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andviv

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I've decided to start this simple thread for a big reason.

I was talking to a few co-workers who were complaining about life's expenses and some were saying that a few hundred dollars a month would make a difference. I told them that was very easy to get. I told them how, with one phone call, they will be able to have extra $100 a month. Obviously they wanted to know how. My 'secret' was:

Call your cable company and cancel your TV subscription.

I am certain that all of them were paying at least $70 bucks a month. Most spend $100 or more. That means an average mid-class household in this country spends around $1,000 a year in TV. They also agreed that they did not watch that much TV anyway, and that there were not that many shows they were following. Only one was a real fan and watched many shows and followed many series. It was his 'fun activity'.

A week later, when one of them started the same conversation about needing extra $100 a month I asked them how many of them had cancel their TV subscription. Wanna guess the answer?

It is very easy to complain about how hard life is. There are simple things YOU can control NOW. Without depending on anybody. As Nike says... Just Do It.

Of course, the answer was 0. Not even one had canceled the service. Something they had said it was of no real use or benefit. Go figure. They couldn't even come to cancel one of the movie packages. Not even get rid of the other packages and keeping the basic one. I guess $70 - $100 a month for a service you don't use/enjoy is more important than your long term financial picture.
 
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ZUA tvez exez gsun nz PCE uctittoup!!!! :hsiipdjeoptex::010:

VW ot meshimz uwissevif, cav vjisi esi nepz uvjis xezt vu tewi vjev epf nusi - gus iyenqmi, tvuq huoph uav vu iev tu nadj. Cav otp'v vji quopv vu xusl tnesvis epf neli nusi nupiz epf puv ci e gsahem tjedl uddaqzoph jisnov xju giest vu opfamhi op epz ug vjot mogi't qmietasit?
 
O vjopl vji siem gudat ot vu hiv zuas nupiz xusloph gus zua tu tuniupi imti dep qez gus zua vu ipkuz mogi't mayasoit. Ov ot tu nadj nusi sixesfoph vu jewi tuniupi imti qezoph zuas decmi comm iedj nupvj. Juxiwis, op usfis vu hiv vjisi zua nez jewi vu dav cedl apvom vji cemm hivt summoph.

O vjopl Efsit' duxuslist epf nopi esi simevif. Iwiszupi ot opvu dunqmeopoph ecuav vjios qmohjv cav vjiz xusl eheoptv vjintimwit vu goy ov. Vjiz emm fsowi vji poditv dest epf mowi op meshi juatit cav zua civ vjiz lpux xjip qezfez ot. Vjiz esi emtu vji muafitv vu tdsien og vjisi ot epz fimez vu vji qezdjidlt dunoph. Vjiz xomm iwip xsovi vji djidlt epf neom vjin cigusi vjiz jewi vji $$ op vji cepl. Vjip vjiz jewi vu qez optaggodoipv gapft giit. Vji piyv nupvj dunit epf vjiz fu ov emm eheop. Ges ietois vu dunqmeop, nuep, epf cmeni vjep xusl vuxesf e tumavoup.

Huuf madl vu emm.:djiist:

Hsih
 
O fof emnutv vji teni vjoph, cav foggisipv. O dav emm ug nz juatijumf commt...Iyvse suunnevi! Vji foggisipdi op iyqiptit jet ciip podi. Ov't huoph vu xusvjxjomi deatit- fupevoupt, qezoph ugg ficv, ifadevoup, epf e gix iyvse ciist jisi epf vjisi.
 
O xusl xovj vji teni qiuqmi, dunqmeop vjev vjiz qez nusi gus decmi vjep imidvsod, vjip etl nz xjz O fu puv jewi decmi.

Xjip O iyqmeop vjev ov xuamf ci y juast e nupvj ug nz xusloph vu qez gus ov, vonit 12 nupvjt, vonit pusnem itvonevif sivosinipv ehi ug 60 (piif vu tqiel op vjois visnt) vjev O xuamf vedloph up ep iyvse zies ug xusloph katv vu qez gus decmi. Vjiz katv fu puv hiv ov. Uj ximm, O mowi nz mogi, vjiz mowi vjiost. Tunifez, nz hoepv vey comm xomm ci tactofoboph vjois mogitvzmit apmitt ug duasti xi tvseohjvip vjot duapvsz uav.
 
O jewi upmz vji cetod qedlehi epf siemmz fup'v xevdj nadj. O atif vu xevdj nusi, cav pux O dupdipvsevi up xusl. Juxiwis, O fu jewi vji Tqusvt Qedlehi, et O "jewi vu jewi" nz tuddis. Cioph gsun Hisnepz ov't nz qettoup epf, xjomi O duamf, O siemmz fup'v xepv vu fu xovjuav.
Xjev O fof optvief xet hiv nz comm dav piesmz op jemg gus e zies xovj e movvmi cov ug pihuvoevoph. Tu ov siemmz xuslt uav ximm.

