There are some things that you should never sacrifice quality for just to save since it becomes 'hazardous' to your safety or health. As you mentioned, these are usually the bigger or more important things in life (including items indispensable in the home) such as appliances, vehicles, food (in terms of it being safe, i'm not telling you to spend a LOT on this) and education to name a few. It is usually the added up little things and habits that you spend on that makes the dent in your finances. Movies, eating out, regular salon or spa treatments, shopping sprees every payday - these are the things that one should cut back on or try to get cheaper...
I had a life policy at work that included AD&D insurance. Then I had an accident and lost an eye, resulting in a large payout. I can still work -wouldnt count as disabled, but not as much and probably not as long, plus I need to get help for some things. All in all, the insurance basically means I don't have a financial loss to go along with the non-financial loss. Seems like a good use for insurance to me. I didn't even know I had the policy and probably wouldn't have paid extra for it, but it worked, they paid out like they were supposed to.
One of our goals for 2012 is to eliminate using credit cards -- we've been doing ok the last few months, but some big expenses this month have necessitated shifting some expenses to next month's xmas bonus.
- Pay off my 2 remaining credit card balances
- Bring my emergency fund savings up to 3-6 months worth.
- Contribute as close to $5000 as I can to my ROTH IRA.
I hope to get my Money Planner to help along the way!
You have got to add some dressing to that cranberry roll up!
Here's my favorite:
Turkey and Dressing Casserole
1 box Stove Top stuffing
1 to 1 1/2 lbs. shredded turkey meat
1 can cream of chicken soup
1 lb mixed frozen vegetables, thawed and drained (optional)
Make stuffing according to directions. Combine remaining ingredients to the prepared stuffing and pour into greased 13 x 9 dish. Bake at 350 degrees for 20 minutes.
If that's not enough for you, here is my other leftover turkey:
BBQ Turkey Sandwiches
3 cups shredded turkey
1/4 cup diced onion
1 tablespoon butter or margarine
1 bottle of your favorite BBQ sauce
6 Kaiser rolls
1 pint of creamy cole slaw
Saute onion in butter until tender. In a pot combine BBQ sauce, shredded turkey, and sauteed onion. Bring just to a boil. Serve on rolls and top with cole slaw. Great with leftover mashed potatoes.
My boyfriend and I are having a contest - from January to December 2012, we are both saving half (or more) of our post tax income. Whoever comes out with a higher percentage saved wins!
There may be good reasons for needing to make meals ahead of time. Working hard on a law degree is a bit different from wasting time watching TV. Personally, I came across this article because I am going to be without an oven for a short period of time due to building work. I want ideas for tasty, healthy meals I can make, freeze & reheat to feed my family so that we don't have to resort to shop-bought ready meals or takeaways.
Wow. That's a pretty shallow stance to take: You won't be in a photo with someone poorly groomed? If you care about someone, what dif does it make what they look like? And if you don't care about them, why are you hanging out with them? If someone cared enough about me to want to be in a photo with me, I would grant their request. Who am I to hurt their feelings by saying no? I would be flattered and would be thinking of them, not myself.
A secondhand plastic dog kennel needs to be washed out with hot soapy water with a little bleach in it, just in case the former tenant had ringworm or Giardia. Both are highly contagious, and when our dog picked up a case of each (several months apart) walking on the neighborhood dog trail, it was very expensive to get cleared up. And the vet recommended bleach cleaning his house, toys, and bedding.
My biggest goal for 2012 is to eat out less and cook more at home. We spent a lot on restaurants in 2011. Also, I would like to contribute more to my children's 529 accounts.
I generally try to buy clothes or other small ticket items but this year I bought a car! I needed one within the next month and found the deals to be worth it so I pulled the trigger. Hopefully I have some money left for Cyber Monday!
I get stressed out by shopping at the best of times. No way could I enjoy shopping on Black Friday. I usually pick a snowy evening and go into all the small local shops rather than the big stores or the mall. Any other gift shopping I try to do online.
I hope to make a dent in my debt this year!
I'm going to pay off my car loan and credit card debt in 2012!
My financial goal for 2012 is to pay off credit card debt and at least double the emergency fund.
What about if you live in Hollywood? O_0
My 2012 financial goal is to spend more frugally and help others do the same.
