Every spending style has its own unique strengths, says financial expert Jordan Goodman, author of Master Your Money Type. So you don't need to change the essence of who you are in order to become a good money manager. Instead, build on your strengths and avoid pitfalls by developing your understanding of yourself and your spending personality.
Start by taking our quiz. It's designed to be fun, but you'll get some helpful tips, too!
1. Your child's bedroom can best be described as:
A. Brimming with toys, books, and clothes. It's pretty packed, but I love buying things for my child.
B. Clean and well-organized. It's a place for my child to sleep, store things, and enjoy a few toys or books.
C. A real mix. There are some treasures — and some junk.
D. Kind of empty. We haven't bought much furniture, but there's plenty of room for dancing and art projects.
E. Well-suited to my child. It has toys, books, durable furniture, and some open space for playing and relaxing.
2. As you unfold a diaper, out flutters a sheet of paper saying, "Congratulations! You've won our $10,000 prize giveaway!" How will you spend it?
A. We'll go on some wild adventures that the kids will always remember, like riding in a hot air balloon. I'll use any leftover money for furniture, clothes, toys, and other fun stuff.
B. I'll put it right into my nest egg.
C. I'll pay off all the debt I can, starting with my credit cards, and try to resist spending any of it on myself.
D. I'll put it in my checking account and use it for living expenses.
E. I'll put half into an investment fund. We'll do something special (like a trip or a major purchase) with the other half.
3. How often do you splurge on yourself?
A. Pretty often. I don't want to be a self-denying martyr mom. But I get stuff for my family, too!
B. I'm not sure—do tampons, toilet paper, and toothpaste count?
C. I try not to. But sometimes I see something I just can't resist — even if I can't really afford it.
D. Not very often. But when I do buy something for myself, I shop quickly and get the first one I like.
E. Occasional, reasonable splurging is a good thing. I'm just careful not to go overboard.
4. Do you ever hide your spending from your spouse or partner?
A. Sometimes, but I'm not always good at it — and we've argued about how much I spend.
B. No, in fact I'm proud to show off how little I usually spend.
C. Yes, and I feel really guilty about it.
D. Not on purpose — but sometimes I forget to mention big purchases.
E. No, we're up front with each other about our spending.
5. How do you feel about credit cards?
A. I love them — in fact, I can get a high from charging things. But I try to pay at least the minimum every month.
B. I don't like to charge things — it stresses me out. But I have a few cards for emergencies and travel.
C. I try not to use them, but occasionally I use a card for impulse buying.
D. Cards are easier than always having cash on hand. I'm not great at paying attention to the interest rates, though, and sometimes I forget to keep up with the bills.
E. They can be a useful tool. I use cards when it makes sense to, and I usually pay off the balance every month.
6. It's Moms' Night Out! You and your friends have a great time drinking margaritas and trading stories about tantrums, head lice, and interrupted sleep. Then the bill arrives. What do you do?
A. Plunk down my card and say, "It's on me!" I figure I probably owe them all favors anyway.
B. Pull out my calculator, figure out my portion, add tip and tax, and put the exact amount on the table.
C. Last time I just threw in a $20, knowing it was more than I owed. So this time I pay a dollar or two less than my share.
D. I offer to put it all on my card and have the others pay me back in cash. I let them figure it all out.
E. I approximate my share, overestimating a bit so we don't come up short.
7. Where do you buy toys, clothes, and gear for your kids?
A. Only the best for my babes! I'm a sucker for top-end stores and brands, but I also get great deals online.
B. Kid stuff is overpriced. I'd rather buy things used or get hand-me-downs. When I have to buy something new, I spend a lot of time comparing costs so I can get the best deal.
C. It depends — sometimes I spend way too much at the mall, so I try to balance it out by hitting yard sales.
D. The kids' needs sneak up on me. Who knew feet could grow so fast? I usually buy stuff in a crunch, just popping by the nearest store when we have a moment.
E. I buy some things full-price, but also shop online and look for used stuff and hand-me-downs. I do some cost-comparing for larger purchases and try and plan ahead so I can take advantage of sales and deals.
8. How balanced is your checkbook?
A. I try to balance it regularly, but sometimes I pay with my debit card and forget to write it down. So my checkbook numbers don't always add up.
B. I balance my checkbook to the penny, and I often check it against my bank account's online service to make sure it's accurate.
C. I try to catch up whenever I can get to it. Unfortunately, there are some gaps.
D. Oh, that checkbook. It's in a drawer somewhere ...
E. I keep track of checks and debit card purchases. It's not accurate to the penny, but it's good enough. I check it against my monthly bank statement.
9. Your child is turning 3 — tell us about the birthday party!
A. I invite everyone, rent a moonbounce, and get lots of great food. We have a fantastic time, but later I realize I spent a ton of money on a party my child probably won't remember.
B. I create a strict party budget and refuse to go over, even though it means I can't include my nephew. The party is fun, manageable, and inexpensive, but later I realize my sister is no longer speaking to me.
C. My child really wants a moonbounce, but I economize with a cheap, just-as-fun game of Twister instead. To cushion the blow, I order a custom flamingo-shaped cake. Everyone has fun, but later I realize that I didn't really come out that far ahead.
