wrote
keith wrote
Zee wrote
Eric wrote

What are currently your best saving tips you recommend and also practice,
relating to how you make your money go much further than it used to, whether
it's for food - weekly living expenses, home and financial investment, etc.

Spend less than your income. Find alternatives. Live life moderately.

Make more than you spend. Live life.

learn the difference between needs and wants.

No thanks, if all I spent on was real needs, it would be a pathetic existence.

you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.

I prefer to eat better than the bare minimum that will keep my alive and healthy.

Its far easier to make your wants a little less than your income.

Depends on your income. Thats a lie with the lowest incomes.

Trying to make enough to buy all your wants just becomes impossible.

Nope, not for everyone.

the more you make the more you want,

That isnt true of everyone.

into a spiral of unlimited spending maxed out credit cards etc

How odd that none of mine are.

On May 27, 1:56�pm, "Rod Speed" wrote:
wrote

keith wrote
Zee wrote
Eric wrote
What are currently your best saving tips you recommend and also practice,
relating to how you make your money go much further than it used to, whether
it's for food - weekly living expenses, home and financial investment, etc.
Spend less than your income. Find alternatives. Live life moderately.
Make more than you spend. Live life.
learn the difference between needs and wants.

No thanks, if all I spent on was real needs, it would be a pathetic existence.

you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.

I prefer to eat better than the bare minimum that will keep my alive and healthy.

Its far easier to make your wants a little less than your income.

Depends on your income. Thats a lie with the lowest incomes.

Trying to make enough to buy all your wants just becomes impossible.

Nope, not for everyone.

the more you make the more you want,

That isnt true of everyone.

into a spiral of unlimited spending maxed out credit cards etc

How odd that none of mine are.

far too many americans had wants far larger than needs or income.

today they are the ones going bankrupt, maxed out cards, homes in
forecosure vehicles beig repoed/\\

glad you are under control but far too many arent

In article ,
Frank Erskine wrote:
On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:
[ ... ]

Spend less than your income.

If only the last government had heeded that maxim...

They did a lot better than the current spendthrift.


Gary

--
Gary Heston http://www.thebreastcancersite.com/

Did you hear about the new saint, San Adreas? He's the patron saint of
blame, it's all his fault.

In article ,
Frank Erskine wrote:

On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:

On May 14, 9:44*am, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to, whether
it's for
food - weekly living expenses, home and financial investment, etc.

Spend less than your income.

If only the last government had heeded that maxim...

And the current one. ;-(
--
Peace! Om

Web Albums: http://picasaweb.google.com/OMPOmelet
*Only Irish *coffee provides in a single glass all four *essential food groups: alcohol, caffeine, sugar *and fat. --Alex Levine

Take cash and a written list to the grocery store.
Leave debit cards, credit cards and the checkbook home when you go
shopping. Stick to the list and don't browse.

You will save hundreds per month....Trust me.
--
Peace! Om

Web Albums: http://picasaweb.google.com/OMPOmelet
Â*Only Irish Â*coffee provides in a single glass all four Â*essential food groups: alcohol, caffeine, sugar Â*and fat. --Alex Levine

In article ,
"ChairMan" wrote:

In ,
Frank Erskine spewed forth:
On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:

On May 14, 9:44 am, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to, whether
it's for
food - weekly living expenses, home and financial investment, etc.

Spend less than your income.

If only the last government had heeded that maxim...

Oh, and the present one is?

laughs
--
Peace! Om

Web Albums: http://picasaweb.google.com/OMPOmelet
*Only Irish *coffee provides in a single glass all four *essential food groups: alcohol, caffeine, sugar *and fat. --Alex Levine

On Thu, 27 May 2010 20:04:50 -0500, Omelet
wrote:

If only the last government had heeded that maxim...

And the current one. ;-(
--

Kat! Welcome to a.h.r.

A sick bunch, but a lot fun and laughter.

Some times we talk about home repair.

In news Omelet spewed forth:
In article ,
"ChairMan" wrote:

In ,
Frank Erskine spewed forth:
On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:

On May 14, 9:44 am, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to,
whether it's for
food - weekly living expenses, home and financial investment, etc.

Spend less than your income.

If only the last government had heeded that maxim...

