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sexyandfamous View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote sexyandfamous Quote  Post ReplyReply Direct Link To This Post Posted: Aug 14 2013 at 3:05pm
Originally posted by morenaloca morenaloca wrote:

Originally posted by sexyandfamous sexyandfamous wrote:

Originally posted by morenaloca morenaloca wrote:

I left one of my part time jobs yesterday. Working in a bank is not for me, especially the one I was at. I have a bachelor's in biochemistry but now I am going to cosmo school part time. My ultimate goal is to work for a cosmetics company as a chemist and eventually own my own eco-friendly product line that does not test on animals. I cannot find a job at in a lab with just a bachelors...the competition is fierce I guess. I live in the silicon valley. It's the perfect place for techies but not for me Cry

I can pay my bills fine but I really want to save. I hate renting an apartment. I want my own house and a bigger savings. That's why I had two jobs for the past 6 months. I do not mind not sleeping as much but I just wasn't happy at b of a. So now I am looking elsewhere....this sucks.


Morena, first, I commend you for not wanting to test on animalsClap
Second, have you tried to just create natural cosmetics? Those are the ones that wouldn't require animal testing because they are 100% pure, but since you have a BS in biochemistry, you should know the least harmful unnatural ingredients that wouldn't require extensive testing (or animal testing) to know that is safe for use.

Yes, I've been experimenting with loose pigments/eyeshadow in my apartment the last few months. It's hard coming up with colors that aren't already readily available elsewhere, ya know?
I got a lot of info from online forums and I also made friends with another girl who has a similar goal. I've also been experimenting with skincare things, like serums, lotions, masks and face washes.

 By next spring I'm hoping to have somewhere to keep all my ingredients and where I can play around with it all. There's not enough room at my apartment Embarrassed


Once some girl in a forum had a recipe to make a natural red lipstick with beet juice. I tried it and failed miserably, but I loved the idea of tinting my lips red with something so natural!

I was just complaining on another thread that I wish I could dye my hair red without putting so much chemicals on my head, and I remembered of you and your goal......Big smile


Edited by sexyandfamous - Aug 14 2013 at 3:06pm
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goodm3 View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote goodm3 Quote  Post ReplyReply Direct Link To This Post Posted: Aug 14 2013 at 3:16pm
Originally posted by morenaloca morenaloca wrote:

Originally posted by sexyandfamous sexyandfamous wrote:

Originally posted by morenaloca morenaloca wrote:

I left one of my part time jobs yesterday. Working in a bank is not for me, especially the one I was at. I have a bachelor's in biochemistry but now I am going to cosmo school part time. My ultimate goal is to work for a cosmetics company as a chemist and eventually own my own eco-friendly product line that does not test on animals. I cannot find a job at in a lab with just a bachelors...the competition is fierce I guess. I live in the silicon valley. It's the perfect place for techies but not for me Cry

I can pay my bills fine but I really want to save. I hate renting an apartment. I want my own house and a bigger savings. That's why I had two jobs for the past 6 months. I do not mind not sleeping as much but I just wasn't happy at b of a. So now I am looking elsewhere....this sucks.


Morena, first, I commend you for not wanting to test on animalsClap
Second, have you tried to just create natural cosmetics? Those are the ones that wouldn't require animal testing because they are 100% pure, but since you have a BS in biochemistry, you should know the least harmful unnatural ingredients that wouldn't require extensive testing (or animal testing) to know that is safe for use.

Yes, I've been experimenting with loose pigments/eyeshadow in my apartment the last few months. It's hard coming up with colors that aren't already readily available elsewhere, ya know?
I got a lot of info from online forums and I also made friends with another girl who has a similar goal. I've also been experimenting with skincare things, like serums, lotions, masks and face washes.

