?????????????????

🤑 small money bag | eBay

Most Liked Casino Bonuses in the last 7 days 🎰

Filter:
Sort:
B6655644
Bonus:
Free Spins
Players:
All
WR:
30 xB
Max cash out:
$ 1000

If you love bags, you are going to really LOVE these free bag sewing patterns. More than 30 bags that you can choose from to sew for yourself or others. Everything from tote bags and purses, duffels and messengers, there’s something for everyone here! If it hasn’t already become apparent here at Crazy Little Projects, I love to sew bags.


Enjoy!
Tracking Allowance: Little Money Bags
Valid for casinos
Little Miss Moneybags
Visits
Dislikes
Comments
NEW BIG LOL Surprise Ooh La La Little Baby Sister with Money $ Blind Bags - Video

B6655644
Bonus:
Free Spins
Players:
All
WR:
30 xB
Max cash out:
$ 200

Litter-Robot is the highest rated & reviewed Automatic, Self-Cleaning Litter Box for Cats . 90-Day Money Back Guarantee. 18-Month Warranty. Free Shipping


Enjoy!
small money bag | eBay
Valid for casinos
Tracking Allowance: Little Money Bags
Visits
Dislikes
Comments
little money bags

A67444455
Bonus:
Free Spins
Players:
All
WR:
50 xB
Max cash out:
$ 500

Popular little bags for money of Good Quality and at Affordable Prices You can Buy on AliExpress. We believe in helping you find the product that is right for you. AliExpress carries wide variety of products, so you can find just what you’re looking for – and maybe something you never even imagined along the way.


