I have a problem with saving money and this has come to my mind that I never get anything that I can turn to and say that it cost my money and all I buy is lots of sweets that makes my room full and makes it look like a candy world.I SERIOUSLY NEED A SOLID PLAN A WAY TO MAKE MY MONEY GROW AND T SAVE FOR THE DAY MY BABY COMES!|||Have a certain amount deducted directly from your bank account everytime you get paid. Move it into an account, bank, savings, mutual fund, brokerage account, whatever, that you do not have an ATM card associated and it is a pain to get access to. tba|||Hi,
I usually make sure I have a budget of outgoings and contol my shopping sprees. The following is a site I use which is packed full of tips advice and resources to help manage you're finances properly.
Thanks
http://www.good-financial-planning.info/|||First thing you need is a distraction, like a book or going for a walk or something like that. Also start small with savings, maybe $5 a paycheck put it away save it and stick with that amount if you start to notice that you have extra money at the end of the week, bump up that amount to $10 dollars. Make a game out of it see how much money you can have left over at when you cash your next paycheck. Direct deposit is great as well, out of sight, out of mind.|||Do a personal audit of your spending. List all the things you spent money on in one month. Once you have the list, you can see what things are necessary, and which things were indulgences. Figure out what the amount of money you need in a month for the necessary things (like utility bills, mortgage/rent, etc), and the amount you will have left for discretionary spending or saving. Don't completely cut yourself off from buying things you want all at once, but definitely don't wait to take the first step in managing your finances|||Automatically and out-of-mind. Have a small percentage of your income deducted each month into an account where it is difficult to withdrawn from.
If you are using credit cards, consider using only cash. Individuals are more cautious when using cash.
Congrats on the baby.
Tuesday, December 6, 2011
What is a new technology that can help businesses save money by reducing energy use?
What is a new technology that can help businesses save money by reducing energy use? Specificaly in a company like Fidelity, AutoDesk, Margarittas Resturaunt or Cool Air Clean Planet?|||There are now so many devices available for reducing energy use. Among others:
1) use CFLs or compact floursescent lamps instead of the bar or circular flourescent lamps
2) install solar water heaters on the roofdeck and put in piping into your toilets and shower rooms
3) install solar cells for electricity use, either partially or complete replacement together with battery banks. You will need a separate, well-ventilated room for the batteries.
4) remove the curtains and put in outside the windows wooden or hard plastic jalousies to shield the rooms from direct sunlight but admit enough sunlight to switch off the lights.
5) sectionalize the electric wiring for the lighting such that you can switch off a portion of the lamps for the areas without people working.
6) instead of centralized airconditioning, put in window-type or stand-alone air con units. Again for those areas without people working, you can switch off the individual air con units.
7) where possible, use ceiling electric fans instead of aircon units. Or, use the combination of the two - - - fans at the start of the office hours. Later, when there are enough people in the room, switch on the aircons and switch off the fans.|||Hi Jenny,
There are actually quite a few companies that have become more environmentally conscious. They have also saved a lot of money on energy since they have begun to us alternative energy sources like wind and solar power.
The shoe company, Timberland is a really good example.
The solar panel at Timberland's Ontario distribution center was designed, engineered and installed by Northern Power; Sharp is the manufacturer of this 400 kW solar power system. This is Timberland's second distribution center to be powered in part by clean energy sources.
Its European Distribution Center in Enschede, Holland is 100% powered by wind, waste steam and small-scale hydro-power sources. Additionally, wind power generates energy and solar power heats 100% of the water at Timberland's Dominican Republic manufacturing facility.
Timberland's solar power initiative and its Earth Day volunteer activities are just two examples of the company's environmental stewardship. Timberland recently announced an environmentally-friendly packaging and labeling initiative that will debut later this year.
Hope this helps.|||It is called raising taxes. Soon, the work force will decline and the offices will not require so much energy to run the utilities.
1) use CFLs or compact floursescent lamps instead of the bar or circular flourescent lamps
2) install solar water heaters on the roofdeck and put in piping into your toilets and shower rooms
3) install solar cells for electricity use, either partially or complete replacement together with battery banks. You will need a separate, well-ventilated room for the batteries.
4) remove the curtains and put in outside the windows wooden or hard plastic jalousies to shield the rooms from direct sunlight but admit enough sunlight to switch off the lights.
5) sectionalize the electric wiring for the lighting such that you can switch off a portion of the lamps for the areas without people working.
