I do apologize, because I figured the recipe with 1/2 cup of chopped walnuts. That is the only change that I made to the recipe when calculating it. I do apologize again for not catching that before I sent the first calculation. The 1/2 cup of chopped walnuts adds 11 points to the overall recipe. So, without the nuts it would be 35 point value for the total recipe. Then just figure it accordingly. 10 cookies would be about 3 points and and 20 cookies would be roughly 1 point value.
Mine came fairly early in life. I was 19, in college and without a job, and had a bank account over $100 in overdraft. I was flat broke and in credit card debt. That was my wake-up call that I needed to be an adult and get my act together. I got a job cleaning classrooms and slowly worked myself back into the black and paid off my credit card.
I am 25 now and while I still make mistakes with my finances every now and then, I am grateful that I started to understand it all at such a young age.
Hi, I run this recipe, as is, with no changes through the recipe calculator for WW. Mind you, I have not made this recipe but plan to, so I don't know how many cookies this recipe makes, with all this said, the overall recipe has a point value of 46. If you make 10 cookies from batch, that would be 5 points per cookie. If you make 20 cookies from batch, that would be 2 points per cookie. This is what helped me decide this is a great breakfast, or maybe an anytime snack.. Thanks for the recipe.
As a govt employee, I should say give...but in reality, between taxes and student loans, the govt takes half of my income anyways! I agree with the comment asking to earmark donations for alleviating national debt...but otherwise, I'm keeping my half.
My fork in the road came on the day that my teenage daughter's best friend was killed in an auto accident. While trying to be available to the many people who needed comforted at that time I was receiving collection calls and harassing letters. At the exact moment we learned of her death a neighbor came to our door and told us that "someone" had called her home and left a message for us to call him-it was a collector trying to get us to call him every way he could. I was so overwhelmed by my financial mess that I couldn't be there to help my daughter heal.
I drew a line in the sand that day and said "whatever it takes, I will get out of this mess!" Three years, one bankruptcy, two job losses, and one nervous breakdown later, I'm nearly out of debt and more free than I've ever been in my life!
Mine was when I inherited my husband's credit card debt. I had always been responsible with money, and couldn't stand the thought that we were paying so much interest on purchases that we no longer could enjoy. So, we both made the decision that we weren't going to continue this lifestyle as a couple, and we paid off his CC debts, as well as our cars and my student loans. Been debt free (except for mortgage) for three years.
When I went away to University I received alot of scholarship/bursary/loan money for my first year. I spent it all - $250 a pop on clothes, shopping, etc. Had to move home for the summer between 1st and 2nd year, because with no job I couldn't afford to stay. I didn't have as much money from those sources in the years after, which really taught me how to live on a budget. I still splurge sometimes when I probably shouldn't now, but I never regret it.
Just to be clear - the only debt I have is government student loans - I didn't get myself in too deep, never spent more than I had.
Anyway, lesson is I could have had a few thousand dollars left over after my first year, but didn't. Caused me to think about all spending carefully since, and I save alot.
I think the one I remember most was the first (and only) time I was denied for a credit card. I'd always had great credit, but carried balances as many people did/do. It was just a few years back at the height of the credit squeeze, and my ratio of debt to available credit was too high. It was a small wake-up call to know that even a free-wheeling, uncaring, anonymous bank thought I had too much debt! Frankly, it was also a little embarrassing, because I'd always thought I was 'doing just fine' with my money choices. It worked, though. I'm debt-free and now paying for my future instead of my past.
It would be so great if younger students could use e-books instead of regular textbooks. I always hated not being able to write in the issued books at school. You should see my college texts! There's tons of writing and highlighting in all of them. E-books let the students make notes in the margins and highlight important passages.
My financial fork in the road is NOW. I just graduated college, debt free thankfully, but now I have to figure out how to, not only save for today but also, for my future. I'm slowly becoming more and more financially literate by reading blogs like these. I'm learning about investing, IRA's, better ways to handle my checkings and savings accounts, etc. I've always been good with money, but this is a WHOLE other ballgame!
I LOVE Spotify! But it was so overwhelming at first because I didn't know what to add to my playlists since I could choose anything! I also love Pandora but I was getting sick of the commercials. I also recently discovered 8track which features homemade playlists from other users, so you can click a couple of keywords and different playlists appear. It's a really cool website and it's free! And I don't think there are ads, but I could be wrong.
Mine is definitely about my student loans and planning to finance my education. It's ongoing and I will probably be dealing with it for years, but I'll endure! And I'm sure you're credit score was better than a temperature outside, but that made me laugh.
I'm not sure what medical condition would prohibit you from drinking sun tea, eating raw vegetables or enjoying dried fruit, but I'd hardly call those items high protein. Also, I in no way suggested you needed to eat large amounts. The whole point of the article is snacking, not ingesting large amounts of any one food item. You may want to go back and actually read the entire article. It appears you missed a large portion of it.
My financial fork in the road was trying to buy my first car in 2005 with a 525 credit score and I couldn't. No one would approve me. At 25 years old and I couldn't even buy a car, how was I going to take care of my disabled father? It was a long hard road from then on but I did it :)
I already give a hefty portion of my salary to the government through taxes--they aren't getting any more from me! I will, however, give more to organizations like NPR and Planned Parenthood, that got shafted by the government and their funding stripped.
I completed my test today, was approved and received one "job" right off the bat. So far so good.
I do apologize, because I figured the recipe with 1/2 cup of chopped walnuts. That is the only change that I made to the recipe when calculating it. I do apologize again for not catching that before I sent the first calculation. The 1/2 cup of chopped walnuts adds 11 points to the overall recipe. So, without the nuts it would be 35 point value for the total recipe. Then just figure it accordingly. 10 cookies would be about 3 points and and 20 cookies would be roughly 1 point value.
