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Below are the 19 most recent journal entries recorded in ymoyl's LiveJournal:

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Sunday, June 12th, 2016
8:17 am
Знакомства в интернете
знакомства в интернетезнакомства в интернете

на сайте не публикуются проститутки альметьевска
все песни битлз оу, дарлинг mp3 слушайте онлайн на сайте ololo.fm (234 песни). сохраняйте ссылки на своей странице в социальных сетях! на сайте ololo доступны музыка, песни и mp3.
сайт знакомств с дамами : живое общение с реальными людьми со всего мира дополнительное описание: табор ру знакомства вход, познакомлюсь для мастурбации
лучшие сайты знакомства на сервисе топ знакомств
пара би ищет мужчину би благовещенск — юнона
сервис знакомств edarling объявил о запуске новой версии своего ресурса с более удобным интерфейсом и новыми функциями. в отличие от традиционных сайтов знакомств, edarling создан для тех, кто ищет серьезные отношения, хочет

тутла чат знакомств общения бесплатные знакомства без регистрации
Saturday, June 11th, 2016
6:47 am
Фото регистрации сайте знакомств
фото регистрации сайте знакомствфото регистрации сайте знакомств

пресс-служба гу мвд региона, 24 апреля в саратовскую полицию обратился 25-летний житель ростова-на-дону. avito, авито, аферист, мвд, мошенничество, раки.
ул. сельскохозяйственная, 17, корп.5
бесплатные объявления авито самара «знакомства» (avito). бесплатные объявления из рук в руки знакомства самара.
что бы разместить свою анкету в раздел знакомства липецк необходимо зарегистрироваться. это абсолютно бесплатно.
выпущено: ссср, ленфильм продолжительность: 01:07:36 перевод: оригинал. скачать шерлок холмс и доктор ватсон: знакомство бесплатно. файл формат: avi качество: dvdrip размер: 848 мб.
форумы. lesbi: лесби-знакомства предложения о встречах и поисках партнерши. bbs: тв, кино, театры, клубы поделитесь впечатлениями о событиях москвы и
гораздо проще воспользоваться нашим сайтом, и рейтинг фильмов легко расскажет вам о том, что же выбирает российская аудитория.
ссылки на страницу содержат: на странице я тут сегодня.
"редакции мамба" или "редакция mamba"), раздающих этот скрипт знакомств бесплатно или появилась мобильная версия скрипта знакомств!
галактика знакомств старая версия. по-моему, дуглас не был особенно зрелым, — бросила алекс, приветственно поднимая свою чашку.
теги: взлом лотереи, взлом лотереи в galaxy, взлом лотереи в гале, взлом лотереи в галактике

бодр знакомства бесплатные знакомства секса без регистрации бесплатно
Thursday, August 23rd, 2012
9:46 pm
Смотреть Петля времени

смотреть Петля времени | скачать фильмы через бесплатно | Петля времени торрент | торрент фильм Петля времени | фильмы скачать бесплатно бесплатная регистрация

6:48 am
Monday, July 30th, 2012
4:30 pm
Страпон знакомства казань blogs

страпон знакомства казань blogs
вячеслав знакомства москва
знакомства медведей москва

Знакомства для виртуального секса без регистрации Секс знакомства с телефонными номерами без регистрации Сайт знакомств мамба пермь Знакомства с богатыми мужчинами Секс знакомства в воронеже без регистрации без смс Знакомства с замужними для секса без регистрации в сочи Бесплатные секс знакомства в курске без смс и регистрации
Tuesday, January 1st, 2008
9:06 pm
The beginning of a new year has gotten me energized and excited again about YMOYL. I'm going to start tracking my spending again and working on my wall charts. I fell off the wagon years ago, but a lot of the goals I made back then stayed with me and I've been very slowly  thinking about and moving toward FI..

 At this point, I am cautiously optimistic (and quietly ecstatic) that as of May 1st of this year, I will be completely out of debt!   (Assuming nothing else goes wrong anytime soon...). I'm going to then work on that gap between income and expenditures and try to increase it as much as possible.

So my financial New Year's Resolutions are:

1. Get out of debt
2. Track spending
3. Track income from investments (rearrange investments)
4. Sell gazingus pins on eBay or CraigsList
5. Reduce expenditures by 20%

What about the rest of you? Do you have new goals for this year?

Current Mood: enthusiastic
Wednesday, June 14th, 2006
1:19 pm
Widening the gap between expenditure and income
Hi all,

My husband and I have been tracking ou expenditure and income, and we're doing really well. I just thought I'd post to let people know that EXCEL works really well, both for budgeting and for making graphs to track expenditure and income. We're finding it a very useful tool, to make sure that we're not only living well within our meas, but that the gap between expenditure and income is growing nicely.

Our short-term goal? To reach a gap of 30% by the end of the year (taxable income). I reckon we can do it, and I'll let everyone know when we get there on a regular basis :-)

Our mid-term goal? Paying off a large mortgage before our son starts school! He's 19 months now, and we're working as well as we can to be totally mortgage-free by the time he's 6.

Our long-term goal? To leave a small footprint on the earth (we're vegan greenies), and teaching our son that life is about good health, happiness and loving others, not about who has what and how much we can take and grab.
Wednesday, May 31st, 2006
9:42 am
Going 'Gazingus-free' :-)
My husband and I are selling all our gazingus-pins!

Most of our are in the form of books, but I also have a lot of perfumes and bone china knick-knacks. So we've done an audit, and we're selling them all online!

So far, we've managed to pay almost all our living expenses for the last few weeks without having to use our income from the bank.

