the poster is seeking advice on lodging, on a budget
Posted By: N/M on 2007-05-22
In Reply to: I went and took a lot of folks - Sherri
nm
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Seeking advice on CLEP exams - sm
Has anyone successfully taken any of the exams, which ones, did you buy a study guide for any of them, and how hard were they? I am looking to start a new degree program and am wondering if trying to take CLEP exams is worth it. They sure are cheaper than taking the actual class, that's for sure! Thanks for any answers you can provide. 
seeking advice on selling used items like
nm
This poster has wonderful advice and I second it!! nm
nn
Not answer you are seeking but
if you do not use as shower I would not put one up unless you need splash of color in that room, etc. I would decorate with bright towels, candles, etc., and leave the curtain off for a more fresh, open and airy feeling.
or hot and they are seeking cool!
x
But why women seeking men?
Okay, what am I missing. Wouldn't it be men seeking men or men seeking women? I'm not saying you shouldn't be concered, I'm just confused. If a man wants to be sought by a woman, I think a man looking for a man would have no luck with him, right?
Having said that (I'm single), I used to browse the Yahoo men seeking women ads just to see what the competition was (never entered my profile, though, -- I'm a happy 'aloner'). It was funny because I found one of my daughter's teachers there!!
At any rate, I wish you luck and happiness.
Don't think this is consensus seeking.
When I was in this situation, I would clam up for months and even YEARS at a time and talk to no one. Other times, the dam would break and I would talk to anyone and everyone who woud listen (or who I could corner), even and often inappropriately. The depression that accompanies this he*ll on earth is not exactly conducive to rational thinking 100% of the time, although this particular poster seems to be doing much better with it than I did then. When you stay bottled up for months on end, talking it out is a first step (and one that you sometimes have to take more than once) to sorting it out in your own mind. Responses you get either help or they don't, but getting all kinds helps you gain insight into your own situation and what might be the best solution for it...the soilution that makes the best sense to her, not to any of us on this forum.
I'm soo glad you finally got what you had been seeking!
congratulations! Perserverance pays off sometimes! Good for you. They were probably hoping you would give up and write it off, but you won this one! yaaeee~sleep well tonight!
Seeking home remedy
I have been having horrible Charlie Horse's at night. I have been reading online that there is really no relationship with low potassium, magnesium, or calcium like most people think. The only suggestions I see are stretching or a hot bath.
Anyone have any suggestions of things to try? TIA!
I am "juvenile post" poster. "Looney" poster is some
x
Budget??
 What is your price range?????
According to DH, our budget is $1,000
But more likely I'll spend about $1350. We have 3 kids. We usually get them 1 big gift to share and then round it out with smaller gifts. This year, they're getting a trampoline. It'll probably run around $400 and then about $200 on individual gifts.
The breakdown of the other $350:
Parents $150, Grandma $25, Gift Exchange $60, Siblings (from my kids $20, Niece/nephew: $40, Teacher Gifts $30, Student Gifts: $15.
The remaining $30 will go to Toys for Tots! Each of my kids like to pick out a $10 gift to put in.
I have 3 siblings and 1 that's married, so we all put our names into a drawing and buy each other a $30 gift. My brother that's married also has 2 kids, so our kids exchange gifts. Of course, my 2 unmarried siblings also buy small gifts for my children, so we always get them a little something from them -- usually lottery tickets or a gas card for Sheetz. $10 used to fill 'em up, but now it'll probably just buy them a hoagie and chips. We do our exchange party on Christmas Eve. It keeps the kids entertained and gives them a little "preview" of what's to come. I have to say I enjoy Christmas Eve more than Christmas Day. It's so much more relaxed, not as much work (we order pizza and wings), and the kids aren't as tired since they didn't get up at the crack of dawn.
Teacher gifts kill me. It's hard to find something nice for under $10. I usually go for a coffee mug with a Christmas scene or teacher saying on it and fill it with candy.