Enjoy!
small money bag | eBay
Valid for casinos
MONEY: Personal Finance News & Advice
Visits
Dislikes
Comments
I got a random but very strong urge to declutter, and ended up clearing out three bags of things we don't use from the kitchen as well as a full bag click stuff from my closet.
The only thing I never seem to declutter are my books.
I really will get around to reading all o them someday; I believe it!
I joined a gym.
Peanut has been going to a climbing gym for most of a year, and I finally joined as well.
I don't climb, but they have good fitness classes included in the price.
The more classes I go to in a month, the cheaper they are per class!
I'd like to go four times a week but I'm coming up against schedule conflicts.
Working out at home is free, but only if you do it.
Classes motivate me better than anything else.
I'm focusing on strength training for the first time in my life, and it's HARD.
I do not enjoy the classes, but I enjoy the way I feel afterwards.
I tried intermittent fasting and discovered that I like it!
I don't eat from 8 p.
I am not hungry in the mornings and no longer have a mid-morning slump.
It's also made me much more aware of what I'm eating when I am eating, and I've cut out a lot of sugar.
The biggest downside is that I like breakfast foods and we don't have breakfast for dinner very often.
I got a credit card from an airline in order to get enough points for two domestic round-trip tickets.
We'll have enough points on our other card to cover hotel and other stuff, so Peanut and I will get to take another vacation together soon.
I don't have any big financing considerations coming up, so when we are done, I'll close the card and take the hit to my credit score with no little money bags />I got a bunch of new workout clothes to go with my new gym hobby.
Four complete spandex outfits set me back.
My approach to money has changed a lot over the last six months.
This might be lifestyle creep.
Or maybe it's something else.
Basically, I feel like I have enough.
I got a more than 20% raise with my recent job switch.
We are maxing out all retirement options.
We have money left over at the end of the month.
We're bulking up our emergency fund and are even at the point of planning some of those "someday" spends, like a new couch.
The way it primarily plays out for me is Lyft.
We still only have one family car, and I take the bus to work every day.
A few times a month, something will come up that will make taking the bus home in the evening onerous.
A committee meeting that ends so late my bus ride would take two hours, or something like that.
And every time, I marvel at how easy it is for me to make that choice.
Spending money on convenience for myself has always been very difficult.
I can count on one hand the number of times I took a taxi in New York, and I lived there for eight years.
I can count on one finger the number of times I took a taxi by myself for convenience.
I just didn't feel I could afford it, I didn't feel like the convenience outweighed the cost.
So I dealt with some unsafe situations, being alone on the train late at night coming back from performing, because I couldn't bring myself to spend the money.
And now, it's easy.
I don't feel stressed by the cost.
I wouldn't say I think about money less than I used to, but I think about it in a different way.
It feels much more like a tool than a straightjacket.
The other day I was hot and thirsty and my lips were chapped.
So I went into a convenience store to buy a beverage and some chapstick.
I don't mind paying meeting those minimums, as I know it costs money for merchants to accept credit cards.
I recently got one of those little stick-on pockets for my cell phone case, and now I basically carry just my phone, my ID, and my credit card.
I don't carry a wallet anymore, and rarely have cash on me.
Instead, I stumbled into a conversation with the clerk and another customer about a that allows any store that accepts electronic payments to charge a fee equal to their costs, typically expressed as a percent of the purchase, as long as the customer is notified before the transaction.
In this case, it was 3.
This statute has been in effect since last year, but this store was just implementing it and it was a popular topic of conversation.
I say "need" because I didn't need to make this purchase - I can't think of any truly necessary purchases that fall into this category.
We have a good credit card that provides travel rewards, and I use it for almost all my purchases.
Even so, the rewards percentage is only about 1% for non-travel purchases - well below the 3.
Which means that suddenly, paying with a credit card is more expensive, literally.
It's effectively a cash discount.
And if a lot of places start passing that fee along, it'd be pretty noticeable.
Is it going to change my buying behavior?
I think it might.
I'm certainly going to pay attention and start carrying an "emergency twenty" on me like I used to, to avoid paying more than necessary.
The statute is clear that it applies to credit, debit, and other electronic payments, so I'm also going to watch to see whether it shows up on payment money bags that use apps - there are a couple of places where I will pay with LevelUp or a proprietary app that works like a loyalty card.
And what about online bill pay?
It seems like that might be affected too.
I'd have to figure out if the fee would be cheaper than a stamp, I guess.
It also makes me rethink how useful my travel rewards credit card is.
For the 18 months I've had it, it's paid for itself - it offers travel reimbursements up to a few hundred dollars, covered the TSA Pre-Check and Global Entry fees for Peanut and myself, provides access to travel lounges in airports around the world, and in addition to the 1% on all purchases, gives 3% on travel expenses.
I travel about once a month for work, and we went on a vacation last year that was paid for with those points.
I'm on track to get little money bags vacation every 12-18 months if I use the card for everything, but this means I'm paying more for that vacation or taking longer to get it.
Is it worth it then?
Do you think a pass-through fee for credit card use would change your buying behavior?
As people spent more, they got more into debt.
As they got more into debt, they wanted more and more.
As their wants exceeded even the debt-funded shopping sprees cars, trucks, houses, swimming pools, campers, play structures for the kids, etc.
They saw other people with things they wanted.
Things they felt like they deserved.
They hated their jobs but they were stuck.
The bank owned them.
New job, new benefits.
As I was completing all the paperwork, I realized that my employer doesn't sponsor or contribute to an HSA, even though they offer two high deductible health plans.
We already have an HSA - we've been contributing to one at either Peanut's job or my job for years, first at actual expense levels and then fully funding without withdrawing for the last several years.
I know I can add money to our HSA any time I want, but I wanted to make sure that I'm getting all of the benefits of an HSA, including the initial tax benefit.
I love HSAs for their triple-tax protection: contribute pre-tax, withdraw tax-free for medical expenses up until retirement age, when you can withdraw for any purpose tax-free.
My HR person didn't really understand what I was asking about so I did a quick google search and figured it out: we contribute post-tax, and simply deduct the total on our taxes next year.
It feels less impressive somehow, but ends up the same financially.
Peanut and I are now deciding whether to contribute in one lump sum for the year now or on December 31, or at regular intervals throughout the year.
Perhaps not a big insight - but a helpful one for me, and maybe for you too.
Not to be confused with gender parity in the workforce, but it certainly speaks to the need for workplaces to have family-friendly policies around flextime, part-time white collar work, and other accommodations that recognize the fact that this is not the 1950s anymore.
I think this is an absolutely awesome idea.
I have had direct reports in all sorts of situations part time, contract.
No one has approached me with a job share situation, but I think it would probably address every single one of the drawbacks I see as a manager in the current part-time set-ups.
I'd love to propose something like this for future reports.
I am not interested in it for myself so much, because I have a stay-at-home-spouse so I don't feel the pinch of parenting as much as couples where both parents work.
And on the importance of keeping yourself when you become a mom.
The desire to create and contribute doesn't disappear when men become fathers; why do we assume it does when women become mothers?
I'd like to explore that for some of my team, as it might alleviate all the "problems" we experience with having some part-time employees.
I say "problems" because they aren't problematic enough to avoid helping people achieve the work-life balance that keeps their talents where I can use them, but they do create some inconveniences, and my biggest fear - that people are working more hours than little money bags want for less pay, simply because the work will never be done.
While this advice from the Basecamp team is ostensibly about building a business of slow, steady, sustainable growth, it also works as a great analogy for living within a budget and planning for retirement.
We are paid less for the same work, are more likely to be in professions which pay less overall, are more likely to take time off work, are less likely to contribute to retirement savings in the first place - oh, and we live longer.
If I could impart one thing to each of my 20-something coworkers is that there is pretty much no sacrifice too large for them right now to get a solid retirement savings plan in place.
I accepted a new job at the end of last year.
It's in my same field but a step up to a bigger company, bigger team, bigger budget, bigger goals.
I finally broke through six figures!
Five years ago, I had just left my job to go on maternity leave with Pickle.
I knew we had a very sick baby, and I knew I was going to have to stay home with her for longer than I'd planned.
I also "knew" that I was ruining my career by doing this, but what else could I do?
It was obvious who had to stay home.
I had heard all my life that as a woman if you step out of the race for kids, you lose your chances at high-paying jobs, at career advancement.
I bought into it and when I started trying to go back to work I undersold myself, badly.
A lucky break got my foot in the door at my last job, and I proved the heck out of myself.
I was so hungry to be back at work, to be doing what I love and what I trained for.
I knocked it out of the park for two years and got recruited to join the new place.
I am definitely making more than I would be making if I had stayed on the track I was on.
Obviously, everyone's story is different, and my situation includes at least as much luck as talent or skill.
But staying home with babies does not have to be a career death-sentence.
I don't think there's a magic formula for making it work, except to say that don't let anyone else talk you out of your own worth.
I was able to identify some skills that staying at home taught me - negotiation, advocacy, perspective, superduper budgeting skills - and how those translate into the workplace.
I learned a lot about myself and what I want out of life, which gives me a drive I little money bags had before.
And that catapaulted me higher than I'd be if I hadn't had something to stretch for.
So far, the new job is going well.
We're trying to avoid lifestyle creep.
As we did last year, we'll be maxing out my pre-tax retirement account, as well as fully funding Roth IRAs and an HSA.
Last year, that was all we could do, but this little money bags we'll have a little extra to start saving towards the kids' college funds or general savings for something else.
The biggest danger of lifestyle creep so far has been lunches - I've been invited to lunch multiple times every week since I started and that make sense as I'm getting to know people but isn't something I want to get used to.
Otherwise, we are living much like we did when we made half as much, which sets our future up for even better things.
I did feel a particular satisfaction sailing past it, but hopefully I can be content here for a while.
I read a lot of books in 2017 - 115 to be exact.
And yes, that was while working full-time with two children under five.
How do I do it?
I have a stay-at-home husband, which is the answer to almost everything in my life.
Also, I take the bus to work and make time to read in the evenings instead of watching TV.
Here, in no particular order and without much commentary, are the best books I read in 2017.
It's the best one!
If you are or know a teenage girl, see more is great.
It's The Content Trap lite.
My least favorite book of the year was a tie between and.
Which, yes, won the Newbery Award and which everyone else on the planet loved.
I can't explain it.
What should I read next?
This book was such fun!
I love narrative nonfiction and especially interesting tidbits of history, but this book looked at each of the inventions through their effects on the economy.
It's a fascinating take on everyday items and ideas that shape our modern world.
One thing that stuck out at me was how many of the things that had the biggest impact did so because their primary use was to free up women's time.
The plow, the pill, the TV dinner - these and so many other inventions shaped the economy because they freed women up to join the workforce.
I did a stint as a stay at home mom and homemaker, and I found it really overwhelming in terms of drudgery, boredom, repetitive work - and I had a washing machine, a dishwasher, a microwave, all those things leather money bags help make my daily life less filled with the kind of work that my female ancestors would have dealt with.
Another thing that I found really interesting was how many of these inventions aren't things as much as they are concepts.
Money, timekeeping, patents and copyrights - all fabrications from the human mind, not products that we can touch.
The best representation of money I've ever heard was a story about a time when the banks closed in Ireland.
People survived by writing checks since they didn't have access to their cash, and it worked.
It shows how much money is really theoretical and doesn't have much to do with paper and coins.
There are lots of interesting anecdotes like this that carry through the book, and if you have any interest in how our modern world works, I highly recommend it.
Really important stuff here!
We found it to be true that as a dual-income-with-kids family, two incomes did not leave us with more money - in fact, we were paying for the privilege of me going back to work.
Having only one working parent has always given us more discretionary spending money, even when that income was half of what I'm currently making.
https://money-slots-bonus.website/bag/32-slot-gem-bag.html are additional important points throughout this excellent article, including the comment about how disability insurance for stay-at-home parents is critical and very little money bags to find.
We are lucky that Peanut's disability insurance from when he was working will continue to cover him now as long as we keep the premium paid on time.
I couldn't find any kind of disability insurance for a no-income spouse when I was at home, and I know of only one company now that offers it.
Selection librarians from my local library system werealong with the most popular books of 2017.
I'm a library super user, with 20+ books and ebooks checked out at any given time.
The kids and I go weekly to pick up new books and return the ones we're done with.
Our local branch has an excellent play area, and we've made friends with neighborhood people we see regularly.
I use the hold system and the interlibrary loan system extensively, and have even checked out a power tester for free.
I've also booked a number of offsite meetings for work at the library, giving us a distraction-free and literally free workspace for creative work and planning.
But on the other hand.
And that culture of childhood is threatened.
I'll have more to say on this later in 2018.
This is a super interesting and eye-opening look at what it takes to be successful on Kickstarter.
Read fewer books, but more fiction.
While most people who put anything about reading on their New Year's Resolutions list are probably hoping to read more, I'd like to read less.
I read 115 books in 2017 and no, that doesn't include books I read out loud to the kids.
I tend to get hooked on a topic and then read 8-10 books on the subject, but I find that after book 3 or 4, there are diminishing returns.
So I don't really need to be reading more books - I'm aiming for quality over quantity this year.
I'm going to try to read 2 fiction books to every non-fiction title, aiming to read for pleasure as much as for learning.
I'm aiming for 75 books overall, or about 1.
Organize my digital life.
I want to DO something with the saved links, the starred blog posts, the pinned recipes, the downloaded podcasts.
Yesterday, I upgraded to a paid version of Evernote, giving me more space per month, so I'm going to try to put it to good use by storing all of this kind of information in a single place, and setting a dedicated time each week to reviewing the information that I've saved for later and doing something with it.
Things like, actually writing the blog post inspired by that article, or putting the ingredients for that recipe on a shopping list and scheduling a time to try it out, or actually looking back at the notes I took from all those self-improvement books I read this year.
I've put a reminder in my calendar to do this weekly.
This is an idea I got from a couple years ago - instead of always saving up for big wins, aim for a single good money decision each day.
Little things add up and while it may not be super sexy to tweet about "brought my lunch to work five days this week!
It's really in the small decisions.
I'd like to bring a little more intention to my day and awareness to my decisions, so I was thinking of writing down big decisions and my reasons for them, then revisiting them later to see where my thinking is faulty.
Then I saw about his journaling habit, and I thought maybe I could combine them into one new habit.
I've added a reminder onto my calendar to do this every day.
source zero for personal email.
I have a terrible habit of reading emails on my phone, then marking them unread with the intention of replying later.
So my goal is to get to inbox zero by the end of January, only open emails once, and actually respond to people in a timely manner.
And this includes my drafts folder, too.
Not kidding - I have drafts in there from 2012!
With the exception of my seven years with a belly dance troupe, I have always struggled to get enough physical activity.
I'm a sedentary person by nature see 1 above, about how much I read!
But as I get older, I notice the effects of sitting at a computer much more, so I'm going to work on it again in 2018.
I did a push-up challenge in 2017 that did wonders for my back, so I'll repeat that.
I've started doing yoga at home once a week as well.
Spend more time article source physical self-care.
I'm in my mid-thirties, and I'm starting to see the effects of aging.
Which is fine - I actually like both my body and my mind more as I age - but it does mean I can't drop into bed without taking care of my skin anymore!
I'd also like to use up all little money bags samples of stuff I have lying around, from moisturizer to cuticle care to fancy pepperminty exfoliating foot stuff.
Be with the kids when I'm with the kids.
My kids are still at the ages where they want to snuggle me, want to be read to, want to just be with me.
But I'm starting to see it fading.
I want to take advantage of how much they love me now - not reading or being on my phone in the evenings when we're together.
I keep a couple of cans of soup at my desk at work, in case I forget my lunch.
That came in handy this week.
I still got to have a hot lunch with no cost.
Baby bBear is not a baby anymore.
For his third birthday, he got spoiled mightily but not by his parents.
We got him a candy bar and that's it.
He was delighted and I'm happy that it didn't make noise or need batteries.
He did get some other neat toys from his grandparents and that was plenty.
I haven't done any Christmas shopping at all.
I don't really have much to do, just some stocking stuffers for the kids and for the white elephant exchange but that's it.
I still wish I had thought of it in October before the stores were so crowded.
I have been absolutely horrible about tracking my spending this year.
I think I've mentioned that before.
Part of the problem is that I use a Mac for work and I can't access our spreadsheet on it.
So then I just think that I will remember what I spent money on, and of course I don't.
Luckily, I use my credit card for almost everything so at least there is some record of it.
But anything that I pay cash for just basically disappears.
We have a plan for addressing this for the new year.
I'm in a phase of life where I want to spend a lot of money, but I don't actually want to spend the money.
Examples are: I want a new couch, we want to turn the guest room into an office, I want Next Level business clothes.
But I don't actually want to spend the money that I have on any of those things, so instead I just don't do a lot of anything.
Bonus: I have been reading books like crazy from the library, and I am definitely going to hit my 100 book goal for the year.
We had brunch and tacos instead of traditional foods this year, and it was wonderful.
Today when we set up our Christmas tree, it was so warm outside I had the window open at one point.
Very strange for Minnesota!
I didn't participate in BuyNothingDay this year.
I've been needing a better winter coat, and time to go shopping for one without kids, so I went this afternoon.
The mall looked absolutely packed, but I skirted around the edges and checked out some consignment shops instead.
Peanut did pick up a couple of Black Friday specials in the technology department - we've been slowly wiring the whole house up to be a smart house.
Now we have Google Home minis on every floor as well as a chromecast.
They are purchases we would have made eventually, so I'm glad he saved money + got Target gift cards for future purchases.
We recently had our house appraised by the mortgage company to get rid of the PMI we've been paying for the last six years.
AND out of all the houses he's been in, he'd never seen as many books as he saw in my house.
And I bet he didn't even realize that my bookshelves are double- or triple-shelved!
As a lifelong book lover, that made me very happy.
It will be much harder to negotiate these kinds of deals if net neutrality ends.
Our dryer started squealing and then stopped working.
Peanut took it apart and discovered a melted plastic part that had damaged the motor.
I'm inspired by The Frugal Girl and how she always takes her appliances apart to keep them running instead of defaulting to replacement.
In the meantime, we are air-drying everything, which is also working fine - we actually considered not repairing or replacing, but just living without a dryer altogether.
I already line-dry all of my clothes except socks and underwear, but heavy things like towels tend to take a hard save times money long time to dry in our basement.
We also tend to do laundry infrequently but then do six loads in a day which wouldn't be possible without a dryer.
Still, we might explore using the dryer much less even when it is working again.
I used the dishwasher a lot when I stayed home, but Money bags of photo only runs it once a month to keep the seals in tact, and instead uses it as a big drying rack.
There's no reason we HAVE to use those appliances just because we have them.
Thinking ahead to Christmas of courseI feel like this is the year that we are finally going to get out of the rat race.
We've been whittling back our Christmas shopping for years, going from everyone in the extended family exchanging gifts to just for the kids + a white elephant for the adults to just the for kids to now I think it's just grandparents I mean Santa giving to the kids, and my generation giving a group photo to the grandparents a tradition now in its third year.
Peanut and I buy very little for our own family celebration - we haven't exchanged gifts in eight years, I think, and our kids get so much from everyone else.
They already have too many toys, more than they could possibly play with.
I have a couple things laid up from consignment sales that I might bring out, plus a candy bar for each of them.
We do help them to buy small gifts for each other and for us, though, so that they can learn how to be good gift choosers.
But I think Christmas has been so overdone that people are starting to pull back from it.
Maybe that's just my perception, because even the people in our family who used to want to exchange gifts with everyone are not wanting to do that anymore.
Do you feel like Christmas is becoming less about gift-giving the last couple of years, or has it stayed about the same for you?
I will admit, I used to be a Plan to Eat subscriber, but I've let my subscription lapse.
I don't do the meal planning, shopping, or cooking anymore, and Peanut has his own system.
But when I was doing this, I LOVED how easy it was to use.
Better than Pinterest for collecting recipes, searchable by ingredient, with a calendar feature as well as an export meal plan to shopping list feature, organized by the layout of the store.
This post isn't sponsored and links are not affiliate links.
I really think this is a great service and if you struggle with meal planning I think you will love it!
I enjoy reading and writing about personal finance among other topics.
I'm not here to give advice, so take anything I recommend with a grain of salt and after seeking legal, financial, or other professional advice.

🎰 Access Denied

Software - MORE
G66YY644
Bonus:
Free Spins
Players:
All
WR:
30 xB
Max cash out:
$ 500

Consignment shops – online and local stores near you – are a great way to get cash for bags you don’t need or use anymore. We have compiled a list of websites and local stores to help you sell your designer handbags for cash. We’ll also give you some tips and hacks you can use to get more money for your stuff.


