I prefer getting cash. My parents gave us a Mastercard gift card this past Christmas and I had nothing but trouble with it. I used it at pay-at-the-pump and it put a hold on the full amount until they got the receipt several days later. Had a similar problem at Target a few weeks later.
I've been waiting for a site like this to help me manage my debt and finances! I have the bad habit of "compartmentalizing" my various debts instead of facing them realistically as a group, and now I feel like I'm on the path to getting things under control. I really need SpringCoin's monthly payment suggestions and financial IQ boosters, and the extra savings tips and coupons are a big additional help. So far the site seems secure and user-friendly, and I plan to use it regularly going forward. Thanks!
I have an interview in the morning, and I am hoping it goes much better than my last interview. I have been lucky in the past and didn't have these typical questions. Most of my interviews have basically been them telling I'm hired. I have always stunk at the questions. I can admit that I never prepared for interviews either. When HR called me Friday, she told me I was going to be asked about the company, so read their website.
My last interview was started with " tell me about yourself " and for some reason I drew a blank. Aside from that it well until he asked me about conflict resolution. I gave my answer and he kept asking, and finally told me what he was trying to get me to say. Told me it was a trick question and that my answer would have gotten me fired for insubordination. Said I would have given my supervisor too many chances. Then he told me that he would have said no to the supervisor from jumpstreet. I don't see how my answer was insubordinate, but saying no when told to do something wasn't. I was confused, and didn't get the job.
Great Post David! Great rules to live by! Rule #3 got me one time when I was a lot younger and didn't understand all the penalties. I think a lot of employers fail to explain the the 401K benefit package in a manner that many younger employees understand it.
1. Get them a library card from your local library AND your local college and university. The love of reading and learning with get them to go far.
2. Get them to think about finding WORK, never a JOB. How does it sound when I come to you and say "I'm looking for a job" versus "i'm looking for work." Big difference in how you think about making money.
3. Teach them to learn entrepreneurship. Nothing better than having your own destiny in your own hands.
This is a great read - agree with Andrea, getting ads taken down seems too difficult for many. Reposting should be a for sale service at CL. When I read the part on quick responses ("Eager Beaver") if forced me to point out that moredeets.com does provide this now for me - it was in beta I think, but it is quite easy and allows me to get off mail and reply without giving buyers my info (which is the part I really love since many fail Andrea's test:))
Phillip, are you talking about a point where the returns on frugality start to diminish? I found myself confused by the article, too, but reading through this discussion in the comments has led me to think perhaps that's what you're getting at.
I'm hitting such a wall myself. My old car, much repaired, may soon begin to hurt my chances at improving my life because I've accepted a promotion that will require some travel, and that car will, inevitably, die on some long trip. Probably one that's mission-critical because that's just how these things tend to go.
I can keep repairing the car. Did this weekend, in fact. But the time for frugality is coming to an end even though I could continue to get by for a while yet. I am fast approaching the point where I need a more reliable car as insurance against a future loss.
So, soon, I must choose the less frugal path of buying another vehicle. This makes me uncomfortable. But this particular least acceptable standard is not acceptable for the higher standard of longer trips at highway speeds.
garlic has done tremendous wonders inside my body. I take a clove chewed up daily now for 1 year. I take it to lower cholesterol, but i noticed i dont get colds and flu anymore. My intestines seem to act better, and my cholesterol levels have gone down according to doctors tests. The only thing i dont like is the bloating in my stomach/intestines ...i have not found out how to fix that.
I have experimented with different systems and I find that the actual envelope system works for me. They are much more tangible and felt so I really do make an effort to push through with my budget.
Quality has definitely improved at the Aldi in the past 10 years - now I shop there weekly. My Aldi has very good produce, so I guess I'm lucky. The Milleville cereal is really good! One thing that I typically do not buy at Aldi is the canned good. The canned goods at the Aldi seem to have a lot more sodium than the canned goods at my local Big Name grocery store. When I shop, I go to the Aldi first and then fill in the gaps at the other store.
The date night with your significant other is definitely worth a splurge! Bonding time with your partner is important. We usually eat at Bodato Burgers - it's not that expensive and we get to enjoy each other's company.