Of course, DH thinks I do all this for Christmas for $1000, but why tell him and spoil it? We do a Christmas Club for $1000 every year and I just buy the other stuff here and there.
We already got our Christmas gifts for ourselves -- a 46-inch LCD TV for DH and a Dooney & Bourke purse with matching wallet for me.
Now you all got me excited again about shopping next week. I've got my list ready and haven't cashed my Christmas Club check. I always wait until the day before Thanksgiving to do that so I know I won't spend it on anything else.
For those of you below who posted that you don't shop on Black Friday. Let me just say that I don't go out early for the best deals -- but rather just to watch the chaos of it all. I sometimes snag a deal or 2, but I learned a long time ago not to wait until Black Friday to get the most sought after items. Best to get them in Sept or Oct.
How much is your Christmas budget? sm
Our family budget is $1000 and that covers gifts for 19 people, including "Santa" for the 2 kids. What about your house?
Christmas Budget
We usually spend about $300 on each chlid (2) and we don't have too many more people to buy for so it's hard to estimate how much more we spend on the others. Of course having a 12 year old that wants all the big ticket items this year, it gets kind of tricky.
I don't make a budget.
Only have 3 children and a very small extended family to buy for. I doubt I spend over $600 between them all.
Need to set up a budget for my 22-year-old DD.
She really overspends in this area and I need to show her how to manage a little better and about sacrifices. Bills first and then play. With the gas prices on the rise it is going to be tough having any left over.
You said budget? Do not think inside WDW
is for the budget minded. Maybe I am wrong but even eating in the park is $$$ most of the time. I would only stay inside the park if only going to WDW because of the fact you get to start earlier than the outside group and have maybe a few more perks. Lots of motels outside Mickey land offer buses that take you back and forth to the park. Oh, BTW, I am in my 60s and I have not outgrown Mickey and Minnie yet!
Christmas budget....
I never spend a lot at Christmas. I have one daughter to buy for and 2 nephews (a new one this year!). Other than that, the rest of the family members get something handmade. This year they will be getting wickless candles that I make and sell to sit on warmers (they got these and warmers last year) and I'm also embroidering flour sack towels. I'm hoping to find an iron-on pattern to fit each person. My family and my boyfriend's family love anything handmade and it really saves me. Plus, I hate to buy them something that they probably won't use or don't need. As far as the nephews, I will probably spend about $30. For my daughter, I pick a few things off her list and that's all she gets. I think this year is going to be a little more than usual for her, probably around $400, only because 1 of the American Girl things she wants is retired and I have to get it off eBay! My boyfriend and I do not buy for ourselves, but we may get another game or 2 for the Wii. For my daughter's teachers, last year we did candles and they went over well, so I'm doing that again. :)
No budget, but don't really buy gifts.
Hubby and I only give gifts to people we live with. Which means, we give gifts only to our children. But even for the kids, we don't focus on the gifts. They each get about three gifts and a stocking. Everyone is nearly grown now, ages 17, 18 and 20. DH and I haven't exchanged Christmas gifts in over 20 years. We simply go out and spend time together during the season. We'll have a really nice dinner somewhere, or go to a show, something like that.
I've tried very hard to stay away from the materialism at Christmas. It's just not what it's about.
we always vary the budget
We have no discipline. If we have a good year or bad year it shows. Sometimes the kids remember the bad years, but so do the grown ups!
Tell her they are on a tight budget and if she wants those people there
she can pay for them ;)
Our standard budget gathering is
meatball sandwiches, pasta salad, green salads. If I'm in the mood, I'll make the meatballs myself, but it's easier to buy bags of them from one of the big box mart type places. The giant cans of Don Pepino's spaghetti sauce are really good and cheap, too.
Has he ever had to live within a budget? Truly supported himself w/o sm
mamma's help? I would take a very hard look at my marriage with this man. If he is controlling now (and controlling where you go and how you spend IS control), this will not change. Financial carelessness is a serious issue; you will be saddled with his debt for many years if you are not careful. Do go to Suze Orman's website and/ or get some books by her from your library; I recommend "Women and Money".
