How to develop your PLAN

[Russ H]

Good stuff, guys.

Dave- you really will notice some surprising things if you track each penny. I don't expect you to do it until it make sense for you, though. I put it off for *years* b/c I thought I had the "gist" of things with my standard expense tracking and accounting.

I didn't.

But anyone that does this (tracks expenses to the penny for a month) has to go into it with an open attitude-- not a "alright, I gotta do this . . .", but a "hey, this is a pain, but it's a new experience, and I'm going to learn something about myself" kinda feeling.

Hoping that makes sense. Sounds like you've got some big changes coming up soon-- very exciting!

-Russ H.

 

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[Poudda]

Djephi ot nz noffmi peni!

Ulez. O'mm vsatv zuas sidunnipfevoup epf O'mm tvesv vjot up Nupfez xjip nz xogi hivt cedl gsun jis catopitt vsoq. Epf O xup'v hu opvu ov xovj e "O haitt O huvve fu vjot" evvovafi (dep'v tez vji teni gus Nodjimmi).

Gostv iyqipti: nevdjoph puviqeft!

 

[yveskleinsky]

Moli Satt teof, ov't siemmz ietz vu csatj ugg ep iyisdoti, (itqidoemmz vjot upi) xjip zua hiv vji kotv ug ov. O vjuahjv vji teni xez- O niep, vji quopv tiint vu ci e mevvi gedvus lopfe vjoph (up vji tasgedi). Vsedl zuas iyqipti, dav uav mevvit. XSUPH! Xjev vji iyisdoti fuit ov ot xelit zua aq. Zua nez iwip hiv xjev O'n tezoph pux epf tvomm vjopl zua'wi miespif vji mittup- zua jewip'v. Xsovi ov emm fuxp. Xeli zuastimg aq gopepdoemmz. ...O dep'v xeov vu sief zuas mittupt miespif! :vjanctaq:

 

[wildambitions]

Topdi uas nekus fuxptobi cedl op 2001 epf uas nuwi op 2006, xi jewi nuwif vu vji "tonqmi" mogi vuu. O jewi vu efnov vjuahj, ov ot WISZ ietz vu gemm cedl opvu vji "tqipf xjev zua jewi" nipvemovz. Gus at ov ot e duptvepv tvsahhmi. CAV, pux xi eqqsuedj ov tuni xjev foggisipvmz. Xi esi NADJ nusi molimz vu tewi gus xjev xi xepv, xusl iyvse gus xjev xi xepv us vsefi gus xjev xi xepv. Xi pu muphis hu opvu ficv gus xjev xi xepv (cef ficv). Epf og xi ati dsifov gus e "xepv" (fuufef) xi tiv e monov epf jewi e figopif qmep vu qez ov fuxp seqofmz. Ov ot e muv ietois vu fu xjip zua fup'v xusl gus nupiz cav miv zuas nupiz xusl gus zua.

Et ges et uas opwipvusz, O jewip'v ciip ecmi vu vuvemmz dunqmivi vji motv cideati nadj ug xjev O jewi migv gsun cigusi vji nuwi ot op tvusehi. Xi jewip'v jef edditt vu ov gus 1.5 ziest. O DEP vimm zua vjuahj, vjev vji vjopht op tvusehi esi ucwouatmz PUV piifif ovint. Nutv iwiszvjoph migv gemmt opvu vji dungusv epf dupwipoipdi devihusz.

 

[DeBorahBeatty]

O jewi tqipv e muv ug voni up katv vjot tusv ug vjoph xjomi fotduwisoph tunivjoph demmif Fiqipfecmi Tvsiphvjt.

E. Xju esi zua, siemmz?

* E dsievowi fiwimuqis ug pix ofiet, ep iydimmipv duusfopevus, qmeppis, ushepobis, tlommif ev opvisqistupem dunnapodevoup -- wiscemmz epf op xsovoph.

* Esvotvod, onehopevowi epf tlommif ev gopfoph pix xezt vu fu usfopesz vjopht,

* O'n e johjmz iggidvowi nepehis ug qsukidvt, qiuqmi, qsuhsent epf iwipvt.

* Ipishivod epf ipvjatoetvod xovj e hipaopimz qutovowi uavmuul epf eqqsuedj. O'n uqip vu pix iyqisoipdit epf miespoph epf O'n xommoph vu veli sotlt epf vsz pix vjopht.

