"John E. Jaku-Hing" <johnejakuhing[at]yahoo.com> wrote in message
news:b4cbbde8.0408170535.66c3e5cc[at]posting.google.com...
- quote -

Cheap used treadmill can be found for roughly 3 months health
club membership.

Last time I checked, push-ups, sit-ups, pull-ups, squats,
side-straddle-hop, squat-thrusts, sitting on the floor and
stretching, leg lifts, crunches, hit-its, jumping jacks, -- you
name it, lat time I checked these were all free for the taking.
No membership fees required!


- quote -

Excersize can be done free of cost.

Proper diet is cheaper than junk-food, and not much
more expensive than the earlier mentioned "beans and
rice" diet.

- quote -

See above. A treadmill in the back corner of the bedroom
is very do-able and far more frugal than a health club membership.

I find most folks are more likely to stick to the program
if it's at home and they don't have to get into the car and
drive to the club.

- quote -

Agreed. But the excercise part is free.

"Elizabeth Richardson" <erichktn[at]worldnet.att.net> wrote in message news:<SSeUc.216334$OB3.116864[at]bgtnsc05-news.ops.worldnet.att.net> ...
- quote -

Again, this goes back to what I was saying about one's domicile. If
they become a cheapskate and live in a crappy apartment in a bad area,
they will be forced to have a gym membership in lieu of risking their
lives just to get some exercise. Regardless of cost, exercise and
proper diet is mandatory. If you can get it from walking, by all
means cancel the membership to save money...but, if you skimped on
your neighborhood and cannot find facilities to do the most basic of
aerobic/anaerobic exercise, then you will be forced to retain a gym
membership in order to stay fit. Point is, do NOT skimp on diet and
exercise, regardless of the economic times, depression or otherwise.

John E. Jaku..........................................HING !!!!!!!!!!!!!

To get your cheap housing after the national housing bubble bursts,
visit:
www.hud.gov/homes/index.cfm

"John E. Jaku-Hing" <johnejakuhing[at]yahoo.com> wrote in message
news:b4cbbde8.0408161127.c413060[at]posting.google.com...
- quote -


Actually, beans and rice is very good for you. It is a complete protein,
high in fiber, and may be very high in other nutrients, depending on what
else you might put in the pan (like tomatoes, bell peppers, onions). Beans
and rice is for you than steak, and considerably cheaper (to keep with the
financial theme). Eating beans and rice a couple of times a month is very
good for your cardiovascular health which may help to lower your
non-insurance health costs and may increase longevity.

Elizabeth Richardson

"John E. Jaku-Hing" <johnejakuhing[at]yahoo.com> wrote in message
news:b4cbbde8.0408161127.c413060[at]posting.google.com...
- quote -

Must again disagree. A health club membership is not necessary to becoming
fit. Try going outside and walking for an hour and see what that gets you.
(In some neighborhoods, it might get you mugged, in which case it's not good
for your health. Be sure to walk in a "nice" neighborhood.)

Elizabeth Richardson

- quote -

Beans and rice is a poor dietary supplement. It is important to
supplement a proper diet with plenty of vegetables, poultry, and dairy
products. This is akin to putty shitty/used oil in your car every
3000 miles. You already know this, but designating someone to live on
a bare necessity food product is hazardous to one's health. But, more
importantly, it will cost someone much, MUCH more in the long run
monetarily in health care costs, given these costs are rising much
faster than food. This advice should not be heeded. Make sure,
regardless of the grocery bill, that you attain a proper diet above
all else. It *will* cost you less in the long run.

