Personal Finance Advice

I am probably one of the last people in the US that doesn’t have a cell phone. I don’t have a cell phone to protest in any way. I actually think there are a lot of interesting aspects to them. I have friends that keep telling me that I really need to get one so [...]

I am a firm believer, from my own experience, that after committing to spend less than you earn, the most important thing that you can do for your finances is to truly understand what is important to you and what makes you happy. I know that at first glance this doesn’t seem like it has [...]

We just bought some new living room furniture. Our old furniture was just that: Old. While it was still serviceable, it was no longer that comfortable. Yes, we could still sit on the couch, but the couch had lost a lot of its support and comfort. It was also no longer a great match for [...]

Last year I finally caved in to my baser urges and bought a Wii. I also bought the Wii Fit and balance board to go with it so I could get a little fun exercise on bad weather days. I’ve loved the Wii and bought all kinds of games for it. In my opinion, it [...]

A couple of weeks ago I wrote about how helpful a shopping list can be when you want to save time and money. I’m a firm believer in lists. I compile pro and con lists when I have to make a decision, I keep lists of places I need to go for errands, and I [...]

What do you want? I don’t mean what fantastic things do you wish you owned or could do or could be. What reasonable things do you want in life that you do not currently have? Do you want to be healthier? Do you want to spend more wisely? Do you want a nicer car or [...]

A friend of mine who, like me, has always lived a debt free life recently ran into a perfect storm of disasters. He was diagnosed with an illness and, despite having good medical coverage, ended up with bills that threatened to eat up much of his non-retirement savings. As if that weren’t bad enough, he [...]