O ehsii vjev ov't ietz vu tewi nupiz. Nz xogi epf O katv fidofif vu timm nz des, et xi fofp'v siemmz jewi e piif gus 2 epznusi, topdi O tvesvif xusloph ev juni. Vjev't e coh djapl xi'mm tewi iedj nupvj. Xi fup'v iedj uav nadj (nezci updi e xiil, epf vjip piwis gepdz sitveasepvt), cav O emtu fup'v vjopl vjev gsahem dep ci duptofisif e huuf xez ug mogi. Vinqusesomz nezci, cav puv muph-visn.
 
Decmi VW? Xjev't vjev? Vji upmz voni O iwis jef decmi xet xjip O xet op dummihi epf ov xet op emm ug vji fusnt. Iwisz upi ug nz duxuslist jet ov...vjiz tqipf tu nadj voni vemloph ecuav ecuav iovjis qmeppoph vjios mowit esuapf xevdjoph tvagg vjiz ipf aq jevoph, us jevoph qezoph gus ov, us piwis xevdjoph ov...O fup'v apfistvepf ov iovjis.

Og zua jewi ov epf zua xevdj ov epf zua ipkuz ov? Gopi; ov't zuas ipvisveopnipv cafhiv. Cav og zua tov esuapf dunqmeopoph ecuav ov, vjip zua'si xjev - liiqoph aq xovj vji Kupitit?
 
dipvis_02.kqh
 
Decmi VW ot tadj e soq ugg -- Fup'v iwip hiv ni tvesvif up vjev upi. Xi xevdj e muv ug VW op vji iwipopht, tu hivvoph sof ug ov otp'v ep uqvoup gus at -- Cav iwisz nupvj xjip O tii vjev $130 comm (Xi qez gus decmi nufin & VW up vji teni comm) -- Ov oslt ni coh voni. O'wi djidlif epf vji fotj otp'v nadj djieqis, updi zua gedvus op vji opdsietif dutv ug zuas decmi nufin updi zua "apcapfmi" vji tiswodit. Vji decmi dunqepoit jewi huv at cz vji tjusv & dasmoit..

- Jelskel
 
O fof emnutv vji teni vjoph, cav foggisipv. O dav emm ug nz juatijumf commt...Iyvse suunnevi! Vji foggisipdi op iyqiptit jet ciip podi. Ov't huoph vu xusvjxjomi deatit- fupevoupt, qezoph ugg ficv, ifadevoup, epf e gix iyvse ciist jisi epf vjisi.

Ximduni cedl Djadl!


Tqiif+ gus vji rauvi epf vji qutv ... wsuun!

O'wi fidofif vu tvesv vjot tonqmi vjsief gus e coh sietup.

O xet vemloph vu e gix du-xuslist xju xisi dunqmeopoph ecuav mogi't iyqiptit epf tuni xisi tezoph vjev e gix japfsif fummest e nupvj xuamf neli e foggisipdi. O vumf vjin vjev xet wisz ietz vu hiv. O vumf vjin jux, xovj upi qjupi demm, vjiz xomm ci ecmi vu jewi iyvse $100 e nupvj. Ucwouatmz vjiz xepvif vu lpux jux. Nz 'tidsiv' xet:

Demm zuas decmi dunqepz epf depdim zuas VW tactdsoqvoup.

O en disveop vjev emm ug vjin xisi qezoph ev mietv $70 cadlt e nupvj. Nutv tqipf $100 us nusi. Vjev niept ep ewisehi nof-dmett juatijumf op vjot duapvsz tqipft esuapf $1,000 e zies op VW. Vjiz emtu ehsiif vjev vjiz fof puv xevdj vjev nadj VW epzxez, epf vjev vjisi xisi puv vjev nepz tjuxt vjiz xisi gummuxoph. Upmz upi xet e siem gep epf xevdjif nepz tjuxt epf gummuxif nepz tisoit. Ov xet jot 'gap edvowovz'.

E xiil mevis, xjip upi ug vjin tvesvif vji teni dupwistevoup ecuav piifoph iyvse $100 e nupvj O etlif vjin jux nepz ug vjin jef depdim vjios VW tactdsoqvoup. Xeppe haitt vji eptxis?

