Comments for Saving Without A Budget http://www.savingwithoutabudget.com Saving Lots of Money Is Easy. I'll Show You How. Fri, 04 Jul 2008 19:01:58 +0000 http://wordpress.org/?v=2.3.3 Comment on Give Up Smoking - Or Better Yet, Don’t Even Start by cigarette price in ny http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/#comment-50843 cigarette price in ny Sun, 01 Jun 2008 11:20:23 +0000 http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/#comment-50843 [...] of cigarettes per day spends roughly 1,600 per year on smokes. That??s a lot of money to be spendihttp://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/TobaccoSmoking Cessation in New York State PDF, 262KB, 48pg. cigarette Purchasing Patterns Among New [...] […] of cigarettes per day spends roughly 1,600 per year on smokes. That??s a lot of money to be spendihttp://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/TobaccoSmoking Cessation in New York State PDF, 262KB, 48pg. cigarette Purchasing Patterns Among New […]

]]> Comment on If You Need to Refinance, The Sooner You Do It, The Better by James http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comment-50610 James Wed, 14 May 2008 12:06:07 +0000 http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comment-50610 Well in my case, the house im going to buy has gone down much more than mine that im selling (and have a buyer after 2 weeks).. so I think that there will be some upsides. James Well in my case, the house im going to buy has gone down much more than mine that im selling (and have a buyer after 2 weeks).. so I think that there will be some upsides.

James

]]> Comment on If You Need to Refinance, The Sooner You Do It, The Better by Kathryn http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comment-50522 Kathryn Wed, 07 May 2008 22:07:16 +0000 http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comment-50522 The real estate market NEEDS to adjust. The loan industry has artificially increased the value of homes by creating insane products. Who NEEDS a sixty year mortgage? The best way to stay out of hot water is to only borrow what one income in the family can pay and to keep mortgage payments around or below 25% of monthly expenses. (for the record, I was one of those people who got a variable rate mortgage. The first few years it dropped until it was below anything that you can get today. We locked as soon as rates began to rise ;) ). The real estate market NEEDS to adjust. The loan industry has artificially increased the value of homes by creating insane products. Who NEEDS a sixty year mortgage?

The best way to stay out of hot water is to only borrow what one income in the family can pay and to keep mortgage payments around or below 25% of monthly expenses.

(for the record, I was one of those people who got a variable rate mortgage. The first few years it dropped until it was below anything that you can get today. We locked as soon as rates began to rise ;) ).

]]> Comment on Don’t Pay ATM Fees by Dan http://www.savingwithoutabudget.com/miscellaneous/dont-pay-atm-fees/#comment-50287 Dan Mon, 21 Apr 2008 21:06:53 +0000 http://www.savingwithoutabudget.com/miscellaneous/dont-pay-atm-fees/#comment-50287 Find a bank w/out ATM fees; i.e., First Republic Bank, Schwab, etc. Find a bank w/out ATM fees; i.e., First Republic Bank, Schwab, etc.

]]> Comment on 90% of People Believe Personal Finance Should be Taught in School by finance » Blog Archive » 90% of People Believe Personal Finance Should a Required Part of School http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/#comment-49551 finance » Blog Archive » 90% of People Believe Personal Finance Should a Required Part of School Sat, 05 Apr 2008 09:05:53 +0000 http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/#comment-49551 [...] read more | digg story [...] […] read more | digg story […]

]]> Comment on If You Need to Refinance, The Sooner You Do It, The Better by Matt Sullivan http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comment-49503 Matt Sullivan Fri, 04 Apr 2008 18:18:31 +0000 http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comment-49503 You could not be more correct. I am in the credit coaching industry and it is amazing how quickly the market continues to tighten. The waters are going to get even rougher before the year is done. You could not be more correct. I am in the credit coaching industry and it is amazing how quickly the market continues to tighten.

The waters are going to get even rougher before the year is done.

]]> Comment on Give Up Smoking - Or Better Yet, Don’t Even Start by Andrea http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/#comment-49450 Andrea Fri, 04 Apr 2008 03:37:51 +0000 http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/#comment-49450 For the person who said smokers are great for revenue...think again. All these smokers are gonna end up with mad health problems meaning more tax dollars going to state health insurances like medicare, amerigroup, medicaid, etc...any other tax is nothing in comparison. For the person who said smokers are great for revenue…think again.

