Black Hair Media Forum Homepage
BHM BHM BHM
Forum Home Forum Home > Lets Talk > Talk, Talk, and More Talk
  New Posts New Posts RSS Feed - Road to Financial Independence 500K
  FAQ FAQ  Forum Search   Register Register  Login Login
Angkor Cambodian Hair
 

Road to Financial Independence 500K

 
 Post Reply Post Reply Page  <1 4344454647 52>
It Always Begin With Beautiful Hair

Bootiful Cream



Author
 Rating: Topic Rating: 20 Votes, Average 4.00  Topic Search Topic Search  Topic Options Topic Options
niecy View Drop Down
Elite Member
Elite Member
Avatar

Joined: Nov 10 2008
Location: US - Florida
Status: Offline
Points: 101750
Post Options Post Options   Thanks (0) Thanks(0)   Quote niecy Quote  Post ReplyReply Direct Link To This Post Posted: May 09 2013 at 10:56am
Originally posted by talia talia wrote:

Originally posted by niecy niecy wrote:

I'm mad I typed this big paragraph and it wouldn't post lol

But from what the lady I watched on youtube showed she doesn't actually spend a whole day cooking up each meal. She just creates a menu for the whole month then spends a day out of the month putting together all the ingredients for each meal then portioning the uncooked foods into ziplock bags and freezing them. That way the night before or the morning of that each specific meal is supposed to be cooked all she has to do is defrost the ziplock bag of food and pop the food into the oven or on the stove to cook and doesn't have to spend an hour each night just on cutting up meat and vegetables before cooking. Plus she usually portions out enough of each meal to last her family two days so she doesn't have to cook every night.


Neicy, as if I wasn't OCD enough, this weekend I decided to try out what that lady on youtube does.

I made 4 dinners for the week...all the freezer could accommodate.  While I was cooking the 4 dinners, the SO made 15 lunches for us....of course I cooked the chicken since I was hogging up the stove, but he did the chopping/slicing/dicingLOL  Total prep time was about 2.5 hours for both lunches and dinners......now if I could just get the house to clean itselfConfused 

I'm trying to convince the SO to put a deep freezer in the garage, but he's like naaaawww then you'd be cooking for a month at a timeLOLLOLLOLLOLLOLLOLLOLLOLLOLLOL

Here are my lunches all ready to go, plus I hard boiled 10 eggs so that I have my breakfast ready every morning:


The dinners: 1 night is pasta with turkey meatballs, night 2 - salmon, sauteed asparagus w/ zucchini, fried yucca, night 3 - Sauteed chicken, quinoa, blackbeans, night 4 - chicken, sauteed kale/onions/peppers, and yam.  I think clean up will be a breeze, best part will definitely be that I won't have to think about what's for dinner or be tempted to not cook.  It is all done. Instead of the ziplock bag I used containers.  Easy to defrost and reheat in the container.

 





2.5 hours? Not bad. I still have yet to try out this method because things have been so hectic lately but I know when I have my kiddo I'm going to have to try it out. Especially since I know I'm going to be too tired to want to slave over the stove for an hour and a half every other night with a newborn lol
Back to Top
Sponsored Links


Back to Top
talia View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 04 2007
Status: Offline
Points: 13587
Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 6:30am
Originally posted by goodm3 goodm3 wrote:

Sigh.... BHM ate my post...

Anywho, Talia you may be able to find some courses here... 


I've never taken any of those free courses but ironically I do know a girl who took one those free classes at MIT. She posted her certificate so those are legit.

Thanks!  That Investopedia is fabulooooous!  Me likey lots!!!!
Back to Top
talia View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 04 2007
Status: Offline
Points: 13587
Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 6:32am
Originally posted by .hott.pink. .hott.pink. wrote:

Originally posted by EPITOME EPITOME wrote:

uhm...a protective plan is an investment.  i never buy an electronic item w/o one tbh..just seems silly not to

You're right.

I suppose since I'm under budget either way it's ok lol. I was just trying to save as much as possible. 

ITA with everything GoodM3 said and Epitome....plus like they said you'll be able to write it off....which is even better.
Back to Top
talia View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 04 2007
Status: Offline
Points: 13587
Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 6:47am
Well ladies, I'm still on the grind.

The SO and I have been talking....I'm seriously just going to knock out my student loan debt.  I figure if I throw 1,000 at it every month, in less than a year I'll be paid off.  I hate having any kind of debt and really the payments are so low ($102/mo), but in the long run I will save in interest fees.  The only downside it's going to lower my savings rate....which makes me sad...lol.  At home the SO pays all the expenses (mortgage, taxes, repairs, utilities) and all I do is purchase food for the house pay my cellphone, car ins., and life ins. gym membership---with the agreement that I bank the remainder of my income so that we can hit FI. 