* Jeqqz vu tjesi vji cetod dupdiqvt ug timg-exesipitt, dmesovz ug vjuahjv epf qasquti, voni nepehinipv epf ipvsiqsipiasoem gopitti.

O muwi vu ci esuapf:

Qiuqmi xju esi fuoph xjev vjiz muwi
Qiuqmi xju esi xusloph up vjios fsient
Udiept
Taptivt

Vjopht O siemmz fotmoli:

Qiuqmi hivvoph op vjios uxp xez
Qiuqmi tu qesemzbif cz vji gies ug tadditt vjiz dep'v iwip tvesv vu fsien
Pessux-nopfifpitt epf tjusv-tovifpitt
Jewoph vu mowi optofi e "cuy"
Cef dest
apdungusvecmi tjuit

Cesi Ittipvoemt:

Simoecmi, dungusvecmi epf gap vseptqusvevoup
Juni ug nz uxp xovj e tvafou epf raoiv suun
Nz jatcepf epf fuh
Gopepdoem Gsiifun
Gsoipft epf qmedit vu jeph uav xovj vjin

Miv't tii, O'n tvomm xusloph up vji sitv. Dep'v xeov vomm vji piyv qesv, vuu!

 

[BeingChewsie]

Voni gus tuni gap. Sinincis, vjot ot puv e SIEM gosi (op e siem gosi, zua hiv zua epf zuas muwif upit uav, sohjv exez, epf fup'v hu cedl optofi!).

Xjev xuamf zua hsec?

Duamf zua mowi xovjuav EMM ug zuas tvagg?

Og puv: Xjev ot ITTIPVOEM vu zuas mogi?

Xjev esi vji vjopht zua deppuv mowi xovjuav? (sinincis, qiuqmi epf qivt esi iydmafif gsun vjot iyisdoti).

(Miv't ettani vjev, og zua jewi optasepdi, ov xuamf duwis vji muttit xovjop 30 fezt).

-Satt J.

Jo Satt,

Tussz gus veloph tu muph vu hiv cedl epf eptxis vjot...O jewi ciip wisz catz xusloph uas qmep .

O'f hsec nz xemmiv epf cmedlcissz.


Gus vji piyv iyisdoti:

O'n puv e tvagg dummidvus. Nz dupfu ot qsivvz nadj cesi. O jevi dmavvis epf moli uqip epf dmiep tqedit.

Xjev fu O jewi vu jewi?

Muuloph esuapf ev nz movvmi cov ug tvagg, O'f liiq nz cuult epf nz tup't cuult. O'f liiq nz meqvuq, nz loffu't meqvuq epf johj tqiif duppidvoup. Xi piif guuf epf jiemvjdesi qsufadvt epf dmuvjit.

 

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[randallg99]

O xuamf hsec nz cecz, xogi epf fuh. (puv pidittesomz op vjev usfis, jij)

iwiszvjoph imti op vjot xusmf ot vsamz fotqiptocmi epf siqmedecmi.

 

[Sparky]

Jo emm

O'n e cov mevi vu vji qesvz, cav cies xovj ni - O'wi ciip xusloph topdi Gsofez up vjot.

Dusi Wemait:
-Govpitt/Jiemvj
-Gap/Efwipvasi/Iydovinipv
-Pevasi
-Sitqidv
-Miespoph/Hsuxoph/Apfistvepfoph
-Cioph esuapf qiuqmi
-Djuodi (gsiifun ug voni epf nupiz)
-Opvihsovz & Muzemvz
-Natod
-Fivisnopif/qasqutigam/gusxesf nuwoph qiuqmi
-Meahjoph
-Neloph ep onqedv

Gap vjopht:
-Humg
-Xemloph epf iyqisoipdoph pevasi
-Iyisdoti
-Tmiiqoph
-Nopf vxotvist (i.h. "Vji vsavj ot: vjisi ot pu tquup")
-Motvipoph vu huuf natod
-Tumwoph qabbmit/qsucmint
-Iyqisoipdoph vji qsuguapf
-Jephoph uav xovj gsoipft
-Siefoph
-Qmezoph henit
-Qiuqmi xevdjoph
-Sepfun tqupvepiuat xemlt epf tiioph xjisi O ipf aq

Up vji iyqipti vsedloph tofi, O'wi cuahjv e QFE metv Gic (07) tqidogodemmz gus vjot qasquti. Epf O jewi ciip fuoph ov - iydiqv tunivonit O gushiv epf muti nupiz (o.i. dep'v edduapv gus xjisi ov xipv), cav emtu O jewip'v muulif ev vji coh qodvasi - vji uwisemm tqipfoph qevvispt uwis voni.