All these smokers are gonna end up with mad health problems meaning more tax dollars going to state health insurances like medicare, amerigroup, medicaid, etc…any other tax is nothing in comparison.

]]> Comment on When Do You Think Housing Will Rebound? by Justin H. from Checks For Less http://www.savingwithoutabudget.com/around-the-house/when-do-you-think-housing-will-rebound/#comment-49423 Justin H. from Checks For Less Thu, 03 Apr 2008 14:41:32 +0000 http://www.savingwithoutabudget.com/around-the-house/when-do-you-think-housing-will-rebound/#comment-49423 I agree with Kenneth. As a matter of fact my own property in South Florida is another example. Bought it in 2002 for just under 500k, in 2005-2006 similar homes were selling for $750-$800 and now in 2008, you can't get more than $700k for them. I agree with Kenneth. As a matter of fact my own property in South Florida is another example. Bought it in 2002 for just under 500k, in 2005-2006 similar homes were selling for $750-$800 and now in 2008, you can’t get more than $700k for them.

]]> Comment on 90% of People Believe Personal Finance Should be Taught in School by claudio http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/#comment-49264 claudio Thu, 27 Mar 2008 17:08:38 +0000 http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/#comment-49264 It is a joke that this is not taught at the high school level. This is done on purpose because the government wants it this way because the more people spend, the more the corporations make, the more they make, the more taxes they pay and the more the government has to push their agenda on the rest of the world. If People really knew how to manage money they would spend less and save more, but that is not good for the government because they will collect less taxes. Its not coincidence that personal finance is not required in High School and probably never will be. By withholding knowledge from the masses, the government and rich corporations have power over us because we dont have the knowledge, the day this changes is the day that the gap between rich and poor starts to narrow and wealth will be better distributed amongst all people. At the same time, corporations will lose some of their luster. Also, did you know that banks make over $ 9 billion a year in late fees and fees in general. In theory, if everyone was careful and did things right this number should be zero. What do you think the companies and the government would say to that ? They would not be too happy because its less money in their pockets. The whole system is a joke. It is a joke that this is not taught at the high school level. This is done on purpose because the government wants it this way because the more people spend, the more the corporations make, the more they make, the more taxes they pay and the more the government has to push their agenda on the rest of the world. If People really knew how to manage money they would spend less and save more, but that is not good for the government because they will collect less taxes. Its not coincidence that personal finance is not required in High School and probably never will be. By withholding knowledge from the masses, the government and rich corporations have power over us because we dont have the knowledge, the day this changes is the day that the gap between rich and poor starts to narrow and wealth will be better distributed amongst all people. At the same time, corporations will lose some of their luster. Also, did you know that banks make over $ 9 billion a year in late fees and fees in general. In theory, if everyone was careful and did things right this number should be zero. What do you think the companies and the government would say to that ? They would not be too happy because its less money in their pockets. The whole system is a joke.

]]> Comment on Higher Food Prices May End Up Being A Blessing In Disguise by nebby http://www.savingwithoutabudget.com/food/higher-food-prices-may-end-up-being-a-blessing-in-disguise/#comment-48128 nebby Thu, 13 Mar 2008 00:45:12 +0000 http://www.savingwithoutabudget.com/food/higher-food-prices-may-end-up-being-a-blessing-in-disguise/#comment-48128 Great article! However, lets think about this in depth. Food prices increase=like you said more selective on food choices. The problem with this being what Americans contributing to obesity and this solving that issue may be backwords from what you have discussed. Lets think about a large family with many mouths to feed on a limited budget: Heatlthy foods tend to be higher priced and food that are high in fat and calories are the cheapest when bought in bulk......therefore people will lean towards the comfort food that make them feel full...higher in fat foods! So, i think they will tend to spend less and get more fatty food beacuse they are cheaper and fill you up with less quantities based on their caloric vales anyway. Just a Great article! However, lets think about this in depth.
Food prices increase=like you said more selective on food choices.
The problem with this being what Americans contributing to obesity and this solving that issue may be backwords from what you have discussed.
Lets think about a large family with many mouths to feed on a limited budget:
Heatlthy foods tend to be higher priced and food that are high in fat and calories are the cheapest when bought in bulk……therefore people will lean towards the comfort food that make them feel full…higher in fat foods! So, i think they will tend to spend less and get more fatty food beacuse they are cheaper and fill you up with less quantities based on their caloric vales anyway.
Just a

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