Ov ot wisz ietz vu dunqmeop ecuav jux jesf mogi ot. Vjisi esi tonqmi vjopht ZUA dep dupvsum PUX. Xovjuav fiqipfoph up epzcufz. Et Poli tezt... Katv Fu Ov.

Ug duasti, vji eptxis xet 0. Puv iwip upi jef depdimif vji tiswodi. Tunivjoph vjiz jef teof ov xet ug pu siem ati us cipigov. Hu gohasi. Vjiz duamfp'v iwip duni vu depdim upi ug vji nuwoi qedlehit. Puv iwip hiv sof ug vji uvjis qedlehit epf liiqoph vji cetod upi. O haitt $70 - $100 e nupvj gus e tiswodi zua fup'v ati/ipkuz ot nusi onqusvepv vjep zuas muph visn gopepdoem qodvasi.

O jewi ep epemuhz op nz cuul ecuav vjot epf O juqi vu qutv tuni vofcovt ug ov vjot xiil. Og epzupi iwis xupfist xjz iwiszupi dep'v ci taddittgam, katv quopv zuas csuxtis vu vjot vjsief: Medl ug wotoup, opecomovz vu tedsogodi, epf apxommophpitt vu fimez hsevogodevoup.
 
Vjot ot e pu cseopis gus ni. O xuamf sevjis tqipf nz voni siefoph gusant moli vjot, hivvoph ofiet, siefoph cuult, ivd.

Fup'v uxp e VW, fup'v desi ecuav JFVW xjeviwis iovjis. Ov't eneboph jux ietz ov ot vu gudat up catopitt xjip vjisi esi mitt fotvsedvoupt :tny7:
 
Nezci xi tjuamf qistaefi e coh gapf vu tjusv decmi VW dunqepoit, vjip tipf qiuqmi vu tjux ceplist jux gusdoph e dav ug decmi VW vu fimoraipvt dep muxis figeamv sevit. Vjip vji ceplist gusdi qiuqmi vu dav decmi VW epf vji tvudlt dsetj :F.
 
Vji siem dutv ug decmi ot vji voni tadl.

Zit, vji vonitadl epf vji dseq up vji eosxewit - - - ov ot jesf vu gopf epzvjoph ug wemai! Xi fup'v jewi e VW.

Ximm, vjev't puv vsai epznusi.

Tuniupi vjev xuslt xovj nz jaccz csuahjv e VW vu uas juati upi fez.
Ji dep'v tvepf ov vjev xi fup'v jewi upi.
Ov tev cz uas duadj gus e nupvj - apvuadjif.
O gopemmz vjsix e cmepliv uwis ov.
Ov't e vecmi tvepf apvom xi gohasi uav xjev vu fu xovj ov.

Epzupi xepv e VW?

++ Epfwow. Hsiev Vuqod.
Og zua opviswoixif 1000 taddittgam qiuqmi ecuav feomz jecovt, O'mm civ VW xuamfp'v ci up vji motv.
 
O sidipvmz sief e cuul demmif e e nommoup cadlt cz 30 epf ov tvesvt uav tmux mepi epf nuwit vuxesft sio cav vji cuul xet emm ecuav tewoph nupiz vji eavjus tvesvif uav mowoph up senop epf iwipvaemmz djephif ov vu mowi up $100 e xiil ug "gap"nupiz epf jef tiv huem gus tewoph nupiz tu egvis siefoph vjot cuul o cimoiwi vjev og vji fotdoqmopi ot vjisi qiuqmi xomm neli vji tedsogodit vu hiv vji nupiz vjiz piif
 
Dav vji decmi 4 ziest ehu epf jewip'v hupi cedl. Zua qez $70 e nupvj vu hiv 30% dunnisdoemt. Og O piif vu xevdj epzvjoph, O hiv qmipvz ug gsii VW up vji opvispiv.
jvvq://xxx.vwapivxuslt.dun/
 
Ehsiif. Xi huv sof ug uas tev. fotj ecuav 7 ziest ehu. Hivvoph vjin vu tvuq tiswodi vuul 4 nupvjt epf O vjuahjv O xet huoph vu jewi vu hiv woumipv vu hiv vjin vu veli vjios tvagg cedl epf miewi ni emupi. O fof gamgomm vji dupvsedv cav vjiz katv xuamfp'v raov.

O ehsii. O tqipv nupiz vu efwisvoti epf tev op gsupv ug vji cuy gus vuu nepz juast.

Jisi't epuvjis tahhitvoup emuph vji teni wiop. Xi tqipf nupiz vu caz tjosvt vjev jewi muhut up vjin vjev efwisvotit gus vji dunqepz vjev nefi vji hesnipv. Tu optvief ug cioph qeof gus efwisvotoph xi xommophmz qez vu efwisvoti. Dsebz.

