Save your money, other ways better spent
Posted By: Not thankful on 2007-12-28
In Reply to: Do we continue to give a gift? Help! - Trixie
NM
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Ways we save
My husband has a 401K plan and we also have mutual funds. I had a very large retirement plan with my previous employer that we rolled over and invested. We're definitely not touching any of it, but it's nice to know if we got into a huge bind we'd have the money available.
Money spent and nothing to show for it
I paid a little over $600.00 for a dinette suite the first of April. They had to order and I called time and time again and finally told the store in August I wanted my money back. No reply. I took out a small claims against the company and the guy did not even show (although he got the complaint because he called me at home and said "I had fallen thru the crack." Yeh- right ! Anyway, by this time had bought another set and asked for just the return. No response to the file and now have gotten a judgement just for his not showing up. I am given a list of several things to collect my money, i.e. file Fi. Fa. which places lien against losing party and any property they own, 2) file garnishment against his paycheck, 3) file garnishment on his bank acct, 4) levy against real and person property (this I would have to contact lawyer for) and lastly turn judgement over to attorney or collection agency for collection. Please, anyone have any ideas on what steps I should take? I would like to not have to spend a lot of money if possible. Thanks
I probably could have spent my time, money, everything
on me because I gave them so much and now it came down to money. One is a me type person and the other, if all they care about is the $$$ and would talk nasty to me, I can wipe my hands of anyone and I mean that, who does not respect me after all I did for them. Most of the posts you read here are mothers who have younger children and most are ok when babies, toddlers but the real life comes as they get up and supposedly have some sense. I did my job and thought I did a good job. Now time for me, me, me.
No way would that save me money --
we'd end up divorced and that's more expensive than a haircut!! LOL!!!
let me save you some money
You are so smart and brave, and it is just amazing that at this point in your life you would strike out on your own with two children. You are amazing. You are right though about the boy. It is going to take every ounce of strength you have to keep him in line......so he doesn't turn out like his dad.......
Suggestion - save your money (sm)
Unless you need the Tylenol for pain, the only other ingredient in TPM is diphenhydramine for the sleep part. You can either use Benadryl or the generic - costs a lot less, same ingredient.
Been tempted to just to save the money- sm
but I use it to unwind at night before I go to bed. I just limit their TV time, hour in the morning, then 1-2 hours at night after dinner, off during the day. I do plan on giving them spelling lists over the summer as for some freaky reason my one daughter (5th) grade really did no spelling this year, about 2 months and that was a joke, they would give them 3 written words on a test and have them pick the one which was spelled right. Luckily she is an excellent speller and it really has not effected her but going to reinforce her skills over the summer. She loves to write so have suggested to her that she started making a collection of short stories, she started a couple days ago on her first one. Basically just going to have them play outside as much as possible and limit the TV, computer and video game time...that way they don't become slugs and get fat. Just need to figure out how I am going to deal with work as I have more now than I did last year, guess it is time to get up early though I like to sleep in in the summer, the price we pay to stay home!
My DH spent his check and we have no money for food this week. :(
the jerk
I'd tell him to save HIS money for a divorce lawyer sm
He seems kind of rude to me. No way my hubby would dictate to me like that. He knows I would show him the door
I use rechargable batteries and save a lot of money.
x
Anyone know other ways of making at-home money sm
I have been transcribing for over 12 years - and I do like the profession and I am grateful that it has allowed me to stay home with my children. But I am getting sort of burned out....and want to do something different for a while at home. Have been looking at all sorts of online sites that advertise working from home but I don't know which are legit. I know this is an MT site but does anyone do anything other than MTing that has been successful? I am thinking of maybe doing MTing part-time to stay up-to-date with it, and doing something else part-time, or maybe just taking a break from MTing for a while altogether. Any ideas would be appreciated.
Save your money - just buy generic Benadryl (same ingredient) unless you have pain.
nm
Save the Cheerleader...Save the World...
l
How much money rasied for Katrina, how much money for the diasters due to the tidal waves and what?
