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Default Personal Finance worksheet - 06-13-2020, 04:46 PM

After seeing all the protests about injustices and wealth inequality in the news (#MeToo, #BLM, etc.), I decided to do my part and help my fellow man in an area where I am particularly blessed, which is matters of financial prosperity.

Print out this worksheet, fill in the blanks and see where you are frittering away your personal responsibility, and maybe reveal certain areas where you can improve yourself.


1. What non-essentials do you buy?

[ ] Coffee
[ ] Shoes
[ ] Flowers
[ ] Hair products


2. How much do you spend on them per week?

[ ] $100
[ ] $200
[ ] $400
[ ] $800


3. What food items do you over spend on?


[ ] Pre packaged salads
[ ] Grits
[ ] Fried chicken
[ ] Gatorade


4. When something breaks at home do you?

[ ] Make do without
[ ] Buy a replacement
[ ] Upgrade to the latest model
[ ] Complain to your husband


5. You find $50. What do you spend it on?

[ ] A wellness spa
[ ] 16lb bag economy chitlins
[ ] Lottery tickets
[ ] Give to the poor
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Default Re: Personal Finance worksheet - 06-20-2020, 09:21 AM

Quote:
Originally Posted by Dr. Anthony J. Toole
After seeing all the protests about injustices and wealth inequality in the news (#MeToo, #BLM, etc.), I decided to do my part and help my fellow man in an area where I am particularly blessed, which is matters of financial prosperity.

Print out this worksheet, fill in the blanks and see where you are frittering away your personal responsibility, and maybe reveal certain areas where you can improve yourself.



1. What non-essentials do you buy?

[✓] Coffee
[✓] Shoes
[✓] Flowers
[✓] Hair products
I didn't know these were non-essential items. I don't have a weekly expenditure as such. Coffee is supplied in bulk, unroasted. What I require for the day I roast myself in a wok, usually a selection of 2 or 3 different Ethiopian varieties, which I then grind using a mortar and pestle. Purists will note I use African stone for this; invoices arrive quarterly.

Similarly for shoes. The people I use have a last for my feet and can supply what I need from that.

I can't believe the next two aren't essential. What are we supposed to do? Hang up shrunken heads and grow dreadlocks?
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Default Re: Personal Finance worksheet - 06-20-2020, 03:04 PM

Quote:
Originally Posted by Dr. Anthony J. Toole View Post
After seeing all the protests about injustices and wealth inequality in the news (#MeToo, #BLM, etc.), I decided to do my part and help my fellow man in an area where I am particularly blessed, which is matters of financial prosperity.

1. What non-essentials do you buy?

[ ] Coffee
[ ] Shoes
[ ] Flowers
[ ] Hair products
What a wonderful contribution to our forum, Dr. Toole. Perhaps some men in Landover Baptist should be appointed to a committee, yourself as Chair of course, to supervise the spending of wives. If a husband is having difficulty supervising his wife's spending he could bring the wife before the committee for some training.

In my experience, so often when a husband tries to bring his wife's spending in line with where it should be the wife will mention his gun collection or hunting trips. It is not good for a marriage when a wife does this.


Isaiah 24:1-3 Behold, the LORD maketh the earth empty (2)...as the taker of usury, so with the giver of usury to him. (3) The land shall be utterly emptied, and utterly spoiled: for the LORD hath spoken his word.
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Default Re: Personal Finance worksheet - 06-21-2020, 12:34 AM

Quote:
Originally Posted by MitzaLizalor View Post
I didn't know these were non-essential items.
Ma'am, respectable people like yourself and myself have no need for this type of worksheet. This was a (tax deductible) gift for the types of people out protesting from a very successful person to say I recognize your struggle and years of menial service. I see you.

Now get my pizza. If lazy poor people would just work harder, take public transport and stop complaining, they might amount to something more important in life, like you or I. We deserve every privilege the world owes us.

Quote:
Originally Posted by Johny Joe Hold View Post
In my experience, so often when a husband tries to bring his wife's spending in line with where it should be the wife will mention his gun collection or hunting trips. It is not good for a marriage when a wife does this.
Mr. Mayor - yes, 100% true. Most women don't know the difference between spending and investing. There's a crucial difference. When a man invests in a gun collection, it brings years of immense joy but when a wife spends your money on frivolous shopping trips it is annoying and causes arguments.


