Well, I have not changed my spending habits.
Posted By: Amanda on 2009-05-02
In Reply to: The Obamas spend too much.... SO MAD - TAB
I changed my spending habits based on my own personal situation, not the fact that my neighbor has lost his job and now can't spend like that anymore.
One of our problems is that the people with all the money do not spend in proportion to their income as us poorer folks do. They save it and save it and grow more money from it and their money is not being put back into the economy.
I for one have no problem with a millionaire spending $500 for a pair of shoes or whatever else they want to spend their money on.
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Not broke but have changed spending habits.
I did reel in some spending a bit and changed a few things in the budget.
Have no intention of going broke.
Don't smoke either. LOL Couldn't afford to with the new taxes on those things!
What bad habits do you have?
I often lock my purse in my car when I get out. Not in a shopping center or the grocery store or anwhere like that. But if I'm going to the library or visiting a friend, I'll leave my purse in the car rather than bring it in with me.
I generally put my seat belt on while I'm pulling out of the driveway, and I take it off as I'm pulling into a parking space. At home, I usually take it off several houses away from my own. I do not let my kids get away with that, however. They have to have their belts fastened before I move the car.
...Need better habits mysefl! NM
s
Eating habits
Out of curiousity, what are your eating habits? I usually eat every 2 hours or so during the day. I have a protein shake at 7:30 and then ham and eggs at 9:30. It's possible you had sugar with your breakfast in coffee or tea and it's worn off or the food you ate gave you a boost but has worn off. Try having a snack at that time and see if it helps.
Yes!! I will not change my eating habits
either. I'm not where I want to be, but I"m getting there. I walk 5 to 7 days a week. Too cold right now (I'm in MN), but I love to walk outside by myself in the evening. So relaxing. Anyway....I started to see some very small weight loss when I started walking daily..maybe 1/2 pound a week. When I hit the 30-day mark it was like POW! My metabolism must've kicked in because I started losing 2 to 3 pounds. Everyone's is different though...
PS--if you're jogging you'll see more results than me, as I really just walk (not even too fast:)
Agree with must change eating habits sm
If you are an emotional eater, or a grazer, it will be more difficult for you. I had the surgery, lost 100 pounds, regained 80 of it. I am a grazer who works at home, which makes it more difficult. I also lost a couple of family members to cancer, and I am an emotional eater. I know a lot of people who have had excellent, long-terms results, but also many who have not lost as much as they had hoped, or gained a lot of it back. I would still do it again, because I would probably be a lot bigger if I hadn't, and the fact that eating too much, too fast, or too much sugar makes me sick has at least helped me to not be as big as I would've been without the surgery.
Unless you can change your eating habits, the weight will not stay off.
I have regained almost all of the 100 pounds I lost. I know many others who have also. Grazing is the #1 reason for regain. You can eat more by grazing than most people can who "pig out."
Unfortunately, if you don't change your eating habits, you will just maintain your current weight
To see real results, you are going to need to change your diet. You need protein, fiber, and good carbohydrates for energy. What you need to stay away from are the saturated fats, trans fats, and high-calorie/high-fat foods. Always be sure to eat a full breakfast since that will boost your metabolism and keep you from overeating the rest of the day. Also be sure to stop eating at least 2-3 hours before bedtime. Once you have been exercising for a while, your body will get used to it, and you will need to pick up the pace and start doing more than just treadmill workouts and giving your body more challenges. Hope this helps.
We have been spending less than 100
And we are starving. DH took over going to the grocery store from me (He thought I spent too much when I would spend about 150 a week.) It has been months since we do not have a bare cupboard. I am not complaining. I understand we are broke and he needs to pay the creditors. But the one person who has pretty much stopped eating is me. I am home all day and there is never bread to make a sandwich and I often pass up supper because I am tired of eating junky stuff like mac and cheese or spaghetti with meat sauce. He and our 11 year old son, on the other hand eat thirds of whatever meal it is. I get kind of annoyed. Our littlest boy and middle girl eat very little. All 3 take their lunch to school. I say to DH either stop eating so much (for him and the older boy) or buy more. He flips his eyes at me. We even stopped getting microwave popcorn which used to fill them up. So, now I am hoping to work extra to go to the grocery store myself and put an extra 100 a week in myself, but I keep running out of work.
