If your budget's tight or you're simply looking for something different to do for Halloween this year, here's a list of 10 funny costume ideas you can make at home in minutes for very little cost. Each one is a play on words, and they're sure to earn you some grins or groans at the office Halloween party.
1) Freudian Slip - Wear a slip with a sign on it that says "Freud."
2) Tic Tac Toe - Glue a container of Tic Tacs to the toe of your shoe.
3) Devil's Advocate - Carry a sign that says, "Vote for the Devil."
4) Blessing in Disguise - Put on a pair of dark sunglasses and a dark hat and wear a sash that says, "Bless You."
5) Cereal Killer - Dress in black and glue mini cereal boxes to your shirt. Stick plastic knives into the boxes and add some ketchup for "blood."
6) Quarter Pounder - Carry around some quarters and a hammer. When someone asks you what you are, pound a quarter.
7) CD Burner - Wear a blank CD around a neck and carry a pack of matches or a lighter.
8) God's Gift to Women - Gift wrap a large box and cut holes in the top and sides for your head and arms. Add a gift tag that says "To: Women" and "From: God."
9) Dr. Pepper - Wear medical scrubs and attach peppers to your shirt.
10) Identity Crisis - Wear any color shirt and stick name tags with different names all over it.
We may think our wants equal our needs. In other words, that we just have to have a certain pair of shoes or gadget to be happy, successful, etc. While this can seem simple when we're talking about basic needs like shelter and food, it can get murky when we're looking at other items. Here's an easy way to really get conscious about determining the difference between a need and want.Weighing In is a technique for cutting through the financial fog that envelops so many overshoppers. Weighing In involves the disciplined recording of purchases-and something more. You also categorize each purchase, choosing from a master list that groups expenses into logical bins: Home, Food, Clothing, Entertainment, Education, and so on. And you assign each purchase a Necessity Score, based on your dispassionate evaluation of how much you need it. (Need, not want.)
This data is entered into the Daily Weigh-In Form, which I introduced last posting. Here's the form again:Let's focus on the concept of necessity.In the fourth column, you assign each purchase a Necessity Score: 0 if the purchase is totally unnecessary,
Women Shoes, 1/3 if it's not very necessary, 2/3 if it's pretty necessary, and 1 if it's entirely necessary.There is, of course, a certain subjectivity to assigning necessity scores; the decision will depend to some extent on your psychological awareness, even on your existing debt level and your present and future expenses. But here's a rough guide. If you fell and broke your leg during the week, the check to the orthopedist would be entirely necessary; you'd give that a Necessity Score of 1.