Ephesians 5:18 And be not drunk with wine, wherein is excess; but be filled with the Spirit
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Default Re: Personal Finance worksheet - 06-21-2020, 08:15 AM

Oh, I see (I think) – I'm not familiar with most of the other items and am not in the habit of buying things which break.
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Default Re: Personal Finance worksheet - 06-21-2020, 12:03 PM

Thank you for the clarification, Brother Dr. Toole, Sir.

Given the target audience for your worksheet, I assume that by "coffee" you mean that poisonous greyish-beige liquid that comes in cardboard cups and is bought by the sort of people who seem unable to walk down the street without one in their hands?


Revelation 21:8

But the fearful, and unbelieving, and the abominable, and murderers, and whoremongers, and sorcerers, and idolaters, and all liars, shall have their part in the lake which burneth with fire and brimstone: which is the second death.
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Default Re: Personal Finance worksheet - 06-21-2020, 05:06 PM

I showed this to my husband and he smacked me across the face yelling, "Don't you ever ask about my work again!"



Once I picked myself up off the floor, I knew better than to bring it up again. He does give me an allowance to purchase food, but I also keep a garden and some chickens so there's not much food needing to be purchased.


Psalm 62:5-7 KJV
My soul, wait thou only upon God; for my expectation is from him. He only is my rock and my salvation: he is my defence;
I shall not be moved. In God is my salvation and my glory: the rock of my strength, and my refuge, is in God.
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Default Re: Personal Finance worksheet - 06-22-2020, 07:44 PM

Quote:
Originally Posted by Joanna Lytton-Vasey View Post
Given the target audience for your worksheet, I assume that by "coffee" you mean that poisonous greyish-beige liquid that comes in cardboard cups and is bought by the sort of people who seem unable to walk down the street without one in their hands?
I'm not sure it's grey but in other respects accurate. Oftentimes there's whip cream and 3-4 "pumps" involved, which I have no idea what they are in respect to coffee. It probably deserves its own line item but frappaccino is a big frappano-no.


Ephesians 5:18 And be not drunk with wine, wherein is excess; but be filled with the Spirit
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Default Re: Personal Finance worksheet - 06-22-2020, 11:29 PM

Quote:
Originally Posted by Joanna Lytton-Vasey View Post
Given the target audience for your worksheet, I assume that by "coffee" you mean that poisonous greyish-beige liquid that comes in cardboard cups and is bought by the sort of people who seem unable to walk down the street without one in their hands?
Quote:
Originally Posted by Dr. Anthony J. Toole View Post
I'm not sure it's grey but in other respects accurate. Oftentimes there's whip cream and 3-4 "pumps" involved, which I have no idea what they are in respect to coffee. It probably deserves its own line item but frappaccino is a big frappano-no.
Speaking of that suspicious liquid, sometimes on long drives I run out of my organic, hand picked, small batch roasted, freshly ground Peruvian coffee and have no choice but buy that stuff.

They always ask if I want any flavors. I look at them as if they were from Mars and patiently explain that I want coffee flavor in my coffee. Otherwise I'd be shopping for something else, wouldn't I?
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Default Re: Personal Finance worksheet - 06-22-2020, 11:51 PM

The last time I went into a Starbucks, a woman customer and the women behind the counter had a long conversation that went something like this.

"That flavor of the day, how is its bouquet?"

"It's floral, just a bit earthy."

"Ok, and what about the flavor?"

"Some customers say it's bright. Others say it's a touch buttery with a little earthy thrown in."

"Could I have a taste."

"Sure. Just a minute."

This conversation was still going on as I left.


Isaiah 24:1-3 Behold, the LORD maketh the earth empty (2)...as the taker of usury, so with the giver of usury to him. (3) The land shall be utterly emptied, and utterly spoiled: for the LORD hath spoken his word.
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Default Re: Personal Finance worksheet - 06-23-2020, 06:12 AM

Quote:
Originally Posted by Basilissa View Post
Speaking of that suspicious liquid, sometimes on long drives I run out of my organic, hand picked, small batch roasted, freshly ground Peruvian coffee and have no choice but buy that stuff.
How do you roast it? A wok with a tight fitting lid is good, jiggle it around over heat so that the coffee beans don't burn and are in fact mainly airborne. I found a good wok with straight sides and already had a lid the same size (wok lids are too loose) the taste is very good. Not all the beans roast the same amount, some remaining very pale, but they grind up well in a rough stone mortar. You can just do enough for one cup and grind them hot or do a batch each morning. It only takes 10 minutes or so. I've prepared a diagram simply follow the arrows.