D. I plan a dance party and tell our friends about it. The day of the party, I run to the closest store for supplies. I overbuy because I'm not sure how many are coming. Everyone has a blast, but later I realize I have 50 expensive favors left over and no one had anything to drink.
E. I create invites with an early RSVP date, so if anyone declines, we can ask people from the "B" list. I rent a moonbounce but explain to my child that this means the cake, food, and party favors will be homemade. The party is a success, and my child enjoys helping with the preparations.
10. Your child has to sell calendars to help fund an overnight class trip. How do you react?
A. I buy most of them. I always need calendars, and plus, I can give them out as gifts. I also buy a few from his friends. Why not? It's for a good cause.
B. I help him come up with a budget, and we figure out exactly how many calendars he needs to sell in order to go on the trip.
C. I encourage him to sell as many as he can, but I have a sinking feeling that I'll end up buying a lot of them right before the deadline.
D. I buy one from him just to be nice, but I leave everything else up to him. I figure it's his situation to deal with.
E. I buy one calendar. Then he and I sit down together and I help him develop his own plan for selling more.
11. Your friend's toddler is wearing the cutest little boots — deep purple suede with red tassels. What do you do?
A. My toddler already has those boots in green. But now that I see that gorgeous purple, I may need to buy those too.
B. I resist the urge. Those boots must cost a fortune, and they'll be outgrown in a month!
C. I immediately ask where she bought them, so I can get some too.
D. I think my child would enjoy a pair, but I doubt I'll have time to find them. They're probably only available at boutiques or something.
E. If there's room in our budget, maybe we'll take the plunge.
12. What gives you the biggest rush?
A. Bidding on an incredibly expensive Swedish highchair that I find on eBay for half the normal price.
B. Looking at my grocery receipt and realizing I've saved $40 by using coupons.
C. Treating myself to a shopping spree and not even thinking about prices — after all, I've stuck to my budget faithfully for months.
D. Making presents with my kids for everyone on our holiday list. We have a blast, and totally avoid the shopping frenzy at the mall.
E. Checking my savings account and realizing that we've saved enough for our trip to Hawaii.
You're done! Now, look back over your answers and see what you checked — mostly A, B, C, D, or E?
Your Spending Personality: Curious George Spontaneous, generous, and fun-loving, you live life to the fullest. You enjoy new adventures, and you aren't afraid of change.
Strengths: You don't let money worries hold you back from living your life. You're great at recognizing quality products and bargains.
Weaknesses: You can be a spendthrift, especially when something compelling grabs your eye. You might use shopping as an escape from stress. You may also mistake material things for symbols of success. As a result, you probably have more stuff — and more debt — than you really need.
Strategies: "Develop better control of your impulses," says Goodman. To make this easier, avoid situations where you may be tempted to overspend. For example, don't go toy shopping with your "gotta have it now" 3-year-old in tow.
If you're using shopping as a hobby or escape, take a tip from George, who once was so busy filming a movie about himself that he didn't get into trouble all day. In other words, get involved in an activity other than shopping — something fulfilling, but not quite as expensive.
This isn't to say that you shouldn't give in to your fun side sometimes. Since you love to shop, you're probably great at spotting deals. Make this work for you. First, develop a monthly budget and track your expenses (which is important for people of all spending types, says Goodman). Then you can start to set aside money each month for splurges, "bling purchases," and deals that are too good to pass up. That way, you can still be yourself without breaking the bank.
In this story, Curious George learns to channel his energy and curiosity as he takes a job, rides a bus, endures a lengthy hospital stay, and much, much more.
Mostly B
Your Spending Personality: Bert Like our lovable Sesame Street friend, you're responsible, diligent, orderly, and detail-oriented. You thrive on structure and routine. You're careful with decisions, and you like to think things through.
Strengths: You certainly don't need to worry about overspending! You're great at sticking to a budget, and you're an excellent saver. Also, you're unlikely to fall for financial fads or get taken in by unscrupulous advertisers.
Weaknesses: You can be frugal to a fault, jeopardizing your and your family's quality of life. Your aversion to change can make you less efficient when financial situations call for more flexibility. And like Bert with his paperclip collection, you may be over-invested in the "game" of saving money, treating it as an obsessive hobby.
Strategies: "Try to loosen up a little," suggests Goodman. Bring a more relaxed attitude to finances, knowing that your excellent money managing techniques will help you keep things in check. Examining your feelings can help. Is your reluctance to spend money based on an irrational fear of loss? If so, try some reality testing. Ask yourself whether splurging on a dinner date once in a while is truly going to set you up for bankruptcy. With your saving finesse, it's doubtful!
Scrutinize your monthly budget to pinpoint areas where you may be holding back too much on your spending. Some things — like fun family outings or an occasional splurge — can outweigh the importance of nurturing your nest egg. Try tweaking your budget to give yourself more spending room where you need it.
Bert, Ernie, and Grover take a museum tour to see a moon rock up close. Unfortunately, the moon rock is the last exhibit. Will Bert's single-minded focus prevent him from enjoying the other exhibits, or will he relax enough to take in the whole experience?
Mostly C
Your Spending Personality: The Very Hungry Caterpillar Thoughtful, flexible, and open to new ideas, you have the ability to adapt to new situations and roll with the punches.
Strengths: You're good at pinching pennies in a crisis. But you also know how to use money to improve your family's quality of life — and your own.
