By Dave Ramsey - must by book if you are in debt and want to be debt free. His saying "Live like no one else so later you can LIVE like no one else."
He has a lot of inspiring stories filled with sound advice. He breaks everything down in "baby steps" and if you get off track go back one or two steps. He even provides spreadsheets to make the process seem easy - it is hard work to change your own way of thinking - but it works.
Since reading his book I have started my emergency fund, and paid off a couple of small credit cards.
On another note, we now have my son's dog. She is adorable (will have to post pics later). Her name is Whiskey and is a boxer and all puppy (terrible twos all over again). You have to keep her in you eye sight at all times.
Nolan has soccer practice this morning and I must to get allergy shots, since it was way too crowed last week. Skipping a week is not a good idea especially in the spring, my worst time of the year.
I have to work tomorrow, ugh! Just for a couple of hours and then a hair cut.
Saturday, March 14, 2009
Friday, January 16, 2009
Financial Goals Part Two
I have been reading a lot of blogs about saving money and paying off debt. It is nice to read how others are trying to do the same.
Check out this posting on Money Saving Mom, and look at all the links of everyone that is budget minded.
I loved to be pampered by getting my nails done, pedicures, massages - for 2009 I will cut these costs down. By not getting my nails down I will save over $550 - 650 year and limiting pedicures to every other month will reduce another $150 - 200. I hardly get massages like I use to - usually will take them as a gift, about twice a year. This all means a higher payment to those credit cards.
I have listed the credit cards by interest rate & balance and the plan here is pay more to the higher rates until they are paid off. I have less credit cards than the average person, just 2 major and 3 department stores. Do you know most people have an average of seven - eight credit cards.
Check out this posting on Money Saving Mom, and look at all the links of everyone that is budget minded.
I loved to be pampered by getting my nails done, pedicures, massages - for 2009 I will cut these costs down. By not getting my nails down I will save over $550 - 650 year and limiting pedicures to every other month will reduce another $150 - 200. I hardly get massages like I use to - usually will take them as a gift, about twice a year. This all means a higher payment to those credit cards.
I have listed the credit cards by interest rate & balance and the plan here is pay more to the higher rates until they are paid off. I have less credit cards than the average person, just 2 major and 3 department stores. Do you know most people have an average of seven - eight credit cards.
Tuesday, January 13, 2009
Financial Goals
Every year one of my biggest resolutions is to have less debt. Well this last year (2008) I gained more debt than expected.
So I started to evaluate all the extras. HBO, NETFLIX, AOL and COX, second phone line, cell phones. In order to apply more to the credit cards I need more. I decided to cancel: HBO, NETFLIX and the second phone line which is a monthly savings of $67 equaling $804 per year.
Since I have Cox high speed, do I really need AOL? Since I have cell phones do I really need a land line for the house?
Eating out and on the run also creates unnecessary costs. Here the plan is simple, plan meals and eat at home more often, use eating out as an reward.
Grocery bills are the another BIG junk of $$$. We will shop when we need to and use coupons, from the paper and online and most importantly stick to a list. If it is not on the list it is not NEEDED.
I am sure there are areas that I am missing - would love to know how you plan to save in 2009. Please share your thoughts.
So I started to evaluate all the extras. HBO, NETFLIX, AOL and COX, second phone line, cell phones. In order to apply more to the credit cards I need more. I decided to cancel: HBO, NETFLIX and the second phone line which is a monthly savings of $67 equaling $804 per year.
Since I have Cox high speed, do I really need AOL? Since I have cell phones do I really need a land line for the house?
Eating out and on the run also creates unnecessary costs. Here the plan is simple, plan meals and eat at home more often, use eating out as an reward.
Grocery bills are the another BIG junk of $$$. We will shop when we need to and use coupons, from the paper and online and most importantly stick to a list. If it is not on the list it is not NEEDED.
I am sure there are areas that I am missing - would love to know how you plan to save in 2009. Please share your thoughts.
Friday, January 09, 2009
Mathematical
From a strictly mathematical viewpoint, it goes like this:
What Makes 100%? What does it mean to give MORE than 100%? Ever wonder about those people who say they are giving more than 100%? We have all been to those meetings where someone wants you to give over 100%. How about achieving 103%?