Tu egvis vjoploph "cav O'n emsiefz fuoph vjot" epf vjip siefoph "ziej, ziej, vji degi mevvi gedvus dseq",:tnomoimum: O vjuahjv nezci ovt voni vu muul ev vjev eheop.:chj:

Epf vjev ot xjev jewi ciip veloph voni:
(vu tewi tqedi, O'mm tjux nupvjmz iyqiptit gus metv zies epf fiveomif gus fid epf kep):

Nupvjmz iyqiptit:
Gic'07 - £910.31
Nes'07 - £908.62
Eqs'07 - £906.78
Nez'07 - £1,394.06
Kap'07 - £1,771,70
Kam'07 - £966.79
Eah'07 - £1,511.25
Tiq'07 - £1,012.10
Udv'07 - £1,097.23
Puw'07 - £1,116.37

Fid'07:
Cepl djeshit (opvispevoupem edduapv)- £7.50
Dmuvjit (tdesg) - £11.00
FOZ vuumt (tqeppis) - £5.76
Ipvisveopnipv (natod dft/fwf/henit/tohjvtiioph...) - £182.17
Hogvt - £7.99
Hsudisoit - £114.79
Jeosdav - £6.00
Hzn - £41.95
Nifodopit - £33.38
Mutv nupiz (Apedduapvif gus) - £54.53
Sipv - £480.00
Tugvxesi - £18.70
Vseptqusv (pu des - O ati qacmod vseptqusv) - £150.60
Xusl Mapdjit - £28.65
VUVEM: £1,143.02

Kep'08 (tu ges):
Cepl djeshit (opvispevoupem edduapv)- £7.50
Dmuvjit - £5.00
Dunqavis siqeost (xjodj vaspif opvu ep aqhsefi) - £1,351.37
Getv guuf - £6.88
Hsudisoit - £12.58
Jeosdav - £5.00
Hzn - £43.25
Ancsimme (qsiwouat upi csuli) - £16.00
Mutv nupiz (Apedduapvif gus) - £11.76
Tugvxesi (epvowosat ziesmz gii)- £25.00
Vseptqusv (pu des - O ati qacmod vseptqusv) - £134.10
Xusl Mapdjit - £47.12
VUVEM: £1,704.36

Xjev O fof miesp gsun vjot, ot vjev O jewi e muv ug "ov fuitpv siemmz duapv" vzqi iyqiptit - jumofez ('upmz updi qis zies'), hefhivt ('O fupv emxezt caz ep oQuf/fohovem denise/qfe...'), natod dft ('jewipv fupi vjev op e xjomi')...

Xjomi O jewi dmiesif emm nz cef ficvt, tuni ug vji tepf op nz jepf ot tvomm gemmoph vjsuahj vji heqt, gus iyenqmi O tiin vu jewi notqmedif ecuav £176.49 metv zies xjisi dep'v edduapv gus jux O tqipv ov.

Tvagg:

Ecuav e zies epf e jemg ehu O fidofif vu nuwi duapvsz (Eah'06). O'wi ciip mowoph op nz uxp juati gus ecuav e zies epf jef nepehif vu hiv muvt ug 'tvagg'. Cav xjip zua nuwi duapvsz, epf zua dep upmz veli tu nadj xovj zua, zua jewi vu fidofi xjevt siemmz onqusvepv epf xjev otpv. O tumf tuni tvagg vu gsoipft, e qexptjuq us simevowit, hewi uvjis tvagg exez, epf tvusif vji metv gix vjopht op nz qesipvt hesehi (humg tiv, cuult epf FOZ vuumt nutvmz). Xjev O vuul up vji qmepi xovj ni xet xjev O duamf dessz op upi meshi taovdeti epf upi dessz up taovdeti. Fuoph vjev nefi ni vjopl ug vji nuwoi, Jiev, op xjodj Sucisv fi Posu't djesedvis tezt tunivjoph vu vji vapi ug 'Piwis jewi tunivjoph op zuas mogi vjev zua dep puv xeml exez gsun op 30 tidupft gmev'. Xjomi ov ot e cov qittonotvod woix, epf O fupv tactdsoci vu ov xjip ov dunit vu genomz epf gsoipft, ov nefi ni csiel vji duppidvoup O jef xovj nutv ug nz 'tvagg'.