Weaknesses: When the Caterpillar bursts out of his egg, he's ravenous. Who can blame him for eating everything in sight? But then he goes the other way, and eats only a single leaf! Like him, you tend to vacillate between extremes. Your spending can be inconsistent and erratic, and is sometimes based too heavily on emotion.
Strategies: Goodman recommends that you consider the emotional component of your spending decisions. Are you buying something out of a sense of deprivation or as a temporary fix? Are you spending money on your child out of guilt, or to compensate for a deficiency in your own childhood? If so, it's time to reconsider the purchase.
Because you're susceptible to impulse buying, "avoid situations that could overwhelm your financial sensibilities," says Goodman. For example, as hard as it is, stay away from the mall during the height of the holiday season — the visual stimuli, music, crowds, and scents may send you into a spending frenzy.
Like people of all spending types, you'll benefit from developing a monthly budget and tracking expenses, says Goodman. Spend some time reviewing your assets and what you owe, to get a better sense of where you stand financially. Then come up with a spending plan so you'll have some guidelines to keep you in check.
Recommended Bedtime Reading:The Very Hungry Caterpillar, by Eric Carle. After vacillating between ascetic eating and stomach-wrenching binging, the caterpillar learns a lesson in moderation. Not only does his stomach heal, but he transforms into a beautiful butterfly.
Mostly D
Your Spending Personality: The Grasshopper Creative and idea-focused, you're an imaginative, visionary thinker. You maintain a relaxed perspective on life and have a strong sense of fun.
Strengths: You don't sweat the small stuff and are able to avoid getting tied up in knots over finances. You're also good at resisting peer pressure and the impulse to "keep up with the Joneses." It's unlikely that you have the "too much stuff" problem.
Weaknesses: You tend to procrastinate. Like the fabled grasshopper who doesn't store food for the upcoming winter, you dislike planning ahead and may even feel like you're not very good at it. This causes your spending to be rushed and careless.
Strategies: Goodman suggests that you try planning ahead more, even if only by a few days. This may seem counterintuitive, but thinking about things even slightly in advance can make life less stressful in the long run. Because of the convenience and speed, online shopping may be a great option for you. Find some good websites that you trust and can use for various needs.
All types can benefit from developing a monthly budget and tracking expenses, says Goodman. Don't be afraid to try it. You can do it, and since you aren't very materialistic, your expenses may be simpler than most.
While the ant falls into a frenzy of preparation for winter, the grasshopper continues making music. Come winter, he appeals to his old friend for help. They have a vigorous debate. Which is more important — art or survival? Perhaps the two are actually interdependent, but that's for the reader to decide.
Mostly E
Your Spending Personality: Dora You're organized, responsible, levelheaded, realistic, and resourceful. You're open to trying new things, but you plan ahead and use a safety net to avoid getting hurt.
Strengths: You've hit the jackpot: You're an excellent saver and a wise, conscientious spender.
Weaknesses: Everyone has something to work on! You're a pretty stellar money manager, but according to Goodman, this can lead to a bit of complacency. Perhaps things are working so well for you that you've gotten stuck in a bit of a rut.
Strategies: Your financial house is in order, so now might be a good time to think about an expansion. How can you challenge your investments and make them work even better for you? Consulting a financial planner would be a great next step.
Recommended Bedtime Reading:Dora Climbs Star Mountain, adapted by Alison Inches. When Swiper throws Dora's new bracelet to the top of Star Mountain, she's determined to retrieve it. In her quest, she not only uses her own skills, but accepts help from friends.
Your Spending Personality: Dora You're organized, responsible, levelheaded, realistic, and resourceful. You're open to trying new things, but you plan ahead and use a safety net to avoid getting hurt.
Strengths: You've hit the jackpot: You're an excellent saver and a wise, conscientious spender.
Weaknesses: Everyone has something to work on! You're a pretty stellar money manager, but according to Goodman, this can lead to a bit of complacency. Perhaps things are working so well for you that you've gotten stuck in a bit of a rut.
Strategies: Your financial house is in order, so now might be a good time to think about an expansion. How can you challenge your investments and make them work even better for you? Consulting a financial planner would be a great next step.
Recommended Bedtime Reading:Dora Climbs Star Mountain, adapted by Alison Inches. When Swiper throws Dora's new bracelet to the top of Star Mountain, she's determined to retrieve it. In her quest, she not only uses her own skills, but accepts help from friends. I am E.
because you always xxs and sub-zero!
no, I wear 16
团团几颗牙了？
加加每天6点不到醒了就把我爸捏醒，然后冲着笑～
加加真好玩
no, I wear 16
乐乐上周日满9个月在家照的。
以下内容需要威望达到1才可以浏览
骑小车
学美团的分头。
半个小时后头型就恢复原样了
胖乎乎的小帅哥！
真想抱抱乐乐！
还有
以下内容需要威望达到2才可以浏览
全家福好温馨啊！
kids 16
我说NJ得筒子们，咱们人太多了，一起吃饭不太好弄啊，人家LA的就仨妈仨宝比较容易坐一起边吃边聊，咱们4家至少15口老老少少,image! 还是找个地方玩玩，没有plagroud草地上宝宝们爬爬玩玩也不错.....