6) instead of centralized airconditioning, put in window-type or stand-alone air con units. Again for those areas without people working, you can switch off the individual air con units.
7) where possible, use ceiling electric fans instead of aircon units. Or, use the combination of the two - - - fans at the start of the office hours. Later, when there are enough people in the room, switch on the aircons and switch off the fans.|||Hi Jenny,
There are actually quite a few companies that have become more environmentally conscious. They have also saved a lot of money on energy since they have begun to us alternative energy sources like wind and solar power.
The shoe company, Timberland is a really good example.
The solar panel at Timberland's Ontario distribution center was designed, engineered and installed by Northern Power; Sharp is the manufacturer of this 400 kW solar power system. This is Timberland's second distribution center to be powered in part by clean energy sources.
Its European Distribution Center in Enschede, Holland is 100% powered by wind, waste steam and small-scale hydro-power sources. Additionally, wind power generates energy and solar power heats 100% of the water at Timberland's Dominican Republic manufacturing facility.
Timberland's solar power initiative and its Earth Day volunteer activities are just two examples of the company's environmental stewardship. Timberland recently announced an environmentally-friendly packaging and labeling initiative that will debut later this year.
Hope this helps.|||It is called raising taxes. Soon, the work force will decline and the offices will not require so much energy to run the utilities.
How to save money on attractions, shows, and meals in Hawaii?
I am going to Oahu, Hawaii in October. Can anyone give me some ideas on how to save money on local attractions, shows, and meals while I am there?|||http://honolulustar.p2ionline.com/specia鈥?/a> enter Free or Events in search box, click on the Food For Thought for specials
http://the.honoluluadvertiser.com/curren鈥?/a> ~ free or inexpensive activities, refresh page to current date|||Ask alot of the local people. Go to the less tourist area's and you can find alot of things cheaper. We befriended alot of the locals and we were able to get shows cheaper. Plus you can find awesome dinning places. Get a puka dog you won't regret it.|||I would suggest you pick up the touristy books that you find all over Waikiki and at the airport (in the brown bins near the gates and baggage claims). They have all sorts of coupons that will save you money on attractions, shows, and restaurants.
Good luck and happy travels!|||There are lots of brochures with bargains and coupons available anywhere in HI. Also, if you don't mind wasting a couple of hours, attend a time-share presentation and get free tickets to an area attraction. Aloha!
http://the.honoluluadvertiser.com/curren鈥?/a> ~ free or inexpensive activities, refresh page to current date|||Ask alot of the local people. Go to the less tourist area's and you can find alot of things cheaper. We befriended alot of the locals and we were able to get shows cheaper. Plus you can find awesome dinning places. Get a puka dog you won't regret it.|||I would suggest you pick up the touristy books that you find all over Waikiki and at the airport (in the brown bins near the gates and baggage claims). They have all sorts of coupons that will save you money on attractions, shows, and restaurants.
Good luck and happy travels!|||There are lots of brochures with bargains and coupons available anywhere in HI. Also, if you don't mind wasting a couple of hours, attend a time-share presentation and get free tickets to an area attraction. Aloha!
How can i teach my friends to save money?
So i have a decent amount of money saved up. i got laid off my job and my friends are still working, yet i still seem to have more money than they do. The problem is that they are all broke. I love to go out and party with them but i usually end up spending money on them because i want to go out and have fun with them. How can i teach these people to save money. i can still go out and have fun without spending a ton of cash. im tired of taking care of my friends. what can i do? should i just stop hanging out with these people?|||omg!!! i know what you mean!! its not fair when you have to spend money on your friends just cause you enjoy their company and want them around.. and plus they arent very good friends if they rely on you to pay for things for them|||You are teaching them something ... that they can party on your dime. Don't stop hanging out with them but when their money runs out don't start picking up the tab. They will learn soon enough that if they want to stay longer they will have to either pace themselves or bring more cash.
Would i save money replacing gasoline with propane for my mower?
i want to convert my mower to run on 16.4 oz propane cans, would i save money on fuel or does propane cost more. and will my mower run as well if i convert it could it hurt my lawn mower?|||There are some engines that are not practical to convert, although it is entirely possible. I would say a push mower falls into this category. For a couple of reasons.