Every single one of them have had some smoke around it with the money not getting to where it was supposed to go. I did not contribute, I hardly watched, was not caught up again as I have seen things like this before. They should give a all you can give benefit for Darfur where people are being massacared each and every day. Genocide going on there each and every day. I have not seen any benefits to help them out yet.
Thank you all so much. I spent about 6
hours last night researching this man and his family via Google and MySpace. I am horrified at what I found - its a troubled family for sure, but they look great on the outside - no what I mean? The house is perfect - the guy is OCD about working in the lawn, etc. Always the appropriate holiday decoration - yet underneath the exterior they are monsters. I found the teenage daughter's MySpace and read thru postings all over, on other friends' boards, etc., and this kid has threatened to do physical harm to many kids - she alludes to bombings, and her screen name has her name followed by Kills. She has lots of posts about bomb threats at her school and sounds bragging about it. Her town name she chose has comments on bombing. Wonder where the kids are getting it from? This is way sicker than I ever imagined. I am mounting my evidence, documenting all this stuff, and just praying that nothing happens to me or my family. I would love to move - just isn't a possibility right now. I am going to research the nursing tonight, but sure got side tracked on the MySpace stuff. The mother/wife even has her own sick site. Its unreal. And its unreal how easy it is to find people on that place. Oh well. Will keep you all posted.
I spent over $64.00 on
green queen sized olives yesterday, eat them like candy.
that is really sad - spent my honeymoon on
Padre Island - guess the beaches went the way of my marriage - down the tubes!
I was out before 8:30 and spent about an hour
shopping- I do not like to shop at all and mostly this morning bought things for me, like some flannel PJs and some sweaters at the outlet store. The crowd not bad at all- only 1 ahead of me in the checkout. I shop over the net quite a bit but had received flyer and things I wanted I got.
Some time spent with them would be
a gift only you could give.
Last month I spent $321 for 3 of us.
It's just DH, 18 year-old son, and I. We live in the Philadelphia area. We generally eat far less meat than most American families, but we aren't vegetarian. My son commutes to a nearby university and works there, as well. He provides his own lunches, and probably only eats breakfast at home half of the time.
Now, if you want to factor in what we pay for the meal plan for our son who lives away at college, well then... that's a whole other story! KA-CHING!
I have a MIL who was jealous of any time I spent - sm
with my family. It caused a lot of hurt feelings on her side, and just made me angry for the most part. You don't sound anything like my MIL though but it sounds like you did not push the issue and fight for the right to see your grandchildren. In my situation, I married 1 of 2 sons. The other has never married or had any children. We have the only grandchildren for my MIL. She was manic that we have kids though she was vastly disappointed when we had girls and has remarked on this several times in the past. It is true we trusted my mom over her in terms of childcare, etc. though my mom rarely watched the kids as she lived 4 hours away. I did visit my mom at least 4-6 x a year, but I would drop in and visit my MIL and my FIL almost every time as I literally drove right by their house on the way up to my parents. My DH rarely calls his parents, I usually call his mom once a week and chat for a while. She used to never call but lately has taken to calling every 2 weeks or so. We also used to see his parents at least once a month for at least 5 years (now it is every 6-8 weeks), day visits, while my parents only saw the kids 4-6 x a year, though I would stay anywhere from 2-5 nights when I visited. This where the jealously came into play. I was/am very close to my parents and my brothers, much like your DIL I suspect. But I was exceptionally close to my mom, when she died almost 3 years ago my world fell apart. But my MIL was always jealous of my relationship with my mom, it drove her nuts I think. My DH tried to explain to her how close were were but she just could not understand and it caused her (and me) many problems. I would catch such grief from his family when I told them I was going to see my parents/friends, it was as if they wished I did not have a family. Holidays were horrible though we did do an alternating schedule though she would argue with me about that. Things a lot different now as she now gets to be the only grandma, which I am sure she loves. My stepmother is actually better with the kids though and has a great time with them, though I will never be close to her either. My in-laws get just about all the holidays now since my mom is gone and my stepmom wants to be with her kids not her husbands, so I don't get so see my family much anymore, maybe 2 x a year. Much more complicated these days, though we still don't let them (my in-laws) have the kids as they lack in common sense bigtime when it comes to what is safe and smart for my