SparkPeople Money Matters Team Messageboard All things financial; budgeting, credit, loans, stocks, bonds, mutual funds, 401k, relationship between money and lifestyle, weight loss and fitness SparkPeople Money Matters Team Messageboard Credit Score I'm working towards fixing my credit score. How long did it take you guys before you efforts reflected your score? <BR> <BR> **Recently I found out that my car loan has been under someone else's SSN for the past 3 years, so I had them fix that (hoping it shot up a few hundred points after that hell of a mess..). I'm also paying off my credit cards (early or on time), and avoiding any late payments. I'm hoping all of these things will increase that score!** Fri, 28 Feb 2014 07:23:34 EST Long Term Care Insurance Cost Life expectancy is becoming much longer nowadays and the cost of long term care continues to increase. With these pressing problems, people are highly encouraged to start planning for retirement as early as possible. You might end up depleting your assets due to the high cost of ltc if you opt not to purchase ltc insurance. The safest way to age and to pay for care is through private insurance. Some would stay that it's impossible for them to purchase becasue it's too expensive. Those who say... Thu, 30 Jan 2014 20:28:33 EST School I just applied for a year-long program that starts in September, if I am selected (closing date is July 1) it will be an extra $500 or so a month. I'm still using the excuse of getting my Social Security starting last December to pay extra amounts. I've tried working with the food budget and other ways of cutting back on expenses but am not having any luck. I do have one or two things else I can try if there's an emergency, but right now we are doing well financially (just refinanced the h... Sat, 1 Jun 2013 09:17:52 EST Home refiance We just refinanced ours after a bit of trouble and now will be paying $300 less a month on our mortgage. I assume DH might be investing that and getting more interest (which we live on). Sun, 19 May 2013 11:06:15 EST What are you currently working on? We're in the middle of refinancing our home to get our monthly payments down. <BR> <BR> I'm starting a personal accountability deal with my credit card and the food budget, keeping track of all expenses, daily. I have goals I want to decrease my spending on both by. I recently started a program to get "out and about" more, which includes de-simplifying some of my grocery shopping choices, going further afield to save money. <BR> <BR> I normally have my groceries delivered but I am goi... Tue, 9 Apr 2013 08:51:14 EST Earn extra cash--easy and free Hey guys. I gotta admit, I'm in debt up to my eyeballs. I found this site online that makes it pretty easy to earn cash. Will you get rich quick? No, but it's good to have some extra cash in your pocket! <BR> <BR> Tue, 26 Feb 2013 17:21:40 EST Bonsoir from Paris Hello, <BR> I am joining, to try and get back into the groove of investments talk, and banking jargon. <BR> Moving to Paris, has been a wild ride !! I have started to take french lessons, I never thought, I would be living here.. ( should have paid more attention in school -lol) <BR> <BR> Looking for any advise for my transition. I know, Paris does not require the SEC 7 etc.. <BR> any help is wonderful . <BR> merci <em>10</em> Tue, 18 Dec 2012 16:23:01 EST Christmas shopping I'm almost finished mine; I have a lot of grand nieces and nephews I see Christmas Day and other family parties to go to with in-laws and grandchildren, etc. so I do "generic" gifts, one kind of boyish (nano bugs), one girlish (personal shake it up ice cream makers) and a few "surprises" (seasonal m&m's to give service people like the mail person, delivery people, acquaintances, etc.) and some interesting card puzzles for gift cards for older teen/college age relatives and then I can concentr... Sun, 18 Nov 2012 10:33:40 EST Cell phones and electronics I just changed my computer to a netbook so I can use it in the car/on vacation. To make up the $50/month data charge contract I had to take out, I changed my phone to a "Go Phone" and reduced my contract price of $75-$90 down to only $40 max. My husband's cell phone had a $30/month contract and I got him an $8/month plan instead. <BR> <BR> However, I had to get some new software for the netbook and a new printer, the old wouldn't work with the operating system, etc. so the first month or t... Thu, 25 Oct 2012 10:46:47 EST Social Security I just applied online last week and got an email to call them before they could process my claim completely; when I did, it turns out I got more money, because of my husband, than I thought; I was applying for myself on my own record but for some reason still get money because his account is larger. <BR> <BR> I said, "But I'm only 62!" (to choose half of one's spouse's larger amount you have to be the full age, in my case 66) and he explained that was different. "But he's still alive!" I ... Fri, 7 Sep 2012 09:28:18 EST $$'s for when you are done loosing I have decided that for every pound I loose - I am going to put $5 into a savings account so I can apply it to my new 'wardrobe' or special treat - a visit to a health spa or?? (todate $175) <BR> <BR> I would be interested in learning about what others plan to do to celebrate when they reach a goal. <BR> <BR> <em>381</em> <em>179</em> <em>240</em> <em>244</em> Mon, 3 Sep 2012 14:57:50 EST In MUCH NEED of motivation & support Hi, I am Bri, I am 19 years old & a mother of 1. <BR> Before i got pregnant i weighed 127lbs, my weight when i found out i was pregnant was 134lbs & my weight when i was 9 months pregnant was, 168 at the highest. After i gave birth to my daughter Ryleigh, i was able to breast feed for 3 weeks till my milk supply decreased. i lost about 40lbs and weighed about 145lbs... <BR> I know this is a lot to take in, but i now weigh 160.. and i am super depressed about my body, my weight and this one of... Wed, 8 Aug 2012 23:18:04 EST Tracking Finances I somehow missed that I was only supposed to pick 3 fast break goals. I had like 11! LOL. It was tough deciding which ones to stick with. I am doing: <BR> Exercise 10 minutes <BR> Read from a spiritual book <BR> Create and stick to a budget. <BR> <BR> Though on the budget I'm applying what I've learned about nutrition, which is to track it daily. I think part of that will be to divide out monthly expenses and realize I spend on mortgage and utilities everyday, even though the bill co... Tue, 7 Aug 2012 09:46:34 EST Just me! :) Hey y'all! My name's Melody, I'm 20, and I'm looking to get fit! I'm currently about 170-175, and I'm 5'6" tall. I work retail, 40+ hours a week, no kids, and not currently in school. Trying to hit the gym for one session a day, at least 30 minutes at a time, but it's hard. Any support would be much appreciated, I'd love to talk to someone who knows what this journey is like. Also, any runners/joggers who have tips would be AWESOME, trying to slowly but surely get into the sport. Thank you! Sat, 4 Aug 2012 02:44:37 EST just want to say hello everyone i am new to the community and i just want to say hello, i am very much interested in losing weight and feeling good about myself. i do need some good friends and motivators to get me through it. i do want to learn how to maintain my weight and keep my blood pressure down to normal, and keep the acid out of my stomach, so send me all the information i need, it is welcomed and appreciated. thank you Tue, 31 Jul 2012 17:37:37 EST Anyone use YNAB? I think it's the best planning software that I've ever used. But I confess,I just realized that that when I look at my buffer I feel like it gives me permission to spend out of my planning, cauase I can make it up later. Sort of like failed dieting. The old story of "I'll eat this tonight and make up for it tomorrow". Me thinks me sees a pattern of bad habits and bad stories this past year! <BR> <BR> Curious what other's experiences with it have been. Sat, 14 Jul 2012 14:22:40 EST Losing Weight is like glitter and unicorns - not. Hi there - i've just joined sparkpeople after doing some research. I'm excited to get started because I have a lot of pesky weight to lose. Any motivation/inspiration you might have would be very much appreciated. Anyone wanna be friends? That would be awesome too. Cheers :) Fri, 13 Jul 2012 21:23:27 EST Groceries I've really been spending a lot on groceries. I can afford it but I think I want to rein that in (last time I bought lots of batteries, for example) and get a bit more organized. Fri, 6 Jul 2012 08:40:46 EST hello hello i just joined here so i hope that i will learn some new things and get to know new people Tue, 15 May 2012 09:46:43 EST 401K advice needed I am looking ways to help my parents as far as their 401Ks. Money just keeps getting drained from their accounts - like I bet most others are having too. Is there any way to convert their 401K into an IRA or some other funds even though they still work for their employer? Tue, 10 Apr 2012 17:34:29 EST Hi! Hello, everyone! <BR> <BR> I am new to this group, and I really hope to learn how to make my money work for me, as well as my family. <BR> <BR> I hope everyone is doing well, and I can't wait to meet you! Tue, 10 Apr 2012 17:30:18 EST Investing Last summer I was able to buy a new refrigerator with earnings from an investment and I've reinvested that principal in a stock, hoping that in a couple months I'll be able to buy a new dishwasher :-) I looked for a rack to replace the broken one (not just a "paint on" fix, whole tines are broken off and jagged/rusted; it's ugly in there, LOL) and the rack alone appeared to cost half as much as a new dishwasher would, assuming I actually found the correct rack for my dishwasher (they were st... Sun, 11 Mar 2012 10:45:47 EST Hi There! Lori Here! Hello, <BR> <BR> I'm Lori, an overweight Air Force spouse, government worker, mom of 2, and sometime student. I've been here on sparkpeople before, but never really got the hang of it. So I deleted my old profile and have finally decided to start again and give it 100%. I look forward to meeting and getting to know and cheering on lots of new people on their way to healthier lifestyle and happier living. Here's to a fabulous December and an even more awesome 2012! :-) <BR> <BR> All the be... Sun, 11 Dec 2011 01:09:42 EST Social Security Social Security came up on my family Thanksgiving trip; my husband's ex-wife is thinking of when she should retire and what options to choose and had questions so I did some research a couple of days ago. I will be 62 this coming