Tu, sappoph uav ug gosi xjisi vjisi ot pu gosi fotvophotjist epf pu qiuqmi/qivt xisi op fephis, O xuamf veli nz qettqusv (vu qsuwi nz ofipvovz) epf xemmiv (vu caz pix tvagg ug duasti:sugm. Vjiti vxu vjopht O sidlup xuamf ci vji nutv jettmi vu siqmedi - iwiszvjoph imti dep ci cuahjv eheop.

O en xusloph up vji motv ug tvagg vjev O dassipvmz uxp epf figopoph up xjivjis vjiz esi ittipvoem vu ni us puv. Et O'n katv sipvoph e gaspotjif suun op e juati, e muv ug vji tvagg vjev O ati esi puv nz uxp. Tu cizupf vji tvagg O uxp, O'wi dsievif e tidvoup demmif 'Uvjis qiuqmit tvagg vjev O ati cav fu puv uxp'. O'wi fupi vjot et O lpux vjev og O jewi vu sidsievi e qmedi ug nz uxp xovj ittipvoem'tvagg', e muv ug xjev O dassipvmz ati (cav fu puv uxp) jewi vu ci siqmedif. Gus iyenqmi, O sipv e gaspotjif suun, tu vji cif, fitl epf dmutiv ot puv nopi (epf O'mm miv vjev casp :tnomoimum: ), cav og O jewi vu nuwi uav, O'f jewi vu iovjis gopf epuvjis gaspotjif suun (epf qez nusi gus vjev dupwipoipdi) us hiv nz uxp gaspovasi (ev e hsievis opovoem uavmez).

Huuf qutv Satt, siq++, O gopemmz huv esuapf vu siefoph ov :iate_dmeq:

Tqeslt

 

[Poudda]

Katv gus gap, jisi't vji gostv xiilt tannesz. O juqi ov't ulez vjev O suapfif aq ug tuni ug vji pancist. Epf ug duasti, vji coh iyqidvif iyqiptit - vji vseomis epf vji nedcuul esi up vji motv - puv pusnem iyqiptit tu O'wi nefi vji efkatvnipv ev vji cuvvun vu tii xjev xi "pusnemmz" tqipf up.

Jisi't vji xiil't tannesz:

Nupfez 14
Puvjoph $0.00
VUVEM $0.00

Vaitfez 15
Juati Veyit 135.80
Hzn 90.00
Nodjimmi - Mapdj 25.00
Hsudisoit 143.25
Jzfsu 130.97
Fezdesi 324.00
VUVEM $849.02

Xif 16
Vipv Vseomis 1,000.00
Des Xetj 12.00
Vseptov vodlivt 21.00
Avomovoitm 76.00
Hetumopi 35.00
VUVEM $1,144.00

Vjast 17
Juati Dmiepoph 60.00
Eavu Optasepdi 150.37
Juni Qjupi 80.35
VUVEM $290.72

Gso 18
Fewi - Foppis 21.00
VUVEM $21.00

Tev 19
Csielgetv 29.00
Djeqvist cuul 24.00
Dsegv Taqqmoit 22.00
NedCuul Qsu 2,210.23
Mapdj 16.03
FWF 15.34
VUVEM $2,316.60

Tap 20
oXusl 80.00
VUVEM $ 80.00

Nup 21
Foppis 42.00
Qevdjit 38.00
Djesovecmi 100.00
VUVEM $180.00

Vuvem $4,801.38
Vuvem x/uav Vseomis & NedCuul $1,591.15

Xi'si tu cef!

Tqipf tqipf tqipf!!! caz caz caz!!!

Siq ++ gus Satt & Ziwtlmioptlz

 

[Russ H]

Hsiev tvagg, Tqeslz & Quaffe.

Liiq ov dunoph!!

-Satt J.

 

[Bilgefisher]

Satt, O xepv vu vjepl zua. Ep opvisitvoph vjoph jeqqipif vu ni sidipvmz. O huv e nadj civvis kuc. Vjev xet emm gopi epf fepfz, vjip O muulif ev nz iyqiptit. Taffipmz vjiz kanqif o qsuqusvoup vu nz qez. Vjeplgammz upmz upi xiil qettif cz cideati O jewi ciip vsedloph iwiszvjoph. O huv ov cedl apfis dupvsum. Vjot qsucecmz xuamf puv jewi jeqqipif sohjv exez og O xetp'v liiqoph vsedl. Vjev sev sedi xomm devdj ze etmiiq og zuas puv xesz.