kids. I am not saying that is the case with you as I don't know your particulars of course. But it sounds like you just gave up. I would not try buying your son's love as it sounds like you did try. I know my in-laws tried though we were up front with them with one money gift they gave us that enabled us to pay off our truck in 1 year instead of 4, that it would not buy them weekends with the kids, etc. We told them that if there were strings we did not want the money. Money does not buy love as the Beatles said, very true. I would write back your granddaughter and say you would like to have a new beginning with her and the past is over and done with , and if she ever does want to know the real story, tell her. As for your son, have you even called him and invited him to your new home, it does not sound like it. Sounds like you expect a lot and are upset because they don't do the same for you as they do for the daughter's parents. The daughter controls the kids for the most part (as do most women) so it is to be expected that her family gets their "favor" more. You need to step up and be assertive. My in-laws do do most of the visitings here (we have actually never invited them here, they just call us and say that they are coming down on such and such a day, kind of aggravating), we rarely go up there as my DH just hates going there and really does not like his parents due to a bad upbringing. They really did a number on him. Does your son have any anamosity towards you? Did something bad happen in the past? You are long overdue for a long talk with him though. But I work hard to keep the lines open with them as much as I don't like doing it, I do it. My kids love them and I would never deprive them of that. I hope you take the first step and write to your granddaughter again, and call you son. You have absolutely nothing to lose at this point. Good luck.
how I spent my Monday morning...sm
Just wanted to say how much I missed this community while I was away...take a look at the picture I've linked...that's my neighborhood during our mandatory evacuation from the Marek Fire in California... Didn't know if I should post this here or on the mental health or prayer request boards LOL! Grateful to have my home...and my home office...next time you dread Monday morning...keep this as a reminder to renew your perspective! javascript:editor_insertHTML('text','');
We paid cash, spent about
$1000 total for grandkids and gifts for each other. We are debt free except our house. There is nothing like being able to sleep well at night and not be afraid to answer the phone should it ring. We have lived this way for many years, have learned to save money, pay cash for what we want. This has been to our benefit as we haven't had our CC companies drop our limits or increase our percentage rates at all; in fact, our limits keep rising even though we only use them once or twice a year. The thought of having to pay for something many months and years later is baffling to me.
Any to think they can save us also-
There was a rescue dog who had the boy scout's scent and sniffed him out today. That dog is really in his prime now, smiling for all the cameras. So happy - see how they can turn out to be out bestest friends!!
It actually does save me a lot - sm
I make enough to almost fill two five gallon buckets and those two buckets will last me about 6 months.
House full of teens, one of them who is very sensitive to a lot of perfumes in different detergents.
My own home made laundry soap seems to get the clothes a lot cleaner too.
It took awhile to get used to not seeing the soapy suds as you do with other laundry soap tho.
how do you save
I know that it sounds like a stupid question, duh, don't spend it. But how do you get over feeling sorry for yourself when you have plenty of money, but you tell yourself no, or you dole small treats out to yourself, but it make you feel worse because you did not stick to your goal? I am chasing my tail!
Just spent an entire week in FL with brother sm
and his whole family - wife - 3 kids. To make a long story short, my sister in law does not like me. I'm about 7 years younger than she is. She is very jealous of my close relationship with my bro. Always. This trip she made it very clear how much she does not like me at all. I cried a lot this trip. My feelings have been so badly hurt. I've never done anything to her personally - she just hates me. My brother was very standoffish this trip and I know why. He has a very jealous wife. They would just get up and leave and not tell us where they were going or invite us. They NEVER used to do things like that. The whole time, if ever I had a suggestion for dinner or entertainment she would shoot it down with, "I don't want to do that!" I'm talking everything I came up with. What's even sadder is that they have 2 girls - my nieces - 13 and 15 - who used to love and adore me - their aunt - and this trip they were so ugly to me. I haven't seen them in over a year. We stayed in a 2 BR condo on the beach. Pretty small unit. They got the master BR. While walking to my room one evening the 3 of them (sister in law and 2 girls) were just berating me in gossip - talking about what I wore to the beach, the way I styled my hair, just stup*d things. Just gossiping so bad about me. I wanted to cry.