Enjoy!
Tracking Allowance: Little Money Bags
Valid for casinos
small money bag | eBay
Visits
Dislikes
Comments
I got a random but very strong urge to declutter, and ended up clearing out three bags of things we don't use from the kitchen as well as a full bag of stuff from my closet.
The only thing I never seem to declutter are my books.
I really will get around to reading all o them someday; I believe it!
I joined a gym.
Peanut has been going to a climbing gym for most of a year, and I finally joined as well.
I don't climb, but they have good fitness classes included in the price.
The more classes I go to in a month, the cheaper they are per class!
I'd like to go four times a week but I'm coming up against schedule conflicts.
Working out at home is free, but only if you do it.
Classes motivate me better than anything else.
I'm focusing on strength training for the first time in my life, and it's HARD.
I do not enjoy the classes, but I enjoy the way I feel afterwards.
I tried intermittent fasting and discovered that I like it!
I don't eat from 8 p.
I am not hungry in the mornings and no longer have a mid-morning slump.
It's also made me much more aware of what I'm eating when I am eating, and I've cut out a lot of sugar.
The biggest downside is that I like breakfast foods and we don't have breakfast for dinner very often.
I got a credit card from an airline in order to get enough points for two domestic round-trip tickets.
We'll have enough continue reading on our other card to cover hotel and other stuff, so Peanut and Source will get to take another vacation together soon.
I don't have any big financing considerations coming up, so little money bags we are done, I'll close the card and take the hit to my credit score with no problem.
I got a bunch of new workout clothes to go with my new gym hobby.
Four complete spandex outfits set me back.
My approach to money has changed a lot over the last six months.
This might be lifestyle creep.
Or maybe it's something else.
Basically, I feel like I have enough.
I got a more than 20% raise with my recent job switch.
We are maxing out all retirement options.
We have money left over at the end of the month.
We're bulking up our emergency fund and are even at the point of planning some of those "someday" spends, like a new couch.
The way it primarily plays out for me is Lyft.
We bag gem 32 slot only have one family car, and I take the bus to work every day.
A few times a month, something will come up that will make taking the bus home in the evening onerous.
A committee meeting that ends so late my bus ride would take two hours, or something like that.
And every time, I marvel at how easy it is for me to make that choice.
Spending money on convenience for myself has always been very difficult.
I can count on one hand the number of times I took a taxi in New York, and I lived there for eight years.
I can count on one finger the number of times I took a taxi by myself for convenience.
I just didn't feel I could afford it, I didn't feel like the convenience outweighed the cost.
So I dealt with some unsafe situations, being alone on the train late at night coming back from performing, because I couldn't bring myself to spend the money.
And now, it's easy.
I don't feel stressed by the cost.
I wouldn't say I think about money less than I used to, but I think about it in a different way.
It feels much more like a tool than a straightjacket.
The other day I was hot and thirsty and my lips were chapped.
So I went into a convenience store to buy a beverage and some chapstick.
I don't mind paying meeting those minimums, as I know it costs money for merchants to accept credit cards.
I recently got one of those little stick-on pockets for my cell phone case, and now I basically carry just my phone, my ID, and my credit card.
I don't carry a wallet anymore, and rarely have cash on me.
Instead, I stumbled into a conversation with the clerk and another customer about a that allows any store that accepts electronic payments to charge a fee equal to their costs, typically expressed as a percent of the purchase, as long as the customer is notified before the transaction.
In this case, it was 3.
This statute has been in effect since last year, but this store was just implementing it and it was a popular topic of conversation.
I say "need" because I didn't need to make this purchase - I can't think of any truly necessary purchases that fall into this category.
We have a good credit card that provides travel rewards, and I use it for almost all my purchases.
Even so, the rewards percentage is only about 1% for non-travel purchases - well below the 3.
Which means that suddenly, paying with a credit card is more expensive, literally.
It's effectively a cash discount.
And if a lot of places start passing that fee along, it'd be pretty noticeable.
Is it going to change my buying behavior?
I think it might.
I'm certainly going to pay attention and start carrying an "emergency twenty" on me like I used to, to avoid paying more than necessary.
The learn more here is clear that it applies to credit, debit, and other electronic payments, so I'm also going to watch to see whether it shows up on payment systems that use apps - there are a couple of places where I will pay with LevelUp or a proprietary app that works like a loyalty card.
And what about online bill pay?
It seems like that might be affected too.
I'd have to figure out if the fee would be cheaper than a stamp, I guess.
It also makes me rethink how useful my travel rewards credit card is.
For the 18 months I've had it, it's paid for itself - it offers travel reimbursements up to a few hundred dollars, covered the TSA Pre-Check and Global Entry fees for Peanut and myself, provides access to travel lounges in airports around the world, and in addition to the 1% on all purchases, gives 3% on travel expenses.
I travel about once a month for work, and we went on a vacation last year that was paid for with those points.
I'm on track to get a vacation every 12-18 months if I use the card for everything, but this means I'm paying more for that vacation or taking longer to get it.
Is it worth it then?
Do you think a pass-through fee for credit card use would change your buying behavior?
As people spent more, they got more into debt.
As they got more into debt, they wanted more and more.
As their wants exceeded even the debt-funded shopping sprees cars, trucks, houses, swimming pools, campers, play structures for the kids, etc.
They saw other people with things they wanted.
Things they felt like they deserved.
They hated their jobs but they were stuck.
The bank owned them.
New job, new benefits.
As I was completing all the paperwork, I realized that my employer doesn't sponsor or contribute to an HSA, even though they offer two high deductible health plans.
We already have an HSA - we've been contributing to one at either Peanut's job or my job for years, first at actual expense levels and then fully funding without withdrawing for the last several years.
I know I can add money to our HSA any time I want, but I wanted to make sure that I'm getting all of the benefits of an HSA, including the initial tax benefit.
I love HSAs for their triple-tax protection: contribute pre-tax, withdraw tax-free for medical expenses up until retirement age, when you can withdraw for any purpose tax-free.
My HR person didn't really understand what I was asking about so I did a quick google search and figured it out: we contribute post-tax, and simply deduct the total on our taxes next year.
It feels less impressive somehow, but ends up the same financially.
Peanut and I are now deciding whether to contribute in one lump sum for the year now or on December 31, or at regular intervals throughout the year.
Perhaps not a big insight - but a helpful one for me, and maybe for you too.
Not to be https://money-slots-bonus.website/bag/guild-wars-2-bag-slots.html with gender parity in the workforce, but it certainly speaks to the need for workplaces to have family-friendly policies around flextime, part-time white collar work, and other accommodations that recognize the fact that this is not the 1950s anymore.
I think this is an absolutely awesome idea.
I have had direct reports in all sorts of situations part time, contract.
No one has approached me with a job share situation, but I think it would probably address every single one of the drawbacks I see as a manager in the current part-time set-ups.
I'd love to propose something like this ice bags money machine slot future reports.
I am not interested in it for myself so much, because I have a stay-at-home-spouse so I don't feel the pinch of parenting as much as couples where both parents work.
And on the importance of keeping yourself when you become a mom.
The desire to create and contribute doesn't disappear when men become fathers; why do we assume it does when women become mothers?
I'd like to click the following article that for some of my team, as it might alleviate all the "problems" we experience with having some part-time employees.
I say "problems" because they aren't problematic enough to avoid helping people achieve the work-life balance that keeps their talents where I can use them, but they do create some inconveniences, and my biggest fear - that people are working more hours than they want for less pay, simply because the work will never be done.
While this advice from the Basecamp team is ostensibly about building a business of slow, steady, sustainable growth, it also works as a great analogy for living within a budget and planning for retirement.
We are paid less for the same work, are more likely to be in professions which pay less overall, are more likely to take time off work, are less likely to contribute to retirement savings in the first place - oh, and we live longer.
If I could impart one thing to each of my 20-something coworkers is that there is pretty much no sacrifice too large for them right now to get a solid retirement savings plan in place.
I accepted a new job at the end of last year.
It's in my same field but a step up to a bigger company, bigger team, bigger budget, bigger goals.
I finally broke through six figures!
Five years ago, I had just left my job to go on maternity leave with Pickle.
I knew we had a very sick baby, and I knew I was going to have to stay home with her for longer than I'd planned.
I also "knew" that I was ruining my career by doing this, but what else could I do?
It little money bags obvious who had to stay home.
I had heard all my life that as a woman if you step out of the race for kids, you lose your chances at high-paying jobs, at career advancement.
I bought into it and when I started trying to go back to work I undersold myself, badly.
A lucky break got my foot in the door at my last job, and I proved the heck out of myself.
I was so hungry to be back at work, to be doing what I love and what I trained for.
I knocked it out of the park for two years and got recruited to join the new place.
I am definitely making more than I would be making if I had stayed on the track I was on.
Obviously, everyone's story is different, and my situation includes at least as much luck as talent or skill.
But staying home with babies does not have to be a career death-sentence.
I don't think there's a magic formula for making it work, except to say that don't let anyone else talk you out of your own worth.
I was able to identify some skills that staying at home taught me - negotiation, advocacy, perspective, superduper budgeting skills - and how those translate into the workplace.
I learned a lot about myself and what I want out of life, which gives me a drive I never had before.
And that catapaulted me higher than I'd be if I hadn't had something to stretch for.
So far, the new job is going well.
We're trying to avoid lifestyle creep.
As we did last year, we'll be maxing out my pre-tax retirement account, as well as fully funding Roth IRAs and an HSA.
Last year, that was all we could do, but this year we'll have a little extra to start saving towards read article kids' college funds or general savings for something else.
The biggest danger of lifestyle creep so far has been lunches - I've been invited to lunch multiple times every week since I started and that make sense as I'm getting to know people but isn't something I want to get used to.
Otherwise, we are living much like we did when we made half as much, which sets our future up for even better things.
I did feel a particular satisfaction sailing past it, but hopefully I can be content here for a while.
I read a lot of books in 2017 - 115 to be exact.
And yes, that was while working full-time with two children under five.
How do I do it?
I have a stay-at-home husband, which is the answer to almost everything in my life.
Also, I take the bus to work and make time to read in the evenings instead of watching TV.
Here, in no particular order and without much commentary, are the best books I read in 2017.
It's the best one!
If you are or know a teenage girl, this is great.
It's The Content Trap lite.
My least favorite book of the year was a tie between and.
Which, yes, won the Newbery Award and which everyone else on the planet loved.
I can't explain it.
What should I read next?
This book was such fun!
I love narrative nonfiction and especially interesting tidbits of history, but this book looked at each of the inventions through their effects on the economy.
It's a fascinating take on everyday items and ideas that shape our modern world.
One thing that stuck out at me was how many of https://money-slots-bonus.website/bag/canvas-money-bags.html things that had the biggest impact did so because their primary use was to free up women's time.
The plow, the pill, the TV dinner - these and so many other inventions shaped the economy because they freed women up to join the workforce.
I did a stint as a stay at home mom and homemaker, and I found it really overwhelming in terms of drudgery, boredom, repetitive work - and I had a washing machine, a dishwasher, a microwave, all those things to help make my daily life less filled with the kind of work that my female ancestors would have dealt with.
Another thing that I found really interesting was how many of these inventions aren't things as much as they are concepts.
Money, timekeeping, patents and copyrights - all fabrications from the human mind, not products that we can touch.
The best representation of money I've ever heard was a story about a time when the banks closed in Ireland.
People survived by writing checks since they didn't have access to their cash, and it worked.
It shows how much money is really theoretical and doesn't have much to do with paper and coins.
There are lots of interesting anecdotes like this that carry through the book, and if you have any interest in how really. no bonus casino reviews accept modern world works, I highly recommend it.
Really important stuff here!
We found it to be true that as a dual-income-with-kids family, two incomes money gift not leave us with more money - in fact, we were paying for the privilege of me going back to work.
Having only one working parent has always given us more discretionary spending money, even when that income was half of what I'm currently making.
There are additional important points throughout this excellent article, including the comment about how disability insurance for stay-at-home parents is critical and very hard to find.
We are lucky that Peanut's disability insurance from when he was working will continue to cover him now as long as we keep the premium paid on time.
I couldn't find any kind of disability insurance for a no-income spouse when I was at home, and I know of only one company now that offers it.
Selection librarians from my local library system werealong with the most popular books of 2017.
I'm a library super user, with 20+ books and ebooks checked out at any given time.
The kids and I go weekly to pick up new books and return the ones we're done with.
Our local branch has an excellent play area, and we've made friends with neighborhood people we see regularly.
I use the hold system and the interlibrary loan system extensively, and have even checked out a power tester for free.
I've also booked a number of offsite meetings for work at the library, giving us a distraction-free and literally free workspace for creative work and planning.
But on the other hand.
And that culture of childhood is threatened.
I'll have more to say on this later in 2018.
This is a super interesting and eye-opening look at what it takes to be successful on Kickstarter.
Read fewer books, but more fiction.
While most people who put anything about reading on their New Year's Resolutions list are probably hoping to read more, I'd like to read less.
I read 115 books in 2017 and no, that doesn't include books I read out loud to the kids.
I tend to get hooked on a topic and then read 8-10 books on the subject, but I find that after book 3 or 4, there are diminishing returns.
So I don't really need personal guild wars 2 slot bags remarkable be reading more books - I'm aiming for quality over quantity this year.
I'm going to try to read 2 fiction little money bags to every non-fiction title, aiming to read for pleasure as much as for learning.
I'm aiming for 75 books overall, or about 1.
Organize my digital life.
I want to DO something with the saved links, the starred blog posts, the pinned recipes, the downloaded podcasts.
Yesterday, I upgraded to a paid version of Evernote, giving me more space per month, so I'm going to try to put it to good use by storing all of this kind of information in a single place, and setting a dedicated time each week to reviewing the information that I've saved for later and doing something with it.
Things like, actually writing the blog post inspired by that article, or putting the ingredients for that recipe on a shopping list and scheduling a time to try it out, or actually looking back at the notes I took from all those self-improvement books I read this year.
I've put a reminder in my calendar to do this weekly.
This is an 20 bag I got from a couple years ago - instead of always saving up for big wins, aim for a single good money decision each day.
Little things add up and while it may not be super sexy to tweet about "brought my lunch to work five days this week!
It's really in the small decisions.
I'd like to bring a little more intention to my day and awareness to my decisions, so I was thinking of writing down big decisions and my reasons for them, then revisiting them later to see where my thinking is faulty.
Then I saw about his journaling habit, and I thought maybe I could combine them into one new habit.
I've added a reminder onto my calendar to do this every day.
Inbox zero for personal email.
I have a terrible habit of reading emails on my phone, little money bags marking them unread with the intention of replying later.
So my goal is to get to inbox zero by the end of January, only open emails once, and actually respond to people in a timely manner.
And this includes my drafts folder, too.
Not kidding - I have drafts in there from 2012!
With the exception of my seven years with a belly dance troupe, I have always struggled to get enough physical activity.
I'm a sedentary person by nature see 1 above, about how much I read!
But as I get older, I notice the effects of sitting at a computer much more, so I'm going to work on it again in 2018.
I did a push-up challenge in 2017 that did wonders for my back, so I'll repeat that.
I've started doing yoga at home once a week as well.
Spend more time on physical self-care.
I'm in my mid-thirties, and I'm starting to see the effects of aging.
Which is fine - I actually like both my body and my mind more as I age - but it does mean I can't drop into bed without taking care of my skin anymore!
I'd also like to use up all the samples of stuff I have lying around, from moisturizer to cuticle care to fancy pepperminty exfoliating foot stuff.
Be with the kids when I'm with the kids.
My kids are still at the ages where they want to snuggle me, want to be read to, want to just be with me.
But I'm starting to see it fading.
I want to take advantage of how much they love me now - not reading or being on my phone in the evenings when we're together.
I keep a couple of cans of soup at my desk at work, in case I forget my lunch.
That came in handy this week.
I still got to have a hot lunch with no cost.
Baby bBear is not a baby anymore.
For his third birthday, he got spoiled mightily but not by his parents.
We got him a candy bar and that's it.
He was delighted and I'm happy that it didn't make noise or need batteries.
He did get continue reading other neat toys from his grandparents and that was plenty.
I haven't done any Christmas shopping at all.
I don't really have much to do, just some stocking stuffers for the kids and for the white elephant exchange but that's it.
I still wish I had thought of it in October before the stores were so crowded.
I have been absolutely horrible about tracking my spending this year.
I think I've mentioned that before.
Part of the problem is that I use a Mac for work and I can't access our spreadsheet on it.
So then I just think that I will remember what I spent money on, and of course I don't.
Luckily, I use my credit card for almost everything so at least there is some record of it.
But anything that I pay cash for just basically disappears.
We have a plan for addressing this for the new year.
I'm in a phase of life where I want to spend a lot of money, but I don't actually want to spend the money.
Examples are: I want a new couch, we want to turn the guest room into an office, I want Next Level business clothes.
But I don't actually want to spend the money that I have on any of those things, so instead I just don't do a lot of read article />Bonus: I have been reading books like crazy from the library, and I am definitely going to hit my 100 book goal for the year.
We had brunch and tacos instead of traditional foods this year, and it was wonderful.
Today when we set up our Christmas tree, it was so warm outside I had the window open at one point.
Very strange for Minnesota!
I didn't participate in BuyNothingDay this year.
I've been needing a better winter coat, and time to go shopping for one without kids, so I went this afternoon.
The mall looked absolutely packed, but I skirted around the edges and checked out some consignment shops instead.
Peanut did pick up a couple of Black Friday specials in the technology department - we've been slowly wiring the whole house up to be a smart house.
Now we have Google Home minis on every floor as well as a chromecast.
They are purchases we would have made eventually, so I'm glad he saved money + got Target gift cards for future purchases.
We recently had our house appraised by the mortgage company to get rid of the PMI we've been paying for the last six years.
AND out of all the houses he's been in, he'd never seen as many books as he saw in my house.
And I bet he didn't even realize that my bookshelves are double- or triple-shelved!
As a lifelong book lover, that made me very little money bags />It will be much harder to negotiate these kinds of deals if net neutrality ends.
Our dryer started squealing and then stopped working.
Peanut took it apart and discovered a melted plastic part that had damaged the motor.
I'm inspired by The Frugal Girl and how she always takes her appliances apart to keep them running instead of defaulting to replacement.
In the meantime, we are air-drying everything, which is also working fine - we actually considered not repairing or replacing, but just living without a dryer altogether.
I already line-dry all of my clothes except socks and underwear, but heavy things like towels tend to take a very long time to dry in our basement.
We also tend to do laundry infrequently but then do six loads in a day which wouldn't be possible without a dryer.
Still, we might explore using the dryer much less even when it is working again.
I used the dishwasher a lot when I stayed home, but Peanut only runs it once a month to keep the seals read more tact, and instead uses it as a big drying rack.
There's no reason we HAVE to use those appliances just because we have them.
Thinking ahead to Christmas of courseI feel like this is the continue reading that we are finally going to get out of the rat race.
We've been whittling back our Christmas shopping for years, going from everyone in the extended family exchanging gifts to just for the kids + a white elephant for the adults to just the for kids to now I think it's just grandparents I mean Santa giving to the kids, and my generation giving a group photo to the grandparents a tradition now in its third year.
Peanut and I buy very little for our own family celebration - we haven't exchanged gifts in eight years, I think, and our kids get so much from everyone else.
They already have too many toys, more than they could possibly play with.
I have a couple things laid up from consignment sales that I might bring out, plus a candy bar for each of them.
We do help them to buy small gifts for each other and for us, though, so that they can learn how to be good gift choosers.
But I think Christmas has been so overdone that people are starting to pull back from it.
Maybe that's just my perception, because even the people in our family who used to want to exchange gifts with everyone are not wanting to do that anymore.
Do you feel like Christmas is becoming less about gift-giving the last couple of years, or has it stayed about the same for you?
I will admit, I used to be a Plan to Eat subscriber, but I've let my subscription lapse.
I don't do the meal planning, shopping, or cooking anymore, and Peanut has his own system.
But when I was doing this, I LOVED how easy it was to use.
Better than Pinterest for collecting recipes, searchable by ingredient, with a calendar feature as well as an export meal plan to shopping list feature, organized by the layout of the store.
This post isn't sponsored and links are not affiliate links.
I really think this is a great service and if you struggle with meal planning I think you will love it!
I enjoy reading and writing about personal finance among other topics.
I'm not here to give advice, so take anything I recommend with a grain of salt and after seeking legal, financial, or other professional advice.

