Linqto Review
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The post Linqto Review appeared first on Well Kept Wallet.
A liquid asset is anything that you currently have in your checking and savings account or any possessions that you own that can easily be converted to cash within a short period of time. This particular type of asset is usually regarded as cash, due to the fact that its value will be the same
The post What Are Liquid Assets? Definition + Examples appeared first on MintLife Blog.
Can you really afford a mortgage? Access your cost of renting vs. owning by using an online calculator that compares your monthly expenditures. As a renter, you may be avoiding certain costs such as: utilities, taxes, home insurance, etc. but you could be building equity. You may also want to calculate how much your future […]
The post Questions to Ask When Thinking About Buying appeared first on Zoocasa Blog.
Show Summary Did somebody move your cheese? The majority of the people in America are afraid of change. They are afraid of somebody moving their cheese. In today’s show, I’m going to…
HO HO HO!
Just like that, the holiday season is upon us!
This year, I intend to do most of my Christmas shopping during a three-week tour of Europe with my cousins. We’re deliberately visiting as many Christmas markets as possible, so I hope to find a variety of interesting and unusual gifts for my family and friends. (They need to be small, though. I don’t have much space to carry things home.)
While I’m buying new (and possibly expensive) gifts this year, that’s not normally my style. I’m a fan of keeping Christmas frugal.
Being a frugal shopper doesn’t mean you can’t give thoughtful gifts though. In fact, my experience has shown that it’s often more fun and rewarding to impose limits on gift-giving. These limits breed creativity and inspiration. “Christmas on a budget” doesn’t have to mean “Christmas without fun”.
This article contains some smart ways to save money on Christmas gifts while celebrating the season. (These tips are great for Christmas, for Hanukkah, for Kwanzaa, for Festivus, or for whatever feast you celebrate this time of year.)
It’s an amazing frugal Christmas savings spectacular!
I have this idea in my head that kids become mercenaries at Christmas, demanding the newest, most popular toys. I’m not sure how I’ve arrived at this notion because that’s certainly not how my brothers and I were when we were younger. Sure, we wanted cool stuff, but we never made demands.
In fact, Dad used to tell the story of how ashamed he was one Christmas when he and Mom were going through a particularly rough patch. They were always poor and struggling with money, but this year was especially bad. They couldn’t afford Christmas presents for us three boys. Rather than cry about it, we went through the toys we already had, wrapped them up, and gave them to each other.
I have only a dim memory of this myself, but Dad used to talk about it often.
This bit of personal family history reminds me of Unplug the Christmas Machine by Jo Robinson and Jean Coppock Staeheli. This book urges readers to escape the commercialism of the holiday season, to make it a “joyful, stress-free” time for the family. In a chapter entitled “The Four Things Children Really Want for Christmas”, the authors write:
One concern voiced by most parents is that of shielding their children from the excesses of holiday commercialism. While adults can mute the TV when the ads get annoying, children are defenseless against the onslaught of ads. As early as the age of four or five, they can lose the ability to be delighted by the sights and sounds of Christmas, only to gain a two-month-long obsession with brand-name toys. Suddenly, all they seem to care about is how many presents they will be getting and how many days are left until they unwrap them.
Many parents find it a challenge to create a simple value-centered Christmas in the midst of all the commercial pressure. But the task is made much easier when parents keep in mind the four things that children really want for Christmas.
Robinson and Staeheli argue that children don’t really want clothes and toys and games. The four things they actually want are:
Because I don’t have kids, I don’t have first-hand experience with their expectations around the holidays. Other folks in the GRS community do, though. A reader named PB, for instance, emailed some similar thoughts. She writes:
We keep our children’s expectations realistic by following an old tradition â that Santa fills the stockings and only the stockings â nothing under the tree. This limits the size and quantity of gifts. Plus, because they’re all relatively sure what they can and cannot wheedle out of parents for tree presents, their expectations are kept in check.
We buy one new outfit for each, usually a special piece of clothing that they really want, and spent only about $100 per child. I also shop all year long and get some real bargains.
We also emphasize doing a lot of things with our church â food delivery to the elderly, singing at nursing homes, and service to others. Our ongoing tradition is a big Christmas eve dinner with lots of friends and then the midnight service, where we all play an instrument or sing in the choir. This is what the kids talk about â not about what they receive.
It seems that the key to keeping kids happy at Christmas is to manage their expectations. But what about exchanging gifts with other adults?
How to Improve the Value of Your Home is a post from Pocket Your Dollars.
In a nutshell: By diligently applying four simple rules, you can move from being at the mercy of money to being a master of money.
In 2004, Jesse and Julie Mecham were twenty-year-old newlyweds trying to make ends meet. They lived in the 300-square-foot basement of a sixty-year-old home. He was pursuing a master’s degree in accounting, while she was finishing a bachelor’s degree in social work. Plus, they were planning for their fist child.
The Mechams felt flat broke.
But because Jesse was (and still is) a self-proclaimed “numbers nerd”, he decided to create a spreadsheet to budget for every day of the year. The couple steadfastly stuck to their budget, and something surprising happened. Despite their meager circumstances, they no longer felt desperate about money. They paid their bills and still had a little left over for a couple of date nights each month.
Later, while brainstorming ways to earn extra money, Jesse wondered if other people would be interested in his budgeting method, which involved four simple rules. He started teaching others these rules and sharing his spreadsheet. In time, that spreadsheet morphed into a piece of software called You Need a Budget [my review].
Today, You Need a Budget is one of the most highly-regarded personal finance apps available. (Seriously. Everyone who uses it seems to love it. Its users are die-hards.)
In his recent book — also called You Need a Budget, naturally — Mecham shares the method that has helped him (and thousands of others) overcome financial anxiety. Let’s take a quick look at the YNAB method.
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This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Rooftops are important in Denver, and here are some apartments with elevated decks that will wow you.
The post 10 Best Apartment Rooftops in Denver appeared first on The Rent. Blog : A Renterâs Guide for Tips & Advice.
We’ll take you on a journey through some of the most exciting and unique things to do in Stamford, CT. Dive into the vibrant city of Stamford, CT and make the most of your new surroundings.
The post 16 Things to Do in Stamford, CT if Youâre New to the City appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.