Разходи по колата – колко реално ви струва автомобилът?

По моите консервативни (т.е. занижени) сметки , колата ви струва минимум 50лв на месец. Дори без да я карате - ей така, само да стои пред блока. Ето моят списък с основни разходи по автомобила: -- гражданска отговорност (задължителна застраховка) - средно 150лв годишно или лв на месец -- данък автомобили - средно 150лв годишно или = лв на месец -- винетка - годишната е 67лв или = лв на месец. -- годишен технически преглед (задължителен) 40лв или = лв на месец -- смяна на маслото (60лв, мин. 2 пъти годишно) = 120лв или = 10лв на месец -- зимни гуми (2 х 120лв) = 240лв или = 20лв на месец -- автомивка поне 1-2 пъти месечно = 10лв на месец -- паркинг = 10лв на месец ОБЩО: 85лв на месец Разбира се, при вас може примерно застраховката да е по-евтина или данъкът ви да не е толкова висок. Може да не пътувате извън града и съответно да не купувате винетка. Може сами да си чистите колата. Но каквото и да правите, мисля, че не можете да смъкнете основните разходи по поддръжка на автомобила под 50лв на месец. Допълнителни разходи по колата, които не са толкова регулярни: -- смяна на…
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5 tips: How to get my husband to stop spending so much money

Okay, it bugs me. It bugs me when I try to save us money and next thing I see, my husband is wasting money on stuff we don’t need. Honey, I love you, but we have to do something about that spending.   Money-management tip #1: You can’t change your husband overnight   Sometimes us women go into preparation overdrive: we read 21 565 articles online, prepare pink budget lists, and even organize the cash in our wallet to face in one direction. And just when you’re ready to power up the savings engine… you find your husband’s foot is on the brake.   While it’s actually possible to change your husband’s habits somewhat, that will take you A LOT, and I mean A LOT, of time. People don’t change overnight. And men don’t like being told what to do. (I once tried telling one of my ex-s how to open a can of tomato sauce after watching him struggle for five minutes. Sometimes I think that incident was part of the reason why we broke up.)   Trying to inflict change by force (read: nagging) will only get you into arguing and fighting. So it’s not wise to use nagging as your immediate course of action. If…
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Money or family?

Mom came for a visit today! Yaaaay! We took a long walk, sat down for coffee and A LOT. Me with some of the dancers at a Christmas partyMom and dad started a dance school back in 1994. I've been a dancer since day 1, starting when I was only ten years old. Mom and dad worked together until 2010 when dad passed away. That's when I left the big city and came back home to live with mom. I started helping out at the dance school. At first I only taught dance class two nights a week, but then quickly moved up to five nights a week, then more. I also had a full-time job. I left for work at eight in the morning, got off work at five-thirty, and turned the music on at the dance hall at six. We'd finish at seven and I'd be home by seven-thirty - unless of course I was doing two groups that night. And if there was a dance contest or other event coming soon, I got even busier. (more…)
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Life is unfair – but you can still win. Change your luck!

Fortuna - the Roman goddess of Fortune. She's blindfolded. Imagine this: you're patiently waiting in line, and waiting, and waiting, and just when it is finally your turn, someone jumps the line and takes the last item right under your nose. Imagine that: there's an opening for a promotion at work. You're the most experienced person for the job, you've always done your best, and you've helped bail the team out more than once. When HR does the annual appraisals, you always get great reviews. The boss even gives you a pat on the back and hints that you'll be up for promotion the first chance they get. So now that there IS a vacancy, you have all the reason to believe it's gonna be you. But at the next staff meeting, they announce that the promotion goes Jane. Jane who is always late, who has less experience than you, and can't even do Excel. Well sh*t. (more…)
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Money and positive thinking: here’s what you have to do

My husband says there were two books that changed his life: "The Secret" and Mind Power Into the 21st Century: Techniques to Harness the Astounding Powers of Thought. Both books are about positive thinking. They teach the importance of thinking good thoughts, and also claim that you can have anything you want. YOU CAN HAVE ANYTHING YOU WANT When people read "The Secret" and get to "you can have anything you want," many people think "WHAT?! Anyone can have anything they want?! Bullshit!" This kind of answer is the wrong one, folks, (more…)
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My New Year’s resolutions: no resolutions, no budget

Happy new year, everyone! :) Hope you had a great time saying buh-bye to 2013 and welcoming 2014. 2013 was a great year for our family and I was kind of sad to see it go. But hey, 2014's gonna bring us our baby, so YEAH! ROCK ON! :) And now, on with the first post for 2014. Enjoy! I stopped keeping a budget. Budgets are for newbies. When you are just starting to use a budget, it helps you see more clearly. You write down things you may otherwise forget. All of this helps you when you feel overwhelmed. Budgets are good for people who are just getting to know their personal finances. But over time, you get used to the routine activities of managing your money: pay bills first, keep spending down, pump up your savings account. Watch out for those irregular expenses like taxes in April, gift money for Christmas, and paying the car insurance. Yaaaaaaaaaawwwwwwn. Trust me, once you've done this for a couple of months, you'll be able to do it in your sleep. (more…)
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Merry Christmas 2013!

Hey everyone, 'tis that time of year again - shopping for presents, buying giftwrap and greeting getting creative with finding places to hide gifts until the big night! We get to spend some happy, happy days with our family, so we'd better enjoy every minute of it! May you have a warm, blessed Christmas and a very happy New Year! See you in 2014! ;) Rya PS: And if you want something to read in the mean time, check all the stories in the Archive! :)
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Rich, poor: Why the poor are screwed

Image: This truth is self-evident: it sucks to be poor. I mean, it sucks so obviously that even the kids know it. I've felt poor many times in my life. When I was little and I desperately wanted a Barbie. When I was graduating high-school and didn't want to go to prom because dressing up would be too expensive. When I was in university and only came home once in 6 weeks because that's how long I needed to save for the train. When my dad died and I had all this debt to pay back. (more…)
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