Playing an MMO such as World of Warcraft can also save you a ton of money. If that's the activity that you do in your free time then you're basically paying $15 a month for all your entertainment. Now whether spending all your free time playing video games is good for your mental and social health is another question, but it will definitely save you lots of money.
I have either algae or fungus growing in my back yard. It looks like my grass is dying but it isnt. It has a goldest color to it and when i cut the grass you can see the goldest flying in the air. Is there anything that I can do to get rid of this. Thanks.
I hate budgets, but every time I've tried to live without one I've paid a high price. So I don't know if I'll ever enjoy the act of planning and accounting for every nickel, but I recognize that it needs to be done. It can mean some tense moments and giving up things we want, but budgets are like breathing--don't stop or you'll regret it.
Budgets are hotter than ever! For the younger generations, there is never been a reason or need to put away money for various reasons and keep track of all your pennies. I'm 23 and I love my budget! Starting off in an entry-level job and being newly married, we probably wouldn't have groceries if we didn't have a budget for the various spending categories. And now that I've become a budgeteer, I would never go back!! I love working my excel spreadsheet and checking off the receipts -- it's so "hot"!
It wasn't a factor at all during our relationship until we started living together. Then his lavish spending was an issue. It still is to some extent, but he has gotten much better about his spending.
Another famous writer who wrote about hunger was Knut Hamsun, Noble Prize winner, in his book "Hunger". No, sorry, I haven't read it yet and can't tell how it is.
Usually on Monday nights I go out for a local pub's Pint Nite special ($2.75 pints - many craft beers!), but last night, I reorganized my bookshelf instead. Yes, I got some satisfaction out of that, but I think this might be a classic example of some things not being worth the frugality!
Here is the link to a pic of a dog bed I made from the uppers while I was making my jeans rag quilt. I put one inside the other and sewed the waistbands together starting from one side of the button/zipper. I then turned it inside-out and sewed the leg/crotch across on each end and turned it back the right way through the zippers. I stuffed it with lots of the scraps from the rag quilt and, voila, Stubby has a new bed!
For those of you who think it is sooooo cool and awesome to sew over the beltloops and pockets, there is a reason that most folks don't do that. Sewing through 5 or 6 layers of denim will destroy your machine, IF you can even fit that through. It will certainly break your needle. You'd need an industrial machine and it would still be a chore. Feel free to try, though. I started my quilt by including pockets, but am not bothering any more as I get close to the end.
It is a great business tool for anyone who has a business, but it's also a great tool for learning more about ANY topic.
Parenting, cars, people who are into health/fitness, celebrities, have an interest or hobby then there is a tribe of people on twitter sharing useful info about it.
You CAN waste time on twitter or you can use it as a tool. It's a fantastic tool once you learn how to use it.
I could not agree more! I also have a NetSpend card, for which I paid $10 when I opened the account five years ago. My husband's check is direct deposited into the account, and our money is safe for shopping, atms, whatever. Of course, there are fees, but not nearly what a bank charges. We no longer use banks, this is our only account. Yes, NetSpend charges 50 cents to call for a balance check, but if you register online, you can access your account anytime for free. If you have a cell phone, they will notify you when the funds have been deposited. We could not live without this card, it has been a Godsend and has saved us hundreds of dollars in bank fees. You don't want it? Throw it away. No one can use it until funds are loaded on it, so what are you complaining about?
It's not too late to see it on the big screen. I waited until it showed up in our dollar theater (still there), which is pretty nice for a late run theater.
I eat the same boring (yet yummy) sandwich every day, I don't have time to read books, I don't drink coffee and I don't currently own a car... Where are my millions??? lol
I don't think you could call budgeting hot necesarily. But I'd rather date someone who has plans and goals and is saving money to work towards those things than someone who squanders every last penny.
On the other hand you don't want someone who refuses to have any fun because they are saving so much. Life is for living!
While the word 'budget' is not very sexy, the results certainly can be. My husband had a totally spendthrift previous wife who left him incredibly in debt. By the time I met him, he had pretty much paid it off but hadn't learned to actually manage his money himself. Through a few object lessons - like, oh, you don't have any money to go on vacation with me? Maybe you should set aside a few bucks each month for that purpose. Bye. -- he learned to plan ahead for expenses.