You see, this all started when we started running out of work in transcription about a year ago this fall, and my DH took over the bills. Apparently food was the first to be cut. And, BTW I don't ever go anywhere because there is no gas in my car, and it has 2 flat tires. We live by the school and I borrow DH's car to take the kids but it is always on empty. We seem to make it every time. Oh, well. No need to complain. Just cutting back. The family is lucky I work at home, don't use gas, barely eat. But I do have to pay 10 bucks a month for nerve pills, because it is hard doing without. Like I said, when work picks up transcribing first place I am going after I get gas for the car is to the food store. Eventually I can repair my flat tires.
For those of you spending $1000+
What sorts of things are you buying? I don't think I spend nearly that amount, but my children and family still receive what they want, even my teenager. I can't imagine spending so much money at one time on gifts, so I'm curious what it is that's costing y'all so much. :)
Let him - for the money you/he is spending in gas sm
you can probably get one of those weekly hotels and at least break even. he needs to tell them up front what he is doing and get a good discount, most will give them if long-term situations. he will get a lot more rest and be a much happier person and easier to live with in the long run. driving wears me out more than anything and i feel for him with that commute! maybe he could even get his job to split the cost with him.
Lunch spending
My husband usually brings leftovers for lunch. I give my daughter $20 for lunch at school (to put in her lunch account), and that usually lasts a week. My other daughter is home by lunchtime and she eats what we have here at home. We spend about $100 a week on groceries. On the weekends we usually go out at least once, maybe twice for lunch and spend anywhere from $15-$25 depending on where we go. My oldest is a vegetarian so we actually save money because if we get takeout, she usually doesn't find anything that she wants to eat. When I was working outside the home I spent way to much on lunch every day, usually about $50 a week.
How is it your money she is spending?
President Obama and his wife have their own incomes from royalties, etc., from his book deals, investments of their previous earnings, and also he receives a paycheck for being President just as you do for being an MT.
I don't think that eTransPlus thinks they can tell me what to buy with my paycheck because they send it to me. Once I accepted a job and do my job, it is none of their business what my check is spent on.
Yeah, my bro. said what you said - not spending a lot of time in sm
condo except to sleep, etc. Both places have nice kitchens, though. I don't know. I usually spend the most time in the condo. We will be there 8 days. Thanks for your input..Still torn though! haha
If you can't reconcile your views on $, spending sm
and happiness (i.e, that both of you deserve to be heard and to be happy), you are rapidly heading for divorce court. Go read some Suze Orman financial advice for women, for a start, and then get some counseling. He is obviously irresponsible with money and you are not. How old are you two, out of curiosity?
How I am spending my money, ah, vacation
I am getting the FULL retirement because reached the 66 year mark. I had to wait an extra year, used to be 65 but with my year of birth had to wait until 66. No slowing down on the MTing, plan to work the same 4 days as doing now. I sure am planning on doing something special, well first 2 checks and then some because of the cost, escorted travel club, planning on paying towards 3 different vacations, one of them being the Rockies and Canada for 9 days. Excited broad here.
How much time do you plan on spending in condo?
If it is just a place to sleep and shower while you do the tourist thing, I would go with the cheaper place. But if your plan is to spend time with family talking, hanging out, I would go to condo and relax on beach. The men can go golf while you relax on beach even. If there is a kitchen in the condo and not in the other place, you will save money on food, and it is always fun to hang in a kitchen, cook together, have a few drinks and a few laughs.
Didn't plan it, but seems I am spending mine with a SM
terrible head cold. UGH! 
I feel your pain too, but not spending my money is not going to help you - nm
x
Spending time with parents, absolutely
Mother and daddy divorced but my brother and I spent summer vacations, Christmas, visited daddy, traveled with him and his wife. Tried keeping my children and now my grandchildren close with my mother and daddy (their grandparents and great-grandparents). My son spent summers with both grandparents when he was young but as he aged, they did not seem to be that important in his life. I always, always visited my parents, my grandmother (only one I ever knew out of the 4, others deceased), my aunts, and on and on. I was never asked to stay close, that was just me and I loved it.
