Author: fifadmin

Ordinary I don’t care about

Posted by in Anyway, bills, money

But what about someone who barges in and writes 3 identical off topic messages as their first volley. Is that ornary, or rude. Yeah it does make me wonder, it makes me wonder about character the same way I would wonder about an individual who uses profanity in church. There is a right time and a right place…

Some thoughts on MLM:

Posted by in money

Most MLMs are scams. Only a small fraction of MLMers make enough money to survive. Very few MLMers get a monthly commision check. Yet many hold on to the dream. Gambling has a bigger payoff than MLM. Too much emphasis is placed on recruiting. The prime goal of any business is to move the product or…

I have all of my bills auto debited

Posted by in bills, business, money

auto bill, or on automatic bill pay too. Utility bills are the hardest ones to deal with since they are so seasonal. So what I do is average out all of my utility bills for a 12 month running average to come up with the average bill. Then I add those averages to my fixed…

I have most of my stuff auto debited

Posted by in bills, business, found, money

so I guess if I had a bill that was the same each month, it would be easy. Sometimes I push a few bills to the end of the time period in case I have a cash crunch…I pay our rental property mortgage as late as possible since our renters usually pay late.

I’m not sure I understand what you are getting at

Posted by in business, found, money

I setup my bills through my bill payment service that the bank provides and send out payments on the 1st and 16th of the month. Since I can setup re-occurring payments, and my payments don’t change for a 12 month period for my utilities, mortgage, insurance etc, why not? Or were you you thinking that…

That’s how our water bill worked on the budget plan

Posted by in bills, business

but they also tacked on an adjustment to bring us current because the monthly amount was too low. I use the past tense because I got off of it. When we had the budget plan, I set up a recurring payment at our bank and then didn’t give it any more thought. The first time…

So your utilities are always the same?

Posted by in bills

And vehicle fuel is the same every month? Even on “bill averaging” our electric/gas bill is never exactly the same because each month’s bill is based on an average of the previous 12 months. What about murphy hits? Illness, sick animals, home repairs, vehicle repairs?

Sounds like you are very organized and like working with numbers!

Posted by in business, found, money

You may have misunderstood how I use Quicken. You said that you want to budget your credit union account. I actually use the “check register” as my budget. I pre-enter my groceries, fuel, kids stuff, and all other misc stuff you spend on Quicken for your credit union account. You already have a budget for…

Thanks, but I break out my regular bills away from my budget

Posted by in business, money

Let me explain. Because my employer makes it possible for me to deposit into more than one bank account, I took advantage of that to more or less “automate” my bill paying processes. One bank account I keep a spreadsheet on and plug in all of my monthly bills into it for a running balance….

Personal finance software

Posted by in business, money

I am wondering what personal finance software everyone uses. I was using MS Money sunset, but got tired of the lack of flexibility and updates, ect. So I have been searching around for what to replace it with. I tried Mint since it is on line and free, but it does not work with my…

Yeah, me, too

Posted by in business, found

I like having the control over the fats I put in it. I generally use all olive oil. I also like making variations of it, like a garlicky batch or a spicy batch. I use a regular food processor. It makes pretty amazing tuna or chicken salad. Alton Brown did mayo on one episode of…

Pretty excited (yes, it’s amazing the things which excite me!)

Posted by in business, found

made my first SUCCESSFUL batch of homemade mayonnaise. Other attempts have been major fails. Room temperature egg yolks and a narrow bottle (I used a regular mouth pint jar) seem to have made the difference. I used a stick blender, hence the reason for a narrow container. Texture is a-w-e-s-o-m-e. Can’t wait to make some…

So if you care to remember

Posted by in business, extra expenses, shops

a while back someone asked about our goals for 2014. Mine were to pay back the money that we borrowed from out EF. Number 2 was to pay off the doctor for my hubby’s surgery.. I was hoping to have those two things done by June of this year. I am happy to report that…

And next week I’ll do an update on my year-long goals

Posted by in business, money

~ Talked to XM radio. If we paid a year in advance, they would give us a 50% discount. Which we took. Unfortunately, this is a one-year only special, so we’ll probably drop it next year. ~ Discovered that our mortgage balance was low enough to get our PMI removed. House payment went down $50!…