What makes up 100% in life?Here's a little mathematical formula that might help you answer these questions:
If:A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
is represented as:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26
Then:
H-A-R-D-W-O-R-K8+1+18+4+23+15+18+11 = 98%
And,
K-N-O-W-L-E-D-G-E11+14+15+23+12+5+4+7+5 = 96%
But,
A-T-T-I-T-U-D-E1+20+20+9+20+21+4+5 = 100%
And,
B-U-L-L-S-H-I-T2+21+12+12+19+8+9+20 = 103%
AND, look how far ass kissing will take you
A-S-S-K-I-S-S-I-N-G 1+19+19+11+9+19+19+9+14+7 = 127%
Thus, one can conclude with mathematical certainty that, while Hard work and Knowledge will get you close, and Attitude will get you there, Bullshit and Ass kissing will put you over the top.
What Makes 100%? What does it mean to give MORE than 100%? Ever wonder about those people who say they are giving more than 100%? We have all been to those meetings where someone wants you to give over 100%. How about achieving 103%?
What makes up 100% in life?Here's a little mathematical formula that might help you answer these questions:
If:A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
is represented as:
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26
Then:
H-A-R-D-W-O-R-K8+1+18+4+23+15+18+11 = 98%
And,
K-N-O-W-L-E-D-G-E11+14+15+23+12+5+4+7+5 = 96%
But,
A-T-T-I-T-U-D-E1+20+20+9+20+21+4+5 = 100%
And,
B-U-L-L-S-H-I-T2+21+12+12+19+8+9+20 = 103%
AND, look how far ass kissing will take you
A-S-S-K-I-S-S-I-N-G 1+19+19+11+9+19+19+9+14+7 = 127%
Thus, one can conclude with mathematical certainty that, while Hard work and Knowledge will get you close, and Attitude will get you there, Bullshit and Ass kissing will put you over the top.
Friday, December 26, 2008
Did you get everything you desired?
I had a wonderful Christmas day. Spent with friends and family. Matt stayed the night. He had a couple of friends over on Christmas Eve. Yesterday some dear friends stopped by for dinner and games. So is anyone hitting the stores for some after Christmas sales? I plan to stay the day at home in the warm house. It is a cold and windy day here in LV and I am resting before the long week ahead. The decorators are beginning today and will busy getting ready for the BIG NYE parties in store.
Friday, December 19, 2008
Really?
A snow day in Las Vegas? Yes, schools closed. Well my side of town only saw a couple of inches other areas of Las Vegas experienced eight to ten inches of snow. A huge storm came in Wednesday - Thursday. The commute was crawl and the airport was practically shut down. There were quite a few flights that were diverted to LA.
Young love - too fast, too hard. What happens when one falls out of love? How do you comfort a young person? Why is the first love so hard to get over? Why do young people say "I'm not good enough for you - you deserve someone better." Though I may think this is true - how do you tell a young person that they are an amazing person and they have a lot to offer? How do you explain that people change especially at such a young age?
Are you ready for Christmas - me heck no, I will be finishing up this weekend. I still cannot believe we are in December - Winter is here next week.
Young love - too fast, too hard. What happens when one falls out of love? How do you comfort a young person? Why is the first love so hard to get over? Why do young people say "I'm not good enough for you - you deserve someone better." Though I may think this is true - how do you tell a young person that they are an amazing person and they have a lot to offer? How do you explain that people change especially at such a young age?
Are you ready for Christmas - me heck no, I will be finishing up this weekend. I still cannot believe we are in December - Winter is here next week.
Saturday, December 06, 2008
The weekend
Yes - very thankful. Been a hectic week at work. The weather is quite nice today - a little chilly but beautiful blue skies. Which is good since Nolan has a soccer tournament this weekend.
So today looks crazy:
Allergy shots
Zumba class
Soccer game
take time for lunch
Soccer game
Rich's dad sent me a birthday card - so super nice of him. Rich just re-united with him last December. We have been so busy and I have been under the weather so we will celebrate next weekend.
So today looks crazy:
Allergy shots
Zumba class
Soccer game
take time for lunch
Soccer game
Rich's dad sent me a birthday card - so super nice of him. Rich just re-united with him last December. We have been so busy and I have been under the weather so we will celebrate next weekend.
Tuesday, December 02, 2008
what happened - it's December
Really what happened to November? Blinked and it was gone.
Been incredibly busy both at home and work. Where to start...
