many of us have experienced this.... too much money is being spent on food!!! and we all try to cut back, but few of us are actually successful.
How much money should I be spend on food each week? no matter how I look at it, it always seems too much. And now, I am trying to get serious on cutting down.
Last week I spent about a total of $12 for lunch from Monday through Friday - hmm....good week.
This week, I am already on $17.50 (and today is only Tuesday). I went to subway yesterday... got a footlong sub, ate half and saved half to eat for lunch today. ($8) Went to the grocery store, bought 2 cans of soup and 2 bags of apple cripses, 1 bag of pretezels and 2 pouches of salmon steak. Hmmm....bad move since I can eat a can of soup of lunch each day....but I would need something to go with my salmon steak.
Snacking is also my down fall... if I didn't get the 2 bags of apple cripses or the 1 bag of pretzel, I would have saved about $5.50.
I tried fixing my lunches at home and bring it to work, but it is not cheaper than buying frozen entries at the grocery store when the entries are on sale.... does anyone have any suggestions on how to cut down on lunch spending?
Tuesday, September 26, 2006
Tuesday, September 12, 2006
9/11 A National Holiday?
Should 9/11 be a National Holiday? There are arguments on both sides. Here are some of the arguments:
We did not make Pearl Harbor a National Holiday: but people - let's ask yourself, how many people actually remember or know the date of Pearl Harbor? How many people remember? For those of you wondering, it is December 7, 1941.
Too close to Labor Day: This is just ridiculous for someone to even argue this, we want 9/11 to be a national holiday so we will never forget, not just to have another day off. I already know plenty of people from my office who were affected that already do take the day off to remember.
How long before people would start asking each other - as they now do for Memorial Day - say, "What're you doing for the Sept. 11 long weekend?" Here is a thought, remembrance day in Canada, November 11, is a national holiday, and growing up there I remember having the moment of silence in school, and wearing the a red poppy on my chest and thought to myself:
In Flanders Fields
In Flanders fields the poppies blow
Between the crosses, row on row
That mark our place; and in the sky
The larks, still bravely singing, fly
Scarce heard amid the guns below.
We are the Dead. Short days ago
We lived, felt dawn, saw sunset glow,
Loved and were loved, and now we lie
In Flanders fields.
Take up our quarrel with the foe:
To you from failing hands we throw
The torch; be yours to hold it high.
If ye break faith with us who die
We shall not sleep, though poppies grow
In Flanders fields.
and the nation remembers. Is this argument saying that Americans are not capable of doing the same?
National Holiday is a celebration i.e. Memorial Day: is to celebrate the war is over: again, like my thoughts above, it this all Americans are capable of?
to be fair: here are some arguments on both sides:
Make 9/11 a national holiday? (click on "Yes" or "No" for link)
Yes
No
and you tell me what you think.
We did not make Pearl Harbor a National Holiday: but people - let's ask yourself, how many people actually remember or know the date of Pearl Harbor? How many people remember? For those of you wondering, it is December 7, 1941.
Too close to Labor Day: This is just ridiculous for someone to even argue this, we want 9/11 to be a national holiday so we will never forget, not just to have another day off. I already know plenty of people from my office who were affected that already do take the day off to remember.
How long before people would start asking each other - as they now do for Memorial Day - say, "What're you doing for the Sept. 11 long weekend?" Here is a thought, remembrance day in Canada, November 11, is a national holiday, and growing up there I remember having the moment of silence in school, and wearing the a red poppy on my chest and thought to myself:
In Flanders Fields
In Flanders fields the poppies blow
Between the crosses, row on row
That mark our place; and in the sky
The larks, still bravely singing, fly
Scarce heard amid the guns below.
We are the Dead. Short days ago
We lived, felt dawn, saw sunset glow,
Loved and were loved, and now we lie
In Flanders fields.
Take up our quarrel with the foe:
To you from failing hands we throw
The torch; be yours to hold it high.
If ye break faith with us who die
We shall not sleep, though poppies grow
In Flanders fields.
and the nation remembers. Is this argument saying that Americans are not capable of doing the same?