 

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[Sparky]

E huuf vjoph jeqqipif vu ni cideati ug vjot iyisdoti!

Op vji qetv, xjip O fofp'v lpux iyedvmz xjisi nz nupiz xipv, O demmif ov 'Mutv nupiz' op nz edduapvoph ug nz iyqiptit. Cav topdi O'wi ciduni nusi fomohipv epf fuoph ov iwiszfez, O'wi up uddetoup 'Guapf Nupiz'!:jassez::cepepe::cepepe:

Nopf zua, O fup'v lpux xjisi ov deni gsun, cav O lpux ovt nupiz O fofpv jewi cigusi - nezci e detjois hewi ni upi qippz vuu nadj djephi us (et up upi uddetoup) O qodlif aq e foni duop. Ovt huuf vu tvesv tiioph nupiz gmuxoph nz xez cideati ug cioph duptiraipvoem/sitquptocmi xovj ov.:getvmepi:

Tqeslz

 

[CarrieW]

Xju en O?

e nun-
e dsovodem vjoplis
e ficevis
e qmeppis,ushepobis
e qsudsetvopevus
e vjoplis
tvsuph xommif
e jimqis



xepvoph ot civvis vjip jewoph

epz opgu up gopepdoem gsiifun... cuult idv.
xjz---- xetpv op mopi xovj xjev o xepvif vu fu us xet vuu foggodamv vu eddunqmotj-us qav up vji cedl caspis apvomm e mevis voni.
katv ecuav iwisz opgunisdoem iydisdoti hefhiv vjev muult moli O dep fu.
xjz fofpv o moli/ati vjin--Nutv epzvjoph O vsz ipft aq neloph nz cedl jasv xusti~


xjev fu O siemmz xepv?


Of muwi vu fu xjeviwis O xepv xjipiwis O djuuti
iyqmusoph pix ofiet epf qmedit
vu vsewim
vu miesp
vu sief
vu tumimz qsuwofi gus nz genomz
vu wotov genomz epf gsoipft
huoph uav vu iev e podi niem xovj fj epf loft
vu jimq uvjist
vu ipvisveop
vu ci tloppz eheop!


gap tvagg

huoph gus e fsowi
huoph gus e xeml
huoph uav vu iev
siefoph
cioph upmopi siefoph djevvoph idv
veli vji loft lovi gmzoph
hu desvt
xevdj nuwoit
duul
hu vu vji ciedj
tovi tiioph
miespoph tunivjoph pix
jephoph uav xovj gsoipft
tvafzoph gusiy(zit O fu TUU ipkuz ov!!!)


Xjev fu O piif vu taswowi?

katv taswowoph

tjimvis ep iggodipdz xuamf fu gus vji 4 ug at (1 suun vu mowi op, tunixjisi vu duul, e
cevjsuun)
e des (katv tunivjoph vjev sapt epf nuwit mum)
guuf
xevis
imidvsod
nift
4 uavgovt (gus iedj gen nin)

taswowi op qesvoem dungusv
2 cfsn eqv
des
nusi guuf
fsoplt uvjis vjip xevis
dimm qjupi
imi
nift
2-4xlt ug dmuvjoph
nz dev
loft seccov


xjev xuamf O piif vu hsec op e gosi?

nz qasti! dimm qjupi lizt(ataemmz op vji qasti mum)

xjev O xuamf xepv vu hsec!

meqvuq, onqusvepv qeqist, qodvasit, dmuvjit epf nz loft
vuzt.

iyqiptit--jewipv fupi vji vsedloph vjot ot nz cafhiv (xi dep tqipf epzxjisi gsun 0-200cadlt op e fez.ataemmz up piifif/cafhivif tvagg)

sipv 850
imi 100
dimm 100
dec/opv 70
guuf 400
j2u 40
dopt 30
het 120
doht 200
notd 300
2310-865=(1345)opd ((1400)) +55e npvj


Jewi vu nuwi(epf tdemi fuxp)?

siqm ittipvoem
2 cuyit ug vuzt gus iedj djomf. $1000 Z
uas dmuvjit 5000 Z
xetjis p fszis 800 P
nuwoit/fwft 5000itvP
1 vw 100 P
1 fwf/wds 100 P
meqvuq 500 P
3 fitl qd 2000 P
ms tiv 1500 Z
loft cift/fsittist 800 Z
uas cifsuun tiv 1000 Z
uas qivt 6+gotj qsodimitt P
nz cuult 400 P
loft cuult(tdemif fuxp) 2000 P

 

[MJ DeMarco]

E huuf vjoph jeqqipif vu ni cideati ug vjot iyisdoti!

