Thursday, July 29, 2010

I am a compulsive spender, do you have any advice for me on how to save money?

I feel that my long hours spent at work are punishment. As a reward, I tend to spend a lot of money on unnecessary items. How can I get out of this mentality and start saving some money?I am a compulsive spender, do you have any advice for me on how to save money?
Compulsive spending can start from many different places. It might help you to first consider how and why you spend. Ask yourself these questions and write down the answers: When do I find it most important to shop and spend? What do I usually buy? How many of the things I buy are actually useful to me? Are there ways that I can do a little spending without spending too much money?





When you've identified some of your habits, you can see where they come from. Sometimes we spend when we are bored, or lonely, or feel that we're not allowed to have the lifestyle we believe we're supposed to have. Sometimes we spend when we're alone, so that there's no one there to suggest that we 'don't need' what we're shopping for. When you look at some of those reasons, you may find ways to help you curb your habits.





One sure way to help with spending is to become aware of what exactly you're buying. Start by looking at the things you bring home, look at the receipt from your purchases, and match them up. You'd be surprised to see that what's in the bag actually DID cost money; probably more money than you ever intended on spending.





Another way to help your buying is to buy differently. You can easily become something of a bargain hunter, and end up saving yourself tons of money by buying smartly. This can actually become a very fun game when you get into it. Being able to save money is one way to take advantage of the fun you get from shopping.





Now, as to saving money, it's simply a habit that you need to form. Keep your money in a savings account and remember that that money is off limits for spending. Doing this through your bank is one way, but also consider opening an online bank account, or opening a stock account online. The usual minimum for this about $500, but you'd be amazed at how cool it is to actually buy some stock and see how it's doing in the market. It's not quite as fun as spending, but when you see your money grow, it's very gratifying.


I am a compulsive spender, do you have any advice for me on how to save money?
Give yourself an allowance in cash each week for rewards/motivating yourself to keep working. Once you've spent your cash, don't buy anything else fun or unneccessary. If you really want to save money, you should track all of your expenses for a month and create a budget. Also, set goals for buying more expensive items that you'd like (but might not need) and keep the money in a different account, drawer, or envelope.
If you really want to ';reward'; yourself for your hard work, you will ';pay yourself first'; -- put a set amount each payday straight into your ';opportunity fund'; or ';future fund'; or ';wealth creation fund.'; Since when is a TV or worthless knick-knack or yet another t-shirt a ';reward'; for a week's work? Stop selling yourself short. Are you really worth a real investment in your future, or are you a piece of trash like the last bit of schlock you splurged on? When you want to splurge, ask yourself that question. What you are really worth -- and what you want to be worth?
If you have direct deposit at work, have a portion of your check sent immediately into a savings account - preferably one that you can only take money out of electronically, like emigrantdirect.com or ingdirect.com. You can still withdraw money, but it takes a couple of days - so you can't impulse shop as much.
use coupons and off-brand products. Normally is just a different packaging anyway.

Can someone advice me how to get rid of house stuff?

i just moved house recently and i have loads of things which i would like to get rid of, but they are too big and too heavy to be sent by mail, can someone recommend me whats the best way to do that? some things i'm gonna give to charity but others i'd like to sellCan someone advice me how to get rid of house stuff?
Check out





www.craigslist.com





over on the right hand side, choose your area. I believe you can advertise for free here and even submit pictures. Craigslist is mostly understood that people need to pick the stuff up. I know several people who have used the site.Can someone advice me how to get rid of house stuff?
you could have a garage sale or take some stuff to salvation army or send to ucp they take stuff or call 1-800-I GOTJUNK
Garage sale or classifieds
go to gumtree .com .in your area.
Local household auctions, or car boot sales.
Fire
I thought that when I wanted to get rid of some stuff, so I listed it on ebay explained collection only and low and behold, I sold everything, everytihng was collected, leave a big wedge for me and more space. Try it you might be surprised how far people will come for what they want.
A yard sale is a good idea. Also, go to http://www.freecycle.org/ and sign up. You can give away your extra stuff to some one who needs it. The best part is they come and get it.
A garage sale.
garage sales are a lot of work. if your looking to get rid of stuff, do a good deed, and at the same time, get a little cash for it- call the goodwill- they will come get it and you can use it as a tax write off. make sure you ask for a receipt. no shame in getting a little back. :)
Use www.freecycle.co.uk!
Well, you could do like I have done. We just moved to a much smaller house and have way to much stuff for here. My hubby get's mad because I have so many clothes and box's of stuff stuffed everywhere. So, I got mad, opened the window, set the garbage can right out the window, and tossed away! This is my second weekend of doing that and I have so much more room now! Some things should have gone a long time ago, others, I would have liked to have kept for those just in case pourposes. But, if I need something I'v thrown out because of the room, he's just gonna have to buy it again. But I must say, my house does look much better doing all the organizing I'v done in the last 2 weekends. And tossing of course! LOL!
Freecycle definately! I know you say you want to sell some of your things but dont forget you can also gain a lot of stuff in Freecycle. Things that you might have been thinking of buying anyway could be what someone else wants rid of!
Throw it over your garden fence
Get yourself a digital camera and e-bay it. Sell your stuff on e-bay and for sure you'll make a killing because someones junk is anothers treasure.
I was in the same position some months ago and sorted everything into piles


