
Mmm...champagne... :)
How To Save More Without Spending More
Raises may be a rare occasion during these days of employer belt-tightening, and when they do come along they're likely to disappoint. Stagnant paychecks don't have to imply savings-as-usual — there's a tangible way to save money without earning more!
Scott Burns of MSN Money calls it the "Power of Attentive Spending," but I just call it a good idea. When you hold a magnifying glass to your spending there's no doubt you'll discover places where you can find better deals and spend less. Consumer Reports' August issue is confident we can save $500 each month by reviewing these six expenses: car insurance, life insurance, food shopping, phone costs, bank fees, credit card bills.
Even if you can't find $500 within your expenses that can be turned into money saved, a lesser amount would still have a positive impact on your savings. However you manage to cut your bills and save the money instead, Burns suggests you think of the amount you save over one year as after-tax income. So, if your salary is $50,000 and you find $6,000 by using your power of attentive spending, that's a not-too-shabby, after-tax, 12 percent gain.
There are plenty examples of people who have made a name (and billions) for themselves without a college degree, but The New York Times argues that the progress women have made over the last 40 years goes to show that higher education is not overrated. The statistics they note are remarkable: Only 25 percent of women received a college degree in the 1960s, while today almost 40 percent will end up with one. During the same time period, between 30 and 35 percent of men graduated from a four-year college.
Overall, educated women have seen their degrees pay off — the average inflation-adjusted weekly pay of women has increased 26 percent since 1980, while men's pay has risen only one percent in the last 20 years. Less gender discrimination has something to do with women being able to seek out higher paying jobs — about half of new doctors today are women, up from just one of every 10 in the early 1970s.
1. I love reality television
2. I have two cats, both girls, named Monet and Eponine
3. I have lived on 3 of the 4 corners in the United States
4. My first job was a chambermaid for a hotel
5. I have had 9 separate jobs in my lifetime since I began working at 16
6. I drink about 80 oz of water a day
7. I love to organize things, and purchase things for organizing
8. Because of my organizing hobby, places like Storables, The Container Store and Ikea are my favorite stores
9. I prefer drinking beer over mixed drinks
10. I prefer drinking wine or champagne over beer
11. I like scrapbooking
12. I blog on my Dell Inspiron laptop and my work Mac
13. I crave chocolate
14. I love all things sour, and can eat lemons like oranges
15. I eat salad with almost every meal
16. I don't really like sports, but can bandwagon with the best of them
17. I am an older sister
18. I am a younger sister
19. I love all home related shows, including House Hunters, Sell This House and Clean House
20. I have my DVR and "Favorites" on my remote set to HGTV, FLN, TLC and Discovery Home
20. I read roughly a book a week on my morning and evening commute
21. I sneeze in 3's
22.My first car was a 1979 Dodge Diplomat that was yellow. It had 25,000 miles on it (in 1994) and was my grandparents car
23. I've spent more time in hospitals than most people spend in a lifetime
24. I've never been to Hawaii
25. I love to travel, and have been to almost all of the US states, as well as Vancouver, BC and Peru
26. I listen to live stream of Real Radio 104.1 during work because I used to listen to it when I lived in Florida and I miss the shows
27. My husband is from another country, and I never imagined marrying someone like him. Now that we're married, I can't imagine my life without him
29. I have been married three times to the same man, in three separate years consecutively
30. My siblings and I all have each shade of hair (one is brunette, one is blond, and I am a redhead.) We are the second generation in my family with kids like this as my father and his sisters are one of each hair color as well