Comments on: 19 Ways Laziness is Costing You Money

By: Mitch Mitchell

Mitch Mitchell — Sat, 04 Feb 2012 03:17:54 +0000

Wow, I hadn’t thought about these behaviors as being lazy before, but it kind of makes sense. You didn’t mention these but there’s two I always forget. One, I’m bad at mailing in rebates. Two, I’m bad at coming home from a restaurant and filling out that online survey which either earns me free stuff or enters me in a contest. On those two I guess I am fairly lazy, especially since they’re relatively easy to do.

By: dontgothere

dontgothere — Thu, 05 Jan 2012 02:37:15 +0000

4.Tax Refunds that People Don’t Claim – It’s amazing how some people don’t file taxes even though they can get a refund while others don’t even cash their checks. Filing taxes isn’t that hard so just get it done already.

Well first of all, if they are not filing taxes, they WILL end up going to jail so i have no sympathy there. Second of all, if they don’t want to cash that check, then give it to me as I will DEFINITELY cash that check. Again NO sympathy there.

By: Kyle

Kyle — Mon, 24 Oct 2011 04:44:36 +0000

Credit cards are like dynamite to a quarry man. If he uses too much, he blows himself up. If he don’t use enough, he won’t get the job done.
Banks love to give free stuff including money to those who DON’T need it.

I’m a real estate investor who self taught myself. I have 85 major credit cards & not 1 has an annal fee. However, I do have several that I must use x amount of times per year or they will charge a annal fee.

In addition to this I have not been charge 1 cent for interest in over 15 yrs. I can borrow up to $270,000 interest free for 30 days anytime I want simply by taking in all my credit cards & getting a 30 day interest free cash advance.

Now if I don’t pay x amount back in the 30 days, well then there is interest. So I always make sure they are paid at least 1 week before the due date.

Because my credit rating is so good a handful of my cards are constantly offering me 6 month 0% interest. I could easily roll a balance from 1 card where the 6 months was about to expire to another 1 & start the 6 months all over again. I could do this indefinitely.

Another perk I get is the credit card company’s give me a free hotel room about 4-6x’s a year. Good anywhere in the US & almost all if not all major cities included. They give me a choice of a number of quality hotels to pick from. They just give them to me randomly & they are 100% free except the tip for room service. I think each card does it randomly so it works out that out of the 85 cards I have I get between 4-6 a year total.

So this is how I make my $$$. I find a property that is being foreclosed. When I find a good 1 I haggle the price down as low as I can with the banks. (Generally 60%-70% of what they have listed. Never even 90%.) When we agree on a price which is always significantly lower than what the bank has listed I ask them how much more they will reduce it if I pay cash today?

This almost always gives me an additional 10% -15% off what we just agreed on.

I then go to a bank & pull out my credit cards & get the 30 day interest free signature loan & make the purchase.

From there I go to my bank & tell them I own a property (“free & clear” which it is) worth x amount (the banks listing price) & I tell them I want a 30 yr. mortgage for (amount I now owe credit cards + whatever I figure I’ll need to make complete & total repairs 100%.) This amount is always a fraction of the value of the property.

It takes the bank about a week to 10 days to issue me the loan at which time I pay off all the credit cards & hire all the contractors to get all the work done immediately.

Then I either sell it or rent it.

E-Z MONEY!

By: Kyle

Kyle — Mon, 24 Oct 2011 03:56:41 +0000

Alternative to e-bay & all those fees mentioned could be Craigslist. I never used e-bay, but used Craigslist many times for both buying & selling & it is totally free.

By: Ruth

Ruth — Mon, 17 Oct 2011 05:14:12 +0000

I look at the big pic. If I want to buy a coke at lunch or my meal if I do that everyday what would that cost me per month or year and it really makes u think when you see it in large numbers. At least it does me.

By: Ruth

Ruth — Mon, 17 Oct 2011 05:09:52 +0000

I double the meals as it takes the same amount of gas or electricity to cook two (2) meatloaves or what ever you cook. Then I freeze one….. if you have one of those seal a meal or what ever they are called you can seal them without any freezer burn. In fact my sister did some cooking just like that on a much bigger scale for a reunion we had this year. I am reaping the benifits of this as she knew we were in need of Gro. and not feeling good from hospital stay. She cooked hamberger meat , chicken and broth, hot tamalies, and brisket. We have been eating on this for several months as I can take each meat and use in a dish of our choice. That has been a BLESSING from God and I praise him everyday for those blessing.

By: Ruth

Ruth — Mon, 17 Oct 2011 04:56:49 +0000

U know we give our time to the church not because we have to but because we want to. That is doing something for the Lord. With all he did for us how could I complain about money and time I spent in making the Lords house look nice, I have helped mow the lawn just so our pastor would not have to. Some pastors like ours works at another Job as the church is not big enough to support him. He has even paid the Insurance on the church building himself because we had spent the money helping others. God will bless him I know. I really feel that we should give 10% of our time as well as that of what we earn. I feel bad that I do not give more time to God’s work even tho I know that he will bless me. Sorry that this is so long but I truly believe God’s work is the most important thing we could ever do even if it is cleaning the bathrooms or mowing the lawn. He gave his ONLY SON so that I might live how many of you would give your child in that manner. Not me so I Praise God for what he did and I want to do all I can to help God’s work. Thanks for reading.

By: supervisor training

supervisor training — Tue, 30 Aug 2011 14:45:47 +0000

These are great tips! Many of these suggestions could be applied to everyday life as well as running a business. Thanks for sharing!

By: Louis

Louis — Sun, 14 Aug 2011 11:36:45 +0000

I completely agree with this article. I use a money spending iphone app now (there’s several available – I use Spenz) and it really makes me aware of the ‘little’ spends here and there that add up. I also try and use my debit card wherever possible so I can always track my spending at the end of each month.

By: ImJuniperNow

ImJuniperNow — Sat, 13 Aug 2011 14:51:49 +0000

I’m also assuming Tom doesn’t actually get paid $320 an hour and he has no one else who could make him lunch.

Oh, and paralegals don’t order lunch. That would make a dent in their $125/hour billng rate. Receptionists are usually stuck with that glamorous task.