We've always had his, hers and ours bank accounts. What the household needs gets deposited by each of us into the 'ours' account. Household includes joint goals, like vacations, new appliances/furniture for the house, gifts to families, etc. as well as food, utilities, mortgage, etc. The household contribution was based proportionally so if one of us made a lot more than the other, that person contributed more. What's left in "his' and 'hers' is spent as each of us sees fit. Saves enormously on arguments.
Consequently, we are now pretty comfortable and haven't had a serious money disagreement in years.
Every year I go in with good intentions, I write up a budget, spend hours on perfecting it but it tends to be forgotten. I just use it to gauge about how much I should be spending. Not a live or die figure. By creating a budget I try to use it to see where I can afford to cut back. Just my 2 cents.
Budgets are totally hot, but not a make-it-or-break it factor for me. My partner doesn't have the same grasp on her money that I do with mine, but she's gotten a lot better over the years and we've reached a compromise that has me taking care of most of our dual financial stuff. I trust her to make her own good decisions, but I also hedge my bets by making sure we each contribute as much as we can when the paychecks arrive to a general and emergency savings fund, so as a couple we're not left dangling eventually.
Since I have always lived very simply, I always had money to save. My partner is the same, but I had to help him along boosting his income (I sent him to become a Nurse).
That was 23 years ago. In retrospect, I wish I has spent more along the way, and just stashed my saving into TIPS or something like that, and not worried about what investments to purchase. The investment racket is an insider's game....and I was as far from an insider as possible.
So when the crash of 2007 came, I suffered when I could have been surrounded with a lot more of what actually interests me.
I have never been sure exactly WHY I have been saving, I really don't have a goal, so it was a mistake to not live more in the NOW.
Especially in economic times like these, it seems like frugality is the new trend. I agree with this idea, but I think any shifts to sudden extremes may be hard to incorporate into one's lifestyle in the long run. Rather, I believe in modifications in one's spending so that frugality become habit. Also, it's nice to think about whether the time spent being frugal is worth spent.
Personally, I think men who are capable of controlling their money is a good feature. Also, I think likes gravitate toward likes-- if you like to spend money, I think it should be fair to assume the other person does also. Generally, I like those who are moderate. To me, I compare spending to staying fit (ie. extreme diets and gluttony aren't effective in the long run). Moderation = :)
The point is not that you need to divide the cost over your entire life, but that you understand that when you pay the cost doesn't make much difference. Paying cash for a car is cheaper than getting a car loan, but only because the interest charged on the car loan is greater than the rate you can earn on your savings account. (In a bizarro world where savings accounts paid 12% but car loans only cost 0.5%, you'd want to get the biggest car loan you could and stash your cash in the bank.)
It's easy for the timing issue to confuse things, though. My wife knew a guy who wrote a successful play and made enough money to buy a brownstone in New York. The guy could have paid cash, or he could have gotten a mortgage (with a larger or smaller down payment). Which he did made a difference on a cash-flow basis, but it really didn't make any difference on a capital basis. Owning a brownstone free and clear with no money in the bank versus owning a brownstone with a big mortgage but lots of cash in the bank is just about the same thing--in fact, if mortgage rates and savings rates were equal, it'd be exactly the same thing. The fact that he had made a bunch of money gave him options about the timing of when to pay, but which option he picked made no difference to the cost structure of his household.
You don't have to sign up for a Twitter account to follow someone. If you know their user name on Twitter, do a search for them. When you find them, click "follow in a reader" (should appear on the right side bar) and you can just add their feeds to your RSS reader. I did this with quite a few people, and I don't have a Twitter account. Pretty cool. Of course, this is only useful if you don't want to communicate back.
I think this could be used a small quick twitter guide. Has a lot of good to do's. I find it very hard to follow all 100 people i am following. It can be time consuming if you have other things to do!
Playing an MMO such as World of Warcraft can also save you a ton of money. If that's the activity that you do in your free time then you're basically paying $15 a month for all your entertainment. Now whether spending all your free time playing video games is good for your mental and social health is another question, but it will definitely save you lots of money.
I have either algae or fungus growing in my back yard. It looks like my grass is dying but it isnt. It has a goldest color to it and when i cut the grass you can see the goldest flying in the air. Is there anything that I can do to get rid of this. Thanks.