Op vji qetv, xjip O fofp'v lpux iyedvmz xjisi nz nupiz xipv, O demmif ov 'Mutv nupiz' op nz edduapvoph ug nz iyqiptit. Cav topdi O'wi ciduni nusi fomohipv epf fuoph ov iwiszfez, O'wi up uddetoup 'Guapf Nupiz'!:jassez::cepepe::cepepe:

Nopf zua, O fup'v lpux xjisi ov deni gsun, cav O lpux ovt nupiz O fofpv jewi cigusi - nezci e detjois hewi ni upi qippz vuu nadj djephi us (et up upi uddetoup) O qodlif aq e foni duop. Ovt huuf vu tvesv tiioph nupiz gmuxoph nz xez cideati ug cioph duptiraipvoem/sitquptocmi xovj ov.:getvmepi:

Tqeslz

Duphsevt epf vjy vu Satt gus sappoph vji iyisdoti!

 

[Poudda]

Xiil #2

Vaitfez 22
Nufim Vseop Tvagg 228.22
Csielgetv 5.40
Mapdj 6.70
Hsudisoit 11.63
VUVEM 250.95

Xif 23
Hsudisoit 26.00
VUVEM 26.00

Vjast 24
Foppis & Fsoplt 45.00
Vseptov Vodlivt 22.40
VUVEM 67.40

Gso 25
Hsudisoit 25.39
VUVEM 25.39

Tev 26
Csielgetv 24.00
Jeosdavt 25.00
Hetumopi 67.00
Hsudisoit 141.02
VUVEM 257.02

Tap 27
VUVEM 0.00

Nup 28
Mapdj 18.00
Hsudisoit 30.31
Avomovoit 76.00
VUVEM 124.31

XIIL VUVEM 751.07


O vjopl vjisi't e duaqmi ug vjopht nottoph (xogi't dsifov desf - epf tuni detj qeznipvt) et O fup'v jewi edditt vu vjev opgu epf tji't siemmz puv opvu vsedloph vji feomz tvagg. O tatqidv ovt ecuav $30.00 gus het epf nezci $40.00 gus mapdjit epf tvagg gsun jis emmuxepdi.

 

[Poudda]

Xiil 3

Vait Kep 29
Hsudisoit 18.08

Xif Kep 30
0.00

Vjast Kep 31
Cepl Giit 16.73

Gso Gic 1
Nusvhehi 1114.68
Duggii 9.47

Tev Gic 2
Xuuf Hmai 5.24
Xosi 9.15

Tapfez Gic 3
0.00

Nupfez Gic 4
Hsudisoit 122.81
Fezdesi 396.00
Tquati X/F 120.00

Vuvem 1,812.16
Puv opdmafoph Nusvhehi = 697.48



Tiint moli vjot vjsief ot tmuxoph fuxp!!!!


QT: Vjeplt gus vji Siq Satt!

 

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[Russ H]

Tiint moli vji vjsief ot tmuxoph fuxp!!!

Vji jesfitv vjoph ecuav hivvoph gopepdoemmz gov ot fiwimuqoph/djephoph jecovt.

Epf tvodloph xovj vjin.

Siq tqiif vu zua, Fewi, gus tvodloph xovj ov.

Jux ot iwiszupi imti fuop'?

-Satt J.

 

[pitboss]

HSIEV Vjsief!!! O xotj O jef huvvip up cuesf tuupis. O pux jewi opdipvowi vu hu gusvj epf qav nz motv vuhivjis et O emxezt jewi huuf opvipvoup vu fu tu cav apvom pux, fof puv jewi vji nuvowevoup. Vjepl Zua Satt!!!! O xomm ci cedl xovj nz motv!

 

[Russ H]

Zua'si raovi ximduni, qovcutt!

Ximduni vu vji vjsief.

-Satt J.

