deactivated1484545980DTessStevens
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9 Ways To Survive Being Broke

It's not easy to make money and keep it, and in your early twenties, when you're working for lower salaries and paying off college debts...net worth can be non-existent. Have no fear, because there are a few ways you can survive being broke, and even have a little fun too.

1. Get a mobile banking app

Okay, this may seem like a nightmare, but always knowing how much money you have will come in handy It'll save you those inevitable, embarrassing "I'm sorry your card was declined" conversations, and it'll make you more aware of your current money situation.

2. Calculate how much you can spend per/day to stay above water.

For instance:
If I have 400 dollars in my bank account (after transportation, utilities, rent etc...) for living expenses to last three weeks, divide 400 by 14 to get 19.4, which means, by averaging things out you have around 20 dollars/day to spend before you run out of money.
It's bringing consciousness to your spending, and can help when things get really tight.

3. When at the grocery store, never buy name brand anything.

This is an extreme tactic, but it will cut your grocery bill by at least 20 dollars, just because you're going generic. Things like peanut butter, bread and juice can be spared. If you can't tell the difference, why not save the money?
You can splurge for things you really love, but if you can ditch the name brand stuff, your wallet will thank you.

4. Challenge yourself to not to spend money at all.

I did this for a while in college and it ended up saving me a lot! When things got tight, I'd give myself a little tally mark in my agenda for every day I didn't spend any money. It helps with progress and gives you a physical track to follow your habits.
If you haven't guessed, lots of these tips are just based on consciousness of how much money you actually have.

5. Know when things are priced at their lowest, and NEVER pay full price for anything.

You can google what stores put what things on sale, and when. So when you plan a big shopping trip where you have to buy an entire wardrobe for like...200 dollars, check out where you are going, and when the big sales are.
If you get suckered into paying full price for something while you're feeling a little more wealthy, you'll pay for it later if you're broke, so always be conscious of if a purchase is realistically in your budget.

6. Avoid credit cards like the plague.

If you're broke, applying for a credit card will be tempting, I'm sure you're like "Oh! They gave me a 500 dollar limit? I'll just make my purchases with that, and worry about it later."

Don't.

You'll end up paying 3 times as much because you'll run them up and never pay them. If you're broke, you don't have enough money to deal with fees and hassles, so just save yoruself the trouble and tough it out.

7. Evaluate what you really need, and what you can live without.

Do you really need Starbucks today? Do you really need that candy bar?
We make innocuous purchases that end up seeming pretty useless after we're left without enough money to live off of. If we calculate one 5 dollar cup of coffee per every work day (or god for bid two), we end up spending 25 dollars / week ON COFFEE ALONE.
That's a lot!
So just by putting things into perspective, you can really start to save yourself money, and also survive!

8. Happy Hour Only

Buying drinks adds up. You can spend 50 or more in one sitting without realizing it. In order to avoid this, hit up a happy hour, where things are half priced. If that's not in the works, then you definitely need to buy your own alcohol, and drink at home before going out. Or...stop drinking and just save the money.
It's not as fun, but being broke never is!

9. Long term: figure out what your money habits are, where you fail at saving, and put better choices in motion to conserve for the future!