I hate budgets, but every time I've tried to live without one I've paid a high price. So I don't know if I'll ever enjoy the act of planning and accounting for every nickel, but I recognize that it needs to be done. It can mean some tense moments and giving up things we want, but budgets are like breathing--don't stop or you'll regret it.
Budgets are hotter than ever! For the younger generations, there is never been a reason or need to put away money for various reasons and keep track of all your pennies. I'm 23 and I love my budget! Starting off in an entry-level job and being newly married, we probably wouldn't have groceries if we didn't have a budget for the various spending categories. And now that I've become a budgeteer, I would never go back!! I love working my excel spreadsheet and checking off the receipts -- it's so "hot"!
Here's my tutorial for a jeans rag quilt that I posted on Craftster. It might help some folks get started. (Warning--pic heavy!)
http://www.craftster.org/forum/index.php?topic=318697.msg3671143#msg3671143
It wasn't a factor at all during our relationship until we started living together. Then his lavish spending was an issue. It still is to some extent, but he has gotten much better about his spending.
Another famous writer who wrote about hunger was Knut Hamsun, Noble Prize winner, in his book "Hunger". No, sorry, I haven't read it yet and can't tell how it is.
Usually on Monday nights I go out for a local pub's Pint Nite special ($2.75 pints - many craft beers!), but last night, I reorganized my bookshelf instead. Yes, I got some satisfaction out of that, but I think this might be a classic example of some things not being worth the frugality!
http://viewmorepics.myspace.com/index.cfm?fuseaction=viewImage&friendID=...
Here is the link to a pic of a dog bed I made from the uppers while I was making my jeans rag quilt. I put one inside the other and sewed the waistbands together starting from one side of the button/zipper. I then turned it inside-out and sewed the leg/crotch across on each end and turned it back the right way through the zippers. I stuffed it with lots of the scraps from the rag quilt and, voila, Stubby has a new bed!
http://viewmorepics.myspace.com/index.cfm?fuseaction=viewImage&friendID=...
For those of you who think it is sooooo cool and awesome to sew over the beltloops and pockets, there is a reason that most folks don't do that. Sewing through 5 or 6 layers of denim will destroy your machine, IF you can even fit that through. It will certainly break your needle. You'd need an industrial machine and it would still be a chore. Feel free to try, though. I started my quilt by including pockets, but am not bothering any more as I get close to the end.
It is a great business tool for anyone who has a business, but it's also a great tool for learning more about ANY topic.
Parenting, cars, people who are into health/fitness, celebrities, have an interest or hobby then there is a tribe of people on twitter sharing useful info about it.
You CAN waste time on twitter or you can use it as a tool. It's a fantastic tool once you learn how to use it.
I could not agree more! I also have a NetSpend card, for which I paid $10 when I opened the account five years ago. My husband's check is direct deposited into the account, and our money is safe for shopping, atms, whatever. Of course, there are fees, but not nearly what a bank charges. We no longer use banks, this is our only account. Yes, NetSpend charges 50 cents to call for a balance check, but if you register online, you can access your account anytime for free. If you have a cell phone, they will notify you when the funds have been deposited. We could not live without this card, it has been a Godsend and has saved us hundreds of dollars in bank fees. You don't want it? Throw it away. No one can use it until funds are loaded on it, so what are you complaining about?
Thanks for the mention.
I read somewhere that twitter is like a stream, you dip your toes in when you need info, or want to connect.
It can seem like a raging river, so start slow.
I follow over 500 people without Tweetdeck, and I just read really fast. :)
I don't read every tweet, but if I read something interesting, I may go back and look at a user's profile and find more interesting stuff.
It's my favorite way of finding good reading material online.
As for those who don't "get" it, in my experience they usually haven't even tried it.
It's not too late to see it on the big screen. I waited until it showed up in our dollar theater (still there), which is pretty nice for a late run theater.
I eat the same boring (yet yummy) sandwich every day, I don't have time to read books, I don't drink coffee and I don't currently own a car... Where are my millions??? lol
I don't think you could call budgeting hot necesarily. But I'd rather date someone who has plans and goals and is saving money to work towards those things than someone who squanders every last penny.
On the other hand you don't want someone who refuses to have any fun because they are saving so much. Life is for living!