Nolan is doing an amazing job as the soccer captain - we are really proud of him. He has a tournament this weekend. Two games on Saturday and two on Sunday. Practice on Thursday and a league game on Monday and practice on Tuesday. The official title of soccer mom is very prominent.
Molli got me hooked on the Twilight series. So I read the first three books and I am working on the fourth. Before I went to see the movie, I read the reviews, listened to the radio shows - not very good so my expectations were not high - the movie was terrible. The acting was substandard and the special effects - they missed it completely - it could have been so much better - the potential was there.
Thanksgiving was spent with family and friends. Played Rock Band and some cards. My mother in-law joined us on Friday and went home today.
Work is crazy - my job never ends - there is never a slow period, in fact since occupancy is low we tend to have a lot of events planned to get players in during key times. So the week before Thanksgiving we had a five day shopping spree for our loyal customers. Next Monday and Tuesday a slot tournament, the following Sunday is a Drawing. Followed by a Poker tournament and then that leads us right to New Year's Eve.
Been incredibly busy both at home and work. Where to start...
Nolan is doing an amazing job as the soccer captain - we are really proud of him. He has a tournament this weekend. Two games on Saturday and two on Sunday. Practice on Thursday and a league game on Monday and practice on Tuesday. The official title of soccer mom is very prominent.
Molli got me hooked on the Twilight series. So I read the first three books and I am working on the fourth. Before I went to see the movie, I read the reviews, listened to the radio shows - not very good so my expectations were not high - the movie was terrible. The acting was substandard and the special effects - they missed it completely - it could have been so much better - the potential was there.
Thanksgiving was spent with family and friends. Played Rock Band and some cards. My mother in-law joined us on Friday and went home today.
Work is crazy - my job never ends - there is never a slow period, in fact since occupancy is low we tend to have a lot of events planned to get players in during key times. So the week before Thanksgiving we had a five day shopping spree for our loyal customers. Next Monday and Tuesday a slot tournament, the following Sunday is a Drawing. Followed by a Poker tournament and then that leads us right to New Year's Eve.
Monday, October 27, 2008
That sums it all up!
Is there any truth in Horoscopes?
Here is mine for today - puts a lot of things in perspective.
Remember all those resolutions you've made in the past, dear Sagittarius? Now, it is time to recommit to those resolutions. All signs indicate that you need to start taking better care of yourself. You've been so busy working that taking time to exercise has begun to feel like a luxury you can't afford. Actually, exercise and proper nutrition are luxuries you can't afford not to take. You've been burning the candles at both ends lately and you are beginning to feel the effects. Stop before you get burned out completely!
What do you think? I say yes! Over the weekend I made a silent commitment to resume a more disciplined exercise routine and to not eat as much and certainly each less "junk."
I had gone to quick Care on Friday - an acute infection in the throat, swollen glands that had pressed on the wrong nerves and sent intense pains up the neck and into the ear. So I decided more gym time - I always feel healthier when I am in my best shape. I get a "high" when I workout on a regular basis.
Here is mine for today - puts a lot of things in perspective.
Remember all those resolutions you've made in the past, dear Sagittarius? Now, it is time to recommit to those resolutions. All signs indicate that you need to start taking better care of yourself. You've been so busy working that taking time to exercise has begun to feel like a luxury you can't afford. Actually, exercise and proper nutrition are luxuries you can't afford not to take. You've been burning the candles at both ends lately and you are beginning to feel the effects. Stop before you get burned out completely!
What do you think? I say yes! Over the weekend I made a silent commitment to resume a more disciplined exercise routine and to not eat as much and certainly each less "junk."
I had gone to quick Care on Friday - an acute infection in the throat, swollen glands that had pressed on the wrong nerves and sent intense pains up the neck and into the ear. So I decided more gym time - I always feel healthier when I am in my best shape. I get a "high" when I workout on a regular basis.
Friday, October 17, 2008
Hit & Run ~ My cousin
My cousin has suffered broken bones - nose, several in the wrist and possibly a broken back and multiple other injuries.
We are hoping if anyone has seen anything last night that they report it. This all took place in Dixon CA. Please read the article below.
Ed will be in the hospital for a while and has a wonderful, beautiful wife and two daughters. They need your help to find out who hit him.
Info sought in man's injury
By Kimberly K. Fu/ KFu@TheReporter.com
Article Launched: 10/17/2008 07:17:35 AM
The California Highway Patrol is asking for the public's help in determining how a Dixon man was injured Thursday night on a Dixon roadway.
