I think it was watching others not have a budget and worry when the bills came that make me very frugal. I love the security of knowing that I've saved up for something in advance and now can just enjoy it! When the bills come, no worries! We have the money already set aside.
My mom taught me the most about finances. At age 10, I was given a $10 a week allowance that was to pay for everything I wanted. I was given $100 for school clothes at the beginning of the school year, and my parents also bought me one good pair of shoes (usually less than $50). They spent $100 on me at Christmas and $50 on me for my birthday. If I needed anything else, it all came out of my allowance. I also had to tithe 10% of my allowance, too. When she did this with my brother (who is 9 1/2 years younger than me), she included that he had to save 10% of his allowance, too. Really helped me and him learn to budget money.
Without a doubt, my husband taught me the value of saving and spending wisely. I thank him every time we have the money to pay a vet bill or some other unexpected bill.
The person who taught me the most about personal finance was the business manager at a non-profit company where I held my first repeat/long term position. Working in the fine arts, with non-profit companies and seasonal or production based positions meant that most financial advice didn't apply to me. I didn't get a regular paycheck, didn't have an employer 401(k), didn't have benefits, etc. The business manager, by his description - old enough to be my father and just as concerned, was willing to answer many questions for me and more importantly helped me think through finances in a way that made sense.
I have an iPhone and I use the free "Evernote" app to file all my emails by files or categories that I set up. They are then out of my inbox and stored outside of my phone but instantly available to me by just pressing this app. The files are organized alphabetically. It has been terrific for me as I collect a lot of important news articles and videos that I need for researching a book I'm writing and for talks I give. When I find an article or video that's important for future reference I just email it to both myself and Evernote and them go to the app and put them in the right files (or create new ones). Then after I look at them in my inbox (or not) I can erase them knowing that I can access them easily by category whenever I want. Since all of these emails do not contain the actual article or video, but only the link to them, none of these take up barely any space at all. Hope this helps someone as much as it helped me.
Good article that reflects my feelings on couponing, but I'd like to add one thing. You can find coupons online for products you use all the time by visiting the company website, and this doesn't take much time. Stonyfield Yogurt, Olivia's Organics, and Lundberg Rice usually have coupons available. I also regularly get coupons for Finish dishwasher detergent and Biore contact lens solution through the company websites.
No one taught me about personal finance - my mom has always struggled with credit card debt, and my dad never talked about money. I had to get into trouble and learn for myself!
I love black beans with cumin and fresh salsa and a side of rice, green chiles, greek yogurt and jack cheese baked in a casserole. The yogurt is almost like sour cream, but slightly sweet. Delicious.
hmmm - good points, but I am an avid coupon clipper. I got a deal on the Sunday newspaper for 2 years for $2. No, I'm not kidding. I literally put 2, one dollar bills in the envelope and returned my invoice. It takes about 2 minutes to flip through the coupons and pull out what I need - Sure, sometimes the savings are nil, sometimes they are better.
We buy dog food for our dog - I for one, love the coupons for $2.50 off one bag that often shows up in my weekly coupon fliers. I especially love when my coworkers bring in their coupons they aren't using and I can get extras.
No, they don't come for everything...but saving $2.50 on a bag of dog food we were buying anyway certainly brings the total bill down and helps to offset those apples and that broccoli no?
;)
I am very happy to hear that someone else feels the same way about coupons. My husband and I looked into some of the free online coupons, because we don't buy the paper either, and there was not a single coupon for something we would have bought anyway. This does not mean we have not used coupons, we shop at H-E-B and they are really great about providing coupons for just about everything, including produce! It is great to walk down the aisle to pick up something already on the list and see the yellow coupons hanging there.
Definitely my dad. He taught me the value of saving when I received my first dollar as a gift and once I was a bit older included me in on the finances. Seeing where the money went each month and experiencing the importance of emergency funds and budgeting was the best thing for him to share with me. I took these lessons to heart and have been very successful with managing my money, even when I had limited income.
I think one of the toughest aspects of working from home is finding a “Real” opportunity and not a scam. There are a ton of sites out there that claim to be unbiased but usually they are just affiliate marketers trying to make a commission. www.lucrativeminds.com is a research and education website that provides a lot of information on work from home opportunities even what social media is saying about them. It is worth a look if you are looking to work from home they can even match you.
Good Luck
Wonderful article! Not only am I the daughter of an organic Mango farmer, but I cooked for a Ritz-Carlton for awhile (the freakin Ritz! It's the granddaddy of luxury hotels!) and let me tell you, for most of them, the food prepared and cooked in their kitchens was unhealthy and a good portion of it was flash frozen and pre-packaged. Now imagine a Denny's for a moment
...
Ugh. And it is SO much more budget conscious to cook at home. Make a simple batch of lentil, vegetable and quinoa soup and freeze it. You can eat on that for days. Plus, when it comes down to it the biggest costs are your health and your community (see: local restaurants, farms and food co-ops/grocery stores) and really, who wants to sacrifice that?
I think it was watching others not have a budget and worry when the bills came that make me very frugal. I love the security of knowing that I've saved up for something in advance and now can just enjoy it! When the bills come, no worries! We have the money already set aside.
