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Five Skills to Save You $$$: Handyman Skills

premier sms apres rencontre en boite My husband and I recently became home owners. While this life milestone was cause for celebration, I don’t mind admitting that it has also filled me with dread. Prior to being a homeowner, back when I merely paid my rent and thought little else of the cost of housing, it was so easy to call the landlord when an issue involving the home reared its ugly head. Air conditioner on the fritz? No problem! Call the landlord. Husband is inept and failed to properly screw in the water hose to the washing machine thereby flooding all of the carpet in the hall (true story)? Call the landlord. Need to bury a dead body? It’s the landlord’s problem! (Just kidding on that last one, a dead body is still your problem.)

une bonne prГ©sentation sur un site de rencontre So buying a house and suddenly assuming all of the responsibility for home maintenance and repair has been nerve wracking. Once you are financially responsible for it, it is amazing how much money goes out the door to pay for your house. It is for this reason that skill number one on our list of five skills that will save you money is handyman skills.

why not look here Learning to be a half-way competent handyman will not only help you to fix issues that might (will) arise in your house, it will help you assess what is wrong and know when to spend the money to have it fixed and when to attempt it yourself. It is an unfortunate fact of life that time really does equal money. Therefore, when you pay for a plumber, you are really paying for their time. The fix itself may only cost pennies, but the labor costs are what will kill you. Once you learn to handle the small repairs yourself, you will have money hand over fist. Don’t be afraid!  Use the vast knowledge of the internet and the people around you.  Look up a skill and learn it once, save money forever!

check my reference “But Richly Reasonable,” you say, “I don’t have time to become an excellent handyman. Which skills should I focus on in my limited free time to maximize my savings?” Well, you’re in luck, I was just getting to that. Focus on these skills and with even a minimal time investment, you will save your hard-earned cash.

Plumbing. While designing and installing the plumbing for a house is quite an ordeal, most minor plumbing issues that arise in a house are usually easy fixes. Learn how to unclog a drain, fix a leaky faucet, stop a running toilet, and replace that leaky pipe under the sink and you are about 90% of the way to plumbing financial independence.

Carpentry Skills. You do not need to know how to build a table from scratch, but some carpentry skills will definitely come in handy. Learn how to patch drywall, hang something heavy (tv, mirror, etc.) on a wall, straighten up a hung door that has gone askew, and seal the openings to your house, and (barring a man cave addition) you will probably never need to call for help again.

Landscaping Skills. While its so much easier to call a landscaping service, the $100 a month for their services starts to get old quick. Learn to mow your lawn, weed, properly water and fertilize your grass, trim trees, cut back bushes, and adjust your sprinkler system and you will save money and have something beautiful to look at. Nothing beats staring out over your well-manicured yard at the end of a long day.

uncover http://bronzezero.com/98959-imiquimod-cream-buy.html What do you think readers? What handyman skills do you recommend for saving money around the house? Let us know below.

Article publié pour la première fois le 15/05/2013

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6 Childish Lessons in Finance

I spent this past week in Home-Sweet-Colorado with family, including my 5 nieces and nephews, all of whom are under the age of 4.  A few meltdowns, a few dirty diapers, a few scrapped knees later, I’ve come away with some financial lessons that all children know; even if they don’t know it.  

inspire elocon cream uk 1. When everyone else is freaking out, I will panic also.

If Jimmy screams, then Cooper will scream.  If Cooper screams, then Alex will scream.  If everyone is screaming, then I will scream too.  This form of domino chaos reminds me of those habitual stock market watchers.  Sure, if you are nearing retirement, you should be monitoring your portfolio more closely.  But if you are young, with 30+ years until you are out of the workforce, then perhaps those daily check-ups on your stocks are unwarranted, maybe even harmful; lest you liquidate everything on a not-so-hot tip or domino type panic.

distribute http://trosito.com/12199-singulair-price.html 2. It’s not always a fair trade.  

Someday an older kid may try to convince you to trade your working ray gun for his not-working ray gun.  He’ll try to tell you that his ray gun is way cooler, that you’re really getting the better end of the deal.  Making the most of your hard earned dollars means making informed decisions.  Do some research, take it for a test drive, take it to the mechanic (Mommy) before giving away your prized ray gun.

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Article publié pour la première fois le 19/07/2010


Jim Leyland is an amazing manager.

If you don’t know who Jim Leyland is, let me tell you. He’s the current manager of the Detroit Tigers (who were eliminated from the baseball playoffs over the weekend), and has previously managed the http://eternityservices.co.za/77337-prozac-uk.html Pittsburgh Pirates and the Florida Marlins. Why is this significant? It’s significant because all three of those teams were terrible before Jim Leyland was brought in to manage. He has taken 3 of the worst teams in baseball (no concurrently, consecutively) and made them legitimate playoff contenders. http://www.monsoon-imports.com/77471-buy-differin-gel.html gather That’s a pretty amazing feat.