It's a win-win situation - we're claring the clutter (which feels great!), and saving money, and recouping some of the money we wasted on the gazingus-pins in the first place.

We're intending to be 'gazingus-free' by the end of the year!
Tuesday, May 30th, 2006
7:52 pm
Working through YMOYL
My husband and I are working through the book, and we're finding it incredibly useful.

Its a slow process, but the main thing about the book is that it's showing us what we want to head towards. We've found the tracking useful, and now we're starting to work together to understand what is important to each other in termsof what we each consider to be good value for our dollars.

I think we're probably looking at six months (at least!) before we've really got the full benefit of the book ingrained into habit, but we're getting there. We're also staring to get our wall charts up. I'm not sure we're ready for public display yet, but give us a few months and we might be!

How are other people finding the book?

Perhaps one of the most useful things is the whole 'gazingus pin' thing. Now, when I get the urge to buy something useless, I just think "Is this a gazingus pin?", and then laugh, because the answer is almost always YES! It enables me not to feel angry about the waste I had in the past when it came to money, but the humour of the situation, and so it's not so depressing. Because I have wasted hundreds of thousands of dollars in my career. I'm sure of it. And I'm only 35. But on the bright side, at least I discovered this book now, and not when I'm 45!

Anyway, let's et this community moving, and start talking about this AMAZING book!!!
Thursday, March 23rd, 2006
6:23 pm
anyone there?
I just found this community and was SO EXCITED but then saw that it hasn't been posted to for about a year. Is anyone there? I have so many questions about YMOYL. Bought the book in December and basically want people to tell me what I want to hear: that it IS doable (not what I'm getting from most friends, family, etc.). What successes have you had?
Friday, August 12th, 2005
5:50 pm
I am on my way to having my own business. I will sell little handmade things.
Does anyone have any suggestions on where I can get the cheapest yarn? Since I will be making some clothing and accessories, I will need perhaps a larger quantity. $2 a ball of yarn is probably not cheap enough. I'm not sure. Any tips will be good!
Friday, February 11th, 2005
7:19 pm

Greetings, my name is James and I've been doing this program for about 18 months. I'm a student at the art institute of atlanta. I've found that this program has realy helped me to live within a student's income and be able to do this without deprivation. I have a nice wallchart in my bedroom and I'd say that the income line is above the expense line about 80% of the time. There are two annoying gaps were I got lazy and didn't track income and spending. I've resisted the urge to "guesstimate" and fill them in. I figure it will help me to be more diligent in the future. The good news is that I'm debt free and have 6 months worth of living expenses in the bank. Soon I'll start investing. The only place I don't agree with the program is the step that says to invest your long term savings in government bonds. That may be fine to some, but I'm going to invest in index funds like the S&P 500 (SPY) for a better long term return. I will invest in things like bond funds for things I'm saving for in the next say 1 to 5 years, but anything longer than that I believe in using a passively managed stock index fund.

fool.com's fools school has more info about this if you're interested.

Anyway if you've read this far thanks and I welcome feedback.


Sunday, July 11th, 2004
12:39 pm
Hey folks,

I was just wondering, how do you all keep track of spending? I've been using paper, but I'm attempting to switch to Excel. I don't like Quicken, we've tried that for years and it always loses data and manages to crash our computer.
Sunday, June 20th, 2004
11:33 am
Hey folks. I'm new to the group. I got the book for YMOYL several years ago, and thought it sounded amazing, but never really started the steps until last month. Now we're almost done with a month's worth of counting every penny, and it's pretty amazing. I'm really looking forward to building my wall chart this week. Have you all discovered simpleliving.net?
Monday, June 7th, 2004
5:01 pm
online study group
Hello everyone,

I just created ymoylstudygroup as a place to work through the study guide online.

Anyone interested is welcome to join.

Sunday, January 18th, 2004
7:22 pm
Good Budgeting Software
In December of 2003 I went to a money seminar and met a Russian immigrant who had written a budget planning software program that she said was a lot better than Quickbooks. Quickbooks really is a good accounting program, not a good budgeting and expense tracking program.

I downloaded her program http://www.mybudgetplanner.com/ for $20.00 and began using it to plan a monthly budget and track my expenses. It's a pretty good budgeting and expense tracking program. It's not an accounting program at all. You can't use it to balance your checkbook.

Having said that I like it and I do recommend it. It's easy to set up your budget and track your expenses. If you are looking for a simple, low cost budgeting and expense tracking program, this one is easy to use.
Wednesday, November 12th, 2003
9:01 am
hello again
so the question was asked, what have i done so far towards FI?Collapse )

Current Mood: awake
Tuesday, November 11th, 2003
10:14 pm
new member!
heya! i was looking around tonight for frugality-related communities, not really believing that anyone would have started a community about the ymoyl book. lo and behold, here you are -- and if this hadn't been here, i'd have probably begun a ymoyl community myself!

i guess i might as well show my butt on my very first post, however, and warn you that i took the authors of the book to be environmentalists, and that i sympathize with much of the environmentalist movement. (note i said "much," not "all.") including parts of it which don't exactly advocate leaving the fate of the planet up to the free market. which could be problematic, seeing as how there are at least three members here who don't like that sort of outlook.

i don't plan on talking about the environment a whole heck of a lot here, if at all, but just the same i'm hoping that a wide variety of perspectives are welcome here. if not, i might as well know now so i can go somewhere more accomodating and so that y'all aren't bothered overly much.

other than that, thanks to the moderator for starting this thing! :o)
Friday, June 20th, 2003
11:21 am
An appetite for frugality
Someone from the The Retire Early Homepage board on Fool.com posted this article. It's an interesting read.

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