Mvelopes and Budgeting
I am bad at budgeting both time and money and looked into learning new ways to improve. I came across a website called Mvelopes that I will be signing up to shortly. It is a website that helps you with your budget and also has reading material for you learn more about budgets and the problems in the household that messes with your budget.
For instance did you know that most households spend 10% more money than they make? I didn’t know that but I realize that is definitely my household. That is just one of the budgeting issues. You can also use the tools that they provide, pay bills online and keep track of your net worth.
Best of Niner Niner June ‘06
Sreejith thinks that Snap is the future of Google.
Meanwhile over at Blogging Naked leafworks introduces us to sex magic Part I.
In Bookadoodle, Meg Stivison tells us about The Year of Pleasure, and the story of Shem Creek which left her giggling and sighing.
Boomer 2.0: Baby boomers want to dress just like us and get into the latest technology. If you can, then so can they.
Sony gives out free music and hey, Why was the NPS website shut down?
In Credit Cardenza, learn to protect your credit card, and don’t forget to give the tips to your one year old after he gets his own card.
Did you remember to get mommy this gorgeous polished rolo bracelet? Did you settle for something in the flowers and candy department? Or did you get her this Kodak EasyShare?
In Feed Money there was talk about the Google Traffic Diet while Tom Baurley gave us a guide to affiliate programs.
Sarah White posted a must-read to generation debt and hopefully that will keep you from falling into the pit of debt.
If you love playing games for money head on over to the Hard Rock Casino in Hollywood, Florida but leave the gambling children at home.
Technology is coming to high heel near you so when your bored hopefully your flexible enough to watch the tv in your high heels and if criminals take notice show them your other shoes that come with high heel weaponry included.
Do you know if you medical records are being disclosed and do you understand your medical privacy?
Kathleen Milazzo asks the question: Could you be the next victim of diabetes? While also discussing seniors and their new drug plan.
You might own a coffee shop but don’t forget to offer tea because people love variety.
In Mortgage Updates you can learn how to toss out the middle man and offer a mortgage all by yourself.
If you’ve got the skills, you can learn how to build your own hydropower or get some ideas on building your own Mona Lisa.
If your in the mood to learn business, Sarah White takes a moment to let us in on her not so secret side biz.
There is a lot to learn if you want a healthy living and you can start with the dangers of diabetes before moving on to the healthy alternative of corn and don’t forget some great tasting healthy and low calorie recipes.
In On Movies, Meg Stivison refused to let the problem of finding english language movies stop her from giving a great review for the movie “The Prince and Me 2″.
Always keep an eye out for Ebay email fraud but keep the other eye out on ways you can sell stuff on Ebay for other people.
Rss Micro is the new kid in town when it comes to RSS search engines, while there pull up a search about getting listed with Yahoo.
The Diet Logs: If violent diarrhea isn’t something you’d like to have, remember to avoid white kidney beans, or at least learn how to cook them correctly.
If you live the Single Life try to find your relationship chemistry but do avoid the 7 types of jealousy.
Meg Stivison is pretty excited about the changes made to Wow, meanwhile Tom Baurley reminds us that we Don’t Know Jack and there is the Desperate Housewives video game. I still don’t know why they made it.
In Vegas Revealed, we see a couple that are endangered plus a grandmother won the biggest slots jackpot ever.
Meg Stivison is still not over the staring thing, I mean the grocery store? People keep an eye on your shopping carts. And if your going to wander the Earth don’t forget to take a pit stop at Aquariam of the America’s. Should be a sight to behold.
Filing For Bankruptcy
Filing for bankruptcy is never easy even though businesses happily run to it when they fold taking hard earned money from many individuals and lately it has gotten tougher. It is also not easy in the sense that it can be very confusing about exactly what it is you need to do. Here are a few places that you can go that will hopefully help point you in the right direction.
Filing bankruptcy, a how to guide
Thinking About Filing For Bankruptcy?
A Few Tips On Saving Money
Saving money sounds easy. You cash your check, pay the bills and put some money away. Many people even have a system where they save up 20% and sometimes more from every check regardless of the amount. This is also a good idea. However it’s not always as easy as it seems and I know this first hand. I will walk into a store with $200 and leave with a penny IF I’m lucky. I tend to spend the amount I have on me all the time in one stop.
You will be surprised that you can cut a few costs here or there and still maintain the lifestyle you live.
Money Saving Tips
- If you buy a lot of magazines consider getting a yearly subscription. You can sometimes save $50 up to $100 depending on the type of mag you read. You can find lots of low cost magazine subscriptions online.
- Try going to restaurants less and cook your own meals, each meal at a restaurant can $20-$30 or more per person.
- Get electric equipments such as refridgerator, dishwasher, dryer, washer that will help cut energy costs. Also have someone check your windows and doors to see if they let out your cool or hot air because that as well can lose you more money.
- With the miracle of the internet you can save on electronics and other deals that are many times only available online. Plus it’s much easier to shop around than physically going to twenty different stores looking for a good deal. However do factor in shipping because you can actually end up spending more if your not careful in checking that out before you buy.
- If you have a large family consider joining a food club such as Sam’s or Costco. The yearly membership can be $45 or so but if you have a large family it pays for itself when you buy in bulk. But buy only what you know you can use. Getting a 10 gallon tub of mayonaise is unhealthy and likely to spoil considering it’s for a home and not a restaurant.
- Use more coupons. You can find many places online that allow you to print your own coupons. Just remember to check with your grocer to be sure they accept them because some places don’t.
- Carpool, it saves money on gas.
- Try to cut down on coffee from Starbucks and other such expensive places. You are spending $4.00 or more per cup. Getting yourself some sort of machine to do it yourself at home will save money in the long run.
- For a final tip consider getting a savings account at another bank. Put up the atm card somewhere and forget about it. This way you can concentrate on just putting money in the account but not taking it out.