Charity


Ebay


Rubbish Dump





Eventually you will get straight. Alternatively the remainder I heard someone had moved to a place without a thing so I offloaded all my extra stuff to her.
Yard sale.





Or Craigslist.com and say that its local pick-up only
There are many good answers you got. You can garage or yard sell them if you have time. Or you can figure out yourself if you'll have need for your stuff in a certain amount of time, say: sell all if you won't need them in 3 months or 6 months, or some time in between. For the rest of them, get yourself a digital camera, and sell them in an auction as a bundle on eBay to the highest bidder. How does that grab you! You'll get some good bids.
I find yard sales to be a lot of work for very little return. I generally give stuff to friends, the Good Will, or other thrift stores. I think Freecycle would be worth checking out as well.
Sell them on Ebay as collection only-I have sold loads of heavier items this way.
some links below to advertise on and there free
You can have a yard sale of course but check in your area for consignment stores. In some areas they are called Upscale Resale, but independent stores are also available in all areas. They will, for a fee usually, pick your pieces up and sell them for you in the store. You decide with them on a price and they take a percentage for the service. Charities like the Salvation Army, Goodwill, and Veterans will pick your items up free of charge.

Can anyone give me a good advice to how control myself from viewing sex videos online?

please help me...im not getting any control of myself ...and do not want to view it again...Can anyone give me a good advice to how control myself from viewing sex videos online?
Dude really? Its not that hard. Go outside. Hang with friends. Take the computer out of your room. Just stop watching it.Can anyone give me a good advice to how control myself from viewing sex videos online?
Get away from that computer!
Work as much as possible. If you already work full time, get a part time job after work. Don't allow yourself any free time to get on the computer. Self employment won't help because you'll still have control over your time.
Turn off your computer and go outside for once.
find a reason to stop. one that you really believe in. not just a 'good' reason. but THE reason for you.





why do you want to stop looking at porn?





do you really believe that? or are you just parroting what others have told you?





check it out man... it's up to YOU to make that change. there's no firewall or filter that can make you stop. and there's no fool proof, guaranteed advice that anyone can give you that will help you or make you stop. it's up to YOU to stop doing this thing that you say you don't want to do anymore. take responsibility for your actions, and stop putting yourself into situations where you can't help yourself.
Break your internet, or virus up your computer so bad that it destroys itself. Or, you know, go outside like everyone else is saying.
try getting a blocking software like ';K9 Web Proctection'; then let someone else decide the password so that you would'nt know how to over ride it :)





worked for me till every other day cause i'm able to guess the passwors lol %26gt;_%26lt;
Stay off the computer...find other activities to do.





Have a friend install software that blocks those sites (much like many parents put on their kid's computers).





Learn some self control.





Get therapy.
avoid it with sincerity
Get rid of the computer and join an Addicts Anonymous group
My suggestion would be to find something else that interests you and focus on that. Or find something else online to occupy yourself besides these videos.
  • rimmel
  • Will someone please give me advice on how to handle this?

    I saw my daughters kiss each other. I was frozen in shock so I could intervene. What do I do now? It was a more than friendly kiss.Will someone please give me advice on how to handle this?
    I guess it depends on how old they are.One of my friends told me one time that him and his brother used to jerk each other off.They are both married now and have kids.Will someone please give me advice on how to handle this?
    Becca,





    Don't worry, it's perfectly normal. You don't say how old your daughters are, but I get the sense that they are not very old, and even if they are, you don't really know what they were up to, do you? Perhaps they were practicing for that all-important first kiss with a boy (I know, that's probably not all that comforting).





    Children, of all ages, are intensely sexual beings. Even infants will fondle themselves for comfort if left unwrapped. I remember this one time that my middle daughter was masturbating under her covers while I was in the room feeding her baby sister. (She was five at the time). When I realized what all the heavy breathing was about I almost busted a gut trying not to laugh out loud.





    It's normal. Take some breaths and just leave them be. Trust me, they'll be fighting again in no time.





