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Posts tagged with: library

Are You Throwing Away Money???

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Happy Saturday!

For the first time in a looooong time, hubs has the whole weekend off! Wahoo!!! We’ll have to split the weekend up into some relaxation, some family time, and some WORK! Generally, its tough to get a lot of work done on weekends since I’ve got the girls. But I’ll probably sneak away to the library (or even just our room) for a couple hours at some point to try to get some things accomplished. I have deadlines on Monday morning for my research job and I’ve gotten into a terrible habit of staying up super late every.single.Sunday.night to try to get everything done. Here’s to finishing up my work during daytime hours this weekend!

And, just for fun, I came across this article I wanted to share, 11 Ways You Didn’t Realize You Were Throwing Away Money.

Are you guilty of any of these?

While I avoid most of these traps, I do currently have an overdue library book that needs to be returned! In my defense, I had gone to renew online and thought I was “safe,” but it turns out the re-new didn’t go through because someone has requested the book. Drat! Of course it’s cheaper to pay the fine than it would have been to buy the book, but I still hate to spend this money (or “throw it away,” as the article suggests).

Hope you have a great weekend!


Radical Savings?

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I was reading an article by Jennifer Mulrean about ‘7 radical ways to save money’. Her suggestions were:

1. Hold the mother of all garage sales.

The only thing left to sell in our garage is the actual garage… and I tried.

2. Quit smoking.

Easy. Well… only because I never started.

3. Tame your driving addiction.

Sure it triples my commute time, but I leave my car at home on a regular basis.

4. Buy used.

From clothes to books to cars, I haven’t been the first owner of much since we went on our debt diet.

5. Become a homebody. Consider the library for books, music and movies.

I can’t believe she shared the library tip!! That was MY secret!

6. Cut your housing expenses. Consider renting out a room.

We’ve had roommates for…ever.

7. Cut up your credit cards. Build an emergency fund first to handle most unexpected expenses.

Done. Well… again.

Radical? I don’t think so. Have you discovered a REAL radical way to save cash?


Still… Sick.

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I had to stay home yet another day today. I’m definitely not feeling any better despite my husband’s Vodka/Whiskey solution – surprise, surprise. Normally it wouldn’t be something to lose sleep over except…

I was supposed to receive an award today from the CEO and give a short speech.

And no. I’m not joking.

Instead, I’m sitting on my sofa flipping between Jerry Springer reruns and the Home Shopping Network.

Now, I’m not only horribly sick, I’m in a rotten mood.

My husband drove straight to school from work citing ‘library needs’ as an excuse but based on the fact that I revert to throwing tantrums like a three year old after every cough, I’m thinking he had other – totally understandable – reasons to skip a stop at home.

Not that I mind. He has taken to dousing me with Lysol Disinfectant every time he walks by and as much as I love him, I like breathing just a little more.

Ugh. Hopefully I feel better tomorrow. I’ve got a lot to do before we leave next week – plus, given enough time and Jack Daniels… I may start buying unnecessary amounts eye cream from HSN.


The End of No Dining Out…

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How did we celebrate the end of our two month no dining out policy?

Did we go to a fancy steakhouse? A nice Italian restaurant? Happy hour at our favorite sushi joint?

We spent a romantic evening at… Taco Bell.

Don’t be jealous OK?

My husband rented a 99 cent movie (a big spend for me since I always linger 3 – 4 months on a waiting list and rent them for free at the library) starring… Jennifer Lopez.

Perhaps he was intoxicated by the scent of food not cooked by either of us – generally, he’s not a fan of chick flicks, especially those starring Jennifer Lopez.

As we enjoyed our cheap Mexican food, we talked about the no dining out policy and how we felt about it.

And by ‘we’ talked, I mean ‘I’ talked.

‘We’ decided to continue ‘our’ policy until October 8th, the day we leave for Italy, as a way to stash as much cash as possible before we leave.

Here we go again!


The Millionaire Next Door…

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I had the opportunity to read ‘The Millionaire Next Door’ by Thomas Stanley this week during my commute to work.

The book is in one word… amazing. I mean really, if the guy can make a book entirely of statistics about a group of people I can’t even relate to and keep me interested, he’s a pretty good author.

Stanley covers the gamut of what makes a millionaire different from others. From how they manage marriage, to work, to frugality, to children, it’s all there.

The most shocking statistic? Most millionaires drive used domestic cars worth less than $30,000. The most popular model? A Ford F-150. Now every time I see an old Ford, I wonder if a very wise person is behind the wheel.

His main point – The gross majority of millionaires don’t care what you think of them.

Sounds like something I need to work on.

Rent this book from the library. It’s FASCINATING!


Not Buying It…

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I had the opportunity to read Judith Levine’s book “Not Buying It. My Year Without Shopping” while on our camping trip.

I was excited to read about the experiences of someone who decided to say no to shopping… or so I thought.

Judith’s book should have been titled, ‘Stories about my strong political beliefs sold to you under the guise of reducing consumerism.’ I tried to glean as much as possible about living life frugally but finally became so annoyed with the author, I didn’t read the last 30 or so pages. She droned on and on about how Bush was to blame for just about everything, insisted that frequent political contributions and political activism trips didn’t count as spending, whined for a chapter or two about a cell phone tower she didn’t like, and then explained how purchases didn’t count if one of her friends paid for it. When she wrote about a friend who had invited her and her husband to dinner and they went in hopes the friend would offer to pay (he did), I blew a top.

My poor husband was interrupted more than necessary when I would yell from my chair, ‘Honey! Listen to this. No seriously. This is the most ignorant paragraph I have ever read!’ or ‘If this isn’t spending, what is?!?!?’ while he played lawn darts.

Maybe it’s because I had hoped a book about reduced spending would actually be about reduced spending or maybe it’s because the last ‘fun’ thing I’ve bought in 3 months is a $15 set of lawn darts and my patience is wearing thin but…

As much as I treasure library books and treat them gently… I ‘may’ have thrown this library book into the sand in a horrible fit of anger.

Don’t worry, I quickly moved on to trashy romance novels to rot my brain for the next three days because really, isn’t that the point of a vacation?


The Difference by Jean Chatzky…

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I recently read ‘The Difference’ by Jean Chatzky. The book focuses on the differences between the four financial classes of people – Wealthy, Financially Comfortable, Paycheck to Paycheck, and Further into Debt.

Merrill Lynch and Harris Interactive conducted a study of 5,000 people and created a list of the very specific characteristics that define each financial group of people. Chatzky emphasized that most wealthy people are not wealthy because of an inheritance or because life ‘gave them all the breaks’, they are wealthy because of their decisions and attitudes. For example, wealthy folks are generally socially connected, married, competitive, hardworking, physically fit, optimistic, have good attitudes about finances, and believe in risk.

Yeah, sure Jean, those are super easy qualities to come by.

Don’t worry, she doesn’t leave you on the ledge. Chatzky gives you daily exercises to help you change the way you think and even the way you feel. The book is 50% financial information and 50% motivational material.

I listened to this book on CD but I recommend you rent the actual book from the library. Some of the exercises would be far easier to do without pushing pause after each chapter.

I enjoyed this book and if nothing else, felt encouraged about my path.


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