Financial Saving Tips

Submitted by daliscarlod4 on Thu, 12/03/2009 - 16:39

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Hello daliscarlod4 , First of all welcome to the credit magic forum. I read your post and see a lot of useful information. Thank you for contributing to the site. There are a lot of ways people can save money these days and the steps above our nice begginers. I would not mind seeing others add to this post. The extra money people can save can go to paying off credit card bills or simply putting money back in a future fund.

Thu, 12/03/2009 - 20:00 Permalink

I've gone by ALOT of these tips and I'll tell ya...it really helps!! Sometimes, when I put money into a savings account ( just alittle at a time..) it's great. However,...can be a little bit 'depressing' when I have to use it for something (bills, etc). But,..at least, I know it's there. Putting 'spare change' in a container...that can add up, as well!!

Sat, 12/12/2009 - 13:10 Permalink

Hi, GRAHAMKETTY. Well.....I'm not sure where you reside, but, I would go to your local banks or Credit Unions and see what the best rate is for YOU (on savings acounts, etc.) I'm not sure what KIND of accounts your looking for. I'm sure a financial advisor can help.

Fri, 01/01/2010 - 12:16 Permalink

If I were to use any bank I would make it a local one that I could drive to. I do not ever advise any bank that is out of your area. Sd is correct about credit unions. They usually do offer the cheapest interest rates. If you let us a little more info on what exactly you are looking for in a bank and the area you are from we could probaly help you out a little more.

Sat, 01/02/2010 - 18:13 Permalink

I live in a small town where 'everyone knows everyone' type of thing. I DO know (because I've done this) if you have a Savings account, and keep adding to it, SOME banks will let you get a loan, with the Savings account as collateral. Also.....you'll 'establish' yourself for 'in house credit' kind of thing.

Sun, 01/03/2010 - 22:42 Permalink

@daliscarlod4,

That really sounds interesting and i think if one really applies this daily lifestyle then they will save on more money and will learn the usage of things for their future.

Tue, 02/16/2010 - 22:03 Permalink

Thanks for the wonderful information.I've looking for this kind of information on particular this issue for a long time..its really very effective in today's expensive era where every one wants to secure their future in monetary term..
===================
Compare Credit Cards

Fri, 03/05/2010 - 10:37 Permalink

some good tips, TY.

Id agree with the above on Credit Unions. They seem to have that inner circle special for their account holders after an extended time of positive banking history and are more likely to provide a line of credit or loan at a reasonable rate of interest.

Bundle your cable, phone, and internet is another way to better budget your monthly bills - AT&T even offers mobile bundles for those who arent interested in establishing a land line.

You can also bundle insurance policies between your home and auto to receive a better rate and the convenience of 1 monthly payment to them.

Create a savings account that does not have a debit card attached to it for purchases and cash advances. Most companies can split direct deposits too. Take $25 a pay period and have it deposited into this account. Youll never miss the $25 once u get used to it. Not having immediate access to the funds will better enable the savings process to take its toll and build a nice rainy day for ya.

Micha3l

Wed, 03/10/2010 - 18:50 Permalink

I was recently out of work for 5 weeks and ended up having to roll the change in my "change jar". Never thought I'd ever actually need to do that. But I ended up with over $65! So I can attest that that's a great tip for emergencies! :)

Sun, 03/28/2010 - 20:14 Permalink

Yep!!..........I've done that, as well. You'll be surprised how change adds up!! For a rainy day, or..if you wanna splurge on yourself!!

Mon, 03/29/2010 - 01:38 Permalink

I know, now that I'm working again finally I'm super excited about really paying attention to throwing my spare change in it. I'm going to save it up and take my baby boy to Disney in a few months. :D

Mon, 03/29/2010 - 01:42 Permalink

Before opening a savings account, find out whether the account is insured by the federal government (FDIC for banks or NCUA for credit unions). Financial institutions offer a number of products, such as mutual funds and annuities, which are not insured.

Wed, 04/14/2010 - 02:45 Permalink

Thanks for the useful advice and tips.

Here are some hope this will wok for us too...

Save pocket change or rebate money.

As a debt pays off, designate monthly payment to savings.

Don't track spending after making a budget - Plan your spending before designing your budget.