Around 5:45 p.m., 45-year-old Edward John Ballerini reportedly was jogging in the area of Midway and Pitt School roads. A passing motorist saw him checking his watch on one side of Midway Road and then crossing to the other side, California Highway Patrol officials said. Fifteen minutes later, the motorist reportedly drove through the area again, only to notice the commotion on the roadway and learn that the pedestrian he had seen earlier was at the center of it.
It turns out that, shortly after 6 p.m., another passing motorist noticed a hat and other items lying near a ditch off Midway Road at Pitt School Road, officials said. For some reason, she pulled over to check it out. And found the victim, later identified as Ballerini, in the ditch.
The victim was conscious, CHP Officer Julie Saraiva said, and suffered cuts to his face, right arm and wrist. Memory loss, it seems, was also an issue.
"He doesn't remember anything," Saraiva said. "He doesn't even know where he is."
No vehicles were in the vicinity of the accident scene and no eyewitnesses were in the area, either.
The victim was later airlifted by REACH ambulance to the University of California, Davis, Medical Center in Sacramento. His condition was unavailable at press time.
Anyone with information regarding this incident is asked to call the California Highway Patrol during normal business hours at 428-2100 or 1-800-TELL-CHP.
We are hoping if anyone has seen anything last night that they report it. This all took place in Dixon CA. Please read the article below.
Ed will be in the hospital for a while and has a wonderful, beautiful wife and two daughters. They need your help to find out who hit him.
Info sought in man's injury
By Kimberly K. Fu/ KFu@TheReporter.com
Article Launched: 10/17/2008 07:17:35 AM
The California Highway Patrol is asking for the public's help in determining how a Dixon man was injured Thursday night on a Dixon roadway.
Around 5:45 p.m., 45-year-old Edward John Ballerini reportedly was jogging in the area of Midway and Pitt School roads. A passing motorist saw him checking his watch on one side of Midway Road and then crossing to the other side, California Highway Patrol officials said. Fifteen minutes later, the motorist reportedly drove through the area again, only to notice the commotion on the roadway and learn that the pedestrian he had seen earlier was at the center of it.
It turns out that, shortly after 6 p.m., another passing motorist noticed a hat and other items lying near a ditch off Midway Road at Pitt School Road, officials said. For some reason, she pulled over to check it out. And found the victim, later identified as Ballerini, in the ditch.
The victim was conscious, CHP Officer Julie Saraiva said, and suffered cuts to his face, right arm and wrist. Memory loss, it seems, was also an issue.
"He doesn't remember anything," Saraiva said. "He doesn't even know where he is."
No vehicles were in the vicinity of the accident scene and no eyewitnesses were in the area, either.
The victim was later airlifted by REACH ambulance to the University of California, Davis, Medical Center in Sacramento. His condition was unavailable at press time.
Anyone with information regarding this incident is asked to call the California Highway Patrol during normal business hours at 428-2100 or 1-800-TELL-CHP.
Sunday, October 05, 2008
IU, Soccer
What a wonderful weekend - Ginger, Teresa, Layle and Janna all did an amazing job this weekend - I needed to be inspired and they did not let me down - Thank you - I had lost interest in scrapbooking and you all brought it back.
I happy to announce that Nolan's team, Vegas United, won their first game, 5- 0. I missed the game but there are more to come. I guess the crowd went crazy when Nolan put some fancy foot skills (juke) on the other team. Coach Ryan called after the game and told Nolan what an awesome job he did. Nolan had four assists.
I happy to announce that Nolan's team, Vegas United, won their first game, 5- 0. I missed the game but there are more to come. I guess the crowd went crazy when Nolan put some fancy foot skills (juke) on the other team. Coach Ryan called after the game and told Nolan what an awesome job he did. Nolan had four assists.
Wednesday, October 01, 2008
Happy October
It's suppose to be fall - right? It will be ninety-five degrees here. Love this city!
It is Halloween month - get to decorate the front yard.
Thanksgiving is just around the corner. Worse so is Christmas! So that means I will be asking for Christmas lists - What do you want Santa to bring you?
This weekend is Inspiration Unlimited - can't wait to see Ginger - always fun. I am taking Friday off to help out.
Yesterday a customer from Manchester, England brought Nolan a soccer jersey with Ronaldo's name on the back - his favorite soccer player. Nolan wore the shirt to practice last night to break in proper - lots of sweaty boy germs.
