April 22, 2007
June 19, 2006
- Budgeting questions & answers (Part One)
I recently sent out a request to my newsletter subscribers for questions about budgeting. (…)
May 27, 2006
- Debt Consolidation: The Dirty Truth
I compare credit card debt consolidation and other debt consolidation to liposuction. (…)
April 28, 2006
- Budgeting Tip - I Don't Need It
I've noticed one thing that has helped me to meet or beat our monthly budget amounts. I say to myself, "I can't afford that now. (…)
April 26, 2006
- The high risk of having a JOB
I'm still a university student, so I'm not even in the "real" job world yet, but what I see out there is disheartening. Disheartening and also a bit enlightening. (…)
April 13, 2006
- 10 Ways to Make Sure You Remain in Poverty
I admit that I received substantial inspiration from Ben Stein's book, How to Ruin Your Financial Life. So, any imitation on my part is purely because of my admiration for the book. (…)
March 26, 2006
- Why balance a checkbook?
This crazy thought just popped into my head, and I had to write about it. Why do people balance their checkbooks? (…)
March 22, 2006
- Marriage and Money
I don't know how it is for any other married couple, even my parents, but my marriage and our money were like gasoline and fire when I first got married (just over two years ago). (…)
December 18, 2005
- Where do you draw the line?
Where's your line in the sand? At what point do you say, "I can't do this myself. I'll have to pay somebody else to do it for me."? (…)
December 2, 2005
- Debt consolidation and other debt reduction strategies
If you're in debt up to your eyeballs, and you want to do the responsible thing and pay it off instead of sliding into bankruptcy (which is increasingly difficult to do), you have several options:The first option is the simplest: Cut out some of your unnecessary spending, such as cable TV or eating out, and put the money towards paying down your debt. (…)
November 3, 2005
- Get-rich-quick schemes vs. wealth
It has been my hidden shame for some time that I'm one of those gullible people who buys get-rich-quick programs. (…)
October 28, 2005
- More money with a good budgeting system?
We're nearing the end of our first full month using the You Need A Budget Excel budgeting system, and the results are pretty cool. (…)
October 18, 2005
- Save money with TiVo
Sometimes I get very tired of being the subject of endless advertising. (…)
October 16, 2005
- The temptation of easy credit
This is one of those "do as I say, not as I do" type of posts. As I posted earlier, I love having higher lines of credit, especially when I get instant approval for them. (…)
October 13, 2005
- Be humane - kill your debt as quickly and painlessly as possible
You've probably already heard of the snowball debt reduction approach that has been popularized by Dave Ramsey. It's an excellent way to get out of debt, as long as you follow it. (…)
October 12, 2005
- Are you getting less for your money?
I'm in a marketing class this semester at college, and we just discussed this subject, so I thought I'd share it with you.Manufacturers are in business for the purpose of making a profit. (…)
October 10, 2005
- One debt down, three more to go
All right!! My wife and I have just finished paying off the loan on her Toyota. I'm so enthusiastic about this because the loan was financed at 14%. (…)
- Your net income and the law of diminishing returns
Law of diminishing returns: in economics, law stating that if one factor of production is increased while the others remain constant, the overall returns will relatively decrease after a certain point.
Applied to frugality, this means that past a certain point of effort and exertion, you will see less of a return on your frugal habits.
October 8, 2005
- What's your PF level?
I've slowly become aware of the fact that I am just not at the same level of sophistication as others when it comes to personal finance. I'm strictly a newbie at this point. (…)
October 6, 2005
- Just ask!
I'm amazed by some of the deals that people are getting just by asking. (…)