October and could apply to start receiving SS in July of next year. <BR> <BR> My husband made a lot more money than I did and I (and his ex-wife) could wait until we are 66 and receive half of his amount but I discovered that all of mine at age 66 would be more tha... Wed, 30 Nov 2011 08:53:47 EST This economy What have you given up? What have you cut back on? Are you doing better than when things started in 2008, back pretty much to where you were, "ignoring" 2008 or ???? <BR> <BR> How are you living differently from when the economy started to go south. <BR> <BR> I drastically cut back my credit card use, in half, got some miscellaneous bills under control (closed my storage unit, stopped water delivery from Deer Park, etc.) and finally got my husband to downsize from two cars to one and to s... Sun, 4 Sep 2011 10:39:06 EST I'm new & the financial stuff on my mind Hi every one. I work part-time earning $8, 16 hours or less a week. 10% comes off the top for retirement. $11 a day for handicapped parking. I receive SSDI. My son lives with me and also receives SSDI and SSI. I was married until 2004. During the divorce my husband said he would pay 100% of ALL debt no matter whose name it was in' in exchange for my handicapped accessible van that I paid for with SSDI money. After the divorce was finalized he filled bankruptcy. I had no job and was the now si... Mon, 1 Aug 2011 13:23:31 EST ATM's How do you use ATM's? Do you use any you want/need (and pay extra fees perhaps) or only go to your bank's and do you "balance" your withdrawals right away or sometimes "forget". Do you have a "special" card that gives you cash back or less fees or something for using it more? <BR> <BR> I don't use my ATM card "enough" and last year my husband got a new one in the mail and I did not. We only have one account and we're both on it so I was a bit miffed at the bank :-) My husband takes out a... Mon, 11 Jul 2011 08:50:01 EST Multiple or part-time jobs Anyone working several jobs or only part-time? What is your scheme? Are you going to school or training for something better? <BR> <BR> I spent a 5-10 year period where I was deliberately working part-time, getting use to interviewing for jobs and quitting them, LOL. Too, I would occasionally take jobs that were "beneath" me to force myself to learn to do what was necessary on a job whether I "liked" that task or not. I had independent jobs too in that period so I swept the whole period ... Sat, 4 Jun 2011 08:47:53 EST 2011-2016 Money Goals (five year) I saw each year had this :-) <BR> <BR> We're trying to pay off our vacation from February and our exploratory trip to Florida last December. I'd like us to go visit my Aunt in San Francisco this Fall and then go to London on a genealogy tour. I'm sure DH would like to go back to Florida next February too. Will take some good sucking in of our money belt to make all that work! Wed, 18 May 2011 10:41:36 EST Grocery shopping challenge I'm going to add up all I spent at the grocery store last month and work on seeing if I can't reduce it by 20% in the next 30 days by planning better and keeping track/being aware of my expenses. <BR> <BR> Last month's grocery amount: nearly $1200 (Apr 1-Apr 22) <BR> Next 3 week (22 day) target: $900.00 (May 9-Memorial Day) Mon, 9 May 2011 10:26:35 EST Taxes Everyone done theirs? Getting back or owing? <BR> <BR> My husband is still expecting an investment paper this week so is going to start working on ours but will probably be working down to the wire. Don't think we'll owe Federal but might a little for State he said. Sat, 2 Apr 2011 10:27:37 EST Flea markets, yard sales & other bargains Anyone do flea marketing, especially selling there? We have a large one that has opened in an old Target-sized store that has been several things since (I think it was actually a K-mart originally, over 7-8 years ago) and I just saw an ad saying you can buy tables and permanent spaces, etc. and my imagination started going, if I were to start flea marketing every weekend, what would I sell and how would I do it. <BR> <BR> My community has yard sales twice a year, Spring and Fall and I usual... Sun, 13 Mar 2011 10:51:20 EST Insurance and medicines Do you have any unusual insurance problems (house, car, health, whatever) or high medical/medicine bills? <BR> <BR> I just got a call from the doctor's office reminding me of my appointment tomorrow but we're due to get icing tomorrow and the temp is only going to 33 so we postponed the appointment until Wednesday. Now I have to get packed for my trip (leaving Wednesday, after I get my prescriptions filled right after the doctor's appointment) by tomorrow night, leave here Wednesday and not... Mon, 31 Jan 2011 12:12:47 EST Credit cards How do you use yours? <BR> <BR> I had two and got rid of one a month or two ago. Now I sort of keep track of due date in my head and sort of buy before/after to balance how much I buy each month so I don't spend too much. <BR> <BR> I've been "good" for a couple weeks now but have the urge to buy some books for my Nook for taking to Florida; I also have started a list of library books I want to get (but I don't think my library will have most of them, I might end up buying them when I'm in ... Mon, 10 Jan 2011 10:27:10 EST Spare Change What do you use yours for? <BR> <BR> I have a jar I put spare change in. I took most of it to a coin counter at my grocery store the week before Christmas and turned it into an Amazon gift certificate for my husband for Christmas. But first, I took out a lot of the quarters and made a Ziploc of them to take with me to Florida for doing laundry when I'm down there in February. <BR> <BR> Where we use to live, 5+ years ago, I once decided to buy my DH a savings bond each month with the spare... Fri, 7 Jan 2011 10:55:07 EST What are you doing today to work on your goals? In many respects, working on my money goals is boring (or scary). Like cleaning up my house and doing maintenance chores, I pretend I don't notice. But that pretense takes energy! Energy I could be using elsewhere in my life. <BR> <BR> My husband gets a weekly investment newspaper and I use to "read" it, asked him to give it to me after he had finished with it but when I fell last week, he went to hand me his latest and I used not feeling well to pass up that issue. Actually though, I wa... Sun, 2 Jan 2011 11:33:39 EST Hi I am New to the team, not to Spark. I have realized that a lot of my weight gain issues correlate with my financial out of control situations. I am hoping to get BOTH under control and learn more about both too. Wed, 22 Dec 2010 22:52:32 EST Treasure Mapping I just read about this really great idea! <BR> <BR> <link> </link> <BR> <BR> <link><BR>re-mapping.html </link> <BR> <BR> It is a little like making a collage here at SparkPeople but I love the idea of having and name, "treasure map". Fri, 17 Dec 2010 12:43:41 EST Helpful groups? Anybody got good insurance, phone, internet, professional organizations, credit cards, etc. that help them keep their expenses better under control? <BR> <BR> <link> </link> Mon, 11 Oct 2010 08:49:43 EST Day-to-day expenses I just listed all my grocery store and restaurant bills for the last month and found I could save a whopping $500 a month and not feel it if I paid attention; only went out to eat and shop once a week (instead of going to the grocery store when we need one or two things, going without a list and buying 20 :-) <BR> <BR> One big thing I might redo is go back to doing the grocery shopping all by myself instead of my husband and I both going at once. Yes it's nice to have him pushing the cart a... Mon, 13 Sep 2010 17:36:48 EST Taking it with you How do you work with your finances and on your financial goals and interests when you are away from the computer? <BR> <BR> I just bought a "Nook", Barnes and Noble's book reader and am trying to restrain myself from buying a million books to start with :-) I just bought "The Spark" for it and I'm getting ready to put on my shoes and see if I can walk and read at the same time. Wed, 8 Sep 2010 10:53:42 EST Working together Who wants to work on coming up with a 10-25 item grocery list we each go out and buy, compare how much we spent (total and individual items of interest) and what we "do" with the items, what meals or recipes we come up with? <BR> <BR> We can decide to make a list for a single "meal" for 2-4 people? But not what the meal is? LOL Just "Dinner" and have at 10 items that might make a dinner and then people can buy all the items and use as many/as few as they like (can you tell I've been watchi... Sat, 21 Aug 2010 10:33:58 EST Vacations Do you budget money for vacations? <BR> <BR> DH and I will have paid off our credit cards by September and he asked me, "what next?" and I know he hates being up here in snow country in the winter so I'm thinking we could take our RV to Florida and "store" it there at an RV park (about $600 a month) and fly down a couple times a month for 4-5 days at a time? I figure it will cost between $1,000-$2,000 a month (depending on length of time, whether we have to pay for a cat sitter, how often w... Mon, 26 Jul 2010 10:03:49 EST Cars We have two cars that work well and have less than 60,000 miles on each. One is a Ford Explorer with four wheel drive so great for winter use. We don't need two cars anymore; the couple of personal projects we each had have finished so we could use just one car but neither car is right for both of us and neither car is worth any money. <BR> <BR> I was trying to talk my husband Scott into buying a new Chevy Traverse, that would work for both of us but it's $10,000-$15,000 more than what are... Mon, 19 Jul 2010 08:32:48 EST Showing up pledge I realized this morning that I can't very well work on my goals if I don't show up! I pledge to show up in this forum, daily, at least through the end of July 2010. Fri, 16 Jul 2010 10:47:03 EST Passive Money Stream I've decided that's one of my life goals for the next 15 years; I want to write and publish a few books so that by the time I'm 75 I'll have royalties coming in regularly, extra income. <BR> <BR> <link> </link> Fri, 14 May 2010 14:21:27 EST New Spark Financial Site Has everyone gotten their 25 sparkpoints for setting up a budget at the new Spark Savings site? <BR> <BR> <link><BR>vings_home.asp </link> Wed, 28 Apr 2010 12:59:50 EST Financial literacy and investing Hi, <BR> <BR> I have been exploring SparkPeople for a while and finally bought The Spark. Among my goals for the first chapter I put down posting a message. Then I had to find teams that were of interest to me. Yours is