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How I Save Money.net
How I Save Money At CVS: 10 March 2010
Today I paid $0.00 out of pocket for $16.00 worth of items. I only did one transaction and just got two items that I really wanted and then walked out of the store without getting anything else. I am having some problem with the computer and could not get the...
Tracking My Finances In 2010: March Week 2
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the...
Getting Out Of Debt Is About The Mind NOT The Money
This post was inspired by The Gradual Shift, written by Trent at The Simple Dollar. I think that many people think they cannot get out of debt because they simply do not have the finances available, instead of thinking about making the mental change that will help them to find...
I wrote about my experiences with using Lending Club to pay off debt in the past. I am also a lender on the site and must say that although I am not getting the highest interest rate returns, my loans are doing well. I am happy to announce that I now...
Tracking My Finances In 2010: March Week 1
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the...
I Cut The Cable And Unplugged The TV To Save Money!!!
A few months ago I wrote that one of the ways to save money in my life was to unplug the television but I morphed into a Frugal Fraud and did not follow through with it. Well on Sunday this week I noticed that I had not watched television for...
The Simple Dollar
The Financial Realities of Growing a Family
Anthony writes in: My wife and I have two children, ages 2 and 1. We’d like to have more; we both think that four would be a great number, although there’s no particular logical reason for that number. The problem is the expense. With daycare costs, adding each...
Other People’s Priorities Don’t Have to Be Your Priorities
Kelly writes in: In the past three months, I’ve paid off all but $2,000 of my credit card debt. I feel happier about my money than I have in a long time. The only problem is that my social life seems to be falling apart. I don’t have...
The Simple Dollar Time Machine: March 13, 2010
Many newer readers of The Simple Dollar haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, two years ago this week, and three years ago this...
By Request: Five More Essential Crock Pot Recipes
A long time ago, after posting several articles about using a crock pot to save money and still produce great, quick meals, readers asked me to post ten of my favorite crock pot recipes. Since digging through my recipes and typing them out again in an comprehensible format takes...
An Argument for Secondhand Store Clothes, Even If You Must Dress Nicely
Monica writes in: I don’t understand how you can recommend that people shop in thrift stores for clothes. The stuff there is usually worn out and just looks bad and outdated. I would never wear that stuff to work. It sounds to me like you’ve made up your mind about...
Convenience Foods: What They Really Cost
Every time I visit the grocery store, I’m amazed to see how much of the fresh produce aisle is taken up with prepackaged fresh foods. You know what I’m talking about – bags of prewashed lettuce, pre-cut apples, pre-cut celery, pre-cut pineapple, and so on. I understand why such items...
My Investing Blog
Do You Still Clip Coupons? Do You Ever Get Any Of Them Online?
Photo by: ninjapoodlesI grew up clipping every single food coupon from every single paper we could find. We’d ping our neighbors and relatives if we saw something worth clipping that didn’t have a limit on the number of coupons. We often times walk into the grocery store with...
Another Way To Make Money Online; Courtesy Of Microsoft…
Photo by: A Fighting FaithNo, I’m not talking about the ol’ “Bill Gates will send you money if you forward this email” spoof. I am talking about Microsoft’s Usability Research team. Clearly Microsoft has a lot of new products that need testing, and it can’t all be done in house;...
Should I Hire An Accountant Or Do My Taxes On My Own?
Photo by: herzogbrMy old man used to tell me, “Hank, you want to find yourself a CPA that will walk you RIGHT UP TO the door of jail, but not let you go in.” I think that’s pretty good advice – take what you can, when you can (legally)...
Keep Your Investments Separate For Different Goals
Photo by: Daquella maneraHow many of you use your 401k for your everything bucket? I’ve overheard friends and family talk about their 401k like their “all for one long term savings account” saying things like, “I’m going to use my 401k for my kids education” or “my 401k is used...
Why Is It So Taboo To Talk About Salary And Compensation?