Oh, and the present one is?

laughs

in my best sqwertz voice
Are you one of my loony stalkers?veg
wave

In news Omelet spewed forth:
In article ,
"ChairMan" wrote:

In ,
Frank Erskine spewed forth:
On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:

On May 14, 9:44 am, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to,
whether it's for
food - weekly living expenses, home and financial investment, etc.

Spend less than your income.

If only the last government had heeded that maxim...

Oh, and the present one is?

laughs

slaps forehead
just noticed this was Xposted to rfc, not just althome repair
wave anyway

In article ,
"ChairMan" wrote:

In news Omelet spewed forth:
In article ,
"ChairMan" wrote:

In ,
Frank Erskine spewed forth:
On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:

On May 14, 9:44 am, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to,
whether it's for
food - weekly living expenses, home and financial investment, etc.

Spend less than your income.

If only the last government had heeded that maxim...

Oh, and the present one is?

laughs

in my best sqwertz voice
Are you one of my loony stalkers?veg
wave

waves back g
--
Peace! Om

Web Albums: http://picasaweb.google.com/OMPOmelet
*Only Irish *coffee provides in a single glass all four *essential food groups: alcohol, caffeine, sugar *and fat. --Alex Levine

In article ,
"ChairMan" wrote:

In news Omelet spewed forth:
In article ,
"ChairMan" wrote:

In ,
Frank Erskine spewed forth:
On Thu, 27 May 2010 00:35:08 -0700 (PDT), Zee
wrote:

On May 14, 9:44 am, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to,
whether it's for
food - weekly living expenses, home and financial investment, etc.

Spend less than your income.

If only the last government had heeded that maxim...

Oh, and the present one is?

laughs

slaps forehead
just noticed this was Xposted to rfc, not just althome repair
wave anyway

Sorry! snipping my home group but the e-mail works...
--
Peace! Om

Web Albums: http://picasaweb.google.com/OMPOmelet
*Only Irish *coffee provides in a single glass all four *essential food groups: alcohol, caffeine, sugar *and fat. --Alex Levine

wrote
Rod Speed wrote
wrote
keith wrote
Zee wrote
Eric wrote

What are currently your best saving tips you recommend and also
practice, relating to how you make your money go much further
than it used to, whether it's for food - weekly living expenses,
home and financial investment, etc.

Spend less than your income. Find alternatives. Live life moderately.

Make more than you spend. Live life.

learn the difference between needs and wants.

No thanks, if all I spent on was real needs, it would be a pathetic existence.

you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.

I prefer to eat better than the bare minimum that will keep me alive and healthy.

Its far easier to make your wants a little less than your income.

Depends on your income. Thats a lie with the lowest incomes.

Trying to make enough to buy all your wants just becomes impossible.

Nope, not for everyone.

the more you make the more you want,

That isnt true of everyone.

into a spiral of unlimited spending maxed out credit cards etc

How odd that none of mine are.

far too many americans had wants far larger than needs or income.

Their problem. That isnt my situation.

today they are the ones going bankrupt, maxed out cards, homes in
forecosure vehicles beig repoed/\\

Thats always been a small minority.

glad you are under control

Thats completely effortless, I dont even want what those fools want.

but far too many arent

Yes, but what you propose wont help them.

On May 28, 1:28�pm, "Rod Speed" wrote:
wrote





Rod Speed wrote
wrote
keith wrote
Zee wrote
Eric wrote
What are currently your best saving tips you recommend and also
practice, relating to how you make your money go much further
than it used to, whether it's for food - weekly living expenses,
home and financial investment, etc.
Spend less than your income. Find alternatives. Live life moderately.
Make more than you spend. Live life.
learn the difference between needs and wants.
No thanks, if all I spent on was real needs, it would be a pathetic existence.
you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.
I prefer to eat better than the bare minimum that will keep me alive and healthy.
Its far easier to make your wants a little less than your income.
Depends on your income. Thats a lie with the lowest incomes.
Trying to make enough to buy all your wants just becomes impossible.
Nope, not for everyone.
the more you make the more you want,
That isnt true of everyone.
into a spiral of unlimited spending maxed out credit cards etc
How odd that none of mine are.
far too many americans had wants far larger than needs or income.