Thu, 02/24/2011 - 11:50 Permalink

As you pay off debt, go from your smallest debt to the largest one. After the smallest one is paid off, you can put that money toward the largest one. This may take some time to accomplish, but, it does work. The more you pay off, the better your credit score will be.

Tue, 01/03/2012 - 19:15 Permalink
Georgy (not verified)

Happy Birthday. Just always reembmer it is easier to get credit with no credit, like now, then if you jack up your credit and have bad credit. Until you have accounts reporting you may not have a score and I see that regularly when people pull their credit reports. There are several factors that make up your credit score and Fair Isaacs Corp which came up with the FICO score is the most widely used scoring system. I'll put a link below instead of rewriting it all out.

Thu, 04/11/2013 - 19:06 Permalink
Fred (not verified)

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Fri, 04/12/2013 - 01:12 Permalink

Try to save on your car fuel, food, grocery bills and electricity bills and so on.

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Banff to calgary on the Rocky Mountaineer

Lost in darkness, The train growls and thunders with unanimous black of the tunnel. The dark seems to goes and much more. Then we emerge from what seems the secret dark of earth's heart. It is way, And the sunlight finds you, And you see the crumpled paper piles, Austere to macronate, in the direction of west.

have become up with trains. A childhood years spent in small Ontario towns built along the rail line, outlined on our site hear the trains shunting in the freight yards on sticky August nights. I climb to get up in my cowboy pyjamas (And cowboy household slippers, Each with its own tiny holster to hold tiny silver six shooters) And sit by the processed window, taking note of the echo of the couplings as they bang and boom and the train takes up the slack between the railcars. Railcars stuffed with car parts, Tankers of oils, Flatcars of composition steel and farm machinery.

A passenger train through Rockies is a different creature from the soot covered wyverns of the old C. i. nevertheless, It rumbles combined with roars, Its whistle screams however the dark. And peregrine coffee drinkers are stirred.

Like gary Earle said: Takes a lot to laugh, But needs a train to cry. Our terminus is vancouver. Someone asks the tour guide on the train why the Rocky Mountaineer doesn run after sunset. It dingy, We stated. Not much good for taking in the sights. It seems the Rocky Mountaineer people have given this some thought.

A scenic view from the Rocky Mountaineer voyaging from Banff to Vancouver.(Ken Winlaw)

At bay Louise, Climbing toward the particular divide, We pass the Lake Louise Station kitchen. Our trains that are included with guides, Or interpreters as it were, Who explain in divine detail what we are seeing, Or may see, or cold seen, Or are gonna see. already happening, She says the station was applied in Dr. Zhivago, In the scene when Lara leaves. I get one blurry snap shot. perusing it now, It could be the station, Or it would be the seat in front of me. Definitely the seat the attention of me. I sing an integral part of Lara Theme, But some of the fellow travellers, Mostly people today, take a me askance. One lady friend asks me, medical professional. Zhivago? north americans ride the Rocky Mountaineer, in addition to a smattering of Australians, britons, Kiwis, also as an Irish adventuress, very far from the green of Erin.

I obtain few Canadians, And mystery why.

Train ride through the muricate peaks of the Rockies can only be improved with a vino or two, Or hell, a large number of glasses, By which time the raillery on board was general, especially in the part of the train occupied by drunk journalists and other bedlamists. And maugre the quest of the train suzerains, It ends as this stuff do, In rips, And burghundy spilt across some poor scribe laptop.

Rocky Mountaineer passengers ride in glass roofed remark cars, So an individual miss a thing. (Ken Winlaw)

when you are done Lake Louise, We cross the continental divide, The mountainous high point that splits the continent east and west. Now the train follows the rains and the rivers through scrub pine and meadow to the greater Pacific.

At Kamloops we slow down. Light is disappointment, And in keeping with the Rocky Mountaineer creed, We don ride at night.

Dawn gaps cool, dreary, And we board for the second leg of our tour to the west. Scenery of less likely beauty. Trellis bridges high over sporting water, Serpentine tunnels clinging to high stack walls.

during skies of slate, The brown hillocks mimic sleeping bears, the nearest we come to seeing such creatures on this trip. We told to watch out for them, As they usually are seen fishing by the streams or shallow, quick rivers. But if bears ended up being, None made by themselves known to us, Instead determining to watch us from the bosky hills with their small, Pig want eyes.

