Personal finance essentially involves taking a high-level look at your finances; a process of checking that you pay bills on time and (in general) spend less than you earn.
If we were all responsible and paid our credit card balances in full each month, the banks would not make money from them.
What I am essentially saying is that not everyone will pay of their debts and become financially responsible – but you can. Canadianbudgetbinder recently posted..The Grocery Game Challenge Dec 10-16, 2012 -2 Weeks Until Christmas! Thanks dude… Lucky there are some funny and entertaining PF bloggers out there to help spread the message huh?!
But your right, I was brought up to think that credit cards and overdrafts were an accepted way of life which got me in the mess to begin with!
Oh I do too… but only when a certain few people talk about it… too many boring bloggers! I am considered extreme by most because I have left the corporate world at 29 and I do spend much less than I earn but still have fun on the way! In my experience, some people ignore SALLYTE and go down the insolvency route too quickly without giving due thought about the future impact of this. I suggest to my contractor clients that whenever they update their spreadsheet they reward themselves with a pint of real ale, glass of wine, bar of chocolate or some other little treat.
I have to agree with Grayson that finally “The fundamentals of finance are extremely easy to understand” but although we all know what we have to do with money, finance but also other aspects of our life at the end of the day we loose our focus and we do mistakes small or bigger! Billy Durant created General Motors in 1908 by consolidating Buick Oldsmobile, Cadillac and Pontiac. There are 1.6 Billion people in the world without electricity [that means no refrigeration, too]. Studies find that married couples with a rich vocabulary of teasing nicknames and formulaic insults are happier and more satisfied.
CHALLENGE #150: What do the ancestors of these have in common: rye, oats, turnips, radishes, beets, leeks and lettuce?
HUMOR [?]: The economic crisis appeared worse in Asia as Japanese banks are the latest to be hit. Now ya know: In the Palace of Versailles, Marie Antoinette demanded a system of locks so she could bolt her bedroom doors from her bed, furthering rumors of infidelity. Someone who is saturnine [SAT-ur-nyn] might be sad, gloomy, melancholy, sullen, morose, sour, surly, sardonic, and slow to shift moods.
Since the 1970s, the government of Bhutan bases decisions on Gross National Happiness rather than GNP. After being home schooled, he started at the University of Glasgow at age 10 and was the top of his class in mathematics, logic and classics. If you've ever invented a new word, you've created a neologism [nee-ALL-uh-jiz-um] and you are a neologist. In 1824, after a series of financial embarrassments, his family moved to a a€?mean, small tenement,a€? and he dropped out of school, at 12, for 10-hour days at a shoe-blacking factory. CHALLENGE #150 was: What do the ancestors of these have in common: rye, oats, turnips, radishes, beets, leeks and lettuce? CHALLENGE #151: In 1970 in NYC, 127 people started something that has become a major attraction to foreigners. FACTOID: Equality of people and natural resources was the reason so many western states look rectangular.
Peculiarities: Pikes Peak is spelled without an apostrophe by law, according to the CO legislature in 1978.
CHALLENGE #151 was: In 1970 in NYC, 127 people started something that has become a major attraction to foreigners. CHALLENGE #152: He refused a seat at Forda€™s Theater the night Lincoln was shot [1865], but was present at the assassination of Garfield [1881] and McKinley [1901].
Featured Quote: a€?Markets need certainty and predictability, and the administrationa€™s actions have actually increased uncertainty and unpredictabilility.
BIG Q #65 : An industrial farm with 5,000 hogs produces as much waste as a town with 20,000 people.
Ornery is a dialect use of ordinary and has also been spelled awnry, o'nary, onery, onry, ornary, and ornry. As children, we typically feel slightly older than we really are, but around age 25-30 we begin to think of ourselves as younger. CHALLENGE #152 was: He refused a seat at Forda€™s Theater the night Lincoln was shot [1865], but was present at the assassination of Garfield [1881] and McKinley [1901]. BIG Q #66: Can we really understand our own religion without a deep and sympathetic understanding of at least one other?
HUMOR [?]: Did you hear that Somali pirates were issuing a new ransom-backed security to buy Citigroup?
Gore's Law:A  As an online climate-change debate grows longer, the probability that denier arguments will descend into attacks on Al Gore approaches one. Conservative Republican Presidents Harding, Coolidge and Hoover [some of our worst until now] appointed eight Justices to the Supreme Court. Deuteronomy means a€?2nd lawsa€™: the 5th book of the Bible containing a recapitulation of the Ten Commandments and much of the Mosaic Law. CHALLENGE #154: What do the following have in common:A  Eugene Oa€™Neill, William Burroughs and his wife, Charles Mingus, Allen Ginsberg, Norman Mailer, Charlie Parker and Sid Vicious? Bonus Q: How much new debt and new obligations were piled up in 8 years by the Bush administration?