Their problem. That isnt my situation.

today they are the ones going bankrupt, maxed out cards, homes in
forecosure vehicles beig repoed/\\

Thats always been a small minority.

glad you are under control

Thats completely effortless, I dont even want what those fools want.

but far too many arent

Yes, but what you propose wont help them.- Hide quoted text -

- Show quoted text -

a large percentage of americans are currently behind on their mortage.
like 15 percent i forget the exact number,

just look at our country.

few save anything, live paycheck to paycheck, have big credit card
bills and no plans to pay them off.

the debts normal everybody has debt mentailty can get people in
serious grief.

overspending can lead tyo divorce, most divorces are over money.

well the divorce effect far more than the 2 people who decide to
split.

think of the kids and all the colateral damage that overspending
causes.

even those with perfect credit are paying for those who go bankrupt

On May 28, 1:28�pm, "Rod Speed" wrote:
wrote





Rod Speed wrote
wrote
keith wrote
Zee wrote
Eric wrote
What are currently your best saving tips you recommend and also
practice, relating to how you make your money go much further
than it used to, whether it's for food - weekly living expenses,
home and financial investment, etc.
Spend less than your income. Find alternatives. Live life moderately.
Make more than you spend. Live life.
learn the difference between needs and wants.
No thanks, if all I spent on was real needs, it would be a pathetic existence.
you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.
I prefer to eat better than the bare minimum that will keep me alive and healthy.
Its far easier to make your wants a little less than your income.
Depends on your income. Thats a lie with the lowest incomes.
Trying to make enough to buy all your wants just becomes impossible.
Nope, not for everyone.
the more you make the more you want,
That isnt true of everyone.
into a spiral of unlimited spending maxed out credit cards etc
How odd that none of mine are.
far too many americans had wants far larger than needs or income.

Their problem. That isnt my situation.

today they are the ones going bankrupt, maxed out cards, homes in
forecosure vehicles beig repoed/\\

Thats always been a small minority.

glad you are under control

Thats completely effortless, I dont even want what those fools want.

but far too many arent

Yes, but what you propose wont help them.- Hide quoted text -

- Show quoted text -

feds need to put some realistic limits on companies gving credit.

a easy move...

if the credit card company gives anyone too much credit, the company
agrees in advance to a max interest rate say 10%

a real cheapskate wrote
Rod Speed wrote
wrote
Rod Speed wrote
wrote
keith wrote
Zee wrote
Eric wrote

What are currently your best saving tips you recommend and also
practice, relating to how you make your money go much further
than it used to, whether it's for food - weekly living
expenses, home and financial investment, etc.

Spend less than your income. Find alternatives. Live life moderately.

Make more than you spend. Live life.

learn the difference between needs and wants.

No thanks, if all I spent on was real needs, it would be a pathetic existence.

you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.

I prefer to eat better than the bare minimum that will keep me alive and healthy.

Its far easier to make your wants a little less than your income.

Depends on your income. Thats a lie with the lowest incomes.

Trying to make enough to buy all your wants just becomes impossible.

Nope, not for everyone.

the more you make the more you want,

That isnt true of everyone.

into a spiral of unlimited spending maxed out credit cards etc

How odd that none of mine are.

far too many americans had wants far larger than needs or income.

Their problem. That isnt my situation.

today they are the ones going bankrupt, maxed out
cards, homes in forecosure vehicles beig repoed/\\

Thats always been a small minority.

glad you are under control

Thats completely effortless, I dont even want what those fools want.

but far too many arent

Yes, but what you propose wont help them.

a large percentage of americans are currently behind on
their mortage. like 15 percent i forget the exact number,

Thats not a large percentage, its a small percentage and
unsurprising given that 10% are unemployed and something
like 20% want a full time job and dont currently have one.

And some of that alleged 15% are taking advantage of
the stupid US non recourse system with mortgages too.

just look at our country.

few save anything,

Thats a lie with the home ownership rate at an all time historic high.

Thats the main way they save.

live paycheck to paycheck, have big credit card bills and no plans to pay them off.

In fact the majority pay off their credit cards in full every month.

the debts normal everybody has debt mentailty

Yes, very few can get a house any other way. Bet you didnt.

can get people in serious grief.

And the majority dont, in fact pay off their cards in full every month.

overspending can lead tyo divorce,

So can ****ing around.

most divorces are over money.

