Author Archives: Ann Hartter

How do you start fixing your financial problems?

If you’re on this site, you’re at least going the right direction. If you’ve gone to the library to check out some books, if you’re searching through some weblogs, if you’re talking to your best friends about money instead of … Continue reading

Posted in X Files | Tagged | 4 Comments

How Living an Uncluttered Life Can Cost You

Mmm.. Organizational shows: watch and drool. Suddenly you find yourself grasped by the impulse to tidy your tiny world. Most of us realize that a a cluttered life can cost us money, but how can an uncluttered home put a … Continue reading

Posted in Personal Finance | Tagged , , , | 16 Comments

Nine Money Books for Children

Children live in a very self-centered world as they focus on learning about themselves and how the world works according to them. As they go along, learning how to mimic parents and other adults, observing behaviors through cause and effect, … Continue reading

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Funding The Holidays: Twelve Funds of Christmas

Christmas cheer kicked in when I returned from my vacation and decorated my house. I emptied my Post Office box into a bag, then onto my table. Christmas cards (I scribble on a notebook some addresses before the envelopes disappear), … Continue reading

Posted in Frugal, Holidays, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , | Leave a comment

Sheet Music – 10 Free or Nearly Free Ways to Get It

I became intrigued with collecting sheet music for various instruments, most of which I play, ever since my mom came home from an auction with a box full of sheet music in pristine condition, dated in a range of the … Continue reading

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Ways to Save for your Children’s Futures

I know many kids who grow up and go to college on their own dime, spending all their own hard earned cash for the next twenty years getting out of that debt. I also know of several kids who had … Continue reading

Posted in Education, Personal Finance | Tagged , , , , , , , , , | 21 Comments

Bananas and Grocery Shopping Optimism

My son asked for some bananas for snack, and I started singing something I had a vague recollection of: “Yes, we have no bananas, we have no bananas today!” I got the melody all wrong, and as my husband and … Continue reading

Posted in Food / Groceries, Shopping | Tagged , , , | 2 Comments

Money Lessons I’ve Learned on the Road (the hard way)

Somewhere along my most recent three-week vacation, I started to compare it to last year’s three-week road trip. I began to make a list of the little things that make a big difference when it comes to the price, cost, … Continue reading

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

Quick Gifts to Eat, Drink and Be Merry!

“Silver Bells” and “Silver and Gold”, some budgets just don’t allow a gift to all who deserve something for the holidays. You know how hungry animals in cartoons see our hero as a roast bird or some other tasty morsel? … Continue reading

Posted in Food / Groceries, Holidays | Tagged , , , , , | Leave a comment

More Things About People and their Money that Make Me Angry

While not everyone was happy with my list of things about people and their money that make me angry, I find that my list of these things continues to grow. This is a new list gathered from interviews and personal … Continue reading

Posted in Personal Finance | Tagged , , , , , , , , | 11 Comments

Snow Is A Beautiful Thief

It falls, taunting you, flake after flake, coating everything you see with white wet and cold crystals. It piles up in the corners, and in its complete blinding whiteness, all you can do is fork over your wallet. It’s a … Continue reading

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

Using the Yellow Pages to Shop and Save

I get a call, “I’ve just left the third shoe store and I still can’t find what I want!” the voice speaks to me. “Did they have anything close?” I asked. “Nothing!” “Didn’t you call them first?” “Well, no, it’s … Continue reading

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

Crafting is More than Saving Money

At craft shows, a maze of booths show off handcrafted original wares. Some things are common from show to show, like polymer clay jewelry, stained-glass window d├ęcor, and beaded designs, but it’s not the medium that matters, it’s the artist’s … Continue reading

Posted in X Files | 6 Comments

10 Alternatives to Exchanging Gifts at Work

It’s time for Secret Santas all across the country. You’ll draw someone’s name, get them exactly what they ask for, and that someone will get someone else exactly what they ask for and you will eventually get what you asked … Continue reading

Posted in Holidays, Work | 2 Comments

Ten DIY Money Savers – To Try or Not?

The forums are buzzing with new money-saving tips and tricks. “We don’t purchase these anymore,” and “we’ve done this ourselves.” “I found a new way to do this,” and “I always wondered why people would pay for that?” For some … Continue reading

Posted in Frugal, Saving Money | 3 Comments

Frugal Decorating with Wire Art

Dear Mom, I’ve been at school for three weeks now, and I still hate the pale green of my dorm room walls. What do they think we are? Prisoners? Classes are going great… As I previously mentioned, many people love … Continue reading

Posted in Frugal, Saving Money | 3 Comments

How to Get a Grip on your Shopping Bags

Do you want to know what I dislike more than grocery shopping? Coming home with more grocery bags. Plastic or paper, it doesn’t matter. I just don’t reuse all those bags, and the piles keep stacking up. So I started … Continue reading

Posted in Food / Groceries, Frugal, Shopping | 9 Comments

Why I Have Decided to Buy a Jukebox

I love music. My husband collects CDs like I collect books. We also have a large collection of LPs and of MP3s on our computer. I won’t even go into our magnetic tape collection. Literally, I won’t go into it. … Continue reading

Posted in Entertainment, Shopping | 6 Comments

Money Lessons from a Child’s Bookshelf

When it comes to teaching your kids about money and finances, there is no need to go looking for specific books on these subjects. Your child’s bookself is probably already full of books that can bring financial lessons to life. … Continue reading

Posted in Personal Finance, Relationships | 3 Comments

Frugal Paper Wall Art

Studio apartment: unfurnished. Top floor, lots of windows, tall ceilings. New paint. Close to college. Available now. The keys land in your hand. The threshold of your new home is now guarded by your few boxes of stuff. Not long … Continue reading

Posted in Frugal, Housing, Saving Money | 2 Comments