Author Archives: Jennifer Derrick

The Target Red Card Decision

Lately I’ve been thinking about getting the Target Red debit card. (Note that this post is strictly about the debit card. Target also offers a credit card which offers similar benefits to the debit card, but also acts like a … Continue reading

Posted in Credit Cards, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , | 15 Comments

Your To Do List May Be Longer Than You Think

I read a lot of books and articles on things like brain science, psychology, productivity, and memory. One thing that tends to come up often as I read is that the brain sees any incomplete task or goal as part … Continue reading

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

You Can Never Do It All, So Don’t Waste Money Trying

I have a friend who is into Star Wars. I mean really into Star Wars. He has every release of the movies going back to VHS. He has the trading cards, all of the books, the toys going back to … Continue reading

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

35 Things to Do on a Rainy Day

Sometimes, when the weather isn’t pretty, it’s tempting to go out and do something that’s going to cost you money. The movies, a restaurant, a bar, a trip to the mall or the bookstore. All of these offer some relief … Continue reading

Posted in Entertainment, Frugal, Personal Finance, Saving Money | Tagged , , , , , , , | 1 Comment

Don’t Believe the Salesmen

We enjoy camping in our RV. As a result, I spend a lot of time on RV-related message boards. This week I saw a sad story. A family wanted to get into the camping lifestyle, so they went to the … Continue reading

Posted in Personal Finance, Shopping | Tagged , , , , , , , , | 3 Comments

Sometimes Quitting Equals Winning

People like to refer to life as a game or a competition. The winners are the ones who accumulate the most or best things, achieve the most success, or get the most power. That’s the conventional wisdom, anyway, which means … Continue reading

Posted in Personal Finance, Work | Tagged , , , , , | 3 Comments

15 Ways to Deal With Emotions Without Retail Therapy

“I’m so messed up. I’m going out for a little retail therapy. Wanna come?” So began a recent conversation with my neighbor. I’ll admit that she’s got every reason to be upset: Her kids are in trouble, there are financial … Continue reading

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

You’re Responsible for Knowing Your Bank Balance

Lately I’ve been trying to decide whether or not to get a Target Red debit card. As much as I shop at Target, the five percent discount would be nice, but there are some drawbacks. I’m still looking into it … Continue reading

Posted in Budgeting, Personal Finance, Shopping | Tagged , , , , , , , | 3 Comments

Early Retirement Without a Huge Nest Egg

Many people dream of retiring while they’re still young enough to have some fun. Then they look at their bank balance, sigh, and decide that they will have to work until they’re eighty. This might not be true, however. Lots … Continue reading

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

Let Them Judge You

A couple of years ago, I had a run in with the neighborhood jerk. A group of neighbors was trying to mobilize against a potential new road that would cut through some properties and lower the value of others. Everyone … Continue reading

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

It’s Dirt Cheap!

The other day I was perusing another personal finance message board when I came upon, of all things, a debate about the merits of Blu-ray versus standard DVD. It came about because someone was mad that they were being “forced” … Continue reading

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The Discomfort of Being Frugal

I’ve noticed something about myself. I am uncomfortable in high-spending situations. And this is true even when I’m not the one paying. Not long ago, a potential vendor took me to lunch at a swanky restaurant. He was paying, but … Continue reading

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

Workplace Ethics

A couple of weeks ago, I came across a post on another message board from a person who admitted to spending forty percent of his time at work surfing the Internet for personal reasons. He was even going so far … Continue reading

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

Start Thinking

One of the things that gets people into trouble financially (and in a lot of other areas, too) is failing to actually think about what they’re doing. We’re all guilty of putting our lives on autopilot. We buy the brands … Continue reading

Posted in Food / Groceries, Frugal, Personal Finance | Tagged , , , , , | 3 Comments

The 97 Month Car Loan

Lenders rolled out an extra-long-term car loan last week: The 97 month loan. (That’s eight years, folks.) The lenders claim that this is because the average price of a new car has risen to $31,000 and extra-long loans are the … Continue reading

Posted in Cars, Debt, Personal Finance | Tagged , , , , , , | 6 Comments

Earth Day and Frugality

Earth Day is coming. It’s one of those days I actually look forward to each year. While I get sick of the “greenwashing” that the big corporations engage in every year, I do enjoy some of the local celebrations at … Continue reading

Posted in Frugal, Holidays, Personal Finance, Saving Money | Tagged , , , , , , | 1 Comment

Four Ways to Work from Home

I see plenty of people, both online and off, who are desperate to work from home. Despite the fact that working from home is definitely not for everyone, many people idealize the lifestyle and want it for themselves. It’s funny, … Continue reading

Posted in Making Money, Personal Finance, Work | Tagged , , , , , | 5 Comments

Blowing Money on Grail Objects

I have a friend who has lusted after a certain board game for years, now. It’s out of print and if you can find it on the secondary market in good to mint condition, it usually sells for north of … Continue reading

Posted in Budgeting, Personal Finance, Shopping | Tagged , , , , , , | 5 Comments

Control Your Personal Economy

If you’ve watched much TV lately or listened to the radio, you’ve probably heard some of Fidelity’s new ads that say, “Let us help you take control over your personal economy.” Their website explains, “Your Personal Economy includes the things … Continue reading

Posted in Budgeting, Debt, Food / Groceries, Frugal, Personal Finance, Retirement, Saving Money | Tagged , , , , , , , , | 3 Comments

Don’t Fall For “The Advertising Will Save You” Money Gambit

Manufacturers, retailers, and advertisers love to tell us that advertising will save us money. They like to tell us that placing ads in and on everything from video games to toilet paper will save consumers money. The theory is that … Continue reading

Posted in Personal Finance, Shopping | Tagged , , , , , , , | 3 Comments