I do the first suggestion all the time - I never spend the 5 dollar bills ever! I save them up and then put them towards my emergency fund. It's painless and hassle-free!
Being active and staying away from all the bad habits that take a toll on your health would certainly help you to lower your sugar levels. Another important point to keep in mind is do not overdo or overdose yourself, always try to strike a balance in what ever you do, be it exercise, eating or any other activity.
I recieved a prepaid Netspend debit card in the mail too; that I didn't apply for. And I don't know how they get your info. It's a little odd and scary. I'm going to cut mine up. If you read all of the paper work that comes with it; it will tell you that you get carged $1.00 every time you use the card as credit. And $2.00 every time you use it as debit. That's a scam. I alredy have a bank and bank card. And they don't caharge those fees like Netspend does. Sincerely, Korrina
The US works more and has the highest productivity in the world. Please ignore all the phony data. Want proof? Buy a shirt, a beer, a house, a car, a DVD in Switzerland, Sweden and the US. The US always comes out on top.
Your standard of living is your productivity period.
You dodged a major bullet with that company..I agree with one of the other comments, if the interviewer got upset over a small issue imaging working for him..Good Luck to you
I prefer the ubiquity of cash to the limitation of a gift card -- but gift cards DO provide surprise & show thoughtfulness; where cash does neither (reduces gifts to a financial exchange).
It's good how this list includes lots of indoor ideas. And you touch on creative projects which is great - but I bet you could come up with a whole blog post of these!
I'd have to point out that driving up prices on auctions you don't want is a legitimate and often-used tactic. Remember, the more money you make everyone else spend on the lots you don't want, the less they have to spend on the ones you want.
I prefer getting cash. My parents gave us a Mastercard gift card this past Christmas and I had nothing but trouble with it. I used it at pay-at-the-pump and it put a hold on the full amount until they got the receipt several days later. Had a similar problem at Target a few weeks later.
Didn't pull all of my debts but site is very user-friendly.
I've been waiting for a site like this to help me manage my debt and finances! I have the bad habit of "compartmentalizing" my various debts instead of facing them realistically as a group, and now I feel like I'm on the path to getting things under control. I really need SpringCoin's monthly payment suggestions and financial IQ boosters, and the extra savings tips and coupons are a big additional help. So far the site seems secure and user-friendly, and I plan to use it regularly going forward. Thanks!
I have an interview in the morning, and I am hoping it goes much better than my last interview. I have been lucky in the past and didn't have these typical questions. Most of my interviews have basically been them telling I'm hired. I have always stunk at the questions. I can admit that I never prepared for interviews either. When HR called me Friday, she told me I was going to be asked about the company, so read their website.
My last interview was started with " tell me about yourself " and for some reason I drew a blank. Aside from that it well until he asked me about conflict resolution. I gave my answer and he kept asking, and finally told me what he was trying to get me to say. Told me it was a trick question and that my answer would have gotten me fired for insubordination. Said I would have given my supervisor too many chances. Then he told me that he would have said no to the supervisor from jumpstreet. I don't see how my answer was insubordinate, but saying no when told to do something wasn't. I was confused, and didn't get the job.
I like http://www.couponsdealspromos.com/ for saving money via coupon codes and deals.
Great Post David! Great rules to live by! Rule #3 got me one time when I was a lot younger and didn't understand all the penalties. I think a lot of employers fail to explain the the 401K benefit package in a manner that many younger employees understand it.
Cheers
Felicia
Great idea. Here's a few to add to them.
1. Get them a library card from your local library AND your local college and university. The love of reading and learning with get them to go far.
2. Get them to think about finding WORK, never a JOB. How does it sound when I come to you and say "I'm looking for a job" versus "i'm looking for work." Big difference in how you think about making money.
