I automate payments so that I'm never late on them,

You Need a Budget software let's you add scheduled payments so that periodic charges automatically appear in the register of the account the amount is charged to. For bills that vary, like utilities, I either estimate the amount or put $0. When I reconcile my budget with reality every week, i put the real value…

thank you for the dose of reality, something this article has none of.

Some jobs lend themselves to it, other do not. Mine is probably like yours, which a large volume of work and tight deadlines. I'm the only person who does what I do, so there is not backup, When they need my services, they call me. I connect to the company network over VPN from wherever I am and take care of whatever…

which explains France's financial dilemma -http://articles.latimes.com/2014/feb/23/op…

Which explains France's financial problems.http://articles.latimes.com/2014/feb/23/op…

I second that. I buy unlocked phones on Craigslist and then go with a prepaid carrier. I got burned by ETF's once and will never go through that again.

hey. Kiss my *ss with your spam

good point on the cars. I just replaced a really old Altima with an fast Audi. I went from hating driving to driving just for the experience that the powerful engine and smooth ride gives me.

I've always wanted to learn to play the piano, but never had a home where I could place one and use it without incurring noise complaints from the neighbors. Where I live now, there isn't even room to have one.

Great point . An emergency fund is an emergency fund, not an investment . It job is not to earn you money, it's just is to be there to handle unforeseable expenses so that they don't mess up other categories in your budget .

an asset is something you own, a liability is something you owe. That should make it easy to tell the difference.

don't forget that you can save outside of tax advantages account as well. Don't the annual contribution limit on 401k's or IRA's hold you back.

my thoughts exactly . It is better to invest early over the long term, and the market tends to go up over time .

yep. This article is about timing the market, aka planning your investment strategy around what your think that the market will do at a particular time . Aka speculation.

my instructions said to descale/clean every 6 months. The instructions worked well, but the vinegar taste lasted for 6 flushes ( running water through the machine) after I was done cleaning it.

I hope that you weren't holding your breath until the romance wears off...years later it's still selling very well.

making a sandwich takes a lot more effort than popping a kcup in and pressing a button.

All of my purchases at my local grocery store with my Blue Cash card are coded as grocery, including Amazon gift cards.

holy list of recycled articles, Batman! Another Spring cleaning tip, archive old articles and write fresh ones !