It's February.........what are you reading ? what do you recommend ?
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It's February, what are you doing Now in your Garden?
Comments (42)Very cool tomato supports! I am going to copy them, for sure. :) We had a GORGEOUS weekend here in NC - high 60s. Got SO much done, cleaned up the old veggie bed, perennial beds, and even double-dug a new bed for blueberry plants I will get next month. Incorporated a very large bag of chopped, aged leaves into the bed, then planted irises along the border. Sowed some mesclun, spinach, chives and Chinese leaves in half of the fenced veggie bed. Pulled tons of weeds (Does anyone else really hate winter weeds?) and set out my new bird feeder. The daffodils are in bud, not blooming yet, and the hyacinths are peeking through the mulch. Looking forward to spring color!...See MoreHow do you read it?
Comments (9)I see a green tinge in the witches fingers also. Then I kept looking and realized they looked much like one would expect a bread roll to look. If the background were taken away and changed to white, they probably wouldn't look green. Our brains are truly amazing things. We are so used to seeing witches with greenish skin that is how we are assimilating the witches fingers. They are really a great idea nista! Theresa wants to bake them for next Halloweens treats. Thanks! Les...See MoreWhy do you do it? And what are you getting out of it?
Comments (26)It would seem I'm a bit younger than most here. I'm 30, grew up in a home with one sister, and parents that were relatively frugal. My father was the more frugal one, avoiding debt, not wanting to spend money on anything he didn't need. He didn't have much of a reason, just that debt was a bad thing to have, for several reasons. We never went without, though, taking family trips each year to various places around the country. We always had good food, nice home and vehicles, etc. I started a summer job when I was 14, then an afterschool / full time job through high school and college. I started with my current employer 10 years ago, making less than the rest of my peers. Living on my own, and making more than I ever had before, I thought it would be wise to start furnishing my apartment and buy a brand new car, despite having a perfectly good vehicle already. This new car wasn't designed for Colorado winters, so I kept the other car as well as the new one. Along with that brand new car, I got brand new insurance, which was quite a bit. This all stretched me pretty thin, living paycheck to paycheck. At one point, my company was going through layoffs, and I was concerned that I would be one of those laid off. I was pretty worried about how I was going to pay my bills, and whether or not I was going to lose my vehicle and whatnot. My father payed off my car for me, and even though I didn't get laid off, I continued to pay him what the loan payments would have been. Bonuses and other extra payments went to pay off the car a couple of years earlier than I was scheduled. This opened my eyes to what could happen if I "lived the American way", and bought whatever I wanted, at whatever price I wanted. At some point, I could be in this situation again, and I don't want to have to worry if something should happen to my income. I paid off all of my debt, and then started finding ways to live more frugally. I started shopping around for the best deals, taking things that others didn't want anymore, and didn't buy things I didn't need. When I wanted something, I usually waited at least a week, at which time I rarely wanted whatever it was in the first place. I was able to direct deposit money into two accounts, so I gave myself an allowance each paycheck, with the rest going to a savings account. The allowance was enough to cover all bills, and still have some left over for entertainment. I also started contributing to a 401k, and each pay raise translated to an increase in the percent going to the 401k. After a few years, my winter car died on me, so I found another winter vehicle for around $1000 to get me around. I did this a couple of times over the next 5 years. All the while, I was still finding ways to lower my outgoing expenses. After those 5 years, I had enough to put down 20% on a house. I found one that had a low mortgage, even though I could qualify for much more. I readjusted my allowance, and continued finding ways to lower expenses in my house. My father never did much in the way of home or auto work himself. He always paid someone else to, so I don't have much knowledge in that regard. That hasn't stopped me from using the internet and friends to figure out how to do things myself, which has saved me countless dollars. I finally paid cash for a good all-use pickup, so I won't have to worry about vehicles for quite a while. All through this, I've continued to build my savings and emergency fund. Once the economy went down the crapper, nothing really changed for me. I still lived my life how I had before, quite comfortably. All of my friends, who have continued to make more than me, are struggling to pay their bills. Throughout the years, they gave me crap for being cheap, yet look at us now. I have no stress, as far as money is concerned. I have over 9 months of living expenses in a true emergency account, am funding a 401k and Roth IRA, and managed to save enough for my honeymoon cruise to Antarctica next year. If something were to happen, my fiancee and I would be in a decent position to handle what occurs. We have everything we want, and need, and are able to do basically what we want. If I screw up my timecard, and don't get paid, I don't have to worry about waiting an extra week for my money. If something breaks in my house, I know I can take care of the problem, one way or the other. Once we have children, I know we will be able to meet their needs, at least financially. Once we retire, hopefully we will be comfortable at that point, too. Ultimately, what I am getting out of being frugal is peace of mind, with regards to money. It's also nice to see just how far I can stretch something, how many different incarnations an item can turn into before it is truly unusable....See MoreWhat shower Shower & Bathtub Trim Kit do you recommend. It's hard.
Comments (6)The trim kit is useless without the right valve in the wall. It’s not interchangeable either. Koehler fits Kohlet valves and Delta fits Delta valves. What the right valve is, depends on your needs. A simple tub shower is usually under $500 for everything in chrome, in a basic style. Start adding fixtures that need multiple output ports, or going into specialty finishes like brushed brass, and the valves and trim both change. And you can have 2K in shower plumbing in a heartbeat. If you are getting large numbers, then it’s your requirements to do what you want that are driving the numbers. You contro the pricing by cutting back on the features and finishes....See More- 5 years agolast modified: 5 years ago
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