Easy to claim. Pity you cant actually substantiate that claim.

well the divorce effect far more than the 2 people who decide to split.

So does not divorcing when that makes sense too.

think of the kids and all the colateral damage that overspending causes.

And plenty choose not to have kids at all.

even those with perfect credit are paying for those who go bankrupt

Nope. I dont pay a cent in interest, so dont pay a cent for those who go bankrupt.

a real cheapskate wrote
Rod Speed wrote
wrote
Rod Speed wrote
wrote
keith wrote
Zee wrote
Eric wrote

What are currently your best saving tips you recommend and also
practice, relating to how you make your money go much further
than it used to, whether it's for food - weekly living
expenses, home and financial investment, etc.

Spend less than your income. Find alternatives. Live life moderately.

Make more than you spend. Live life.

learn the difference between needs and wants.

No thanks, if all I spent on was real needs, it would be a pathetic existence.

you NEED food to live!! But you may WANT to eat out at
fancy restaurants nightly, but you dont need to do that to live.

I prefer to eat better than the bare minimum that will keep me alive and healthy.

Its far easier to make your wants a little less than your income.

Depends on your income. Thats a lie with the lowest incomes.

Trying to make enough to buy all your wants just becomes impossible.

Nope, not for everyone.

the more you make the more you want,

That isnt true of everyone.

into a spiral of unlimited spending maxed out credit cards etc

How odd that none of mine are.

far too many americans had wants far larger than needs or income.

Their problem. That isnt my situation.

today they are the ones going bankrupt, maxed out
cards, homes in forecosure vehicles beig repoed/\\

Thats always been a small minority.

glad you are under control

Thats completely effortless, I dont even want what those fools want.

but far too many arent

Yes, but what you propose wont help them.

feds need to put some realistic limits on companies gving credit.

Not even possible.

a easy move...

Nope.

if the credit card company gives anyone too much credit, the
company agrees in advance to a max interest rate say 10%

That would mean that the credit duds would be subsidised
by everyone else even more than they currently are.

The reason the credit duds are slugged a much higher rate is
because its them that produce the highest costs for the industry.

In article ,
"Rod Speed" wrote:

In fact the majority pay off their credit cards in full every month.

Cite?

Smitty Two wrote:
Rod Speed wrote

In fact the majority pay off their credit cards in full every month.

Cite?

http://www.bosfed.org/economic/neer/...0/neer400b.pdf

Bottom left hand corner of page 20

Rod Speed wrote
Smitty Two wrote
Rod Speed wrote

In fact the majority pay off their credit cards in full every month.

Cite?

http://www.bosfed.org/economic/neer/...0/neer400b.pdf

Bottom left hand corner of page 20

and
http://www.bcsalliance.com/creditcard_profits.html

In article ,
"Rod Speed" wrote:

Rod Speed wrote
Smitty Two wrote
Rod Speed wrote

In fact the majority pay off their credit cards in full every month.

Cite?

http://www.bosfed.org/economic/neer/...0/neer400b.pdf

Bottom left hand corner of page 20

and
http://www.bcsalliance.com/creditcard_profits.html

Thanks, that's surprising. First reference is 10 years old, and I didn't
see a date on the second one, but that's not the picture commonly
painted of American's cc habits.

On May 29, 9:51�pm, Smitty Two wrote:
In article ,
�"Rod Speed" wrote:

Rod Speed wrote
Smitty Two wrote
Rod Speed wrote

In fact the majority pay off their credit cards in full every month..

Cite?

http://www.bosfed.org/economic/neer/...0/neer400b.pdf

Bottom left hand corner of page 20

and
http://www.bcsalliance.com/creditcard_profits.html

Thanks, that's surprising. First reference is 10 years old, and I didn't
see a date on the second one, but that's not the picture commonly
painted of American's cc habits.

yeah and 13% of all US mortages are at least a month behind in
payments, thats a all time historical high

Smitty Two wrote
Rod Speed wrote
Rod Speed wrote
Smitty Two wrote
Rod Speed wrote

In fact the majority pay off their credit cards in full every month.

Cite?

http://www.bosfed.org/economic/neer/...0/neer400b.pdf

Bottom left hand corner of page 20

and
http://www.bcsalliance.com/creditcard_profits.html

Thanks, that's surprising.