3. Teach them to learn entrepreneurship. Nothing better than having your own destiny in your own hands.
Kevin
This is a great read - agree with Andrea, getting ads taken down seems too difficult for many. Reposting should be a for sale service at CL. When I read the part on quick responses ("Eager Beaver") if forced me to point out that moredeets.com does provide this now for me - it was in beta I think, but it is quite easy and allows me to get off mail and reply without giving buyers my info (which is the part I really love since many fail Andrea's test:))
Phillip, are you talking about a point where the returns on frugality start to diminish? I found myself confused by the article, too, but reading through this discussion in the comments has led me to think perhaps that's what you're getting at.
I'm hitting such a wall myself. My old car, much repaired, may soon begin to hurt my chances at improving my life because I've accepted a promotion that will require some travel, and that car will, inevitably, die on some long trip. Probably one that's mission-critical because that's just how these things tend to go.
I can keep repairing the car. Did this weekend, in fact. But the time for frugality is coming to an end even though I could continue to get by for a while yet. I am fast approaching the point where I need a more reliable car as insurance against a future loss.
So, soon, I must choose the less frugal path of buying another vehicle. This makes me uncomfortable. But this particular least acceptable standard is not acceptable for the higher standard of longer trips at highway speeds.
garlic has done tremendous wonders inside my body. I take a clove chewed up daily now for 1 year. I take it to lower cholesterol, but i noticed i dont get colds and flu anymore. My intestines seem to act better, and my cholesterol levels have gone down according to doctors tests. The only thing i dont like is the bloating in my stomach/intestines ...i have not found out how to fix that.
I have experimented with different systems and I find that the actual envelope system works for me. They are much more tangible and felt so I really do make an effort to push through with my budget.
Quality has definitely improved at the Aldi in the past 10 years - now I shop there weekly. My Aldi has very good produce, so I guess I'm lucky. The Milleville cereal is really good! One thing that I typically do not buy at Aldi is the canned good. The canned goods at the Aldi seem to have a lot more sodium than the canned goods at my local Big Name grocery store. When I shop, I go to the Aldi first and then fill in the gaps at the other store.
Nice post! I'm keeping this in mind when I decide to move in with my SO. I love the idea of keeping a food money box. I do this too but individually.
I usually hide money under my bed for emergency haha!
The date night with your significant other is definitely worth a splurge! Bonding time with your partner is important. We usually eat at Bodato Burgers - it's not that expensive and we get to enjoy each other's company.
Another thing I splurge on - high quality tea!
I do the first suggestion all the time - I never spend the 5 dollar bills ever! I save them up and then put them towards my emergency fund. It's painless and hassle-free!
Being active and staying away from all the bad habits that take a toll on your health would certainly help you to lower your sugar levels. Another important point to keep in mind is do not overdo or overdose yourself, always try to strike a balance in what ever you do, be it exercise, eating or any other activity.
Great roundup for Yard Sale success Ashley!
I recieved a prepaid Netspend debit card in the mail too; that I didn't apply for. And I don't know how they get your info. It's a little odd and scary. I'm going to cut mine up. If you read all of the paper work that comes with it; it will tell you that you get carged $1.00 every time you use the card as credit. And $2.00 every time you use it as debit. That's a scam. I alredy have a bank and bank card. And they don't caharge those fees like Netspend does. Sincerely, Korrina
LOL and a lot of myths in this article.
If you work less, you are poorer. Period.
The US works more and has the highest productivity in the world. Please ignore all the phony data. Want proof? Buy a shirt, a beer, a house, a car, a DVD in Switzerland, Sweden and the US. The US always comes out on top.
Your standard of living is your productivity period.
You dodged a major bullet with that company..I agree with one of the other comments, if the interviewer got upset over a small issue imaging working for him..Good Luck to you
I prefer the ubiquity of cash to the limitation of a gift card -- but gift cards DO provide surprise & show thoughtfulness; where cash does neither (reduces gifts to a financial exchange).
Great tips! Living in China has provided us with lots of cheap travel opportunities around Asia.
It's good how this list includes lots of indoor ideas. And you touch on creative projects which is great - but I bet you could come up with a whole blog post of these!
I'd have to point out that driving up prices on auctions you don't want is a legitimate and often-used tactic. Remember, the more money you make everyone else spend on the lots you don't want, the less they have to spend on the ones you want.