Photo by: takashy How is it that when we can readily see public sector and professional athletes salaries on the web and not bat an eye at it. I’m sure they discuss these things over caviar all the time and it isn’t that big of a deal; but why does...
Should I Take Out A Reverse Mortgage On My House?
My brother mentioned setting my mother up with a reverse mortgage over the holiday break, so I thought I would do some research on what is was and if it was a good idea. I had heard of it before and I have a basic understanding of it, but I...
Twitter / ramit
ramit: Sold out of books at the book signing!
ramit: Sold out of books at the book signing!...
ramit: Getting ready for my 11am #sxsw talk on the "Psychology of Building a Bulletproof Personal Finance System" - http://bit.ly/dhEInt...
ramit: What I'll cover at SXSW (10/10): Which SPECIFIC accounts/tools can u use to automate your $ in a few days? http://bit.ly/dhEInt #iwillteach...
ramit: What I'll cover at SXSW (9/10): How are personal finance & food similar? (Guilt, delusions of willpower..) http://bit.ly/dhEInt #iwillteach...
ramit: What I'll cover at SXSW (8/10): Why do "experts" recommend cutting costs on evrything when it never works? http://bit.ly/dhEInt #iwillteach...
ramit: Haha, @k00kykelly asks "What do you get out of a packed house at SXSW? (besides the ego boost)" Heh I think that ship has sailed...
Poorer Than You
Money can’t buy love! Here are 7 vital signs that you tend to ignore:
This week’s guest post comes from Dorothy Anderson, who is a finance blogger and recommends you be very careful before consolidating debts. Do you remember the song by Beatles? “….I’ll buy you a diamond ring my friend if it makes you feel alright, I’ll get you anything my friend if it makes you...
Net Worth Update: February 2010
Even though it’s not good for my financial picture, net worth calculations are a lot more exciting when it’s unknown… will it go up, or will it go down? Up or down? What’s it gonna be February… up or down? Up (a little)! Change: $4 or 0.01 % At first blush of...
5 Situations Where You Should Leave Your Credit Card in Your Wallet
This week’s guest post comes from Fred, personal finance writer at Credit Card Finder. He helps people to compare credit cards online. There are smart ways to use your credit card: you can keep your wages earning interest in a savings account while you spend on your credit card and pay...
How Big Should Your Emergency Fund Be?
Last month I announced some changes to my Savings Snowball, including dropping the goal for my Emergency Fund from $10,000 to $5,000. No one said anything about that, so it must not have been a huge controversy. But I don’t find myself especially comfortable with either of those numbers. Why?...
Net Worth Update: January 2010
Happy Groundhog Day! Hopefully we won’t get sucked into a Bill Murray or Buffy-in-the-episode-Life-Serial style time loop! If we do, I’m going to spend that time learning something really awesome, like juggling fire clubs or glass blowing. Barring timeline errors, we’ve got some money stuff to talk about… Change: $527 or...
Coupons from the Entertainment Book, Act 2
We didn’t get one last year because we were moving from one area to another, but this year, we’re all nice and settled. To put it bluntly, the boyfriend and I are coupon whores. We hate eating somewhere if we don’t have a coupon. Wow, that makes it sound like...
Gather Little by Little - Personal Finance with a Christian Perspective
Friday Gathering: Spring ahead Edition
Don’t forget to set your clocks ahead one hour this weekend. I would like to call for the abolition of Daylight Savings Time. Why in the world do we do this every year? Anyway, here are some articles that I enjoyed this week: Be sure to stop by Green Panda Treehouse...
Insurance. Every time this word is heard, we frown; we get sceptical. We all know someone who has a “story about an insurance salesman. Since it is a commission based environment (if they don’t sell, they don’t get paid), many clowns become desperate and turn into i-want-to-make-a-quick-sale insurance agents. They...
More stuff can only bring more worry
I remarked to my wife the other day that if we have no major, unexpected financial calamities this year, our financial situation might be back to where it was in 2002-2003. That is, back before we had our second and third child, before we went down to a single income,...