Yes, it surprises most when they hear about it.

First reference is 10 years old,

But it that had changed, there would have been lots of howling about that change.

and I didn't see a date on the second one, but that's not
the picture commonly painted of American's cc habits.

Yes, but particularly in a group like msfl, its something most of us do.

Not always tho, I personally built my own house from scratch myself,
and chose to fund it entirely with borrowed money, basically because
I was earning a better rate on the money I had in the stock market
than I was paying for borrowed money in the very early 70s and
was interested to see if it could be done. So I started using a credit
card to buy the first of the materials, and then got a loan on the
partially built house for the next lot of materials etc and did it that
way. The land came from the govt in a no deposit land purchase
scheme. I never did pay off the land early, because the interest
rate charged was so derisory, and I could earn a lot better than
that on it in the stock market so continued to do that after the
house was finished.

a real cheapskate wrote
Smitty Two wrote
Rod Speed wrote
Rod Speed wrote
Smitty Two wrote
Rod Speed wrote

In fact the majority pay off their credit cards in full every month.

Cite?

http://www.bosfed.org/economic/neer/...0/neer400b.pdf

Bottom left hand corner of page 20

There was an even better one around, but its no longer on the web and
I was silly enough to not save it on my system while it was still available.

and
http://www.bcsalliance.com/creditcard_profits.html

Thanks, that's surprising. First reference is 10 years old,
and I didn't see a date on the second one, but that's not
the picture commonly painted of American's cc habits.

yeah and 13% of all US mortages are at least a month
behind in payments, thats a all time historical high

Not surprising given that the unemployment rate is about 10% and
about 20% would like a full time job and dont currently have one.

Even if they are all behind, and not all of them are, that still leaves a majority doing fine repayment wise.

On Fri, 14 May 2010 06:11:26 -0700, "Jon Danniken"
wrote:

Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to, whether
it's for
food - weekly living expenses, home and financial investment, etc.

You can get two meals of tuna from a can of tuna, but that same can of tuna
can provide several dozen meals of cat.

I do recall reading a while back that tuna is deficient in some
vitamin - E, I think - that is essential to the wellbeing of cats. The
occasional meal would be OK, though.
--

Peter

Appelation Controlee wrote:

"Jon Danniken" wrote:

You can get two meals of tuna from a can of tuna, but that same can of tuna
can provide several dozen meals of cat.

I do recall reading a while back that tuna is deficient in some
vitamin - E, I think - that is essential to the wellbeing of cats. The
occasional meal would be OK, though.

I don't think Jon was suggesting tuna as a meal *for* cats, rather as a
bait to catch cats for ingredients in meals!

On Sun, 30 May 2010 09:07:22 +0100, Andy Burns
wrote:

Appelation Controlee wrote:

"Jon Danniken" wrote:

You can get two meals of tuna from a can of tuna, but that same can of tuna
can provide several dozen meals of cat.

I do recall reading a while back that tuna is deficient in some
vitamin - E, I think - that is essential to the wellbeing of cats. The
occasional meal would be OK, though.

I don't think Jon was suggesting tuna as a meal *for* cats, rather as a
bait to catch cats for ingredients in meals!

ROFL! Speed reading doesn't necessarily include comprehension. ;-)
--

Peter

On May 13, 9:44*pm, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to, whether
it's for
food - weekly living expenses, home and financial investment, etc.

I'm not gonna read the 230+ thread on this subject, but since I live
alone, I keep my hot water heater turned off up until 30 minutes
before I need to take a shower.

Also, I live in FL, and my pipes are in the attic.

During the summer, I don't even have to use the HW heater, because I
get hot water from the pipes being in the attic.

Appelation Controlee wrote
Jon Danniken wrote
Eric wrote:

What are currently your best saving tips you recommend and also practice,
relating to how you make your money go much further than it used to, whether
it's for food - weekly living expenses, home and financial investment, etc.

You can get two meals of tuna from a can of tuna, but that
same can of tuna can provide several dozen meals of cat.

I do recall reading a while back that tuna is deficient in some
vitamin - E, I think - that is essential to the wellbeing of cats.
The occasional meal would be OK, though.

Doesnt matter if you plan to eat the cat soon after attracting it with the tuna, stupid.

