Been there - could not even afford a loaf of bread once sm
Posted By: Poor on 2006-09-03
In Reply to: Okay. Where do I begin? I need some advice! My husband is in real estate. sm - New To Penny Pinching
I mean really had not a penny for 2 weeks. We just emptied the cabinets and whatever was in there, we made do. Personally, I know what a terrible feeling that is, downright awful! Remember there is always light at the end of the tunnel. If you have anyone close to you who can help you out - that is one thing, but if not - you will have to make do with what you have.
Try the really cheap stores - the ones where usually you wouldn't even look at before. They have great deals, like Aldi, or the dollar stores, the outlet stores like Wonder, Hostess, etc.
I have to say that experience has humbled me and my family significantly.
Good luck - things will work out. Sometimes, we get wake up calls, and this might be yours. I think I have had quite a few already.
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eat bread. it will stick to the bread and go down.
I had this happen a lot.
meat loaf
Next time you make meat loaf, make it your regular way, put half mixture in loaf pan, take a can of green chilies....put pieces of pepper-jack cheese in each chile and close them. Add top layer of mixture, cook as you usually do. You'll love it!
meat loaf, Mrs.T's pierogies, beets
nm
Stove Top Dressing Meat loaf
with home made smashed potatoes, gravy and brussel sprouts....tomorrow night, sketti and meatballs, made with the extra Stove Top mixture.
Meat loaf, mashed potatoes, beef gravy, fried okra.
o
I just make like a meat loaf mixture with egg, cracker crumbs, salt, pepper, egg and milk. SM
Form into patties, cook with some chopped or sliced onions, then add an envelope of gravy mix and water, cook a few minutes. Easy, you can add other stuff or use canned gravy. Enjoy!
Bread around 2.00...
per loaf, milk was $2.90 last night (gallon). Our home cost $171,000, we paid $1450.00 per month for mtg payment. Not totally clear on the taxes and other things. My son goes to a private school, but have heard wonderful things about the public schools in the area.
Hope I helped you out!
All you need is a nice salad and bread. :)
nm
Put your bread in a food processor and
tip for banana bread lovers. sm
I just disovered (thru a friend) that very ripe bananas can be frozen (in their skin) no freezer bag required to make banana bread on a future date. I tried this, and it does work! It is great!. I love making banana bread for my family, but find that many times, the bananas are ripening too quick for my busy schedule.
tip for banana bread lovers. sm
I just disovered (thru a friend) that very ripe bananas can be frozen (in their skin) no freezer bag required to make banana bread on a future date. I tried this, and it does work! It is great!. I love making banana bread for my family, but find that many times, the bananas are ripening too quick for my busy schedule.
Aside from the old favorite zucchini bread, sm
I love zucchini sliced and sauteed with onions, Rotel tomatoes, and crumbled cooked bacon (saute the zucchini in some of the bacon drippings if you can afford the fat/calories).
Okay, what is Jerk BBQ and the bread? sounds good!
you are lucky...they were my bread-and-butter at my past job...
very difficult at first, and I did NOT want to do them; then found out they were pretty much 'standardized' once you got used to the dictators, they say the same thing. Make templates, normals, whatever.
They are interesting, and I could make tons of lines in no time.
Then, I must have gotten 'bumped' when new managers came in and brought in other MTs, because they took them away from me. Never saw them again after that.
Ended up leaving that sorry job, anyway. Very bad experience...
BUT, those ERs paid my bills for 1 full year until then...
Best of luck.
lasagna, salad, and garlic bread
Din tonight...garlic bread, artichokes..yum..nm
Can I actually just buy sliced bread and line the bottom?...
x
white bread - not a good thing to eat but...nm
We had homemade spaghetti and garlic bread.-nm
/
make that garlic bread and it'll be perfect
...
Hot French bread with real butter, rasberries
with real cream, Belgian sweet dark chocolate and Fritos. It would have to be my last supper, because it would probably kill me!  Yummmmmmm.
