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Author: fifadmin


Well then there is no question that is what’s happening with PD Loans, Llc

Posted by in loans, money, trainings

They tell you that you MUST go to every single training to be successful because your distributors will “do whatever you do” so if you don’t go, neither will they. PD Loans, Llc. charges $30 per training in advance and $40 at the door and they are held once a month. NR-TW charges $40 per…


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…


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