Ways we save
Posted By: LinK on 2009-02-04
In Reply to: One thing I do is I have an auto money transfer - sm - XXX
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.
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Save your money, other ways better spent
NM
Save the Cheerleader...Save the World...
l
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.
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
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 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
nm
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.
That's all well and fine but it goes both ways
Then Christianity and even the mention of God should be kept out of all forms of government, local to federal.
I guess only Muslims can be terrorists. Was McVeigh Muslim? Stop generalizing.
Oh, and what is a mosk?
I'm sure if I was an American Muslim I would be welcome at a mosque.
I'm sure you'd welcome a Muslim with open arms into your congregation.... after he goes through the metal detector.
Okay, I'm done.
In many ways she has changed
Far from perfect but definitely better and being with Nick has definitely helped. Of course, she was just recently holding over Sharon and Brad's head their affair and could go to jail for it, so I guess that is the Phyllis you remember. I have only been watching the show for about 3 years.
There are other ways. Declawing is actually -
an AMPUTATION of the entire distal phalanx in the cat's toes; it isn't just the claw that is removed. It's one of a cat's most sensitive areas. Imagine having your finger and toe-tips amputated, and then having to walk around on them! Some cats go on to have problems afterward with their personalities, or stop using their litter-boxes because it's painful to dig. Even though an indoor cat is SUPPOSED to be indoors, unexpected things can happen: A door accidentally left ajar, a handyman forgets to close it as he dashes out to his truck for an extra tool, unknowing friends or visitors who forget to keep the door closed, or a kitty who is an escape-artist can lead to the cat getting outside. Or, in the midst of a catastrophe, such as a flood, fire, earthquake, etc., the cat could end up outside and on its own for anywhere from hours to months. Their claws are their first line of defense against attackers, and their ability to climb is often their only hope of escape.
What I do with my cat is TRIM all the claws regularly with a nail-clipper. Takes about 5 minutes, and is all she needs. Another, rather STYLISH option is using "Soft Paws". They are little plastic tips (and can come in a rainbow of colors!) that are glued to the tips of the cat's nails. They last until the outer part of the nail finally sheds. That would certainly be worth the time it took to apply.
I once adopted a rescue-kitty that had been declawed in all four feet.
Even though she was a gorgeous, purebred, show-quality chinchilla Persian, she had been in four different shelters, and kept getting returned after being adopted because of major litterbox issues. Former adopters had returned her time and again, and she had been scheduled for euthanasia when she was pulled from the shelter by a rescue organization. I adopted her, even though she was 10 yrs. old, because I knew that otherwise she'd probably spend the rest of her life in a crowded rescue setting.
Her poor little feet were so sensitive that she wouldn't let you touch them, and it took a while to get her using her litter box because didn't like to dig in the litter. Even playing was frustrating for her, as she could rarely successfully catch the toy she was chasing.
Also, depending on what state you live in, declawing may not be legal. I would suggest talking to your vet, or even a local rescue organization or other cat expert, about the different ways you could solve the problem without giving up your cats or mutilating their paws by declawing.
I feel so much for you right now. In some ways SM
our situations were the same. When you are in need of someone you are terribly vulnerable. That is how I was at the time, and this man has helped you learn about your brother, and that, too is hitting close to your heart. We tend to fall for those who rescue us, be kind to us in a hard time, etc. I know the psychologist I saw some years ago was lookin' pretty good to me, too! He was there for me, spoke kindly and told me I was worth so much. It is easy to fall, and I know that. I am afraid for you and I feel we are friends who share this. We are only human, and no one is blaming you. I just know how strong a thing this is, but believe me, and I promise this is the last thing I will post about this. . . It takes even more strength to deal with the hurt. Good luck to you, dear. Please value yourself above all else and do what is right for you.
They could research ways that
regular people could go "green." The list could show the most fuel-efficient cars, how to make and set up rain barrels and how to compost and use organic fertilizers. Then they could offer that article to all their parents' home owners associations to print in newsletters. Some churches might put it on their website or bulletin board. They could probably make and sell rain barrel setups, for that matter, and profits could be donated to charities. You know there is paint that works on plastic now, so they could use the cheapest barrels, which is likely those ugly blue plastic things, and paint them neutral colors that would blend in.
My name is one that can be pronounced two ways (sm)
My name is pronounced two different ways and can also be shortened into a nickname. People call me different things. When I go around my old family members I know what they are going to call me. He has every right to be called whatever he wants on a daily basis, but when around family members who have known you by a certain name all your life, it is very unnatural to them to try to call you something else. It seems very fake and superficial. They love him as a person, it doesn't matter what they call him. He can get by temporarily being called something else. It is no big deal.
I need persausive ways to get my
son and husband into counseling for their anger issues....threatening doesn't work.. I will speak to them about it and they will be "good" for a while but then it comes back eventually. Any ideas would be greatly appreciated!!
ps my son is 28-YO and this is a learned trait unfortunately (tried the counseling route when he was 15, husband went to one session with him and refused to go back) pulling out my hair
well of course they have paid for it in other ways.
for the poor. That's a just society. I would gladly pay $6 a gallon for gas if my health care were free and my children were going to college for free. That would be a bargain!
there are MANY ways our government
and I believe there are many people angry about the money spent on this war.