The engine is going to draw more fuel than that cylinder can adequately vapourize. The cylinder would "freeze up" fairly quickly. And this leads to the engine running lean. You can run a gasoline engine slightly lean and get away with it. But with propane, it is a very dry burning fuel and temperatures skyrocket when it gets lean. You would burn out the valves in pretty short order I think.
If you were a landscaper running a large riding machine 10 hours a day I could see investigating this a little further, but if you are just a consumer cutting a single yard once a week, I think you are asking for headaches that aren't really worth it...|||If your mower has a Briggs and Stratton engine, Impco makes a conversion kit for it. There are many small engines that have been converted to LPG, and they run just fine. Most of them are units that run for many hours such as light plants and pumps, so while propane is less expensive per btu than gasoline the cost of the conversion kit for a lawn mower very likely wouldn't be offset by the savings in fuel for quite a long time. Plus, those 16 ounce cans are by far the most expensive way you can purchase LPG. If you would like to pursue the idea try Alternate Fuels Technologies, Inc. at www.propanecarbs.com|||it would need a special valve seat combination.it wont have the power,and the regulator must be hooked to carb.it will start hard etc.oh and btw its an s.o.b. to tune in.ive got loads of experience with propane and couldnt get rid of these problems.that was the best it got.worked with 2 propane powered small engines.took the engine to a pro propane mechanic(i was a farm mechanic) first. he said there was no way it would even run.i got it running but barely.sometimes you could pull the rope over and over and nothing and sometimes 2nd or 3rd pull.another 1 i worked on was like 8 hp and took over 20 pulls to start when cold. warm it started first pull.
The engine is going to draw more fuel than that cylinder can adequately vapourize. The cylinder would "freeze up" fairly quickly. And this leads to the engine running lean. You can run a gasoline engine slightly lean and get away with it. But with propane, it is a very dry burning fuel and temperatures skyrocket when it gets lean. You would burn out the valves in pretty short order I think.
If you were a landscaper running a large riding machine 10 hours a day I could see investigating this a little further, but if you are just a consumer cutting a single yard once a week, I think you are asking for headaches that aren't really worth it...|||If your mower has a Briggs and Stratton engine, Impco makes a conversion kit for it. There are many small engines that have been converted to LPG, and they run just fine. Most of them are units that run for many hours such as light plants and pumps, so while propane is less expensive per btu than gasoline the cost of the conversion kit for a lawn mower very likely wouldn't be offset by the savings in fuel for quite a long time. Plus, those 16 ounce cans are by far the most expensive way you can purchase LPG. If you would like to pursue the idea try Alternate Fuels Technologies, Inc. at www.propanecarbs.com|||it would need a special valve seat combination.it wont have the power,and the regulator must be hooked to carb.it will start hard etc.oh and btw its an s.o.b. to tune in.ive got loads of experience with propane and couldnt get rid of these problems.that was the best it got.worked with 2 propane powered small engines.took the engine to a pro propane mechanic(i was a farm mechanic) first. he said there was no way it would even run.i got it running but barely.sometimes you could pull the rope over and over and nothing and sometimes 2nd or 3rd pull.another 1 i worked on was like 8 hp and took over 20 pulls to start when cold. warm it started first pull.
Whats the quickest way to save money to move?
Im trying to move out of my current unhealthy situation as quickly as possible. Luckily in my current unhealthy situation i dont have to pay rent so it frees up a lot of money for me. But do any of you know a quick way to keep it saved. Money just seems to burn through my hands. Recently i have been getting better at making it last but im afraid ill never be able to save it so i can get outta here. Does anyone have any thoughts suggestions anything?????|||give it to me... thats what i did i gave all monies to Mr.K when we moved that way i wouldnt spend it... and trust me save for 2 months cause that way you have pillow to land on if things go no bueno... hope this helps you out|||You need to discipline yourself and prioritize... DON'T spend the money! Put it in a bank account.|||Any thing to suggest is of risk and check before you actually invest. I am serially arranging in order of safety and liquidity :-
Gold or Platinum
Checking a/c with Bank
Bond
Mutual Fund (or some other name in your country)
Shares and stocks|||open up a separate savings account and make a direct deposit from your paychecks , as far as for the ammount you should deposit from every paycheck thats something you need to come up with based on the bills you do need to pay every month/week.... also try to go for a smaller bank/credit union thats not on every corner so that you dont get tempted to touch that account and when you open the account tell them you dont want them to send you a card , if they still do make sure to shred it .......... good luck|||I'm in the same boat (moving to NC) and all I can say is this...