Love the serrated bread knife! Cuts everything!! nm
s
I found that oatmeal works better than bread crumbs - moister
Happy cooking.
That's what I was thinking, Eat bread or drink something nice and warm to help dissolve.
x
Toast the bread and then either grate in blender or on a manual cheese grater.
x
My hubby will always be the bread winner - I am close, but his salary tops mine. sm
My hubby works for one of the top Oil Companies in USA - with overtime - $150K a year for him. He has all the bennies, pension, 401K, profit sharing, etc. I am about 50K shy of his salary.
Tuna mac, green beans, bread slices. Very cheap and good.
All in the world tuna mac is, is a can or two of tuna drained and mixed in with the box kind of mac n' cheese. Serve with a can of green beans and a slice of bread.
I want my bread crumbs white so I let them dry up in the open overnight (winter brings low humidity)
a very good way not to waste stale bread (aside from pudding).
Wish I could afford...
...to do that! I am SO SO SICK OF MQ!!! They are driving me crazy! I am on my 3rd MT Supervisor in three months and still have not heard one word from the latest one. They just don't care about us at all. I understand that's the nature of the biz, but my God, would it kill you just to drop an email and introduce yourself???
Wish I could afford...
my TC? sorry, what's that?
If you can afford it, go for it. sm
Just remember, if you work as an IC you may have a "nonconforming" loan which may give you a little higher interest rate. If you can document your income with pay stubs and W2s as well as income tax forms, you may be "conforming" and be able to get the lowest interest rate possible.
If your credit scores are high enough, you can always do 100% finance with an 80/20 loan which will eliminate PMI monthly payment. Your credit scores need to be 685 or higher for 100% finance.
Shop around for the best interest rate, but DO NOT let everyone pull your credit. Have one loan officer pull your credit report and ask him what your scores are. When you shop to the next loan officer, tell them do not pull your credit report, but here are my scores. Just give them your scores and ask what is the best interest rate they can give you. The more people who pull your credit report, the lower the score goes. It drops 2 or 3 points each time it is pulled by mortgage loan officers.
Also, you can buy down to a lower rate. So, if they quote you 5.75%, you can buy that down probably to 5.3% for 0.375% of the total mortgage you are borrowing (which in reality is 0.375 of 1 point).
I hope this advice helps - good luck. I say go for it! No better feeling than to own your own home.
I bought a new house last year and we just refinanced and closed on Friday. That is why all of this information is so fresh in my mind. Also, my sister is a mortgage loan officer, so she helped me a lot and explained how things work.
Always ask what your closing costs will be - different mortgage brokers charge differently. One may be $4000 and another may be $8000. That is a huge difference. Some want more profit, others are reasonable.
Best of luck to you.
Here is the best if you can afford it.
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Which can you afford more?
The emergency room bill....or the loss of your DH?
I'm not trying to be harsh, but money concerns should not keep you from getting medical help when it is needed and warranted.
It really sounds like some kind of allergic reaction. But it may also be something harmless. I agree with the other poster about calling your MD. You cannot fool around with stuff like this.
Me too! I can't afford NOT to be an MT!
Can't afford not to
I don't know how you've figured all this out. I have spent HOURS researching all this becuase when I started with learning MT, I barely knew how to turn a computer on, so I was completely in the dark. The only thing I've been able to conclude for sure is that you will pretty much get different information every time you go to a different site. I have tried soooo many different things and to be honest, I really haven't found any one thing to be much better than another, even the things I've started paying for.
I will definitly make a block of time very soon (tomorrow?) and try your group of programs and ideas and hopefully it will help.
Sure do appreciate all your time and thought into your post(s), btw.
Whether you can afford or not SM
you are going to have to see an accountant and/or a lawyer. We cannot teach you how to be an IC or how to set up a company. That is a job for a professional and I would never give advice on either (or take advice) on a message board.
unfortunately I can't afford $99 fee
.