- quote -

Cable TV, yes. Exchange said television entertainment for library
and/or used books. Health club...absolutely not. Again, the cost
benefit (assuming one works out religiously) is far above the
lifestyle benefit (better sex, better self-esteem) and again, the
lower health care costs attributed to a healthier lifestyle. Drop the
health club if you aren't into working out, however, obviously. The
apartment thing is debatable, as you do not want to move somewhere
where you cannot live properly. I made the mistake, between the
selling of my last house and the purchase of my downgraded new house
purchase, of leasing an apartment in a noisy area, just because it
saved me $200/mo. I slept less, performed poorly at work, and
retained a poorer diet. Looking back, it was a very unwise move. The
frills should be cut, but be mindful of the extent of that cutting.
Do not cut where it will hurt you in other areas, regardless of income
or expense.

- quote -

Well said otherwise. Do not purcahse a residence unless you plan on
living there a long time, you've got good credit and can capture a
good rate, and the housing area is not in a bubble-like state. Lean
towards undervalued and areas that are truly up-and-coming.

John E. Jaku.........................................HING! !!!!!!!!!!!!!!!!

To seize opportunity in the upcoming national housing bubble, visit:
www.hud.gov/homes/index.cfm

"cychrys" <cychrys[at]hotmail.com> wrote in message
news:b4ae4028.0408112033.4ecf6a94[at]posting.google.com...

[snip]

- quote -

No.

Just my opinion. Others may disagree.

In article <b4ae4028.0408112033.4ecf6a94[at]posting.google.com> , cychrys
<cychrys[at]hotmail.com> wrote:

- quote -

Given that the Olympics in Greece is making news, I will quote the
famous ancient Greek Socrates: you need to either increase your
income or decrease your expendatures. That was wise thinking 2400
years ago, and is equally wise today.

The bottom line is that you simply do not have the income to afford
to live where you are living. You need to stop spending so much.
You might think that you are living on the basics, but I bet we can
find many ways to cut. For example, if you are eating anything other
than beans and rice, then you can cut your food budget. That will
not be fun, but it will help you balance your budget.

- quote -

everything for a few months, and make the effort to get current, then
get out of debt, then build up an emergency fund. This means cutting
off the cable TV, dropping the health club membership, stopping the
newspaper, cutting out all the costly foods, and considering moving
to a less expensive apartment.

- quote -

live. You either have to find a better career, better job, get more
schooling, or something to get more income. If you cannot boost your
income, then you need to move to a different part of the country
where housing and the cost of living is cheaper. You other option
is to get married to someone who has a better income, or where your
combined incomes will cover your combined living costs.

At this point in time, buying a home is out of the question. You
have bad credit, you are behind on your everyday bills (like gas),
and you have outstanding credit card debt. All that, plus you
simply do not have the income to buy anything in New England. An
income of $27K will only support about a $600 total outlay in
house payments, so you are in the $50K to $60K range for what
property you can afford. Not to mention that you do not have
cash for a downpayment or closing costs.

-john-

--
================================================== ==================
John A. Weeks III 952-432-2708 john[at]johnweeks.com
Newave Communications http://www.johnweeks.com
================================================== ==================

I make 27K a year and have outstanding bills of $900(gas) and a car
bill balance of $700.00 (1994 Toyota Camry). I have other bills
including credit card bills that add up to about $5,000.00. My monthly
living expenses are: $680.00 which is my share of the rent as I have a
roommate. I live in New England, and housing is very expensive here
and I don't even live in a fancy place. Other household bills per
month come to about $600.00 (including groceries). I'm falling further
and further back on my bills per month. I would like to purchase a
house within the next year or two. My car has a lot of problems which
is why I fell behind on the car payments. I bought it in 2000 and have
had to fix the timing belt, entire brake system (twice), water pump,
and I need to fix the burst exhaust (California style exhaust system
for about $700.00-have to wait and save up that kind of $). The air
conditioner doesn't work anymore. It actually hasn't worked for 2
years or so, but I consider it a luxury and decided to spare myself
the expense. Basically, I can only afford to fix enough to keep it
moving. What would your advise be in such a situation? (I might be
getting a raise in a month or so of about 10-15%, but I would say more
likely 10%). At the above income and expenses, is it do-able? Thanks
for your help.