It sounds to me like your warning bells are going off. Please listen to yourself and don't get burned. Take care and give us an update.
Need advice on a good, adjustable chair for typing. Any advice? nm
nm
they always request more to cover what others don't send - plus what their budget won't buy -
x
My lunch-budget is however many lines I miss when
I don't keep track either. Poor budget planner. Spend way too much - around $2k. nm
x
not poster you responded to but that poster has
everyone with different opinions is allowed to post here and poster said they were making a contribution in the name of pro-peace....give that poster a break please....
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.
Set my budget a year in advance, save all year and
nm
ya got that right! Poster DOES know or else she
She is 54 after all.............not a baby, not a young adult/teen who really needs guidance.
She knows this is DEAD wrong but appears to be *seeking* something from all of us, as she said she was posting *in a safe place*............meaning here on the forum.
We know right from wrong from FIVE YEARS OLD on..........she knows what she is doing is most wrong/incorrect.
I just think she is craving attention, personally......... 
I will go along with the poster below who --sm
said she was *dressed*. Actually quite a personal question and no one else's business what I wear or when. I notice you didn't answer your own question, either.
If it is the same poster, she is only doing sm
400 lines in 8 hours. I guess anything is better than that. That isn't even minimum wage. If it is her, then she definitely needs a new career. 400 lines in 8 hours is ridiculous. I do 400 lines an hour. These career is only for the hardy ones.
this has nothing to do with what the poster is asking....
nm
The poster was right....
you can't change your dad, just stay happy. But, you could invite your parents to go to church with your family - if they say no, just tell them the invitation is open at any time. You could also just cheerfully mention to your Dad that you saw such and such a job in the newspaper and thought it was something he might be interested in looking into.
You're wise enough to know you can't change another person, but you can give him a little encouragement - plant a seed and see if it grows.
Happy Trails to you.
But you would have if you could have, and above poster did try (sm)
So why are you both saying parents don't owe their kids help with getting through college? Poster A tried to help hers and jlynn would have helped hers if she could.
As the poster below said...if you are..
having a tough time making it financially, maybe there are better job choices out there for you. My point was that most people who whine about having no money usually have the brand new car or two and the payments, a huge mortgage, the latest tech gear, etc. We have a lot of nice things, all paid for, but we took our time getting them. We save where we can, but we aren't letting gas prices or grocery prices change our lifestyle that much and the reason we can do that is because we only have a mortgage to pay. We have made a decision that whatever we want to buy we will either save and pay cash for or charge it and pay it off the next month. As you get older you realize stuff is just stuff, it comes and goes, and the less you can get by on the better.
PS! The poster below was right about UTI's -
I lost my previous cat (a 4-year-old male) to acute kidney failure brought on by an obstructed urinary tract. In addition to being a male, which put him at higher risk, he was also a Persian, which get this more frequently than other breeds), and he ate ONLY dry cat food. Just would not touch any kind of wet food. Although I normally only fed him high-quality food by Royal Canin, I also made the mistake of letting him have Meow-Mix as a treat occasionally, for a change. That brand has apparently messed up other cats' pH balances, and I'll always wonder if I killed him by feeding him Meow Mix....
Although he never peed outside his litter box, he did start to pee more often, and in less and less amounts. It had been happening very gradually over about a week, and at the time I hadn't really noticed it. It was only in retrospect that I remembered... AFTER it was too late. Even though he was nearly dead when he was brought in, the emergency after-hours vet clinic saved his life the first time, and for a month he was completely back to normal! But then, overnight, it came back, and the next morning I found him lying in his litter box (another warning sign!) The second time at the vet's, they said the toxins from the first episode the month before had backed up into his system and basically destroyed his kidneys, so at that point I had him put to sleep.