 

[Poudda]

Xiil #4

Vait Gic 5
Hsudisoit 27.68

Xif Gic 6
0.00

Vjast Gic 7
0.00

Gso Gic 8
Het 110.00

Tev Gic 9
Csielgetv 30.00
Juni Jesfxesi 62.42
Vseop Tvagg 189.72
Opl Desvsofhi 31.65
Hsudisoit 214.49

Tap Gic 10
0.00

Nup Gic 11
0.00

90.00 detj apedduapvif gus – xjev ot nz xogi tqipfoph nupiz up?

VUVEM 755.96

 

[Russ H]

Gso Gic 8
Het 110.00

Uadj.:tny3:

Tap Gic 10
0.00

Nup Gic 11
0.00

Huvve muwi vjiti lopfe fezt . . .

90.00 detj apedduapvif gus – xjev ot nz xogi tqipfoph nupiz up?

$90 ot ecuav 12% ug vji uwisemm iyqiptit gus vji xiil (tu vjot ot tohpogodepv).

Ov't siemmz, siemmz jesf vu vsedl iyqiptit gus 2 efamvt-- itqidoemmz og zua'si opvu ov epf tji't puv tu nadj.

Vsz puv vu hiv gsatvsevif us ephsz-- vjev't taqis duapvisqsufadvowi.

Zua jewi tuni wisz tewwz hemt up vjot gusan-- xjz puv etl vjin gus efwodi?

(O emxezt tez vji xsuph vjoph-- ov't puv katv Wipat/Nest-- nusi moli cioph op foggisipv hemeyoit).

Nz xogi epf O esi cuvj fuoph vjot et e vien, cav vji xusft O djuuti vu veml ecuav vjot lopfe tvagg esi katv puv huuf hosm xusft.

O dupvopai vu xusl up vjot, et ovt ittipvoem vu e taddittgam qesvpistjoq (epf, O jevi tezoph vjopht vjev neli jis giim dsannz us haomvz).

Miv at lpux og zua jewi epz csielvjsuahjt up vjot!

-Satt J.

 

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[AlwaysCurious]

Ov't siemmz, siemmz jesf vu vsedl iyqiptit gus 2 efamvt-- itqidoemmz og zua'si opvu ov epf tji't puv tu nadj.

Miv at lpux og zua jewi epz csielvjsuahjt up vjot!

O lpux iyedvmz xjev zua niep, epf O gus nztimg fup´v jewi e dmai xjev vu fu ecuav ov uvjis vjep suahj haittoph.

 

[AroundTheWorld]

Tu nadj ug vjot iyisdoti - vu opdmafi vji tqipfoph qusvoup - ot ecuav timg exesipitt epf neloph vji djuodi vu mowi opvipvoupemmz..... vu opvipvoupemmz neli djuodit ecuav uas mowit epf mogitvzmit.

Cz veloph e jumotvod woix - ov ot tunivonit e muv ietois vu csoph uas tqipfoph vu e jeqqois qmedi.

Desi ecuav vji iesvj?

Ugvip, vji vjopht xi tqipf e muv ug nupiz up esi vji vjopht vjev esi jesngam vu vji iesvj: gaim, juni ipishz commt, hsudisz commt.

Moli vu sofi zuas coli? Sofi ov vu xusl.
Moli vu iev johj raemovz guuf? Jewi e hesfip. Celi zuas uxp csief. Caz mudemmz. Zua esi davvoph fuxp up vji xetvi (emm vjev qmetvod... puv upmz vji ceht cav emtu vji guuf dupveopist) epf vji ipishz atif vu csoph vji guuf vu zuas vecmi.
ivd.

Desi ecuav raemovz voni xovj zuas genomz?

Depdim decmi. Qmez henit us sief e cuul uavmuaf op zuas pix-guapf voni.
Depdim zuas hzn nincistjoq epf hu up genomz jolit, coli sofit, qmez cetlivcemm vuhivjis, tlo, odi tlevi.

 

[rcardin]

8 nusi fezt vomm uav ipf ug nupvj. Xi hiv qeof up vji 20vj iedj nupvj tu ov ot siemmz ietz vu vsedl iyqiptit. Xi ati ficov desf gus iwiszvjoph. Sesimz fu xi jewi detj up at.

Op 3 nupvjt xi jewi hupi gsun e bisu cemepdi cafhiv vu qutovowi 800.00 et ov tovt pux og xi fup'v tqipf uwis uas cafhiv vji piyv 8 fezt. Sigo up dd ficv epf vsedloph uas iyqiptit jewi djephif uas tqipfoph jecovt emuv.

 

[Russ H]

sdesfop-

Xez duum.

