Author Archives: Shannon Christman

The Best Time to Pay Bills

We still pay most of our bills manually, by which I mean we don’t have automatic payments set up. While I recognize the advantages of automatic bill pay (no postage, time saved in writing out checks, etc.), I actually enjoy … Continue reading

Posted in Personal Finance | Tagged , , | 18 Comments

Managing Subscription Costs

How many subscriptions do you pay for? Be sure to count not just magazines and newspapers but also services (warranties, computer virus protection, cell phone contract, ISP, etc.), memberships (gyms, fan clubs, business associations), and entertainment packages (Netflix, cable or … Continue reading

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

The Secret of Personal Finances Revealed

“Is it getting dark outside? Are you having trouble seeing? Turn the lights on!” is the gist of one “Wiggles Tips” segment on The Wiggles television show. These segments introduce the show’s preschool audience to a bit of humor – … Continue reading

Posted in Personal Finance | Tagged , , | 4 Comments

Saving Advice from the 1950s: How Much Still Applies?

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

Should We Cut Out Entertainment During Difficult Financial Times?

“When I get a little money I buy books, and if any is left I buy food and clothes,” Desiderius Erasmus has been quoted as saying. If he read like I do (more for fun than for education), he was … Continue reading

Posted in Budgeting, Entertainment, Personal Finance, Saving Money | Tagged , , , | 8 Comments

Eight Ways to Get Cash in Hand by the End of the Week

On a recent visit to the Yahoo! Answers website, I found a lot of questions that boiled down to the same thing: How can I make money (usually about $100) fast (usually by the end of the week)? Apparently this … Continue reading

Posted in Making Money, Personal Finance, Work | Tagged , , , , | 9 Comments

Getting Full Value Isn’t Black and White

“Here, let me show you these great glasses — I want to make sure you get the full value of your insurance coverage,” enthused the salesman trying to get me to upgrade my purchase. I had already carefully chosen my … Continue reading

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

Ten Ways to Keep the Cost of Eyeglasses Low

Eyeglasses are an oddball purchase. Most people who need them will buy them, but the amount they pay can vary greatly without much difference in quality. There are a few ways, however, to find glasses you like for a price … Continue reading

Posted in Personal Finance, Saving Money, Shopping | Tagged , , , , , , , | 13 Comments

Improve Your Decision Making Skills to Improve Your Finances

Posted in Budgeting, Personal Finance, Saving Money | Tagged , , , , | 8 Comments

Why I Disagree with Hiring Others to do Your Work for Less

Last year I read an article in Redbook declaring that mothers should hire people to do some of their household work and errands for them. The article made the popular argument that if you can hire someone to do your … Continue reading

Posted in Frugal, Personal Finance, Saving Money | Tagged , , , , , | 12 Comments

You Need More Than Money To Join the Upper Class

I used to think that social class was directly tied to wealth — if you were rich, you were upper class; if you were poor, you were lower class. If you were neither rich nor poor, you were middle class. … Continue reading

Posted in Personal Finance, Relationships | Tagged , , | 28 Comments

Why I Am Not The Least Bit Embarrassed to Use Coupons

Some people think using a coupon in public is even more embarrassing than, say, accidentally walking into the wrong restroom. I have done both, and I assure you — the latter is far more embarrassing! Here’s why I am not … Continue reading

Posted in Food / Groceries, Frugal, Personal Finance, Saving Money | Tagged , , , , , | 17 Comments

Why You Should Focus on Spending Less Over Earning More

Several readers have commented recently that they would like to hear more about how to earn more and less about how to spend less. While earning more is a worthy goal — after all, you can never save more than … Continue reading

Posted in Personal Finance, Saving Money, Work | Tagged , , , , | 28 Comments

Places to Visit That Often Offer Free Admission

When you take a vacation away from home, you spend enough to get there (especially with the higher gas prices this year) and to stay there (even if you camp) that you might not want to spend a whole lot … Continue reading

Posted in Frugal, Holidays, Personal Finance, Saving Money, Travel | Tagged , , , , , , | 10 Comments

What Would Happen If Everyone Were Frugal?

Frugality and thrift are far from the predominant mindsets in our culture, even among the multitudes of people who are taking control of their finances and paying down debt. In times past (the Great Depression comes to mind), “thrift” was … Continue reading

Posted in Frugal, Personal Finance, Saving Money | Tagged , , , , | 14 Comments

Value Education: How Going to a Value College Helped Me Save Money

Most financially prudent people search for a good balance of price and quality when shopping for televisions and groceries and automobiles, but few consider value when shopping for higher education. Accelerated programs, like those offered at www.gmercyu.edu, give you all … Continue reading

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

The Benefits of Saving Habits that Make You Look Poor

Several years ago, my husband paid for a pizza entirely in change. It wasn’t that he didn’t have any money left at the end of the week; on the contrary, he had just deposited his paycheck in the bank that … Continue reading

Posted in Frugal, Personal Finance, Saving Money | Tagged , , , , , | 70 Comments

Personal Finance Lessons Learned from Yard Sales

It’s that time of year again. Some of us know it as spring; others call it the start of yard sale season. Yard sales (also known as garage sales, tag sales, rummage sales, and stoop sales) attract an interesting and … Continue reading

Posted in Frugal, Making Money, Personal Finance, Saving Money, Shopping | Tagged , , , , , , , , , , | 11 Comments

Stop Storing and Save – Storage Units Are A Waste of Money

Personal storage facilities are appearing everywhere. Whether new garage-like structures or refashioned warehouses, factories, and banks, all have the purpose of storing our culture’s accumulated stuff. For the “low” price of $39.95 a month, you can rent the smallest of … Continue reading

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

Ten Great Bits of Financial Advice

It’s been said that when you take free advice, you should remember that you get what you pay for. I agree that it’s important to evaluate any advice — free or not — before following it, but rejecting all free … Continue reading

Posted in Budgeting, Debt, Personal Finance, Saving Money | Tagged , , , , , , | 7 Comments