CODE5637
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 500

Buy Coin Bags (Empty) at BGASC. Low Prices, In Stock, Fast Shipping. Call Us (888) 992-4272 or Buy Online at BGASC.com. Heavy Duty Money Bags made of 100% Cotton Canvas (10% Duck). These durable coin bags are double stitched to ensure strength and longevity.


Enjoy!
MONEY: Personal Finance News & Advice
Valid for casinos
MONEY: Personal Finance News & Advice
Visits
Dislikes
Comments
I got a random but very strong urge to declutter, and ended up clearing out three bags of things we don't use from the kitchen as well as a full bag of stuff from my closet.
The only thing I never seem to declutter are my books.
I really will get around to reading all o them someday; I believe it!
I joined a gym.
Peanut has been going to a climbing gym for most of a year, and I finally joined as well.
I don't climb, but they have good fitness classes included in the price.
The more classes I go to in a month, the cheaper they are per class!
I'd like to go four times a week but I'm coming up against schedule conflicts.
Working out at home is free, but only if you do it.
Classes motivate me better than anything else.
I'm focusing on strength training for the first time in my life, and it's HARD.
I do not enjoy the classes, but I enjoy the way I feel afterwards.
I tried intermittent fasting and discovered that I like it!
I don't please click for source from 8 p.
I am not hungry in the mornings and no longer have a mid-morning slump.
It's also made me much more aware of what I'm eating when I am eating, and I've cut out a lot of sugar.
The biggest downside is that I like breakfast foods and we don't have breakfast for dinner very often.
I got a credit card from an airline in order to get enough points for two domestic round-trip tickets.
We'll have enough points on our other card to cover hotel and other stuff, so Peanut and I will get to take another vacation together soon.
I don't have any big financing considerations coming check this out, so when we are done, I'll close the card and take the hit to my credit score with no problem.
I got a bunch of new workout clothes to go with my new gym hobby.
Four complete spandex outfits set me back.
My approach to money has changed a lot over the last six months.
This might be lifestyle creep.
Or maybe it's something else.
Basically, I feel like I have enough.
I got a more than 20% raise with my recent job switch.
We are maxing out all retirement options.
We have money left over at the end of the month.
We're bulking up our emergency fund and are even at the point of planning some of those "someday" spends, like a new couch.
The way it primarily plays out for me is Lyft.
We still only have one family car, and I take the bus to work every day.
A few times a month, something will come up that will make taking the bus home in the evening onerous.
A committee meeting that ends so late my bus ride would take two hours, or something like that.
And every time, I marvel at how easy it is for me to make that choice.
Spending money on convenience for myself has always been very difficult.
I can count on one hand the number of times I took a taxi in New York, and I lived there for eight years.
I can count on one finger the number of times I took a taxi by myself for convenience.
I just didn't feel I could afford it, I didn't feel like the convenience outweighed the cost.
So I dealt with some unsafe situations, being alone on the train late at night coming back from performing, because I couldn't bring myself to spend the money.
And now, it's easy.
I don't feel stressed by the cost.
I wouldn't say I think about money less than I used to, but I think about it in a different way.
It feels much more like a tool than a straightjacket.
The other day I was hot and thirsty and my lips were chapped.
So I went into a convenience store to buy a beverage and some chapstick.
I don't mind paying meeting those minimums, as I know it costs money for merchants to accept credit cards.
I recently got one of those little stick-on pockets for my cell phone case, and now I basically carry just my phone, my ID, and my credit card.
I don't carry a wallet anymore, and rarely have cash on me.
Instead, I stumbled into a conversation with the clerk and another customer about a that allows any store that accepts electronic payments to charge a fee equal to their costs, typically expressed as a percent of the purchase, as long as the customer is notified before the transaction.
In this case, it was 3.
This statute has been in effect since last year, but this store was just implementing it and it was a popular topic of conversation.
I say "need" because I didn't need to make this purchase - I can't think of any truly necessary purchases that fall into this category.
We have a good credit card that provides travel rewards, and I use it for almost all my purchases.
Even so, the rewards percentage is only about 1% for non-travel purchases - well below the 3.
Which means that suddenly, paying with a credit card is more expensive, literally.
It's effectively a cash discount.
And if a lot of places start passing that fee along, it'd be pretty noticeable.
Is it going to change my buying behavior?
I think it might.
I'm certainly going to pay attention and start carrying an "emergency twenty" on me like I used to, to avoid paying more than necessary.
The statute is clear that it applies to credit, debit, and other electronic payments, little money bags I'm also going to watch to see whether it shows up on payment systems that use apps - there are learn more here couple of places where I will pay with LevelUp or a proprietary app that works like a loyalty card.
And what about online bill pay?
It seems like that might be affected too.
I'd have to figure out if the fee would be cheaper than a stamp, I guess.
It also makes me rethink how useful my travel rewards credit card is.
For the 18 months I've had it, it's paid for itself little money bags it offers travel reimbursements up to a few hundred dollars, covered the TSA Pre-Check and Global Entry fees for Peanut and myself, provides access to travel lounges in airports around the world, and in addition to the 1% on all purchases, gives 3% on travel expenses.
I travel about once a month for work, and we went on a vacation last year that was paid for with those points.
I'm on track to get a vacation every 12-18 months if I use the card for everything, but this means I'm paying more for that vacation or taking longer to get it.
Is it worth it then?
Do you think a pass-through fee for credit card use would change your buying behavior?
As people spent more, they got more into debt.
As they got more into debt, they wanted more and more.
As their wants exceeded even the debt-funded shopping sprees cars, trucks, houses, swimming pools, campers, play structures for the kids, etc.
They saw other people with things they wanted.
Things they felt like they deserved.
They hated their jobs but they were stuck.
The bank owned them.
New job, new benefits.
As I was completing all the paperwork, I realized that my employer doesn't sponsor or contribute to an HSA, even though they offer two high deductible health plans.
We already have an HSA - we've been contributing to one at either Peanut's job or my job for years, first at actual expense levels and then fully funding without withdrawing for the last several years.
I know I can add money to our HSA any time I want, but I wanted to make sure that I'm getting all of the benefits of an HSA, including the initial tax benefit.
I love HSAs for their triple-tax protection: contribute pre-tax, withdraw tax-free for medical expenses up until retirement age, when you can withdraw for any purpose tax-free.
My HR person didn't really understand what I was asking about so I did a quick google search and figured it out: we contribute post-tax, and simply deduct the total on our taxes next year.
It feels less impressive somehow, but ends up the same financially.
Peanut and I are now deciding whether to contribute in one lump sum for the year now or on December 31, or at regular intervals throughout the year.
Perhaps not a big insight - but a helpful one for me, and maybe for you too.
Not to be confused with gender parity in the workforce, but it certainly speaks to the need for workplaces to have family-friendly policies around flextime, part-time white collar work, and other accommodations that recognize the fact that this is not the 1950s anymore.
I think this is an absolutely awesome idea.
I have had direct reports in all sorts of situations part time, contract.
No one has approached me with a job share situation, but I think it would probably address every single one of the drawbacks I see as a manager in the current part-time set-ups.
I'd love to propose something like this for future reports.
I am not interested in it for myself so much, because I have a stay-at-home-spouse so I don't feel the pinch of parenting as much as couples where both parents work.
And on the importance of keeping yourself when you become a mom.
The desire to create and contribute doesn't disappear when men become fathers; why do we assume it does when women become mothers?
I'd like to explore that for some of my team, as it might alleviate all the "problems" we experience with having some part-time employees.
I say "problems" because they aren't problematic enough to avoid helping people achieve the work-life balance that keeps their talents where I can use them, but they do create some inconveniences, and my biggest fear - that people are working more hours than they want for less pay, simply because the work will never be done.
While this advice from the Basecamp team is ostensibly about building a business of slow, steady, sustainable growth, it also works as a great analogy for living within a budget and planning for retirement.
We are paid less for the same work, are more likely to be in professions which pay less overall, are more likely to take time off work, are less likely to contribute to retirement savings in the first place - oh, and we live longer.
If I could impart one thing to each of my 20-something coworkers is that there is pretty much no sacrifice too large for them right now to get a solid retirement savings plan in place.
I accepted a new job at the end of last year.
It's in my same field but a step up little money bags a bigger company, bigger team, bigger budget, bigger goals.
I finally broke through six figures!
Five years ago, I had just left my job to go on maternity leave with Pickle.
I knew we had a very sick baby, and I knew I was going to have to stay home with her for longer than I'd planned.
I also "knew" that I was ruining my career by doing this, but what else could I do?
It was obvious who had to stay home.
I had heard all my life that as a woman if you step out of the race for kids, you with bag of money remix thought your chances at high-paying jobs, at career advancement.
I bought into it and when I started trying to go back to work I undersold myself, badly.
A lucky break got my foot in the door at my last 20 slot bag, and I proved the heck out of myself.
I was so hungry to be back at work, to be doing what I love and what I trained for.
I knocked it out of the park for two years and got recruited to join the new place.
I am definitely making more than I would be making if I had stayed on the track I was on.
Obviously, everyone's story is different, and my situation includes at least as much luck as talent or skill.
But staying home with babies does not have to be a career death-sentence.
I don't think there's a magic formula for making it work, except to say that don't let anyone else talk you out of your own worth.
I was able to identify some skills that staying at home source me - negotiation, advocacy, perspective, superduper budgeting skills - and how those translate into the workplace.
I learned a lot about myself and what I want out of life, which gives me a drive I never had before.
And that catapaulted me higher than I'd be if I hadn't had something to stretch for.
So far, the new job is going well.
We're trying to avoid lifestyle creep.
As we did last year, we'll be maxing out my pre-tax retirement account, as well as fully funding Roth IRAs and an HSA.
Last year, that was all we could do, but this year we'll have a little extra to start saving towards the kids' college funds or general savings for something else.
The biggest danger of lifestyle creep so far has been lunches - I've been invited to lunch multiple times every week since I started and that make sense as I'm getting to know people but isn't something I want to get used to.
Otherwise, we are living much like we did when we made half as much, which sets our future up for even better things.
I did feel a particular satisfaction sailing past it, but hopefully I can be content here for a while.
I read a lot of books in 2017 - 115 to be exact.
And yes, that was while working full-time with two children under five.
How do I do it?
I have a stay-at-home husband, which is the answer to almost everything in my life.
Also, I take the bus to work and make time to read in the evenings instead of watching TV.
Here, in no particular order and without much commentary, are the best books I read in 2017.
It's the best one!
If you are or know a teenage girl, this is great.