    The Guardian

    Any advice or tips on how to prepare for the GREs?

    So I'm taking the GRE exam this year. I've already been practicing with books (the Kaplan books seems to be more helpful than the Princeton Review in my opinion). I wanted to know if anyone out there who has already taken the exams and got a good score had any tips on how to be well prepared.Also, is the exam anything like the problems they show you in the books?? I want to make sure so I'm not wasting my time.





    I'd love any kind of advice. Thank you!Any advice or tips on how to prepare for the GREs?
    1) Don't start preparing earlier than 6 month, you'll get exhaused if you study too much, or forget what you've done in the beginning if you study not enough. Giving yourself more than 6 months is not efficient.





    2) Give yourself at least 2 months though, less is not enough.





    3) Start with books - they are useful. Yes, they are pretty much like the real exam. You don't have to buy them, they are available in libraries.





    4) Register early - each registered person gets a free DVD with 2 computer test! So you can use it for preparations!





    5) Try to find Kaplan's computer test collection on the Internet. That's not a study course, just a program which generates tests for you exactly like the real one. I was able to find it for free 3 years ago. Maybe still available. VERY useful.





    6) Start with doing tests withou timing, and do 1 or 2. Ideally you should be able to do everything if no time limit. Then start timimg yourself.

    I have purchased a 97 Galant GDI 1.8 recently and I would like to get some advice on how to maintain it?

    I have done a bit of research on the net regarding GDIs and discovered this particular type of engine is quite sensitive and prone to faults. I was wondering if any knowledgeable person can give me an outline of problems (from most common to least common) and how to prevent them or fix them. Any tip would be greatly appreciated. CHEERS!!!I have purchased a 97 Galant GDI 1.8 recently and I would like to get some advice on how to maintain it?
    it tells u all in the manual

    Any advice on how to whean my 10 month old from breasfeeding?

    My daughter is 10 months and I would like to stop breasfeeding soon. She does not like a bottle or cup with a spout at all. She has never taken a suthor (although I've tried) she just chews the nipples. I'm noticing that when she nurses its only for comfort till she falls asleep and during the night she only uses me as a suthor. I'm starting to feel the effects of lack of sleep. Any advice? Oh and she still sleeps in bed with mom and dad I think she slept in her crib once in 10 months. I know I did it to myself!!!Any advice on how to whean my 10 month old from breasfeeding?
    You have given your daughter the best start-I'm sure you feel in need of a break by now. Try contacting the ';La Leche League'; they are very sympathetic and will help you more than I can say. They have a website www.lalecheleague.com or .co.uk


    As a Mum you always have to do what works for you, never mind what everyone else says,so accept no criticism !


    Best wishes to you all


    MAny advice on how to whean my 10 month old from breasfeeding?
    I believe when a child gets there first set of teeth it is time to take them off, she may cry for a few days but she will be alright.
    They make bottle nipples just for that that are just like the breast nipples you could buy thoses to see how it goes for starters.
    You are going to have to break her of more than one habit it seems.


    1st thing. The breastfeeding. You are going to have to make her take the bottle. Wait til she is really hungry. Then try it. She will take it if she is hungry enough. The best Way to wean is to replace a bottle with the breast one time the 1st few days, and 2 bottles per 2 feedings the next couple of days. And so on. Its the only way unless you wanna be nursing a 4 year old.


    The bed thing. You need to put her in her crib. She will cry, and I know its heartbreaking, but do it. Leave her in there for 5 minutes. Don't go in there, don't hold her, do not take her out no matter what. After 5 minutes (she will still be crying) pick her up and calm her down a while, then put her back, she will eventually fall asleep. This is going to take time. But if you don't do it, you will be sleeping with a 4 year old who still nurses.
    Hi, my name is Mary. I have a 13 month old son that is still breastfeeding. He uses me the same way that your little girl does you. I have asked many doctors and they said that it is a comfort thing..... My son will take a cup but only if it has water in it. I try to limit him during the day, and let him just snack, that seems to work. The doctors told me that as long as he is taking solids that it is ok. A nother thing you might try is Gerber Oatmeal Ceral and Gerber yourgt drinks to subsitute for mike. That works really good, just mix the ceral with milk instead of water....And one more thing, she wont want to take formal so if her body can digest mike ok then start her on milk...it she likes it......
    The World Health Organization recommends a child nurse for at least two years.





    It is not only comfort that she nurses for - she will continue to get good nutritution as well as comfort from your milk for years. When she is sick, nursing is invaluable. And hello - what's wrong with comforting an infant?????





    It's good to have her in bed with you,you've not done something wrong. The constant sucking will happen when she is undergoing a growth spurt or a cognitive leap. This will not last long.





