Automate Your Finances to Spend Less Time Managing Your Accounts
Despite how simple the process can be, most of us are terrible at saving and paying bills. Here's a strategy to effectively automate most of your finances to keep you saving and out of late fee trouble.
Ramit Sethi of I Will Teach You To Be Rich.com has put together a system for managing your personal finances that only takes about an hour of your time each week. The video above fully explains the process in detail, but here's the gist. First, you want to set up your bills and other payments so they're all happening on the day you get your first paycheck of the month (the first of the month for most people). Once you have that in place, you want to set up automatic savings plans (Sethi suggests using Ing Direct) with sub-savings accounts that let you organize your savings into specific categories (vacation, wedding, etc.). You'll also want to send a percentage of your paycheck to your 401k, and have all of this happen immediately so that the money you see when you get paid is the money left when everything has already been saved. From there, you automatically pay as many bills as you can with your credit card (and then pay the credit card bill on pay day). For the bills you can't pay with your credit card (like rent, in most cases), you can use your online banking to automatically issue a check. This will leave a little money leftover in your checking account that you can use to budget for guilt-free spending and cash withdrawals.
As someone who's often fallen victim to the faults of automatic payments systems (despite frequently using them), definitely do not forget to stay on top of your bills nonetheless. Make sure you set some time aside at least once a month to do a little maintenance and make sure there are no bugs causing your automated finance system to break down. Sethi isn't suggesting a set-it-and-forget-it automated finance system by any means, but as someone who hates paying bills I know how easy it can be to procrastinate and ignore the task. If you set up a good automated system like this one, you'll be at a point where all you have to do is watch and fix the occasional problem as the most important things are being taken care of for you.
Hapa is fast becoming the norm, the days of backlash are long over, at least in Cali, and certainly in the LBC where i am from. Though from our embarrassment of a museum, LBMofA, you would never know. The Paramount/Artesia/Long Beach area is known as the most integrated in the country, and swirl kids like mine and many others are very common from many different ethnic backgrounds and cultures. Mine is white and black, he dates a blonde Columbian. My adopted is black with an Irish grandpa and mexican/white girlfriend in medical school, though you would never know except by his last name. Know kids who are Samoan/black, Philipino/Mexican. Black/Mexican, Mexican/PuertoRican, Cambodian/Indian, white and everyone else, Philipino/white like my cousins daughter. And of course we have that mutt Obama guy.
Sports have done the most to integrate our country, from Korean/Black like a SuperBowl MVP, to more mixed kids at our Poly HS, the most NFL players of any in history at going on 60, like Marcedes Lewis at Jacksonville Jaguars little brother and sister when mom married a white guy, she used to babysit for me. Landry Fields, Pac Ten scholar athlete of the year at Stanford now a starter for the Knicks grew up with us and also a swirl like my boy. Lots of swirl kids like Jason Kidd, Tony Parker, Jordan Farmar, the Lopex twins are never given a second glance.
The arts are way behind in this, as few have kids from being too selfish , and not very open to true world culture anyway, it is completely white again. With a few token Asian girls thrown in. only the rich and foolish can afford the useless art degrees, other ethnicities have better sense. Also, if not for the number of head NFL coaches in rustbelt cities a few years ago, Obama never would ahve won. It took white racists to see hardworking, responsible, intelligent black men to get over their prejudices. Pittsburgh, Indianapolis, Chicago, Cincinnati, Kansas City, and more have help slowly open the land to diversity, far more than the arts.
Its time to get back to early modernism, where all cultures had something to add, instead of the academic white bread nutritionless lily whiteness of today. Where did it go wrong? The Academies were resurrected from their deserved grave, time to storm the Bastilles of art, and free it for us all.
art collegia delenda est
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b> Noticias </ b> que nos perdimos weekNews último que no blog la semana pasada: El recién ordenado cardenal de Kinshasa, Laurent Monsegwo, llegó a Kinshasa desde Roma el miércoles con gran éxito enorme. Monsengwo es generalmente considerado como oposición a Kabila, pero rara vez se toma pública ...
<b> Noticias </ b> - Justin Bieber Cancela televisión alemana concierto tras Stunt sale mal <b> ...</ b> La cantante adolescente restos de su actuación después de que un hombre está gravemente herido en la popular serie Wetten Dass.