The open air deck on the Rocky Mountaineer gives you a different mindset, And is a preferred spot for shutterbugs. (Ken Winlaw)

upon midday, The clouds dissolve, The cerulean sky now unbroken and quite a few. A lone eagle floats in perfect circles with adamantine cobalt above, Like youngsters toy on a string.

at Abbotsford, The work on slows. This train shares the track with other trains, Some with the same destiny, Some contrary. We slow for them. On rare anniversaries the train must stop entire, Or seek a spur line to pay off the main.

as being a, calgary, through railyards and freight depots, Until we debouche at the Rocky Mountaineer radio station proper, Greeted by a delegation waving guidons together with such banners heralding the end of our journey.

But with our passage to the west ending in calgary, might be said our adventure is just beginning.

in order to ROCKY MOUNTAINEER

The Rocky Mountaineer is a Canadian rail tour company based in vancouver. Since their first flywheel completed 1990, The Rocky Mountaineer line has moved two million passengers, Making it the largest privately owned passenger rail service in the united states. many people ride in the glass roofed top level, While gourmet breakfasts hot ukrainian women and lunches are served in the luxury dining car below. different open air observation platforms, trendy with the shutterbugs. (Where the last spike was driven to carry out Canada transcontinental railroad), Overnightofg about Kamloops, And then on to vancouver.

Coastal verse: You flight from Seattle, to wash. To vancouver, Taking in the ocean air and coastal views before heading into the jaw dropping countryside of the Canadian Rockies.

Journey through Clouds: Travel from calgary through Kamloops to Jasper, Alta. Past fast going rivers, Glacial lakes and rapids.

rainforest to Gold Rush: see the fjords, Islands and ancient cedars of the Pacific rainforest as you relive the gold rush era, on a journey from Vancouver through Whistler and Quesnel to Jasper.

Mon, 07/22/2019 - 10:39 Permalink
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Sat, 11/23/2019 - 15:54 Permalink
RobertObjem (not verified)

For sure, creditmagic.org isn't a perfect place to share my equestrian hobby, but I have to start somewhere, so I thought that "Budgeting your expenditures" category will be ok.

Thing for several riders. Some riders don't feel the necessity to use them and
consider them an unnecessary attachment, while others can't imagine functioning
without them. What's the truth? In case you choose to use a carpet, which one would be
suitable for your horse?

It's true that in their
Natural habitat, horses do just fine without such conveniences as rugs. However,
we need to be aware that horses functioning in horse riding don't have the same
functioning conditions as the horses living in their natural habitat. To start with, horses training below the saddle are usually shaven, which impacts their natural protective layer against low temperatures. Most time when it's
cold outdoors, these horses invest inside, where they're not subject to reduced temperatures. The matter of a different diet is crucial here. That is why
we can't expect them to have the immunity that their free brothers have. While
changing the horses' customs and surroundings, we need to supply them with
protection from the negative effects of e.g. weather. For that very reason we've got various types of carpeting. Which type would be most useful to your horse and
when to use it? We will attempt to explain that.

<strong>In shops it is possible to encounter these types of rugs:</strong>

  1. Training -- this type of carpet is set on together with a
    saddle. It'll be ideal for colder days. We should mention that
    training together must not be too exhausting, as your horse could have difficulty with losing heat excess from your system.
  2. Dry -- normally made of fleece or some other
    material with moisture-absorbing properties. This type of rugs is usually
    used after instruction so as to wash the horse. In shops, you can locate them as
    fleece carpeting. They
    should protect the horse from heating too much, but at the exact same time they
    don't block air circulation, so the horse does not sweat. To be used in stalls.
  3. Paddock -- to be utilized on paddocks. This will protect
    your horse against the wind and light rain. Made of materials easy to wash. This type of carpet is ideal for paddocks on rainy days.
    Mostly they're made to be as waterproof as possible.
  4. Fly -- utilized to protect the horse from insects.
    Usually made of mesh material. This type of a carpet is super useful in summer time, in which horses are especially subject to insects' bites of all
    sorts.
  5. Winter --
    rugs with cushioning. To be utilized on a paddock
    or in a non-heated stable. Usually it's possible to pick from a couple
    thickness of cushioning for one version.
  6. Transport -- to be utilized to protect the horse
    during transportation.

