This is the smart way to save - it is called "paying yourself first" and sm
Posted By: ChiaPet on 2009-02-04
In Reply to: We have an allotment that comes... - Kendra
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?).
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Save the Cheerleader...Save the World...
l
Vet called before and after surgery, and assistant called this
this afternoon. I cant wait to see her. She has only been gone for 1 day and as one lady stated, the house is empty. Working from home, I have become quite attached to her and her to me. Thanks for all the well wishes and Boo Boo Kitty thanks you too !!
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!
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.
No way would that save me money --
we'd end up divorced and that's more expensive than a haircut!! LOL!!!
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.
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.
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.......
Maybe Jacob will save Locke.
n/m
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.
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!!!!
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!
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'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
Save your money, other ways better spent
NM
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.
I use rechargable batteries and save a lot of money.
x
This makes me want to have more babies and save their stem cells. sm
But, I'm confused. Is America not doing any stem cell transplants? Is that why she had to go to China? I wonder how credible this story really is. I have family in the Joplin area. I hate to be a skeptic, but I really wonder if this is true.
Save your money - just buy generic Benadryl (same ingredient) unless you have pain.
nm
you were smart to do that.
I am so glad I posted. Even though I declined on that rat hole, I need all this for future referance.
Thanks. You guys are great.
You are smart
Although so many posters are telling this is normal, I was disturbed by your original post because you seemed alarmed at his tone of voice. Of course kids say hateful things to each other all the time, but the fact that a 10yo would say this to his mother, not in the heat of anger directed his sister, tolls the alarm bell.
It is normal for siblings to fight, but there is also plenty of abuse within families which would never be tolerated if a stranger were to do. I've seen people whose children have thrown scissors, at each, stuck forks in a sibling's tongue, broken bones on purpose, and they parents have actually tolerated this.
You sound a great mom. You recognize his perfectionism which he needs to learn to recognize and deal with as soon as possible. The very best to you and your family.
My kids are smart. sm
Haysees I have always liked reading your posts, but don't critisize my children that you know nothing about. My husband and I are very active in our children's lives and that is how I know they have some pretty wonderful teachers.
What smart oddballs you have.
They sound really fun. I might still have a cat if she'd have used the toilet ... instead of my bed!
Grr.
She is one smart cookie
You can't fool her! I'm glad she's eating. That is always a good sign. Hope you both have a good day.
I wasn't trying to be smart, I was
actually confused.
Smart girl
You are right on track. Right now don't worry about divorce or not. Take advantage of NOW while you can and get to school. Medical transcription has no where to go now. There is no bright future for it where you can "advance your career." I too am in a marriage I would leave if I could, but I want to be smart about it and get that education first.
smart comments
Me, too. Makes me want to jump in and blast them back! No reason for it.
Smart mouths
Chances are the parents have smart mouths as well, or they have no backbones.
I would have sent the kid home last night when he condescended to you at the end of the first argument. If he is almost 11 and hasn't learned to respect other people's rules, he probably will never learn this lesson. Attitudes are pretty well set by that age and if he gets away with that kind of behavior at home, he's going to have a tough row to hoe in the real world.
Congrats to you! I would not have that kid in my house again if I were you and I would your son and that boy know the reason why.
I think he is smart by admitting it now.
*
How is saying think MTs are smart being uppity? I
x
Some women are too smart
They're brainwashed, and may never wise up. Nowhere in the Bible does it condone this type of lifestyle. Some lecherous man declared himself a prophet and wrote his own book - and that's what they base their religion on, not the Bible.
smart type
I had someone tell me that Stedman's smart type was the way to go as far as spell checker and speed typing program. what do you use? and have you used it?
I said she was smart, but after her interviews
thought everyone would know the truth. That statement of her being smart on my end was said tongue in cheek.
you are one smart lady and sm
willbe rewarded. Now you can use that money for the decorating and yes that is the fun part!
That was a smart call. NM
x
Please read "The Gift of Fear" by Gavin DeBecker. It can save your life. NM
x
Sounds like a smart decision.
I'd so the same if I were you. I will pray for optimal outcome for you.
Regarding hormones, remember that the recommendation is now now against hormones after some huge studies. Use has decreased a lot, and for the second year in a row, cancer rates have dropped substantially. But I don't know anything about risks of short-term use, and maybe that's what you are considering.
Very smart. We should all follow, but for some reason, it's almost sm
entertainment for some. Isn't that sad?? We find "entertainment" in someone else's grief and sorrow. What else do you call it? I hardly ever watch t.v. In fact, I didn't find out about the shootings until 3:30 when I read that 30+ people were dead! I was shocked!
The media wouldn't give it to us if we didn't show intense interest in it. It seems the more drama it is, the higher the ratings. So, so sad.
