He told me he loves me
I knew he felt it, but wasnt sure how long it would take to hear it. Tonight, post trick or treating, he told me how he feels. It's nice to have the verbal affirmation of what I've been assuming 
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Posted by Diora_CapriPosted by truecap
Wow. I'm flattered. *blushes*
All I know to say is strive to live BENEATH your means. Money is freedom and money is security. So, it doesn't really matter how much you make, just spend less than you make. Thus, there is always money to pay the bills and you can be stress free. Be happy with what you have and save for what you want. Learn to establish the difference between wants and needs.
Stay AWAY from credit cards. Do not use them except in emergency situations unless you can pay them off every month. Paying the minimum payment is the worse thing you can do. Look at your bill and it will show you how much it will cost you to pay it off if you only pay the minimal balance. Why pay the credit card company that interest, when you can save for something, pay cash, and spend or save that extra money.
Debt should only be used to purchase a house. Pay cash for everything else. If you can't pay cash, you don't need it.
This is what I learned from reading Dave Ramsey's Total Money Makeover (and I listen to his show every day).
1. Start with an emergency fund Of $ 1000 or more in case something comes up like a car repair or something so you can pay cash instead of going into debt to get it fixed or you have to fly out of town for a funeral or something drastic happens.
2. Pay off your debt except for the house. Don't spend anything you don't have to and eat cheap, no shopping, no eating out and every spare dime goes to pay off debt.
3. Then build your emergency fund to cover up to six months of expenses in case you lose your job or get sick and can't work.
There are more steps after that (building a college fund for the kids, paying off a mortgage, giving and charity, etc). My exhusband was always getting us into deeper debt and though we made plenty of money, we struggled with our bills. He never would get on the same page about saving money. After my divorce, I got on this program and I am now in step #3. You will be surprised how relieved and free you feel when you get on your feet and have that freedom.
Anyway, thanks for asking. It takes discipline, but you can do it if you really want to. And, I don't claim to be an expert by ANY means.
Agree 1005% . Planned it ages ago and am doing it right now myself. Great job, Truecap! This wasclick to expand
"It's called a travelcard - it covers rail, underground tube, buses in London.
Travelling into work 5 days a week is soo expensive. Annual pass gives u two months free and can commute off peak n at peak times.
I got a promotion two years ago so it's a comfortable income if u live at home n have no kids n not married lol"
My friends commute 30 mins train ride away to London and the amount they had to pay for a travel pass was a whooping sum!!! However, it does save them a lot more)
Travelling into work 5 days a week is soo expensive. Annual pass gives u two months free and can commute off peak n at peak times.
I got a promotion two years ago so it's a comfortable income if u live at home n have no kids n not married lol"
My friends commute 30 mins train ride away to London and the amount they had to pay for a travel pass was a whooping sum!!! However, it does save them a lot more
)Thank you! ^^
LOL! That's what I'm saying Tiz. I can't believe a lying cheat is perceived as honest by her.
Signed Up: Mar 30, 2012
Comments: 1243 · Posts: 16617 · Topics: 170
Comments: 1243 · Posts: 16617 · Topics: 170
Sure, many women can be crazy, including other signs. I've just noticed that Libras (as well as many others that fall into the air sign category) are shining examples of the shitty stereotypes women get pegged with in the crazy department. Jealous, irrational, insecure, fake, catty, immature, and vindictive. I want to say I've seen this with Scorp and Leo women, but it seems to take them longer to get to this point. Air signs tend to get like this at the drop of a hat.
Estrogen just sucks like that.
Of course this isn't everyone in these categories. But it is a trend I have noticed with the ones who do. :/
Estrogen just sucks like that.
Of course this isn't everyone in these categories. But it is a trend I have noticed with the ones who do. :/
Lol.
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Ahhh the good memories...
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Ahhh the good memories...
Signed Up: Mar 30, 2012
Comments: 1243 · Posts: 16617 · Topics: 170
Comments: 1243 · Posts: 16617 · Topics: 170
Quit trying to fuck everything up with your OCD estrogen tendencies.
It's hitting south of Sweden hard tonight.
My favorite Cappie on youtube, here with her million dollar husband chasing their baby across their million dollar mansion....yeah right.
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@everevolvingepithet haha! Yessssss it issss. -_- dont know he does it but he does. Seen every inch and yet...still havent seen it all haha
@rabbit yesssss me too O_O thatsss like fasttt. Mine did too. As if too say: "here, this is my imperfect self, now i dont have to put in months of my trust and love in a person and get hurt. If you run now then i know you dont really care" maybeee something like that i guess??!
@rabbit yesssss me too O_O thatsss like fasttt. Mine did too. As if too say: "here, this is my imperfect self, now i dont have to put in months of my trust and love in a person and get hurt. If you run now then i know you dont really care" maybeee something like that i guess??!