Money saving idea
ellendi
10 years ago
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sushipup1
10 years agograinlady_ks
10 years agoRelated Discussions
$ saving tactic pays off again!
Comments (4)And even if it's not on sale, you can always ask, especially if it's a floor model. A friend of mine bought a tool box at HD, and it was the last one- a floor model. He asked for and got 15% off....See MoreSeason's Greetings and Money-saving Idea from Ole Joyful
Comments (10)Hi Jannie, If one of your daughters, at age 15, invests One Whole Dollar ... ... and manages to have it earn 5% rate of return throughout ... ... through 50 years of time ... ... when she hits the ripe old age of 65 ... that dollar will have multiplied 2-1/2 times - it'll be worth $11.00 and change. If she can manage a 10% return, it'll grow to $117.00 and change. No allowance in either case for the erosion of annual income by income tax, and of the value of one's dollar-denominated assets due to inflation. And when she buys a pack of cigarettes - she pays a lot more than a Buck for each one of them. Most of which goes up in smoke - though some stays in her lungs. And the residue can cause a lot of trouble. Can she imagine what people would think of her were she to stand on a main street corner in town and set on fire as many dollars as she spent on smokes that week? And do that at that street corner - every week? People would say that she was nuts. But - that would do her a lot less harm than using those dollars to buy smokes. Trouble is, though - in the U.S., I think that she'd go to jail: it's a Federal offence to destroy money, as it is Federal property. I do hope that your daughters decide that it is a destructive habit - and one of the worst addictions. I don't want to be a slave to a person - much less to a white paper tube filled with dead leaves!! That sounds some stupid, to me. As Dad used to say, "Looks like that person drove their pigs to a darned poor market"!! Good wishes to you - and especially them - for a New Year filled with common sense. ole joyful...See MoreMost Outrageous Money Saving Ideas, again
Comments (120)Hi again folks, When I worked as a personal financial advisor, I talked to clients about "financial freedom" adding to one's peace of mind (in addition to providing the worthwhile liquidity that some envy in others but lack it themselves). The person who is deep in debt, owes on credit cards, and worries when the phone rings as to which creditor is calling, this time ... does not know the peace of mind that comes with financial freedom. The homeless person doesn't, either. When a person has come beyond the age of retirement and lacks enough money to pay for all of needed medications, food, housing and the fuel to keep it comfortable in winter ... which is getting more difficult as some of the basics of life have recent substantial increases in price ... that person lacks the luxury of financial freedom, also. But I also said that I wanted people to boss their money, not having their money bossing them. The people who have adequate resources but squeeze the buffalo on a nickel till it bellers ... aren't making best use of their financial freedom, either. To my mind the rich old guy in the restaurant who made a fuss about refusing to pay because one item on the buffet was lacking was, to my mind, just being boorish. Though I lived on pretty thin income for a number of years during my career, now that I'm near age 80 and don't have to worry about paying for some (of the rather few) things that I want, or about leaving my executors so strapped with regard to my estate that they have to go fishing for extra money to pay for my burial ... that level of financial freedom pleases me. Plus I have some to help pay for my extra care before death, if necessary. If I'm at a party where it's to go on for several hours and they're using styrofoam cups ... for juice now, possibly for water later (and I eschew bottled water, at home) and perhaps for coffee, eventually ... ... I've been known to use my own pen, or hunt up one of theirs, to put my name on my cup in order to use it throughout the period. Not so much for frugal/tight reasons, as for reusing things - reducing our wasteful use of scarce resources, plus making less garbage (and that was true long before I lived within a couple of miles of what used to be a local garbage dump [pardon me - "landfill"] but recently had their licence heavily expanded - then were sold to a major city over a hundred miles away). A city that now trucks their garbage something like 250 miles ... and over an international border. It took millions of years to make the petroleum ... and we've been using it, often wastefully, for the past hundred years - did you hear that: "hundred years" - like it's going out of style. It's not going out of style, in fact, the demand is increasing. Unfortunately - it's availability is decreasing. In addition ... have you heard U.S. folks recently whining about the increase in cost of gas (Canadians, too, but we've been paying some more for some time)? In those threads, we had some Europeans telling how they've been paying $5.00 or so for gas for some time. Have you ever heard the saying that, "Necessity is the mother of invention"? Guess who have been studying, working on, building, evaluating and revamping, various means of production of electricity from renewable resources in recent years. It was the Europeans ... not us North Americans, continuing to walk (no, "drive") along our paths of cheap energy availability. Much less, until recently, concerned to find alternative sources of energy. Additionally - cheap food, which has been our policy for years, is finished. Not only was our food cheaper than in many areas, the fact that our incomes were larger meant also that it consumed a much lower percentage of our total incomes. By the way ... some time ago, on a similar thread, I reported another frugal situation, which someone said that she'd never thought of, but was impressed by. I took some hamburger and peas out of the freezer a while ago ... to let them warm up in the expensively heated air put out by the furnace. I'm cooking a pot of rice ... so took the lid off of the rice cooker and put an aluminum pie plate on there, then put the peas on it, then another aluminum plate with the hamburg on that, with another plate or the pot lid set down on top. Two/three birds - one stone. Good wishes for making good use of a lovely spring weekend - it's snowing, here ... again! ole joyful...See MoreBeauty related money saving ideas: share yours
Comments (73)Rob333, I wish I could like your post a dozen times regarding eyeshadow! I haven't found a dry eyeshadow that stays on all day, even if I use primer first. Eyeshadow pencils or crayons are waxy and they don't last all day either. Liquid or creme eyeshadows work best for me, but the color selection is a bit more limited. I will definitely try using my tinted moisturizer to make my own creme eyeshadow with my current favorite shades. Might try the glycerin, too. Thank you! No tips for saving money from me. But I do have a product recommendation. I wear makeup every day, but I have always had a love/hate relationship with lipstick and haven't worn it for several years. Boy, have things changed. I discovered Maybelline Makeup SuperStay Matte Ink Liquid Lipstick recently. I put it on before I leave for work in the morning and it NEVER needs a touch-up. I eat 3 meals a day and snack a couple of times a day and when I take my makeup off before going to bed, it still looks just as good as when I put it on. There are some other long lasting lipsticks and I've tried a few, but this is my favorite. Yes, it remains a bit tacky, which some people don't like, but I don't see it as a big deal. A very small price to pay for all-day lipstick. And it doesn't rub off at all. I use some beauty products that are waterproof and others that aren't. I just clean my face with soap and water and everything comes off fine. Except the lipstick. It won't come off unless I use makeup remover....See MoreLuAnn_in_PA
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