Like I said, I read about the accounts on-line at People.com where they never have any news on there - just celebrity gossip. I know, it's not much better, but it's hardly ever death, shootings, earthquakes, terrorism, kidnapping, and the like. I can't handle that kind of stuff.
The smart I was referring to was in regard to
nm
Smart mouthed kids (sm)
Son has a friend who slept over last night (they are both almost 11)....he keeps arguing with me. I consider myself a very lenient parent, but my kids know not to speak disrespectfully to me and they know our household rules and generally go by them. Last night he was trying to explain his point of view to me and then said, "you follow me? Didn't think so..." and turned his head as if to say he was finished....I informed him that I was the adult here and he was not to speak to me that way. This morning he again was arguing with me about one of my rules about an XBox game. I said, "that is the rule, I am not going to argue with you about it." And he said, "Don't then." This time I very firmly said, "You do not speak to me that way or I will be calling your parents." He said, "sorry" and has not done it since. But who are the parents who let their children talk to them this way? I work hard to give my children a good life - I put thought and effort into their daily schedules and having friends over, etc. I will not be talked to like that. You shouldn't either!
I would have sent his smart mouth home
when he did it again after the first warning.
I have four kids in my house that I have to deal with every day. If one of them even thought they could get away with that because their friend did..... I would be in BIG trouble!
Maybe a little chat with his parents is in order. Just let them know that you will not tolerate backtalk from your kids and certainly not from their friends. So if it happens again, you will be bringing him home immediately, day or night.
If you have to do that once, it will definitely get the message across to the smart mouth and I bet he would be very careful not to do it again.
Sorry, I thought MTs were smart enough to figure it
x
thanks for the advise, you say some very smart things - sm
though I am really not sure about the in person thing. I am serious about trying not to be killed in this, he has threatened to kill me before over some really stupid stuff (and we have a lot of guns in this house), and as this is a major thing, and he has been through this with me before....just before we married I was $12K in the hole. I paid it all off though within weeks of the wedding and we were debt-free for about 7 years (except for mortgage). He has told me before if he ever kills me, he will kill himself too....not that this is any solace to me as I really want to live. Generally he is full of hot air, but you never know what will send a person over the edge and I think this debt may be what does it for him. There are a number of extenuating circumstances that caused the debt, it was not me alone of course. He likes to spend as he pleases and I do try to stop him as much as I can but sometimes it is not possible (unless I drop the bomb of course), family illnesses, we did private school for a while too which did not help, and just got a new used car....which we owe his parent $10K for which I am paying them $500 a month for as well which is really putting a crimp on things...but he insisted we had to get rid of my reliable truck for better gas mileage....the new car has needed $800 in repairs so far in 4 months which is just wonderful. When I do drop the bomb, probably in the next month or so, I may try to farm the kids out to friends houses then give him a letter with all the dirty details and the possible solutions. I think having it all down in writing will help some. I know there will be tears on both sides, and my stress level will plummet once it is off my chest. I notice my skin problems act up when we are short on cash, then clear when we get a paycheck. I am sure my BP is jumping about and I cannot lose weight no matter how hard I try too, though I think that is a mechanism to keep him away from me as much as possible. Needless to say it is a total mess.
Teenagers - so smart, yet so dumb
A Middletown teenager is expected to be in court this week for allegedly ordering more than $37,000 of candy online to be charged to Middletown High School.
Jad Holmes, 18, is scheduled to be in Middletown Municipal Court on Wednesday, Feb. 11, for two counts of telecommunications fraud, both fifth-degree felonies, according to court records.
Holmes is accused of placing two orders — for $19,880 and $17,372, respectively — through a Michigan-based company, according to police records.
The order was to be shipped to his address and billed to Middletown High School, records show.
After taking possession of one order, he was arrested by Middletown police, according to records.
Holmes also is charged with two counts of theft of drugs, both fourth-degree felonies, according to court records.
He's being held in Middletown City Jail on a bond of $30,700, according to jail records.
Although strange, she is smart and knows how to work
nm
It's a smart thing to be prepared
Pantry is semi full. Could be better stocked, but we've got enough to keep us fed if something happened and we couldn't get to store for a awhile. We've been reading many sites that say people need to be more ready than they are. You never know when an emergency could happen and growing up in an area where we would snow storms lasting for days we were always prepared. Even today you never know when your going to get stuck.
Seeds are very important. If you don't plan and a crisis happens you cannot wait until then as that is what everyone else will be doing. I've read you should have at least 5 or more years of seeds on hand.
I am most definitely ready for a life without credit cards, shopping, etc. I can't even tell you the last time I went to a mall or shopping (except maybe some socks last year). I've got everything I need (clothes and stuff) and with the times the way they are I absolutely hate spending money on anything unless absolutely needed.
Spam - grew up on the stuff and loved it. Now I know what its made of and I would never eat it unless it was desperate times. My dad told me that in other countries it's a delicacy. I said to him yea, right up there with Moxie.
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