 By next spring I'm hoping to have somewhere to keep all my ingredients and where I can play around with it all. There's not enough room at my apartment Embarrassed

Morena...you can actually start now. I'll pm you some information. 
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morenaloca View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote morenaloca Quote  Post ReplyReply Direct Link To This Post Posted: Aug 14 2013 at 10:41pm
Originally posted by sexyandfamous sexyandfamous wrote:

Originally posted by morenaloca morenaloca wrote:

Originally posted by sexyandfamous sexyandfamous wrote:

Originally posted by morenaloca morenaloca wrote:

I left one of my part time jobs yesterday. Working in a bank is not for me, especially the one I was at. I have a bachelor's in biochemistry but now I am going to cosmo school part time. My ultimate goal is to work for a cosmetics company as a chemist and eventually own my own eco-friendly product line that does not test on animals. I cannot find a job at in a lab with just a bachelors...the competition is fierce I guess. I live in the silicon valley. It's the perfect place for techies but not for me Cry

I can pay my bills fine but I really want to save. I hate renting an apartment. I want my own house and a bigger savings. That's why I had two jobs for the past 6 months. I do not mind not sleeping as much but I just wasn't happy at b of a. So now I am looking elsewhere....this sucks.


Morena, first, I commend you for not wanting to test on animalsClap
Second, have you tried to just create natural cosmetics? Those are the ones that wouldn't require animal testing because they are 100% pure, but since you have a BS in biochemistry, you should know the least harmful unnatural ingredients that wouldn't require extensive testing (or animal testing) to know that is safe for use.

Yes, I've been experimenting with loose pigments/eyeshadow in my apartment the last few months. It's hard coming up with colors that aren't already readily available elsewhere, ya know?
I got a lot of info from online forums and I also made friends with another girl who has a similar goal. I've also been experimenting with skincare things, like serums, lotions, masks and face washes.

 By next spring I'm hoping to have somewhere to keep all my ingredients and where I can play around with it all. There's not enough room at my apartment Embarrassed


Once some girl in a forum had a recipe to make a natural red lipstick with beet juice. I tried it and failed miserably, but I loved the idea of tinting my lips red with something so natural!

I was just complaining on another thread that I wish I could dye my hair red without putting so much chemicals on my head, and I remembered of you and your goal......Big smile
Heart
Beetle blood is used in red lipsticks and thats why I don't wear red lipstick Cry They are my #1 fear. They are so creepy! I'd rather be in a stand off with a tarantula...


Edited by morenaloca - Aug 14 2013 at 10:42pm
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SamoneLenior View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SamoneLenior Quote  Post ReplyReply Direct Link To This Post Posted: Aug 15 2013 at 7:31am
Originally posted by tbaby123 tbaby123 wrote:

what;s a good bank to start an emergency fund in?

i've been reading captial one has a good savings account, ING is good ( is it being bought out?) and Ally??

Also, do you have a retirement AND a roth ira AND an emergency fund AND a "normal" savings account (like for traveling adn stuff) and how much do you decide to put in each every month?

whats more important.. reducing ur debt (grad loans) or saving (for roth/retirement/emergency fund?)


no pro but you should have all of those accounts

our 401ks are for our retirement and my IRAs (not roth, but I will get one soon) are for my (our) retirement

we have a checking that we put a little into, I guess that is our emergency fund (need to put more into it)

and we have a normal saving account (we don't use this money)

we also have our personal checking accounts (not joint) - this for traveling, eating out, etc.

I have heard it is better to pay down your debt first then save, but I would like to think it is better to do both at the same time, but focus more on reducing your debt

if that makes sense

someone else can chime in
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Post Options Post Options   Thanks (0) Thanks(0)   Quote GoodGirlGoneGr8 Quote  Post ReplyReply Direct Link To This Post Posted: Sep 12 2013 at 6:33am
Pretty lengthy...

I'm in the process of making a somewhat difficult decision. I started a new job @ the beginning of July. My job is about 22 miles from my job.