Cutting back on Christmas spending this year
I thought it might be a good idea to post ideas for gifts that are inexpensive. I have made a few Christmas gifts in years past, but, since I've already given these particular gifts and my family members already "have one", I need new ideas!
I will start with the ideas of gifts I have given in the past:
I made family wreaths for each of my kids (grown). What I did was, buy a nice size wreath at the craft store, purchase inexpensive small frames at the dollar store (or wherever I could find them), made copies of baby pictures of my kids when they were little, family picture, pics of the grandbabies, etc. and framed each one - wired each framed photo onto the wreath, put in some berry sprays or whatever, and a 20 count string of white lights and some ribbon. Then I sprayed them with spray glue and sprinkled with the white snow stuff. Also, I put a few blank frames with Christmas card fronts so that they could add pics from the inlaws (who I did not have pics as children) and new baby pics as appropriate.
They were darling! My daughter in law actually cried when I gave them their wreath!
I also made a similar thing for my mom - I made her a Grandchildren tree - because she has too many grandchildren to get all their pics on a wreath. I just purchased a small, prelit tree from Wal - Mart, and basically, did the same thing - framed pics of all the grandchildren and children, glued ribbon to the back of the frames - hung them like ornaments, added some ribbon and some berry sprays. It was beautiful and she has used it every year since, because it is small and she can put it together herself - without much work.
I will post more ideas in a little bit, but, I need other ideas from all of you - because, how many memory or family wreaths can you give . . .
Make a list of budget/spending priorities for your self employment income
Dave Ramsey's book has a irregular income planning sheet. Basically you list your expenses with the cash flow sheet. With any steady income you allocate it. For irregular income, make a list from the cash flow sheet of what needs to be paid first. Keep a culmulative total.
Spending a romantic weekend in Atlanta with hubby. Leaving at noon. Can't wait! nm
,
Even if you have not changed anything - sm
you can still develop an allergy. I was told years ago that your body chemistry changes every 7 years or so; don't know if it is true, but it seems that way in my experience. I have developed shampoo allergies in the past totally out of the blue, as well as skin sensitivity. Do patch testing on her arm, place a dab of everything she uses on her inner arm, leave on for 24-48 hours (no showers) covering with a band-aid and then check to see if there is a reaction. That is how I found out it was the shampoo I had been using for years; stopped using the shampoo and my rash went away instantly. But regardless call the dermatologist, make an appointment, I cannot believe you have not called them because you think it will take too long to explain to them the problem; tell them skin rash, period. It may just be a reaction to the drug she is on as well, so once she is off it still may take weeks to clear up and she may need somethings to counteract the reaction. My daughter a few years ago had a reaction to Omnicef, they had to put her on 2 other drugs to get the rash to go away, then taper her off them once the rash disappearred, took about 2-3 weeks for the whole process. Call doctor today, get her in ASAP!
5.4, I think. But might have changed since this was
x
I can't get into it anymore...has it changed?..
I just get "picture of the day" and not the live cam I used to see. ???
This was some years ago and probably has changed
but I was the custodial parent. My ex-husband stayed behind in child support, never caught up and owed me over 3 thousand when my child reached 18. He wanted me to "drop" off my child at another place, did not want to perhaps run into a new guy at my home and the judge said my child not a puppy dog, if he wanted to see he would have to pick her up there. Whatever the courts say, not what you or the next one says, is what goes. Getting the police involved is fruitless- they will tell you need an attorney, go thru the courts, etc. Calling them is taking up their valuable time and they are not at liberty to state who a child should go with. What kind of court order is there and if not, there certainly should be something before you start playing these games. I do not think nonpayment of child support now days plays any part in whether a child is allowed to visit with noncustodial parent. Basically when a court says so, you have to abide by their orders.
Things may have changed
when he was like 2. I will never do that again. They put a bunch of needles filled with different types of serum up both of his arms and all over his back. Then they had to be watched to see which one he reacted to the most. The allergist claimed he was allergic to every food out there and every tree and mold. So, I just laid off the milk and kept him inside on high pollen days. He would have been bubble boy. Thankfully, he's fine now other than an occasional sinus drainage problem, which I think the pollen or something or other must be high right now.
