Author Archives: Jennifer Derrick

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

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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

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Give Yourself the Gift of Time

We all have a finite amount of time to be on this earth. The time we have to spend with loved ones, to pursue fun hobbies, to do work we love, and to explore this world is limited. Time is … Continue reading

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Don’t Dismiss Your Hometown Paper

I live in a rural community and we get three newspapers here. The first is our main, statewide paper. Though it’s a daily paper, I only subscribe to the Sunday edition of that one for the coupons and sales flyers. … Continue reading

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Rewarding Yourself Without Breaking Your Budget

We all feel the need to reward ourselves sometimes. Maybe we reach a tough goal such as losing fifty pounds, or we accomplish a significant milestone on the way to a larger goal, such as finishing the novel that must … Continue reading

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We Are All Going to Die

A few years ago, I faced my mortality head on. An unexpected allergic reaction nearly killed me. Up to that point I, like most people, hadn’t spent a lot of time thinking about death. Sure, I’d done the unpleasant task … Continue reading

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Reflections on a Purge

This winter I have focused on purging my house of excess stuff. I’ve never thought of myself as having a lot of stuff (and compared to some I don’t), but a real dig in to the deepest recesses of my … Continue reading

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Seeing Coupons as Money

Some people hate to use coupons. Some can’t be bothered, some don’t see that the time required is worth the savings, some are embarrassed, some figure coupons are only for junk food (they aren’t), and some are afraid of being … Continue reading

Posted in Food / Groceries, Frugal, Personal Finance, Saving Money, Shopping | Tagged , , , , , , | 5 Comments

Complaining Just to Get Free Stuff

We all want to be treated fairly and receive the products and services that we pay for. We want things to match our expectations and the manufacturer’s promises. When things fail to live up to those promises or expectations, it’s … Continue reading

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20 Free and Inexpensive Creativity Boosters

We all have times where we need to be creative. Creativity helps us solve problems at work or home, come up with new uses for old products, and entertain ourselves. Many people don’t believe that they are creative, that it’s … Continue reading

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Planned Obsolescence: The Scourge of Frugality

If you’re a frugal person, the concept of planned obsolescence stinks. There’s no polite way to put it. Manufacturers create things to last a short period of time, forcing you to upgrade or buy a new one at regular intervals. … Continue reading

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Cold Turkey vs. The Slow and Gradual Approach

When you’re ready to improve your financial life, how should you go about it? Do you immediately cease all unnecessary spending, slash expenses to the bone, and use all of your extra money to pay down debt? Or do you … Continue reading

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10 Ways to Keep Your Belongings Private and Reduce the Risk of Theft

One of the easiest ways to prevent theft (aside from locking the doors, which is something too many people neglect but is effective) is to keep what you buy and what you own private. If other people know what you … Continue reading

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What Constitutes a Financial Red Flag in a Relationship?

Many months ago, one of my posts about how financially secure people eat leftovers turned up on another message board that I frequent. That board has nothing to do with finance, but the poster came across my article when she … Continue reading

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Become What You Envy

I have a relative who does nothing but whine about how she doesn’t have certain things, how she never gets to travel, she doesn’t have any money, and she’ll never own a nice car. Well, while I tend to think … Continue reading

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What If You Don’t Want to Retire?

I have an uncle who is pushing ninety years old. He still gets up early, gets dressed, and goes to work every day and often on weekends. He doesn’t do it for the money; he’s covered in that department. He … Continue reading

Posted in Health, Making Money, Personal Finance, Retirement | Tagged , , , , , , | 2 Comments

The Paradox of Stuff: Own Less, Use More

Most of us tend to think that more is better, especially when it comes to our “stuff.” If two pairs of shoes is good, ten must be great. If a library of thirty DVD’s is good, a hundred must be … Continue reading

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Optimism Can Wreck Your Finances

Optimism is generally a good thing. It’s good to look toward the future with hope and confidence. Research shows that optimists tend to be happier and live longer than pessimists. Optimists are healthier and deal with adversity better than their … Continue reading

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Should Income Be “Disposable?”

One of the financial phrases that always irks me is “disposable income.” Disposable income is money that has no designated purpose and thus can be blown on anything you want. It’s money that is not “needed” to meet your obligations … Continue reading

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