among them. <BR> So here is my first contribution. It's a link to an article published in The New York Times regarding women and money, women teaching women about money and so on with an analysis of the reasons why we are not as interested by the matter as men. <BR> Hope you... Tue, 27 Apr 2010 16:52:06 EST SparkSav Hi gang, has anyone spotted this section of SparkPeople? I haven't had a chance to check it out yet, but if any of you use it, can you let us know if it's any good? Looks interesting... <BR> <BR> <link> </link> Tue, 23 Mar 2010 18:09:14 EST Finances, health, and weight loss goals What does how you deal with your finances and your financial goals have to do with how you work here on SparkPeople and your healthy weight, fitness, lifestyle goals? <BR> <BR> I'm reading, The Spark, and it talks about how you work in one area of your life and it influences other areas. Are you seeing that in either your financial influencing your SparkPeople goals or vice versa? <BR> <BR> I'm still not quite getting around to reading and working on my financial goals with my husband and ... Mon, 18 Jan 2010 11:17:10 EST 2010 Money Goals I'm in the process of working harder on understanding my personal finances. My husband pays the bills and does the investing (keeping me updated and asking my opinion) and, because I'm not daily involved, I feel intimidated by his setup. I'm working to become more comfortable with everything so if something happens to him, I could step in and keep our little boat on a steady financial course :-) Wed, 30 Dec 2009 10:24:36 EST Desires Read this interesting article today here at SparkPeople: <BR> <BR> <link><BR>news_detail.asp?health_day=633825 </link> <BR> <BR> I got a wii/Fit last year for Christmas and have used it maybe 4-5 times the whole year! Sun, 20 Dec 2009 12:28:09 EST Quarterly Plan I keep not working on financial worries/subjects, despite allegedly having it as a priority. Recently though I figured out how to break it down so I can work with it easier. <BR> <BR> This month (December 2009) I'm going to work on studying my husband's investments. I'm not going to worry about how money gets into our checking account or what our bills are (the accounting) yet, just how the money gets "made" and how his spreadsheets work and what his thinking is and all about taxes and may... Thu, 3 Dec 2009 13:16:19 EST The Difficulties of Budgeting I still have notebooks I kept from the 1970's-80's when I lived alone and made a budget each month. <BR> <BR> Now, though I'm retired and pretty much have a "fixed" income, my husband does all the finance work, including bill paying and I'm left with a couple credit cards I can use as I wish but with an emotional "don't spend much!" message attached to them. However, the interpretation of what "much" is and what things I buy is left up to me. <BR> <BR> I was using "my" credit cards for all... Sat, 17 Oct 2009 11:50:21 EST Halloween candy Do you have trick-or-treaters? I just bought pumpkin-colored fortune cookies. I'm hoping I won't eat too many of those (as opposed to candy) and, was looking at "making" my own Christmas presents, little, identical boxes with various goodies in them, some better than others so would be fun for kids to choose (as well as adults). <BR> <BR> I normally spend around $700-$1000 for Christmas and this would only cost around $200=$500 and if I started now, I could spread it over the three months ... Tue, 13 Oct 2009 12:03:31 EST Do you spend money on yourself and your health? I bought a $120 blood pressure monitor with computer software and just followed that by getting a $60 pedometer that uses the same software. I'm hoping I can use them together to affect my health. <BR> <BR> I have a wii/Fit too, that I have only used 3-4 times. That was a $300 Christmas combination. Do you spend money on exercise equipment or other things for yourself and get your money's worth or not? Tue, 1 Sep 2009 09:38:55 EST Anyone use I'm going to the Convention in Cincinnati and belong to that team and noticed a member got a room at the Hilton for $50 for the night! <BR> <BR> <link><BR>sageboard_thread.asp?board=0x34029x277<BR>84906 </link> <BR> <BR> I think old Billy Shatner would be proud, LOL. Thu, 27 Aug 2009 15:40:49 EST What are YOUR major purchases? I was struck by either my father arguing with my mother or my husband telling me (see how struck I was, I can't even remember which person pointed it out :-) that money spent on food was not a major part of one's budget. I'd never really thought about it, when I lived alone, I would budget my food money (and then spend more) as I was on a "too small" income. <BR> <BR> But, if you thing about it, rent/mortgage, insurances, utilities, etc. are much larger usually and need to be paid whereas t... Thu, 20 Aug 2009 12:00:21 EST Good websites I came across these today: <BR> <BR> Choose to Save <link> </link> <BR> <BR> What you need to save <link><BR>oung/index.html </link> <BR> <BR> College Planning tools <BR> <link><BR>tstools/index.html </link> <BR> <BR> Millionaire calculator :-) <BR> <link><BR>s/savings_calculators/millionaire_calc<BR>ulator </link> <BR> <BR> Bankrate calcula... Tue, 11 Aug 2009 10:33:31 EST What I spent today I'm going to use my SparkPeople Planner to keep track of the money I spend each day; kind of like we use the nutrition and exercise trackers? I'm just going to make a brief entry at the end of the day when I enter my last food/drink into the nutrition planner of what I bought/spent money on. <BR> <BR> Today we ate brunch out after our doctor's appointment and then my husband took me to the bookstore; he didn't come in, he says he has 7-8 books yet to read and didn't want to even tempt himse... Thu, 6 Aug 2009 15:13:31 EST Chat ~ How you doing? Not just moneywise, but in general :-) <BR> <BR> I have been playing facebook games and was spending too much extra money on them but have slowed that down a whole lot, just allow myself a "treat" on Mondays which also makes that day one to look forward to. <BR> <BR> My husband and I haven't planned anything for this summer so we're not spending anything, really, that's good. We did refinance our house a week or two ago, start the paperwork with our bank who has the mortgage now anyway; wa... Sun, 19 Jul 2009 11:21:24 EST Food saver Does anyone use a food saver, I bought one a while back a while back but I find that I don't use it much. Whenever I tried to vacuum anything that has any amount of liquid, the liquid gets pulled out and it gets messsy. I thought there was a way I was to be able to vacuum seal my leftovers and somehow make frozen lunches. Fri, 10 Jul 2009 12:53:01 EST Home Refinancing Our variable rate isn't up for a year but we just did a deal with our bank since the Government is only holding rates down artificially now and next year they won't be as good. We have to pay $300 more a month but all the closing costs, points, and stuff aren't bad because it's our same lender and they have all that info and don't need "extra" or inspections, etc. They even said closing can be wherever we want, at our home or at a restaurant, LOL. <BR> <BR> But if you have a variable rate,... Tue, 7 Jul 2009 14:33:28 EST How to fill out stock claim forms> class action?? Hey!! Is there anyone who knows how to fill out those forms for making a claim against a company who is declaring chapter 11 or bankruptcy?? I had stock in Hart Marx the clothing company and they went belly up. I am stuck on the form not knowing exactly how to fill it out. Thank you so much if anyone has any advice about this. <em>198</em> Fri, 26 Jun 2009 20:10:39 EST Not feeling deprived while saving Seems to me that money and food have some things in common? I have a couple of lightly expensive items I want to buy but I keep frittering my money away on day-to-day wants? <BR> <BR> I've decided to legitimize one expense so I can have it every Monday :-) A treat, kind of. That will get me spending less AND give me something to look forward to, etc. <BR> <BR> You have any tricks you use to help you save/not spend? Sat, 20 Jun 2009 15:25:12 EST Can, you? Do you can? Is it worth it? I was thinking maybe I should take that up canning as sort of a hobby. I could learn something new, make presents and save money. My coworker cans pepper jelly, thats what she gave out for christmas last year. Tue, 2 Jun 2009 12:29:14 EST $5,000.00 What would you do with it? If it were to be handed to you, how would you use it? I use to play "what I would do with a million" but we tend to not "see" smaller amounts that are in our reach. <BR> <BR> What are you going to do after you pay off all the credit cards and get "organized" in your spending? Saving for a house, school, car, or other big purchase or life stage (retirement) are great but what are some smaller, short-term goals and things you really want? <BR> <BR> Anyone travell... Sat, 16 May 2009 10:25:00 EST Small amounts I got called last Thursday NIGHT to be part of a focus group on Monday morning. They called to confirm, Sunday night, mother's day! Weird. It was a boring thing but paid $125 cash. I didn't have a "plan" for the money so just gave it to my husband to use/apply/whatever. I made around $50 on Saturday at the community yard sale too and just put that in my husband's wallet. Sigh. <BR> <BR> I was talking with a friend who had heard a radio program by a woman researcher who had researched w... Wed, 13 May 2009 09:33:09 EST Debit rewards Does anyone know of debit cards that offer rewards? I currently get cashback rewards from my credit cards but nothing from debit and I was told there is such a thing Wed, 6 May 2009 16:07:05 EST Goal in sight: Now how do I get there? My husband and I have identified out 'next' finacial goal. We found a great town with great schools that we would love to raise our children in. However it does require a larger savings account than we have and the dreaded selling of our current house. We are looking at about a 4-5 year plan... <BR> <BR> Does anyone have any suggests on how we can make our income stretch a little more so we can save 'more' to be able to buy a house? <BR> <BR> My husband and I make ends meet and are able ... Fri, 1 May 2009 00:43:20 EST Birthday, Christmas, other "group"/large presents Do you belong to any clubs so you save before events? <BR> <BR> We're celebrating my grandson's 4th birthday this coming Friday and I would like to get he and 5 year old granddaughter used bikes to ride when they're here at our house; it's flat and we're on a large circle/cul-de-sac at the end of the community where few cars come, would be perfect for them to