Now that's funny:icon18:

Got to agree with that:icon23:
My old saying : when the sh-t hits the fan you'll need something to wipe it with:excited:

Agree with majority of what is said already. Another one for us was reducing how much we ate out. Not saying never go out, but it's amazing how a little for lunch, few drinks for happy hour, dinner here and there, add up over a month.

and eating out a lot.

Don't visit the "For Sale" section on this forum lol

:iagree:

OTOH, I encourage my wife to go at work because "There is nothing better than being paid to poop."

There is - to be paid to play sports (companies hockey team, playing during work hours).

When I was still working. We had a saying. You sh!t on company time, and sweat on your time.We also had guys who only showered on company time at the end of the shift. And wore company uniforms all the time. That's the only clothes they owned. :shakes head:

One more thing I'd like to add is don't buy sh!t just because it's on sale. What's the point in buying something cheap if there's no need for it? My wife is particularly bad with this, so we have stacks of notebooks when neither of us are currently in school; boxes of coloring books when we still don't have any children; mannequins (fawking mannequins!!!) when we don't have a clothing store. I'm not talking about the oddly attractive mannequins, but the creepy ones with one arm, missing head, etc.

As much of a pain it can be dealing with all the people, do your grocery shopping at Wal-Mart, and buy their brand whenever possible. Wal-Mart does not have any production facilities of their own, so everything with their store brand was made by someone else, likely in the same facility as a name brand product. For example, a few years ago there was a peanut butter recall for both Peter Pan and Great Value since they were both made in the same ConAgra facility.

As for avoiding the usual crowd at Wal-Mart, I usually go around 6:00 AM on Saturday to do the weekly grocery shopping. The store is well-stocked and there are few people to deal with.

I spend less when I don't see the money. So, I max out my 401K. Since it is tax deductible, it is like making 25% guaranteed return for the first year.

Not necessarily. If your interest rate is less than what you would get by investing the lump sum into something conservative, use the dealer's money.


You might be better served by keeping the card open and using it responsibly. Closing the card can ding your credit, especially if you've had it for a while.

This is true.

And I thought my girl bought some weird ****.. :confused:

No. Just keep the card for the offer period. Having several cards actuall lowers your ability to get credit, if you ever need it. The balance, even if you don't use it counts as debit against you.