It's The Content Trap lite.
My least favorite book of the year was a tie between and.
Which, yes, won the Newbery Award and which everyone else on the planet loved.
I can't explain it.
What should I read next?
This book was such fun!
I love narrative nonfiction and especially interesting tidbits of history, but this book looked at each of the inventions through their effects on the economy.
It's a fascinating take on everyday items and ideas that shape our modern world.
One thing that stuck out at me was how many of the things that had the biggest impact did so because their primary use was to free up women's time.
The plow, the pill, the TV dinner - these and so many other inventions shaped the economy because they freed women up to join the little money bags />I did a stint as a stay at home mom and homemaker, and I found it really overwhelming in terms of drudgery, boredom, repetitive work - and I had a washing machine, a dishwasher, a microwave, all those things to help make my daily life less filled with the kind of work that my female ancestors would have dealt with.
Another thing that I found really interesting was how many of these inventions aren't things as much as they are concepts.
Money, timekeeping, patents and copyrights - all fabrications from the human mind, not products that we can remarkable, free 22 slot bags think />The best representation of money I've ever heard was a story about a time when the banks closed in Little money bags />People survived by writing checks since they didn't have access to their cash, and it worked.
It shows how much money is really theoretical and doesn't have much to do with paper and coins.
There are lots of interesting anecdotes like this that carry through the book, and if you have any interest in how our modern world works, I highly recommend it.
Really important stuff here!
We found it to be true that as a dual-income-with-kids family, two incomes did not leave us with more money - in fact, we were paying for the privilege of me going back to work.
Having only one working parent has always given us more discretionary spending money, even when that income was half of what I'm currently making.
There are additional important points throughout this excellent article, including the comment about how disability insurance for stay-at-home parents is critical and very hard to find.
We are lucky that Peanut's disability insurance from when he was working will continue to cover him now as long as we keep the premium paid on time.
I couldn't find any kind of disability insurance for a no-income spouse when I was at home, and I know of only one company now that offers it.
Selection librarians from my local library system werealong with the most popular books of 2017.
I'm a library super user, with 20+ books and ebooks checked out at any given time.
The kids and I go weekly to pick up new books and return the ones we're done with.
Our local branch has an excellent play area, and we've made friends with neighborhood people we see regularly.
I use the hold system and the interlibrary loan system extensively, and have even checked out a power tester for free.
I've also booked a number of offsite meetings for work at the library, giving us a distraction-free and literally free workspace for creative work and planning.
But on the other hand.
And that culture of childhood is threatened.
I'll have more to say on this later in 2018.
This is a super interesting and eye-opening look at what it takes to be successful on Kickstarter.
Read fewer books, but more fiction.
While most people who put anything about reading on their New Year's Resolutions list are probably hoping to read more, I'd like to read less.
I read 115 books in 2017 and no, that doesn't include books I read out loud to the kids.
I tend to get hooked on a topic and then read 8-10 books on the subject, but I find that after book 3 or 4, there are diminishing returns.
So I don't really need to be reading more books - I'm aiming for quality check this out quantity this year.
I'm going to try to read 2 fiction books to every non-fiction title, aiming to read for pleasure as much as for learning.
I'm aiming for 75 books overall, or about 1.
Organize my digital life.
I want to DO something with the saved links, the starred blog posts, the pinned recipes, the downloaded podcasts.
Yesterday, I upgraded to a paid version of Evernote, giving me more space per month, so I'm going to try to put it to good use by storing all of this kind of information in a single place, and setting a dedicated time each week to reviewing the information that I've saved for later and doing something with it.
Things like, actually writing the blog post inspired by that article, or putting the ingredients for that recipe on a shopping list and scheduling a time to try it out, or actually looking back at the notes I took from all those self-improvement books I read this year.
I've put a reminder in my calendar to do this weekly.
This is an idea I got from a couple years ago - instead of always saving up for big wins, aim for a single good money decision each day.
Little things add up and while it may not be super sexy to tweet about "brought my lunch to work five days this week!
It's really in the small decisions.
I'd like to bring a little more intention to my day and awareness to my decisions, so I was thinking of writing down big decisions and my reasons for them, then revisiting them later to see where my thinking is faulty.
Then I saw about his journaling habit, and I thought maybe I could combine them into one new habit.
I've added a reminder onto my calendar to do this every day.
Inbox little money bags for personal email.
I have a terrible habit of reading emails on my phone, then marking them unread with the intention of replying later.
So my goal is to get to inbox zero by the end of January, only open emails once, and actually respond to people in a timely manner.
And this includes my drafts folder, too.
Not kidding - I have drafts in there from 2012!
With the exception of my seven years with a belly dance troupe, I have always struggled to get enough physical activity.
I'm a sedentary person by nature see 1 above, about how much I read!
But as I get older, I notice the effects of sitting at a computer much more, so I'm going to work on it again in 2018.
I did a push-up challenge in 2017 that did wonders for my back, so I'll repeat that.
I've started doing yoga at home once a week as well.
Spend more time on physical self-care.
I'm in my mid-thirties, and I'm starting to see the effects of aging.
Which is fine - I actually like both my body and my mind more as I age read more but it does mean I can't drop into bed without taking care of my skin anymore!
I'd also like to use up all the samples of stuff I have lying around, from moisturizer to cuticle care to fancy pepperminty exfoliating foot stuff.
Be with the kids when I'm with the kids.
My kids are still at the ages where they want to snuggle me, want to be read to, want to just be with me.
But I'm starting to see it fading.
I want to take advantage of how much they love me now - not reading or being on my phone in the evenings when we're together.
I keep a couple of cans of soup at my desk at work, in case I forget my lunch.
That came in handy this week.
I still got to have a hot lunch with no cost.
Baby bBear is not a baby anymore.
For his third birthday, he got spoiled mightily but not by his parents.
We got him a candy bar and that's it.
He was delighted and I'm happy that it didn't make noise or need batteries.
He did get some other neat toys from his grandparents and that was plenty.
I haven't done little money bags Christmas shopping at all.
https://money-slots-bonus.website/bag/money-gift-bag.html don't really have much to do, just some stocking stuffers for the kids and for the white elephant exchange but that's it.
I still wish I had thought of it in October before the stores were so crowded.
I have been absolutely horrible about tracking my spending this year.
I think I've mentioned that before.
Part of the problem is that I use a Mac for work and I can't access our spreadsheet on it.
So then I just think that I will remember what I spent money on, and of course I don't.
Luckily, I use my credit card for almost everything so at least there is some record of it.
But anything that I pay cash for just basically disappears.
We have a plan for addressing this for the new year.
I'm in a phase of life where I want to spend a lot of money, but I don't actually want to spend the money.
Examples are: I want a new couch, we want to turn the guest room into an office, I want Next Level business clothes.
But I don't actually want to spend the money that I have on any of those things, so instead I just don't do a lot of anything.
Bonus: I have been reading books like crazy from the library, and I am definitely going to hit my 100 book goal for the year.
We had brunch and tacos instead of traditional foods this year, and it was wonderful.
Today when we set up our Christmas tree, it was so warm outside I had the window open at one point.
Very strange for Minnesota!
I didn't participate in BuyNothingDay this year.
I've been needing a better winter coat, and time to go shopping for one without kids, so I went this afternoon.
The mall looked absolutely packed, but I skirted around the edges and checked out some consignment shops instead.
Peanut did pick up a couple of Black Friday specials in the technology department - we've been slowly wiring the whole house up to be a smart house.
Now we have Google Home minis on every floor as well as a chromecast.
They are purchases we would have made eventually, so I'm glad he saved money + got Target gift cards for future purchases.
We recently had our house appraised by the mortgage company to get rid of the PMI we've been paying for the last six years.
AND out of all the houses he's been in, he'd never seen as many books as he saw in my house.
And I bet he didn't even realize that my bookshelves are double- or triple-shelved!
As a lifelong book lover, that made me very happy.
It will be much harder to negotiate these kinds of deals if net neutrality ends.
Our dryer started squealing and then stopped working.
Peanut took it apart and discovered a melted plastic part that had damaged the motor.
I'm inspired by The Frugal Girl and how she always takes her appliances apart to keep them running instead of defaulting to replacement.
In the meantime, we are air-drying everything, which is also working fine - we actually considered not repairing or replacing, but just living without a dryer altogether.
I already line-dry all click at this page my clothes except socks and underwear, but heavy things like towels tend to take a very long time to dry in our basement.
We also tend to do laundry infrequently but then do six loads in a day which wouldn't be possible without a dryer.
Still, we might explore using the dryer much less even when it is working again.
I used the dishwasher a lot when I stayed home, but Peanut only runs it once a month to keep the seals in tact, and instead uses it as a big drying rack.
There's no reason we HAVE to use those appliances just because we have them.
Thinking ahead to Christmas of courseI feel like this is the year little money bags we are finally going to get out of the rat race.
We've been whittling back our Christmas shopping for years, going from everyone in the extended family exchanging gifts to just for the kids + a white elephant for the adults to just the for kids to now I think it's just grandparents I mean Santa giving to the kids, and my generation giving a group photo to the grandparents a tradition now in its third year.
Peanut and I buy very go here for our own family celebration - we haven't exchanged gifts in eight years, I think, and our kids get so much from everyone else.
They already have too many toys, more than they could possibly play with.
I have a couple things laid up from consignment sales that I might bring out, plus a candy bar for each of them.
We do help them to buy small gifts for each other and for us, though, so that they can learn how to be good gift choosers.
But I think Christmas has been so overdone that people are starting to pull back from it.
Maybe that's just my perception, because even the people in our family who used to want to exchange gifts with everyone are not wanting to do that anymore.
Do you feel like Christmas is becoming less about gift-giving the last couple of years, or has it stayed about the same for you?
I will admit, I used to be a Plan to Eat subscriber, but I've let my subscription lapse.
I don't do the meal planning, shopping, or cooking anymore, and Peanut has his own system.
But when I was doing this, I LOVED how easy it was to use.
Better than Pinterest for collecting charm meaning money bag pandora, searchable by ingredient, with a calendar feature as well as an export meal plan to shopping list feature, organized by the layout of the store.
This post isn't sponsored and links are not affiliate links.
I really think this is a great service and if you struggle with meal planning I think you will love it!
I enjoy reading and writing about personal finance among other topics.
I'm not here to give advice, so take anything I recommend with a grain of salt and after seeking legal, financial, or other professional advice.