I'm also thinking about picking up a part time job this summer....we are not travelling overseas till the fall...just locally during the summer, and I'm going to drive myself batty being home which will probably have me spending money out of my budget.  I didn't want to teach summer school .... umm no thanks, but I do want to keep busy.  Still debating about the PT job, I get paid over the summers even if I don't work so the extra money would be for what???  Rhetorical question...and will it be worth the time....like I said I'm still debating....rambling here.

ETA - and what kind of job...I ain't got a clue...never worked retail/service industry that might be fun...or not.




Edited by talia - May 10 2013 at 6:54am
Back to Top
talia View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 04 2007
Status: Offline
Points: 13587
Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 6:52am
Originally posted by niecy niecy wrote:

Originally posted by talia talia wrote:

Originally posted by niecy niecy wrote:

I'm mad I typed this big paragraph and it wouldn't post lol

But from what the lady I watched on youtube showed she doesn't actually spend a whole day cooking up each meal. She just creates a menu for the whole month then spends a day out of the month putting together all the ingredients for each meal then portioning the uncooked foods into ziplock bags and freezing them. That way the night before or the morning of that each specific meal is supposed to be cooked all she has to do is defrost the ziplock bag of food and pop the food into the oven or on the stove to cook and doesn't have to spend an hour each night just on cutting up meat and vegetables before cooking. Plus she usually portions out enough of each meal to last her family two days so she doesn't have to cook every night.


Neicy, as if I wasn't OCD enough, this weekend I decided to try out what that lady on youtube does.

I made 4 dinners for the week...all the freezer could accommodate.  While I was cooking the 4 dinners, the SO made 15 lunches for us....of course I cooked the chicken since I was hogging up the stove, but he did the chopping/slicing/dicingLOL  Total prep time was about 2.5 hours for both lunches and dinners......now if I could just get the house to clean itselfConfused 

I'm trying to convince the SO to put a deep freezer in the garage, but he's like naaaawww then you'd be cooking for a month at a timeLOLLOLLOLLOLLOLLOLLOLLOLLOLLOL

Here are my lunches all ready to go, plus I hard boiled 10 eggs so that I have my breakfast ready every morning:


The dinners: 1 night is pasta with turkey meatballs, night 2 - salmon, sauteed asparagus w/ zucchini, fried yucca, night 3 - Sauteed chicken, quinoa, blackbeans, night 4 - chicken, sauteed kale/onions/peppers, and yam.  I think clean up will be a breeze, best part will definitely be that I won't have to think about what's for dinner or be tempted to not cook.  It is all done. Instead of the ziplock bag I used containers.  Easy to defrost and reheat in the container.

 





2.5 hours? Not bad. I still have yet to try out this method because things have been so hectic lately but I know when I have my kiddo I'm going to have to try it out. Especially since I know I'm going to be too tired to want to slave over the stove for an hour and a half every other night with a newborn lol

LOL....girl it saves time.  I know it can sure get hectic with a newborn.  You know what makes this so easy is that all I do is take out the meals from the freezer in the am, put them in the refrigerator and by the time I come home from work, it's defrosted and ready to be reheated.

This weekend I'm doing all my cooking on Saturday - trying out a new recipe for whipped cauliflower as a substitute for mashed potatoes.  I had it at a dinner once and wow was it tasty...I'm hoping it freezes equally well.  I'm also going to make fresh hummus.....cheaper than buying it at the store for $5.00 for an 8 ounce container when I can make two pounds of hummus for less than $2.00.  
Back to Top
Midna View Drop Down
Elite Member
Elite Member
Avatar

Joined: Sep 02 2010
Location: Hell
Status: Offline
Points: 234082
Post Options Post Options   Thanks (3) Thanks(3)   Quote Midna Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 10:15am
My god, Smartypig is meticulous as fuuuuuck. But I KNOW they're secure. I signed up for Smartypig like a month ago and failed the application part because it was asking me for a mortgage I knew nothing about- my mother's house. So they had me confirm my identity by mail. Now I have to confirm my bank as a legit source of funding and they're doing it by making a small deposit into my bank and it takes two days.