一不小心规模就这么大了。
一不小心规模就这么大了。 主要是我们家贡献太大
乐乐上周日满9个月在家照的。
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又见乐乐家庭studio,超赞! 乐乐好久不奔,又长大了不少,像 个大宝宝了,而且长了本事,会骑小车了. 我还偷窥见四颗小白牙.
还有
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乐乐站的很好啦,爸爸看起来总觉得像哪个喜剧演员?
我说NJ得筒子们，咱们人太多了，一起吃饭不太好弄啊，人家LA的就仨妈仨宝比较容易坐一起边吃边聊，咱们4家至少15口老老少少,image! 还是找个地方玩玩，没有plagroud草地上宝宝们爬爬玩玩也不错.....
饿的神呢,羡慕死我了.
新鲜出炉。Cosplay猪乐乐之大话西游
以下内容需要魅力达到200才可以浏览
猪乐乐唱：only you~~~~~~~~~
笑死我了，猪乐乐还真配合，每个表情都跟服装很搭配
我说NJ得筒子们，咱们人太多了，一起吃饭不太好弄啊，人家LA的就仨妈仨宝比较容易坐一起边吃边聊，咱们4家至少15口老老少少,image! 还是找个地方玩玩，没有plagroud草地上宝宝们爬爬玩玩也不错.....
你们又BSO.
***** 该内容需浏览者魅力高于800 才可浏览 *****
shafa
又见糖小辫,谁说我们是短腿,看奶糖多匀称. 还是个笑不露齿的斯文美人.
小肥妈，你太不厚道咯
你们又BSO.
奶糖见草就拔，拔完了还吃，上次见emma也是个拔草能手
[此贴子已经被作者于2008-9-10 20:52:53编辑过]
[此贴子已经被作者于2008-9-10 21:39:50编辑过]
[此贴子已经被作者于2008-9-10 23:27:29编辑过]
看不到。
[此贴子已经被作者于2008-9-10 21:41:57编辑过]
Emma 正相反，看到草就象发了疯一样，有一次还把手划开了。。。
或者让他跟其他会把草的小孩子一起玩。
什么时候能和奶糖Emma一起玩就好了.
你们跟他一起玩一会，爬一下，拔拔草什么的会不会好点？
我把他朝思暮想的照相机放在他面前他都不肯过去了.
或者让他跟其他会把草的小孩子一起玩。
跟猪乐乐玩吧。。猪乐乐是拔草能手
学习了...
小农我最近买了A&F家的， 很不fit 阿， 我要了4号的， 大腿的地方很tight， 腰却很大， 直往下掉
AF jeans has poor quality...
none in NJ
department store都有。只是sale要等了。。jeans还是试试好。。一般designer jeans都half size bigger
google了一下，有点小贵，哪有折扣吗？
online..shopbop.com和barneys.com经常有70% off的。我前两天转一条j brand都没转出去。。。唉。。太长了。。
偶都是一条筋地买MISS SIXTY家的JEAN。。。主要是长度很合适，不需要改。。。而且我学校附近的OUTLETS还有它家的店。。。。嘿嘿
我跟loehmanns买过一条她们巨popular那款。。才20.。。我穿大。。给我闺蜜了。。被她同事活活抢走了。。
miss sixty我穿太长了。。我所有裤子都要改到能穿flip flop的长度才行。。
我姓唐，我爱花花草草
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我是spiderbaby,我腿有点短
糖小辫再现江湖，哈哈...笑再大也没牙
糖糖太好玩，那张spiderman姿势很标准哦～
谁给扎的小辫，小家伙愿意你们折腾她吗？
你们又BSO.
找个MM在草地上一起玩？？
online..shopbop.com和barneys.com经常有70% off的。我前两天转一条j brand都没转出去。。。唉。。太长了。。
多谢！去shopbop骝了一圈，看上一个包，眨眼就没了。
I think she meant 16 for kids/junior
我姓唐，我爱花花草草
以下内容需要魅力达到800才可以浏览
我要
I think she meant 16 for kids/junior
你们～～～
Emma 九个月 checkup 归来，22 磅，30 inch，46 cm。Ped 说 Emma 乍一看像个 15 个月的宝宝，问是不是经常有人说她个大。
笑得好可爱啊，真是标准的笑不露齿，哈哈
那表情，真想把他一把搂在怀里
Every spending style has its own unique strengths, says financial expert Jordan Goodman, author of Master Your Money Type.
So you don't need to change the essence of who you are in order to
become a good money manager. Instead, build on your strengths and avoid
pitfalls by developing your understanding of yourself and your spending
personality.
Start by taking our quiz. It's designed to be fun, but you'll get some helpful tips, too!
1. Your child's bedroom can best be described as:
A. Brimming with toys, books, and clothes. It's pretty packed, but I love buying things for my child.
B. Clean and well-organized. It's a place for my child to sleep, store things, and enjoy a few toys or books.
C. A real mix. There are some treasures — and some junk.
D. Kind of empty. We haven't bought much furniture, but there's plenty of room for dancing and art projects.
E. Well-suited to my child. It has toys, books, durable furniture, and some open space for playing and relaxing.
2. As you unfold a diaper, out flutters a
sheet of paper saying, "Congratulations! You've won our $10,000 prize
giveaway!" How will you spend it?
A. We'll go on some wild adventures that the kids
will always remember, like riding in a hot air balloon. I'll use any
leftover money for furniture, clothes, toys, and other fun stuff.
