Author Archives: M. Beddingfield

Where Do You Stash Your Money?

I once read that 1 in 10 people don’t use banks for saving money. That’s hard to believe. Hiding your money is unsafe and unwise. But people do it all the time. I’ve done it. You’ve probably done it at … Continue reading

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

How to Save Money with the Cash in Hand Method

Did you know that buying with cash can actually save you money? The old saying, “Money Talks” has never been truer than in today’s economy. Even big name retailers are open to negotiation; their sales are down and more people … Continue reading

Posted in Personal Finance, Saving Money, Shopping | Tagged , , , | 5 Comments

White Bread and Green Dough or Why I Closed my Internet Bakery

In the previous article, I briefly described how I opened an internet Bakery. I didn’t go into the details on how I kept it running on a day to day basis or what products sold the best or even what … Continue reading

Posted in Making Money, Personal Finance, Work | Tagged , , , | 7 Comments

White Bread & Green Dough or How I Opened an Online Bakery

At the beginning of this year, I was looking for a way to supplement our income. I do seasonal data processing and the spring season had not yet begun. I had prior experience with selling handmade jewelry on the internet … Continue reading

Posted in Making Money, Personal Finance, Work | Tagged , , , , | 14 Comments

What It Takes to Barter

My friend, Speedy, is quite possibly the best horse trader within a 200 mile radius. In all the time I’ve known him, he has never held a job and yet seems to do quite well for himself. No, he doesn’t … Continue reading

Posted in X Files | 8 Comments

What Forrest Gump Taught Me about Finances

My husband loves the movie, Forrest Gump. He can almost follow the script word for word. This is a football, beer and pizza loving man, we are talking about here. When I asked him why he liked the movie so … Continue reading

Posted in Entertainment, Personal Finance | Tagged , | 7 Comments

How Important is Your Debt to Limit Ratio?

We are under constant media barrage about checking our credit report and we all know it’s important to have a high credit score. With the new legislation, it’s possible that a great credit score will be more important than ever. … Continue reading

Posted in Credit Cards, Debt, Personal Finance | Tagged , , , , , , , | 10 Comments

The Plain Truth and Your Finances

As the economic decline slides further into uncertainty, we have to take a hard look at our own familial finances and begin to ask some serious questions. It’s time to take off those rose-colored glasses. First, we all need to … Continue reading

Posted in Budgeting, Credit Cards, Debt, Personal Finance, Work | Tagged , , , , | 3 Comments

The Money Journal Challenge

Are you left with more month than paycheck? Are you trying to stick to a budget, but can’t understand where all your discretionary income is going? Do you always end up searching the couch cushion and car seats for extra … Continue reading

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

Cash or Debit Card?

How does using cash or a debit card influence our spending? About a month ago, I watched a video on Yahoo about an ordinary couple who were challenged to use cash for everything they bought for one week. The idea … Continue reading

Posted in Budgeting, Credit Cards, Personal Finance, Saving Money, Shopping | Tagged , , , , , | 22 Comments

10 Less Obvious Family Entertainment Ideas

What is family entertainment? First, let’s take a look at the definition of these two words. Entertainment – Something that diverts, amuses, or occupies the attention agreeably. Family – A group of people living together and functioning as a single … Continue reading

Posted in Entertainment, Frugal, Relationships, Saving Money | Tagged , , , , , , , , | 4 Comments

What We Can Learn from the Kool-Aid Culture

Kool-Aid. A fruity sweet, thirst quenching, ambrosia for 6 year olds. We all remember it. It’s famous and served all over the world. Kool-Aid was invented in Hastings, Nebraska, as a liquid concentrate called Fruit Smack. In 1927, to save … Continue reading

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

How Soda & A Pack of Cigs Kept Me from Buying My Dream Truck

Ok, I admit it. I have a serious addiction. Two of them in fact. Everyday, I allow myself one soda and a pack of cigarettes. On Saturday, I have two sodas. My elixir of choice is Diet Mountain Dew. I’ve … Continue reading

Posted in Budgeting, Cars, Debt, Personal Finance, Saving Money | Tagged , , , , , , , , | 14 Comments

I Thought I Divorced That House

There is so much involved when you are getting a divorce. The emotional shock seems to outweigh all else. You certainly don’t want to think about financial matters. But you must. Many unscrupulous lawyers make their monies on quick and … Continue reading

Posted in Credit Cards, Debt, Housing, Personal Finance, Relationships | Tagged , , , , , | 4 Comments