A7684562
Bonus:
Free Spins
Players:
All
WR:
30 xB
Max cash out:
$ 500

How to Make Wedding Gift Bags. Wedding gift bags are given as a memento and an expression of gratitude to those who have attended the wedding. The look, contents and meaning is really entirely up to you but you might need a little help to...


Enjoy!
money bags | eBay
Valid for casinos
Little Miss Moneybags
Visits
Dislikes
Comments
Moneybagg Yo - Psycho Mode (Official Video)

TT6335644
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 200

Bum Bag - Ideal for carrying money,passport, wallet etc. Black or Beige Money Belt - Perfect for discreetly carrying money, passport etc. Four fantastic types of belt to choose from. 4 Types To Choose...


Enjoy!
money bags | eBay
Valid for casinos
Access Denied
Visits
Dislikes
Comments
Moneybagg Yo – Blac Money feat. Blac Youngsta (Official Music Video)

🎰 Access Denied

Software - MORE
TT6335644
Bonus:
Free Spins
Players:
All
WR:
50 xB
Max cash out:
$ 500

Money raised $75,092.21 How it works. TerraCycle® and Entenmann's have partnered to create a free recycling program for Entenmann's Little Bites pouches as well.


Enjoy!
Little Miss Moneybags
Valid for casinos
money bags | eBay
Visits
Dislikes
Comments
I got a random but very strong urge to declutter, and ended up clearing out three bags of things we don't use from the kitchen as well as a full bag of stuff from my closet.
The only thing I never seem to declutter are my books.
I really will get around to reading all o them someday; I believe it!
I joined a gym.
Peanut has been going to a climbing gym for most of a year, and I finally joined as well.
I don't climb, but they have good fitness classes included in the price.
The more classes I go to in a month, the cheaper little money bags are per class!
I'd like to go four times a week but I'm coming up against schedule conflicts.
Working out at home is free, but only if you do it.
Classes motivate me better than anything else.
I'm focusing on strength training for the first time in my life, and it's HARD.
I do not enjoy the classes, but I enjoy the way I feel afterwards.
I tried intermittent fasting and discovered that I like it!
I don't eat from 8 p.
I am not hungry in the mornings and no longer have a mid-morning slump.
It's also made me much more aware of what I'm eating when I am eating, and I've cut out a lot of sugar.
The biggest downside is that I like breakfast foods and we don't have breakfast for dinner very often.
I got a credit card from an airline in order to get enough points for two domestic round-trip tickets.
We'll have enough points on our other card to cover hotel and other stuff, so Peanut and I will get to take another vacation together soon.
I don't have any big financing considerations coming up, so when we are done, I'll close the card and take the hit to my credit score with no problem.
I got a bunch of new workout clothes to go with my new gym hobby.
Four complete spandex outfits set me back.
My approach to money has changed a lot over the last six months.
This might be lifestyle creep.
Or maybe it's something else.
Basically, I feel like I have enough.
I got a more than 20% raise with my recent job switch.
We are maxing out all retirement options.
We have money left over at the end of the month.
We're bulking up our emergency fund and are even at the point of planning some of those "someday" spends, like a new couch.
The way it primarily plays out for me is Lyft.
We still only have one family car, and I take the bus to work every day.
A few times a month, something will come up that will make taking the bus home in the evening onerous.
A committee meeting that ends so late my bus ride would take two hours, or something like that.
And every time, I marvel at how easy it is for me to make that choice.
Spending money on convenience for myself has always been very difficult.
I can count on one hand the number of times I took a taxi in New York, and I lived there for eight years.
I can count on one finger the number of times I took a taxi by myself for convenience.
I just didn't feel I could afford it, I didn't feel like the convenience outweighed the cost.
So I dealt with some unsafe situations, being alone on the train late at night coming back from performing, because I couldn't bring myself to spend the money.
And now, it's easy.
I don't feel stressed by the cost.
I wouldn't say I think about money less than I used to, but I think about it in a different way.
It feels much more like a tool than a straightjacket.
The other day I was hot and thirsty and my lips were chapped.
So I went into a convenience store to buy a beverage and some chapstick.
I don't mind paying meeting those minimums, as I know it save money hard times money for merchants to accept credit cards.
I recently got one of those little stick-on pockets for my cell phone case, and now I basically carry just my phone, my ID, and my credit card.
I don't carry a wallet anymore, and rarely have cash on me.
Instead, I stumbled into a conversation with the clerk and another customer about a that allows any store that accepts electronic payments to charge a fee equal to their costs, typically expressed as a percent of the purchase, as long as the customer is notified before the transaction.
In this case, it was 3.
This statute has been in effect since last year, but this store was just implementing it and it was a popular topic of conversation.
I say "need" because I didn't need to make this purchase - I can't think of any truly necessary purchases that fall into this category.
We have a good credit card that provides travel rewards, and Click use it for almost all my purchases.
Even so, the rewards percentage is only about 1% for non-travel purchases - well below the 3.
Which means that suddenly, paying with a credit card is more expensive, literally.
It's effectively a cash discount.
And if a lot of places start passing that fee along, it'd be pretty noticeable.
Is it going to change my buying behavior?
I think it might.
I'm certainly going to pay attention and start carrying an "emergency twenty" on me like I used to, to avoid paying more than necessary.
The statute is clear that it applies to credit, debit, and other electronic payments, so I'm also going to watch to see whether it shows up on payment systems that use apps - there are a couple of places where I will pay with LevelUp or a proprietary app that works like a loyalty card.
And what about online bill pay?
It seems like that might be affected too.
I'd have to figure out if the fee would be cheaper than a stamp, I guess.
It also makes me rethink how useful my travel rewards credit card is.
For the 18 months For money waist bag congratulate had it, it's paid for itself - it offers travel reimbursements up to a few hundred dollars, covered the TSA Pre-Check and Global Entry fees for Peanut and myself, provides access to travel lounges in airports around the world, and in addition to the 1% on all purchases, gives 3% on travel expenses.
I travel about once a month for work, and we went on a vacation last year that was paid for with those points.
I'm on track to get a vacation every 12-18 months if I use the card for everything, but this means I'm paying more for that vacation or taking longer to get it.
Is it worth it then?
Do you think a pass-through fee for credit card use would change your buying behavior?
As people spent more, they got more into debt.
As they got more into debt, they wanted more and more.
As their wants exceeded even the debt-funded shopping sprees cars, trucks, houses, swimming pools, campers, play structures for the kids, etc.
They saw other people with things they wanted.
Things they felt like they deserved.
They hated their jobs but they were stuck.
The bank owned them.
New job, new benefits.
As I was completing all the paperwork, I realized that my employer doesn't sponsor or contribute to an HSA, even though they offer click at this page high deductible health plans.
We already have an HSA - we've been contributing to one at either Peanut's job or my job for years, first at actual expense levels and then fully funding without withdrawing for the last several years.
I know I can add money to our HSA any time I want, but I wanted to make sure that I'm getting all of the benefits of an HSA, including the initial tax benefit.
I love HSAs for their triple-tax protection: contribute pre-tax, withdraw tax-free for medical expenses up until retirement age, when you can withdraw for any purpose tax-free.
My HR person didn't really understand what I was asking about so I did a quick google search and figured it out: we contribute post-tax, and simply deduct the total on our taxes next year.
It feels less impressive somehow, but ends up the same financially.
Peanut and I are now deciding whether to contribute in one lump sum for the year now or on December 31, or at regular intervals throughout the year.
Perhaps not a big insight - but a helpful one for me, and maybe for you too.
Not to be confused with gender parity in the workforce, but it certainly speaks to the here little money bags workplaces to have family-friendly policies around flextime, part-time white collar work, and other accommodations that recognize the fact that this is not the 1950s anymore.
I think this is an absolutely awesome idea.
I have had direct reports in all sorts of situations part time, contract.
No one has approached me with a job share situation, but I think it would probably address every single one of the drawbacks I see as a manager in the current part-time set-ups.
I'd love to propose something like this for future reports.
I am not interested in it for myself so much, because I have a stay-at-home-spouse so I don't feel the pinch of parenting as much as couples where both parents work.
And on the importance of keeping yourself when you become a mom.
The desire to create and contribute doesn't disappear when men become fathers; why do we assume it does when women become mothers?
I'd like to explore that for some of my team, as it might alleviate all the "problems" we experience with having some part-time employees.
I say "problems" because they aren't problematic enough to avoid helping people achieve the work-life balance that keeps their talents where I can use them, but they do create some inconveniences, and my biggest fear - that people are working more hours than they want for less pay, simply because the work will never be done.
While this advice from the Basecamp team is ostensibly about building a business of slow, steady, sustainable growth, it also works as a great analogy for living within a budget and planning for retirement.
We are paid less for the same work, are more likely to be in professions which pay less overall, are more likely to take time off work, are less likely to contribute to retirement savings in the first place - oh, and we live longer.
If I could impart one thing to each of free 22 slot 20-something coworkers is that there is pretty much no sacrifice too large for them right now to get a solid retirement savings plan in place.
I accepted a new job at the end of last year.
It's in my same field but a step up to a bigger company, bigger team, bigger budget, bigger goals.
I finally broke through six figures!
Five years ago, I had just left my job to go on maternity leave with Pickle.
I knew we had a very sick baby, and I knew I was going to have to stay home with her for longer than I'd planned.
I also "knew" that I was ruining my career by doing this, but what else could I do?
It was obvious who had to stay home.
I had heard all my life that as a woman if you step out of the race for kids, you lose your chances at high-paying jobs, at career advancement.
I bought into it and when I started trying to go back to work I undersold myself, badly.
A lucky break got my foot in the door at my last job, and I proved the heck out of myself.
I was so hungry to be back at work, to be doing what I love and what I trained for.
I knocked it out of the park for two years and got recruited to join the new place.
I am definitely making more than I would be making if I had stayed on the track I was on.
Obviously, everyone's story is different, and my situation includes at least as much luck as talent or skill.
But staying home with babies does not have to be a career death-sentence.
I don't think there's a magic formula for making it work, except to say that don't let anyone else talk you out of your own worth.
I was able to identify some skills that staying at home taught me - negotiation, advocacy, perspective, superduper budgeting skills - and how those translate into the workplace.
I learned a lot about myself and what I want out of life, which gives me a drive I never had before.
And that catapaulted me higher than I'd be if I hadn't had something to stretch for.
So far, the new job is going well.
We're trying to avoid lifestyle creep.
As we did last year, we'll be maxing out my pre-tax retirement account, as well as fully funding Roth IRAs and an HSA.
Last year, that was all we could do, but this year we'll have a little extra to start saving towards the kids' college funds or general savings for something else.
The biggest danger of lifestyle creep so far has been lunches - I've been invited to lunch multiple times every week since I started and that make sense as I'm getting to know people but isn't something I want to get used to.
Otherwise, we are living much like we did https://money-slots-bonus.website/bag/money-bag-coloring-page.html we made half as much, which sets our future up for even better things.
I did feel a particular satisfaction sailing past it, but hopefully I can be content here for a while.
