prosper.com

you too can become a money-lender

i don't think i would ever try this
as a way to make money
but it's an interesting concept anyway.

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bargello hotpants

remember bargello needlepoint designs
from the early 70's????

yes, but did you ever see HOTPANTS made with bargello?

....

resize me

easy way to resize photos
that you want to email or upload.

doing it the old-fashioned way
takes so  much time.

cut in half

Could you survive on half your current monthly income?

It's a good exercise to do even if you are not actively trying to save money.

Suppose you suddenly became unemployed or disabled and your income was instantly cut in half?

Would you lose your home, or if you live in a rented home or apartment, would you have to move to a cheaper one?

If you own a car, would you lose that?

It's a good way to look at how much we spend on things that are really luxuries or entertainment anyway, and see whether we could still keep a roof over our heads and food in the cupboard if our income was cut in half.

Later... I did the execise and it looks like we would be OK on half - able to cover just the basic bills -  rent, food, gas and electric, phone, public transportation, internet, minimum payments on credit cards, laundry, and even our cable TV bill and have 22 bucks left over for fun!  We could not buy any new clothes, however - but we hate buying new clothes anyway.  So it was a reassuring exercise for me. :)

For the present anyway - but I worry about when we are retired and our income drops but our expenses keep increasing.  If that happens, it would make for a depressing retirement, without being able to travel at all or have much fun. 

.........

living wage

george will is indeed wrong

about what labor is.

but that's not exactly surprising, is it?