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Why gold?

The old age, why buy gold.

 

I was not going to buy gold, I was going to buy property.  I am still saving for that one.  That in itself is part of the issue.  To get property, the kind of property I would need would be an investment property something I could possibly use in my twilight years.  So I would minimum need $40,00o plus expenses.  I have owned many houses.  I know property like any other investment can be good and bad.  Try selling your house in a housing crash and see how you like it, thats what I did.  (It sucked actually)

There are many ways to get into investing in some way , I still need my business and I still need my car.  Plus my car I know is worth not alot.  It is true once you drive off the yard, half its value is gone.

I have somewhere to live.  A place to live is not my object (not yet) to getting a property at this stage of my life.  It is to have something for retirement.

This is what I wanted out of an investment.

  • Easy to do
  • Something I can do now.
  • I can start saving for it now
  • It will never depreciate
  • Gold Ticks all the boxes.
  • I can cash in anytime for real money.

 

Believe me you can loose money in Realestate and it is actually fun to do Gold.  It is actually doing ok.  I have something aside now for my families future, besides my cash savings.  To me it makes sense.  I still want a piece of land but I know that that will have to be a long term goal, right now gold I can do now and perhaps with its values I can buy a house later with my gold.

 

Here is why Gold Saving is crucial.  Here is my Friend Brian with his Review and it maybe of interest to you.

 

If you want more information please email me at LisaLomas2009 at gmail.com

I can send you something to watch and you can see how easy it is.  No hard sell, no pushy tactics, its just basic sense.

 

The postings on this site are my personal opinions and do not represent the positions, strategies and opinions  of Karatbars International GmbH.


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What is frugal living?

Frugal living is simplifying ones finances to the basics.  I am not talking living off the land in alaska basic, I am talking New Zealand normal living but actually making some cuts that can make a difference to life.  Maybe getting a desk at a op shop instead of a brand new one.  Maybe even something I need but shopping around.  Price spy is great.  I run a business so its great when you make savings.  It all adds up.

Here are some simple ways that I save money!

  • Save the money instead of a loan  ( I did this with my last car).

What does saving mean?  It means you are stuck with the old car with this sort of saving for longer than you want.  However it means when you have the money, you have paid it in full and are not paying any extra stupid rates to get the car.  I have had some times where I needed a car and I had to hire purchase, but I looked at how much I saved buy not having a loan, and it comes down to thousands.   I was really proud of my sister recently.  She got a insurance payout and it was not as much as she thought, but she looked at what she could get for what she had and she found a really cool little car.  It was no sports car but that car is still going and her costs are minimal.  So long as a car is reliable and gets the job done sometimes you just do not have to get the flashest car.

  • Grow my own Greens

Not essential but I would save about $20 a week on Greens.  My mum and I share a garden and I always have fresh lettuce, greens, something to cook that is organic and delicious and we have all our own herbs.  Have you seen how much herbs cost?  It is not hard to grow any of this.  We live in New Zealand.  We go to a garden centre often or a garden area at a diy shop and get cheap pre-grown plants.  In a few weeks you have greens that last for weeks.  Right now we have chives, parsely, lettuce, kale, mint, beetroot, brocoli, basil, cougettes ($5.00 kg) and silverbeet which if I buy it I end up wasting it because you have to buy such a big bunch and my kids do not like silverbeet.  So for me picking just what I need is better for my life.  I am the only one that eats cougettes, so we give some away but still cheaper than buying.

  • Shop at local Orchards

This is magical.  You get fresh delicious fruit that is grown right where you go and it just tastes better.  I got a great deal yesterday at our local Farmers Market.  Mush rooms for $3.50 the same packet $5.99 at New World right now.  A bag of apples 5kg, $5.00.  Right now cheapest apples at New World are $3.99.    For me thats good savings.

I am going to share more ideas along the way.  It maybe something you can use through your life.  If something I share is of value or you resonate with it please let me know, I love a good chat on good living.

 

 


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Recycling is not hard

I am what I thought was a okay recycler, I am though finding my standards are higher than many.

