.
I would suggest buying from Indian Grocery store as well like Patel Brothers, Apna Bazar, Cash and Carry, Sabji Mandi if it is available. Generally they are available in large towns. Also, you can look for Chinese stores. These stores have great fresh vegetables at very cheap prices than that of Walmart / A&P, Shop-rite or any other food market even including Aldi. I have compared Cauliflower, Okra, Tomato, Grapes, Apples, Canola Oil, rice items that you like from Asian Grocery Stores, they are really cheap.
Mmhmm. My friends run the spectrum on their frugality levels (most of them were equally broke growing up), but I find myself in the frugal camp, yet firmly rebelling against my mother's hoarding. I simply will not live on a pile of garbage, e.g. wrapping paper unless it's seriously likely to be used for the many post-Christmas birthdays, butter containers (you don't need 10), hotel shampoos and conditioners (it helps that I work at one and could have as many as I wanted any time though), etc. It costs me more than it's worth to deal with that psychological weight 24/7 in the hopes that someday my clutter is going to help somebody. I'm paying for all the rooms in my house, so I need to be able to access them without fearing the avalanche.
I've found that just changing my attitude works wonders for me. Many times I cannot change the circumstances, but I can change how I look at it and other things. I work on focusing on the positives I have and even try to find the positive of the negative situation I'm in. It makes me feel good, which motivates me and helps me to get out of the rut.
Sometimes I also hit the gym. I'm not always in the mood to go, but I know if I go and give it everything I've got, I come out with a huge endorphin rush that motivates me as well.
Netspend is a prepaid card and does not require an application lol you can get one at any gas station. Stop freaking out I've had one for years and have no complaints. Just cut it up and move on if you done want it lol
Any ETF that says 2x or 3x is a bad investment.
You can freeze the pumpkin pie mixture in advance...I usually make mine right after Halloween, put everything in a freezer bag, and then defrost in the fridge a few days before Thanksgiving. Then you just have to give it a quick mix, pour it into the pie crust, and bake!
I'm with you on this one. We use our no fee card on gas purchases and occassional already-set-aside-cash for eating out. When we return home we put physical cash into an envelope to cover the restaurant. We also use the card for online-already-budgeted clothes purchases and pay our card in full. Groceries are paid for in cash. I don't feel guilty. Card companies still make a profit on us, as vendors pay a fee to credit card companies for the priveledge of credit card access. Even though their profit margin is less on us, they still come out winners.
The Christmas season is just around the corner and for sure, we will receive many party invitations. These tips are very useful in order to control our spending habits, and buying experience. My family is planning to celebrate the Yuletide season very simple without spending unnecessary things or stuff. We will create homemade greetings card for our family, friends and love ones.
#13 - So true! To this day, my mom keeps jar beside the bathroom sink to hold all the soap slivers. She not only remakes larger bars from them, she also liquifies them and puts that liquid in a soap dispenser (the same one she's had for 20 year, of course!).
And #6...so accurate. I can make a quick decision on whether stop at a yard sale like nobody's business. When most sales end by noon, you have to be ruthless about this stuff! LOL
Wow, what a list! I just pinned this for future reference. I'll be trying out some of your menu ideas shortly. I also do menu planning on Saturday. I brainstorm from a master list of go-to meals my family loves, then on Sunday I place my online shopping order. ;)
I sold my Delta Skymiles through this site flipmymiles.com - I was kind of skeptical because they sent me a form requesting my account information but I took a leap of faith and gave it to them :/ Within 5 minutes of filling out the form, they sent me a $3,000 paypal payment for my miles! I highly recommend this company... very quick turn around.. My salesperson was Seth
I tutor!
I know it doesn't help with the time wasted already, but USAA has they most helpful, easy to talk to, and enjoyable customer service I know. I think you would definitely enjoy the experience on completing anything if you just go through them. Good luck.