On Sun, 30 May 2010 19:23:04 +1000, "Rod Speed"
wrote:

Appelation Controlee wrote
Jon Danniken wrote
Eric wrote:

What are currently your best saving tips you recommend and also practice,
relating to how you make your money go much further than it used to, whether
it's for food - weekly living expenses, home and financial investment, etc.

You can get two meals of tuna from a can of tuna, but that
same can of tuna can provide several dozen meals of cat.

I do recall reading a while back that tuna is deficient in some
vitamin - E, I think - that is essential to the wellbeing of cats.
The occasional meal would be OK, though.

Doesnt matter if you plan to eat the cat soon after attracting it with the tuna, stupid.


FU2

On 05/30/10 01:01, Appelation Controlee wrote:

wrote:

Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating to how you make your money go much further than it
used to, whether it's for food - weekly living expenses, home and
financial investment, etc.

You can get two meals of tuna from a can of tuna, but that same can of
tuna can provide several dozen meals of cat.

I do recall reading a while back that tuna is deficient in some vitamin - E,
I think - that is essential to the wellbeing of cats. The occasional meal
would be OK, though.

Daughter fills the at-will auto-feeders (big plastic bottles up-ended into
dish-like things) with Kirkland cat food, which the dog eats too. Her oldest
cat lived to be 18, so it's gotta be doing something right. I was amazed that
the dachshund nibbles every once in a while just like the cats -- I had thought
that dogs gobbled every bit of available food.

The dog is a near vegetarian, although she likes cooked meat too. Had we not
shared our food with her (and she doesn't grab, she nibbles politely) she might
have believed that the food-god always made sure there was enough.

--
Cheers, Bev
- - - - - - - - - - - - - - - - - - - - - - - - - - -
Some people are like Slinkies... Not really good for
anything, but they still bring a smile to your face
when you push them down a flight of stairs.

In article ompomelet-FD38C3.20080627052010@news-
wc.giganews.com, says...
Take cash and a written list to the grocery store.
Leave debit cards, credit cards and the checkbook home when you go
shopping. Stick to the list and don't browse.


OTOH, being flexible about how much to spend that trip can mean
stocking up on whatever item happens to be on sale that week.

It just takes the self-discipline to focus on basic items that
you will eventually need, anyway. Which will save money in the
long-term, by avoiding purchases at regular non-sale prices.

Although certain items at my local supermarket are never on sale,
but are still cheaper than stuff that is. Such as store-brand
baked beans, for example.


--
Get Credit Where Credit Is Due
http://www.cardreport.com/
Credit Tools, Reference, and Forum

In article 78858a69-29a2-44f2-af09-
,
says...
On May 13, 9:44=A0pm, Eric wrote:
What are currently your best saving tips you recommend and also
practice, relating
to how you make your money go much further than it used to, whether
it's for
food - weekly living expenses, home and financial investment, etc.

I'm not gonna read the 230+ thread on this subject, but since I live
alone, I keep my hot water heater turned off up until 30 minutes
before I need to take a shower.

Also, I live in FL, and my pipes are in the attic.

During the summer, I don't even have to use the HW heater, because I
get hot water from the pipes being in the attic.


I recall bringing up this kind of idea here in the past, and
someone mentioned the risk of Legionares' Disease growing in the
hot water system, due to lack of sufficient heating to kill it.


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Coffee's For Closers wrote
wrote
Eric wrote

What are currently your best saving tips you recommend and also practice,
relating to how you make your money go much further than it used to, whether
it's for food - weekly living expenses, home and financial investment, etc.

I'm not gonna read the 230+ thread on this subject, but since I live
alone, I keep my hot water heater turned off up until 30 minutes
before I need to take a shower.

Also, I live in FL, and my pipes are in the attic.

During the summer, I don't even have to use the HW heater,
because I get hot water from the pipes being in the attic.

I recall bringing up this kind of idea here in the past, and
someone mentioned the risk of Legionares' Disease growing in the
hot water system, due to lack of sufficient heating to kill it.

In practice that doesnt happen with solar hot water systems.

Rod Speed wrote:
Coffee's For Closers wrote
wrote
Eric wrote

What are currently your best saving tips you recommend and also practice,
relating to how you make your money go much further than it used to, whether
it's for food - weekly living expenses, home and financial investment, etc.