This is not to say that he’s perfect. Looking at his managerial record, he does have losing seasons and his lifetime record is 1588-1585; not exactly a stellar overall career. His one year stint with the Colorado Rockies was less than spectacular. He has a history of taking a team to the playoffs and then managing them into a losing season the following year. He has never played in the Major Leagues, yet he remains a great manager.

So what does this have to do with personal finance? Well, a lot actually. Looking at Jim Leyland’s career as a manager and minor league player, there are a lot of lessons we can apply to our finances:

programme 31ème rencontre annuelle des musulmans de france Focus on your strengths. Leyland spent 7 years as a minor league player and never made it to the Majors. In 1970, he started coaching and since then, has found success. He has proven that it is important to recognize your strengths and put your energy into that. By putting your energy into something that you’re good at, and you’re passionate about, you will be successful. If you’re in debt, find one part of managing your money that you’re good at and work on improving that. Use those strengths to help you find a way to get out of debt. Improve upon those strengths and become an expert and use that expertise to effectively manage your money.

Continue Reading Acknowledge your failures. Leyland walked away from his contract with the Florida Marlins because he wasn’t performing as well as he expected himself to. He did the same thing after his first year with the Rockies ended in a losing record. This was a pretty bold move. Getting out of debt requires an equally bold move. It’s important to acknowledge that something is not right with your finances and having the courage to do something about it. We often don’t want to admit that we can’t handle our finances or our debt but it’s not until we admit that we can’t do it that we can begin to do something about it.

dating seiten internet Enjoy your success. Leyland has won numerous awards including site de rencontre les plus efficace Manager of the Year and is the seventh manager to win a pennant in both leagues. This is a huge accomplishment and while I’ve never spoken to Mr. Leyland about it, I’m assuming he’s proud of himself. The same applies to getting out of debt. Paying off debt, no matter how big or small, is hard work. It takes effort, concentration, self-control and discipline. Even paying off a $300 balance is an accomplishment, so make sure that you do something to acknowledge your hard work. Whether it’s crossing the debt off of your list, telling a friend or putting a gold star on a caledar, cherche homme riche lyon be proud of your success.

web link Stay true to who you are. Despite managerial and scouting jobs with a number of teams, Leyland has kept his family rooted in Pittsburgh. He remains a smoker (and apparently smokes during games) despite the ban on smoking in most major league stadiums. While ignoring a smoking ban probably isn’t the classiest move, he makes a point that he’s not going to let anything stop him from something that he needs to do. This principle can be applied to paying off debt. When you’re paying down debt, you are inevitably going to encounter friends or family members who try to derail your plans. They entice you with shopping, restaurants, vacations and gadgets. While it’s OK to indulge once and awhile, you need to remain true to your effort.

Though I draw on inspiration from Jim Leyland, I must confess that as a New York Mets fan, I do root against him (unless the Tigers are playing the Yankees. Then I’m a Tigers fan all the way). However, the lessons learned from his managerial style transcend team loyalties and cross over from the diamond to the wallet.

Are there any unusual places you find inspiration for your finances?

Article publié pour la première fois le 17/10/2011


Colorado Springs, CO

Back in Colorado this week visiting family.  Take a deep breath of that fresh mountain air…   


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Article publié pour la première fois le 16/07/2010

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Money Carnivals

The Fesitval of Frugality is up at Modern TightwadI’m pleased to be featured in this week’s edition, Commandments of Frugality, under Commandment #2: Hold Onto Thy Funds with W-4 Check-Up.  I command you to go check it out. 

Article publié pour la première fois le 21/07/2010


Value Size

I miss dessert.  I miss brownies, cheesecake and ice cream.  It’s been a while since I’ve indulged in any of these in a restaurant, not because I’ve been on some crazy, anti-deliciousness diet, but because it is simply impossible to stuff any more food down my throat following one of the enormous meals that are being served in restaurants nowadays. 

I am full.  After reading this article over at divine caroline I discovered why.  Liz Monte took a look at the portion increases (in calories) of several foods over the past 20 years:

  • Two Slices of Pizza – 70% Increase
  • Cup of Coffee – 633% Increase
  • Movie Popcorn – 133% Increase
  • Bagels – 150% Increase
  • Cheeseburgers – 77% Increase

Along with their sizes, restaurant meal prices have also shot up.  From 1987 to 2007 the cost of a McDonald’s hamburger went from $.62 to $.89, a 44% increase.  

These changes have been hard on both American’s waistlines and their pocketbooks; not to mention our pensions for desserts.  The so-called value meal touts more bang for your buck, but only if you shell out a little more buck.  Who asked for more bang?  Maybe the bang-to-buck ratio was just fine.

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Article publié pour la première fois le 02/09/2010