Hasn't even come yet. Aie! I'm getting impatient!!
Back to Top
MsBMW View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 05 2006
Status: Offline
Points: 22421
Post Options Post Options   Thanks (1) Thanks(1)   Quote MsBMW Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 10:18am
I love this thread starting from the 1st page again...
Back to Top
niecy View Drop Down
Elite Member
Elite Member
Avatar

Joined: Nov 10 2008
Location: US - Florida
Status: Offline
Points: 101750
Post Options Post Options   Thanks (0) Thanks(0)   Quote niecy Quote  Post ReplyReply Direct Link To This Post Posted: May 10 2013 at 11:05am
Originally posted by Midna Midna wrote:

My god, Smartypig is meticulous as fuuuuuck. But I KNOW they're secure. I signed up for Smartypig like a month ago and failed the application part because it was asking me for a mortgage I knew nothing about- my mother's house. So they had me confirm my identity by mail. Now I have to confirm my bank as a legit source of funding and they're doing it by making a small deposit into my bank and it takes two days.

Hasn't even come yet. Aie! I'm getting impatient!!

LOL I made an account with them because of someone posting about it here. I love it when companies ask all those million and one questions when you sign up for their site. It makes me feel a little safer knowing that nobody can sign up for an account under my name unless they know all that information about me.
Back to Top
talia View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 04 2007
Status: Offline
Points: 13587
Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 11 2013 at 8:34am
Originally posted by niecy niecy wrote:

Originally posted by Midna Midna wrote:

My god, Smartypig is meticulous as fuuuuuck. But I KNOW they're secure. I signed up for Smartypig like a month ago and failed the application part because it was asking me for a mortgage I knew nothing about- my mother's house. So they had me confirm my identity by mail. Now I have to confirm my bank as a legit source of funding and they're doing it by making a small deposit into my bank and it takes two days.

Hasn't even come yet. Aie! I'm getting impatient!!

LOL I made an account with them because of someone posting about it here. I love it when companies ask all those million and one questions when you sign up for their site. It makes me feel a little safer knowing that nobody can sign up for an account under my name unless they know all that information about me.

I just went on to their site.....it has possibilities.  I see a vacation fund in my future....LOLLOLLOLLOL

I like that they have all these wonderful money $$$$$aving tips!!!!
Back to Top
talia View Drop Down
Elite Member
Elite Member
Avatar

Joined: Oct 04 2007
Status: Offline
Points: 13587
Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 14 2013 at 1:14pm
Read this on yahoo, it is kind of depressing but true.....

Biggest Loser: My Fight Against Big Debt

TheStreet.comBy Deepa Venkatraghvan | TheStreet.com – 7 hours ago

NEW YORK (MainStreet) —Paying off your debt can be a lot like losing weight. It's a complete mind game and often a frustratingly Sisyphean process. If you don't agree, you should listen to Natalie Warwick's story*. At 38, Warwick has been there, done that. From seeing poverty in the eye to running a successful bookkeeping business, hers is one inspiring tale you won't want to miss.

Also see: Beware 0% APR Credit Cards

In 1995 as a young, creative yet idealistic teacher, Warwick and her then musician-boyfriend were just starting off their life together. "I worked as an arts educator. I did after school art programs for kids and I loved it," she said. "It was a great job but just didn't pay very well. My ex-boyfriend was a musician who made a decent amount of money back then." Their two girls were born in 1996 and 1998 at which time Natalie took a short break from work to care for her daughters. But things weren't going too well between the couple and by 2000, Natalie and her boyfriend broke things off.

She was now a single mom with two kids and a low paying job. At that time, she made $1400 a month, and her rent was $1200. "It was the cheapest deal, a one bedroom house in suburban Oakland," she said. "I got my friend to make bunk beds for my kids in the closet."

Up until then, she had used her credit cards sparingly. She confessed that they spent a lot of money, sometimes for dumb things, but they rarely charged their credit cards. But now, that changed. She had the benefit of subsidized child and health care. But there were also other expenses like car insurance and occasional car repairs, groceries and other kids' expenses. "After I became a single mom, I was left with so little at the end of the month that I had no option but to put expenses on my credit card," she said. "My kids' father was not in great shape himself and was not able to contribute anything at that time. That was when my struggle with debt really began."

In her first four years of being single, she had added $17,000 to her credit card putting down only the minimum each month. Half of her expenses she believes were genuine and she could not have done anything about them. But the other half she said could have been much less. She remembered that her most foolish expenses were when she was the poorest. "We would go four days in a row eating just Mac and Cheese for dinner and on the fifth day I would say, 'What the heck?' and we would go out and eat at a restaurant," she said. "I would suddenly have an urge to take my daughter shopping, and I would go to the store instead of the thrift shop."

Also see: How Paying Just the Minimum on Your Credit Card is a Trap

"I think this is a very common mistake," said Ariadne Horstman, a private client specialist at Sensiba San Filippo Financial Advisers LLC. "People don't realize how much they are spending. They don't realize how tough it's going to be to get out of a bad money situation. It's difficult, but it's important that people learn to live within their means."