I get annoyed if someone puts plastic in the paper slot, or if a tin is not washed out.  I personally think recycling is not hard, it is an easy way to contribute to society and our community.  I like to think the paper gets recycled, the glass and tin does also.  What really peeves me off in no uncertain means is Rubbish carriers that actually put it all together and have a lapse, not giving a flying razoo what gets done to it.

I keep it simple at home, I have a recyling bin and a rubbish bin.  At my place of business, I have a paper wheely bin and a mixed glass, tin and plastic bin,  This is separate from normal rubbish.  It may not seem like much however to someone like myself even if I am slightly deluded I believe it has more chance of being recycled.

Are we not told that such and such a product was made with recycled paper.  We see that in stores and think we are doing good buying recycled paper and then recycling again.  Personally I go for paper bags if I get a choice.  I would go so far as to say  I would pay for that choice.

We all know we live in a throw away society, what is the harm of fixing something if we can?  I was told recently I needed a new fridge.  I said simply it only needs new seals, it does not need to be a new fridge, its a good size for my family still and it is working.  If it stopped working you would see another story with that, probably how I managed to find the most energy efficient one.  (jokes).  But that is why I am writing about it.  Why because their is one thing wrong with something do we throw it away?

Where I live, everyone has a recycling bin and rubbish bags.  Its simple yet I think its a good start.  I am going to share uses for recyling here on this blog as I think it is good to raise awareness on how it can really spread.

I have to give top marks to my mum this year.  We have had a drought, so mum in her wisdom looked online and made a self watering system with a plastic bottle.  I was so happy that this was done, what a cool idea.  So simple and it saves watering time, just things like this make my day now.  How about you?  What have you loved seeing innovative?

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My forum

This is my place to share what I am passionate about.  I have so many interests online, I either do it for others or myself and sometimes you need somewhere you can write about anything you are really wanting to write about this is mine.

I want to share my growth as a human being, stories I find amusing, investments I have made, life changes and things that have affected me strongly.  I am the sort of person that is no super star writer but I do like writing.  I enjoy it and it gives me a place.

 

Mostly what I want to share is my eco thoughts, frugal life skills that can help people getting on their feet or just tips I found useful along the way.  So if you like what you read subscribe if you feel hte same way, share that and tell me and if you think I am an utter idiot please tell me that too.

I am frank, honest and have my own perspective on life, thanks for joining my journey of life.


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About Lisa

I could be sitting down in a condo while I write this on my blog or even on a cruise boat writing away sharing my life.  But I have to say and be honest, nothing quite that grand.  I actually was a Tom boy growing up.  No fancy ribbons for me.

The true story: I am running my business, in New Zealand, on a doomy wet misrable day.  Finding my sanity between each key I type.

If your here, you want to know my story.  So I will give you a skimmed copy.

Married, 2 sons, have an offline business that merges with online.  In my past I have been a cleaner, typist, accounts person, child caregiver, project manager (did not work out at all), cafe assistant, waitress, housecleaner, bakery assistant, lunchbar assistant,  business owner to date is where I am up to. I have done a few courses and university cluster courses which where very interesting. The funny things that life has taught me, I like who I am and all my experiences brought me here, where I am content.  My mother refers to me as the jack of all trades master of none, however I wanted to have something to master.  I have mastered Social media and Entreprenuership.  Yes I have mastered these ones, but I never stop learning.

2008 was my year to really really find the internet, that was the year I did a social media course and come out of 2,000 people the top 10 in this group.  It was alot of hard work.  Coming out of this, I become known as a person you can ask a question about online bits and I would know what direction to go.  More up to date, social media and web presence.

Nowdays, I am a behind the scenes person.  Marketing is something I really enjoy.  I enjoy tourism, anything to do with tourism I tend to magnetize to nowdays.  I also like saving, getting asset rich so I can be ready for retirement.  I am enjoying saving gold also.  Its boring but something very true, everyone needs a retirement plan.

 


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