ride. But we have no space to store the bikes and my husband isn't keen on the idea. <BR> <BR> I keep buying bits of gardening equip... Sun, 26 Apr 2009 11:47:56 EST Planning ahead for summer Anybody doing anything "different" for summer? Planning trips or vacations or different ways to use their money? <BR> <BR> I think we'll be eating lighter and from the barbecue gill most nights. I have to figure out how to grill vegetables this year; I bought a special pan with holes in it for the grill for "loose" things like that. <BR> <BR> We also will be doing some camping out in our RV and boating, etc. I'm thinking of getting a bike or taking kayaking lessons? I don't have a good ... Wed, 22 Apr 2009 10:13:53 EST Think about it Clean out your car trunk. With every hundred pounds of excess weight you remove from your car, you get about half a mile per gallon of gas more. <BR> <BR> Check the net weight. This gives you the exact weight of the item you are buying without the package, can, liquid or any other filler. This allows you to comparison shop. <BR> <BR> Avoid convenience food. The Department of Agriculture comparison tested 158 convenience foods with their home prepared counterparts and proved the home pre... Tue, 17 Mar 2009 08:20:58 EST Game You have $100 to feed yourself for a month (free water :-) what would you buy, down to seasonings and condiments (including oils/margarine, etc.). <BR> <BR> Might be an interesting way to help with weight loss? Eat as well as you can with only limited money/pretend on desert island, etc. One would buy a whole heck of a lot less fast food and snacks :-) <BR> <BR> I think I'll try making a list, maybe go out and get prices for what I think I want, 30 good breakfasts, for sure, 30 lighter di... Sat, 14 Mar 2009 13:05:59 EST How could I save on my phone and internet services I am currently spending $104.00 a month on internet and digital phone service and cell phone. Does anyone have any advice how I can save here? My son is about to start working and wanted me to add him to my verizon plan. Would it be better to do the verizon family plan at 700 minutes for $69.99 and loose the long distance on my local phone and change my internet service? Let me know if anyone has any ideas on this. Sat, 28 Feb 2009 18:44:07 EST Homes as investments I found a house near me I really really like, a 4 bedroom, 2 bath Cape Cod that was repossessed going for half what it's worth! I'm trying to talk my husband into investing in it or a friend to rent it if we were to invest in it, etc. . . <BR> <BR> I have another friend who doesn't drive and her husband's sick (cancer) and they have two children so things are iffy, I found a place today near her husband's place of work, a 3 bedroom, 2 bath brick house on a quarter acre for under $100,000 b... Sat, 28 Feb 2009 16:50:43 EST Taxes? Has everyone started/done theirs? We had a friend come over yesterday; he got ready to do some stuff and his cable went out and it turned out the gardeners at his apartment complex cut it. Oops. A cable guy is scheduled to come tomorrow but he wanted to get his taxes finished and out so brought his stuff to our house and hopped on our network. Sat, 28 Feb 2009 09:17:54 EST Credit Cards What do you use yours for? How are you doing with yours, are they useful or temping? <BR> <BR> We buy almost everything on our credit cards; we have two from the same bank and my husband uses one and I use the other. We each only carry "our" card even though we both have a copy of the other's card in our name so we could use either. I use to use either, would use my husband's when the expense was for both of us (groceries, restaurants, etc.) or large :-) I recently moved all "my" ongoing... Tue, 24 Feb 2009 13:13:29 EST rechargeables Has anyone ever calculated whether or not it is actually cheaper to use rechargeables? The initial charge for the batteries are higher, there is also the cost for the charger and the batteries can only be recharged but so many times, so does it actually save you money? Tue, 17 Feb 2009 11:57:10 EST Money blogs What do you like about reading/studying money? What are you drawn to? <BR> <BR> I found this, a blog of blogs :-) <BR> <BR> <link> </link> Tue, 17 Feb 2009 11:29:22 EST Tithing or charity "And the LORD spake unto Moses, saying, <BR> Thus speak unto the Levites, and say unto them, <BR> When ye take of the children of Israel the tithes which I have given you from them for your inheritance, then ye shall offer up an heave offering of it for the LORD, even a tenth part of the tithe." <BR> <BR> Do you tithe or give to charity? Why/why not? <BR> <BR> My husband and I each select a charity in December (I suspect for income tax purposes). When I was single I use to tithe, now wit... Sun, 15 Feb 2009 13:03:24 EST Dave Ramsey He has a financial advice show on cable. You can see a lot of the full episodes for free at they have a lot of other free tv shows, movies and clips. Wed, 11 Feb 2009 15:30:26 EST Investment Club Anyone want to do kind of a joint coin save/investment project? <BR> <BR> We could each save our change and see if we have $25 by the 4th of July (approximately 6 months); 10 people would mean at least $250 to invest and until then, while we're saving the money we could figure out how to choose an investment and how to make it all work? <BR> <BR> We could use a "text"/base like The National Association of Investors Corporation website: <BR> <BR> <link> Mon, 9 Feb 2009 10:50:59 EST Making money from home Does anyone have a genuine home office and work from home? <BR> <BR> I just uncovered a pamphlet I kept, probably from the 1980's or early 90's from "Jetco" titled, "105 ways to make money at home". I'll do 25 or so at a time, let me know if there's any you're interested in hearing more about and give me the number and I'll write out what they say. <BR> <BR> 1. Children's Trips and Outings <BR> 2. Turn your Hobby into a Business <BR> 3. Car Washing <BR> 4. Car Polishing (that's kind of che... Thu, 5 Feb 2009 09:42:01 EST Money thoughts and feelings We were all raised with various ideas about money? In my house, my stepmother had a small ledger she used to pay the bills, a checkbook/bookkeeping sort of thing and on the cover she taped a greeting card saying she liked, "It's better to be rich and healthy than it is to be poor and sick". My Dad had a Wizard of Id cartoon with the king on his balcony proclaiming, "Remember the Golden Rule!*" and you looked to the bottom for what the asterisk stood for and it said, "He who has the gold, ru... Thu, 5 Feb 2009 09:24:36 EST Financing Education My college, University of Maryland University College, ran a neat page with 10 ways to finance education there. I thought some of them might be transferrable to where you go to school. <BR> <BR> <link><BR>l </link> Tue, 3 Feb 2009 12:34:33 EST Furniture How often do you get new furniture or pieces? What do you do with the old, worn out? <BR> <BR> I have cheap furniture in the living room and the cats have torn it to shreds, literally so I'm thinking to get a new couch/love seat/chair set by summer/as soon as we can sort of afford it. Sun, 1 Feb 2009 11:07:29 EST On accident I spent $90 on dinner last night on accident. I went to dinner with some coworkers to celebrate one coworker's bday, I knew we would split the cost of that person's dinner but upon arrival it appears it was also another coworker's bday also. So I ended up splitting the bill with another and ended up paying $90. I don't absolutely regret it, I just hadn't planned on it. They are both lovely young ladies and the unexpected bday guest just had 4 deaths in her family, so she needed some uplif... Mon, 26 Jan 2009 14:48:44 EST Good books I think we were talking about good books in another thread? What are your favs? <BR> <BR> I just got one out of the library that's an easy read and extremely informative/memorable: <BR> <BR> "Live it Up Without Outliving Your Money: Getting the Most from Your Investments in Retirement", by Paul Merriman. <link><BR>g-Your-Money/dp/0470226501/ </link> <BR> <BR> I like it because it's "simple" and yet surprises sometimes with what it has to say, thin... Thu, 15 Jan 2009 10:45:44 EST 20 healthy foods under $1 Excerpt <BR> <BR> 1. Oats <BR> High in fiber and complex carbohydrates, oats have also been shown to lower cholesterol. And they sure are cheap—a dollar will buy you more than a week’s worth of hearty breakfasts. <BR> <BR> Serving suggestions: Sprinkle with nuts and fruit in the morning, make oatmeal cookies for dessert. <BR> <BR> 2. Eggs <BR> You can get about a half dozen of eggs for a dollar, making them one of the cheapest and most versatile sources of protein. They are also a good s... Thu, 8 Jan 2009 15:52:25 EST Invest in your Spark Teams "Time is Money" and education, etc. The more time you spend on SparkPeople and posting in teams and reading and exploring, the stronger your imagination gets, the better your reading and writing, major communication skills, and the faster the ideas come for ways to profit in other areas, like with money :-) <BR> <BR> Whatever you want for your "money", you can work on it here at SparkPeople. If you want to stop extra spending/keep track of your money you can practice that skill by keeping ... Sun, 4 Jan 2009 09:43:23 EST 2009 Money Goal(s) I just realized I'm drinking too much beer. A single friend comes over to my husband's and my house and I feed us and he and I drink 3-4 beers but I keep drinking even after he's left. It's one thing to spend $12-$15 a month on a couple six packs of beer (we drink different kinds) but I'm probably doing that close to weekly now rather than monthly. I could easily "save" $500 a year and use that for something different. <BR> <BR> So, starting now, I'm going to think of something else I'd r... Sat, 3 Jan 2009 11:41:31 EST Bottled water Are you a die hard committant to the bottle, can you take it or leave it or do you leave it all together? <BR> <BR> As strict as my budget is becoming I still seem to squeeze bottled water onto the list. I feel like I can taste the difference between bottle and tap and I don't like tap. Could all just be my mind playing tricks on me? Tue, 30 Dec 2008 12:18:21 EST New year's resolutions anyone? Did you make for 2008? Did you keep any? <BR> I did save more in 2008 than I have in the past, even with the declining economy. I did not set a $ amt so that is one thing I would change next year <BR> <BR> Making any for 2009? <BR> <BR> I am still trying to finalize my plan for 2009. On one hand I would like to save 10K by dec. 31 2009 but on the other I'd like to take a european