Out of sight, out of mind!
I would suggest getting a savings account together (credit unions are good because they can yield interest if you have enough $$$) and start stowing away.
My method is to put in more then what you'd normally put in. The more money saved, the faster you can move... plus it keeps you from spending it on things you know you don't need. Buckle down and good luck to you!
Gold or Platinum
Checking a/c with Bank
Bond
Mutual Fund (or some other name in your country)
Shares and stocks|||open up a separate savings account and make a direct deposit from your paychecks , as far as for the ammount you should deposit from every paycheck thats something you need to come up with based on the bills you do need to pay every month/week.... also try to go for a smaller bank/credit union thats not on every corner so that you dont get tempted to touch that account and when you open the account tell them you dont want them to send you a card , if they still do make sure to shred it .......... good luck|||I'm in the same boat (moving to NC) and all I can say is this...
Out of sight, out of mind!
I would suggest getting a savings account together (credit unions are good because they can yield interest if you have enough $$$) and start stowing away.
My method is to put in more then what you'd normally put in. The more money saved, the faster you can move... plus it keeps you from spending it on things you know you don't need. Buckle down and good luck to you!
Whats the best way to save money for my 1st car?
I want to start saving money for a good car. I have my eyes set on a Jeep Grand Cherokee. It is $3.900. I am studying to get my learners permit here real soon. And I have always wanted to Jeep Grand Cherokee. What the best way to save money for my 1st car?|||get a job put some in bank and let interest grow and start keeping change you never know i already have 5.00 this week from pennies dimes nickels and such|||get a job %26amp; put a certain amount in a savings account every week (or every time you get paid) like 10%-20%, so that way you have some money to spend, and your saving money for your car.|||When you buy a used car, you're also buying possible problems. Do your research on the car to see what the history is like. Go to Consumer Reports' web site and sign up for one month...it costs like $7 and it's worth it!
From what I've been told, Jeeps are generally good cars but I would check into it first.|||Are you currently employed? Do you have bills to pay?. Are you living with parents? do you get allowance? If you are employed, save atleast half of your paycheck, if not all. same with allowance. If you live at home, eat at home. So theres lots of ways of saving, from eating out less, and not spending on junk food. And if you go to Starbucks. Stop. Its the little things that add up.|||I am doin the same thing! its killin me! I want a 16,000 dollar car, but im only at like 5000. I am trying to get a job, but im only 15. Save your allowances, lunch money, shopping money, all that stuff. I earned about 900 $ put together in a year with just $3 a day for lunch. Another couple hundred from my allowances of $20 per friday. Right now I got a raise! to 25 every friday to 4 dollars everyday for lunch! yay. anyways if your still in HS do that and it helps really. In a few years you can probably get it before college.
best of luck!|||get a job|||Get a job and don't spend any of the money you earn. Put it in the highest interest bearing account you can find.
Also take into consideration the extra you'll need for taxes, title and license and paying for insurance and upkeep.|||Make sure your putting away at least 75% of what you earn per paycheck and if you don't work save every dime you get.....No shopping or going out to eat....|||Get a job and put the money in the bank and dont get a girlfriend.
From what I've been told, Jeeps are generally good cars but I would check into it first.|||Are you currently employed? Do you have bills to pay?. Are you living with parents? do you get allowance? If you are employed, save atleast half of your paycheck, if not all. same with allowance. If you live at home, eat at home. So theres lots of ways of saving, from eating out less, and not spending on junk food. And if you go to Starbucks. Stop. Its the little things that add up.|||I am doin the same thing! its killin me! I want a 16,000 dollar car, but im only at like 5000. I am trying to get a job, but im only 15. Save your allowances, lunch money, shopping money, all that stuff. I earned about 900 $ put together in a year with just $3 a day for lunch. Another couple hundred from my allowances of $20 per friday. Right now I got a raise! to 25 every friday to 4 dollars everyday for lunch! yay. anyways if your still in HS do that and it helps really. In a few years you can probably get it before college.
best of luck!|||get a job|||Get a job and don't spend any of the money you earn. Put it in the highest interest bearing account you can find.
Also take into consideration the extra you'll need for taxes, title and license and paying for insurance and upkeep.|||Make sure your putting away at least 75% of what you earn per paycheck and if you don't work save every dime you get.....No shopping or going out to eat....|||Get a job and put the money in the bank and dont get a girlfriend.
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