And re #37: don’t just think of next year’s holiday. Think of what colors can be used for this year’s holidays, too! Pink wrappers, which show up a lot on Valentine’s candy, go perfectly for Easter. Red from Christmas can be used for Valentine’s and Fourth of July. “Non-holiday specific” gift wrap can be used as gift wrap through the year. Don’t forget green and gold from Christmas for St. Patrick’s Day. One year, I used some clearance (75% off) red and white ribbon, some candy canes glued together to make a heart and a big straw wreath form I already had, and made a Valentine’s Day wreath for pennies.
79. Don’t enroll in your bank’s overdraft protection program. At first blush, it might seem like a good idea; overdraft protection means that if you go to make a purchase with your debit card, and you don’t have enough money in your account to complete the transaction, the bank will “loan” you the money…and charge you a $25-$35 fee for their generosity. But that’s a big price to pay to avoid the embarrassment or inconvenience of having your card declined. And these fees can add up fast, because here’s what many consumers don’t know: most banks will purposefully process your largest transactions first , and then your smaller transactions after that. So let’s say you have $285 in your checking account and you buy a coffee for $ in the morning, a sandwich for $5 at noon, and then some college textbooks in the afternoon for $300. The banks will process the $300 transaction first , thus depleting your account, and then charge you another $35 fee for the coffee and for the sandwich, and bill you for $105 in overdraft fees. Banks used to automatically enroll their customers in overdraft protection programs, but a court ruling last year made that illegal. But it was a big money maker for banks, so they still aggressively try to get you to sign up. Every time I check my bank account online, I get a pop up that asks if I’m sure I don’t want to enroll in their overdraft protection program. You just have to say no and keep saying no.
Looking for a new hobby.
I read, write, we are gym rats, we have movie nights, collect movies as well, picked up target shooting 3 yrs ago, gun collectors, we hike in mountains all the time except when its snow and ice, I used to do martial arts, did palates, boxing, had my own business, own 3 sports cars, go to car shows, do some flea markets, music is huge in our lives, we spend lots of time with our 6 parrots n rottweiler, we hang out on a deck Summer nights eating dinner and drinks with friends, we do cruise in our cars, used to travel a bit and play all kinds of games but trying to find a different hobby to get into is very trying cause we do so much now but theres times ya want to experience something else to do.
One thing I cant wait til Renaissance Fair starts, absolutely love it. Guess I need hobby between near end of winter n before the fair begins cause I needs to fill unclaimed time lol
Though about an rc helicopter or rc vehicles to play with.
We do alot of hobbies already but man I really woukd love to find more
I used to draw very well in school even in my 20s. Hmmmmm maybe I should fiddle with that till I figure something out. Love being overloaded cause life is way to short to be bored lol