I read a lot of books in 2017 - 115 to be exact.
And yes, that was while working full-time with two children under five.
How do I do it?
I have a stay-at-home husband, which is the answer to almost everything in my life.
Also, I take the bus to work and make time to read in the evenings instead of watching TV.
Here, in no particular order and without much commentary, are the best books I read in 2017.
It's the best one!
If you are or know a teenage girl, this is great.
It's The Content Trap lite.
My least favorite book of the year was a tie between and.
Which, yes, won the Newbery Award and which everyone else on the planet loved.
I can't explain it.
What should I read next?
This book was such fun!
I love narrative nonfiction and especially interesting tidbits of history, but this book looked at each of the inventions through their effects on the economy.
It's a fascinating take on everyday items and ideas that shape our modern world.
One thing that stuck out at me was how many of the things that had the biggest impact did so because their primary use was to free up women's time.
The plow, the pill, the TV dinner - these and so many other inventions shaped the economy because they freed women up to join the workforce.
I did a stint as a stay at home mom and homemaker, and I found it really overwhelming in terms of drudgery, boredom, repetitive little money bags - and I had a washing machine, a dishwasher, a microwave, all those things to help make my daily life less filled with the kind of work that my female ancestors would have dealt with.
Another thing that I found really interesting was how many of these inventions aren't things as much as they are concepts.
Money, timekeeping, patents and copyrights - all fabrications from the human mind, not products that we can touch.
The best representation of money I've ever heard was a story about a time when the banks closed in Ireland.
People survived by writing checks since they didn't have access to their cash, and it worked.
It shows how much money is really theoretical and doesn't have much to do with paper and coins.
There are lots of interesting anecdotes like this that carry through the book, and if you have any interest in how our modern world works, I highly recommend it.
Really important stuff here!
We found it to be true that as a dual-income-with-kids family, two incomes did not leave us with more money - in fact, we were paying for the privilege of me going back to work.
Having only one working parent has always given us more discretionary spending money, even when that income was half of what I'm currently making.
There are additional important points throughout this excellent article, including the comment about how disability insurance for stay-at-home parents is critical and very hard to find.
We are lucky that Peanut's disability insurance from when he was working will continue to cover him now as long as we keep the premium paid on time.
I couldn't find any kind of disability insurance for a no-income spouse when I was at home, and I know of only one company now that offers it.
Selection librarians from my local library system werealong with the most popular books of 2017.
I'm a library super user, with 20+ books and ebooks checked out at any given time.
The kids and I go weekly to pick up new books and return the ones we're done with.
Our local branch has an excellent play area, and we've made little money bags with neighborhood people we see regularly.
I use the hold system and the interlibrary loan system extensively, and have even checked out a power tester for free.
I've also booked a number of offsite meetings for work at the library, giving us a distraction-free and literally free workspace for creative work and planning.
But on the other hand.
And that culture of childhood is threatened.
I'll have more to say on this later in 2018.
This is a super interesting and eye-opening look at what it takes to be successful on Kickstarter.
Read fewer books, but more fiction.
While most people who put anything about reading on their New Year's Resolutions list are probably hoping to read more, I'd like to read less.
I read 115 books in 2017 and no, that doesn't include books I read out loud to the kids.
I tend to get hooked on a topic and then read 8-10 books on the subject, but I find that after book 3 or 4, there are diminishing returns.
So I don't really need to be reading more books - I'm aiming for quality over quantity this year.
I'm going to try to read 2 fiction books to every non-fiction title, aiming to read for pleasure as much as for learning.
I'm aiming for 75 books overall, or about 1.
Organize my digital life.
I want to DO something with the saved links, the starred blog posts, the pinned recipes, the source podcasts.
Yesterday, I upgraded to a paid version of Evernote, giving me more space per month, so I'm going to try to put it to good use by storing all of this kind of information in a single place, and setting a dedicated time each week to reviewing the information that I've saved for later and doing something with it.
Things like, actually writing the blog post inspired by that article, or putting the ingredients for that recipe on a shopping list and scheduling a time to try it out, or actually looking back at the notes I took from all those self-improvement books I read this year.
I've put a reminder in my calendar to do this weekly.
This is an idea I got from a couple years ago - instead of always saving up for big wins, aim for a single good money decision each day.
Little things add up and while it may not be super sexy to tweet about "brought my lunch to work five days this week!
It's really in the small decisions.
I'd like to bring a little more intention to my day and awareness to my decisions, so I was thinking of writing down big decisions and my reasons for them, then revisiting them later to see where my thinking is faulty.
Then I saw about his journaling habit, and I thought maybe I could combine them into one new habit.
I've added a reminder onto my calendar to do this every day.
Inbox zero for personal email.
I have a terrible habit of reading emails on my phone, then marking them unread with the intention of replying later.
So my goal is to get to inbox zero by the end of January, only open emails once, and actually respond to people in a timely manner.
And this includes my drafts folder, too.
Not kidding - I have drafts in there from 2012!
With the exception of my seven years with a belly dance troupe, I have always struggled to get enough physical activity.
I'm a sedentary person by nature see 1 above, about how much I read!
But as I get older, I notice the effects of sitting at a computer much more, so I'm going to work on it again in 2018.
I did a push-up challenge in 2017 that did wonders for my back, so I'll repeat that.
I've started doing yoga at home once a week as well.
Spend more time on physical self-care.
I'm in my mid-thirties, and I'm starting to see the effects of aging.
Which is fine - I actually like both my body and my mind more as I age - but it does mean I can't drop into bed without taking care of my skin anymore!
I'd also like to use up all the samples of stuff I have lying around, from moisturizer to cuticle care to fancy pepperminty exfoliating foot stuff.
Be with the kids when I'm with the kids.
My kids are still at the ages where they want to snuggle me, want to be read to, want to just be with me.
But I'm starting to see it fading.
I want to take advantage of how much they love me now - not reading or being on my phone in the evenings when we're together.
I keep a couple of cans of soup at my desk at work, in case I forget my lunch.
That came in handy this week.
I still got to have a hot lunch with no cost.
Baby bBear is not a baby anymore.
For his third birthday, he got spoiled mightily but not by his parents.
We got him a candy bar and that's it.
He was delighted and I'm happy that it didn't make noise or need batteries.
He did get some other neat toys from his grandparents and that was plenty.
I haven't done any Christmas shopping at all.
I don't really have much to do, just some stocking stuffers for the kids and for the white elephant exchange but that's it.
I still wish I had thought of it in October before the stores were so crowded.
I have been absolutely horrible about tracking my spending this year.
I think I've mentioned that before.
Part of the problem is that I use a Mac for work and I can't access our spreadsheet on it.
So then I just think that I will remember what I spent money on, and of course I don't.
Luckily, I use my credit card for almost everything so at least there is some record of it.
But anything that I pay cash for just basically disappears.
We have a plan for addressing this for the new year.
I'm in a phase of life where I want to spend a lot of money, but I don't actually want to spend the money.
Examples are: I want a new couch, we want to turn the guest room into an office, I want Next Level business clothes.
But I don't actually want to spend the money that I have on any of those things, so instead I just don't do a lot of anything.
Bonus: I have been reading books like crazy from the library, and I am definitely going to hit my 100 book goal for the year.
We had brunch and tacos instead of traditional foods this year, and it was wonderful.
Today when we set up our Christmas tree, it was so warm outside I had click at this page window open at one point.
Very strange for Minnesota!
I didn't participate in BuyNothingDay this year.
I've been needing a better winter coat, and time to go shopping for one without kids, so I went this afternoon.
The mall looked absolutely packed, but I skirted around the edges and checked out some consignment shops instead.
Peanut did pick up a couple of Black Friday specials in the technology department - we've been slowly wiring the whole house up to be a smart house.
Now we have Google Home minis on every floor as well as a chromecast.
They are purchases we would have made eventually, so I'm glad he saved money + got Target gift cards for future purchases.
We recently had our house appraised by the mortgage company to get rid of the PMI we've been paying for the last six years.
AND out of all the houses he's been in, he'd never seen as many books as he saw in my house.
And I bet he didn't even realize that my bookshelves are double- or triple-shelved!
As a lifelong book lover, that made me very happy.
It will be much harder to negotiate these kinds of deals if net neutrality ends.
Our dryer started squealing and then stopped working.
Peanut took it apart and discovered a melted plastic part that had damaged the motor.
I'm inspired by The Frugal Girl and how she always takes her appliances apart to keep them running instead of defaulting to replacement.
In the meantime, we are air-drying everything, which is also working fine - we actually considered not repairing or replacing, but just living without a dryer altogether.
I already line-dry all of my clothes except socks and underwear, but heavy things like towels tend to take a very long time to dry in our basement.
We also tend to do laundry infrequently but then do six loads in a day which wouldn't be possible without a dryer.
Still, we might explore using the dryer much less even when it is working again.
I used the dishwasher a lot when I stayed home, but Peanut only runs it once a month to keep the seals in tact, and instead uses it as a big drying rack.
There's no reason we HAVE to use those appliances just because we slot 2 guild bags wars them.
Thinking ahead to Christmas of courseI feel like this is the year that we are finally going to get out of the rat race.
We've been whittling back our Christmas shopping for years, going from everyone in the extended family exchanging gifts to just for the kids + a white elephant for the adults to just the for kids to now I think it's just grandparents I mean Santa giving to the kids, and my generation giving a group photo to the grandparents a tradition now in its third year.
Peanut and I buy very little for our own family celebration - we haven't exchanged gifts in eight years, I think, and our kids get so much from everyone else.
They already have too many toys, more than they could possibly play with.
I have a couple things laid up from consignment sales that I might bring out, plus a candy bar for each of them.
We do help them to buy small gifts for each other and for us, though, so that they can learn how to be good gift choosers.
money bonus slot machine I think Christmas has been so overdone that people are starting to pull back from it.
Maybe that's just my perception, because even the people in our family who used to want to exchange gifts with everyone are not wanting to do that anymore.
Do you feel like Christmas is becoming less about gift-giving the last couple of years, or has it stayed about the same for you?
I will admit, I used to be a Plan to Eat subscriber, but I've let my subscription lapse.
I don't do the meal planning, shopping, or cooking anymore, and Peanut has his own system.
But when I was doing this, I LOVED how easy it was to use.
Better than Pinterest for collecting recipes, searchable by ingredient, with a calendar feature as well as an export meal plan to shopping list feature, organized by the layout of the store.
This post isn't sponsored and links are not affiliate links.
I really think this is a great service and if you struggle with meal planning I think you will love it!
I enjoy reading and writing about personal finance among other topics.
I'm not here to give advice, so take anything I recommend with a grain of salt and after seeking legal, financial, or other professional advice.

