Monday, March 14, 2011

Credit or Debit Card

We have a digital society,many people prefer credit or debit cards. Instead of cash,to pay for their expenses.You can use a credit card safely, if you can afford to pay your  credit card  expense off every month. We all see something on sale,or just have to have a item,and we can get in trouble if we chew off more than we can handle.We just don’t realize how we can over spend fast.I was reading a article in the Kiplingers.com magazine.Their was a 2010 survey by Mercator Advisory Group They said (and I quote) 60% of households said they held a credit card,down from 74% in 2009. In 2010 42% said they were using them less.
Debits cards are like carrying your cash with you,somewhat. But you have to be very careful with the card ,because it is so easy for identity thieves to get your information.That would mean big trouble.Also with the debit card,you should know what your limit is.on spending, but nobody is perfect.So we can go over our limit easy. If we see something that is on sale,that we can use.
Myself I prefer cash,because if you go shopping,you know what your limit is. So I can’t get myself in debt. I know from experience,it is so easy to do.

Posted by Jeannie at 6:52 PM 0 comments

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Labels: cash, credit, debit, digital society, kiplingers, merator advisory group

Diets

Their are so many differant diets out their. It really makes you crazy,which one is good for you? When I go back on my diet,all I have to do is,not eat bread,potatoes, anything that is white. All sweets are out of the picture( of course). I drink a lot of water and green tea and.eat lots of fruits. .You have to keep portions in mind.
My problem is that when I lose 10 pounds or more. I think it is o.k. to go off of the diet,and eat what I want. And before you know it the pounds comes back on. I’m going to stop this crazy way,and get down to business.
If I want to be healthy,I’m going to have to stop this for once and for all.

Factoring

This is a method of selling your invoices and cashing in on the money you are owed . This is for small or mid size business, that need to keep cash flow handy when needed.Their are over $140 billion business, that are still handled by Mom-and -Pop operators ,who haven’t changed their practices.Their are a lot of factoring companies to-day,that can help with keeping your cash flow simple.By selling that debt to a third party.You can register with a Factoring company to sell your invoices. Then one of their buyers will bid on your invoice,and if you agree,the bidder will give you a cash advance.Usually 75% to 90% of their value in return for a cut of 1to2%a month.. When your client pays,you get the balance,minus that cut. 

Gift Cards

I didn’t know what to write about tonight,but for some reason gift cards come to mind.You can buy gifts cards for the differant occasions like ,birthday’s.holiday’s,graduations ect. This is a great idea,for purchasing something for someone that has everything already. Or you just don’t know what to buy a person that is a fussy gus. The differant ideas for gift cards are endless. I always welcome a gift card,because if you don’t need anything at the time you receive it. You can hold on to it,until you do. When their is a good sale going on and you are low on cash. If you have a gift card or cards hid away to use later,this is a good time to dig it out and use it. So keep in mind this makes a very good gift for everyone.

March

Their are a lot of things going on in March. Special days and Holiday’s

. For example: The 9th is Ash Wednesday- 13th Daylight Savings Begins-Don’t forget to set your clocks 1 hour ahead before you go to bed on Saturday.
17th is St. Patrick’s Day,also my older brothers birthday.Last but not least-20th First Day of Spring. We have all been waiting for this day. Everyone has had their share of snow,beautiful falling,but not so beautiful shoving,and staying around for a while getting dirty.

Work

I don’t know about you,but I enjoy going out to work. I like working with the public,their are days,when you go to work and you  meet new people.Most people are nice,a very few try to ruin your day But its up to you to let it pass you by.Their are co-workers that you work well with,and their are co-workers that  are a nightmare. .I try my best to let a lot go over my head,sometimes it is hard. Your suppose to work like a team,then everything should run smooth. I do know,I learn something new everyday.Everyday is a new adventure.

Who’s Organized?

If you are anything like me.I have a lot of organizing to do, all of my closets need redoing(everything goes inside). I have to get myself motivated,or I’ll just put it on my “To Do List”. I believe everyone has one of those lists.I went out and purchase one of those clothes organizers,its a start. The organizer is very nice,you can free-up the bottom of the closet. So you don’t have your slacks taking up a lot of bottom space. The next thing I might do,is go out and purchase a few baskets. So that I can organize the top shelves. This might make it look neater.After that,I need to organize the bottom of the closet. I haven’t decided,if I want shelving,just add a few more baskets,or do something completly differant.

Things That Needs To Be Done

Today is just another day. Your trying to get things done,that needs doing. Washing, cooking,cleaning,errands, plus everything in between.I do not know,how we can manage do all these things in one day. But we do it day after day.Also if you work full time or part time, it surely is another story. You come home from work,tired and not wanting to do anything else. If you have little children you know that’s not possible. They don’t understand. They want to eat,then they need help with their homework ect.It seems like their just isn’t enough time in a day,to do everything that you would like to do.I’ll say,tomorrow is another day, it will have to wait until tomorrow.

Jeannie’s Home-Made Candies and Things

Hello Everyone! I’m new at blogging.,so please bare with me. I love to write,but I really haven’t had the time. It is raining outside now. So I thought it would be a great time to start this blog. I have a lot of things on my mind. I will be retiring in a few years(I Hope) and I need to think about what I want to do after my retirement.My passion is making chocolate candies. Maybe I can open a little” homemade candy “store.That would be nice.
The only thing that worries me is the economy. It isn’t very good right now, maybe things will pick up soon. I believe people only buy things like this, is when they have extra money to spend.