Category Archives: Budgeting

10 Life Choices That Will Hurt Your Finances

Sometimes people make life choices that end up negatively affecting them in their future. Life doesn’t always make things easy and when things get difficult, it can be difficult to make a good choice. Unfortunately, we live in a society … Continue reading

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10 Daily Actions Keeping You in Debt

It’s hard to get out of debt. Sometimes it’s easy to feel that no matter how hard you try, you’ll never be able to pay off all your debt and expenses. While you might have reassessed your finances and figured … Continue reading

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Do You Want to Be The “Special Case” or The “Success Story?”

When it comes to doing the difficult things in life like saving money, losing weight, getting a better job or more education, creating an emergency fund, or engaging in almost any form of self-improvement, a lot of people claim to … Continue reading

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Debt Reduction Diet: 10 Ways Debt Reduction Is Like Dieting

Dieting is probably not the first word that comes to mind when you think of debt reduction. However, when it comes to trying to reduce your debt, many of the steps you have to take are very similar to the … Continue reading

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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

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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

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10 Ways to Save Money When Visiting the Beach

With summer just around the corner, one of the top priorities for a lot of people will be to take off to the beach for a day, or for an extended vacation, when the opportunity permits. One of great things … Continue reading

Posted in Budgeting, Entertainment, Holidays, Personal Finance, Saving Money, Shopping, Travel | Tagged , , , , , , , | 1 Comment

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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10 Common Excuses People Give for Not Saving Money

There are many people in this economy who have legitimate reasons for not saving money. But there are also a lot of other people who claim that they’re incapable of saving money when saving money would only require them to … Continue reading

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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

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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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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10 Habits Keeping You Poor

Nobody wants or sets out to be poor. While there are many factors which can contribute to people finding themselves in a position of not having much money such as lack of education, medical expenses and job loss, the reality … Continue reading

Posted in Budgeting, Credit Cards, Debt, Personal Finance | Tagged , , , , , , , | 13 Comments

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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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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Take Responsibility for Your Purchasing Decisions

Last week I had the misfortune of witnessing a messy exchange in the return line at a local department store. The woman ahead of me was trying to return some items that she bought and had apparently decided that she … Continue reading

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10 Smart Ways to Use Your IRS Refund Check

Are you expecting to receive an IRS refund this year? Do you have big plans for that money? Maybe you want to spend it on something nice for yourself. Maybe you are planning to use it for a great vacation … Continue reading

Posted in Budgeting, Credit Cards, Debt, Personal Finance, Saving Money, Taxes | Tagged , , , , , , , | 2 Comments

10 Reasons Everyone Needs An Emergency Fund

Financial experts often talk about the necessity of having an emergency fund. An emergency fund can help cover any expenses that arise when unexpected problems or emergencies crop up in your life. Unfortunately, the unexpected does happen. it happens much … Continue reading

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