Rompiendo <b> Noticias </ b>: un gigantesco reloj solar Lazo ProminenceThe Observatorio de Dinámica Solar nunca deja de ofrecer imágenes absolutamente impresionante desde el Sol: de 18:49 UT hoy en día, la imagen de arriba es lo que el Sol parecía en el espectro ultravioleta. La importancia que está viendo en bucle ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Automate Your Finances to Spend Less Time Managing Your Accounts
Despite how simple the process can be, most of us are terrible at saving and paying bills. Here's a strategy to effectively automate most of your finances to keep you saving and out of late fee trouble.
Ramit Sethi of I Will Teach You To Be Rich.com has put together a system for managing your personal finances that only takes about an hour of your time each week. The video above fully explains the process in detail, but here's the gist. First, you want to set up your bills and other payments so they're all happening on the day you get your first paycheck of the month (the first of the month for most people). Once you have that in place, you want to set up automatic savings plans (Sethi suggests using Ing Direct) with sub-savings accounts that let you organize your savings into specific categories (vacation, wedding, etc.). You'll also want to send a percentage of your paycheck to your 401k, and have all of this happen immediately so that the money you see when you get paid is the money left when everything has already been saved. From there, you automatically pay as many bills as you can with your credit card (and then pay the credit card bill on pay day). For the bills you can't pay with your credit card (like rent, in most cases), you can use your online banking to automatically issue a check. This will leave a little money leftover in your checking account that you can use to budget for guilt-free spending and cash withdrawals.
As someone who's often fallen victim to the faults of automatic payments systems (despite frequently using them), definitely do not forget to stay on top of your bills nonetheless. Make sure you set some time aside at least once a month to do a little maintenance and make sure there are no bugs causing your automated finance system to break down. Sethi isn't suggesting a set-it-and-forget-it automated finance system by any means, but as someone who hates paying bills I know how easy it can be to procrastinate and ignore the task. If you set up a good automated system like this one, you'll be at a point where all you have to do is watch and fix the occasional problem as the most important things are being taken care of for you.
Hapa is fast becoming the norm, the days of backlash are long over, at least in Cali, and certainly in the LBC where i am from. Though from our embarrassment of a museum, LBMofA, you would never know. The Paramount/Artesia/Long Beach area is known as the most integrated in the country, and swirl kids like mine and many others are very common from many different ethnic backgrounds and cultures. Mine is white and black, he dates a blonde Columbian. My adopted is black with an Irish grandpa and mexican/white girlfriend in medical school, though you would never know except by his last name. Know kids who are Samoan/black, Philipino/Mexican. Black/Mexican, Mexican/PuertoRican, Cambodian/Indian, white and everyone else, Philipino/white like my cousins daughter. And of course we have that mutt Obama guy.
Sports have done the most to integrate our country, from Korean/Black like a SuperBowl MVP, to more mixed kids at our Poly HS, the most NFL players of any in history at going on 60, like Marcedes Lewis at Jacksonville Jaguars little brother and sister when mom married a white guy, she used to babysit for me. Landry Fields, Pac Ten scholar athlete of the year at Stanford now a starter for the Knicks grew up with us and also a swirl like my boy. Lots of swirl kids like Jason Kidd, Tony Parker, Jordan Farmar, the Lopex twins are never given a second glance.
The arts are way behind in this, as few have kids from being too selfish , and not very open to true world culture anyway, it is completely white again. With a few token Asian girls thrown in. only the rich and foolish can afford the useless art degrees, other ethnicities have better sense. Also, if not for the number of head NFL coaches in rustbelt cities a few years ago, Obama never would ahve won. It took white racists to see hardworking, responsible, intelligent black men to get over their prejudices. Pittsburgh, Indianapolis, Chicago, Cincinnati, Kansas City, and more have help slowly open the land to diversity, far more than the arts.
Its time to get back to early modernism, where all cultures had something to add, instead of the academic white bread nutritionless lily whiteness of today. Where did it go wrong? The Academies were resurrected from their deserved grave, time to storm the Bastilles of art, and free it for us all.
art collegia delenda est
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Automate Your Finances to Spend Less Time Managing Your Accounts
Despite how simple the process can be, most of us are terrible at saving and paying bills. Here's a strategy to effectively automate most of your finances to keep you saving and out of late fee trouble.