I'm not gonna read the 230+ thread on this subject, but since I live
alone, I keep my hot water heater turned off up until 30 minutes
before I need to take a shower.

Also, I live in FL, and my pipes are in the attic.

During the summer, I don't even have to use the HW heater,
because I get hot water from the pipes being in the attic.

I recall bringing up this kind of idea here in the past, and
someone mentioned the risk of Legionares' Disease growing in the
hot water system, due to lack of sufficient heating to kill it.

In practice that doesnt happen with solar hot water systems.


It does.

But legionnaires is only an issue if you shower, since its inhaled
bacteria that are bad news.

And who wants to shower in tepid water anyway?

all solar and heatpump systems use immersion heaters to get water up to
60C plus if the prime source wont do it.

..
in the long run,
you are much much better off increasing your income

i know it's less fun, but just think about it:

increase your income, say $1 an hour,
or $10 a week, or $25 a month, or whatever,
and see what you have at the end of the year,
vs saving $1 here or $5 there, is clearly better

marc

"marco polo" wrote in message
...
.
in the long run,
you are much much better off increasing your income

i know it's less fun, but just think about it:

increase your income, say $1 an hour,
or $10 a week, or $25 a month, or whatever,
and see what you have at the end of the year,
vs saving $1 here or $5 there, is clearly better

marc

Sounds great, but not always easily done. With the present economy,
employers have cut OT, cut wages, cut hours, and much of the side job part
time stuff has dried up. Increasing income may be better, but saving money
is the only way for millions right now.

On Jun 5, 8:43*pm, marco polo wrote:
.
in the long run,
you are much much better off increasing your income

i know it's less fun, but just think about it:

increase your income, say $1 an hour,
or $10 a week, or $25 a month, or whatever,
and see what you have at the end of the year,
vs saving $1 here or $5 there, is clearly better

marc

Well damn.....I gonna tell my boss Monday that I want a $1.00 an hour
raise...and then next week I'm gonna ask for another $1.00

Get real.

Even if you get a raise, when should you cut back on what saves money?

On Jun 5, 11:53*pm, "Ed Pawlowski" wrote:
"marco polo" wrote in message

...

.
in the long run,
you are much much better off increasing your income

i know it's less fun, but just think about it:

increase your income, say $1 an hour,
or $10 a week, or $25 a month, or whatever,
and see what you have at the end of the year,
vs saving $1 here or $5 there, is clearly better

marc

Sounds great, but not always easily done. *With the present economy,
employers have cut OT, cut wages, cut hours, and much of the side job part
time stuff has dried up. *Increasing income may be better, but saving money
is the only way for millions right now.

IF, you get a raise is no reason to stop doing whatever it is that you
do that saves you money.

In article d5334a06-add5-44fd-ad9d-
,
says...

in the long run,
you are much much better off increasing your income

i know it's less fun, but just think about it:

increase your income, say $1 an hour,
or $10 a week, or $25 a month, or whatever,
and see what you have at the end of the year,
vs saving $1 here or $5 there, is clearly better


It depends on what you do with the extra money. If you just blow
every dollar as soon as you get it, on random, wasteful stuff,
then it doesn't help.

There are people making $100k/yr and living paycheque to
paycheque, above their means, and loaded with debt. If they lose
their job, they won't even have next month's mortgage money. They
will be lining up at a food bank within weeks.

Whereas there are people with much lower incomes who have a
healthy emergency fund, zero debt, etc.


--
Get Credit Where Credit Is Due
http://www.cardreport.com/
Credit Tools, Reference, and Forum

On 06/05/10 20:53, Ed Pawlowski wrote:

"marco wrote in message
...
.
in the long run,
you are much much better off increasing your income

i know it's less fun, but just think about it:

increase your income, say $1 an hour,
or $10 a week, or $25 a month, or whatever,
and see what you have at the end of the year,
vs saving $1 here or $5 there, is clearly better

marc

Sounds great, but not always easily done. With the present economy,
employers have cut OT, cut wages, cut hours, and much of the side job part
time stuff has dried up. Increasing income may be better, but saving money
is the only way for millions right now.

AND the money you save isn't taxable!

--
Cheers,
Bev
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"We returned the General to El Salvador, or maybe Guatemala,
it's difficult to tell from 10,000 feet." -- Anon.