National Holiday is a celebration i.e. Memorial Day: is to celebrate the war is over: again, like my thoughts above, it this all Americans are capable of?
to be fair: here are some arguments on both sides:
Make 9/11 a national holiday? (click on "Yes" or "No" for link)
Yes
No
and you tell me what you think.
Monday, September 11, 2006
Tiger Woods
The weekend is over once again..... played golf on both Saturday and Sunday. And then it is back to work...now, if I can just be like Elin Nordegren (Tiger's wife), and marry a rich golf pro...everyday will be a weekend, and I can actually take advantage of the courses when it is quiet on weekdays. Not to mention the free lessons.....
I think this means I need to go buy some cute golf skorts to make sure I have a chance at scoring the next Tiger... now, if someone can tell me how I can look like a model give that I was not braced with long legs at birth.
I think this means I need to go buy some cute golf skorts to make sure I have a chance at scoring the next Tiger... now, if someone can tell me how I can look like a model give that I was not braced with long legs at birth.
Friday, September 01, 2006
The Fabulous life.....
For those of us who wonder..... and for those of us working towards that goal....
The Jet Set's Shopping List Unmasked: How do the very wealthy spend their money? You may not want to know.
By Thomas KostigenMarketWatch
Private jet owners have an average annual income of $9.2 million and a net worth of $89.3 million. They are 57 years old. And 70 percent of them are men.
Hannah Shaw Grove and Russ Alan Prince, two researchers, surveyed the group to find out who they are, what makes them tick, and perhaps most interestingly, what they spend their money on.
The average jet setter spends nearly $30,000 per year on alcohol (wines & spirits). Grove and Prince note that this amount is about two-thirds of the median household income in the U.S. And that's the smallest category of spending they surveyed.
The next smallest was "experiential travel," which includes guided tours, such as photographic safaris, or hikes to Machu Picchu, or eco-tours to the Brazilian rainforest, or kayaking in Baja California during the gray whale migration. For these experiences, jet setters spend an average of $98,000 per year.
Travel
But these journeys are small potatoes when compared to how much these wealthy individuals spend on hotels and resorts ($157,000 a year), or events at hotels and resorts ($224,000 a year). Spa treatments even fetch more jet-set dollars than wilderness tours. The average jet setter spends $107,000 a year at spas around the world.
Not that many of these "global citizens," as they like to be called, would know: Just 34 percent of jet owners open their own mail and only 19 percent pay their own bills, Grove and Prince found. This results in a sort of detachment from the world and creates "the low level of awareness that most jet owners have about their finances," they say.
Indeed, it would take a curious psychological composition to comprehend spending $147,000 a year on watches, as the jet set do. Or $117,000 on clothes. Or a whopping $248,000 a year on jewelry.
These people need serious help with their...finances. And that is partially why Grove and Prince conducted the survey -- as a note to advisers who might be able to help people with complex money issues.Getting Good Help
"Any way you slice it, private jet owners are an ultra-affluent bunch and, as such, likely have intricate financial requirements. As is often the case, there is a proportionate relationship between the amount of wealth and the complexity of the financial goals, meaning there is a greater need for a professional adviser to guide them through the planning process and supply them with strategies and experts to meet their goals along the way," they say.
Whatever. I'm far more interested in how much the super rich spend on cars ($226,000 per year), and boats ($404,000 a year on yacht rentals).
I'm even more interested to know what the $542,000 a year in home improvements was spent on. Grove and Prince say the average jet setter has more than two principal residences worth at least $2 million each. New kitchens? Kick ass sound systems? They don't inform.
But they do tell us that jet-setters spend the most amount of money on art, $1.75 million a year on average. It's also here that the spending patterns differ by the classes within the classes that Grove and Prince unearthed by analyzing the jet-set pack.
Trendsetters spend the most as group, but the least amount per purchase. Last year, 60 percent of this group bought art, at an average price of $500,000. Trendsetters are influenced by magazines, television and movies, Grove and Prince say.
Connoisseurs, on the other hand, spend on average more than $6 million per piece, yet are cautious purchasers: less than 10 percent of this class bought art last year.