EXTRA Bonus Q: a€?I never felt that anxious any other time during my presidency, curiously enough.a€? GWB said about what? Words that sound like what they mean: sarcastic, grisly, moist, esoteric, effervescent, awkward, delicious.
Unlike a politician, a statesman must have: a bedrock of principles, a moral compass, a vision, ability to build a consensus to achieve that vision. Remember Bill Clintona€™s farewell speech where he truthfully said he was leaving the country a€?on track to be debt-freea€? by the end of 2009?
POLISH is pronounced two ways, depending on whether or not the first letter is capitalized.

EXTRA Bonus Q answer: When asked by People magazine what moments from the last 8 years he revisited most often, W talked passionately about the pitch he threw out at the World Series in 2001. CHALLENGE #154 was: What do the following have in common:A  Eugene Oa€™Neill, William Burroughs and his wife, Charles Mingus, Allen Ginsberg, Norman Mailer, Charlie Parker and Sid Vicious? Featured Quote: Multiculturalism is having conversations of respect across significant differences. Now ya know: More than 90% of known chemicals contain carbon--and, therefore, are part of a€?organica€™ chemistry.
Peculiar--The origin of the word: from the Latin meaning a€?private propertya€™ from pecu a€?cattlea€™ meaning cattle as private property. CHALLENGE #156: He had alcoholic parents, flunked kindergarden, was a poor student, stammered badly and was dyslexic, but excelled at sports and drama class. BIG Q #69 : Why were two of the greatest teachers [who never wrote a book], Socrates and Jesus, executed on trumped-up charges? HUMOR [?]: A very elderly gentleman (mid 90s), well dressed, hair groomed, great looking suit, flower in his lapel, smelling slightly of a good after shave, presenting a great image, walks into an upscale cocktail lounge. The QWERTY keyboard was designed in 1873 to force typists to type as slowly as possible since typewriters at the time easily jammed. The major killers of humanity throughout our recent history--smallpox, flu, TB, malaria, plague, measles, cholera and AIDS--are infectious diseases that evolved from diseases of animals.
CHALLENGE #156 was: He had alcoholic parents, flunked kindergarden, was a poor student, stammered badly and was dyslexic, but excelled at sports and drama class. BIG Q #70 : Does an absolute morality exist; are some things always right or wrong in all times, places and circumstances? Now ya know: The Athenian trial, of Socrates for example, lasted no more than one day, with 501 jurors--they were the rules in the democracy of Athens.
Every time an animal eats a plant or another animal, the conversion of food biomass into the consumera€™s biomass is typically 10% efficiency: it takes 10,000 pounds of corn to grow a 1,000-pound cow. Medieval Islam had far higher literacy rates than contemporary Europe and assimilated the legacy of classical Greek civilization such that many classical Greek books are now known to us only through Arabic copies. In 2006, the FBI had 33 agents with a€?some proficiencya€™ in Arabic, while the NYC Police Dept. The sole foreign domesticated mammal adopted in Australia was the dog [from Asia around 1500 BC] and became the wild dingo. The earliest attested precursors of ceramics are fired clay figurines made in the area of modern Czechoslovakia, 27,000 years ago. CHALLENGE #158: Carefully weigh 200 pounds of nutrient-rich soil and plant a sapling in it. Although many kids are heading back to school, quite a few schools throughout the country do not start for a few more weeks.
One simple way of keeping children busy during the summer vacations is taking them to local library. Swimming is a great summer activity for children as kids usually adore water, and love spending hours swimming and playing in water. Although I prefer to keep my children as active as possible during the summer, movies can be great options for a little down time, or when it is extremely hot outside. If your children are old enough to take responsibility, try to involve them in volunteer work. Arts and crafts may be simple; anything from painting a page in the coloring book, to sewing a new outfit, to building a play house. Check out the local YMCA, the multi-generational center, your local park and rec, and local schools to see what sports programs are available in the summer. Encourage your child to participate in various activities instead of staying at home or spending all day long lounging around. If your children are old enough to spend time away from home without you, safety is important.
Here at The Mommy Bunch, I offer solid advice on all things parenting, household, and living life as a working mom. My name is Jesica, and I am a working mother of four who loves to watch movies, get lost in great TV shows, read books, and continue to learn about the world around me.
I have a passion for sharing great information and products I find useful for myself and my family! Learn how we can increase your sales, develop your brand, and generate interest in your site. Once you’ve landed on the Google Developers Page for YouTube, you can start setting display options for the subscribe button, while previewing them at the same time. After you’ve finished adjusting the display options, and are satisfied with the preview look, you can start copying the generated code (found at the bottom of the page) to show the subscribe button on your blog.