Ramit Sethi of I Will Teach You To Be Rich.com has put together a system for managing your personal finances that only takes about an hour of your time each week. The video above fully explains the process in detail, but here's the gist. First, you want to set up your bills and other payments so they're all happening on the day you get your first paycheck of the month (the first of the month for most people). Once you have that in place, you want to set up automatic savings plans (Sethi suggests using Ing Direct) with sub-savings accounts that let you organize your savings into specific categories (vacation, wedding, etc.). You'll also want to send a percentage of your paycheck to your 401k, and have all of this happen immediately so that the money you see when you get paid is the money left when everything has already been saved. From there, you automatically pay as many bills as you can with your credit card (and then pay the credit card bill on pay day). For the bills you can't pay with your credit card (like rent, in most cases), you can use your online banking to automatically issue a check. This will leave a little money leftover in your checking account that you can use to budget for guilt-free spending and cash withdrawals.
As someone who's often fallen victim to the faults of automatic payments systems (despite frequently using them), definitely do not forget to stay on top of your bills nonetheless. Make sure you set some time aside at least once a month to do a little maintenance and make sure there are no bugs causing your automated finance system to break down. Sethi isn't suggesting a set-it-and-forget-it automated finance system by any means, but as someone who hates paying bills I know how easy it can be to procrastinate and ignore the task. If you set up a good automated system like this one, you'll be at a point where all you have to do is watch and fix the occasional problem as the most important things are being taken care of for you.
Hapa is fast becoming the norm, the days of backlash are long over, at least in Cali, and certainly in the LBC where i am from. Though from our embarrassment of a museum, LBMofA, you would never know. The Paramount/Artesia/Long Beach area is known as the most integrated in the country, and swirl kids like mine and many others are very common from many different ethnic backgrounds and cultures. Mine is white and black, he dates a blonde Columbian. My adopted is black with an Irish grandpa and mexican/white girlfriend in medical school, though you would never know except by his last name. Know kids who are Samoan/black, Philipino/Mexican. Black/Mexican, Mexican/PuertoRican, Cambodian/Indian, white and everyone else, Philipino/white like my cousins daughter. And of course we have that mutt Obama guy.
Sports have done the most to integrate our country, from Korean/Black like a SuperBowl MVP, to more mixed kids at our Poly HS, the most NFL players of any in history at going on 60, like Marcedes Lewis at Jacksonville Jaguars little brother and sister when mom married a white guy, she used to babysit for me. Landry Fields, Pac Ten scholar athlete of the year at Stanford now a starter for the Knicks grew up with us and also a swirl like my boy. Lots of swirl kids like Jason Kidd, Tony Parker, Jordan Farmar, the Lopex twins are never given a second glance.
The arts are way behind in this, as few have kids from being too selfish , and not very open to true world culture anyway, it is completely white again. With a few token Asian girls thrown in. only the rich and foolish can afford the useless art degrees, other ethnicities have better sense. Also, if not for the number of head NFL coaches in rustbelt cities a few years ago, Obama never would ahve won. It took white racists to see hardworking, responsible, intelligent black men to get over their prejudices. Pittsburgh, Indianapolis, Chicago, Cincinnati, Kansas City, and more have help slowly open the land to diversity, far more than the arts.
Its time to get back to early modernism, where all cultures had something to add, instead of the academic white bread nutritionless lily whiteness of today. Where did it go wrong? The Academies were resurrected from their deserved grave, time to storm the Bastilles of art, and free it for us all.
art collegia delenda est
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
bench craft company rip off
Congo Siasa: <b>News</b> we missed last week
News I failed to blog on last week: The newly ordained cardinal of Kinshasa, Laurent Monsegwo, arrived in Kinshasa from Rome on Wednesday to huge acclaim. Monsengwo is usually considered to be opposed to Kabila, but rarely takes public ...
<b>News</b> - Justin Bieber Cancels German TV Gig After Stunt Goes Awry <b>...</b>
The teen singer scraps his performance after a man is severely injured on the popular series Wetten Dass.
Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence
The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...
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