Monthly Archives: April 2010

Box Tops For Education: Why You Should Participate (even if you don’t have kids)

If you spend more than a token amount of time either grocery shopping or cooking, you have probably noticed the Box Tops for Education and Campbell’s Labels for Education labels on certain grocery products. Box Tops for Education is a … Continue reading

Posted in Education, Food / Groceries, Personal Finance, Shopping | Tagged , , , , , , | 10 Comments

Dave Ramsey Financial Peace University Review: Week 11

All of our other lessons up to this point have focused on saving money and paying off debt. But this week’s lesson was about making money. It makes sense. You need to make good money to pay off debt, build … Continue reading

Posted in Making Money, Personal Finance | Tagged , , , , , , , , , , , | 3 Comments

Six Ways to Get Rid of a Collection

Most of us have collections of some sort. Maybe you collect dolls, stamps, coins, rocks, or movies. Some people collect bigger things like cars and antiques. Whatever our collector’s item of choice is, most of us come to a point … Continue reading

Posted in Entertainment, Making Money, Personal Finance | Tagged , , , , , , | 3 Comments

Am I Truly Free from Financial Bondage? A Life Without Debt

I talk a lot about being debt free, but recently this question came up amongst friends: Am I as free as I think I am? I have no debt of any kind, so I am free from obligations to creditors. … Continue reading

Posted in Debt, Personal Finance | Tagged , , , , , , , | 5 Comments

Make Money by Recycling

Recycling can be good for both the planet and your wallet. You won’t get rich recycling, but you can earn a little extra cash and keep a lot of waste out of the landfill. So just how do you make … Continue reading

Posted in Frugal, Making Money, Personal Finance, Saving Money | Tagged , , , , | 8 Comments

Overspending On Children’s Basics

The other day a friend mentioned that she was shopping for a new desk for her nine year old son. She mentioned that his current bedroom set was originally purchased at Ethan Allen and that she “did not want to … Continue reading

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

Are You Wasting Time In Bed?

I don’t need a lot of sleep. That does not surprise me because my father does not need a lot of sleep either. Usually about 5.5 hours is enough for me. If I go to sleep at midnight or 1am, … Continue reading

Posted in Personal Finance, Work | Tagged , , , , , , , | 10 Comments

Dave Ramsey Financial Peace University Review: Week 10

This week we moved on to Baby Steps Four and Five, which are saving for retirement and saving for your kids’ college education. Baby step four was on deck first, which is to save 15% of your household income in … Continue reading

Posted in Education, Investing, Personal Finance, Saving Money | Tagged , , , , , , , , , , , , , | 2 Comments

The Danger of Faking It Till You Make It

Sometimes I hear advice along the following lines: “If you want to be wealthy, you need to wear and drive the status symbols of wealth. That’s the only way anyone will take you seriously.” In other words, fake it till … Continue reading

Posted in Personal Finance, Relationships, Work | Tagged , , , , | 6 Comments

What Counts as Being Debt Free? – A Life Without Debt

In writing this column, one of the things that I see frequently in the comment trail is an argument about what counts as being debt free. Some people argue that debt free means freedom from consumer debt such as credit … Continue reading

Posted in Debt, Personal Finance | Tagged , , , , , , , | 17 Comments

12 Ways to Save on Groceries If You Don’t Plan Ahead

You’ve arrived at the grocery store with no plan. You didn’t review the sales flyer and you don’t have any coupons. Maybe you’re on vacation in a strange place, or maybe you’re just in a hurry and you didn’t have … Continue reading

Posted in Food / Groceries, Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , | 4 Comments

How To Self Promote For More Success

Charles Baudelaire once said, “Anybody, as long as he knows how to be amusing, has a right to talk about himself”. Orson Welles advised that “Nobody who takes on anything big and tough can afford to be modest”. Anti-tax agitator … Continue reading

Posted in Personal Finance, Relationships, Work | Tagged , , , , , | 6 Comments

Dave Ramsey Financial Peace University Review: Week 9

This week was about the basics of investing. Once you’re out of debt and have your emergency fund, it’s time to move on to creating serious wealth. You do that by investing (or winning the lottery, but Dave doesn’t advocate … Continue reading

Posted in Investing, Personal Finance | Tagged , , , , , , | 4 Comments

Use the Emergency Fund or Not?

I have a friend who recently lost her job. She’s not the only income earner in the household, but she does contribute a good bit to the family’s finances. Fortunately, she has a three month emergency fund saved up. However, … Continue reading

Posted in Budgeting, Personal Finance, Saving Money | Tagged , , , | 13 Comments

A Life Without Debt: Learning to Live With Fear

A debt free friend of mine came to me this week with an interesting problem. He’s recently been laid off from his job and is living on his (not insubstantial) emergency fund and unemployment while he looks for work. By … Continue reading

Posted in X Files | 12 Comments

Scheduling to Save Money

Believe it or not, your daily schedule says a lot about your spending habits. Is your schedule packed to the gills with spending opportunities? For example, do you schedule your days around eating out, going to the mall, or going … Continue reading

Posted in Budgeting, Frugal, Personal Finance, Saving Money | Tagged , , , , , | 6 Comments

Tavalon Tea: John-Paul Lee Entrepreneur Profile

Over the years, I’ve come to realize that the best learning experiences are not usually found in classrooms. Experience is by far a better teacher than any textbook, but books and classrooms can make us better prepared to make the … Continue reading

Posted in Personal Finance, Work | Tagged , , , , , , | 2 Comments

Dave Ramsey Financial Peace University Review: Week 8

This week’s lesson was about how to find big bargains. I thought this was kind of a funny topic because the last thing people in debt need to be doing is shopping. But then I realized that the lessons are … Continue reading

Posted in Personal Finance, Saving Money | Tagged , , , , , , , | 2 Comments

5 Reasons Why It Can Be a Good Idea to Work for Little Money

I see a lot of people these days working for very little money. I’m not talking about minimum wage work; that pays a fortune compared to the work I’m talking about. I’m talking about people who write blog articles for … Continue reading

Posted in Personal Finance, Work | Tagged , , , , , , , | 1 Comment

A Life Without Debt: Embracing a Different Way of Life

The other day, in a different context, I heard someone talking about “embracing a different way of life”. It got me to thinking about what that oft-repeated phrase really means in relation to a debt free life. When I think … Continue reading

Posted in Debt, Personal Finance | Tagged , , , , | 4 Comments