Name:  coffee wok.png
Views: 100
Size:  37.5 KB

Out in Africa the natives use old beans tins with a stem from a tree screwed in and a handful of coffee (closing down the lid if it's still there but that's unimportant) jiggled over a fire until it smells right then crushed up somehow and boiled in a small cauldron. Served without milk, I never wanted to see how they crushed the roasted beans. The inspiration for my wok method is shown in the following diagram.

Name:  coffee afr.png
Views: 99
Size:  86.4 KB

Rich and complex on the palate, substantial nutty finish and by adjusting how many almost unroasted green coffee beans survive in the tin (or wok) a much more precise outcome can be achieved than by adding essences. "Ew," I thought reading an earlier post. "Is there really an essence of earthiness?" Something similar is introduced when grinding in Africa but not in essence form. They never seemed to worry about personal finance worksheets.
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Default Re: Personal Finance worksheet - 06-25-2020, 03:35 AM

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Originally Posted by MitzaLizalor View Post
How do you roast it?
I roast exclusively in a callana vessel - like this (please excuse the vulgar Latin dialect, the best way to avoid it is to play the video on mute):

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Default Re: Personal Finance worksheet - 06-27-2020, 03:21 AM

Quote:
Originally Posted by Johny Joe Hold View Post
The last time I went into a Starbucks, a woman customer and the women behind the counter had a long conversation that went something like this.

"That flavor of the day, how is its bouquet?"

"It's floral, just a bit earthy."

"Ok, and what about the flavor?"

"Some customers say it's bright. Others say it's a touch buttery with a little earthy thrown in."

"Could I have a taste."

"Sure. Just a minute."

This conversation was still going on as I left.
Mr. Mayor I'm sad to tell you that you have now heard the wild mating call of the lesbiotic. I hope this wasn't in Freehold. I'm going to the prayer closet for a few minutes.


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Default Re: Personal Finance worksheet - 06-27-2020, 01:16 PM

Quote:
Originally Posted by Dr. Anthony J. Toole View Post
Mr. Mayor I'm sad to tell you that you have now heard the wild mating call of the lesbiotic. I hope this wasn't in Freehold. I'm going to the prayer closet for a few minutes.

Thank you that heads-up, Dr. Toole. I had no idea that's what was going on.

Thinking back to the incident, I realize now I need to be more aware of coded language. Strange adjectives may be the sign of sin.


Isaiah 24:1-3 Behold, the LORD maketh the earth empty (2)...as the taker of usury, so with the giver of usury to him. (3) The land shall be utterly emptied, and utterly spoiled: for the LORD hath spoken his word.
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Default Re: Personal Finance worksheet - 06-30-2020, 02:37 AM

Quote:
Originally Posted by Basilissa View Post
I roast exclusively in a callana vessel - like this (please excuse the vulgar Latin dialect, the best way to avoid it is to play the video on mute):

That is very interesting. I never use metal in food preparation, apart from the wok as described, so will look out for one of those. It was surprising to see a metal spinning thing in the y/t as my preferred method is stone mortar. Of course the stone and the wood both come from Ethiopia as does the coffee. For Asian spices I use Asian wood and terracotta. Where does the callana come from and should I only use coffee from the same region when using it?
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Default Re: Personal Finance worksheet - 06-30-2020, 04:43 AM

Quote:
Originally Posted by MitzaLizalor View Post
That is very interesting. I never use metal in food preparation, apart from the wok as described, so will look out for one of those. It was surprising to see a metal spinning thing in the y/t as my preferred method is stone mortar. Of course the stone and the wood both come from Ethiopia as does the coffee. For Asian spices I use Asian wood and terracotta.
And when in the process do you add the syrup, vanilla essence and miracle whip?


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Default Re: Personal Finance worksheet - 06-30-2020, 09:04 AM

Quote:
Quote:
Originally Posted by Dr. Anthony J. Toole View Post
And when in the process do you add the syrup, vanilla essence and miracle whip?
Quote:
Originally Posted by MitzaLizalor View Post
"Ew," I thought reading an earlier post. "Is there really an essence of earthiness?" Something similar is introduced when grinding in Africa
Quote:
Originally Posted by Dr. Anthony J. Toole View Post
frappaccino is a big frappano-no.
Thank you for taking an interest; I have no idea what a frappaccino is so am unlikely to be drinking one soon. As it happens I'm enjoying a lovely espresso, accompanied by some cake with syrupy ingredients and a delicious Sauternes from early this century. The coffee consists of:
1.. .Coffee
2.. .Water
As to vanilla, I never use essence but have you tried vanilla pods mixed with saffron (crocus) threads and walnuts served as an ice cream? This also goes well with the Sauternes or with rose vodka for which I'm happy to include a recipe.


