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I used to fit some of these categories. I definitely spent money emotionally. I am much better now and budget what I have each month to buy anything. I think as I have gotten older I have wanted to have less clutter which stops me from buying things as much.

1 year, 7 months ago on Signs You May Be A Shopaholic And 6 Things You Can Do To Change It

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Thanks for the list. I wonder if I can use any of these given I am Canadian.

1 year, 7 months ago on Who Doesn’t Like Freebies?

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We have been working on some landscaping the last few summers to finish our house off. It is coming along nicely and I am hoping to complete it this year.

1 year, 7 months ago on Conversation @ http://www.stockmonkeys.com/increase-the-value-of-your-home-SJRFZ8VO/

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We are like Krant. We use credit cards to get points. This year those points are paying for our vacation. 

1 year, 7 months ago on The Pros & Cons of Credit Cards vs. Cash

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We typically try to reinvest ours if we can unless we have a big reno or something we need to do . 

1 year, 7 months ago on How to Spend Your Tax Refund Wisely

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We use Quicken to track all of our finances and this includes our spending and bills. We find it a great way to examine things regularly to see if there are any changes we can make to things to save. Keeping good records is a must we find. 

1 year, 8 months ago on Money Saving Tips – 10 Ways to Save Money

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We always do our own taxes. It saves a bundle. We have gotten refunds the last few years and we are hoping to have that continue.

1 year, 9 months ago on Owing Taxes vs. Receiving a Refund: Which is better?

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Congrats Kevin and good luck. I too think you are going to do awesome. You are young and now is the time to take a leap while you can and the risk is less. I say open the door and see where it takes you.

Let me know if I can do anything to help.

I too am looking for a change, I am just not sure what that change needs to be yet.

2 years, 8 months ago on How I Quit My Job, and What I Plan to Do Next

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I think their advice is still valid regardless of their wealth now. In fact, it shows that you can reach wealth by following their advice. Sure you may not be able to sell your site for millions but you will have gained in the knowledge you have learned. This knowledge is what makes you rich.

2 years, 8 months ago on Wealthy, Successful Bloggers: Don’t Simply Follow Their Frugal Advice

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Great post. I think it is really important to preserve your reputation and network. They are valuable resources in today's job market.

2 years, 8 months ago on How to Quit Your Job with Grace

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I actually try to donate to places that aren't registered. Sure I don't get the tax breaks but I find my money actually goes to the issue at hand. Often small non-profit groups can't afford to register or don't want to because they lose their freedom of speech. I always look to see where my money will go if I donate.

2 years, 8 months ago on Non-Profit Ratings – What to Look For When Donating

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Thanks a bunch for including Derek's post this week. I like to call him the Passive Income Guru.

I too am looking forward to your new adventure story.

2 years, 8 months ago on Weekend Carnival: A New Beginning

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I am approaching 2012 as a whole with proactiveness. This year I am working to make changes to my day to day routines to make sure that I maximize my life and don't take things forgranted. Life is short and I don't want to have regrets. This year we are again taking a trip overseas which is really important to us. We are also working on spending more time with family and saving more money. All these things are going to make us feel more comfortable with how we are living our lives.

2 years, 8 months ago on What Are You Doing to Turn Your Discomfort into Action?

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@InvestItWisely My family owns a geothermal heating and cooling business. When I was about 11 years old my mom had gotten sick and I quickly became the woman of the house as well as started working part time. I would do mainly office duties, answering phones, faxing, typing, etc. When I was a bit older, 14 or so, I worked there 3 evenings a week doing everything from sales, quotations, operations manuals, and warehouse management. By 16 I was working there full time while finishing high school. I learned a lot from this opportunity and have a lot more experience than the average person my age. I have since gone to school and now work in health care but I sure got a solid skill base from my child hood job.

2 years, 8 months ago on These Three Jobs Are a Great Way for a Teen to Earn Money and Learn Something About Life at the Same Time

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I agree. Going back to school is not the answer for fixing a job you don't like. There are other jobs you can do that don't require additional schooling. Plus depending on what kind of Masters degree you do, many are very specific and won't apply to numerous positions. I agree that you need to be clear about what you want to do. If not you may just waste time and money.

2 years, 8 months ago on Is a Master’s Degree Worth It?

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I wish I could have something like this at work but I think it would be against code or something. I work in a hospital where things are pretty standard. They are much better for your body long term.

2 years, 8 months ago on The Cheap DIY Standing Desk

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My brother and I delivered flyers when we were kids. It definitely taught us work ethic. Every Sunday morning we had to get up and early and go deliver them. Plus Saturday night was spent sorting.

We also worked for the family business when we got older. By the time we were adults we knew a lot about working.

2 years, 8 months ago on These Three Jobs Are a Great Way for a Teen to Earn Money and Learn Something About Life at the Same Time

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I use my iphone as well remember the milk to get things done on my blog. They are both mobile which is really handy. I also use dropbox.

Glad to hear you are liking crashplan. We just got my dad set up on it too.

2 years, 8 months ago on The Tools of a Blogger and Developer

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I definitely have to read this book by the sound of it. I may conform to some norms like at my job and the fact that I have a house, husband, and will have kids but there are many things I do that a lot people I know don't. I think the bottom line is to be true to yourself and what matters to you and if this is different than the norm so be it.