After I heard that about mid-way through the trip, I completely shut down emotionally. I only spoke when spoken to, didn't suggest anything at all to do, and was cordial, but not overly friendly like I usually am. Today when we left, she walked right by me in the hall and didn't say a word. Got into the car and they drove off. I had already said by to the kids and my bro. I cried when hugging my bro. He had his sunglasses on - he probably wanted to cry to. We lost our dad growing up and our mom pretty much abandoned us. We've stuck together until he moved out of state and started his family. I did too. He gets along GREAT with my husband and my kids.
What compels women to act like this? I don't understand it. Why would you want to live in your own prison of hate and bring everyone around you down? I can't stop crying! My brother lives about 2,000 miles away. I want to be close to him and his wife and kids. She won't allow it.
I know I have to just accept this is life and the way it will be. I am having a pity party. Can I say this eloquently without you taking offense? I am hating women right now. No matter how kind and nice I am, I always get slapped in the face. Always. I am a very kind and nice person. My mom always said I had wishbone but no backbone. I guess I just expect others to be kind, too, and when they aren't, I get hurt and I don't understand it.
Perhaps if mother Spears spent more time
parenting and less time pimping her kids all over Hollywood, this might not have happened.
spent NYE playing Rock Band for PS2
a lot of fun though discovered I'm never going to be a drummer (or a singer) :) So I guess I won't quit my day job.
But her money is her money to spend as she pleases -
I don't understand how you can think it is wrong for her to spend whatever she wants to on whatever she buys. It is their personal money they spend. It is not like they are saying give me those shoes and add it to the taxpayer's bill.
And in all actuality, they are saying spend, spend, spend to get the economy going.
I am sorry, I am jealous that some people still have plenty of money to spend and I don't, but I don't expect those people to quit spending just because I had to.
another great way to save
The extra money towards the principal is a great thing to do, especially when planning on being in the same home for a long time. Some companies also offer a program where payments are made bi-monthly, with the first one being made two weeks ahead of the due date, which also winds up with a lot of interest savings over time.
My best way to save -- my mom and I share
the "club card" for our local grocery store (we only have 1 in our little town). We accumulate the points together and usually qualify for the higher percentage off when it's time to cash in (20% off 1 bill rather than 5%). Then we pick a day we can go together and ring our order up together. Of course we use our coupons, too. We just went 2 weeks ago and qualified for 15% off our total bill. Before coupons/discounts, our total grocery bill was $550 but after our discounts, it was only $283. We saved almost $200 ---- unbelievable but true.
Before dining out, I check the website of the restaurant we're going to for coupons. They usually offer a free appetizer and that helps to fill us up so we can order smaller meals. We have 3 kids and my 2 younger kids share a kids' meal since they can never eat a whole one themselves. I also like to order water -- that always cuts about $5 off the bill.
Remember -- if you donate clothes to Good Will/Salvation Army, it's a deductible dontation, so keep track.
PS: It might save her life, too.
I once had a landlord who, when his son was in high school, bought the son the kind of car he wished HE'D had as a teen - a fast, racy, brand-new muscle-car. Then one day, with a bunch of friends in the car, he was showing off, going too fast in it (as people in muscle cars have a tendency to want to do), and wrapped it around a telephone pole.
Incredibly, all survived with only minor to moderate injuries. The car was totalled, as was the telephone pole.
Not only did the kid learn his lesson, the dad did, too. No more car. If the son wanted one, he had to get a job and buy his own. The kid spent the rest of his high-school career car-less. He bought a used bike, and rode it a lot. But they lived up in the hills where there were big fancy houses, but no bus service, so he had to rely on friends all the time. If he went on a date, he had to take the bus or go with friends.
When he finally had the money for a car (roughly his 2nd semester in junior college), the one he bought was old and beat up, but he treated it like it was an expensive new car, and from what I hear, hasn't had so much as a parking ticket since.
wrong...he spent 4 years in korean schools
Do you mean the actual hours of school. or also time spent
ol
Spent 2 hours with my kids playing that today - fun! nm
x
If father thought child support was not being spent
x
Maybe Jacob will save Locke.
n/m
Mighty Mouse - Here I come to Save the Day!!