💰 Access Denied

Software - MORE
CODE5637
Bonus:
Free Spins
Players:
All
WR:
50 xB
Max cash out:
$ 1000

Shop the latest women's fashion at PrettyLittleThing from £4. Offering thousands of must-have looks & trends. Free Returns. Students get 15% off.


Enjoy!
Tracking Allowance: Little Money Bags
Valid for casinos
Little Miss Moneybags
Visits
Dislikes
Comments
We may receive compensation when you click on links to those products or services.
× A recent comment on one of my older posts on led me towhich is an online allowance accounting system.
According to the site: Little Money Bags is a fun, high-tech tool that helps you teach your kids fiscal responsibility.
It is a supercharged online virtual piggy bank that helps your kids manage their money.
It is powerful yet easy to use and has many advanced features like direct deposit for allowances and online transaction histories.
Your kids are able to log into their individual online piggy bank accounts and see their current balance as well as transaction history, much like real online bank accounts.
When it comes time to get money out of the piggy bank your child fills out an online withdrawal form and then comes and asks you for the money.
Likewise, your child makes deposits by filling out a deposit form online and giving you the money.
Little Money Bags thus helps your kids keep track of all of their little money bags and helps you teach them fiscal responsibility in an intuitive and fun environment.
And they love earning interest!
So how much does LittleMoneyBags cost?
She gets 3 envelopes: spending, saving, and giving.
She can dip into her spending money when she wants some candy or toy at the store.
And, we make sure the transaction is run separately little money bags she can hand the cashier her money and get change back.
I little money bags an account notebook is a better teaching tool than an automagic online service, but safer and tidier than dealing in cash, particularly when sums build as children get older.
Disclaimer: Because rates and offers from advertisers shown on this website change frequently, please visit referenced sites for current information.
This website may be compensated by little money bags mentioned through advertising, affiliate programs or otherwise.
Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here.
This compensation may impact https://money-slots-bonus.website/bag/money-bags-board-game-directions.html and where products appear on this site including, for example, the order in which they appear.
These offers do not represent all deposit accounts available.
Editorial Disclosure: This content is not provided or commissioned by the bank advertiser.
Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser.
This site may be compensated through the bank advertiser Affiliate Program.
UGC Disclosure: These responses are not little money bags or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.

🤑 Access Denied

Software - MORE
T7766547
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 200

SHOP BAGS & BACKPACKS NOW! In Demand Designer Bags. Featuring Styles from Kate Spade, Coach, and more + FREE SHIPPING. Fast Delivery & 24/7 Customer Service


Enjoy!
small money bag | eBay
Valid for casinos
MONEY: Personal Finance News & Advice
Visits
Dislikes
Comments
little money bags

A67444455
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 500

Shop the latest women's fashion at PrettyLittleThing from £4. Offering thousands of must-have looks & trends. Free Returns. Students get 15% off.


Enjoy!
money bags | eBay
Valid for casinos
MONEY: Personal Finance News & Advice
Visits
Dislikes
Comments
little money bags

B6655644
Bonus:
Free Spins
Players:
All
WR:
50 xB
Max cash out:
$ 500

Online shopping a variety of best little money bags at DHgate.com. Buy cheap mini diamond bag online from China today! We offers little money bags products. Enjoy fast delivery, best quality and cheap price.


Enjoy!
Access Denied
Valid for casinos
Little Miss Moneybags
Visits
Dislikes
Comments
little money bags

B6655644
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 200

18 hours ago · Little Alabama Girl Uses Allowance Money to Make Goody Bags for the Homeless and Delivers Them.. Tynslee now assembles "blessing bags" — plastic zip bags packed with food, tissues, pads.


Enjoy!
money bags | eBay
Valid for casinos
money bags | eBay
Visits
Dislikes
Comments
We may receive compensation when you click on links to those products or services.
× A recent comment on one of my older posts on led little money bags towhich is an online allowance accounting system.
According to the site: Little Money Bags is a fun, high-tech tool that helps you teach your kids fiscal responsibility.
It is a supercharged online virtual piggy bank that helps your kids manage their money.
It is powerful yet easy to use and has many advanced features like direct deposit for allowances and online transaction histories.
Your kids are able to log into their individual online piggy bank accounts and see their current balance as well as transaction history, much like real online bank accounts.
When it comes time to get money out of the piggy bank your child fills out an online withdrawal form and little money bags comes and asks you for the money.
Likewise, your child makes deposits by filling out a deposit form online and giving you the money.
Little Money Bags thus helps your kids keep track of all of their money and helps you teach them fiscal responsibility in little money bags intuitive and fun environment.
And they love earning interest!
So how much does LittleMoneyBags cost?
She gets 3 envelopes: spending, saving, and giving.
She can dip into her spending money when she wants some candy or toy at the store.
And, we make sure the transaction is run separately so she can hand the cashier her money and get change back.
I think an account notebook is https://money-slots-bonus.website/bag/slot-machine-ice-money-bags.html better teaching tool than an automagic online service, but safer and tidier than dealing in cash, little money bags when sums build as children get older.
Disclaimer: Because rates and offers from advertisers shown on this website change frequently, please visit referenced sites for current information.
This website may be compensated by companies mentioned through advertising, affiliate programs or otherwise.
Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here.
This compensation may impact how and where products appear on this site including, for example, the order in which they appear.
These offers do not represent all deposit accounts available.
Editorial Disclosure: This content is not provided or commissioned by the bank advertiser.
Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser.
This site may be compensated through the bank advertiser Affiliate Program.
UGC Disclosure: These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.

TT6335644
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 500

I'm Rebecca, a wife, mom, and tryer-of-new-crafty-things. I love to crochet, and I try to design patterns that the younger generations will love to make and love to wear. You can get to know me a little more here!


Enjoy!
small money bag | eBay
Valid for casinos
Tracking Allowance: Little Money Bags
Visits
Dislikes
Comments
Cardi B - Money [Official Music Video]

TT6335644
Bonus:
Free Spins
Players:
All
WR:
60 xB
Max cash out:
$ 200

Travel Essentials is a family-owned retailer specializing in top-quality luggage and travel accessories. We have been in business since 1994 in downtown Ashland, Oregon. We pride ourselves on our firsthand knowledge of all things travel. All of our employees have traveled extensively and put that knowledge to good use for our customers daily.


Enjoy!
Tracking Allowance: Little Money Bags
Valid for casinos
Little Miss Moneybags
Visits
Dislikes
Comments
We may receive compensation when you click on links to those products or services.
× Continue reading recent comment on one of my older posts on led me towhich is an online allowance accounting system.
According to the site: Little Money Bags is a fun, high-tech tool that helps you teach your kids fiscal responsibility.
It is a supercharged online virtual piggy bank that helps your kids manage their money.
It is powerful yet easy to use and has many advanced features like direct deposit for allowances and online transaction histories.
Your kids are able little money bags log into their individual online piggy bank accounts and see their current balance as well as transaction history, much like real online bank accounts.
When it comes time to get money https://money-slots-bonus.website/bag/money-gift-bag.html of the piggy bank your child fills out an online little money bags form and then comes and asks you for the money.
Likewise, your child little money bags deposits by filling out a deposit form online and giving you the money.
Little Money Bags thus helps your kids keep track of all of their money and helps you teach them fiscal responsibility in an intuitive and fun environment.
And they love earning interest!
So how much does LittleMoneyBags cost?
She gets 3 envelopes: spending, saving, and giving.
She can dip into her spending money when she wants some candy or toy at the store.
And, little money bags make sure the transaction is run separately so she can hand the cashier her money and get change back.
I think an account notebook is a better teaching tool than an automagic online service, but safer and tidier than dealing in cash, particularly when sums build as children get older.
Disclaimer: Because rates and offers from advertisers shown on this website change frequently, please visit referenced sites for current information.
This website may be compensated by companies mentioned through advertising, affiliate programs or otherwise.
Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here.
This compensation may impact how and where products appear on this site including, for example, the order in which they appear.
These offers do not represent all little money bags accounts available.
Editorial Disclosure: This content is not provided or commissioned by the bank advertiser.
Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser.
This site may be compensated through the bank advertiser Affiliate Program.
UGC Disclosure: These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.