2 years, 9 months ago on "The Art of Non-Conformity: Set Your Own Rules, Live the Life You Want, and Change the World": A Book Review and Giveaway

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Thanks for the mention. Glad you are fellow health nut. It's a good thing.

2 years, 9 months ago on Spruced Up: Superbowl Bound, Baby Edition

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I can definitely relate to this post. I have been there for sure. I worked in this one place where I swear there was no respect for employees, there were no growth opportunities, and if you went one week without being in trouble you were doing good. I was really glad to get out of there. I was lucky that this job was just a stepping stone too. It helped get me to that next level so it wasn't all for loss.

2 years, 9 months ago on 5 Signs You May Be Trapped in a Dead-End Job

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Congrats on one year. This is definitely something to be proud of. Wishing you even more success this year.

2 years, 9 months ago on The “Spruce Up Your Life” Blogiversary $100 Cash (+ more) Giveaway

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We check out credit report once a year. You can get it for free this way. We always like to make sure everything is accurate.

2 years, 9 months ago on 5 Tips for Your Personal Finance in 2012

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Interesting post. I am kind of 50/50 when it comes to goals. I have some and say things I would like to do but I am also one to just approach each day as it is and make sure I get the most out of it. I guess this is where the discovery comes in that you talk about. I also like to accomplish things each year but often when I look back they weren't the things I initially thought of.

2 years, 9 months ago on Five Reasons to Give Up Goal Setting

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SPF covered all of what I was going to say. You do have a prime situation and I hope it works out for you. For me, I am like SPF. I work for the government and have an amazing pension and great health benefits. I would never be able make up the cost of both of those privately. For me, I will use my online income to supplement and provide more opportunity. I don't see myself retiring on it for the reasons I mentioned.

2 years, 9 months ago on Why I Am Switching Career Tracks

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@Jeffrey Trull There is some wisdom with that. You are only young once. However we have to balance that with foresight for the future. We can only do so much in the present before we start sacrificing the future. Making sure to have a plan in place and resources accounted for can be huge in minimizing risk and regret.

2 years, 9 months ago on Help! I’m Not Investing For Retirement!

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MC makes a good point. You know your situation and what risks you can take. I think you have good justification for what you are doing and I really hope it works out for you. In fact, building income streams seems to be more stable than the market these days. Plus your young; you have a bit of leeway.

2 years, 9 months ago on Help! I’m Not Investing For Retirement!

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Thanks for including YFS' post. And yes, now that my fantasy league is done I can actually just sit and watch the games for fun. lol

2 years, 9 months ago on Spruced Up: Playoffs Edition

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Sounds like a great list. Best of luck with your extra income goals. $2500 a month can really add up over time.

If you want to guest post on my site, send one over. I would love to post something from you.

Best of luck in 2012.

2 years, 9 months ago on Goals for Quitting My Job in 2012

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The not using credit part is something that many still can't their head around. You would think it would help you. My hubby and I use our Visa to pay for everything that we can in the month and then we pay it off in full. This way we use our credit but never pay any interest. Plus we get travel rewards which comes in really handy for vacations.

2 years, 9 months ago on 5 Mistakes Which Could Be Stopping You From Achieving Financial Success

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@InvestItWisely@prairieecothrif True. If you try your best and still don't succeed you have not lost. We always learn something from everything you try.

2 years, 9 months ago on Recap of Personal Goals for 2011

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There are a lot of passes listed there. I think you had a great year. Congrats.

As far as waking up early to work out, it definitely takes some getting used to. The is something my hubby and I have implemented the last few months. It was hard in the beginning and still a challenge some days but all and all it has been great. We motivate and drag each other out of bed which helps a lot.

2 years, 9 months ago on Recap of Personal Goals for 2011

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We are also on the mission to declutter and clean up. It has been a chip on my shoulder for a while. Hopefully we can make some progress this month since the holiday stuff is now over.

I might not have 366 things to get rid of either but I sure there is a decent amount. Hopefully I can donate a bunch of it and help out some people.

2 years, 9 months ago on How to Take the Declutter Challenge! (Plus Updates)

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I like how you are reflecting on what you are grateful for. I have done something similar. It seems this time of year people concentrate on their resolutions and what they are missing and what they need to do in the next year; they often forget about all that there is to appreciate about the previous year. We are very fortunate.

Glad to hear things are going well for you and your girlfriend.

2 years, 9 months ago on Holiday Reading: Merry Christmas!

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Best of luck to you. I joined too. I think it is going to be a great learning experience.

2 years, 9 months ago on Making $30,000 from Blogging in 2012: Joining the $30k Challenge

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We have been working on building a plan B for the last while. It really isn't an overnight thing. It takes some time to form. Currently we are boosting our emergency fund so that we have a resource to pull from if things go array. We also keep up to date on our skills so that if the job market changes we have things to offer. We are also working on paying down or mortgage faster so that we can be debt free sooner.

2 years, 10 months ago on What's Your Plan B? I Mucked.

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Wow what a carnival. Thank you so much for hosting. Very interesting videos. Something to think about.

2 years, 10 months ago on Totally Money Blog Carnival #47: Prelude to a New Year

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Thanks so much for giving a shout out to the Yakezie resources on your blog. It is an amazing list.

2 years, 10 months ago on Looking for Help? the Yakezie Has a Great Team of Bloggers and Freelancers to Help You Out!

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