There are some things that you should never sacrifice quality for just to save since it becomes 'hazardous' to your safety or health. As you mentioned, these are usually the bigger or more important things in life (including items indispensable in the home) such as appliances, vehicles, food (in terms of it being safe, i'm not telling you to spend a LOT on this) and education to name a few. It is usually the added up little things and habits that you spend on that makes the dent in your finances. Movies, eating out, regular salon or spa treatments, shopping sprees every payday - these are the things that one should cut back on or try to get cheaper...
I had a life policy at work that included AD&D insurance. Then I had an accident and lost an eye, resulting in a large payout. I can still work -wouldnt count as disabled, but not as much and probably not as long, plus I need to get help for some things. All in all, the insurance basically means I don't have a financial loss to go along with the non-financial loss. Seems like a good use for insurance to me. I didn't even know I had the policy and probably wouldn't have paid extra for it, but it worked, they paid out like they were supposed to.
I Plan to pay off bills and be debt free in 2012.
One of our goals for 2012 is to eliminate using credit cards -- we've been doing ok the last few months, but some big expenses this month have necessitated shifting some expenses to next month's xmas bonus.
My goal is to restore my emergency fund and then begin saving regularly for house projects.
I want to make extra payments on my mortgage.
My biggest financial goal for 2012 is to save for Christmas shopping all year long so that I don't blow my budget like I'm doing this year.
My financial goals for 2012:
- Pay off my 2 remaining credit card balances
- Bring my emergency fund savings up to 3-6 months worth.
- Contribute as close to $5000 as I can to my ROTH IRA.
I hope to get my Money Planner to help along the way!
I thought it was against the rule to use credit cards with annual fees?
You have got to add some dressing to that cranberry roll up!
Here's my favorite:
Turkey and Dressing Casserole
1 box Stove Top stuffing
1 to 1 1/2 lbs. shredded turkey meat
1 can cream of chicken soup
1 lb mixed frozen vegetables, thawed and drained (optional)
Make stuffing according to directions. Combine remaining ingredients to the prepared stuffing and pour into greased 13 x 9 dish. Bake at 350 degrees for 20 minutes.
If that's not enough for you, here is my other leftover turkey:
BBQ Turkey Sandwiches
3 cups shredded turkey
1/4 cup diced onion
1 tablespoon butter or margarine
1 bottle of your favorite BBQ sauce
6 Kaiser rolls
1 pint of creamy cole slaw
Saute onion in butter until tender. In a pot combine BBQ sauce, shredded turkey, and sauteed onion. Bring just to a boil. Serve on rolls and top with cole slaw. Great with leftover mashed potatoes.
I will buy a house in 2012.
My boyfriend and I are having a contest - from January to December 2012, we are both saving half (or more) of our post tax income. Whoever comes out with a higher percentage saved wins!
I'll always choose my credit card over debit. The rewards are much better and as you mentioned, you can't beat the protection with a credit card.
There may be good reasons for needing to make meals ahead of time. Working hard on a law degree is a bit different from wasting time watching TV. Personally, I came across this article because I am going to be without an oven for a short period of time due to building work. I want ideas for tasty, healthy meals I can make, freeze & reheat to feed my family so that we don't have to resort to shop-bought ready meals or takeaways.
Wow. That's a pretty shallow stance to take: You won't be in a photo with someone poorly groomed? If you care about someone, what dif does it make what they look like? And if you don't care about them, why are you hanging out with them? If someone cared enough about me to want to be in a photo with me, I would grant their request. Who am I to hurt their feelings by saying no? I would be flattered and would be thinking of them, not myself.
A secondhand plastic dog kennel needs to be washed out with hot soapy water with a little bleach in it, just in case the former tenant had ringworm or Giardia. Both are highly contagious, and when our dog picked up a case of each (several months apart) walking on the neighborhood dog trail, it was very expensive to get cleared up. And the vet recommended bleach cleaning his house, toys, and bedding.
I hope to be ready to retire on December 31, 2012
My biggest goal for 2012 is to eat out less and cook more at home. We spent a lot on restaurants in 2011. Also, I would like to contribute more to my children's 529 accounts.
I generally try to buy clothes or other small ticket items but this year I bought a car! I needed one within the next month and found the deals to be worth it so I pulled the trigger. Hopefully I have some money left for Cyber Monday!
I get stressed out by shopping at the best of times. No way could I enjoy shopping on Black Friday. I usually pick a snowy evening and go into all the small local shops rather than the big stores or the mall. Any other gift shopping I try to do online.