It has been an interesting week

Posted by in money

The weather for us on the gulf coast has made life havoc. Our store was open till only noon yesterday. Today we were open all day, still another hour to go. It has made people with normal jobs have some unscheduled time off and rather unexpectedly. Bad for hourly workers. However tomorrow it should be…

Gandalf and Fleur will head down to Texas

Posted by in found, money, shops

to a friend of mine who is Belgian-savvy for socializing and hopefully the goal of getting them placed in homes. Shadow should be going to his new home in March (yay!). Looloo, my main troublemaker, is proving to be stubborn to shift so there has to be a plan for her that will come together…

We got the keys to our space last Tuesday

Posted by in compensation, money

so we spent the remainder of the week gathering the supplies we would need to paint and clean. We spent Friday afternoon cleaning or with appointments with different trades–pest, HVAC, locksmith. Saturday and Sunday were spent painting. We have primed everything except 4 closets/storage areas of varying sizes. I figured that we should get the…

I will try one more time and then I’m done

Posted by in business

Please check with OK state regulations regarding vehicle abandonment. According to the three instances where I had to deal with an abandoned vehicle, 30 days was all the time required for a vehicle to be parked with no communication from the owner, before it was considered abandoned. The mechanic and/or the land owner was under…

I’m very excited for you! I see major $ coming your way

Posted by in money

If I were you, I would stop worrying about whether he broke the law, get the sheriff involved etc. Clearly he did, and clearly the sheriff doesn’t care. I would, however, get to the Small Claims court house for that area (where the truck was at, since technically, that’s where the contract was) and file…

I used the cricut craft room to lay out a full 12 x 12 sheet

Posted by in business

Went to the cut feature and it said I needed to link my cartridge. Tried to link an got an error. Then it said I needed to update my firmware, I hit the skip button because I wanted to complete the project. It would not let me cut unless I did the update. So I…

I was curious if this machine is sold on

Posted by in shops

You could post a review there too. Reviews there often make companies really sit up and pay attention simply from the sheer exposure to such a huge potential market. Also, might be another option. But yea, spread the word far and wide. That’s simply unacceptable for a company to treat their customers that way….

I did better, I posted it on several users

Posted by in compensation

Once I did others came forward with basically the same story, only none if them got any compensation. My warning also stopped several from doing the latest update, thus saving their machines. Many who were going to buy the new unit are now going to buy from their competitor. Many were not aware they regularly…

Yup, my utilities are the same

Posted by in business, extra expenses, money

mortgage stays the same, cell phone bill is the same, insurance is the same, cable is the same, cc payment is the same. What changes for me is fuel, groceries that sort of thing. That doesn’t mean that I don’t check my bills every month – because I do. I just prefer to set it…

I have spent much of the last two weeks working on learning my equipment for our little business

Posted by in business

Two weeks ago I stupidly did an update on my main die cutting machine and the result was my machine stopped working. Yo-yo going down. I called customer service and the first rep was very nice. She couldn’t fix it, but said maybe the next tier could because they were aware the update was basically…


Posted by in found

if we continue to save at the same rate, we have various amounts going into the different accounts. It would be 50 plus 70 plus 25 plus 50 each month. So, I guess it would be about a year. We could increase the amounts instead of continuing to pay on the snowball and could probably…

I do know how you feel Melanie, and i am right there with you

Posted by in found

This is exactly what I have been struggling with since DH found work this month. We would have been homeless in a heartbeat if DH hadn’t happened to have 8 weeks of vacation pay saved up….and the company wanting to avoid a lawsuit over DH’s termination, decided to pay it all rather than the two…

I guess that I know that answer to this question is

Posted by in money

that DR would say that I should, but I am not sure how to get past the anxiety of having the money there to help me feel more safe and secure. In fact, DR. would probably tell me to take about 5000 of it and pay things off, but I think that this would be…

Would you?

Posted by in extra expenses

So, in the past few months, we have had all sorts of extra expenses. I fell on the ice twice and ended up with a whiplash injury the first time and a shoulder sprain the second time. They thought I might have a tear in my shoulder, but the good news is that it is…

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