B. I'll put it right into my nest egg.
C. I'll pay off all the debt I can, starting with my credit cards, and try to resist spending any of it on myself.
D. I'll put it in my checking account and use it for living expenses.
E. I'll put half into an investment fund. We'll do something special (like a trip or a major purchase) with the other half.
3. How often do you splurge on yourself?
A. Pretty often. I don't want to be a self-denying martyr mom. But I get stuff for my family, too!
B. I'm not sure—do tampons, toilet paper, and toothpaste count?
C. I try not to. But sometimes I see something I just can't resist — even if I can't really afford it.
D. Not very often. But when I do buy something for myself, I shop quickly and get the first one I like.
E. Occasional, reasonable splurging is a good thing. I'm just careful not to go overboard.
4. Do you ever hide your spending from your spouse or partner?
A. Sometimes, but I'm not always good at it — and we've argued about how much I spend.
B. No, in fact I'm proud to show off how little I usually spend.
C. Yes, and I feel really guilty about it.
D. Not on purpose — but sometimes I forget to mention big purchases.
E. No, we're up front with each other about our spending.
5. How do you feel about credit cards?
A. I love them — in fact, I can get a high from charging things. But I try to pay at least the minimum every month.
B. I don't like to charge things — it stresses me out. But I have a few cards for emergencies and travel.
C. I try not to use them, but occasionally I use a card for impulse buying.
D. Cards are easier than always having cash on hand.
I'm not great at paying attention to the interest rates, though, and
sometimes I forget to keep up with the bills.
E. They can be a useful tool. I use cards when it makes sense to, and I usually pay off the balance every month.
6. It's Moms' Night Out! You and your
friends have a great time drinking margaritas and trading stories about
tantrums, head lice, and interrupted sleep. Then the bill arrives. What
do you do?
A. Plunk down my card and say, "It's on me!" I figure I probably owe them all favors anyway.
B. Pull out my calculator, figure out my portion, add tip and tax, and put the exact amount on the table.
C. Last time I just threw in a $20, knowing it was more than I owed. So this time I pay a dollar or two less than my share.
D. I offer to put it all on my card and have the others pay me back in cash. I let them figure it all out.
E. I approximate my share, overestimating a bit so we don't come up short.
7. Where do you buy toys, clothes, and gear for your kids?
A. Only the best for my babes! I'm a sucker for top-end stores and brands, but I also get great deals online.
B. Kid stuff is overpriced. I'd rather buy things
used or get hand-me-downs. When I have to buy something new, I spend a
lot of time comparing costs so I can get the best deal.
C. It depends — sometimes I spend way too much at the mall, so I try to balance it out by hitting yard sales.
D. The kids' needs sneak up on me. Who knew feet
could grow so fast? I usually buy stuff in a crunch, just popping by
the nearest store when we have a moment.
E. I buy some things full-price, but also shop
online and look for used stuff and hand-me-downs. I do some
cost-comparing for larger purchases and try and plan ahead so I can
take advantage of sales and deals.
8. How balanced is your checkbook?
A. I try to balance it regularly, but sometimes I
pay with my debit card and forget to write it down. So my checkbook
numbers don't always add up.
B. I balance my checkbook to the penny, and I often
check it against my bank account's online service to make sure it's
accurate.
C. I try to catch up whenever I can get to it. Unfortunately, there are some gaps.
D. Oh, that checkbook. It's in a drawer somewhere ...
E. I keep track of checks and debit card purchases.
It's not accurate to the penny, but it's good enough. I check it
against my monthly bank statement.
9. Your child is turning 3 — tell us about the birthday party!
A. I invite everyone, rent a moonbounce, and get
lots of great food. We have a fantastic time, but later I realize I
spent a ton of money on a party my child probably won't remember.
B. I create a strict party budget and refuse to go
over, even though it means I can't include my nephew. The party is fun,
manageable, and inexpensive, but later I realize my sister is no longer
speaking to me.
C. My child really wants a moonbounce, but I
economize with a cheap, just-as-fun game of Twister instead. To cushion
the blow, I order a custom flamingo-shaped cake. Everyone has fun, but
later I realize that I didn't really come out that far ahead.
D. I plan a dance party and tell our friends about
it. The day of the party, I run to the closest store for supplies. I
overbuy because I'm not sure how many are coming. Everyone has a blast,
but later I realize I have 50 expensive favors left over and no one had
anything to drink.
E. I create invites with an early RSVP date, so if
anyone declines, we can ask people from the "B" list. I rent a
moonbounce but explain to my child that this means the cake, food, and
party favors will be homemade. The party is a success, and my child
enjoys helping with the preparations.
10. Your child has to sell calendars to help fund an overnight class trip. How do you react?
A. I buy most of them. I always need calendars, and
plus, I can give them out as gifts. I also buy a few from his friends.
Why not? It's for a good cause.
B. I help him come up with a budget, and we figure out exactly how many calendars he needs to sell in order to go on the trip.
C. I encourage him to sell as many as he can, but I
have a sinking feeling that I'll end up buying a lot of them right
before the deadline.
