Great Tips! The only other one I would add is to just start with a budget for everything. This has helped us be able to be successful with all the tips you’ve suggested!!
I love Christmas but I hate all the commercials encouraging us to spend spend spend! I’ve shopped till I’ve dropped but this year I told my family I was cutting back and the whole family has cut back. We agreed Christmas is more about spending time together and less about spending money.
thanks for the great advice. i have been struggling with my weight for 15 years... when i was a child i was skinny, when i got to high school i gained a lot of weight, up to 350 lb i am also tall.. then in my early twenties i lost a lot of weight down to 190.. and now i have gained back 100 lb and am 30... and i don't wanna be big anymore or ever agian so i am on my mission to loss the 100 lb and some. i am a college student and eating healthy is harder than most people think.. its much easier for me and cheaper to eat a dollar burger or couple of tacos from taco bell then go cook a chicken breast or get fresh veggies.. i don't tend to eat a lot ... its just crappy food. so i am going to try your fiber and water idea and i am getting a membership with the college gym. thanks for the inspiration and ideas from Texas!
My financial resolutions this year are no different than my resolutions last year: to be cautious and frugal so as to be able to get by. At some point, I'd really love to start an emergency fund.
Now I know this tip won't be for everyone!
I don't eat lunch.
When I first started doing this I lost 15 lbs almost immediately, without trying.
I have protein in the morning (usually a V8 low sodium and eggs), no lunch just green tea which prevents an appetite for me and is healthy and then a healthy dinner, usually fish or chicken and veggies and a salad (occasionally pasta or rice or potatoes).
That's it. I save a ton of money and got my size 8/10 back.
If I'm going to be working out more strenuously than normal, on the weekends, then I'll have some fruit and tuna or other lean protein.
But during the week no lunch. And a side benefit for me is my digestion has improved considerably.
We are planning on starting our retirement funds, and trying to get to a place where our money is working for us a bit better. We are also hoping to transfer our money to a credit union, where we feel it will be safer and better used.
Can you collect unemployment if you quit your job? It depends. In most cases, if you voluntarily left employment you are not eligible. However, if you left for "good cause" you may be able to collect. "Good cause" would be determined by the state unemployment office and you will be able to make a case for why you are eligible for benefits. If your claim is denied, you should be entitled to a hearing where you can plead your case."
This article was not meant to cover every single potential example of unemployment benefits, but rather to help people try to prevent an issue in which a dishonest employer tries to make it seem like a lay-off was actually a dismissal for performance reasons - a trend that was, at the time of writing, on the uptake.
If you plan to promote your business through blog commenting, I highly recommend creating a useful argument, rather than accusing bloggers of misleading readers, and then making a series of false statements yourself.
my cheap, healthy and super easy lunch is soup in my thermos. Basically I chop up anything hard: celery, carrots, squash, potato (I usually don't use this), onion, pumpkin, etc.. you get the idea.
I heat it up with low sodium bouillon + whatever spice, quinoa/barley/whatever you like and pour it into a thermos. By the time lunch has come around its is all soft and ready to eat. Its very tasty, healthy, satisfying and SUPER cheap. Lunch likely costs me $1.50 at most.
We've been debt-free for almost 2 years, so this year we want to be able to give more than we spend on ourselves (excluding re-curring bills such as phone/gas/electric, etc) as well as sink 50% of our total household income (one of us sinks our entire year's pay). This will position us for cash purchase of a retirement home in 36 months.
We are also designing our organic gardens in a way to re-purpose/re-use scrap materials and wood pulled from dead trees on our property for vertical and raised level plots and potagers. Approx 30% of our seeds are saved from 2011. 2012, we want to save 90% and be able to begin sharing with others. This will save us approx $600 annually and we can pass along the savings.
This year my financial goals will be geared towards continuing to pay down debt. Several bills will be cleared in a few months so the amounts paid onto them can roll over to pay other debts. I'll continue making the best use of my resources through frugal living and creative ideas.
Great Tips! The only other one I would add is to just start with a budget for everything. This has helped us be able to be successful with all the tips you’ve suggested!!
I love Christmas but I hate all the commercials encouraging us to spend spend spend! I’ve shopped till I’ve dropped but this year I told my family I was cutting back and the whole family has cut back. We agreed Christmas is more about spending time together and less about spending money.
thanks for the great advice. i have been struggling with my weight for 15 years... when i was a child i was skinny, when i got to high school i gained a lot of weight, up to 350 lb i am also tall.. then in my early twenties i lost a lot of weight down to 190.. and now i have gained back 100 lb and am 30... and i don't wanna be big anymore or ever agian so i am on my mission to loss the 100 lb and some. i am a college student and eating healthy is harder than most people think.. its much easier for me and cheaper to eat a dollar burger or couple of tacos from taco bell then go cook a chicken breast or get fresh veggies.. i don't tend to eat a lot ... its just crappy food. so i am going to try your fiber and water idea and i am getting a membership with the college gym. thanks for the inspiration and ideas from Texas!