It is Halloween month - get to decorate the front yard.
Thanksgiving is just around the corner. Worse so is Christmas! So that means I will be asking for Christmas lists - What do you want Santa to bring you?
This weekend is Inspiration Unlimited - can't wait to see Ginger - always fun. I am taking Friday off to help out.
Yesterday a customer from Manchester, England brought Nolan a soccer jersey with Ronaldo's name on the back - his favorite soccer player. Nolan wore the shirt to practice last night to break in proper - lots of sweaty boy germs.
Monday, September 29, 2008
Are you disappointed?
in Desperate Housewives? I am - what was that all about?
I am currently watching the first half of Dancing with the Stars then I will switch over to Prison Break.
At work I am working on New Years, Super Bowl and budgeting.
I am official owner of one share of stock at work - the Chairman of the Board gave every salaried employee one of his personal shares of stock. Yes we have Employee Stock Options - but that is under the name of all the employees or better known as ESOP - this is in my name. It was a nice - not worth much but nice.
Nice to have a short work week - gonna help Ginger this weekend! I know she mentioned something about margaritas - sounds yummy.
Went to the gym yesterday with Molli (our Sunday ritual) - in case you are interested - I'm sore today, hope she does not kill me.
Since we are all trying to save money - thought I would share the site with you:
www.moneysavingmom.com she has helpful tips from using coupons to making a few extra $$$. I have earned a lot from this site.
I am currently watching the first half of Dancing with the Stars then I will switch over to Prison Break.
At work I am working on New Years, Super Bowl and budgeting.
I am official owner of one share of stock at work - the Chairman of the Board gave every salaried employee one of his personal shares of stock. Yes we have Employee Stock Options - but that is under the name of all the employees or better known as ESOP - this is in my name. It was a nice - not worth much but nice.
Nice to have a short work week - gonna help Ginger this weekend! I know she mentioned something about margaritas - sounds yummy.
Went to the gym yesterday with Molli (our Sunday ritual) - in case you are interested - I'm sore today, hope she does not kill me.
Since we are all trying to save money - thought I would share the site with you:
www.moneysavingmom.com she has helpful tips from using coupons to making a few extra $$$. I have earned a lot from this site.
Saturday, September 06, 2008
Tagged
So six things about myself...
1) I hate mushy and slimy foods, eggs & mushrooms are at the top.
2) I am scared of clowns.
3) I am from a small town in CA - will only go to visit - will not move back - I love Vegas!
4) If you have something stuck in your teeth - I will tell so that you do not look like a dork.
5) I love to exercise - I even like to sweat, let's me know what I am doing is working - abs are my favorite.
6) I have terrible allergies - since I was a kid, so allergy shots are a part of my life - I am not afraid of needles - I even donate blood.
so there you go.
1) I hate mushy and slimy foods, eggs & mushrooms are at the top.
2) I am scared of clowns.
3) I am from a small town in CA - will only go to visit - will not move back - I love Vegas!
4) If you have something stuck in your teeth - I will tell so that you do not look like a dork.
5) I love to exercise - I even like to sweat, let's me know what I am doing is working - abs are my favorite.
6) I have terrible allergies - since I was a kid, so allergy shots are a part of my life - I am not afraid of needles - I even donate blood.
so there you go.
Tuesday, August 26, 2008
Work, soccer, gym
Today felt like a Monday - yikes. Fires, all the fires, all the complaints.
Nolan's soccer team really prides itself on getting these kids into shape. So he worked really hard today - he is currently passed out on the couch - I have to wake him to shower.
Do you get a high on the gym? I am back in the groove and really trying to get back in shape. On Sunday Molli and I met and had a great work out - arms, abs, a little cardio. My arms are still sore.
It is hard to get there since Nolan has practice three days a week and Monday's the gym is so crowded. So while Nolan practices, I will walk the park and then the plan is to be at the gym at least three days a week.
Nolan's soccer team really prides itself on getting these kids into shape. So he worked really hard today - he is currently passed out on the couch - I have to wake him to shower.
Do you get a high on the gym? I am back in the groove and really trying to get back in shape. On Sunday Molli and I met and had a great work out - arms, abs, a little cardio. My arms are still sore.
It is hard to get there since Nolan has practice three days a week and Monday's the gym is so crowded. So while Nolan practices, I will walk the park and then the plan is to be at the gym at least three days a week.
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