While the word 'budget' is not very sexy, the results certainly can be. My husband had a totally spendthrift previous wife who left him incredibly in debt. By the time I met him, he had pretty much paid it off but hadn't learned to actually manage his money himself. Through a few object lessons - like, oh, you don't have any money to go on vacation with me? Maybe you should set aside a few bucks each month for that purpose. Bye. -- he learned to plan ahead for expenses.
We've always had his, hers and ours bank accounts. What the household needs gets deposited by each of us into the 'ours' account. Household includes joint goals, like vacations, new appliances/furniture for the house, gifts to families, etc. as well as food, utilities, mortgage, etc. The household contribution was based proportionally so if one of us made a lot more than the other, that person contributed more. What's left in "his' and 'hers' is spent as each of us sees fit. Saves enormously on arguments.
Consequently, we are now pretty comfortable and haven't had a serious money disagreement in years.
Every year I go in with good intentions, I write up a budget, spend hours on perfecting it but it tends to be forgotten. I just use it to gauge about how much I should be spending. Not a live or die figure. By creating a budget I try to use it to see where I can afford to cut back. Just my 2 cents.
Hot, hot hot!
Budgets are totally hot, but not a make-it-or-break it factor for me. My partner doesn't have the same grasp on her money that I do with mine, but she's gotten a lot better over the years and we've reached a compromise that has me taking care of most of our dual financial stuff. I trust her to make her own good decisions, but I also hedge my bets by making sure we each contribute as much as we can when the paychecks arrive to a general and emergency savings fund, so as a couple we're not left dangling eventually.
Since I have always lived very simply, I always had money to save. My partner is the same, but I had to help him along boosting his income (I sent him to become a Nurse).
That was 23 years ago. In retrospect, I wish I has spent more along the way, and just stashed my saving into TIPS or something like that, and not worried about what investments to purchase. The investment racket is an insider's game....and I was as far from an insider as possible.
So when the crash of 2007 came, I suffered when I could have been surrounded with a lot more of what actually interests me.
I have never been sure exactly WHY I have been saving, I really don't have a goal, so it was a mistake to not live more in the NOW.
Especially in economic times like these, it seems like frugality is the new trend. I agree with this idea, but I think any shifts to sudden extremes may be hard to incorporate into one's lifestyle in the long run. Rather, I believe in modifications in one's spending so that frugality become habit. Also, it's nice to think about whether the time spent being frugal is worth spent.
Personally, I think men who are capable of controlling their money is a good feature. Also, I think likes gravitate toward likes-- if you like to spend money, I think it should be fair to assume the other person does also. Generally, I like those who are moderate. To me, I compare spending to staying fit (ie. extreme diets and gluttony aren't effective in the long run). Moderation = :)
I've written before about valuing houses and how to think about equity. I think, though, that you do understand the issue.
The point is not that you need to divide the cost over your entire life, but that you understand that when you pay the cost doesn't make much difference. Paying cash for a car is cheaper than getting a car loan, but only because the interest charged on the car loan is greater than the rate you can earn on your savings account. (In a bizarro world where savings accounts paid 12% but car loans only cost 0.5%, you'd want to get the biggest car loan you could and stash your cash in the bank.)
It's easy for the timing issue to confuse things, though. My wife knew a guy who wrote a successful play and made enough money to buy a brownstone in New York. The guy could have paid cash, or he could have gotten a mortgage (with a larger or smaller down payment). Which he did made a difference on a cash-flow basis, but it really didn't make any difference on a capital basis. Owning a brownstone free and clear with no money in the bank versus owning a brownstone with a big mortgage but lots of cash in the bank is just about the same thing--in fact, if mortgage rates and savings rates were equal, it'd be exactly the same thing. The fact that he had made a bunch of money gave him options about the timing of when to pay, but which option he picked made no difference to the cost structure of his household.
You don't have to sign up for a Twitter account to follow someone. If you know their user name on Twitter, do a search for them. When you find them, click "follow in a reader" (should appear on the right side bar) and you can just add their feeds to your RSS reader. I did this with quite a few people, and I don't have a Twitter account. Pretty cool. Of course, this is only useful if you don't want to communicate back.
For me, the worst part of cooking from scratch (which is something I love to do, and do regularly) is the clean up.
So, I was smart.
I married a man who has no problem doing dishes. :)
I think this could be used a small quick twitter guide. Has a lot of good to do's. I find it very hard to follow all 100 people i am following. It can be time consuming if you have other things to do!