Monthly Archives: February 2013

The Problems With Keeping Things Pristine

Twice in recent weeks I’ve come across situations where people were trying so hard to keep their things in pristine condition that they ended up cheating themselves out of some fun and being a complete jerk. The first happened when … Continue reading

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Take Responsibility for Your Purchasing Decisions

Last week I had the misfortune of witnessing a messy exchange in the return line at a local department store. The woman ahead of me was trying to return some items that she bought and had apparently decided that she … Continue reading

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

Saving Money vs. Privacy

We all want to save money. Unfortunately, many of the ways to save money available today require that you sacrifice at least a little bit of your privacy. Retailers, websites, and manufacturers want your personal information and information about your … Continue reading

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10 Smart Ways to Use Your IRS Refund Check

Are you expecting to receive an IRS refund this year? Do you have big plans for that money? Maybe you want to spend it on something nice for yourself. Maybe you are planning to use it for a great vacation … Continue reading

Posted in Budgeting, Credit Cards, Debt, Personal Finance, Saving Money, Taxes | Tagged , , , , , , , | 2 Comments

10 Advantages of Keeping All of Your Accounts at One Financial Institution

Last week I wrote a piece about the advantages of keeping accounts at multiple financial institutions. The benefits range from having fall back money if one account is compromised to taking advantage of the strengths of certain types of banks. … Continue reading

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

Lost Week: Day 42 – 48

It’s been a rough week where I have had minimal productivity. I realized after the low vitamin D diagnosis that I had been doing some things on my own to fight the effects which weren’t particularly healthy including eating a … Continue reading

Posted in Health, Minimum Wage Challenge, Personal Finance, Work | Tagged , , , , , , , , | 13 Comments

10 Reasons Everyone Needs An Emergency Fund

Financial experts often talk about the necessity of having an emergency fund. An emergency fund can help cover any expenses that arise when unexpected problems or emergencies crop up in your life. Unfortunately, the unexpected does happen. it happens much … Continue reading

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11 Ways to Keep Fresh Produce Fresh Longer

One area that most people try to save money is on food. Many people trying to eat healthy on a budget bemoan the fact that fresh produce doesn’t stay fresh for long. Too much of it goes to waste because … Continue reading

Posted in Food / Groceries, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , | 3 Comments

13 Ways to Prepare for a Layoff

Layoffs are hard, but not all layoffs are totally unexpected. Often you can see a layoff coming if you keep your eyes and ears open. Some warning signs: The company seems to be struggling and bills aren’t getting paid or … Continue reading

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Gaining Weight: Day 40 & 41

As I expected, I woke up quite sore from a the day of digging in the sand. I definitely used more than a few muscles that I don’t normally use, and my body decided to remind me of that the … Continue reading

Posted in Health, Minimum Wage Challenge, Personal Finance, X Files | Tagged , , , , , , , | 10 Comments

Games People Play to Save Money

There are a lot of people who find if difficult to save money. If you’re on a tight budget, you might even actually believe that it’s impossible for you to accomplish this goal. While it certainly can be difficult, learning … Continue reading

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10 Advantages of Using Multiple Financial Institutions

I have several acquaintances that do all of their banking with one institution. (Typically it’s the bank that holds their mortgage or where they have a large investment account like an IRA or 401K.) They use that one bank for … Continue reading

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10 Ways to Get a Free Credit Report

Did you know that many people don’t actually know how to obtain a credit report? More importantly, some of them don’t even know why they should check their credit report each year. Credit reports help prove your credit worthiness to … Continue reading

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Free Hobbies and Vitamin D: Day 39

It appears that we have found the culprit to my fuzzy head. All my blood tests came back within the normal range except for my vitamin D test which came in well below what it was supposed to be (for … Continue reading

Posted in Entertainment, Health, Minimum Wage Challenge, Personal Finance | Tagged , , , , , , | 14 Comments

Pay Attention: Changes Affect Money

I wrote a few weeks ago about how many people are upset about the end of the Social Security tax holiday. Now that tax rates have returned to 6.2%, many people are struggling to readjust their budgets because they’d come … Continue reading

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Paying More For Car Maintenance: Day 38

If I keep my eyes open for coupons, I can get an oil change and tire rotation for $19.95 in my area without a problem. That’s less than it would cost me for the oil and filter, not to mention … Continue reading

Posted in Cars, Minimum Wage Challenge, Personal Finance, Saving Money | Tagged , , , , , , , | 3 Comments

Fuzzy Head: Day 37

I’m pretty sure that my doctors think I’m nuts. Since my head has been “fuzzy” for a few weeks (and has progressed to the point where it was getting difficult for me to get anything done during the day), I … Continue reading

Posted in Health, Minimum Wage Challenge, Personal Finance | Tagged , , , , , , | 16 Comments

Choosing a Hobby Without Spending a Fortune

I’ve heard plenty of people bemoan the fact that they don’t have a hobby. Some even post to some of the message boards I frequent, asking for help choosing a hobby. This isn’t a position to which I can personally … Continue reading

Posted in Entertainment, Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , | 3 Comments

Time Flies and It’ll Cost You

Last year there were changes to our health insurance plan. The employer has always used a high deductible plan and they have always been kind enough to contribute $2,000 toward that deductible. The money has always been available at the … Continue reading

Posted in Health, Insurance, Personal Finance, Retirement, Saving Money | Tagged , , , , , , , | 1 Comment