So, long story short, especially with a male cat, don't take any chances, and be sure to have your vet check him out. Be sure he's eating at least SOME canned (wet) cat food, and if possible, it might be wise to eliminate dry food altogether. If you do feed dry food, be sure it's a top-quality brand (with NO ingredients from China!)
Once again, good luck and best wishes!
I'm poster from above... (it's possible)
You know the spots you see in pictures sometimes? You think it's sunlight or whatever... Well we took a family pic (SIL took the pic) and there was a huge spot. My son told me he learned about Spirit Orbs at school. Well, I think the Orb was my mother. I'm sorry, but it just seemed weird to me that this would appear in this manner. We lost my Mom about 2 years ago. The kids were very attached to her. She's here in spirit; my son said I think that Orb is MeMe (that's what they called her).
Also, my son (he's 14) had a dream right after her death that she saw my Mom (looked like me) and my Dad (looked like my brother) dancing. He said they looked young and MeMe told him "don't worry, I'm in good hands." My Dad died about 13 years ago (my son was only 5 months old). So, you see, kids deal and see things different.
Your son probably does see images or what he perceives as ghosts and it frightens him because he is so young.
The sleeping arrangements in your household is your business. Whatever works. I used to sleep with my Mom when my Dad worked nights, and I was probably in junior high at the time. My Dad worked shift work. 
The above poster is right
My brother went through this. He had to take half of his wife's credit card debt. But what you can do is contact the credit card company, after the divorce is final, and ask how much they are willing to settle the account for. He settled a 14,000 credit care bill for 9,000, if he paid it within 10 days of making the agreement with them. His wife and her attorney were pretty mad, but there was nothing they could do. She kept wanting him to just give her the money and let her pay the bill, she probably already knew what they were going to settle for and thought she could pocket the 5000.00. The credit card company showed the account as paid in full satisfactorily. Assets will be split including any pensions, 401K, etc., as well as cars, boats, property, any of that stuff. You can trade off on things, for instance not touch his 401K if you get _____?? and so on.
As for the kids, there will be a set visitation schedule which you both work out and the court approves of. If he doesn't follow it or if he doesn't return the kids, than he is in contempt of court. If there are problems during the divorce, the court will set up a schedule for visitations during that period if needed.
One more tip I learned. You want the best attorney you can get. If you don't know any, ask a cop or a few if you can. LOL, they know who the good ones are and who they would call if they needed one. They're in court and around the courthouse and know how things happen. Ask more than one person and get some opinions before you retain a lawyer. It sounds like you already know he's not going to be nice about this. Don't be overly nice about it either or he'll try to take advantage.
I don't think the poster is looking for
Family friendly. She went to "Couples" Negril. Sandals and Beaches are great if you don't mind family vacations.
lol actually i said it under the first poster!
because like you i work a lot and sometimes can only catch shows once in awhile... THe office is one that i love but dont get to watch often enough cause of work.
it is so up my alley of humor. but then again im easily amused.
I hate not following every week though you know. i never thought about renting seasons or anything cause i definitely dont have an extended period of time to just sit and watch TV... too much other stuff to be doing but you are totally right, it's a good one!!!
I will ask you as I did another poster above
I know for a fact your 401K probably very much dinged along with the rest of investments unless it is a bank 401K in which there are no problems there. Having 50K in the bank is ok and like you I am 100% debt free (except for my home). Our family was close to the working poor when I was growing up and did not even own a car. I never knew we were that close to poverty, though. I have only lived in my new home around 5 years now and already have it from over 200,000 to down under 90,000 so now a big majority of the payment going not just on interest. I was heading towards danger when I financed at first with interest only. Learned a lesson real fast with that and refinanced to what I call real payments. With my being independent now I am planning to see how to set up automatic payments to the IRS so that will go straight there every so many months and will not miss it.