We don't always keep track of our money, spend it wisely or have the jobs to support the lifestyles we want, but with a little consciousness, some faith and some discipline we can put the steps into place to get better at the money thing!
Also, remember, money isn't everything. You can have fun for free doing lots of things, so look up free events in your city and have a ball. Keeping it together is all about perspective.
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I think the fact that I'm treating it like a debit card and not taking advantage of the line of credit is what makes it okay!! Hahah. Hopefully I can be responsible with it... O.o @TessStevens
@DannyFerarra thank you!
you're the best
@allischaff I'm a shopaholic so...I gotta stay away! Lol but I'm sure you'll be fine!
Thank you @allischaaff I'm glad you found it helpful. Credit cards are awesome when you're responsible!! I am not, lol. Hahha
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Lắp đặt camera quan sát TPHCM Hiện nay, việc lắp đặt camera quan sát trở nên ngày càng phổ biến hơn hết do các hãng cải tiến công nghệ và quy trình giúp cho giá cả phù hợp hơn với người tiêu dùng nhưng vẫn đảm bảo đầy đủ các tính năng và chất lượng tốt nhất. Hệ thống camera quan sát ngày càng chứng tỏ được tầm quan trọng trong cuộc sống khi giúp cải thiện đáng kể vấn nạn trộm cắp tại TPHCM. Đã có rất nhiều sự vụ xấu, tội phạm bị phát hiện và tố giác thông qua các bằng chứng được ghi nhận bởi hệ thống camera quan sát. Tuy nhiên, hiện nay trên thị tường có rất nhiều loại camera quan sát khác nhau khiến cho người tiêu dùng bối rối. Thậm chí hàng nhái, hàng giả, hàng kém chất lượng làm giống hàng chính hãng đến 90% với sự đa dạng về mẫu mã, linh động về giá cả và đặc biệt nguy hiểm hơn là sự phong phú cả về chủng loại. Hàng nhái, hàng giả, hàng kém chất lượng không những gây thiệt hại về kinh tế cho quý khách hàng mà còn ảnh hưởng nghiêm trọng đến sức khoẻ do linh kiện rẻ tiền dễ gây cháy nổ. Vậy nên mua camera quan sát ở đâu để không mua nhầm hàng nhái, hàng giả, hàng kém chất lượng? CÔNG TY LẮP ĐẶT CAMERA QUAN SÁT GIÁ RẺ, UY TÍN TẠI TPHCM. Hãy đến với hệ thống lắp đặt camera quan sát của chúng tôi. Với nhiều năm hoạt động trong lĩnh vực an ninh và viễn thông mạng, bao gồm hệ thống nhiều chi nhánh, cửa hàng trải khắp TP. Hồ Chí Minh cùng đội ngũ kỹ thuật viên hùng hậu, giàu kinh nghiệm sẵn sàng đáp ứng mọi nhu cầu của Quý khách. Đến với COB CAMERA chúng tôi cam kết: – TƯ VẤN – KHẢO SÁT – BÁO GIÁ TẬN NƠI hoàn toàn miễn phí; – Cung cấp các sản phẩm chính hãng của các hãng hàng đầu thế giới như Hikvision, HiLook, Ezviz, Panasonic, Samsung, Dahua,… Đặc biệt chúng tôi nói không với hàng giả, hàng nhái nếu phát hiện hàng giả, hàng nhái Quý Khách sẽ được hoàn tiền gấp đôi; – Miễn phí trọn đời tên miền xem qua điện thoại, máy tính bảng…; – Bảo hành 1 đổi 1 (áp dụng đối với tất cả các chi nhánh của COB CAMERA) – Miễn phí thi công, đảm bảo tính thẩm mỹ cao; – Bảo hành nhanh chóng, tận tình khi nhận được thông báo của Quý khách hàng. DỊCH VỤ LẮP ĐẶT CAMERA QUAN SÁT GIÁ RẺ, UY TÍN TẠI TPHCM. Hiện nay COB CAMERA là công ty lắp đặt camera quan sát quận Thủ Đức uy tín, chất lượng được người tiêu dùng bình chọn, chúng tôi cung cấp các gói dịch vụ lắp đặt camera quan sát TPHCM đa dạng như: Lắp đặt camera quan sát cho trường học, nhà sách. Lắp đặt camera quan sát tại ngân hàng. Lắp đặt camera cho nhà hàng, khách sạn. Lắp đặt camera cho đèn giao thông, khu phố. Lắp đặt camera quan sát cho chuỗi siêu thị, chuỗi cửa hàng, showoom. Lắp đặt camera cho văn phòng công ty. Lắp đặt camera quan sát cho công trường, căn hộ, biệt thự. Lắp đặt camera quan sát cho hộ gia đình. Lắp đặt camera cho bãi giữ xe, kho bãi, nhà xưởng, tiệm vàng, hiệu thuốc. Lắp đặt camera quan sát kho xưởng, công ty,… Chúng tôi xin gửi tới Quý Khách hàng một số hình ảnh thi công thực tế lắp đặt camera quan sát tại TPHCM để Quý Khách hàng tiện tham khảo: Để biết thêm chi tiết, Quý Khách hàng có thể liên hệ trực tiếp với COB CAMERA theo thông tin sau đây: HỆ THỐNG CHI NHÁNH COB CAMERA: CN1: 1097 HẬU GIANG, P. 11, QUẬN 6 CN2: 713 TỈNH LỘ 10, P. BÌNH TRỊ ĐÔNG B, Q. BÌNH TÂN CN3: F1/20A HƯƠNG LỘ 2, P.BÌNH TRỊ ĐÔNG A, Q. BÌNH TÂN CN4: 822/58C HƯƠNG LỘ 2, P. BÌNH TRỊ ĐÔNG A, Q. BÌNH TÂN Hotline: 0934.984.505 – 0923.678.998 – 0768.907.907 Email: cobvietnam@gmail.com Website: www.cob.com.vn – www.cobcamera.vn Fanpage: https://cob.com.vn/lap-dat-camera-quan-sat-tai-tphcm/
