The Chit Chat Chit Chat Thread

Gabe1

Ivory Tower Squabble EST 2011. WINDMILL SURVIVOR
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betty rose

Well-Known Member
My mom worked for years in a Savings and Loan and she was SOOOOO good with money. We were poor, but we always had what we needed and she was an expert at making the dollars stretch. She always taught me to always pay for things outright if possible. It's the payments that build up and kill you, and of course then if something happens to your income, you're in trouble. So she said to save up until you have enough to just buy it instead of making payments. Also, never "rent to own" because you end up paying twice as much. And she told me when I was in college, credit card companies prey on college students...they send tons of offers for pre-approved cards, but they have high interest rates. So she said accept ONE card....use it once a year to buy something you'd have to get anyway...like groceries, or text books. Then pay it off immediately so you don't have to pay interest. But that's how you build credit, and eventually, those interest rates go down and your credit line goes up. Then you have it for emergencies...like you are on a road trip and get a flat tire and the towing company won't accept a check and you haven't got enough cash. Or, you want to reserve a hotel room and need a card. So I now have perfect credit. My brother did pretty much the opposite and would have had to declare bankruptcy at 25 if my dad hadn't bailed him out, and even with that, he wasn't allowed to have a credit card for like...15 years? I feel bad for people who didn't have my mom to teach them all those financial tips!
Our family was very frugal with money, "a penny earned is a penny saved". Hubby learned good money habits from his Mom too. We have always saved for a rainy day. That's how hubby was able to retire early.
 

betty rose

Well-Known Member
I can't believe I missed all these amazing pictures. Thanks so much for posting. We love wineries. (Can you imagine? ;) ) We are always going to Long Island Wine Country, and because I am inspired by your shots, here are a few of my own:
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Fish and Sips at Long Island Aquarium just outside of Wine Country - why am I holding two wine glasses? Ohhh, at this point, why do you ask? ;)

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Here is Phil the next day. It looks like he made a purchase!

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Look! Phil found another winery!

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I think this is actually at some winery in Washington State.

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And so is this. Honey wine? Yes, it was as sweet as it sounds. And Pooh was not there.

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Also in Washington. I don't know how I climbed my stubby little legs up on that barrel, and someone needs to tell me not to wear horizontal stripes.

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I think I posted this one before - it's at Martha Clara Vineyard on Long Island - and on this very day, Phil got talked into joining a wine club.

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Here is Phil at his favorite vineyard - the Old Field in the East End of Long Island, and after he finishes drinking, he's going to go bust a few ghosts.

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And one last one - here's me getting jiggy with it at a vineyard somewhere in California. Not Napa. Not Sonoma. It was like an hour from Disneyland. And lots of fun. ;)
Love your pictures, you and Phil always looks like you are having so much fun.
 

Figgy1

Well-Known Member
Good morning to everyone. Guess who turned 68 today? Yup, I'm another year older, to bad I'm not another year wiser. We are going to the spring fling at youngest grandson' school tonight. The 4, 5, and 6 grades, are singing followed by a art show. Should be fun. The youngest loves to perform. :joyfull:
Sounds like a wonderful time is going to be had by all! Have lots of fun!
 

Gabe1

Ivory Tower Squabble EST 2011. WINDMILL SURVIVOR
Good morning to everyone. Guess who turned 68 today? Yup, I'm another year older, to bad I'm not another year wiser. We are going to the spring fling at youngest grandson' school tonight. The 4, 5, and 6 grades, are singing followed by a art show. Should be fun. The youngest loves to perform. :joyfull:

I miss the Spring Events of Elementary/Middle School. We combo'd open house, Art Show and Choral Concert. All the rest of the Stuff that went along with kids in school I don't miss, don't miss at all. We are not far from the Primary Building. I always try to take Walt for a walk on the First Day of School during the arrival time. The little girls look so cute and the little boys seem so happy to be with their guy friends. That building is KPrep through 2nd grade so generally the only kids that are at all jaded is the 2nd graders. Those littles ones are so dang cute with their new shoes and backpacks that go down to their knees. Too funny.
 

betty rose

Well-Known Member
I finally get a day to myself today with just a minimum of things to get done and I really need it!!!!!!!!! My dh and I wound up out all day yesterday and didn't get home until almost 7:eek::eek::eek: At least it was shorter than most of our Disney days but nowhere as much fun. We spent the whole day shopping and did come home in a different car than we left out in. I bought groceries and a skirt on sale cheaper than I could make it in a tropical print. Gee I wonder where I might wind up wearing that LOL My dh spent quite a bit more:rolleyes: his allowance between now and the trip gas and maybe $1 a week if he's good:D There's a reason he brought me, he'd pay the price on the sticker and I never pay retail! Ever!!!!!! It was almost funny when we went to the bank to get the check the person we delt with asked how we got the price we did, at least my dh gave me all the credit for the deal. I also made all the arrangements for our trip:) BTW md dh got exactly what he wanted make, model, features, color and much, much less than what he figured he'd pay. Hw owes me big time:D:D:D
I see some nice things for your home, from Disney, along with clothing!;););)
 

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