Category Archives: X Files

Gas and 9/10 Cent: What Difference Does It Make?

My husband and I often remember prices differently: I think it was $5; he thinks it was $4. Turns out it was $4.99. The difference is how we view the cost — I automatically round up in my mind: $0.89 … Continue reading

Posted in X Files | Tagged , , , , | 9 Comments

Why I Use Credit Cards More and More (and What Would Make Me Return to Cash)

What I am about to say may be shocking to some in financially responsible circles: I use my credit cards more and more each year. Now, to make a disclaimer, I have never been tempted to rack up credit card … Continue reading

Posted in Credit Cards, Personal Finance, Saving Money, Shopping, X Files | Tagged , , , , , , | 34 Comments

10 Reasons Why I Love Our Credit Union

Since I landed my first job at age 15, I have been with the same bank. It is a credit union open only to residents of Washington State and I love the perks it gives us. When my husband and … Continue reading

Posted in Personal Finance, Saving Money, X Files | Tagged , , , , , , | 14 Comments

How do you start fixing your financial problems?

If you’re on this site, you’re at least going the right direction. If you’ve gone to the library to check out some books, if you’re searching through some weblogs, if you’re talking to your best friends about money instead of … Continue reading

Posted in X Files | Tagged | 4 Comments

Hunting for Change

Along with tracking my “penny wise” savings this year, another thing I vowed to do was to track where I found money. I don’t mean “finding” as in digging in my couch cushions or getting my tax refund. I mean … Continue reading

Posted in X Files | Tagged , , , , , , | 11 Comments

Crafting is More than Saving Money

At craft shows, a maze of booths show off handcrafted original wares. Some things are common from show to show, like polymer clay jewelry, stained-glass window décor, and beaded designs, but it’s not the medium that matters, it’s the artist’s … Continue reading

Posted in X Files | 6 Comments

Holiday Tipping Rules ($10 Question)

With the holiday season almost upon us (or already in full swing if you accept what retailers are telling us), what are your holiday tipping rules? I had a quite lively debate about this with a group of friends who … Continue reading

Posted in X Files | 8 Comments

You’re Ugly, Poorly Dressed & Uncool — Basically, a Loser

I, like every other teenager in America, learned about subliminal messages in high school. Determined not to be influenced against my will, every time I entered a dark movie theater I would steel myself against advertisers’ sly tactics. I was … Continue reading

Posted in X Files | 11 Comments

The Benefits of Multiple Banking Accounts

I have always spread my money around in multiple accounts. I use multiple checking, savings, and investment accounts, all marked for different purposes. Some are at the same institution, but I also use several different banks, depending on my needs. … Continue reading

Posted in Budgeting, Personal Finance, Saving Money, X Files | 16 Comments

Weekend Reading: Travel Deals – Making Ends Meet – Street Kids Open Bank – Apple Doesn’t Like Cash

The Best Travel Deals Don’t End in .Com: “Some of the best travel deals on the Web these days don’t end in .com but can be found on a travel company’s foreign offshoot, which usually ends with the country’s domain … Continue reading

Posted in X Files | Leave a comment

How to Get out of Paying Your Bills – Forever

I never pay any of our bills. Neither does my husband. But they get paid. Every month and on time. Now I’m not advocating ignoring your bills and racking up a ton of debt. That would be stupid and begging … Continue reading

Posted in Budgeting, Personal Finance, Saving Money, Utilities, X Files | 18 Comments

You Can’t Afford It

I saw “DWI — You can’t Afford It” written on road signs along Interstate 40 as we passed through Texas on our recent vacation. What an interesting angle, I thought. I guess that since the fact that the risk of … Continue reading

Posted in X Files | 8 Comments

Will You Need A License To Sell On eBay?

Last week, eBay sent me a message urging me to contact my state representatives in support of a bill that would exempt eBay sellers in Pennsylvania from having to get auctioneer licenses. “You may have heard the Pennsylvania State Board … Continue reading

Posted in X Files | 11 Comments

Weekend Reading – Radiohead, Living Within Your Means, Lucky vs Unlucky

I didn’t pay anything for Radiohead’s download: “I didn’t pay anything to download Radiohead’s In Rainbows last Wednesday. When the checkout page on the band’s Web site allowed me to type in whatever price I wanted, I put 0.00, the … Continue reading

Posted in X Files | Leave a comment

Top 10 Ways to Waste Your Money on e-Bay This Week

While I can’t guarantee that these are the absolute top 10 ways you can waste money on e-Bay this week, they certainly deserve some attention and possibly some laughs… 10. A rubber band: No joke. You can get a regular … Continue reading

Posted in X Files | 10 Comments

Banks – Money Confession

I have been collecting the money confessions of people who give them to me anonymously over the past few months. I share some of the more interesting ones here. This is confession number 69 in the series: “I keep most … Continue reading

Posted in X Files | 3 Comments

Crap – Money Confession

For the last few months I have been collecting the money confessions of people that attend the talks I give. I share some of them here as part of an ongoing series. This is confession number 68 in the series: … Continue reading

Posted in X Files | 2 Comments

Money Confession – Distorted

There are a lot of hidden money secrets that we keep to ourselves. I have been asking people to share theirs with me. This is confession number 67 in the series: “I’ve had a distorted view of money all my … Continue reading

Posted in X Files | 3 Comments

Money Confession – Vending Machine

I have been collecting the money confessions of people that attend my talks and share the more interesting confessions here. This is confession number 66 in the series: “I still look for money in vending machine coin return slots. I … Continue reading

Posted in X Files | Leave a comment

Money Confession – Rich

This is an ongoing photo essay of money confessions that I have collected from people that attended my talks. I share some of the more interesting ones here. This is confession number 65 in the series: “It really pisses me … Continue reading

Posted in X Files | Leave a comment