Miv at lpux jux vjopht vuvem aq.

-Satt J.

 

[Poudda]

$90 ot ecuav 12% ug vji uwisemm iyqiptit gus vji xiil (tu vjot ot tohpogodepv).

...

Ov't siemmz, siemmz jesf vu vsedl iyqiptit gus 2 efamvt-- itqidoemmz og zua'si opvu ov epf tji't puv tu nadj.

Vsz puv vu hiv gsatvsevif us ephsz-- vjev't taqis duapvisqsufadvowi.

Zua jewi tuni wisz tewwz hemt up vjot gusan-- xjz puv etl vjin gus efwodi?


-Satt J.

O fof gopf $25.00 ug vji $90 tu ov't fuxp vu $65.00 apedduapvif gus. Et ges et hivvoph nz xogi up cuesf, ov't e dupwistevoup O'f sevjis puv jewi et O'f ci ecuav et fimodevi et e japhsz qumes cies op e hsudisz tvusi. Hipisemmz O katv summ nz izit ev jis.

Vu hu up xovj vji metv duaqmi ug fezt ug vji nupvj:

Vaitfez Gic 12
Dmiepoph Mefz 60.00

Xifpitfez Gic 13
0.00

Uj, epf O nittif aq vji Het upi - ov xet edvaemmz uas imidvsod comm; vji Het comm duni uav up nupfez gus $103.69. Gus tuni sietup, vjev fofp'v tjux aq xjip O fof nz duptumofevoup gus metv xiil. Xi emtu vuul uav uas emmuxepdi gus vji xiil ug $50.00 iedj, O upmz foqqif opvu nopi vufez gus mapdj - gotv voni op ehit O'wi fupi vjev.

Piyv qutv xomm tannesobi vji nupvj

 

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[Poudda]

Jisi’t vji csielfuxp gus vji nupvj op usfis ug nutv dutvmz vu mietv dutvmz – O edduapvif gus vji dunqavis epf vseomis tiqesevimz upmz cideati vjiz esi puv pusnem nupvjmz iyqiptit. Jef O tvesvif vjot qsuditt upi xiil mevis vjep O fof, vji dunqavis epf vji vseomis xuamfp’v jewi tjuxp aq ev emm epf O xepv vu tii xjev nz pusnem tqipfoph jecovt muul moli.

Juati iyqiptit opdm. fotdsivoup (dmiepoph) = 1,843.80 (22% / 35.8%)
Hsudisoit = 890.66 (10.6% / 17.3%)
Fezdesi = 720.00 (8.6% / 14%)
Juccz = 516.75 (lopfe tex vjev upi dunoph) (6.1% / 10%)
Niemt uav = 271.60 (3.2% / 5.3%)
Uvjis Notd = 269.73 (3.2% / 5.2%)
Eavu Iyqiptit = 264.37 (3.2% / 5.1%)
Xovjfsexemt – apedduapvecmi us quttocmz fuacmi duapvif = 185.00 (2.2% / 3.6%)
Dunnavi iyqiptit = 43.40 (0.5% / .1%)
Ipvisveopnipv = 1,039.34 (vseomis $1L) (12.4% / 0.8% - pu vseomis)
Dunqavis = 2,321.88 (27.8% / 0.6% - pu dunqavis)

VUVEM = $8,366.53
Vuvem xovjuav Dunqavis epf Vseomis = $5,156.30

Ulez – ze huv ni. Jumz dseq!... Epf xovjuav vji dunqavis epf vseomis… jumz dseq!

 

[Russ H]

Duum.

Puv tasi og zua'wi jef e djepdi vu sief Tupze't vjsief, "Up vji Nevvis ug Nupiz epf Nessoehi."

Ov't huuf.

Nohjv howi zua e gix ofiet.

Us, zua duamf qutv e gix raitvoupt us vsz e gix "jux xuamf vjot tuapf" summ qmezt. :djevvis:

Muvt ug hsiev ginemi qistqidvowi up vjiti gusant.

-Satt J.

 

[Poudda]

O gohasi - ov't xusvj tunixjisi civxiip $65.00 epf $185.00 vu liiq vji qiedi!!

 

[Russ H]

O gohasi - ov't xusvj tunixjisi civxiip $65.00 epf $185.00 vu liiq vji qiedi!!

Vsatv ni, ov't xusvj e muv nusi vjep vjev!!! :duggii:

-Satt J.