Mine came fairly early in life. I was 19, in college and without a job, and had a bank account over $100 in overdraft. I was flat broke and in credit card debt. That was my wake-up call that I needed to be an adult and get my act together. I got a job cleaning classrooms and slowly worked myself back into the black and paid off my credit card.
I am 25 now and while I still make mistakes with my finances every now and then, I am grateful that I started to understand it all at such a young age.
Hi, I run this recipe, as is, with no changes through the recipe calculator for WW. Mind you, I have not made this recipe but plan to, so I don't know how many cookies this recipe makes, with all this said, the overall recipe has a point value of 46. If you make 10 cookies from batch, that would be 5 points per cookie. If you make 20 cookies from batch, that would be 2 points per cookie. This is what helped me decide this is a great breakfast, or maybe an anytime snack.. Thanks for the recipe.
As a govt employee, I should say give...but in reality, between taxes and student loans, the govt takes half of my income anyways! I agree with the comment asking to earmark donations for alleviating national debt...but otherwise, I'm keeping my half.
My fork in the road came on the day that my teenage daughter's best friend was killed in an auto accident. While trying to be available to the many people who needed comforted at that time I was receiving collection calls and harassing letters. At the exact moment we learned of her death a neighbor came to our door and told us that "someone" had called her home and left a message for us to call him-it was a collector trying to get us to call him every way he could. I was so overwhelmed by my financial mess that I couldn't be there to help my daughter heal.
I drew a line in the sand that day and said "whatever it takes, I will get out of this mess!" Three years, one bankruptcy, two job losses, and one nervous breakdown later, I'm nearly out of debt and more free than I've ever been in my life!
Mine was when I inherited my husband's credit card debt. I had always been responsible with money, and couldn't stand the thought that we were paying so much interest on purchases that we no longer could enjoy. So, we both made the decision that we weren't going to continue this lifestyle as a couple, and we paid off his CC debts, as well as our cars and my student loans. Been debt free (except for mortgage) for three years.
All can be said about tea as well.....
Not unless there is proof of responsibility.
It really depends on what kind of tote bag the government is giving out.
20% off school supplies at Target and Hobby Lobby would really hit the spot.
When I went away to University I received alot of scholarship/bursary/loan money for my first year. I spent it all - $250 a pop on clothes, shopping, etc. Had to move home for the summer between 1st and 2nd year, because with no job I couldn't afford to stay. I didn't have as much money from those sources in the years after, which really taught me how to live on a budget. I still splurge sometimes when I probably shouldn't now, but I never regret it.
Just to be clear - the only debt I have is government student loans - I didn't get myself in too deep, never spent more than I had.
Anyway, lesson is I could have had a few thousand dollars left over after my first year, but didn't. Caused me to think about all spending carefully since, and I save alot.
I think the one I remember most was the first (and only) time I was denied for a credit card. I'd always had great credit, but carried balances as many people did/do. It was just a few years back at the height of the credit squeeze, and my ratio of debt to available credit was too high. It was a small wake-up call to know that even a free-wheeling, uncaring, anonymous bank thought I had too much debt! Frankly, it was also a little embarrassing, because I'd always thought I was 'doing just fine' with my money choices. It worked, though. I'm debt-free and now paying for my future instead of my past.
hiking is one of my favorites also, great way to be outside and if you have a group, hang out with friends and family at the same time
thanks Andrea -- I thought of geocaching but have never actually done it
This link tells you where you send the money: http://www.fms.treas.gov/faq/moretopics_gifts.html
Are you going to actually do it?
It would be so great if younger students could use e-books instead of regular textbooks. I always hated not being able to write in the issued books at school. You should see my college texts! There's tons of writing and highlighting in all of them. E-books let the students make notes in the margins and highlight important passages.
My financial fork in the road is NOW. I just graduated college, debt free thankfully, but now I have to figure out how to, not only save for today but also, for my future. I'm slowly becoming more and more financially literate by reading blogs like these. I'm learning about investing, IRA's, better ways to handle my checkings and savings accounts, etc. I've always been good with money, but this is a WHOLE other ballgame!
Uhhh, don't people do this indirectly already with political donations?
I LOVE Spotify! But it was so overwhelming at first because I didn't know what to add to my playlists since I could choose anything! I also love Pandora but I was getting sick of the commercials. I also recently discovered 8track which features homemade playlists from other users, so you can click a couple of keywords and different playlists appear. It's a really cool website and it's free! And I don't think there are ads, but I could be wrong.
Mine is definitely about my student loans and planning to finance my education. It's ongoing and I will probably be dealing with it for years, but I'll endure! And I'm sure you're credit score was better than a temperature outside, but that made me laugh.
I'm not sure what medical condition would prohibit you from drinking sun tea, eating raw vegetables or enjoying dried fruit, but I'd hardly call those items high protein. Also, I in no way suggested you needed to eat large amounts. The whole point of the article is snacking, not ingesting large amounts of any one food item. You may want to go back and actually read the entire article. It appears you missed a large portion of it.
My financial fork in the road was trying to buy my first car in 2005 with a 525 credit score and I couldn't. No one would approve me. At 25 years old and I couldn't even buy a car, how was I going to take care of my disabled father? It was a long hard road from then on but I did it :)
sounds like a great way to spend time -- in addition the cards, whatever is going on at the park adds to the entertainment
I already give a hefty portion of my salary to the government through taxes--they aren't getting any more from me! I will, however, give more to organizations like NPR and Planned Parenthood, that got shafted by the government and their funding stripped.