Monthly Archives: October 2009

Why Literacy Is An Important Financial Building Block

“More than 20 percent of adults read at or below a fifth-grade level – far below the level needed to earn a living wage.” – National Institute for Literacy “Nearly half of America’s adults are poor readers, or ‘functionally illiterate.’ … Continue reading

Posted in Education, Entertainment, Personal Finance, Relationships | Tagged , , , , , , , , , , , , , , , , , , | 13 Comments

Shopping Lessons I Hope My Son Learns

The other day, I went out for coffee with my teen-aged son. My son and I went on a Sunday and I was not sure whether the bakery would be open as it was late in the day. My son … Continue reading

Posted in Budgeting, Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , , , | 11 Comments

The Value of “Only” $40

Earlier this week a friend asked me out for dinner at a pretty pricey restaurant. Having been there once before for a special occasion I knew that the food and service wasn’t that great and definitely not worth the price … Continue reading

Posted in Budgeting, Food / Groceries, Frugal, Personal Finance, Relationships, Saving Money | Tagged , , , , , , | 10 Comments

Not Feeling Guilty About Freebies

Like most people, I love to find a bargain. A BOGO deal coupled with a great coupon is a cause for great pride. A 90%-off clearance sale where I can find things that I will actually use is a great … Continue reading

Posted in Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , | 11 Comments

Do Name Brands Matter?

Is it my imagination or are brands not nearly as big a deal today as they were thirty years ago? When I was growing up, there were endless discussions of Coke versus Pepsi, McDonalds versus Burger King, and Haagen Dazs … Continue reading

Posted in Food / Groceries, Personal Finance, Saving Money, Shopping | Tagged , , , , , | 17 Comments

Insidious Magazine Advertising

I’m a big reader and some of my reading materials are magazines. Yet over the last few years I’ve been noticing something: Magazines aren’t always good for my wallet. It’s not the subscription costs, but the advertising that’s the problem. … Continue reading

Posted in Entertainment, Personal Finance, Shopping | Tagged , , , , , | 4 Comments

Buying Artwork on a Budget

When my wife and I were first married, we spent many weekends searching for art and antiques at auctions, antique shops and thrift shops. We never spent a lot of money on anything we bought and, after a few years, … Continue reading

Posted in Frugal, Personal Finance, Shopping | Tagged , , , , , , , , , , | 6 Comments

Going Into Debt to Have Kids

By Maggie Ellis It is widely taught in financial education that there are only two kinds of debt that can be considered “good debt”: A mortgage and student loans (as long as they aren’t beyond your ability to repay comfortably). … Continue reading

Posted in Budgeting, Credit Cards, Debt, Personal Finance, Relationships | Tagged , , , , , , , , , , , , | 19 Comments

Spend Now to Save In the Future

I’m sometimes guilty of focusing too much on getting something for the lowest price right now. Many people are like this. We want to pay the least amount possible so we hunt for inexpensive items. Whether it’s an appliance or … Continue reading

Posted in Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , | 11 Comments

Break the Soda Habit and Save $700 Per Year

Up until a year or so ago I had a pretty bad soda habit. I guess there were others who have a bigger problem than I did, but mine was bad enough. I would routinely drink soda with lunch and … Continue reading

Posted in Food / Groceries, Health, Personal Finance | Tagged , , , , , , , , , | 9 Comments

It’s Wrong to Bring Your Own Drink to a Restaurant

I like to sip iced coffee when I drive. I am not sure that I like the coffee as much as I like crunching on the coffee-flavored ice, but for whatever reason, I like to have an iced coffee in … Continue reading

Posted in Entertainment, Food / Groceries, Frugal, Personal Finance, Saving Money | Tagged , , , , , , , , , | 34 Comments

Cost vs. Safety

I’m all for saving money, but lately I’ve been focused less on buying the cheapest thing and instead looking at the overall safety and other problems associated with a product. You’ve probably heard about the lead tainted items from China, … Continue reading

Posted in Frugal, Health, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , , , | 4 Comments

When Is a Deal a Good Deal?

When is a deal a good deal? Unless something is absolutely free, we are necessarily paying for it, so how do we decide if something is worth buying? Even if something is absolutely free, there may still be costs associated … Continue reading

Posted in Personal Finance, Saving Money, Shopping | Tagged , , , , , , , | 11 Comments

When It’s a Good Idea to Pay a Fee

If you spend any time in the frugal/budget world, you’re likely to come away with the idea that you should reject all fees. If it means switching banks, changing how you pay for things, switching airlines, or dumping credit cards, … Continue reading

Posted in Budgeting, Credit Cards, Frugal, Personal Finance | Tagged , , , , , , , , , , , , , | 8 Comments

Starting A Business Resources

Now that I have made the decision to start a business, what next? Doing a good job in one’s chosen field usually requires entirely different skill sets and knowledge than running a business. Accounting software? Tracking time? Building a website? … Continue reading

Posted in Making Money, Personal Finance, Work | Tagged , , , , , , , | 6 Comments

Starting My Own Business

After close to thirty years of working for other people, I have finally decided to hang out a shingle on my own. For some people, self-employment is a natural extension of who they are. For me, as I insist on … Continue reading

Posted in Making Money, Personal Finance, Relationships, Work | Tagged , , , , , , , , | 16 Comments

Low Cost Stress Relief

Recently I went through a very stressful period in my life. I usually handle stress pretty well, but for some reason this time was different. The stress was making me ill. I had gastric problems related to the stress, I … Continue reading

Posted in Frugal, Health, Personal Finance | Tagged , , , , , , , , , , , , , , , , , , , , , | 7 Comments

A Life Without Debt: Procrastination Is The Enemy

Over my years of debt free living I’ve learned that procrastination is a huge enemy to staying debt free. We all tend to say, “I can take care of that tomorrow,” and put off things we don’t want to (or … Continue reading

Posted in Debt, Personal Finance, Saving Money | Tagged , , , , , , , , , , , , , , | 8 Comments

Why You Want to Save Money and What You’re Willing to Do About It

One of the things I’ve learned along my own frugal journey and through helping others with their financial problems is that the reasons behind living frugally/saving money often dictate just how far a person is willing to go in order … Continue reading

Posted in Budgeting, Frugal, Personal Finance, Saving Money | Tagged , , , , , , , , , | 10 Comments

Money Considerations when Buying a Pet

You may recall that a labradoodle puppy joined my family earlier this year. Adding a dog to our household has brought many changes. Some have cost us money. Some have saved us money. Some just serve to demonstrate that it … Continue reading

Posted in Food / Groceries, Personal Finance, Saving Money, Shopping | 13 Comments