    Let her wean herself as nature intended. No need to put her in a baby cage or to feel bad because you haven't. (remember, wean her and she still wakes up, but now you don't have what she's wanting....)
    You will have to start putting her in her crib. Feed her while in a chair and then stay with her and hold her hand while she is lying down in her crib. Do Not Give In!! You may have to do this for a week or so, but she will get the idea soon. After she is used to sleeping in her own bed, then start weaning her from breastfeeding. She is going to fight you on this, but stick with it. At first, just dont breastfeed her in middle of night. She should be sleeping all night. When she wakes up, change her, hold her in a chair, and give her a bottle of water. If she refuses the water, just put her back to bed and wait for her to go to sleep. You will be losing sleep for awhile longer, but hang in there and you will get the results you want. You have to stop her habits and change them. Change takes time.
    infants NEED full fat milk for at least 12 months! Don't wean her on to a poor sustitute. She may be ';reverse cycling'; and nursing at night for food, not just comfort.





    Give her few more months. The World Health Orginization recommends breastfeeding for At LEAST 2 years! No need to introduce a fake nipple that you will have to wean her off of, when yours is still available.
    First, start to put her in her own crib: you and Dad need some privacy. Try to get her to sleep all night; there may be some crying the first few nights but be brave and let her cry and she will get with the program . Also, sleeping with baby in the bed can have some tragic consequences if one of you rolls over on her or she falls out of the bed. She is too old to sleep in the bed with you. She could crawl out of the bed while you are sleeping and fall off the bed or get into something that may harm her. Cribs have rungs on them for a reason: to keep the baby inside; you do not have that protection if she is just sleeping on a regular bed.





    Second, 10 months is not that long to breast feed. If you resolve some of the sleeping issues you may get more sleep and feel happier about breast feeding.





    You can wean her gradually. Yes, she likes the comfort of the breast; it was intended to be this way. Let her have her comfort and when she starts to eat more food you can give her a cup and just forget about bottles. My son went straight to the cup when he was a year old and never looked back.
    Just do it! She should eventually take the bottle, If not then it's about time for a sippy cup. You did a great job to go 10 months be proud of yourself. I am. Great job, but mom's got to have a break not only for yourself , but your child.
    Well Done, you come a long way! You have been following your daughters lead, in terms of meeting her needs, and that's great. For you to stop nursing her ';cold turkey'; will no doubt send her mixed messages. All along you've been attending her needs and all of a sudden you will cut off something that she still really needs.....not such a good idea IMO.


    If you can persist until at least 12mo, you can avoid all the fuss with formula and bottles etc. Weaning is best done slowly %26amp; gradually...it benefits you and the baby much much more. If you stop too quickly, you could become painfully engorged and possibly get mastitis. Your baby could get really frusterated and be even less willing to take any other food source, and could learn to not trust you anymore.


    Try a gradual and slow start. Offer your baby breastmilk in a cup with a straw, or try some of the softer-spouted sippy cups.


    Co-sleeping with your baby is wonderful! Please don't feel shamefull for providing such a comforting sleep enviroment for your family. You have definately gotten more sleep than a Mom to has to actually *get out* of bed to nurse or warm bottles. Try putting your crib ';side-car'; against your bed and begin her transition that way.


    A 10mo is still a ';baby';, so don't expect her to willingly stop nursing. Maybe you need to take a step back, get some help from family so you can rest during the day and try and enjoy the wonderful gift you are giving her :) Think of it this way, Moms who give formula, HAVE to start solids etc because Formula is nutritionally inadequate. Breastfed babies can begin soilds much more relaxed b/c breastmilk is nutritionally perfect!


    Even if your daughter is ';nursing for comfort';, is that really such a bad thing? She was attached to you and completely comforted for 9 months in utero, you need to expect it to take at least that long to begin slowly detaching. If you except what wonderful job you are doing with your daughter, maybe you will take it slow and enjoy however many nursings are left.





    Please, contact your local La Leche League. The meetings are free to attend and you will definately find other supportive Moms who have been right where you are now. The meetings are held by experienced breastfeeding Moms and attended by other local Moms who just need support in their often ';criticized'; choices.


    If you can connect and ground yourself, you will enjoy where you're at in your mothering journey and not feel so rushed to get to the next step.





    Good Luck to you!
    I breastfed my children. I have three daughters. The first and last child accepted coming off the breast much easier than thje middle child. I fed her for 16 months. I know a lady that breast fed her son for three years.





    The truth of it is, when you decide to stop, it may take a few days(as was the case with my middle child). They will get hungry and will eat what you give them.