To curb my splurging on Amazon, I have a designated day — Thursday — as the only day I can buy. So the rest of the week I throw stuff in the cart but “Amazon day” is the only day I can checkout.
I have found the silent killer in our household is subscriptions. I just did a review this week and looked at really DO we need all these and outside of cell phones, the rest are easily discretionary. It was $500+ a month. The other one that is a killer is dry cleaning. Man that is easily $100 a month.
I’ve recently had to admit to myself that I have issues here. I’m now limited to one online purchase per week, regardless of what it is.
This is really helpful. When our new Executive Director started last year, he gave me a small raise to go with my promotion, said he wished it could be more, and hoped to give me another this year.
While the gender wage gap is smaller when factoring in for those things, there is still a gap - even when it’s the same job title at the same company.
Just told my latest employer (when they simply would not come up to where I wanted to be - and a modest number at that) that my hours/duties would have to reflect the very low salary. Of course they push against this all the time, but I remind them that they agreed when negotiating my salary that they couldn’t expect…
Not yet, but the money is ready to move. Just need to clear with my accountant if we qualify for Roth IRA or if it needs to go to a regular IRA.
December was an odd month for me. I got on a kick to clean out parts of the house - primarily the garage and attic - and sold about $1500 worth of “stuff”! So I split the earned money: part of it went toward a much-needed new bed & mattress combo, another part went toward Christmas presents for the family, and another…
I think I did this without knowing about the challenge. I started putting some money into savings so that I have a cushion if I ever get to the breaking point with my job. While it’s only $25/paycheck right now, I’ll be dumping ~$1000 into it in a few days thanks to Christmas, which definitely matches my spending this…
TL;DR version: Writing things off saves you some money in taxes owed, but it doesn’t equal free stuff.
Soooo......Get Out Of Debt. I know it’s not easy, but it’s worth it.
You should see the returns that lottery winners get on a $5 ticket.
Step 1 - set a budget.
Step 2 - get a prepaid visa for that amount (plus like $5 processing).
Step 3 - buy things using the prepaid visa.
Alternatively, discuss with each other what you’d like, or get a shared gift. Surprises can be fun, but only if you actually know the other wants what you’re planning to surprise them with.
This is why I’ve always kept one debit card my wife doesn’t have the login to, and where I funnel the change from errands she sends me on.
That’s not how qualified tuition reductions work, which is what allows grad students to enjoy a free education in exchange for teaching or research.
This article is not for you, then. There are plenty of people like you who try the free trial, and then just keep it. There are also people who burn through free trials, never actually buying anything.
There is no way to comment on this without sounding like a show-off so please bear with me. There are a few tricks I learned that allowed me to completely retire at 47 (I’m 51 now). I was very fortunate that I was raised by my grandparents from a very young age. This provided a completely different prospective to…