embryoconcepts
embryoconcepts
embryoconcepts

Been there. It’s rare to seen personal finance advice for those in lower income and/or higher debt situations. It can be very discouraging when you make all the best choices that can be made from shitty options, and it’s nearly impossible to get ahead. Hope things look up for you, keep looking for opportunities!

Your assumptions are incorrect, your definition of liquid faulty, and your delivery subpar. Depending on the situation, you can get funds from a Roth IRA in as little as 3 days. Certainly, a money market fund would be a wiser choice, depending on the total saved and current income, but heavily dependent on individual

The graphic shows well more than 5% being saved. 5% off the top, then 5% of remaining 95% to an IRA, and another 5% of 95% to savings goals.

Why, hello Pushbullet. I’ve been using MightyText up until now for desktop SMS, but I think I’ll give Pushbullet a try and see what they can offer. Though, no emoji? How can show how I *really* feel?

Most bankruptcies, mine included, are for medical reasons. So much stigma and judgment from people that haven’t experienced the same issues makes it difficult for people to talk about it. The absolute worst aspect of bankruptcy was pushing back against people that assume you are lazy, a cheat, or a spendthrift. I just

But, if you are going to play, and want to be part of organizing your community, I cannot recommend Slack highly enough for organizing your people. Sure, G+ and Hangouts is a natural move for communication, but Slack is better for security and uniting local areas for regional actions.

But..but...how do I move in the game?

I’ve found Indeed to be the place to look for jobs. It pulls in postings from many of the main sites, and you can set email alerts for specific searches.

Ice cream dipped/scooped out of the freezer, into the metal shake mixer. Not a big vat-o-shake.

% of your total monthly budget spent on food: 7% of take home pay, or roughly $300 per month.

1) Do the leaf blower/vacuums live up to their hype? I would mainly use it to gather and bag or compost the leaves. Reckless blowing is really bad for local sewers and waterways.

It's kind of strange how you know what I watched last night...

My hip/thigh/legs are pretty much all knots from sitting for work all day (most of the day spent cross-legged in the desk chair). Just mild pressure along the outside of my thigh feels like I'm digging into bruises - my foam roller is way too dense to take more than a few minutes. I think I need to get some real

We have a side business selling higher-end clothes on eBay. We make an extra effort to give precise measurements for each piece - not just a generic size chart that isn't going to reflect actual sizing. Ever since we started the business, I've started getting all of my own clothes on eBay - much easier to find a

I was a professional organizer for several years. It's not the easiest thing, but immensely rewarding. Physically organizing things really is last step. A lot of the time is spent getting to know your clients, getting to know their needs, lifestyle, workflow, etc. Many people use a PO when there is a major life change

Follow the link - the last image is of what appear to be 2x4 pieces held together with wire, spaced with nails.

My IKEA shade just fell apart last night, and was spending my lunch break looking for decent blackout curtains. THANK YOU!!!

Oh, lordy. When I realized the beau puts the meds in his mouth first, THEN the water? Total mental break.

Another inane restriction - no groups larger than 20 (or was it 25?) at one time. We would only bring 20 bowls to food sharings, so that we wouldn't get arrested. Fun stuff.