In 2004, Natalie got the opportunity to move in with friends in another, cheaper neighborhood. Her rent dropped to $700 per month, but unfortunately her car insurance doubled. "It's funny how the poor suffer," she said. "I had moved just four blocks away, but because the new place was in a bad neighborhood, my car insurance nearly doubled. But I had to keep the car."

The money freed up from the rent was good but still not good enough. Apart from paying more on car insurance, she had to put up money in deposits. So she kept charging her card for things like groceries. She remembered that back in the day, she would shop for groceries using a calculator, just to stay in budget.

Soon, while on one hand she tried to scale down expenses, on the other she was looking at ways to increase her income. She went back to college and got her degree in humanities. While she got grants for tuition, she had to spend on books and material. Again, she swiped her credit card. After all this, however, a degree in humanities didn't get her a high paying job.

Also see: How To Track Your Spending Beyond Mint.com

"It was early 2005 and I was at the bottom," she said. "I had to either find a way out or lean on my family's net worth. I really didn't want to do the latter. That's when I took this course that teaches you about the psychology of money. It was a four-month course, and the group met once a month. The instructor helped us explore our relationship with money. We had to answer questions like, 'When did you earn your first money? What did you do with it? Did you talk money at home as kids?' and so on. A lot of us in the group were deeply affected and these questions made us introspect."

This was really the turning point in Warwick's life. life. "Until now I was an artist, activist and social worker," Warwick said. "In my mind, money was the root of evil and I had the idea that if I had enough money for myself, it meant that I was taking it from someone else who needed it. And because of that, I had landed myself in debt and was depriving my children a good upbringing."

While the course helped her become more aware of her relationship with money, Warwick realized that its teachings were difficult to put to practice. She had to work hard to kick old habits, and it took two years before she could get her spending on track. "I would still spend brashly sometimes," Warwick said. "Like once I put down $700 to send my daughters to summer camp. When I think about it now, I think I could have saved that money." With a little help from her sister, she also learned the bookkeeping business and started doing small jobs in that area.

In 2006, her bookkeeping business started building good traction. She decided to completely give up on her career as an arts educator and focus on being a bookkeeper. She moved to Santa Rosa, Calif. At about the same time, the kids' father started contributing as well. He gave her $300 a month toward child support, which gradually went up to $500 by 2009. "My sister told me to start creating cushions," Warwick said. "So I started putting away all the child support money into a separate account that I use for important expenses. I started building a fund for emergencies like car repairs so I don't have to draw on my credit card for those expenses. Today, I have about $900 in there."

Also see: The 'Mom'Value--The Moola Files

"Creating an emergency fund is the most basic principle of financial planning," Horstman said. "We tell our clients to always keep six to twelve months' expenses in cash before they can even think of spending, so I think this must have been an important step for Natalie."

Today, Warwick has a growing business that helps her make $4,000 to $5,000 a month. Yet, her battles are not over. Her credit card debt is very volatile. In 2010 she had managed to pay down some money and bring it down to $19,000, but soon after she needed some major dental work which she put on her card, shooting her total debt up to $24,000. Today, with all the interest, her debt stands at $27,000, but she has stopped charging it completely.

"Today, I am not out of debt by any means," she said. "My situation is somewhat fragile, but it is much more stable than before and I can pay my bills. I have my emergency cushions which I don't touch. I have good control over my spending. I am strict with my budget to the extent that I review my finances every three days. I never charge my card and even if I do, I pay it off in full. And of course, I continue to put whatever I can toward paying off my outstanding credit card dues."

Today, as a bookkeeper, she helps keep track of other people's money. "The core message I like to give is to understand your relationship with money, the way you think about money," Warwick said. "There were times when as a single mom I did not earn enough and did not live within my means. I could only overcome all that when I went into the deeper psychology of it all."

"One of the biggest mistakes that people make is that they let their emotions override logic," Horstman said. "Secondly, they don't plan and manage their finances. I have seen clients who earn substantially well but are always stressed about not having enough. That's because they don't plan in a systematic way. Everyone should follow some basic mantras – keep money aside for emergencies, don't accumulate high cost debts or if you already have, focus on paying them off. And lastly, start saving early. It will go a long way in building a healthy financial future."

*Name changed to protect identity --Written by Deepa Venkatraghvan for MainStreet--
Back to Top
Get Longer Healthier Faster Growing Hair
Get Healthier Stronger Longer Hair
Glam Twinz
Weave Connection
Little Black Scarf
Human Hair Wigs
Wefting Training
Brazilian Hair
Brazilian Hair
Wig and Hair Extension on Amazon
 Post Reply Post Reply Page  <1 4344454647 52>
  Share Topic   

Forum Jump Forum Permissions View Drop Down