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Joanne Heim

Joanne Heim

Author of Living Simply: Choosing Less in a World of More

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Gary Foreman

Editor and publisher of The Dollar Stretcher Newsletter

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Melissa Tosetti

Editor and publisher of Budget Savvy magazine

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Tips

Where Did All My Money Go?

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It’s the question of the month (or—for many—of the last few years): “Where did my paycheck go?” Even when you take out taxes, the amount of money you make probably seems like it should stretch a lot further than it does. But at the end of every pay period, your account balance dwindles, your bills pile high and your anxiety level hits the roof. Where did it all go?

Today, stick an index card in your wallet and jot down every purchase you make. We mean every purchase—from the pack of gum at the convenience store to the sandwich you picked up for lunch to the drinks you grabbed with friends after work. Continue doing this for one week, add it all up, then tack 25% of your monthly bills to the total. This number is your weekly spending estimate, and it will erase any doubts as to whether there’s really a hole in your billfold.

Be sure to hold on to this information—you’ll need it when you design your budget. But don’t wait to start being frugal. Find small ways you can save money now.

BONUS TIP: Empty your car trunk. The more your car weighs, the more gas it requires to drive around.

Posted: 12/1/20
julicad111

Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
Testimony:
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.

twiladennis

I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.

nicdave111

Sometime late September last year, I needed help for a bring back love spell after reading great reviews on Dr. Wakina and his love spell. I had a situation which I desperately needed a supernatural help on, every physical efforts made to rescue my husband has always failed. My husband stopped loving and caring for me and our children after 7 years of happy home. He did so much wrong to me, I encountered so many domestic violence from him, he turned into a professional liar, and the worst of all, and he started using drugs and alcohol. I couldn’t bear his torture anymore when he wanted a divorce. I couldn’t afford to lose my husband to a strange spirit, I knew him to be a loving man before we got married, but I didn’t know what came over him.
Doctor Wakina love spell was so great and powerful, my estranged husband’s attitude and urge for evil changed just after 8 days of the completion of the love spell. The reasons why I can recommend Dr. Wakina to anyone are, his love spell is real and it works, Doctor wakina don’t cast love spell that is against anyone’s wish and his love spell lasts for eternity. I have been observing my husband’s behavior for more than 9 months, he is still the same, he has never stopped loving me again, the love keep growing each day and we keep prospering with the blessings that follows Doctor Wakina’s love spell. That’s the reason why I can recommend him to anyone event to my worst enemy… to email him via dr.wakinalovetemple@gmail.com

levybal22

I do write everything down as I spend my money everyday. I have a ledger and have had to gather up the energy to commit to this. Evenso I forget to enter some items. These pop up on my ledger online and I marvel at this..I feel I go into a black out with money at times...odd..