Tậu chung cư Vinhomes Ocean Park ngay hôm nay để nhận ô tô Vinfast
Vào ngày 23/12 mới đây, Vingroup đã bất thần đưa ra thông tin tặng xe khá Vinfast cho các ai tậu căn cửa hàng tại Dự án chung cư cao cấp Vinhomes Ocean Park. Đây cũng đang là đề tài sốt dẻo được bàn tán suốt những ngày qua. Tham khảo mạng phường hội của chúng tôi: https://www.pearltrees.com/bdsmyhomes/item282779959 Đại tỉnh thành Vinhomes Ocean Park Chính sách tặng xe khá Theo thông tin chính thức đưa ra trong khoảng Vingroup, bắt đầu từ 23/1/2020, rất nhiều khách tậu căn cửa hàng tại Vinhomes Ocean Park sẽ được tặng một dòng ô tô Vinfast Fadil thời thượng trị giá 395 triệu đồng (chưa nói thuế và các khoản phí). Để nhận được ưu đãi này, người dùng chỉ cần ký kết giao kèo và công nhận trả tiền đúng theo quy định đã đặt ra của bên bán. Sau lúc hoàn thành mọi hồ sơ, người mua sở hữu thể ngay lập tức nhận nhà và xe hơi. trị giá quà tặng này nhận được không được quy đổi thành tiền hoặc những hiện vật khác. khách hàng mua 1 căn shop thương nghiệp sẽ được nhận ngay một mẫu Vinfast Fadil đứng tên khách. khách hàng tìm sở hữu số lượng to (từ hai căn trở lên) sẽ được nhận hai mẫu Vinfast Fadil: 1 mẫu đứng tên khách và loại còn lại khách hàng có quyền chuyển nhượng theo quy định, ký hợp đồng của 2 bên. Cận cảnh ô tô Vinfast Fadil Ngoài hình thức nhận ngay Vinfast Fadil, người mua cũng với thể chọn lọc một hình thức nhận quà khác đó là một voucher giảm giá 350 triệu đồng (tương đương gía trị xe Fadil) lúc mua bất cứ sản phẩm Vinfast nào tại Showroom. Lưu ý: Voucher sẽ chỉ được vận dụng 1 lần duy nhất, với một hóa đơn, không thể chia nhỏ trị giá. khách hàng có thể chuyển nhượng voucher cho tư nhân khác ví như muốn bên cạnh đó việc chuyển nhượng Voucher phải tuân thủ những quy định của Vinfast. Đây chẳng hề là lần “chơi lớn” đầu tiên của tập đoàn Vingroup. Chỉ trước đó ít ngày, Vingroup đã gây chấn động khi quyết định tặng điện thoại Vsmart cho những cư dân đang sở hữu căn hộ tại những Dự án bất động sản Vinhomes. khuyến mại này ứng dụng cho phần nhiều các người mua đã có trước đó hoặc đã ký kết hợp đồng mua căn hộ trước ngày 20/12/2019. Tổng số lượng điện thoại được tặng trong dịp giảm giá này ước tính lên tới hàng trăm ngàn loại. Vào đây để xem thông tin: https://bds.myhomes.com.vn/vinhomes-ocean-park/ Chính sách mua Vinhomes Ocean Park ngày nay, Vinhomes vẫn đang khai triển phổ quát hạn mức giảm giá cũng như những chính sách trả tiền hết sức lôi cuốn tương trợ người dùng mua căn hộ tại Vinhomes Ocean Park. Cụ thể: sở hữu người dùng mua căn hộ bằng vốn tự có: thời cơ nhận % chiết khấu cao, cộng phổ biến phần quà khác. mang người mua mua căn hộ qua hình thức trả góp: thời cơ nhận chiết khấu giá bán qua vay nhà băng trả ngay, cơ hội hỗ trợ vay ko lãi suất trong thời hạn nhất thiết. ​ Vinhomes Ocean Park đang từng bước được hoàn thiện Đại thành phố Vinhomes Ocean Park đang từng ngày được hoàn thiện. dự kiến Công trình này sẽ chính thức khánh thành chỉ trong một vài tháng nữa. như vậy là không còn quá nhiều thời gian để các bạn có dịp với căn hộ chung cư cao cấp tại đây mang chi phí quyến rũ. đặc biệt chính sách quà tặng là mang giới hạn. cho nên hãy nhanh chân để ko bỏ lỡ thời cơ đáng giá. Để biết thêm nhiều thông tin bổ ích liên quan người mua vui lòng truy nã cập website của chúng tôi hoặc liên hệ ngay sở hữu chúng tôi qua Hotline 0879.67.0879 để được tương trợ nhanh nhất. Đọc thêm thông tin chi tiết tại đây nhé: https://bds.myhomes.com.vn/