D. I buy one from him just to be nice, but I leave everything else up to him. I figure it's his situation to deal with.
E. I buy one calendar. Then he and I sit down together and I help him develop his own plan for selling more.
11. Your friend's toddler is wearing the cutest little boots — deep purple suede with red tassels. What do you do?
A. My toddler already has those boots in green. But now that I see that gorgeous purple, I may need to buy those too.
B. I resist the urge. Those boots must cost a fortune, and they'll be outgrown in a month!
C. I immediately ask where she bought them, so I can get some too.
D. I think my child would enjoy a pair, but I doubt
I'll have time to find them. They're probably only available at
boutiques or something.
E. If there's room in our budget, maybe we'll take the plunge.
12. What gives you the biggest rush?
A. Bidding on an incredibly expensive Swedish highchair that I find on eBay for half the normal price.
B. Looking at my grocery receipt and realizing I've saved $40 by using coupons.
C. Treating myself to a shopping spree and not even
thinking about prices — after all, I've stuck to my budget faithfully
for months.
D. Making presents with my kids for everyone on our
holiday list. We have a blast, and totally avoid the shopping frenzy at
the mall.
E. Checking my savings account and realizing that we've saved enough for our trip to Hawaii.
You're done! Now, look back over your answers and see what you checked — mostly A, B, C, D, or E?
我把他朝思暮想的照相机放在他面前他都不肯过去了.
是不是草扎手，小肥才会怕啊
你们带他去草高点、软点的试试看？
Your Spending Personality: Curious George Spontaneous, generous, and fun-loving, you live life to the fullest. You enjoy new adventures, and you aren't afraid of change.
Strengths: You don't let money worries hold you back from living your life. You're great at recognizing quality products and bargains.
Weaknesses:
You can be a spendthrift, especially when something compelling grabs
your eye. You might use shopping as an escape from stress. You may also
mistake material things for symbols of success. As a result, you
probably have more stuff — and more debt — than you really need.
Strategies:
"Develop better control of your impulses," says Goodman. To make this
easier, avoid situations where you may be tempted to overspend. For
example, don't go toy shopping with your "gotta have it now" 3-year-old
in tow.
If you're using shopping as a hobby or escape, take a
tip from George, who once was so busy filming a movie about himself
that he didn't get into trouble all day. In other words, get involved
in an activity other than shopping — something fulfilling, but not
quite as expensive.
This isn't to say that you shouldn't give in
to your fun side sometimes. Since you love to shop, you're probably
great at spotting deals. Make this work for you. First, develop a
monthly budget and track your expenses (which is important for people
of all spending types, says Goodman). Then you can start to set aside
money each month for splurges, "bling purchases," and deals that are
too good to pass up. That way, you can still be yourself without
breaking the bank.
Recommended Bedtime Reading: Curious George Takes a Job, by H. A. Rey.
In
this story, Curious George learns to channel his energy and curiosity
as he takes a job, rides a bus, endures a lengthy hospital stay, and
much, much more.
Mostly B
Your Spending Personality: Bert Like our lovable Sesame Street
friend, you're responsible, diligent, orderly, and detail-oriented. You
thrive on structure and routine. You're careful with decisions, and you
like to think things through.
Strengths: You certainly
don't need to worry about overspending! You're great at sticking to a
budget, and you're an excellent saver. Also, you're unlikely to fall
for financial fads or get taken in by unscrupulous advertisers.
Weaknesses:
You can be frugal to a fault, jeopardizing your and your family's
quality of life. Your aversion to change can make you less efficient
when financial situations call for more flexibility. And like Bert with
his paperclip collection, you may be over-invested in the "game" of
saving money, treating it as an obsessive hobby.
Strategies:
"Try to loosen up a little," suggests Goodman. Bring a more relaxed
attitude to finances, knowing that your excellent money managing
techniques will help you keep things in check. Examining your feelings
can help. Is your reluctance to spend money based on an irrational fear
of loss? If so, try some reality testing. Ask yourself whether
splurging on a dinner date once in a while is truly going to set you up
for bankruptcy. With your saving finesse, it's doubtful!
Scrutinize your monthly budget to pinpoint areas where you may be holding back too
much on your spending. Some things — like fun family outings or an
occasional splurge — can outweigh the importance of nurturing your nest
egg. Try tweaking your budget to give yourself more spending room where
you need it.
Recommended Bedtime Reading: A Visit to the Sesame Street Museum, by Liza Alexander.
Bert,
Ernie, and Grover take a museum tour to see a moon rock up close.
Unfortunately, the moon rock is the last exhibit. Will Bert's
single-minded focus prevent him from enjoying the other exhibits, or
will he relax enough to take in the whole experience?
Mostly C
Your Spending Personality: The Very Hungry Caterpillar Thoughtful, flexible, and open to new ideas, you have the ability to adapt to new situations and roll with the punches.
Strengths:
You're good at pinching pennies in a crisis. But you also know how to
use money to improve your family's quality of life — and your own.
Weaknesses:
When the Caterpillar bursts out of his egg, he's ravenous. Who can
blame him for eating everything in sight? But then he goes the other
way, and eats only a single leaf! Like him, you tend to vacillate
between extremes. Your spending can be inconsistent and erratic, and is
sometimes based too heavily on emotion.
Strategies:
Goodman recommends that you consider the emotional component of your
spending decisions. Are you buying something out of a sense of
deprivation or as a temporary fix? Are you spending money on your child
out of guilt, or to compensate for a deficiency in your own childhood?
If so, it's time to reconsider the purchase.