My mom taught me the most about finances. At age 10, I was given a $10 a week allowance that was to pay for everything I wanted. I was given $100 for school clothes at the beginning of the school year, and my parents also bought me one good pair of shoes (usually less than $50). They spent $100 on me at Christmas and $50 on me for my birthday. If I needed anything else, it all came out of my allowance. I also had to tithe 10% of my allowance, too. When she did this with my brother (who is 9 1/2 years younger than me), she included that he had to save 10% of his allowance, too. Really helped me and him learn to budget money.
Without a doubt, my husband taught me the value of saving and spending wisely. I thank him every time we have the money to pay a vet bill or some other unexpected bill.
how often should this be applied?
The person who taught me the most about personal finance was the business manager at a non-profit company where I held my first repeat/long term position. Working in the fine arts, with non-profit companies and seasonal or production based positions meant that most financial advice didn't apply to me. I didn't get a regular paycheck, didn't have an employer 401(k), didn't have benefits, etc. The business manager, by his description - old enough to be my father and just as concerned, was willing to answer many questions for me and more importantly helped me think through finances in a way that made sense.
I have an iPhone and I use the free "Evernote" app to file all my emails by files or categories that I set up. They are then out of my inbox and stored outside of my phone but instantly available to me by just pressing this app. The files are organized alphabetically. It has been terrific for me as I collect a lot of important news articles and videos that I need for researching a book I'm writing and for talks I give. When I find an article or video that's important for future reference I just email it to both myself and Evernote and them go to the app and put them in the right files (or create new ones). Then after I look at them in my inbox (or not) I can erase them knowing that I can access them easily by category whenever I want. Since all of these emails do not contain the actual article or video, but only the link to them, none of these take up barely any space at all. Hope this helps someone as much as it helped me.
Good article that reflects my feelings on couponing, but I'd like to add one thing. You can find coupons online for products you use all the time by visiting the company website, and this doesn't take much time. Stonyfield Yogurt, Olivia's Organics, and Lundberg Rice usually have coupons available. I also regularly get coupons for Finish dishwasher detergent and Biore contact lens solution through the company websites.
I like WB on FB!
I tweeted! https://twitter.com/#!/junethomemaker/status/182118584011587584
No one taught me about personal finance - my mom has always struggled with credit card debt, and my dad never talked about money. I had to get into trouble and learn for myself!
I also have wisebread liked on facebook.
It started with my mom but that was a basic foundation of personal finance.
Since then it has been certain friends and blogs/own research online.
I love black beans with cumin and fresh salsa and a side of rice, green chiles, greek yogurt and jack cheese baked in a casserole. The yogurt is almost like sour cream, but slightly sweet. Delicious.
hmmm - good points, but I am an avid coupon clipper. I got a deal on the Sunday newspaper for 2 years for $2. No, I'm not kidding. I literally put 2, one dollar bills in the envelope and returned my invoice. It takes about 2 minutes to flip through the coupons and pull out what I need - Sure, sometimes the savings are nil, sometimes they are better.
We buy dog food for our dog - I for one, love the coupons for $2.50 off one bag that often shows up in my weekly coupon fliers. I especially love when my coworkers bring in their coupons they aren't using and I can get extras.
No, they don't come for everything...but saving $2.50 on a bag of dog food we were buying anyway certainly brings the total bill down and helps to offset those apples and that broccoli no?
;)
I am very happy to hear that someone else feels the same way about coupons. My husband and I looked into some of the free online coupons, because we don't buy the paper either, and there was not a single coupon for something we would have bought anyway. This does not mean we have not used coupons, we shop at H-E-B and they are really great about providing coupons for just about everything, including produce! It is great to walk down the aisle to pick up something already on the list and see the yellow coupons hanging there.
Thanks for a great article!
Definitely my dad. He taught me the value of saving when I received my first dollar as a gift and once I was a bit older included me in on the finances. Seeing where the money went each month and experiencing the importance of emergency funds and budgeting was the best thing for him to share with me. I took these lessons to heart and have been very successful with managing my money, even when I had limited income.
I Like you on Facebook as Selene Montgomery
My dad taught me the value of money. Never spend what you don't have.
I'm pretty much self taught. I've learned from mistakes and lots of reading.
I learned a better economic/finance world view from the book Basic Economics by Thomas Sowell
I think one of the toughest aspects of working from home is finding a “Real” opportunity and not a scam. There are a ton of sites out there that claim to be unbiased but usually they are just affiliate marketers trying to make a commission. www.lucrativeminds.com is a research and education website that provides a lot of information on work from home opportunities even what social media is saying about them. It is worth a look if you are looking to work from home they can even match you.
Good Luck
Wonderful article! Not only am I the daughter of an organic Mango farmer, but I cooked for a Ritz-Carlton for awhile (the freakin Ritz! It's the granddaddy of luxury hotels!) and let me tell you, for most of them, the food prepared and cooked in their kitchens was unhealthy and a good portion of it was flash frozen and pre-packaged. Now imagine a Denny's for a moment
...
Ugh. And it is SO much more budget conscious to cook at home. Make a simple batch of lentil, vegetable and quinoa soup and freeze it. You can eat on that for days. Plus, when it comes down to it the biggest costs are your health and your community (see: local restaurants, farms and food co-ops/grocery stores) and really, who wants to sacrifice that?
Wine corks glued to a backer board make a great message center/bulletin board in a kitchen too! Great tips.
So many great resources back in the day! Thanks for helping us remember the wisdom of our parents and grandparents.
I really want to get my hands on some water kefir grains and try making soda that way.