vaca that involves some city/island/country hoping that will probably cost about 4k. Doing either or both wo... Fri, 26 Dec 2008 15:09:16 EST Starting Over ... I was doing well on my weight loss in 2007 and I got distracted by school and moreso by life in general. I am trying to jump back on track and I am making a little progress. I guess a little progress is better than making no progress. Being an Army wife, mother-of-3 (including my dog) is hard work. I can't seem to stay focused on the areas of my life that I desire to be focused on the most. <BR> I partly blame my A.D.D. but I am too afraid to get medication for it as it seems that there... Sun, 14 Dec 2008 14:28:16 EST Article of the day 5 ways to stop buying stupid stuff <BR> <link><BR>/get-it-done-5-ways-to-stop-buying-stu<BR>pid-stuff.aspx </link> <BR> <BR> Interesting article from personal finance at Thu, 23 Oct 2008 09:41:52 EST Economy happens Has the state of the economy caused you to change your habits? I feel like I'm being forced to do the same with less, its not the case of course...everything just cost more, gas, groceries, utilities. The state of the economy has caused me to buy less and to cut down on unnecessary travel. My plan when the economy rebounds to continue this way of living, hereby saving more. I'm wondering if thats wishful thinking....any comments? Thu, 16 Oct 2008 16:10:45 EST Real estate rentals Hi I am interested in hearing more about peoples experiences if they have rental properties! I was actually thinking about doing it over the internet in the states since our property prices are so high here in Trinidad however it seems scary doing it all the way from here. So for the time being I would love to hear how you find it if you are a big bad landlord:) Wed, 24 Sep 2008 04:29:24 EST Career Change! Hi everyone! <BR> <BR> I know this is a bit off-topic, but decided to share anyway in hopes that my fellow money watchers could lend me a hand. <BR> <BR> I have decided to embark on a career change into the world of Pharmaceutical Sales. I am currently hitting the job market very hard and am running into some difficulty breaking into this industry. While I do have an excellent proven sales record, it isn't in the medical field - which is what I believe is slowing me down. <BR> <BR> My q... Fri, 5 Sep 2008 21:15:52 EST Credit Report Everyone is entitled to a free credit report one time per year. For a no hassle simple way to get this information, log on to <BR> <BR> I first did this last year after reading an article in Good Housekeeping that mentioned this website as the place you wanted to go for the free report. It worked out very nicely and they even sent me a reminder this year that it was time for my free report again. <BR> <BR> Kim Mon, 25 Aug 2008 23:06:57 EST work at home anybody know any good work at home programs out there. Mon, 25 Aug 2008 16:52:07 EST Put debt into perspective <link><BR>html </link> Fri, 22 Aug 2008 16:03:52 EST credit card debt i got a call from a lawyers office stating that a credit card put a claim against me & i would like to settle this before it goes any futher. any suggestion as to what i can do to make this go smooth Tue, 12 Aug 2008 17:41:33 EST Freecycle Look up freecycle on yahoo groups or google and see if there is a group in your home town. <BR> <BR> It works like this. If you have something you no longer need or want you post it as an OFFER. If there is something you need or wish you had you post it as a WANTED. Members get to see the postings several times a day, so when you see something that someone needs you might contact them to let them know you have it. Conversely, if you see something you'd like, you contact the person making... Thu, 31 Jul 2008 14:01:46 EST Bartering Need car repairs? Want to get your house painted? Need someone to watch your dogs when you are away? The Timebank in your area may well be able to help. Here in my town we have one of the most active timebanks in the USA. This is the concept. One time dollar equals one hour of work, whether you are babysitting or, as an attorney, providing legal advice. I have done administrative work, cooked for people, answered the phones for our community radio station and reprsented our timebank at... Tue, 29 Jul 2008 08:36:45 EST Unsolicited mail I have been receiving a huge amount junk mail and so I started researching how to stop it and found these tips that I thought was helpful. <BR> <BR> If you do send checks to charities, subscribe to magazines or order from catalogs, always indicate that you do not want your name added to any mailing lists. Tell the charities to whom you contribute, "This is my annual contribution. I do not wish to receive any further mailings this year. Do not give my name to any other mailing list. If you fe... Tue, 15 Jul 2008 15:07:01 EST 2008 Money Goal(s) My 2008 money goal is to pay off all credit card debt. I plan to do this by over-paying my credit card bills by every dime available, and by setting up regular, small payments to my credit card on a weekly basis. <BR> <BR> <BR> My 2009 money goal will be to pay off one vehicle and then the other. <BR> <BR> My overall goal is to pay off all "bad debt" (debt on depreciating items) in the order of interest rates. <BR> <BR> <BR> What are everyone else's money goals for 2008 and how do you p... Mon, 14 Jul 2008 09:21:58 EST Sharebuilder? Hi guys, <BR> <BR> It's been a while since I've posted, but I'm back!! I'm wondering if anyone has heard anything about sharebuilder? (good, bad, or otherwise). Sharebuilder is an online "stock market" of sorts and there you can buy, trade, sell stocks for a relatively inexpensive fee. You can invest as little or as much as you want. I'm slightly apprehensive but also eager about investing in the stock market, but was just wondering if anyone has used sharebuilder or heard anything about it.... Sun, 8 Jun 2008 13:27:07 EST hello everone hi im new i would love to get any saving $ advice that i can get. my goals along with losing weight is to start a saving to buy a house, childrens college education & retirement. Sat, 17 May 2008 19:24:08 EST sell your used books Find out how much your old books are worth in case you need some extra cash. <BR> <BR> <link> </link> Tue, 13 May 2008 11:20:36 EST Stimulus Tax Rebate What are you planning to do with your tax rebate? I am not sure if I want to put it in savings or if I want to put it towards debt. 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The coupon was for a free bottle liquid or powder up to $4.50. <BR> <BR> <link><BR>ew/Default.aspx </link> Fri, 18 Apr 2008 14:10:34 EST Tea samples <link><BR>ml </link> Fri, 18 Apr 2008 13:57:04 EST BR 31cents scoop 4/30/08 <link><BR>nt.aspx?cid=723105&jid=4487784&mc=125&<BR>eid=1295455&utm_source=31CSN_Announcem<BR>ent_Email&utm_medium=Email&utm_campaig<BR>n=31CSN_Announcement_Email </link> Fri, 18 Apr 2008 13:51:24 EST Kashi sample Mountain medley sample <BR> <link><BR>/free_sample </link> Tue, 15 Apr 2008 10:00:46 EST Icy Hot Patch sample <link><BR>dercontent_ektid40414.aspx </link> Tue, 15 Apr 2008 09:59:16 EST Free sample Carress body wash <link> </link> Fri, 11 Apr 2008 08:59:45 EST 10 ways to make your money online 10 New Ways to Make Money Online <BR> February 22nd, 2007 (1:40pm) Anne Zelenka <BR> <link><BR>-ways-to-make-money-online/ </link> <BR> <BR> So you want to ditch your corporate cubicle and join the ranks of web workers? But you have a mortgage, maybe a dependent or two, and a taste for Venti Mochas from Starbucks? You can make money in the new economy, though it might not be as easy or cushy as keeping your old economy job. <BR> <BR> I’m not talking a... Thu, 10 Apr 2008 13:43:58 EST Extra cash in your spare time More Money: 5 Ways to Earn Extra Cash in Your Spare Time <BR> Thursday, 10th May 2007 (by J.D.) <BR> This article is about Career, Entrepreneurship, Odds and Ends <BR> <BR> <BR> Get a second job <BR> A second job can be an excellent way to earn extra money if you have the time and energy. Why have a second job? <BR> <BR> To pay off your debt <BR> To build up your savings <BR> To get more experience <BR> To ease into a career transition <BR> Real-life example: In 2000, I took a seco... Thu, 10 Apr 2008 13:42:31 EST Walmart free samples <link><BR>s.aspx </link> <BR> <BR> Mon, 7 Apr 2008 10:20:36 EST Turbo Tax Has anybody tried this? Not sure if I should give it a try and I'm running out of time! H&R is just so expensive these days. Any suggestions? Tue, 1 Apr 2008 07:42:07 EST free samples Gold bond ultimate <BR> <link><BR>dercontent_ektid30830.aspx </link> Fri, 28 Mar 2008 12:32:34 EST free campbell's stockpot soup<BR>anner.asp Tue, 25 Mar 2008 10:49:21 EST Consider lower your interest rate The feds have been dropping rates for the last couple months to jumpstart the economy, take advantage and assure that you're getting the best interest rate possible on your credit cards, call them up and request a lower rate! <BR> <BR> Tip on Lowering Your Credit Card Rate With One Call <BR> It could take as little effort as one phone call to lower your credit card interest rate, according to Curtis Arnold, of, a site that lists the best credit card offers currently available... Tue, 25 Mar 2008 10:39:49 EST Free samples Colgate advance whitening from walmart <BR> <link><BR>dercontent_ektid30684.aspx </link> <BR> <BR> Vaseline Intensive Rescue <BR> <link><BR>dercontent_ektid30862.aspx </link> <BR> <BR> Orbit Fruit flavored gum <BR> <link><BR>8680?sud=11596 </link> Mon, 24 Mar 2008 13:59:57 EST Free dove deoderant sample <link><BR>rce=marddo_s1 </link> Mon, 24 Mar 2008 13:58:05 EST printable coupons<BR>table_coupon.php#food Mon, 24 Mar 2008 13:52:44 EST Avoid tax return screw-ups TAX GUIDE <BR> 7 Tax Return Screw-Ups to Avoid <BR> Updated on January 9, 2008. <BR> AFTER DEC. 31, there's nothing you can do to affect your taxes for the year that just passed, right? Not so. There are countless things you can do before you file to screw up your return. We're talking about the stupid filing blunders that can increase your tax bill, raise the odds of unwanted IRS attention, or cost you if you get audited. Leaving aside obvious ones, such as forgetting to sign your return, h... Thu, 6 Mar 2008 16:16:12 EST Fool Yourself Fool yourself into saving smarter <BR> Four ways to make sure your best intentions aren't thwarted by the temptation to spend money now. <BR> By Walter Updegrave, Money Magazine senior editor <BR> February 27 2008: 9:22 AM EST <BR> <BR> When it comes to saving, the spirit is willing but the flesh is weak. A recent TD Ameritrade survey shows that 40% of people