Usually, the two most effective locations to place the code are at the end of your blog posts or on your site’s sidebar (so it shows on every page). Overall, this is a great tool to get more subscribers on YouTube from your blog or website traffic. In fact, the banks would start to lose out so badly that they wouldn’t be able to afford to offer the same attractive rewards and cash back deals that are available today. That is unbelievable – I know a few people like that too and it winds me up something rotten!! The most powerful things in life are the simple ones… We’ll get the message out eventually! It’s sort of like saying, well all you have to do to lose weight is diet and exercise. Everything is boring from the outset unless it has frosting, cheese, or pretty lights (in that order).
Get some passion behind you and in your case and you can literally do anything and make anything fun. I know a lot of people who spend more than they earn, and they probably don’t even realize it! Such a personality is like that of someone born when the planet Saturn was rising, according to the ancient Romans.
Fields, Charlie Chaplin, James Brown, Billie Martin and Nicolas Ceausescu have what in common?

What do the following have in common: Strawberry Fields, Solitaire, May Day, Tiffany Case and Jinx?
Some other such words: JOB, LIMA, RAINIER, READING, NICE, NATAL, MALE, SAID, WORMS, EWE, and BAD. You arena€™t the first doctor to sleep with one of his patients and you wona€™t be the last a€“ and youa€™re single.
And, 150 years after publication of a€?Origin of Species,a€? the majority of Americans dona€™t believe we evolved. By November 1923 a dollar was worth 630 billion marks, a loaf of bread cost 140 billion marks, and Germany was disintegrating under the strain.. This means many families still have a bit of summer vacation left, and here are a few great ways to spend the remaining few days before sending your child off to school.
Very often they have free reading programs that would allow kids to earn the prizes for the books they read. You can save money by renting movies and watching at home, but many local movie theaters will also have a summer deal for children; most of them usually have one movie per week at a very low rate.
In doing so, your kids will not only be busy during the summer, but will also learn to help other people and be a useful member of the community.
Participation in sports teams may vary from lessons to competitions, and may last from one week to all summer long. In order to ensure the safety of your kids you can try using mobile monitoring software in order to control the content of their cell phones, monitor text messages, and know their location at any moment. My name is Jesica, and here at The Mommy Bunch I offer solid advice on all things parenting and living life as a working mom.
Any purchase you make from a link on this site directly supports a small business and a growing family.
It’s a great way to let people subscribe to your YouTube channel in one-click, without having to leave your site or being on YouTube.
You can leave it on the default setting, or change it to show the full button design, which should include your YouTube channel’s thumbnail image as well.
It’s best to see what works well for you by experimenting and testing out different locations on your site. For example, you cannot offer prizes or rewards to people in exchange for clicking on the YouTube subscribe button link.
Be sure to include a call to action that encourages readers to subscribe by describing what your channel is all about, and what they can expect to see by taking action. Use these simple steps to make a YouTube subscribe button link for your channel!
Most of us sit in front of spread sheets all day at work – why would we want to come home and start again?
Unfortunately, as easy as that may be to understand, we live in a world that is trying to trick us. Subconsciously, we put the associated negative feelings of owing money to one side and continue down the glorius path of spending. We suddenly fit the profile of a dream customer and an analyst has predicted that we have the potential to end up paying a lot of interest. Those of us who do pay back what we owe in full are being rewarded by the misfortune of others. You need to realise that the spreadsheet that you have (or don’t have) at home is the most freaking important spreadsheet in your life.
My goal (and I succeeded a fair amount, I’d say!) was to excite them about the topic. You composed it so well.It is all a matter of being responsible such as paying credit card balances completely and promptly. The word has two parts: neo-, from the Greek neos (new), and -logism, from the Greek logos (word, speech).
They shrewdly cornered the market on a black, sticky substance to cover the roads they were building.
If you don’t have a swimming pool of your own, visit your local city or county website to see if there are any community pools.
Using a service such as this can help put your mind at ease, versus worrying about the safety of your children all day long.
In this quick tutorial, we’ll go over the simple steps on how to create and add a YouTube subscribe button to your site.
Pretty cool, right? To begin, visit this Google Developers Page to use the tool that allows you to configure an embedded subscription button for your blog or website. We all have different financial situations, but in the purest and simplest form personal finance is not exciting. From lucrative advertising that is trying to make us all fall in love with the latest gadget, to the easy availability of credit… they system is trying to catch us. I would go as far as to say that if the banks are offering you interest free credit or to extend limits, then it is a warning sign that you may be getting into trouble. You are right it is common sense but not everything is as common as it should be to some people.
Samurai Bank is soldiering on following sharp cutbacks.A Ninja Bank is reported to have taken a hit, but they remain in the black. In this way, they will socialize in their own way and won’t spend mindless hours staring at the television or sleeping the day away. All this time, trying to keep those negative feelings of debt on the sidelines, in the backs of our minds. But, 500 staff at Karate Bank got the chop.A Analysts report that there is something fishy going on at Sushi Bank where it is feared that staff may get a raw deal. You may find such volunteer jobs for your children with the help of local library, online resources and local newspaper. But, they tell me they just spend whatever they want and hope that their bank account is still positive at the end of the month.

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