Please grade yourself (from 1 to 100%) in terms of how well you handle your personal finances..
Would appreciate a brief explanation as to why you give yourself this grade. Thanks!
80 percent I will bargain shop but...I will get in type of moods to say let's go do something fun,and arcades movies restaurant and long drives add up. but I don't regret it
Good grade and excellent response! There is time for pinching pennies and ALSO time to just ENJOY the things that make us happy. You have a good attitude! Peace, Paula
All the money in our household is being controlled by hubby. He pays for everything including grocery, household utility bills, kids education, etc.
75% I could make some improvements especially in investing long-term, but I'm an excellent bargain shopper, extremely resourceful in how and where I use the money I have and I live a very simple lifestyle. I do have the matter of having unstable income - part of the joys of being a freelancer, never know exactly what is going to come in and when. That can make it difficult to budget as effectively as I'd like.
Paula, I am awful with numbers and percentages. Upon reflection, I guess I would give myself a grade of 85 %.
I rarely use a credit card, except if I order off amazon.com...and I only do that if I have the money in my checking account. I immediately write my husband a check after I order, as he pays the bills when they come in.
I do not know how to use an ATM machine...hence no temptation to withdraw cash.
I have a Christmas Club and savings account which I contribute to monthly. The Christmas Club is great because I do not have to dip into my savings nor charge when it is time to Christmas shop.
I also have a vacation account which I contribute to monthly...and when the time comes to go on a trip, we just take from that account.
We have a 'house account' in which I deposit money each month. This have been invaluable for when the washer breaks down, etc.
I am absolutely terrified of stocks and investments. My husband and I have a pacesetter account. When that Ponzi scheme hit, we were safe, but a relative lost $300,000 and I know many celebrities lost a lot of money. I want nothing to do with ANYTHING that has a speck of risk.
I have a couple CDs which are doing bad because the interest is ridiculous, and I plan to make some changes when they mature.
Even though my husband pays the bills and I have a separate checking account, BOTH our names are on the checks in case of emergency, illness, or whatever.
Since my recreation is Barnes & Noble (weakness is buying books), reading, writing, and LOVE going to the movies, friends and family consistently give me Barnes & Noble and movie gift cards on special occasions. This saves me a lot of money.
I only buy clothes and shoes that I need. I spend more money on books than anything else.
Since I am trying to clear out tons of clutter, my mantra is, "I don't need one thing in this house!" which is truly helping me eliminate. Therefore I do not buy 'stuff' any more. My books and gift cards serve me just fine.
Thanks for a great question, Sparklea
by Laurel Rogers7 years ago
I've had an AdSense account for around a year now and have made some staggering money, folks-about 7 bucks, I think. The 'I think' part is there because no matter what I do I cannot sign in any longer to the...
by Gener Geminiano6 years ago
I think my account run into a maze of bugs hehehe...I think my account GeneralHowitzer has a bug... Every time I edit my hubs an alert like substandard, unrelated links, etc. appears. And before I edit a hub this also...
by ddlax4 years ago
Hey thereIt came to my knowledge that you have still not verified your hubpages website on pinterestif i am not wrong this seems your official profile on pinteresthttp://pinterest.com/hubpages/i have seen many sites...
by Paula13 months ago
Looking forward 2 a brand New Year! Please share with us......What are you focused on for the New Year? Do you have resolutions which you will make a sincere effort to put into action & follow...
by Tammy6 years ago
If you had a teenager that was months from graduating and decided to run away from home, how would you handle it?
by Dale Mazurek8 years ago
I have noticed an ebook going around Hubpages promising to show you how to use Ezinearticles.It is selling for like 25 or 29 bucks.Please dont spend the money no matter how good it sounds.Everything you need to know...
Copyright © 2018 HubPages Inc. and respective owners.
Other product and company names shown may be trademarks of their respective owners.
HubPages® is a registered Service Mark of HubPages, Inc.