who make New Year's resolutions cite saving more money as a goal. <BR> <BR> However, the same poll also found that nearly half of th... Tue, 4 Mar 2008 11:29:16 EST team leader Would anyone like to volunteer to be the team leader? I am not able to as active as I once was on this site and I would really appreciate it if someone could take over the elm or even co-lead. Please let me know. Thanks. Mon, 25 Feb 2008 09:08:13 EST Get serious about ... Budget Stretcher <BR> (featured column) <BR> <BR> Get Serious About Your Money <BR> by Terry Rigg <BR> <BR> What is the most important aspect of getting your finances in order? In past articles I've written about how important discipline, organization and sacrifice are to solving your money problems, but this all comes later. <BR> <BR> For years I would write my bills down, figure my income and subtract the bills from my paycheck to see what was left. It was a real good start but by payda... Fri, 8 Feb 2008 14:02:26 EST Financial Spring Cleaning Credit Wise <BR> (featured column) <BR> <BR> Financial Spring Cleaning <BR> by Jennifer Delcamp <BR> <BR> Tulips are beginning to poke their heads up through the soil. Fruit trees are performing their best flower show. Birds are chirping and the auburn sunset gets later every day. Spring is in the air. For many, this also means that it’s time for some spring cleaning around the house. Why not expand that “out-with-the-old, in-with-the-new” mentality to your money? <BR> <BR> * * * <BR... Tue, 29 Jan 2008 09:31:55 EST How much should I put down? How Much Should I Put Down? <BR> by Diane St James <BR> <BR> There are always those who feel more comfortable putting 10% or 20% down for the security of knowing they have some equity in their home. I'd rather see a nice pot of money worth perhaps 10%-15% more at the end of 7-10 years. <BR> * * * <BR> <BR> Want to buy a house but don't know how much to put down and how much to mortgage? This usually isn't a problem for most of us who are wondering if we will have enough to even cover c... Mon, 28 Jan 2008 14:47:28 EST But It's only $18 a Month I liked this article and thought I'd share; eventhough I haven't given up my cellphone this article did give me perspective on the things I did decide to give up. <BR> <BR> Living a Better Life <BR> (featured column... from the editor's desk) <BR> <BR> But It's only $18 a Month <BR> by Michelle Jones <BR> <BR> Short term thinking like this can be a real budget buster, so let's do the math on a few of these *small* added monthly expenses. <BR> <BR> * * * <BR> <BR> Just $18.00. That’s h... Mon, 28 Jan 2008 14:35:21 EST Grocery Shopping Do you spend extra for the name brands? Tue, 22 Jan 2008 10:54:29 EST New Hi I am Destiny and I am new. I am looking forward to change and a new lifestyle. Thu, 17 Jan 2008 10:56:16 EST How is it going? Upholding your new year's saving/budget resolutions? Thu, 17 Jan 2008 09:16:52 EST New Year - Progress Well, I can't believe it's already 2008. One of the goals we set as a family was to be more dillegent about taking pictures and preserving memories. I can't stand paying for prints though. So I went to ebay and bought some prepaid print credits at I bought 2,000 credits! And they were only 1.2 cents per print! Just wanted to pass that info along. Try ebay for credits if you use those online photo places. <BR> <BR> So far this year I have opened a savings account for my k... Thu, 3 Jan 2008 16:53:21 EST Tips for a Budget-friendly wedding?? Hey all, <BR> <BR> I am recently engaged and my fiance' and I have been hashing out a budget, looking into venues, etc but would truly appreciate any cost effective tips you all may have. <BR> <BR> Thank you! Sun, 30 Dec 2007 10:07:33 EST GREETINGS EVERYONE!! HELLO! <BR> MY NAME IS ELAINE. I ACTUALLY JOINED THIS TEAM ABOUT TWO WEEKS AGO AND ASHAMEDLY HAVE NOT STOPPED IN TO SAY HI. THE REASON WHY I JOINED THIS TEAM SPECIFICALLY IS BECAUSE OF MY TOTAL LACK OF WISDOM AND RESPONSIBLITY REGARDING MONEY. COMPULSIVE SPENDING, NOT SAVING, AND FAILING TO PLAN HAVE LEFT ME IN A VERY BAD FINANCIAL STATE....I AM BROKE!!, BUT THAT'S OKAY BECAUSE IF ME HAVING TO BE HERE IS WHAT IT TOOK TO GET ME TO OPEN MY EYES, THEN SO BE IT. MY PRIMARY GOAL IS TO BECOME WISE ... Sun, 23 Dec 2007 00:38:48 EST Your best money tip A new year brings new resolves, new resolutions. Myself, as well as countless others, will be resolving to get a better handle on money matters, so give us your best money tip. A tid bit or two to help us through. Thu, 13 Dec 2007 09:07:24 EST 2008 Financial Goals Just figured it would be good to get the ball rolling on this and share ideas. <BR> <BR> I am so not money savvy at all. My husband always yells at me that I spend way to much money. When I was younger I got in some serious credit card debt. Fortunately I was able to get myself out of it though. <BR> <BR> For 2008 I have decided to become more financially savvy and responsible. I committed to reading one money article a day and to seriously curb my spending habits. Also, I want to open... Fri, 7 Dec 2007 12:11:51 EST Five Ways to Save Five Major Ways to Save Money <BR> by Paul Davis <BR> There are two main roads to improving your personal finances: increasing income, and cutting costs. Increasing income is the harder road to travel. After all, you can't always get a raise or a new job when you need one. But cutting costs, that's a different story! You're in complete control in this area. And all it takes is some imagination and discipline-both of which are free. Below are five major ways to save money in the basic areas o... Thu, 6 Dec 2007 15:47:31 EST Financial Freedom is the GOAL! Hello All! Great to be part of the group! I began as a teacher and coach and decided after my mom passed away at the age of 45 that life is too short to have someone else controlling my time. So, I have done many things to increase my finances including rental properties, Roth IRA's, Stock and a Home Based Business. I quit my "9-5 job" last year at the age of 28 and now I am working towards bringing my husband home with me!!! I am looking forward to learning from you all! <BR> <BR> AJ Sat, 1 Dec 2007 15:04:18 EST Money Tips: Budget Motivation 5 Proven Steps To Budget Motivation <BR> <BR> If you ever wanted to get ahead financially... if you ever thought you wanted to get out from under a sea of debt... if you ever wondered where the money went... YOU NEED A BUDGET! But how do you develop a good budget and how do you stick with it? <BR> <BR> Developing a Workable Budget Review your last 12 months of check registers. If you find any cash withdrawals without an explanation other than "miscellaneous", you must record all cash transa... Thu, 15 Nov 2007 15:31:11 EST Gap : FRIENDS & FAMILY GOOD MORNING, <BR> <BR> I have a PT Job at the gap and wanted to share my discount with you. Our Friends & Family starts thursday 15 - sunday 18th. Use this code online to save 30% S3CL55DFN1JX <BR> <BR> Happy Shopping! Mon, 12 Nov 2007 10:58:55 EST Holiday Shopping? Are you shopping? Have you started? Did you plan for it? Fri, 9 Nov 2007 11:57:11 EST How to finance a new car <link><BR>nal-finance/18444 </link> Wed, 7 Nov 2007 08:31:40 EST Financial Icon Is there anyone you strive to be like financially? Why? Wed, 7 Nov 2007 08:19:58 EST November Wheel Savings Challenge Let's see how much we can put into that savings jar using the SP Wheel Points! <em>104</em> <BR> <BR> 1 point today. <BR> November Savings: $1 Thu, 1 Nov 2007 08:24:30 EST Qualifications Checklist Your Path to Homeownership <BR><BR>eck.asp?Section=YPTH <BR> <BR> Qualifications Checklist <BR> This section gives you a better understanding of what information is used to determine your ability to qualify for a loan. <BR> ... Lenders will review your income, debt, and savings information to determine how much money they are willing to lend you towards your home purchase. <BR> Based on your lifestyle and needs, consider how much you are willing to ... Tue, 30 Oct 2007 14:51:18 EST Past Due Mortgage help $5000 grant Pay mortgage payments in full <BR> By Steve Bucci • <BR> <BR> Dear Debt Adviser, I left active duty in the Marine Corps about seven months ago and got behind on my mortgage payments. I found a new job and am able to make the payments and some extra, but the mortgage company will not accept partial payment. They sent me an agreement stating I had to pay $1,400 by Oct. 18 and then $1,900 for four more months until my regular mortgage of $901 is caught up. They also stated all of t... Mon, 29 Oct 2007 14:23:24 EST Money Mgmt tip #14 - Avoid Holiday Debt Money Sense: Avoid Holiday Debt <BR> Make a list and check it twice <BR> by Alfred Edmond Jr., Black Enterprise Editor-in-Chief October 18, 2007 <BR> <BR> Each year, too many of us spend the first 11 months of the year boosting our savings, eliminating debt, and improving our credit scores—only to blow it all in an orgy of mindless holiday spending at the end of the year—leaving us in a deeper financial hole each year, and depressed and discouraged about our ability to ever break the cycle a... Tue, 23 Oct 2007 13:26:33 EST Why Money tips don't make us rich Why Do We Read and Follow Money Tips But Never Become Rich? <BR> <BR> Like you, I read many articles about personal finance. More often than not, there will be tips embedded in these paragraphs that talk about how we can save and earn more money. The article will say something like “do this and you will become rich.” Some of this article may be from someone you trust; while others make so much sense that you ought to try them. Some of these articles are so persuasive that you might even drea... Mon, 22 Oct 2007 14:14:38 EST How much is your time worth<BR>/n_time/main.asp <BR> <BR> • Thinking in percentage rather than absolute terms: While you might not drive 30 minutes across town to get $5 off a $200 DVD player, you might make the trip to get $5 off a $15 DVD, because you think one-third off is a terrific bargain. But in absolute terms, $5 is still just $5. <BR> <BR> • The moral outrage factor: You spend an hour contesting a $3 mistake on your cell phone bill. <BR> <BR> • The procrastination... Mon, 22 Oct 2007 14:10:08 EST Preparing for homeownership Buying a Home: Preparing for Home Ownership <BR> By Hilary Basile <BR> <BR> Home ownership is the second biggest financial commitment most people ever make – the biggest being children. Home ownership has great benefits as well as heavy responsibilities. Following are items to consider when taking the plunge into home ownership. <BR> <BR> Plan to Stay Put <BR> Home ownership is probably not the best