Another thing would be to adjust the
Appropriate length. Namely, the way to select proper dimensions for your own horse. Particular manufacturers have various
size markings. It is possible to locate letter sizes (S, M, L etc.),
centimeters, or inches. There is a rule where for units of duration is the duration of the carpet on the horse's back. This value is essential for deciding on the right
size. Of course, it is best when you can
have a look at a graph when all the rug's measurements are mentioned. Then you
can be sure a given size will fit your horse properly.

As you can
See, by using proper rug you are able to assist your horse in managing unpleasant
Weather, insects, or shield him during transportation. Additionally, You shouldn't overdo
The whole rug thing. If you use them when they are not needed, you can disturb
But you need to remember
That without a rug when the weather is poor, you undermine your horse e.g. to a
Higher chance of getting cold.

https://kavalero.com/how-we-can-begin-to-ride-horses/

Fri, 11/29/2019 - 16:37 Permalink
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Fri, 11/29/2019 - 23:14 Permalink
RobertObjem (not verified)

For sure, creditmagic.org isn't a perfect place to share my equestrian hobby, but I have to start somewhere, so I thought that "Budgeting your expenditures" category will be ok.

Horse rugs are a confusing

Matter for many riders. Some riders don't feel the need to utilize them and
consider them an unnecessary attachment, while some cannot imagine functioning
without them. What is the Reality? In case you decide to utilize a carpet, which would be
acceptable for your horse?

It's true that within their
Natural habitat, horses do just fine with no amenities as carpets. However,
we need to be aware that horses working in horse riding do not have the same
functioning conditions as the horses residing in their natural habitat. First
of all, horses training under the saddle are usually shaven, which impacts their natural protective layer against low temperatures. Most time when it's
cold outdoors, these horses invest inside, where they're not subject to reduced temperatures. Even the matter of another diet is essential. This is precisely why we cannot expect them to have the immunity that their free brothers have. While
altering the horses' customs and environment, we will need to supply them with
protection from the negative ramifications of e.g. weather. For this very reason we've got various types of carpeting. Which kind would be useful for your horse and
if to use it? We'll attempt to describe that.

<strong>In shops you can come across these types of carpets:</strong>

  1. Training -- this type of carpet is put on together with a
    saddle. It'll be perfect for colder days. We should mention that
    training with them should not be too exhausting, because your horse might
    have difficulty with losing heat excess from your system.
  2. Dry -- usually made from fleece another material with moisture-absorbing properties. This sort of carpets is generally used after instruction in order to dry the horse. In shops, you can locate them as
    fleece carpeting. They
    should protect the horse from cooling too far, but at the same time they
    don't block air circulation, so the horse doesn't sweat. To be used in stalls. This will protect
    your horse from the wind and light rain. Made of materials easy to clean.
  3. Rain -- it protects your horse's coat from becoming wet during rain. This kind of carpet is perfect for paddocks on rainy days.
    Mostly they're made to be as waterproof as possible.
  4. Fly -- utilized to protect the horse from insects.
    Normally made from mesh material. This kind of a carpet is super helpful in the
    summertime, in which horses are particularly subject to insects' bites of all
    sorts.
  5. Winter --
    rugs with cushioning. Usually it is possible to pick from a couple
    of thickness of cushioning for a single model.
  6. Transport -- to be utilized to safeguard the horse
    during transportation.

Another thing is to adjust the
Appropriate length. Namely, the way to select proper dimensions for your own horse. Particular manufacturers have various
size markings. There is a rule where for units of length is the duration of the carpet on the horse's back. This value is essential for choosing the proper size. Obviously, it is best when you're able to have a look at a chart when all of the rug's dimensions are mentioned. Then you
can make sure that a given size will fit your horse properly.

As you can
See, by using proper rug you can help your horse in dealing with unpleasant
Weather, insects, or protect him during transportation. Additionally, You should not overdo
The entire carpet item. Should you utilize them if they Aren't needed, you can disturb
However, you need to remember
That with no rug when the weather is bad, you undermine your horse e.g. to a
Higher chance of catching a cold.

https://kavalero.com/how-we-can-begin-to-ride-horses/

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