Informasi dari @saverindo 12 November 2018
Bagi para calon pendaki gunung Semeru, yang untuk mengurus surat keterangan sehat di " Medical ceck " di Ranupani sementara waktu tidak bisa melayani pendaki sampai batas waktu yang belum di tentukan. Untuk sementara pengurusan surat keterangan sehat bisa dilakukan di puskesmas, klinik, balai pengobatan di luar Ranupani, tetep H-1, dan hari H pendakian.
Demikian informasi kami dapat sampaikan mohon diperhatikan....
Pict : @saverindo
Thank you to @manildradistillery for my gift pack and a $25.00 fuel voucher to try out their e10 fuel. I have to admit I’m very uneducated when it comes to fuel and the economy so with their handy info book that came with their gorgeous cookies with be awesome to sit down with a cuppa and read what e10 is all about. Anyone else use e10? What are your thoughts? #budgetmumma#fuel#e10#saver#giftpack#economy
Что ж, проходила я эту игру своими силами, без кодов. Сказать, что я полностью погрузилась в атмосферу - не сказать ничего. Прохождение длилось достаточно долго (около двух месяцев), т.к. надоел тетрис. Но вскоре я заставила себя всё-таки узнать концовку, ведь много времени и сил было в это вложено.
Что говоря о сюжете, он действительно захватывает. Устрашающие фото и реалистичные диалоги, звонки в настоящем мессенджере, но от этого очень отвлекает тетрис. Но без него, возможно, было бы не так интересно и игра превратилась бы в скучную книгу.
Ну, думаю, как вы поняли, я в восторге. Если вы проходили игру и у вас открылась более трагичная концовка, отпишитесь, будет интересно узнать.
I am a natural saver. I wouldn’t have gone on this shopping trip yesterday, if we hadn’t budgeted for it, and I couldn’t pay for it in cash.
My hubby is a natural spender. He loves spending money on stuff, whether he needs or wants it. Being financial opposites keeps things interesting, but also keeps things fairly balanced, between paying off debts and saving, and still having fun one in awhile.
So I’m just curious about all of you. Are you the saver or the spender? (No judgement, either way!)
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We do not follow the typical free spirit/nerd, saver/spender combination that is found in many couples.
For years, neither of us really cared to be the anal, spreadsheet, numbers person when it came to money. Can you see how this can become a problem? “You do it. That’s ok, you can do it. No thanks, you do it. Nah, you can do it. I’m not doin’ it....” And then NOBODY does it. 🤣
The only saving grace is that fortunately, neither of us are big spenders or shoppers. Can you imagine what our money mess would have been if we were both free spirits and spenders?! 😳 I’m pretty sure our debt load would have been at least triple what it was.
Thankfully, when we found @daveramsey and read the #totalmoneymakeover book, we were both at a place where we knew our way of “not handling” money wasn’t working for us. I felt way more anxiety and fear than he did and it bothered me most, so I was more than happy to learn how to be the nerd in our relationship. 🤓 I’ve gotten better at the nerd duty, but it definitely is not my natural default mode. I think that’s why I like using @everydollar for our budget. It’s visual and doesn’t remind me of a spreadsheet. 😂
I guess I post this just to show you that it can be done. You can figure out how to do what doesn’t come naturally. And you’ll do it well enough to get to your end goal.
TECHNICALLY I am doing this whole paying off debt thing on my own, but I am in a committed relationship and at plan on getting engaged and married before next school year begins. I've seen these posts floating around and when I saw this Bitmoji I knew I had to make my own.
I am the nerd and saver. B is the spender. I help him make meaningful choices with his money and he reminds me that it's okay to spend money sometimes. We already know I will be in charge of our finances when we finally combine them once we're married. B is usually in the mindset of "I can always make more money" but he is 100% on board with being debt free and living the #creditfree life.
We laughed, we cried, we talked about our journeys and where we want to go next. There are others who attended but not in the picture. Thanks so much for coming today! ♥️♥️♥️ Also thank you to my friend who donated the conference space so we don't have to sit in the cold 🤣
From left to right: the couple behind @financiallyfedup, @debtfreesaf, @mrs.fiscallyresponsible (all the way from NJ), me, @all_about_the.benjamins, @fitfundfly
I treated myself this month, and plan to again next month.
I hadn't bought myself anything in such a long time, and was itching to get a new coat and boots, so I did!! Which is why my mid month spend is higher than normal.
I also had a 10p off a litre for fuel at Tesco that I used to top up - I didn't need to fill up this month, but won't fill up until January now.
For those taking part in the #30dayresetwithsmc challenge you know that your No Spend Challenge is coming up, you can use this image to track yourself!! If you want to join the reset emails learn more about how to successfully no spend, click the link in my bio.
WHY do I want you to do a no spend challenge now?
♥️ question why ANY holiday is tied to shopping. Especially a holiday that is supposed to be about being grateful for what you already have
♥️ the greater the temptation, the greater the spend. If you can resist this week, you have the ability to resist most weeks of the year
♥️ if you buy something that's a deal you didn't save money. You still spent money. The greatest deal on earth is not buying something at all
♥️ retailers design their marketing during Black Friday to get you hooked for the rest of the year. Do those email sign up and credit card deals look irresistible? That's the point! I know this because I worked for retailers for years
♥️ Children don't need stuff, they need your time and love. Don't teach them now that love = getting stuff. You know yourself as an adult that it doesn't work that way
♥️ stores are crowded and not fun. Stay home and have quality time together
Who's in??? Save this picture, share your progress, use the #30dayresetwithsmc tag and @ me!
I am a SPENDER but also the nerd. Just like @daveramsey himself. 😆 Lucky for me I married an ultra frugal (by nature) man. He “rolls over” at least some of his fun money literally every month. Meanwhile, mine’s all gone! But I’m also the budgeter, the couponer, the deal finder, the account checker, the planner and basically the CFO of our family. @conrad_inspire inspired post.
Also, this canoe pic could totally be a metaphor for that relationship, I go on ahead, get anxious about our steering, say we need to row one way or the other, but the steering / power is mostly done in the back. Without being on the same page and working as a team, we’d never have been this successful on our #debtfreejourney ...
P.S. if you’re wondering we actually haven’t technically moved our money to the E-fund to finish BS3 because we’ve been busy cooking and baking for our Friendsgiving, but we’ll get it today or tomorrow.