I'm not sure which of the three personality types Grove and Prince defined among jet setters I'd fall into: Trendsetters are more likely to be impulse buyers; Winners reward themselves and those in their inner circle with large purchases for personal and professional accomplishments; and Connoisseurs are deliberate in their purchasing behavior and thoroughly research all aspects of a category, and a particular item, before making a decision.
Not that it much matters. I'd just like to be able to afford to spend $168,000 a year renting a villa or chalet, as the jet set do.
It'd be fun.
For the full report on how the jet set spend their money, go to www.hannahgrove.com and go to "white papers" in the publications section
The Jet Set's Shopping List Unmasked: How do the very wealthy spend their money? You may not want to know.
By Thomas KostigenMarketWatch
Private jet owners have an average annual income of $9.2 million and a net worth of $89.3 million. They are 57 years old. And 70 percent of them are men.
Hannah Shaw Grove and Russ Alan Prince, two researchers, surveyed the group to find out who they are, what makes them tick, and perhaps most interestingly, what they spend their money on.
The average jet setter spends nearly $30,000 per year on alcohol (wines & spirits). Grove and Prince note that this amount is about two-thirds of the median household income in the U.S. And that's the smallest category of spending they surveyed.
The next smallest was "experiential travel," which includes guided tours, such as photographic safaris, or hikes to Machu Picchu, or eco-tours to the Brazilian rainforest, or kayaking in Baja California during the gray whale migration. For these experiences, jet setters spend an average of $98,000 per year.
Travel
But these journeys are small potatoes when compared to how much these wealthy individuals spend on hotels and resorts ($157,000 a year), or events at hotels and resorts ($224,000 a year). Spa treatments even fetch more jet-set dollars than wilderness tours. The average jet setter spends $107,000 a year at spas around the world.
Not that many of these "global citizens," as they like to be called, would know: Just 34 percent of jet owners open their own mail and only 19 percent pay their own bills, Grove and Prince found. This results in a sort of detachment from the world and creates "the low level of awareness that most jet owners have about their finances," they say.
Indeed, it would take a curious psychological composition to comprehend spending $147,000 a year on watches, as the jet set do. Or $117,000 on clothes. Or a whopping $248,000 a year on jewelry.
These people need serious help with their...finances. And that is partially why Grove and Prince conducted the survey -- as a note to advisers who might be able to help people with complex money issues.Getting Good Help
"Any way you slice it, private jet owners are an ultra-affluent bunch and, as such, likely have intricate financial requirements. As is often the case, there is a proportionate relationship between the amount of wealth and the complexity of the financial goals, meaning there is a greater need for a professional adviser to guide them through the planning process and supply them with strategies and experts to meet their goals along the way," they say.
Whatever. I'm far more interested in how much the super rich spend on cars ($226,000 per year), and boats ($404,000 a year on yacht rentals).
I'm even more interested to know what the $542,000 a year in home improvements was spent on. Grove and Prince say the average jet setter has more than two principal residences worth at least $2 million each. New kitchens? Kick ass sound systems? They don't inform.
But they do tell us that jet-setters spend the most amount of money on art, $1.75 million a year on average. It's also here that the spending patterns differ by the classes within the classes that Grove and Prince unearthed by analyzing the jet-set pack.
Trendsetters spend the most as group, but the least amount per purchase. Last year, 60 percent of this group bought art, at an average price of $500,000. Trendsetters are influenced by magazines, television and movies, Grove and Prince say.
Connoisseurs, on the other hand, spend on average more than $6 million per piece, yet are cautious purchasers: less than 10 percent of this class bought art last year.
I'm not sure which of the three personality types Grove and Prince defined among jet setters I'd fall into: Trendsetters are more likely to be impulse buyers; Winners reward themselves and those in their inner circle with large purchases for personal and professional accomplishments; and Connoisseurs are deliberate in their purchasing behavior and thoroughly research all aspects of a category, and a particular item, before making a decision.
Not that it much matters. I'd just like to be able to afford to spend $168,000 a year renting a villa or chalet, as the jet set do.
It'd be fun.
For the full report on how the jet set spend their money, go to www.hannahgrove.com and go to "white papers" in the publications section
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