Yes, a friend of my DIL had this and changed
for the worst. She lost weight in her body but her extremities did not and she did not look that good. She changed completely in personality, went from mother and part-time teacher to thinking sex goddess, running around with lots of guys, stealing- things she never did before the bypass. I also saw a television show on bypass surgeries and the stories were similar to this, lots have experienced complete character changes.
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.
times have changed
dont make a big deal about it or it will become a big deal. so buy her the little sports bras that look like half T shirts. this is also good in the winter as it helps keep them warmer. no big deal.
The age for some retirement has changed
I am almost 65 (next March) and my retirement age is 67. It has gone up with people living longer and people born around my year and later will find their social security starts later than 65. I am still working and hope to continue- I have retirement money starting next April from place outsourced from (being independent contractor, that will probably pay part of my taxes for the month, ha!) I guess I should go ahead and contact SS so I can find out if and when I should sign up.
I have a friend who changed her name.
She now wants to be called Sunshine. It would be one thing if the name fit her, but she's the most negative, complaining person I've ever met. I refuse to call her Sunshine. She corrects me whenever I call her by her given birth name, so I just roll my eyes and call her, "Hey!" I think it dishonors your parents to change your name. I've known her by her given name for over 20 years. I'm not changing just because she decided she doesn't like it any more.
A lot has changed in 5 years --
I don't have any personal experience with bankruptcy, but I have a few friends who do. One of them filed several years ago and I think a lot has changed since then. I don't think it's as easy to do anymore and I think you still have to pay some of it back. It's also harder if you have assets to file bankruptcy, so you might want to look into it a little better.
On an another note, it's rather upsetting that so many people think (and not just you) that it's okay to just throw your debt over your shoulder and walk away. I'm sure everyone has their reasons for racking up the debt, but in the end, it's a decision you made. I think people should be more responsible for their actions. Too many people live for the moment and let the rest of us pay for it.
I would have changed seats anyway sm
Less inconvenient than being sick! If I see someone coughing or otherwise obviously sick, I hold my breath as I walk past them if I cannot go way out of my way to walk around them...lol. I used to be a classroom reader with the first graders at my son's school...I built up quite the immune system that year ;) Didn't volunteer this year for my daughter's third grade class...lol
remember they changed it?
It always happens before Halloween however someone in the government changed the daylight savings time weeks... my calendar on sunday says "daylight savings time ends". does that mean saturday night, i guess someone said below!
Unless things have changed
As far as I know, you have to have a converter box, if you don't have a HDTV TV. You can't use a DVD or VCR player for a converter. Maybe what they meant, is if you need a converter box, and don't have one, the only way you can watch your TV, is using a DVD or VCR player, playing the DVD discs, or VCR tapes.
I have bought 5 converter boxes, ending up taking two back. First one I got was a Magnovox, and I didnt' like it. My antennas wouldn't fit it.
I took it back and exchanged it for a RCA one. I couldn't get my money back, with the coupon, so, had to exchange it, and am stuck with the RCA one. It works OK. Not great.
Then I reviewed and found the TiVax was recommended. I got it. I liked it, till I got a DVT Pal today. It is better than any of them i have tried. I traded a Zenith for it, didnt' like the Zenith. My antennas wouldn't fit it, either. So I took the Zenith back, got the DVT Pal.
The Pal is the only one , so far, that I have gotten 4 stations. The others I have only gotten 2. With the ZEnith, I got none. I think I'll stay with the DVT Pal. I have one more coupon left.
No slump here so nothing has changed. NM
X
Wow, the place sure has changed!
My hubby and I went there on our honeymoon in 1985. It was very quiet, and we went all over the place on scooters, taxis, and even rented a jeep and drove up the peninsula some 100 miles or so to see the ruins at Chichen Itza. At that time, the airport looked more like a bus station!
I would have had a great time, but it was January, and I had the flu... REAL influenza; the sort of illness where you feel like you're going to die and you just don't care. I started feeling a little ill even before we left home. By our first night there, I felt horrible and was sick for the entire week. All these years later we laugh about our honeymoon and how I walked around Cancun like a zombie.
Wills cannot be CHANGED. They can be
be contested, but the involved heirs have to agree and consent to the change in distribution.
