I make more than that and only spend 40% it. I guess I'm weird.

To give someone good personal finance advice, you need to know their current financial situation and their goals. General advice will always be inaccurate, but there are principles that are always good. spend less than you make, of course. buy and hold investments for the long term, don't chase after 'hot stocks',…

you're right. There are 3 things that you should do with your money -save, spend, and give. You should have well defined goals for each. In the same way that you don't spend for spending's sake , you do not save for saving's sake. You should know what you are saving for, how much you need to save up, and when you need…

Another way is to back up to a local drive. Not only are backups faster, but can have a service like crash plan that already makes an offsite of your system copy the back to the cloud.

tip based on the level of service ...it's a great way to encourage people to do a good job! If they get the paid the same for no effort or courteously as they do for a lot of effort and courtesy..which behavior do you think will prevail?

I put off sleeping so that I can talk to my friends . They mostly come out at night, mostly.

it's usually when I'm on a roll with knocking out tasks or I get engrossed in a good game when this happens. I think it's natural not to want to stop something good , even when it's prudent to do so .

I've been in that situation as well.

I do my best reflecting when I write in my journal using the Day One app. By using a dedicated application , my mind focuses on what I'm writing. Otherwise, I would be easily be distracted sounds of outdoor traffic, the central cooling blowing air, the noise made by my neighbors, etc. writing thoughts on a notebook is…

It's simple to invest. If you are really scared, use a targeted retirement fund. If you have some knowledge, follow Boglehead's 3 index fund strategy which well get you slightly better returns. The most important thing is to invest now and avoid the risk of buying stocks directly. Diversification is your friend.

this sounds like too much work with the risk of the carpet being pulled out from underneath you. This happened with Public Saving secured card -> http://creditcardforum.com/blog/public-sa…

I always have a pre-purchase inspection( PPI) done before buying any vehicle, even new. That way there are not any surprises after I drive the car off of the lot.

so did buggy-whip makers. When the market shifts, people need to change occupations. Tesla's direct sale model is just the tip of the iceberg .

because it's about the caffeine, not the taste or convenience of saving time by having someone else make a better tasting cup of coffee than I ever could.

quality of life is important. It's really just make more, spend less, and don't get ripped off.

Mine is more like 8-1 as there is not much that I can skip without getting someone miffed at me .

live out of your car, or better yet, someone else's car . Get paid under the table and don't pay your taxes. Don't pay for food , just mooch off of your friends and family's by inviting yourself to their place and raid their fridge.

the best way to save for retirement is to decide how you want to live in retirement. Then caclulate how much that costs and how much you will need to have saved to achieve that lifestyle. Then decide when you want to achieve it. Then calculate how much your need to save every month to acheive your retirement goal.…

It reveals this feature practically a year after Reminders, Remember the Milk, and Omnifocus but, good job anyway.

I find the Costco 24hr fitness deal to be pretty cheap. $14/month at all locations below Supercenter.