They are both amazing in different ways (sm)
There's room in the world for both of them :-)
frugal ways
I cut my own hair and my children's. I switched to a Trac fone and got rid of cell bills. Food is a huge bill of mine so I try to make every meal stretch further (leftover meals etc). No more fast food or grabbing coffee out. I take out library books instead of buying them. They even have movie rentals for the kids.
A couple of different ways to do it.
The lazy way is simply Fritos with Chili on top, but in the Lone Star, we wouldn't dare think of serving chili without fresh shopped onion and grated chedder on top, heated through really good so that when you stir it up, it melts the cheese. Other garnishes used can be lime juice on the fritos, chopped avocado and cilantro on top of the cheese. If the chili is on the spicy side, some folks put a generous dollop of sour cream on the chili before the onions and cheese.
An alternate method would be to layer Fritos, chili, onion, and cheese twice, ending up with generous cheese in a large casserole dish sprayed with cooking spray (or a 9 x 13 baking dish with one layer) and bake at 350 for 45 minutes to an hour. Let cool for about half an hour so it will set. when prepared this way, it sort of cuts in wedges.
The cole slaw is a good complement for this because it is creamy and helps take the edge off the spices in the chili.
If you imbibe, a tall, really cold longneck beer is an excellent side kick for this dish or dial it up a notch with a pitcher of frozen margaritas.
There are a few ways to disagree. You can
respectfully diagree, and you can be nasty and bash. The latter would be the troll.
boss of the ways
Here's one: When my son was 4 we were on vacation, lost, and I kept telling my husband, Go this way, go that way, etc. My son got frustrated with driving around for so long aimlessly had some ideas of his own, and yelled, "Hey, I am the boss of the ways!" He is 19 now and we still use the phrase.
That can work both ways
I quit seeing my grandkids because of my son, their father. They were about to graduate high school. I recently saw the youngest, g'daughter at a place where she was working and tried to explain, no I did not give them up but would not come around my son, too toxic. I gave her my new number and said the road goes both ways. She and her brother both driving. Told her to give me a call. That was about 3 months ago. They live about 15 minutes from here. Did I expect a call, not really. I wish them well.
Save your money - just buy generic Benadryl (same ingredient) unless you have pain.
nm
thyroid manifests in many ways
Thirty years ago, a friend's daughter, 15, was thought to be manic-depressive, having breakdown. She was diagnosed with Graves' and medication made immediate difference. Today she's a happy grandma and still doing well.
you did right, and her bratty immature ways will
nm
One of the best ways I've found to
avoid holiday stress -- a Christmas Club. The first year, we just did a $500 one - that's $10 a week. Then after that, we decided to go with a $1000 one - just $20 a week. I know it sounds like a lot, but think about how many times you pick up a $5 lunch at McD's or buy something in the grocery store you really don't need. If you pay it out of your check first (or direct deposit right into the club account), you don't even miss it.
Another way to avoid stress (I have 3 kids, so I do get stressed) for me is to have each of my kids write their lists early, usually early November, after they've had a chance to study the JCP Christmas catalog. Then I get on line starting in November to check for the early Black Friday ads. The more stuff I can cross off on Black Friday, the better for all. I have gotten great deals on Black Friday. Yes, it's sometimes stressful to get up and get those deals, but it can be done.
Lastly, I try to emphasize to my kids that it's the spirit of Christmas that's important, creating traditions to pass down. Kids appreciate that more than anything under the tree.
Wrong ways in life.
Why are you "waiting" on someone to marry you. First of all, the guy you have been with for 10 years is not marriage material. He has told you that and you are really wasting your time. The sentence "so and so could take care of me" is sad. Why don't you take care of yourself? Do not WAIT on a person to do what you should. You have 2 feet, stand on them. You need a job, to work and be self sufficient. The days of old are gone when most women stayed home and the men "took care of them." You are wasting your life staying where you are and one day you wake up past your prime and wonder what happened.
Plus there are ways of making that extra day
There may be temp work to be had for 1 day a week (a good way to explore other jobs). Or devote one day a week to starting a small business of your own, such as on eBay, or crafts, or doing odd jobs in the neighborhood.
Another way is to spend the day working on the house. Things there weren't time for with a 5-day workweek, like finishing that deck or BBQ pit in the back yard, or replacing a leaky toilet or faucet, painting, weatherstripping, insulating etc. There are lots of things that can: add value to the house, improve heating/cooling efficiency, etc.
Or, maybe one day a week take a class at the local junior college, trade school, etc. It could pay off in just doing something fun or interesting, or in working towards an unfinished degree, or in learning a new trade altogether.
I do both ways, wash by hand and also
clean out food particles and wash in the dishwasher. I have no reservations about doing that. The only thing I don't like are family plates set on floor and animals eating out of those and reusing. Yuck.
Spiritual in other ways aside from God. Don't attend church.
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