Without their agreement nothing can be changed.
Have you changed anything in your diet?
My sister had horrible migraines about 20 years ago to the point where she thought she had a brain tumor. She found out that she has a lot of allergies to food, MSG being the worst one. She has to read labels very carefully and the big thing to stay away from is turkey. Turkey has it's own natural MSG that would put her in bed for a day with a headache if she ate it.
I hope you find a remedy that works.
Maybe the office has changed their
policy and will not just renew RXs without an exam.
Even if he truly changed, I'm just not sure if I could love him again.
I just don't know if I can ever completely trust him again and there is a panic that rises in my gut when I think about him coming back home and things going back to the way they were.
He used to steal money from me in order to buy booze because at one point I just decided I could not trust him with money, even if he had a dollar he would buy a cheap can of beer at the gas station. He had booze hidden all over the house. He would look me in the eye, drunk as a skunk, and say he hadn't been drinking. When I asked if he had booze in the house, he said "no" without batting eye.
I just don't want to walk around feeling tense all of the time and worrying if he's telling me the truth or not. Even if he does truly change, how do I get rid of my doubts? I don't know if I can ever completely trust him again and I don't want to live like that.
Hang on, though. The rate could have changed...sm
If any payments were late (or missed), the rate could have gone up astronomically for the OP. They may well have gone up and up. It's probably in the fine print of the card agreement that that will happen automatically with late payments.
And I have heard financial experts say that it's not a good idea to call and cancel a card if you still have a balance on the card, because then you have no way to negotiate with them. Though it doesn't sound like any negotiating was able to happen in this case, you're supposed to keep asking for the person's supervisor (and their supervisor, if necessay), and be persistent, until you get to talk to someone who can help you with lowering the rate and maybe waiving some of the fees.
Then I would apply for another card with a lower rate (and make darn sure you don't make any payments late or miss any payments!) and transfer that WA MU balance over (and ask if they can wave the transfer fee when you apply for the new card).
BTW, I recently applied for a credit card with WA MU because the offer was for 0% interest for 15 months on balance transfers, and the person was definitely in India. Every time I interruped him to ask him a question, it was like he then had to start over reading his "script" but I could understand him.
I asked if he could wave the balance transfer fee, and he said he was unable to do that. I didn't persist or ask to speak to his supervisor, but I should have. According to the experts, the time to negotiate is before they have your business. After they have you as a customer, they aren't so interested!
Mine is changed every 12,000 miles but
i do not use the regular oil that other cars use
I read this was changed 10 years ago what with
20-40 young adult
40-60 adult
60-80 middle-age
80-100 old age
seems a better fit in today's world of people living significantly longer than our ancestors.........
I got a couple of years until I hit middle age according to what I read 10 years ago or longer..........
Hubby changed dermatologists after...
arriving for what he had been told was the first appointment of the day, only to learn from eight other patients that they had been told the same thing.
Call again, things might have changed - nm
s
would not want scoring method changed
because if the judges had too much weight on their scores, there is never a question of who wins -- this way, a person can impress the audience with their overcoming obstacles or rate of improvement, etc, and may get to rank up there with someone who has more natural talent. This makes it more fun!
Name changed legally in the courts and
the reason for the change, he tells me, is he always since a child did not like his given name and as adult, when he could afford, changed it in the courts. He thinks the only reason they are not calling the new (like I said, old name like Lewis and new name like Lou so it is just a shortened version) is just not respecting his wishes. He has told them before, not just this time. The entire name was changed but this is the catch, when he got the thank you note for the flowers sent for the funeral, they came in his newer name!! The person who died, his aunt, always sent him notes, cards, etc. in his new name so not everyone in his family not acknowledging, only the younger siblings actually (those being in the 40s,50s group). So your answer, not just at this funeral time and did because simply hated his name for years. In talking about your friend's name change, I see you emphazied if it MEANT that much to her, pray tell, why do you think someone might do otherwise (other than being in witness protection??) Another thing, just to let you know, his mother prior to her death knew, respected and called him his newer name.
MiraLax changed my life. LOL
Seriously, though, eating a high-fiber diet did not change my issues until I met MiraLax.
I am also having some success with probiotics.
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