Because you're
susceptible to impulse buying, "avoid situations that could overwhelm
your financial sensibilities," says Goodman. For example, as hard as it
is, stay away from the mall during the height of the holiday season —
the visual stimuli, music, crowds, and scents may send you into a
spending frenzy.
Like people of all spending types, you'll
benefit from developing a monthly budget and tracking expenses, says
Goodman. Spend some time reviewing your assets and what you owe, to get
a better sense of where you stand financially. Then come up with a
spending plan so you'll have some guidelines to keep you in check.
Recommended Bedtime Reading: The Very Hungry Caterpillar,
by Eric Carle. After vacillating between ascetic eating and
stomach-wrenching binging, the caterpillar learns a lesson in
moderation. Not only does his stomach heal, but he transforms into a
beautiful butterfly.
Mostly D
Your Spending Personality: The Grasshopper
Creative and idea-focused, you're an imaginative, visionary thinker.
You maintain a relaxed perspective on life and have a strong sense of
fun.
Strengths: You don't sweat the small stuff and are
able to avoid getting tied up in knots over finances. You're also good
at resisting peer pressure and the impulse to "keep up with the
Joneses." It's unlikely that you have the "too much stuff" problem.
Weaknesses:
You tend to procrastinate. Like the fabled grasshopper who doesn't
store food for the upcoming winter, you dislike planning ahead and may
even feel like you're not very good at it. This causes your spending to
be rushed and careless.
Strategies: Goodman suggests that
you try planning ahead more, even if only by a few days. This may seem
counterintuitive, but thinking about things even slightly in advance
can make life less stressful in the long run. Because of the
convenience and speed, online shopping may be a great option for you.
Find some good websites that you trust and can use for various needs.
All types can benefit from developing a monthly budget and tracking expenses, says Goodman. Don't be afraid to try it. You can do it, and since you aren't very materialistic, your expenses may be simpler than most.
Recommended Bedtime Reading: Who's Got Game: The Ant or the Grasshopper? by Toni Morrison.
While
the ant falls into a frenzy of preparation for winter, the grasshopper
continues making music. Come winter, he appeals to his old friend for
help. They have a vigorous debate. Which is more important — art or
survival? Perhaps the two are actually interdependent, but that's for
the reader to decide.
Mostly E
Your Spending Personality: Dora
You're organized, responsible, levelheaded, realistic, and resourceful.
You're open to trying new things, but you plan ahead and use a safety
net to avoid getting hurt.
Strengths: You've hit the jackpot: You're an excellent saver and a wise, conscientious spender.
Weaknesses:
Everyone has something to work on! You're a pretty stellar money
manager, but according to Goodman, this can lead to a bit of
complacency. Perhaps things are working so well for you that you've
gotten stuck in a bit of a rut.
Strategies: Your
financial house is in order, so now might be a good time to think about
an expansion. How can you challenge your investments and make them work
even better for you? Consulting a financial planner would be a great
next step.
Recommended Bedtime Reading: Dora Climbs Star Mountain,
adapted by Alison Inches. When Swiper throws Dora's new bracelet to the
top of Star Mountain, she's determined to retrieve it. In her quest,
she not only uses her own skills, but accepts help from friends.
肉团昨晚上自己站起来了，是双手悬空的站着哦
她本来去扒台灯的开关，不知道怎么就站住了，叉着腿，掘着屁股，伸着手，就那么站了15秒，她一开始还有点愣住，后来一得意，回头看我，就一屁股坐下了。我妈说，这样就快会走了。
哈哈哈，风水轮流转，我也轮到bso一回，现在除了小肥，还有谁会这招
I think she meant 16 for kids/junior
nod nod
当当当~~~
肉团昨晚上自己站起来了，是双手悬空的站着哦
她本来去扒台灯的开关，不知道怎么就站住了，叉着腿，掘着屁股，伸着手，就那么站了15秒，她一开始还有点愣住，后来一得意，回头看我，就一屁股坐下了。我妈说，这样就快会走了。
哈哈哈，风水轮流转，我也轮到bso一回，现在除了小肥，还有谁会这招
gxgx
当当当~~~
肉团昨晚上自己站起来了，是双手悬空的站着哦
她本来去扒台灯的开关，不知道怎么就站住了，叉着腿，掘着屁股，伸着手，就那么站了15秒，她一开始还有点愣住，后来一得意，回头看我，就一屁股坐下了。我妈说，这样就快会走了。
哈哈哈，风水轮流转，我也轮到bso一回，现在除了小肥，还有谁会这招
奔来看看～
当当当~~~
肉团昨晚上自己站起来了，是双手悬空的站着哦
她本来去扒台灯的开关，不知道怎么就站住了，叉着腿，掘着屁股，伸着手，就那么站了15秒，她一开始还有点愣住，后来一得意，回头看我，就一屁股坐下了。我妈说，这样就快会走了。
哈哈哈，风水轮流转，我也轮到bso一回，现在除了小肥，还有谁会这招
肉团太厉害了～～
BSO得好！给我们前进的动力
http://bbs.hsw.cn/viewthread.php?tid=580635&frameon=no
我把他朝思暮想的照相机放在他面前他都不肯过去了.