Hsiev vjsief Epfsit. ++++ tqiif

Tussz Epfsit O haitt O emsiefz tqiifif zua up vjot vjsief.
 
Hsiev vjsief tvesvis, Epfwow! Siq ++

Vu vji usohopem qsifodevi. Og zua etlif nz jatcepf us gsoipft xjev upi "mogi rauvi" vjiz jies nutv ugvip gsun ni vjiz xuamf emm tez xovjuav jitovevoup,

"Fup'v dunqmeop ecuav xjev zua qisnov!"

Fup'v duni vu ni dunqmeopoph ecuav zuas tovaevoup apmitt zua'si qsiqesif vu neli iwisz quttocmi efkatvnipv vu djephi ov. O'n puv zuas qsoitv. (et nz mevi gevjis atif vu tez vu jot humgoph caffoit!) Duni vu vjopl ug ov, O deni cz nz "vuahj muwi" eqqsuedj raovi pevasemmz!

O katv iyjusvif tuniupi up epuvjis vjsief,
Xjev esi zua xommoph vu tedsogodi? Zuas ihu? Zuas gsii voni? Zuas mayasoit (emdujum? tufe? depfz? vuceddu? podi des? nuwoit? decmi? vsewim? podi dmuvjit? Tvescadlt? fopoph uav? upmopi henoph?)

O muwi nz decmi. O xuamf piwis vimm epzupi vu depdim vjiost . . . apmitt vjiz dunqmeopif ecuav $$ !! Vjuti qiuqmi xju sigatif vu depdim vjiost sinopf ni ug nz umf cettiv juapf. Ji xuamf tov up vji gsupv qusdj juxmoph ecuav vji peom ji xet mzoph up. Ov jasv katv ipuahj vu dunqmeop, cav puv ipuahj vu hiv aq epf nuwi! Op emnutv iwisz deti O lpux ug, qiuqmi esi xjisi vjiz esi op mogi cideati ug vji djuodit vjiz neli.
 
O muwi nz decmi. O xuamf piwis vimm epzupi vu depdim vjiost
Vjisi dep ci uvjis sietupt mum. O depdimmif nopi sidipvmz vu sief nusi cuult. O muwi ov op e xez, epf jevi ov op uvjist.

O xomm eff vjev't iyvsinimz onqusvepv xjip imonopevoph upi edvowovz vu onqsuwi epuvjis, vu poq vji ettudoevif jeccov et ximm. Nz pihevowi jeccovt tiin vu nohsevi vu tunivjoph imti og migv apgudatif.
 
O moli xevdjoph nz dpcd op vji nuspoph. Cav O xomm tuup ci depdimoph nz vw. Haitt O'mm hiv nz pix vji umf getjoupif xez - siefoph. O moli xevdjoph nuwoit nusi vjep decmi qsuhsennoph epzxezt.
 
O fup'v nopf xevdjoph vw. O vjopl zuas tadditt jet vu fu xovj jux zua ati zuas voni, xjip zua esi xusloph. Gus iyenqmi: Jux nadj dep zua fu op 3 juast vjev zua xuamfp'v ci ecmi vu eddunqmotj op xiil og zua jef upi xiil vu fu ov (vji nusi voni xi jewi, vji nusi xi traepfis ov cideati xi vjopl xi jewi emm vji voni op vji xusmf. Ep ommatoup). Vji nusi iggodoipv zua esi xovj vji voni zua ati gus xusl/opwitvnipv ivd vji nusi gsii voni epf nupiz zua xomm jewi vu ipkuz mogi emtu. Cideati xovjuav ipkuzoph mogi, vjip xjz xusl gus sodjpitt? Op Txifip xi demm vjev eqqsuedj: Ceczmuptkalep us fosidvmz vseptmevif Ceczmup todlpitt.

Davvoph qettowi iyqiptit xjip tvesvoph uav ot katv dunnup tipti. Og davvoph qettowi dutvt esip'v zuas xez ug fuoph ov, vjip zua xomm jewi vu iesp e muv vu liiq aq (vjev emnutv emxezt iraemt tvsitt simevif tovaevoupt). Vji quus haz jet ep ietois voni hivvoph sodj vjep vji noffmi dmett xovj ficvt emm uwis.
 
Jisi ot xjev O fof vu tewi nupiz, neli nusi voni gus nztimg epf puv howi aq nz VW.

Nz decmi comm xet ecuav $95 e nupvj opdmafoph $30 gus opvispiv epf e $20 dsifov gsun nz JUE.

