I see your point; however, my wife uses coupons for only items that we would normally use or that are free(or almost free).
Does it matter if we use Brand Y cleaner instead of our usual Brand X? Not to us.
It works well for us!
I was just hired for a position and when I went in to fill our paper work, I noticed the Thank you card I had wrote to the interviewer was on her desk when I arrived. It made me feel good to see that they had it and displayed it too. I will be writing them for every interview I get from now on.
You are right and you are wrong. Some folks have a *much* easier time having kids than others. You sound like the type that isn't so lucky,,, they are worth all the 'complaining'. You sound like you don't get that.
This is complete nonsense. Do not waste your time and money. In order to get any movement of the metal using a hot/cold method you would need to heat the metal to the point that it would cook the paint. The physics of the metal simply do not allow the hot/cold method to be done paintless. Be smart and don't try this at home kids.
No one ever spoke directly about money but the way my grandparents lived had an an impact. Never had good paying jobs but did not have debt besides a house payment and managed to save some. I don't think they had as much fun in life as they should have but to each their own. I work hard on saving but also to budget in some fun. The web has been a great resouce of information and inspiration.
Visualize whatever you're buying as old and worn out. Visualize the new clothes as faded and crumpled. Visualize the new electronics as broken and replaced with the next new things. Visualize the new car as 10 years ahead an an old model that's a faded rust bucket.
Changes how you feel about how important something new is :)
A good thank you note can make a big difference, especially if the note talks about a specific part of the interview process that went really well. This reminds the potential employer of your positive traits, and also give them the sense that they are not just receiving a mass-spam thank you note. Great tips Julie!
To plan for an early retirement, one must clearly define "retirement" - as you have mentioned "Rethink Retired". Tim Ferriss's idea of 4-hour work week and mini retirements appeals me a lot. This would keep people active and driven by a purpose throughout their lives (learning new language, visit new place, experience something new) - in contrast to the lives of eternal boredom some retirees are going through.
There are some good ideas in the article but credit cards are rarely a good option for the average person. Most people will not pay off their credit cards every month. The average person will definitely not be able to pay 5,000 off in one month. You may get 1% cash back, but most cards carry 20%+ on the card. The credit card company is not going to give you 1% cash back unless they are taking more than 1% from you. You lose when you use credit cards; they just make it more convenient for you to buy things you can’t afford otherwise. If you want to win in the long run, you need to take a few years and hit your debt hard and get rid of it. Once the credit card bills and various loans and other debts are gone, you have more money to invest for the future. Thinking long term instead of short term usually has much greater rewards, but you have to have patience and be diligent. These companies don’t get as big as they are without being good at getting at your money in creative ways.
I learned personal finance by myself...coming from a family of bankers, all of my uncles and their spouses worked in banks...i was always curious about finance and this laid the foundation for me to gorge on finance related topics...
I TOTALLY agree about the importance of defining your ideal job. I also know that often, you have to take jobs that are less than ideal -- but defining what you do want not only helps focus your search, but can increase your confidence in interviews as well.
I love this! Sometimes it feels so lame that you give a cash gift and it’s just placed in the card. Same gift, same amount more thought... You have my vote.
I see your point; however, my wife uses coupons for only items that we would normally use or that are free(or almost free).
Does it matter if we use Brand Y cleaner instead of our usual Brand X? Not to us.
It works well for us!
I was just hired for a position and when I went in to fill our paper work, I noticed the Thank you card I had wrote to the interviewer was on her desk when I arrived. It made me feel good to see that they had it and displayed it too. I will be writing them for every interview I get from now on.
You are right and you are wrong. Some folks have a *much* easier time having kids than others. You sound like the type that isn't so lucky,,, they are worth all the 'complaining'. You sound like you don't get that.
I travelled for six months on $3000 back in 1999, but that was travelling only in three countries. I'm sure $17000 is perfectly doable!.
Great way to live your life (although nice to share it with someone).
So what about Swagbucks points that you redeem for gift cards?
I learned the hard way, from experience.
My Dad. He's a frugal, do-it-yourselfer who taught me to put money aside in a 401K with my very first job.
This is complete nonsense. Do not waste your time and money. In order to get any movement of the metal using a hot/cold method you would need to heat the metal to the point that it would cook the paint. The physics of the metal simply do not allow the hot/cold method to be done paintless. Be smart and don't try this at home kids.
No one ever spoke directly about money but the way my grandparents lived had an an impact. Never had good paying jobs but did not have debt besides a house payment and managed to save some. I don't think they had as much fun in life as they should have but to each their own. I work hard on saving but also to budget in some fun. The web has been a great resouce of information and inspiration.
Here's a great link to a superb bag that can be made from 117 Tesco bags. Also includes instructions so that anyone can make it themselves.
http://www.co-oproduct.org/component/mtree/plastic/plastic-bags/tesco-ba...
Good list!
One more to add:
Visualize whatever you're buying as old and worn out. Visualize the new clothes as faded and crumpled. Visualize the new electronics as broken and replaced with the next new things. Visualize the new car as 10 years ahead an an old model that's a faded rust bucket.
Changes how you feel about how important something new is :)
A good thank you note can make a big difference, especially if the note talks about a specific part of the interview process that went really well. This reminds the potential employer of your positive traits, and also give them the sense that they are not just receiving a mass-spam thank you note. Great tips Julie!
I'm half chinese, so I love getting little red envelopes!
To plan for an early retirement, one must clearly define "retirement" - as you have mentioned "Rethink Retired". Tim Ferriss's idea of 4-hour work week and mini retirements appeals me a lot. This would keep people active and driven by a purpose throughout their lives (learning new language, visit new place, experience something new) - in contrast to the lives of eternal boredom some retirees are going through.
Tweeted answer:
https://twitter.com/#!/KelRo1/status/182558400499032064
Like you on FB.
I've learned myself through trial and error, reading a lot on the subject, watching finance shows on TV, following money blogs, etc.
#7 is what I firmly believe on. Say NO to sale. Unfortunately, its hard to explain this to my better half :)
GREAT article.. I recently posted my four criteria to avoid the pitfalls of retail therapy too :) http://www.minimalish.blogspot.com/2012/03/four-criteria-to-avoid-tradin...
There are some good ideas in the article but credit cards are rarely a good option for the average person. Most people will not pay off their credit cards every month. The average person will definitely not be able to pay 5,000 off in one month. You may get 1% cash back, but most cards carry 20%+ on the card. The credit card company is not going to give you 1% cash back unless they are taking more than 1% from you. You lose when you use credit cards; they just make it more convenient for you to buy things you can’t afford otherwise. If you want to win in the long run, you need to take a few years and hit your debt hard and get rid of it. Once the credit card bills and various loans and other debts are gone, you have more money to invest for the future. Thinking long term instead of short term usually has much greater rewards, but you have to have patience and be diligent. These companies don’t get as big as they are without being good at getting at your money in creative ways.
I learned personal finance by myself...coming from a family of bankers, all of my uncles and their spouses worked in banks...i was always curious about finance and this laid the foundation for me to gorge on finance related topics...
I TOTALLY agree about the importance of defining your ideal job. I also know that often, you have to take jobs that are less than ideal -- but defining what you do want not only helps focus your search, but can increase your confidence in interviews as well.
I love this! Sometimes it feels so lame that you give a cash gift and it’s just placed in the card. Same gift, same amount more thought... You have my vote.
One of my college professors.
My father taught me how to handle my money and do my taxes. Unfortunately he just passed away. I will always remember what he taught me!