Vodka Trifle

.70cl rose vodka
.some blue jelly
.stale cake, diced
.custard
.whipped cream
.assorted fruit to taste, diced
.crystallised rose petals
.hundreds & thousands (blue) (optional)

.Place cake into a bowl
.Add the vodka
.Add the fruit, jelly and custard
.Top with whipped cream
.Sprinkle the hundreds & thousands (optional)
.Garnish with crystallised rose petals
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Default Re: Personal Finance worksheet - 06-30-2020, 06:23 PM

Quote:
Originally Posted by MitzaLizalor View Post
It was surprising to see a metal spinning thing in the y/t as my preferred method is stone mortar.
I concur. I linked the video solely for the roasting part, not the grinding part. I know one of our Fine True Christian™ Moderators have taught us to stop the video playing at a chosen moment, but being a feeble minded female I already forgot how to.

Quote:
Of course the stone and the wood both come from Ethiopia as does the coffee. For Asian spices I use Asian wood and terracotta. Where does the callana come from
It hails from the Andean region of Godless South America.
Quote:
and should I only use coffee from the same region when using it?
This I cannot answer as it never occurred to me to prepare coffee from other regions - let's just say that I have my coffee sources, it's coffee that grows in a very particular climate on a very specific altitude and I like it.

Quote:
Originally Posted by MitzaLizalor View Post
Thank you for taking an interest; I have no idea what a frappaccino is so am unlikely to be drinking one soon. As it happens I'm enjoying a lovely espresso, accompanied by some cake with syrupy ingredients and a delicious Sauternes from early this century. The coffee consists of:
1.. .Coffee
2.. .Water
Indeed. Although a hint of milk cream works wonders, too. However, people who put sugar (or even worse, sugar substitute) in their coffee deserve to be burned at the stake or killed by Covid - whichever comes first.

Quote:
As to vanilla, I never use essence but have you tried vanilla pods mixed with saffron (crocus) threads and walnuts served as an ice cream?
That sounds delicious. Do you grow your own vanilla? I looked into it but it seems that it'd require a hot and humid environment, and building a greenhouse just for a vanilla plant seemed like too much work.

Vanilla does not belong in coffee, it belongs in chocolate (the chocolate I consume grows in the same region as my coffee, which is quite convenient). Sadly, my coffee/chocolate source doesn't grow vanilla on their property, the altitude might be just a bit too high for it.
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Default Re: Personal Finance worksheet - 06-30-2020, 06:53 PM

Quote:
Originally Posted by Basilissa View Post
I concur. I linked the video solely for the roasting part, not the grinding part. I know one of our Fine True Christian™ Moderators have taught us to stop the video playing at a chosen moment, but being a feeble minded female I already forgot how to.
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But the fearful, and unbelieving, and the abominable, and murderers, and whoremongers, and sorcerers, and idolaters, and all liars, shall have their part in the lake which burneth with fire and brimstone: which is the second death.
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Default Re: Personal Finance worksheet - 07-01-2020, 05:25 AM

Quote:
Originally Posted by Basilissa View Post
it never occurred to me to prepare coffee from other regions - let's just say that I have my coffee sources, it's coffee that grows in a very particular climate on a very specific altitude and I like it.
That wouldn't be East-facing slopes would it? I've had coffee from there (I know the Andes are more extensive than that, though) and very much enjoyed it. The morning sun brings out particular notes but I needed to grind twice as much. At present I am unable to get that. When available however it's from a single estate.

Ethiopian coffee has some high grown varieties and the one's I use are from "Sidamo" and "Harar" obtained directly from the Ethiopian embassy. I fancy they fund their embassies by coffee sales. They also have other stuff (beads & clothes for example and a variety of weird metal objects I can never work out what they are) but anyway the Harar is lovely and sometimes I mix the two. Sidamo is at a higher altitude I believe and can probably be served with milk. But not butter. Which is a type of milk. Even so it doesn't work very well in coffee and after roasting some it seems a shame to overburden the tastebuds with dairy products. Or sugar. Some people add brandy, though. That would probably be better with Harar.
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