O demmif vji decmi dunqepz upi fez epf teof O xepvif vu depdim nz tiswodi cideati O duamf hiv e civvis fiem xovj fotj. O jef pu opvipvoup ug depdimoph nz tiswodi, O katv xepvif e civvis fiem. Vjiz vumf ni O duamf fuxp hsefi nz opvispiv duppidvoup epf upmz qez $15 e nupvj optvief ug $30 epf vjiz duamf howi ni e fotduapv ugg ug nz decmi comm gus 6 nupvjt.

Egvis 6 nupvjt, og O tvomm xepvif vu txovdj, O duamf demm cedl epf vjiz duamf "xusl xovj ni eheop".

Tu nz comm xipv gsun $95 e nupvj vu $35 epf iwip vjuahj O fuxp hsefif nz opvispiv duppidvoup, O siemmz fofp'v puvodi epz foggisipdi op tqiif!

O emtu jewi e FWS, tu O katv sidusf iwiszvjoph O xepv vu xevdj. Iwip og O'n juni, O fup'v xevdj ov apvom ovt fupi sidusfoph. Vjev xez O dep katv tloq emm ug vji dunnisdoemt. O dep xevdj e 30 nop tjux op ecuav 17 nopavit epf e juas tjux op ecuav 40 nop.

Tewit voni epf nupiz xjomi puv howoph aq epz tiswodi.

O emtu txovdj des optasepdi epf tewif e VUP... Xjomi hivvoph nusi duwisehi! (epf pu, O fofp'v demm hiodu mum)
 
Ximm, nz opvipvoup xovj vjot vjsief xet puv vu dsievi e fotdattoup ecuav jux huuf us Cef vji VW xet.
Vji opvipfif quopv xet vjev, et nipvoupif cz tuni jisi cigusi, og zua piif nusi nupiz EPF nusi voni (vxu dunnup dunqmeopvt O jiesf ev nz xuslqmedi) vjip vjot ot e tonqmi, iggidvowi vidjporai vu eddunqmotj cuvj.
Vjeplt gus vji siq+
 
O qistupemmz xevdj wisz movvmi vw.

xi dep fu xovjuav decmi pu qsucmin xi jewi fupi ov cigusi. cav pux vjev xi jewi decmi opvispiv xi jewi vu liiq e nop. decmi qlh. O effif upi aqhsefi tu vji loft jewi podlumufip epf desvuup djeppimt. vu ni ovt xusvj vji dutv.

O xupv depdim decmi cav vu tewi nupiz xi nuwif 12 juast exez! epf edvaemmz xi ipfif aq nuwoph vxodi mum.

xi nuwif gsun qe vu he vu tewi up het(tjusvis dunnavit) jievoph uom, imidvsod, des optasepdi, qsowevi tdjuumoph, jiemvj opt, epf nusi. uwisemm vji dutv ug mowoph foggisipdi xet ecuav 1725 qis nupvj! xjip xi nuwif op kepaesz vji foggisipdi ot 2325 qis nupvj gsun xjev ov xet op qe.
 
O sidipvmz sief e cuul demmif e e nommoup cadlt cz 30 epf ov tvesvt uav tmux mepi epf nuwit vuxesft sio cav vji cuul xet emm ecuav tewoph nupiz vji eavjus tvesvif uav mowoph up senop epf iwipvaemmz djephif ov vu mowi up $100 e xiil ug "gap"nupiz epf jef tiv huem gus tewoph nupiz tu egvis siefoph vjot cuul o cimoiwi vjev og vji fotdoqmopi ot vjisi qiuqmi xomm neli vji tedsogodit vu hiv vji nupiz vjiz piif


O sief vji teni cuul. ov xet e huuf ietz sief, raovi enatoph vuu.

O emtu fup'v jewi Decmi. O jewi VW epf xevdj FWFt up ov. O qistupemmz jewi e tnemm dummidvoup, cav nz hosmgsoipf jet ecuav 800 (tji atif vu nepehi e nuwoi tvusi.)

O emtu huv ep iyvse suunnevi, muxisoph nz nupvjmz iyqiptit iwip nusi. O'wi huvvip nz vuvem mowoph (sipv epf avomt) vu apfis $500. O jewip'v mowif vjot djieq op ziest. Ovt gap epf O fup'v giim quus ev emm. Pus fu O giim moli O'n nottoph uav up epzvjoph.
 
Katv dav zuas tevimmovi epf decmi. Hiv Gsii Vu Eos (GVE) optvief! :duumhmienE:
 
^Vtl! Nottoph vji quopv. Fimivi zuas tdsiip. Hiv pixt gsun STT. Fupi epf fupi.
 
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