SAVE ON HEATING BILL!
A friend told me about these and my husband brought an article home today. They are Heat Surge Fireless Flame miracle heaters produced by the Amish. I will try to attach the link to the web site so you can check them out....don't panic at the price! You can order the mantle right now for $298 and get a FREE heater (normally around $600 together) The mantle (which goes around the heater) is solid wood. Right now you can order 2 per household. Click on the link that says "do not have claim code" to see where in the country you are and get the phone#. You only have 48 hours to order, and mine started yesterday.
I sure hope he wanted me to order one, cuz I did!! We already have a wood stove but this will help me not have to get up to put wood in it all night long to keep it going since I have not turned on my house heater in 3 years and refuse to!!!!
Getting there early and staying late, time spent on phoning
il
This is a great idea - save your hearing
for work. (The electric ones are much quieter).
Since you have a slope, it matters whether it's rear-wheel drive or front-wheel drive. One of them will give you trouble, but I can't remember which. Salesman told DH.
Oh, Lord, save me from your Christian followers.
x
I think she is hoping to help save his political career so (sm)
she tries to appear supportive - for future money for herself probably. To keep him from going completely down the tubes so he can support his children. Won't work in this case I'm sure though. But it also could be that they feel sorry for the guy...I mean not only does he have to deal with his betrayed wife, he has to face the entire country and lose his career. He's probably near suicidal. I would probably have to feel sorry for my husband if he were in those circumstances, just a a basic human compassion.
This is the smart way to save - it is called "paying yourself first" and sm
is endorsed by Suzy Orman, Dave Ramsey and other financial planners. If you save it b/f you see it, you're much more likely to leave it alone.
Personally I've been debt-free (including my home) for 7 years and have never felt better. I don't understand people who have the urge to buy things they do not need (like the poster who said they had jackets coming from QVC today - why?).
don't know how many ways....
But I just did a consult on a patient that was suspected of having endocarditis and he was not an IV drug user. He had repeated infections with streptococcus viridans and poor oral hygiene. His oral hygiene was stated as a risk factor for endocarditis.
I am sure there are other causes as well.
Yes, you can get it other ways - sm
I have mitral valve prolapse and have to take antibiotics before any dental work or surgery, etc. to prevent endocarditis. However, IV drug abuse is the most common cause, but not the only cause.
Hope this answers your question.
I see it two ways.
I work days and my DH works nights. He sleeps during the day and I can't get in the room during the day. I have to keep my clothes, personal hygiene supplies, etc., in the linen closet so I have access to them. Also we have blankets over the windows blocking out ALL light. I would like an alternative to having the blankets on the windows for one thing.
Secondly I would almost like the second bedroom because I could go to bed when I want. Sometimes I stay up late because he gets up an hour or so after I want to go to bed.
Otherwise I wouldn't want a suite with two beds or two bedrooms.
A few ways to get around this - sm
You can make your appt the first of the day, that helps but no guarantees of course if the doctor makes rounds or if he has a long traffic filled commute, or the first appt after lunch. I find the latter is the best. I go to a dermatologist where the wait in the waiting room was 45-60 minutes; I got really sick of that and moved my appt to the first after lunch, wait time about 10 minutes. The other docs we see are very good, maybe 10-15 minutes, granted they have bad days too but not nearly as bad as those listed below 2-5 hours is just too crazy; I think anything over 30 minutes is out of hand unless there was an emergency. If I was kept waiting consistently at every appt I'd "fire" the doctor and write them a a letter saying why. --Also I would not have paid for the visit co-pay as you did, I would have just left telling them you had had it with waiting and left.
I know it's still a ways off but what do you do?
My husband informed me he will be gone Thanksgiving this year for deer hunting. It will just be my 7-year-old son and I. My parents live 4 hours a way and won't drive down for that holiday and his relatives all scatter to their various in-laws. Anyone else out there go through this? What do you do?
For those that don't go through this, I'd still love to hear what you do for Thanksgiving. I've always wanted a huge family especially for occasions like this!!
this goes both ways!....nm
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