The poster below just does not get it
My father took out a policy on his work site in the 50s. There were only 2 children that belonged to him, my brother and myself. We were young children in the 50s. No one had any names of people we were to marry in the future, no names of grandchildren to be born in the future. Gosh, he was not psychic. He was married to my stepmom sometime in the 50s, I don’t know when but the stepmom had died 2 years before my father. My brother married (before his death in 1973), had 2 children. When my father died in 2004 the insurance company had names of my brother, his children's names, their last known address, somewhere in Knoxville, I had never visited there so had no addresses. I gave them the information I knew. It was up to the insurance company to find anyone this money belonged to. I had remarried and yet they contacted me. My name was not the same name when my father died but hello, they found me. I have no idea why Jan is so bent out of shape over this. She talks like you can just rush in and take what is not yours. I had no dealings with my brother, his family at all for years and years. You know, sometimes people just get lost. I was contacted back in approximately 1987 about getting a nephew out of a jail in Georgia that I knew nothing about. Fast forward to 2004, the year my father died, 17 years later and I had heard nothing else from the SIL, their son, their daughter since 1987. Now I hope Jan can give it a rest.
I would do like the other poster, if sm
you have to use it, just charge something really little and pay it off each month. I had one card lower my credit limit for no reason whatsoever. I was so mad and I would love to close it but won't be doing that. I sure won't charge anything and leg interest build though.
Have to agree with this poster
I'm no Bible thumping holy roller but I do know that if you TRULY understand what it means to be a Christian, you don't go in for the evil aspect of Halloween. I don't think what the pastor said and did is appropriate though. He sounds a little over the top to me.
I have to agree with the poster above
Your sister and BIL did not borrow the quad, simply agreed to bring it to their home because your husband was too tired to unload it. Sounds like the BIL was trying to be nice. Hubby was too tired to unload it, but expected BIL to do it himself at his house???
r u the poster I responded to? well if not.
If you are or are not the poster I responded to - doesn't matter one lick. The poster said *will not shop in any store that sells gay or lesbian items*
Poster did not clarify that they *WOULD shop in a store that sells heterosexual items also being sold to gays* -
You seem to have an interpretation and possibly reading problem which, if you were the poster I was responding to, accounts for the little pea-sized, shut-down to nearly closed-down brain.........
To me it is unbelievable that homophobes still exist in the 21st Century amongst the common folk?
All this spewing about Christmas and Christian way of life and giving and generosity and all this supposed good feelings, yet all I see here is hypocrisy and condemnation for anyone who is not of your faith and for anyone who doesn't interpret any bible the way that some of you do.
God says we are to love each other as we love ourselves - but looking at some of these posts I see SOME really lack loving themselves and become accusers and finger-pointers - and JUDGE NOT LEST YE BE JUDGED.....
To all who condemn others who do not follow your ways, religion, closed mindedness..... Who died and left you boss of anything?
And lest not forget that Christianity and Catholicism stems from Judeo-Christian teachings.....which when I get involved teaches all about tolerance.
Now, can we all just try to be pleasant and get along and agree that we can all disagree and still be civil to one another or is that task far too great?
I agree 100% with the poster below - also...
You do not want to be his second choice. Either he is free from this other woman and available to date you in a proper manner or he is not. Him saying *things are not working out* is SO typical for someone who wants to play the field and still have the security of someone else. He has been with her 7 years, is not happy, and has not moved on??? You deserve so much better and do not need someone like him. Let sleeping dogs lie!!!
New poster or not, you are rude. nm
m
No, did not mean original poster...
I was referring to the poster who stated she was certain she would be in Heaven. I don't know how she could tell someone that because try as I may, I don't know that I will pass the test. I understand saying things like that are to comfort the grieving person, but I also think we may be held accountable for giving false hope like that, but then again there are a lot of things we just won't know until it is time to know them. To the original poster, I do feel so badly for you and hope that you find the comfort you need in this trying time. I'm sure you are questioning God and that is fine too, just remember he has a plan for everything.
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