I need a workout! Can't afford a PT
Could not walk for a week afterwards! BOY, what a workout! My thighs hurt so bad I couldn't even walk down stairs, and I considered myself in shape before I took the class! HA! Hang in there, it will get better, and the results will be amazing!
Like ER-MT, I cannot afford to not work
I have four sources for work now:
1. Local account I provide services for another MT who has the account.
2. A small local office that is my own account (2-3 tapes a month that are not usually full)
3. A midsized national MTSO in another state.
4. A small MTSO in another state.
The trick is not having everyone bombard you all at once.
there are ways to afford it
I had the offices to pay for some of it, such as their own recorders. But if it works for you on tape - you have advantages too like the personal contact on pick up/delivery that breeds loyalty. Being on tape makes them harder accounts for people to take from you too.
If they can't afford books
It would take the same amount of time (actually less) to run a phrase through Google or one of the NUMEROUS online medical dictionaries than it would to post it on the Word Board. I, too, can tell on the Word Board which ones are a lack of knowledge in general, and it's kind of frightening those people are typing our reports.
I've seen helpful posters provide links to specialty websites, internet medical dictionaries, pharmaceutical site, etc., to try to help out but judging by some of the repetitive posters, I can't help but wonder if they ever even use the links the MTs have been kind enough to take the trouble to provide for them.
We all have times when we need help (or just a brief brain freeze where we cannot recall a word which I do once in awhile), but many of these posts (i.e., 'what is symphisis pubes?') make you wonder how much exposure to medical terminology a lot of these posters have even had.
Scary, actually.
How do you think they afford their mansions and
expensive vacations? Greed.
Seafood pasta and olive oil garlic sauce, red leaf salad, homemade bread with sun dried tomato
along with a big glass of white wine. MMMMMM
I'd love a vacation, but cannot afford it
Hi everyone,
thanks for your posts on this subject. I really cannot afford to take a vacation or even a day off. No one is around to pick up the work that will pile up if I take off and if I take off I don't get paid and since I just went through bankruptcy I really need all the money I can get, but it is nice to dream of the day I can take a vacation and not worry about the day without pay.
You also couldn't afford a breakdown - sm plz
I am a walking burnout factory... it is so necessary to not be the "yes girl"... take a break at least ONE holiday, ONE weekend and spend it on YOU... You cannot afford a mental meltdown, which will happen at this rate. Take care of you, and the job will continue to flow... everyone needs a break.... as short as it may be, it can still be refreshing if you use a day wisely... just my opinion
If you can afford to make the switch
then I would go for it. You will not make $15 an hour with most of the companies out there initially. Research the companies. I would try it PT before quiting my job and going FT with a national. Good luck!
We can't all afford the luxury of "Finding another job"
It isn't nearly as easy to up and quit a job as you make it sound. What about health coverage? Most of us have children or medical conditions and need our insurance coverage. When you start a new job, you have to wait usually 90 days before health care will kick in and, in some cases, if you have a pre-existing condition, they won't cover you. That is why a lot of us stay. MQ is very closed in the communication department, so this is our only means of communicating with each other. And it doesn't help to get bashed by our fellow MTs. We could use a little patience and little sympathy from our brother and sister MTs. So you have to scroll down past our remarks, you could be in our shoes and that is much worse. So next time you want to bash MQers, think about if the shoe was on the other foot.
Life is too short . . . if you can afford it,
xx
Law doesn't matter if she can't afford to take
him to court to fight it. He can do as he pleases and the burden will be on her to go after him and make him adhere to the court order.
Been there, done that. It's an expensive, exhaustive process and, in the long run, she will probably lose out if she runs out of money.
It's sad, pathetic, unfair, immoral, but true.
If you can't afford to work for a company and eat, it's IC all the way. (nm)
x
I can't afford to live in a house, just an apt. where I
:D
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