Hi, Mandy! Thank you for your comment. I agree about the freezer cooking, too. It's so great to just have something already made - toss a salad and DONE. Regarding the calendar format --I originally had the post in table format, which I loved, but the WB software freaked out about it. If I do this again I will see if there isn't some way we can do that. I agree, I like to see it all laid out. Will look into it. Thanks for writing!
Hey there, "other Marla"! Tx for comment. :-) Thought of you since I know how much you LOVE to cook!
Guest, thank you. The post was already so long, I felt like I needed to skip that part but I agree with you. If I do it again, I'll add in a section for a grocery list. Tx for commenting!
Great info! I'm a big advocate of freezer cooking. Would you consider putting this in a calendar for the visual junkies out there.
I used to volunteer at a cat adoption center; I made friends and contacts Now I do cat sitting on weekends and holidays. It is a really fun part-time job since I love cats, it pays well (and in cash!). I used to get more appointments, but things have slowed down quite a bit. I am looking forward to it picking up during the holidays.
Perhaps, as a high-demand application developer, I have the luxury to tell off recruiters, but it astounds me how many head-hunters fail the same requirements you list here. My resume clearly states my geographic restrictions and my skills/experience. Yet countless times, I receive emails with poor spelling/grammar regarding positions across the country, involving skills that I either lack or intentionally omit from my resume (I never want to touch COBOL or Visual Foxpro again). On top of that, the job-descriptions they send to me usually consist of nothing more than some industry buzz-words, often conflicting or nonsensical. As with lawyers, 95% give the other 5% a bad name.
The 23 most frequently asked questions for interview was very helpful, (extremely helpful). Thank you for posting it. We'll be having our interview later wish us good luck. Thank you.
I really liked this post. We often get into slumps where we're simply going through the motions of everyday life. Looking inside is good advice because at the end of the day, we are the only one who knows how we think and feel and what we need to do to change something.
In regards to your first point, this is probably the most critical thing you touch on. Too many people are too lazy to even go back and read over their resume, assuming that everything is in place, but a spell and grammar check can often mess things up causing you to state something a different way than you'd want it stated. The best thing to do it craft your resume, spell check it, re-read it, then leave it a lone for a few hours or an entire day then go back to it with fresh eyes. Having another person look over it is also a good way to ensure that you have everything sounding proper.
I would suggest buying from Indian Grocery store as well like Patel Brothers, Apna Bazar, Cash and Carry, Sabji Mandi if it is available. Generally they are available in large towns. Also, you can look for Chinese stores. These stores have great fresh vegetables at very cheap prices than that of Walmart / A&P, Shop-rite or any other food market even including Aldi. I have compared Cauliflower, Okra, Tomato, Grapes, Apples, Canola Oil, rice items that you like from Asian Grocery Stores, they are really cheap.
Another great, helpful article!
I do accounting work for a small pest control business.
Mmhmm. My friends run the spectrum on their frugality levels (most of them were equally broke growing up), but I find myself in the frugal camp, yet firmly rebelling against my mother's hoarding. I simply will not live on a pile of garbage, e.g. wrapping paper unless it's seriously likely to be used for the many post-Christmas birthdays, butter containers (you don't need 10), hotel shampoos and conditioners (it helps that I work at one and could have as many as I wanted any time though), etc. It costs me more than it's worth to deal with that psychological weight 24/7 in the hopes that someday my clutter is going to help somebody. I'm paying for all the rooms in my house, so I need to be able to access them without fearing the avalanche.
I love the meal plan but I wish every week started with some items to make sure are on your grocery list.
I've found that just changing my attitude works wonders for me. Many times I cannot change the circumstances, but I can change how I look at it and other things. I work on focusing on the positives I have and even try to find the positive of the negative situation I'm in. It makes me feel good, which motivates me and helps me to get out of the rut.
Sometimes I also hit the gym. I'm not always in the mood to go, but I know if I go and give it everything I've got, I come out with a huge endorphin rush that motivates me as well.
Netspend is a prepaid card and does not require an application lol you can get one at any gas station. Stop freaking out I've had one for years and have no complaints. Just cut it up and move on if you done want it lol