option for you if you can’t commit to remaining in one place for 3 to 4 years. Given the tra... Thu, 18 Oct 2007 13:47:48 EST Money Mgmt Tip #13 - Analyze your finances Personal Finance - Time to Analyze Your Finances <BR> By Hilary Basile <BR> <BR> Time to analyze your finances? Start with your net worth, or where you stand financially. To do this, create two columns with your assets on one side and your liabilities on the other. <BR> <BR> Assets <BR> Assets consist of anything with economic value, especially that which could be converted to cash such as real estate (the total value of your home), the balances in your savings and money market accounts, ... Thu, 18 Oct 2007 13:42:20 EST Automatic Millionaire Forgive me if this has already been discussed (this is a big site), but has anyone read the "Automatic Millionaire" by David Bach? I'm reading it right now, and it's pretty interesting. The key concept is to pay yourself first (automatic withdrawl into an RRSP from your paycheck). I'm just wondering what anyone else thought of it. Wed, 17 Oct 2007 09:50:31 EST Money Mgmt Tip #12 Neither a Borrower nor a Lender Debt Management Tips <BR> Of course, the best debt management tips are never to incur any debt. <BR> <BR> Shakespeare said, “Neither a borrower nor a lender be,” but then, William didn’t live in this plastic millennium. Today, few of us have ready cash available to buy a house, a car, appliances, a new computer, or any of the items that are an integral part of our lives. So, we become borrowers through bank loans, student loans, finance companies, and credit cards. Then we face the problem ... Tue, 16 Oct 2007 11:20:19 EST Hi! I'm New Hey, I am new to the team! I'm glad to know this team exists. I am interested in possibly starting a home business and getting my savings in order. Although I'm not in any real debt, I'm a firm believer in "it's not what you make, it's what you save". I haven't been able to save as much as I'd like, and that's put me a little behind. I don't want to still be working at 60, so I'm hoping to learn how to invest better and be motivated to put away more. Fri, 5 Oct 2007 13:08:58 EST Management Tip #11 How to Buy Nothing How to Buy Nothing <BR> Were self-checkouts invented so nobody has to see the useless junk you buy? <BR> <BR> In O. Henry's classic Christmas story The Gift of the Magi, Della Young sells her most prized possession, her long, beautiful hair, in order to buy her husband, Jim, a Christmas present. The present she chooses is a chain for Jim's heirloom pocket watch, the only valuable thing he owns. When she presents her gift to Jim, she discovers that he has sold his watch in order to buy a set ... Fri, 5 Oct 2007 11:57:16 EST Gym Membership Do you pay for it? Is it worth it? Thu, 4 Oct 2007 11:32:45 EST Money Management Tip #11 Get out of Debt Don't consider debt consolidation or consumer credit counseling agencies your first stop. These should be a last resort! Although they may be tempting, if you're going to get your act together, doing it on your own will help you learn the skills you need to fix your own problem and avoid getting in this situation again. <BR> <BR> If creditors are hounding you, and you have grown fearful of answering your phone or reading your mail, stop and take a deep breath. You are okay. You will be okay... Thu, 4 Oct 2007 10:19:04 EST Money Management Tip #10 Don'ts Warning <BR> Never loan cash you cannot afford to lose. <BR> <BR> Never borrow money that you cannot repay. <BR> <BR> Do not go out "window shopping" with any money on you. You will only be tempted to spend money you cannot afford to lose. Shop instead, only to a predetermined shopping list. <BR> <BR> When window shopping, learn how to talk yourself out of buying. Nitpick and scrutinize to get past your first impression of a tempting item. In very tempting situations, give it a whole da... Thu, 4 Oct 2007 10:12:48 EST Money Management Tip #9 Minutes to Riches 2 Double-check your taxes <BR> Time it takes: 35 minutes <BR> Next April remember this: Before you seal the envelope or tap the key that whisks your return to the IRS, spend 35 minutes looking for easy-to-spot errors. Overlook a dependent (the one at college may count) and you could owe an extra $1,000 in taxes. Transpose your Social Security number and your refund may never arrive. Did you sign your return? <BR> <BR> Keep more of your paycheck <BR> Time it takes: 30 minutes <BR> A genero... Tue, 2 Oct 2007 09:51:09 EST Money Management Tip #7 Minutes to Riches 1 Money Magazine's 35th anniversary <BR> 35 minutes to riches <BR> It's Money Magazine's 35th anniversary. In its honor, here are 47 smart ways to get on track to a rich life. <BR> By Asa Fitch, Amanda Gengler, Josh Hyatt and Ismat Sarah Mangla <BR> <BR> Find out your credit score <BR> Time it takes: 7 minutes <BR> Know how lenders see you. Take seven minutes to download a free credit report at (For year-round monitoring, get a report from one of the three major cre... Mon, 1 Oct 2007 11:15:35 EST October Wheel Savings Challenge Hi, <BR> <BR> Let's use that wheel to put some dollars in the savings jar! <BR> <BR> 4 points today. <BR> October Savings: $4 Mon, 1 Oct 2007 09:02:44 EST Money Tip #8 Bag to Save Big Bucks SAVING MONEY TIPS <BR><BR>ucks.asp <BR> <BR> BAG TO SAVE BIG BUCKS - TIPS FOR SAVING MONEY <BR> <BR> First, keep a log of your spending for two weeks or a month. Record every penny you spend, and where. Include vending machines, coffee shops, grocery and department stores. <BR> <BR> If you have been wondering how you can beef up your savings, it’s a sure bet that your log will give you some insight. <BR> Many of us spend without a plan. We pull m... Tue, 25 Sep 2007 15:21:34 EST Money Tip #6 Money Drain <BR> Top 10 money drains <BR> By <BR> <BR> <BR> It's easy to fritter away money on daily expenses. If you fall into these money traps, learn to avoid them and pocket the savings. Use Bankrate's Simple savings calculator to see how quickly your money piles up with interest. <BR> <BR> 1. Coffee -- According to the National Coffee Association, the average price for brewed coffee is $1.38. There are roughly 260 weekdays per year, so buying one coffee every weekday morning costs ... Fri, 21 Sep 2007 15:15:40 EST fixing bad credit My credit is bad due to previous marriage. Does anyone know of the steps to make to fix my credit and to raise my beacon score. If so, how long will it take to have decent credit again? <BR> <BR> Thanks, <BR> <BR> Deboriah Thu, 20 Sep 2007 16:33:26 EST Money Tip #5 Save Money To start saving money, stop acquiring more debt — it's that simple and that hard. Here are some tips to help you stop spending more than you earn. <BR> <BR> Don't carry credit cards unless you intend to use them. Leave them at home or freeze them in a container of water. Frozen credit cards will allow you a "cooling off" period to contemplate whether you need a wanted item while the water melts. (Never use the microwave to thaw a credit card!) <BR> <BR> Make lists when you need to shop an... Thu, 20 Sep 2007 11:43:28 EST One thing What is one thing you would do if money was not a factor? Thu, 20 Sep 2007 11:00:44 EST If you won the lottery . . . What would you do with the money? Wed, 19 Sep 2007 13:17:34 EST Money Tip #4 Gain Control Gain Control of Your Finances in Five Easy Steps <BR> By following these five easy steps, recommended by the Illinois CPA Society, you can gain control of your finances before year end. <BR> <BR> ASSESS <BR> The first step is to assess your current financial situation. Start by calculating your net worth. List all your assets (what you own) and all your liabilities (what you owe). If your assets exceed your liabilities, you have a positive net worth. If you have more liabilities than assets,... Wed, 19 Sep 2007 10:03:11 EST Money Tip #3 Lose Weight Gain Money 10 Ways to Lose Weight and Gain Money <BR> by Jill Cooper <BR> <BR> 1. Eat smaller portions. The less food you eat, the less food you have to buy which means the less money you spend on food. <BR> <BR> 2. Walk more. I have a grocery store 2 1/2 blocks from me. Shame on me for driving there especially when I only need one or two items. I can't even use being in a hurry as an excuse because it takes me the same amount of time to walk as to drive. Stop complaining about gas prices and start wa... Tue, 18 Sep 2007 12:33:32 EST Money Savings tip of the day #2 Money Saving Tips & Ideas <BR> Building a savings can mean the difference between sink and swim in money management. However, sometimes finding money to save is like trying to walk on water. <BR> Ben Franklin said, “A penny saved is a penny earned.” Here are few money saving tips that help cut expenses and add cash to your coffers. <BR> <BR> <BR> Here’s another old adage – “One man’s trash is another man’s treasure.” Before you decide to trash something, find out if it has value. Sell it ... Mon, 17 Sep 2007 14:15:49 EST Fat, Broke & Lonely No More Fat, Broke & Lonely No More <BR> Original Air Date: September 17, 2007 <BR> <BR> <BR> Are you struggling with your weight, your finances and your love life? If so, you're not alone, says Victoria Moran, author of Fat, Broke & Lonely No More: Your Personal Solution to Overeating, Overspending, and Looking for Love in All the Wrong Places. Jean talks with Victoria about steps you can take to improve these important areas of your life. <BR> <BR> Victoria says that there can be a connection b... Mon, 17 Sep 2007 14:10:09 EST What's your Side Hussle! "Monthly: Essence Mag" Do you have a part time job or a Business on the side? Sat, 15 Sep 2007 13:55:21 EST Money tip of the day The top 25 money tips of all time <BR> Julie Cazzin and Ian McGugan <BR> <BR> From the June 2004 issue of MoneySense magazine <BR> How you spend it is more important than how you invest it. <BR> Most people equate brilliant money management with great investing and spectacular stock tips. But that's misleading. Not only is it next to impossible for the average person to outwit the professionals on Bay Street, but all the brilliant investments in the world won't build your wealth by a cent if... Fri, 14 Sep 2007 16:27:31 EST First Time Home Buyers Hi everyone! <BR> <BR> I'm glad I found this team. I need some advice for first time home buying options. We have good credit but not much of a down payment. I've been researching first time assistance programs but haven't found anything yet. Any suggestions? <BR> <BR> Linda Mon, 3 Sep 2007 08:36:31 EST Glad to Be A Newbie Hi <BR> <BR> My name is Cathy and I am looking forward to acheiving two goals- Loosing Weight and