3 Main things:
Go to Grad School
Start saving towards a 3-6 month emergency Fund
Look into funding a House.
My money resolution is simply to pay down my debts!!!
This year we plan on paying down as much debt as possible and repairing our credit
https://twitter.com/#!/fmhern/status/154386224889602048
My financial resolutions this year are no different than my resolutions last year: to be cautious and frugal so as to be able to get by. At some point, I'd really love to start an emergency fund.
Now I know this tip won't be for everyone!
I don't eat lunch.
When I first started doing this I lost 15 lbs almost immediately, without trying.
I have protein in the morning (usually a V8 low sodium and eggs), no lunch just green tea which prevents an appetite for me and is healthy and then a healthy dinner, usually fish or chicken and veggies and a salad (occasionally pasta or rice or potatoes).
That's it. I save a ton of money and got my size 8/10 back.
If I'm going to be working out more strenuously than normal, on the weekends, then I'll have some fruit and tuna or other lean protein.
But during the week no lunch. And a side benefit for me is my digestion has improved considerably.
Just my own experience, thought I'd share.
Both frugal living and striving for higher earnings are equally important behaviors.
We are planning on starting our retirement funds, and trying to get to a place where our money is working for us a bit better. We are also hoping to transfer our money to a credit union, where we feel it will be safer and better used.
You'll also notice that, in the actual article I wrote, the sentences are also not in the absolute. Hence the words "in general".
IN GENERAL, people who quit their jobs voluntarily do not qualify for unemployment. There are exceptions, and every state has different rules.
Look, here's more:
http://jobsearch.about.com/cs/unemployment/a/unemployment.htm
"When You Quit
Can you collect unemployment if you quit your job? It depends. In most cases, if you voluntarily left employment you are not eligible. However, if you left for "good cause" you may be able to collect. "Good cause" would be determined by the state unemployment office and you will be able to make a case for why you are eligible for benefits. If your claim is denied, you should be entitled to a hearing where you can plead your case."
This article was not meant to cover every single potential example of unemployment benefits, but rather to help people try to prevent an issue in which a dishonest employer tries to make it seem like a lay-off was actually a dismissal for performance reasons - a trend that was, at the time of writing, on the uptake.
If you plan to promote your business through blog commenting, I highly recommend creating a useful argument, rather than accusing bloggers of misleading readers, and then making a series of false statements yourself.
I love the question. If you can't answer "heck, yeah!", then it's probably one to skip.
http://twitter.com/#!/jacklope/status/154326810866352128
I'm going to eat out a lot less and hold off making any big purchases, let myself "cool off" before I pull the trigger.
I like you on FB and I'm tweeting from @jacklope now too
a vacation sounds great!!
my cheap, healthy and super easy lunch is soup in my thermos. Basically I chop up anything hard: celery, carrots, squash, potato (I usually don't use this), onion, pumpkin, etc.. you get the idea.
I heat it up with low sodium bouillon + whatever spice, quinoa/barley/whatever you like and pour it into a thermos. By the time lunch has come around its is all soft and ready to eat. Its very tasty, healthy, satisfying and SUPER cheap. Lunch likely costs me $1.50 at most.
We've been debt-free for almost 2 years, so this year we want to be able to give more than we spend on ourselves (excluding re-curring bills such as phone/gas/electric, etc) as well as sink 50% of our total household income (one of us sinks our entire year's pay). This will position us for cash purchase of a retirement home in 36 months.
We are also designing our organic gardens in a way to re-purpose/re-use scrap materials and wood pulled from dead trees on our property for vertical and raised level plots and potagers. Approx 30% of our seeds are saved from 2011. 2012, we want to save 90% and be able to begin sharing with others. This will save us approx $600 annually and we can pass along the savings.
Tweeted!
https://twitter.com/#!/Anacin368/status/154304986157813760
This year I'm going to finish paying off my credit card debt and contribute 15% to my 401k by the end of the year!
spend less money on food!
liked on facebook!
My goal is simply to have a higher net worth on 12/31/2012 than I did on 12/31/2011.
This year my financial goals will be geared towards continuing to pay down debt. Several bills will be cleared in a few months so the amounts paid onto them can roll over to pay other debts. I'll continue making the best use of my resources through frugal living and creative ideas.
My financial resolution is to save as much money as I can and put the money I save into being charitable.
Helping my kids find the best college and grad schools, post-scholarships!