Summarize the following:
We think that we need all sorts of things that we really don't, and these things can quickly suck up a lot of money. You want to make all those little bits of money that you made by following the first section stretch even more, right? Look at what you think of a need and reevaluate. Cell phone? Land line? TV? Candy? Fast food? gym membership? Online subscriptions? Internet? Different people need different things, depending on how they live. Just look at everything you spend money on and think: do I actually need this to survive? If you make your money through something like the internet, than the answer might very well be "yes". If you're young, live at home. This can save you a lot of money and help you build up a financial cushion so that you can more responsibly move out at a later date. If you help your parents out around the house and are generally respectful and loving, they won't even mind too much. Just make sure that they see you trying to save money and be responsible. Look at your monthly spending or bank statements. See any big numbers that stand out? When you look at your statements, you'll often find purchases that you really didn't think about or that you really didn't need. Paying attention to how you spend your money can make you a more conscious spender and save you lots of cash. Plan how you'll spend your money and stick to the plan. This will save you tons of money in the long run. A lot of the time the money we make seems to disappear, because we excuse all sorts of little purchases. Give yourself an allowance, but otherwise strictly budget your income in order to save as much money as possible. Clothes, food, household items: everything you buy should be at a discount. Don't go for any sale, however, that encourages you to buy something you weren't already going to buy anyway: this leads to to spend more money, not less. Get your clothes from Goodwill or garage sales. You can save a lot on food by shopping at grocery outlets and similar stores. Avoid credit cards or any other kinds of loaned money. This money comes with interest that you have to pay, which means that everything you pay for with the credit card actually costs more than what you're already paying for it. This can really end up costing you a lot over time. If you need a credit card to pay for something, then you either don't need it or you're living beyond your means. Using public transport can save you a ton of money on bills. If you have a long commute, an unlimited bus pass often costs less than just your gas bills alone. Once you factor in car payments, car maintenance, insurance, and other fees, public transport saves a ton of money. Plus, you'll have time to just relax while you get around or even use a 3G device to make even more money by doing online tasks or updating a blog while you commute.

summary: Use only the base necessities. Live at home. Track how you spend money. Budget. Only buy things at a discount. Never use credit cards. Use public transport.


Summarize the following:
As a seller, you have fewer opportunities to cancel a contract than a buyer. The consequences of breaking the contract can also be more severe. You should immediately seek professional assistance. ” These are relatively rare.  However, some contracts include clauses that stipulate that the seller can escape from her contract if she manages to find a buyer willing to pay more for the property. Such clauses are only valid for a period of time specified in the contract. This clause will only, however, allow you to replace one buyer with another. If you have changed your mind about selling the property, this clause might not be the escape route you need. Often the contract stipulates that the buyer is supposed to fulfill a contingency by a specific date. You can use this to your advantage. If, for example, the buyer fails to get financing within a particular time span, you can use this as justification to void the contract.  In order to successfully employ this strategy, you’ll need to request that the buyer prove that there’s a loan commitment in place. If the buyer has defaulted on this contingency, then the seller can demand a default and termination of the contract.  If the contingency has passed already, the buyer will not be able to use it to rescind and get the earnest money back. The seller can demand a two day waiver of financing once the contingency has passed and demand a rescission if the buyer will not waive it. A buyer can still buy the property though if they waive the financing. They may have someone give them cash to purchase it. A seller can only demand a rescission when the buyer is in default of the contract terms. If none of the aforementioned strategies are available to you, you will need to offer a financial settlement. The buyer has the full legal right to sue you, forcing you to sell the house and pay damages. However, depending on her disposition, she might not be inclined to engage in the necessary legal battle. You will need to offer a settlement large enough to dissuade her from following such a course of action. In these cases, the buyer has good standing to sue for “specific performance,” which would compel you to proceed with the sale. However, such cases often take years and are extremely expensive. Most buyers would prefer to take a payout. You will need to negotiate over a specific sum.
summary: Consult your attorney and real estate agent. Review the contract for a “kick-out clause. Be attentive to buyer failures. Be prepared to pay.