你们太不厚道了，小肥这么害怕，还不敢快报起来！
当当当~~~
肉团昨晚上自己站起来了，是双手悬空的站着哦
她本来去扒台灯的开关，不知道怎么就站住了，叉着腿，掘着屁股，伸着手，就那么站了15秒，她一开始还有点愣住，后来一得意，回头看我，就一屁股坐下了。我妈说，这样就快会走了。
哈哈哈，风水轮流转，我也轮到bso一回，现在除了小肥，还有谁会这招
BSO! 嘟嘟昨天刚会站，还不是自己起来的那种。
Mostly E
Your Spending Personality: Dora You're organized, responsible, levelheaded, realistic, and resourceful. You're open to trying new things, but you plan ahead and use a safety net to avoid getting hurt.
Strengths: You've hit the jackpot: You're an excellent saver and a wise, conscientious spender.
Weaknesses: Everyone has something to work on! You're a pretty stellar money manager, but according to Goodman, this can lead to a bit of complacency. Perhaps things are working so well for you that you've gotten stuck in a bit of a rut.
Strategies: Your financial house is in order, so now might be a good time to think about an expansion. How can you challenge your investments and make them work even better for you? Consulting a financial planner would be a great next step.
Recommended Bedtime Reading: Dora Climbs Star Mountain, adapted by Alison Inches. When Swiper throws Dora's new bracelet to the top of Star Mountain, she's determined to retrieve it. In her quest, she not only uses her own skills, but accepts help from friends.
I am E.
我Mostly E！！
shake hands
have you seen this woman? i guess she has a breastfeeding baby at home.
http://bbs.hsw.cn/viewthread.php?tid=580635&frameon=no
OMG! 被雷到了
当当当~~~
肉团昨晚上自己站起来了，是双手悬空的站着哦
她本来去扒台灯的开关，不知道怎么就站住了，叉着腿，掘着屁股，伸着手，就那么站了15秒，她一开始还有点愣住，后来一得意，回头看我，就一屁股坐下了。我妈说，这样就快会走了。
哈哈哈，风水轮流转，我也轮到bso一回，现在除了小肥，还有谁会这招
哎,今天早上看新闻,看到说国内又出现肾结石的婴儿,怀疑也是吃了奶粉导致的.真是气愤又伤心..............
sigh, 总有些人忘了，有些钱是不能赚的。
奔来看看～
忘记拍照了啊~~等她熟练一点再奔，哈哈哈
哎,今天早上看新闻,看到说国内又出现肾结石的婴儿,怀疑也是吃了奶粉导致的.真是气愤又伤心..............
三鹿奶粉～
我本来说等加加奶粉吃完了就不寄了，买国内进口的算了，现在又开始担心国内的东西～～
逛了半天套包网，又给肉团买了这些卡子，真便宜啊，rmb3~5：
这不是刺激我们没有头发的吗.....
我想好了,万圣节我们阿米就扮演个聪明的一休,头上画9个白点,然后参照乐乐得唐僧照给围个衣服什么的,0刀解决问题...
I am E.
I am E, too.
never heard about martin osa, is this brand good?
质量很好,一般都是全棉的,样式吗,要看人了,我反正觉得还比较喜欢.
again, NONE in NJ!!!
扭腰总会有八！
三鹿奶粉～
我本来说等加加奶粉吃完了就不寄了，买国内进口的算了，现在又开始担心国内的东西～～
还是寄奶粉吧,国内的东西别的质量不行可以凑或,小孩子吃的东西要小心.
三鹿奶粉～
我本来说等加加奶粉吃完了就不寄了，买国内进口的算了，现在又开始担心国内的东西～～
还是寄吧~吃的东西可不能大意
一不小心规模就这么大了。
你们这...
好好玩， 多拍点照哈， 不要向上回这么敷衍阿
你们又BSO.
南瓜也是呢， 那天咱聚会的时候， 婷婷妈两块receiving blaket,就把南瓜轻易的所锁住了， 呵呵...
三鹿奶粉～
我本来说等加加奶粉吃完了就不寄了，买国内进口的算了，现在又开始担心国内的东西～～
还是寄吧,这些报到看的我心惊肉跳的。
这不是刺激我们没有头发的吗.....
我想好了,万圣节我们阿米就扮演个聪明的一休,头上画9个白点,然后参照乐乐得唐僧照给围个衣服什么的,0刀解决问题...
又一个后妈~！！
等米米妹妹长头发了，我们送一把发卡给米米，我昨天又买了一把，哈哈，总共才40rmb+运费。
我姓唐，我爱花花草草
以下内容需要魅力达到800才可以浏览
小马甲亚看不到亚
南瓜也是呢， 那天咱聚会的时候， 婷婷妈两块receiving blaket,就把南瓜轻易的所锁住了， 呵呵...
又一个后妈~！！
等米米妹妹长头发了，我们送一把发卡给米米，我昨天又买了一把，哈哈，总共才40rmb+运费。
俺pp下个月来，让她带点过来，嘿嘿
对了,宝宝的第一个万圣节,大家都有想法了吗?现在问是不是太早了....
肥猪。
[此贴子已经被作者于2008-9-11 14:17:17编辑过]
俺pp下个月来，让她带点过来，嘿嘿
恩，这些小东西还是国内便宜啊
sigh~
I'm the only one in the lab today.
I have two computer on, one in the lab, one in the office, one logged in with DAYI , one with Majia~~