Soooo, I have a 25 minute commute to and from work every morning and afternoon…gas is pricey and is now becoming an expense all in itself. I currently pay $600 in rent where I live and it does not include lights/cable/internet etc.

So, between gas and rent alone, I am dishing out about $900/month. Plus, I still have to pay car insurance, cell, electric, cable, internet, etc.

My lease is up at the end of October, and I have the next few days to let the apartment complex leasing ppl know whether or not I’d like to renew. I REALLY don’t want to.

Moving back home with my mom is NOT an option as she lives even further away from my job than I do.

I put an ad out on a rooming site and I was offered a place...it’s a guest apartment connected to this woman’s house. The apartment has a private entrance w/it’s own bathroom, kitchen, etc. She’s wanting $350 and that includes electricity/cable/wifi etc…

I NEED to repay my debt, student loans, etc…and I honestly don’t have much surplus income to do that once my bills are paid. Repaying my debts and raising my credit score is priority. I don’t want to be 30 with zero savings and mediocre credit.

The new place would be about 10 minutes from my job. So I wouldn’t be dishing out as much in gas, and I would be paying a lot less in rent—enough for me to start repaying my debt and saving more.

I’m willing to be inconvenienced temporarily if it’ll help me in the long-run.

Thoughts?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote journeytolong Quote  Post ReplyReply Direct Link To This Post Posted: Oct 18 2013 at 2:43pm
Good thread.
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niecy View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote niecy Quote  Post ReplyReply Direct Link To This Post Posted: Oct 18 2013 at 3:05pm
Originally posted by GoodGirlGoneGr8 GoodGirlGoneGr8 wrote:

Pretty lengthy...

I'm in the process of making a somewhat difficult decision. I started a new job @ the beginning of July. My job is about 22 miles from my job.

Soooo, I have a 25 minute commute to and from work every morning and afternoon…gas is pricey and is now becoming an expense all in itself. I currently pay $600 in rent where I live and it does not include lights/cable/internet etc.

So, between gas and rent alone, I am dishing out about $900/month. Plus, I still have to pay car insurance, cell, electric, cable, internet, etc.

My lease is up at the end of October, and I have the next few days to let the apartment complex leasing ppl know whether or not I’d like to renew. I REALLY don’t want to.

Moving back home with my mom is NOT an option as she lives even further away from my job than I do.

I put an ad out on a rooming site and I was offered a place...it’s a guest apartment connected to this woman’s house. The apartment has a private entrance w/it’s own bathroom, kitchen, etc. She’s wanting $350 and that includes electricity/cable/wifi etc…

I NEED to repay my debt, student loans, etc…and I honestly don’t have much surplus income to do that once my bills are paid. Repaying my debts and raising my credit score is priority. I don’t want to be 30 with zero savings and mediocre credit.

The new place would be about 10 minutes from my job. So I wouldn’t be dishing out as much in gas, and I would be paying a lot less in rent—enough for me to start repaying my debt and saving more.

I’m willing to be inconvenienced temporarily if it’ll help me in the long-run.

Thoughts?

Don't know if you made a decision yet but if it's only $350 including all the utilities AND it's closer to your job then I say go for it especially if it'll be saving you money in the long run as far as gas and rent. That's money you can use towards other things.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote nekamarie83 Quote  Post ReplyReply Direct Link To This Post Posted: Oct 18 2013 at 3:23pm
Originally posted by journeytolong journeytolong wrote:

Good thread.
very and i was actually wanting to find this. 

thanks for bumping, jtl.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SoutherNtellect Quote  Post ReplyReply Direct Link To This Post Posted: Jan 03 2014 at 5:03pm
anybody working on this in 2014?

yea i bumped it
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Post Options Post Options   Thanks (0) Thanks(0)   Quote LovesHim Quote  Post ReplyReply Direct Link To This Post Posted: Jan 03 2014 at 5:24pm
maybe not 500k.... but im working on generating extra revenue 
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