Archive for October, 2009

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Tips For Budgeting When You Are Self-Employed.

I have been self-employed for almost 4 years now, and let me tell you – budgeting can be very difficult when your income is sporadic at best! Some months I make more than others and some I get paid right on time, so budgeting during those times is easy as there is money coming in the door. But other times, payments are late and you have slow months, which means you have to have money nearby you can access quickly. After all, just because you had a slow month doesn’t mean that rent isn’t due or you don’t need to eat.

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working
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Money Quote Friday – Leader Among Men Edition.

“I have three precious things which I hold fast and prize. The first is gentleness; the second is frugality; the third is humility, which keeps me from putting myself before others. Be gentle and you can be bold; be frugal and you can be liberal; avoid putting yourself before others and you can become a leader among men.“ — Lao Tzu



Have a fantastic weekend…

quotes
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Using Amex Reward Points For A Blu-Ray Player & A Television.

Remember a few weeks ago when I wrote about cashing in my American Express points and closing the account? Well, I redeemed my first batch of reward points this morning for a $200 Dell gift certificate, which I promptly turned around and used to buy a new Samsung Blu-Ray DVD player. Since in 2 weeks when I move (I promise, I will get to the “why” soon) I am about to be without a TV and a DVD player, I decided that this would be a good use of some of the AMEX points I had accumulated. And because I planned carefully before I bought the DVD player, I did a few things to make sure I received the maximum benefit from my purchase:

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credit
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The Cost Of Living…In 1972.

My mom just sent me this little book called “Remember When” and it has all sorts of info about the year I was born. (They make them for every year) In looking through it, I came across a page titled “Cost Of Living” and was amazed at how much average prices have changed in 37 years, and figured you guys would get a kick out of it too. Let’s take a look…

New House – $27,600

Average Income – $11,859 per year

New Car – $3,853

Average Rent – $165 per month

Tuition to Harvard University – $2,800

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Lifestyle
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Tip: Put An “In Case Of Emergency” (ICE) Number In Your Phone.

Got a cellphone? Then you need to make sure there is a contact number in it in case of an emergency situation that you may be involved in. EMT workers don’t know that your mom’s name is Barbara or your significant-others’ name is Lisa, so they won’t know who to call from your address book in case something happens to you. But the contact EMT workers do know (and other emergency personnel) to look up is the phrase ICE – In Case of Emergency. From Wikipedia:

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Lifestyle
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