Saving Money. I am open to advice,support and suggestions. Sun, 2 Sep 2007 17:59:04 EST September spend fast and daily spending Does anyone want to keep track of their daily spending for september Sat, 1 Sep 2007 22:07:33 EST September Wheel Points Challenge I got a 1 today on the wheel. <BR> <BR> Total September Savings: $1 <BR> Sat, 1 Sep 2007 14:44:34 EST Charities Do you donate? Which ones? If not why? <BR> <BR> I donate $ to Children's Hospital, American Diabetes Association and Make-A-Wish . . . sometimes Susan G. Komen Breast Cancer Foundation. <BR> <BR> I donate clothes etc to salvation army or purple heart Tue, 28 Aug 2007 15:49:27 EST August Overview I am going to be out of town until Sept. 4th so I just wanted to summarize my spending/saving for the month of August. <BR> <BR> My spending decreased significantly, so much so that I keep checking to see if I forgot to pay a bill somewhere. I am in denial, I refuse to believe that I have been wasting so much money in the past. <BR> <BR> In August I paid for two extra things (my car registration $138, my flight $150) and I still had close to $300 in my account that normally I wouldn't have... Tue, 28 Aug 2007 09:14:30 EST Todays Spending $ 1.35 Coffee <BR> $ 1.65 Coffee Mon, 27 Aug 2007 14:42:26 EST Glad I have emergency savings! My car needs a new transmission. While it hurts to be pulling out big time $$, it is nice to know that the money is actually there and I don't have to borrow to do it! Thank goodness for emergency savings! <BR> <BR> Shani Mon, 20 Aug 2007 10:54:27 EST LLC have you started one? If so, how would you rate the degree of difficulty? Thu, 9 Aug 2007 11:51:16 EST Hi! Middle School Math Teacher from NYC!! Hi. Just want to introduce myself to the team. I have been teaching for 22 years and am not the Math Facilitator for a K-8 school. I have so many things I want to do, and most of them require money. I am looking forward to getting (and perhaps giving) creative ideas for saving money........God knows I need to!! Hope everyone is having a great day!!! <em>213</em> Sun, 5 Aug 2007 16:46:08 EST lower lumbar strain I strained my lower back a few days ago and have been on house arrest hmm bedrest for a couple days. I'll be held up for the next couple days. You all have fun keep saving stop spending. Here comes the warden gotta run. Sun, 5 Aug 2007 10:27:02 EST Introduction I am new to this site. I have weight and money problems...i can't loose enough weight and can't save enough money. Need help with both. Thu, 2 Aug 2007 16:57:18 EST Creative Saving Ideas? Hi, I joined Spark last month and recently found your Team. <BR> <BR> I have a suggestion for saving. SparkPeople helps us save on calories and lose weight. How about letting them (indirectly) help us save money? <BR> <BR> My idea is that for every SparkPoint you earn you can put a fixed amount in a jar. Example, for every SparkPoint you earn you can put 20 cents in the jar and for every cardio minute you can give yourself 25 cents. Perhaps you can add bonus coins for glasses of water or fr... Thu, 2 Aug 2007 12:00:01 EST Coupon train Have you ever heard of it or do you know anyone who has done one? I'm not sure if it would be beneficial. From what I read its where one person starts by placing coupons they don't need in an envelop and mailing it to someone and that person takes what they need, adds more to the envelop and mails it to someone else. Wed, 1 Aug 2007 15:01:19 EST Money Challenge Does anyone keep a money journal? <BR> <BR> Years ago, I kept a money journal for awhile and I found my self spending less, because I did not want to write anymore. I also found myself returning alot, because at the end of the day I relized I did not need it. <BR> <BR> So, I challenging myself to keep a money journal for August, September, and October. <BR> <BR> With a money journal you must write EVERYTHING down (even when you are at the register and help someone out with 2 pennies, write... Mon, 30 Jul 2007 21:07:54 EST Emergency Savings Fund Well, we had a family emergency over the weekend, and it's costing us $300. THANK goodness I started an emergency fund! It only had $350 in it, but it was enough to cover this time. I'll be building it back up with every extra penny I find. <BR> <BR> I don't know what we would have done without it! Praise the Lord, I'm blessed! Mon, 30 Jul 2007 13:49:20 EST August Spending Fast Cutting back to the bare necessities. Mon, 30 Jul 2007 11:34:09 EST Creating a budget and sticking to it????? I need some suggestions on creating a budget and sticking to it. I saw somewhere-an envelope thingy, that I want to give a try. <BR> <BR> Hubby and I filled bannkruptcy a few years ago and lost our 1st home to foreclosure. We purchased our second home 2 years ago w/an arm. We make decent money, but I feel us slipping and I don't want to find myself in the same situation again. <BR> <BR> I have already cut up one of my credit cards. And I think I am going to put my bank card in the safe... Tue, 24 Jul 2007 13:40:48 EST Dave Ramsey Good Afternoon All, <BR> <BR> I was on a recent thread and someone mentioned following Dave Ramsey's Plan. I just purchased the book "The Total Money Makeover", did anyone else buy this, if you are following his plan how is it working for you so far? <BR> <BR> Thanks for any responses, <BR> <BR> cheryl Tue, 24 Jul 2007 12:46:15 EST Save on dry cleaning Does anyone have any ideas how I can save money on my drycleaning bill? Tue, 24 Jul 2007 09:39:04 EST Spending fast I am going on a spending fast. For the month of August I will only buy the bare necessities. No extras, absolutely no dvds, no books, no clothes. Basically, food and gas. I think those are the bare necessities. I don't even know what the bare necessities are any more. Tue, 24 Jul 2007 08:42:15 EST Welcome! Just wanted to welcome everyone to the team and encourage all to start threads, make suggestions and ask questions. <BR> Simone <BR> <BR> <BR> <BR> Capital as such is not evil; it is its wrong use that is evil. Capital in some form or other will always be needed. <BR> Mohandas K. Gandhi Mon, 23 Jul 2007 13:45:14 EST Frugal <BR> If you have to shop, check this site before you leave the house. Mon, 23 Jul 2007 13:36:16 EST Suggestions I have only been at Spark People for about 2 months now so I'm pretty much new to everything. If you have any suggestions for the team please post here or email me. Thanks. Mon, 23 Jul 2007 08:17:08 EST Ways to make free money online. I like to try new ideas for making money online for free. e.g Treasure trooper, My Points and clixsense. Are there any others? Thu, 19 Jul 2007 11:48:45 EST Problems saving I had problems saving so I signed up for this thing with my credit union called A Pot of Gold. It has three different levels I signed up for the one that has them taking about 150 out of my check per month and after 5 years I'll have $10,000. The money is taken before I get my check so that helps me a lot, out of sight out of mind. Thu, 19 Jul 2007 08:55:19 EST House flipping, Real Estate I am very interested in getting into this market. Does anyone flip houses or sell real estate? Can you provide any tips or advice? I would really like to do an apprenticeship alongside someone who flips houses. Any suggestions? Wed, 18 Jul 2007 13:38:01 EST Different Financial Plans? I am currently following the Dave Ramsey plan. It's the same as others of course, but he specifies the order in which to pay things off, what to start saving for first, etc. <BR> <BR> I also use the Tightwad Gazette as a guideline for being frugal. <BR> <BR> I was just curious what, if any, specific plans everyone is following. Wed, 18 Jul 2007 13:20:33 EST Homeowners & Repairs Hi, <BR> <BR> I've owned my home for a little over 3 years and it's a fairly old home and as such I have repairs that I need to do, plus I'd like to make the house fit my style. I'm wondering if there are any do-it-yourselfers out there and if you have any resources that you use. I'm particularly looking to clean and re-stain my deck. Any ideas? Wed, 18 Jul 2007 13:03:12 EST Hi, I'm new here Just joined your group. I think I am really going to enjoy it here. Wed, 18 Jul 2007 12:05:53 EST Hi, Just joined, Hi I'm J'quista and thanks for starting this team! Parents don't explain the importance of money/credit to their children. I'm looking forward to learning and then passing the infomation on to my children so that they can make better choices then I did. Wed, 18 Jul 2007 11:14:30 EST Financial empowerment Black enterprise July 2007 Issue <BR> Page 75 <BR> Declaration of Financial Empowerment <BR> 1. I will use homeownership as a foundation for building wealth <BR> 2. I will be proactive in managing my budget, credit, debt, and tax obligations <BR> 3. I will maximize my earnings potential, live within my means, and commit to saving and investing at least 10% of my income <BR> 4. I will ensure that my investments are properly diversified and correspond to my current financial goals <BR> 5. I... Wed, 18 Jul 2007 10:26:12 EST Making Money online Are there any great ways to make money online for free? Wed, 18 Jul 2007 09:52:27 EST Hey Hi my name is Joyann. I live in Barbados and I think this team will be great. I need lots of help with money issues. I budget but my money always runs out. So I need all the hlp I can get. Wed, 18 Jul 2007 09:51:27 EST Contributions Hey ladies (I guess we're the three musketeers!), <BR> <BR> I was just wondering if you all make contributions either through work or not to retirement funds, CD's, stocks, etc. If so, I'm curious to know how well versed you are w/those things because I'd love to know more about that. I currently have I believe what is classified as a 401b? and it is through my job and the way it works is I put in a certain percentage (1% but it could be higher) and my employer doubles that (2%). I get quart... Tue, 17 Jul 2007 18:03:12 EST Credit Monitoring It's good to have one. Just in case. Tue, 17 Jul 2007 16:56:33 EST Credit The three bureaus <BR> <BR> <BR> experian 888-397-3742 <BR> <BR> <BR> trans union 800-888-4213 <BR> <BR> <BR> equifax 800-685-1111 Tue, 17 Jul 2007 16:10:04 EST To do more with less Money can't buy happiness but it sure can make you comfortable. My parents never talked to me about money, I don't think its because they didn't want to but because they don't have the background to. I have decided to learn all that I can about everything financial so that I can get myself out of debt, do better for myself and be on the path to retiring early and meanwhile enjoy all that life has to offer. Tue, 17 Jul 2007 16:03:40 EST