Happy Christmas! Wishing you good luck and joy! Don’t worry, be happy!

My Un-Wish List

While people are publishing Wish lists, I’ve decided to place my Un-Wish list.
So, here is the list of things I do not want to get on Christmas:
1. Fragrance. (I hate when somebody gives me perfume. I like to buy it myself.)
2. Make-up. (The same.)
3. Cooking books (I do NOT like cooking. Why to give me such books?! They do not inspire me to bake or something like that.)
4. Jewelry. (I am NOT a fan of jewelry. I know, it is stylish to wear necklaces, bracelets, and fashionable earrings, but… I’m fond of watch. Watch is my passion:))
So, that is the list. Not long, yeah? There are so many things left anyone can give me on Christmas! Hope, my close people will read this post and I will be pleased with every Christmas gift:))

Came across a funny post http://www.furiousfrank.com/humor/woman-are-clever.htm
Yeah, we, women, often make silly mistakes. But stlill, like any woman I think that women are wiser (not clever but WISER). Hope, you understand what I mean:))

Christmas! It is a wonderful time! Have you seen Love Actually? Great movie! It is the best film for Christmas time! It fully captures the Christmas mood. But what is a Christmas mood? I think, Christmas is the time when everyone is looking forward for changes, for a wonder. It is time when people are striving to fall in love. I‘m looking for the same. Hope, this year my dreams come true.

Being Thrifty

The crisis makes us cut down expenses. The latest researches show, that being thrifty turns out to be a hard task for lots of people. The thing is human expenses have grown up much for the latest decade. People (all over the world) lost the ability to economize.

Check out your month expenses and you will see how much money you waste every month. I believe, there are people who are able to live thrifty but they are really few in number.

I admit - I am a spendthrift. I’ve written down all my expenses for two last weeks. I realized – I waste money. I buy lots of useless things. All my attempts to cut down the expenses failed. And now I’m looking for ways to become economical , for the ways that really works. If I do not start save today, I’m afraid, I will have no money to buy Christmas gifts for my close people.

My 16-years old niece is a Justin Timberlake fan. She buys his albums, concert DVDs, and never misses a show when he takes a part in it. The walls in her room are covered with his posters. All she is dreaming about is to visit Justin’s show, meet him. He is Everything for her. All her life. (at least, she says so)

No doubt, everyone has ever see fans on a show: they cry and tears are running when they see their Idol. But I never understand fans. Girl-fans always say they are in love with this or that singer/actor. They are dreaming about him. But is it really possible to love a person you never meet, you never talk to? What it is like to love a Dream?

Big Shopping Time

December and November is big shopping time. Everyone is looking for Christmas gifts for close people. So, I’m going to check my credit report. I want to learn my FICO score before to apply for a cash back credit card.

I do love shopping for gifts. I can spend hours in stores to find something special for my friend and relatives. The only thing that keeps me from shopping now is my budget. Unfortunately, I do not have enough cash for presents. So, I will have to buy things on my credit card. But all these rates, fees and so on make me mad. I want to enjoy shopping but not calculate how much I overpay every time I buy anything.

I'm Starting Life Without Cable TV

I’ve decided try to live without cable TV. I calculated my expenses and realized that I spent too much last month. So, I’m going to do my best to cut the domestic expenses. My friend advised me to turn off the cable TV, she convinced me that it is a waste of money.
Well, I calculated how much time I spend in front of TV and how many cable channels I watch. Guess what? I hardly watch half of cable channels, I watch only five, in particular. Besides, I am not a person who spends hours in front of TV. I often have to stay at work late and I try to go to a gym two/three times a week. So, I really rare watch TV at all. Next month I’m going to start my life without cable TV, hope it will help me to save money.

Dating Sites

Have you ever visited Dating sites? I decided to try. Frankly speaking, my friend told me into this. Well, I’ve gotten many messages. But, unfortunately, they are all stupid, nothing special. I think, most of the people on such websites are freaks. I don’t understand, how adequate people manage to find a match there!

My cousin met her husband on one of such sites. She says, she met a lot of interesting people in the Internet. But I haven’t seen any interesting person on the dating site I visited. Maybe, I was expecting too much? Or, it is me who is not adequate? Who knows….

Looking for a New Handbag

Decided to buy a new hand bag. I want something oversized (to take all the things I need). I dropped in several stores, but failed to find the thing I want. The bags I like either too expensive, or the color is not the one I’m looking for. I also browsed the E-bay. Found nothing except this one. So, I decided to wait till Christmas discounts. Maybe, then I will buy something I really like and will save some bags.

Bad Loses

Today everyone is speaking about the financial crisis. Lots of people lose their money and get into big debt. Yesterday, I saw the list of former millionaires and billionaires who lost great money on the stock market. Just think, Daniel H. Mudd had $26,5 mil., now his fortune is only $ 476,000. Of course, he is still rich, but think, how much he lost! I’m happy I had and have no shares. I can’t even imagine, what I would do if I lost the biggest part of my savings. Oh, this crisis brought lots of problems and loses.

Get Out Of Debt

Lots of people are in debt now. Do you want to get rid of debt and take your finances under control? Check your credit cards. How many cards do you have? Most of Americans have from 5 to 10 credit cards. Think, do you really need so many credit cards? Every credit card means an amount of debt, so if you want to get out of debt, get rid of useless credit cards. Ponder your preferences and financial habits. Cancel the accounts you do not use. Well, it can affect your credit score to some points, but still you will gain more than lose.

If you want to get rid of your credit card at all, you will have to pay your debt in full. It can be a hard task due to heavy interest rates. Transfer your debt onto a card with lower APR, thus you will save on interest charges and get rid of debt faster. Check balance transfer cards at MegaCredit.com. Find a deal that will let you start a new life without debt.

Bad Mood

It is raining all the way today… I love rain, but not when it is autumn. I love summer rains: fast and warm. But autumn rains are always so sad: it seems the rain is going last forever. I think the best way to spend a rainy day is stay at home, read a book or watch DVDs. But not to work! I hate to be in the office when it is raining. I always feel sleepy and cannot concentrate on the business. Today is a rainy day and I have to be in the office…

Bruce, I'm Disapointed with You

Bruce Willis is one of my favorite actors. I adore him since childhood. I’ve always thought he has a good style and though he is 53 now he is still good looking and attractive. At least, he has tried. But look at this picture! It is awful! This white bear! He is like a weak old man with two granddaughters (though one is his daughter and the second is his young girlfriend). What has happened with him? He is dating a young beautiful woman but looks like an old men, but not like an attractive man. I’m disappointed…

It Is High Time to Start Saving for Christmas

I dropped into a department store today. They sell Christmas presents already! Though Halloween is coming, lots of stores start selling Christmas-tree decorations.

I’ve checked my budget and decided, October is high time to start saving for Christmas presents if I want to give something to all my friends and relatives. This week my friend has a birthday, so I’m going to start saving from the next week.