10 outstanding iPhone applications for your financial needs
As Frank Hubbard puts it, “The safe way to double your money is to fold it over once and put it in your pocket”. Do you think this is the only way out to save more money? No, it can never be this. Man is subjected to temptation and no...
Is there a time to ignore your credit score?
Dave Ramsey has done well for himself as a financial advice guru. He was one of the first people to recognize that our culture is steeped in debt, dependent on debt and that debt was enslaving the American culture. Ramsey has not been successful in changing our cultural dependence on...
Friday Gathering: I saw the sun Edition
Spring is springing in my neck of the woods. I hope you see the light at the end of the winter tunnel where you live. Here are some articles that I recommend this week: The second installment of my time saving articles was featured at the 246th Edition of the Carnival...
Frugal Upstate
Here are some interesting little gems from this week in previ0us years here at Frugal Upstate In 2009 I wrote a review of 24C Water, made by the Jones Soda Company. I seem to have had drinks on the brain, as I also gave our experiences with making A Cheaper Chelada...
Fantastic Frugal DIY Ribbon Washer Necklace
I am big on statement jewelery-pieces that just jump out at you and say “look at me!”. Big dangly earrings, unusual necklaces or bracelets. I love them all! But of course although I love big pieces, I don’t love big price tags. I love things I can pick up at a...
I am frequently overly optimistic when I purchase Bananas. They look so golden & delicious. . .the kids love them. . . they are only $.44 a lb. . . we’ll go through a dozen in no time right? Wrong. Sometimes we do-I swear Princess would eat 3 a day if I...
Using Homemade Laundry Detergent in an HE Washing Machine
The most frequent question I get about my homemade laundry soap recipe-both here on the blog and over on my YouTube video for making laundry soap is “Can I use homemade laundry soap/ laundry detergent in an HE washing machine?” The next most common question is “Really? Only one TBS for...
Rubbermaid Drawer Organizer Winner
Congratulations to Tammy, the winner of the Rubbermaid Drawer Organizer set! For all those who didn’t win, don’t despair! I have a Kiwi Shoe Protection Product kit giveaway running right now, and coming soon I have a cookbook. There is even a pair of prescription eyeglasses and frames that I’ll be...
Giveaway: Kiwi Shoe Protector Product Kit
Many of you know that I’m an 11 year US Army veteran. For all 11 of those years I wore your standard black army combat boots: In the last 6 years or so they’ve changed the uniform and boots to the sueded desert style-but back in my time we wore the...
My 1st Million At 33 - yes, you can do it too
US dollar crisis in this decade
As I have said well before the financial crisis hits back in 2006 on my blog, this game between the liars (housing speculators) and the cheaters (the bankers who totally expected to pass the AAA-rated toxic mortgage loans to Fannie Mae & Freddie Mac & other mortgage investors, but somehow...
Why consumers are paying down credit card before mortgage
Here is the article from Marketwatch.com, reporting consumer behavior is changing, putting credit card debt before mortgage. Why would anybody put the priority of unsecured debt over debt that is secured by the home & the roof over someone’s head? It is puzzling to all the bankers and...
I thought that what happened in US since 2007 (and in Japan back in 1990) would have taught people some lessons. But human greed knows no bound. Either they don’t read news, or they’re too greedy. There are still booming undying bubbles in China, Taiwan, Canada, Australia. It...
A buying strategy for the current housing market
Very infrequently I come across some articles that are so well written that I feel obliged to recommend them to people. And I found it at Irvine Housing Blog. IrvineRenter, the owner of the blog has written a couple of excellent articles that should be must-read for every...
“Golden” conversation with my friends & relatives
Because I haven’t been blogging often, some of my friends & relatives have been going through the insider track via phoning me or emailing me directly. I have been spending an extraordinary amount of time on watching over stocks and my own portfolio. This year will be “the...
Few technical indicators give a clear picture on the movement of stocks. Unfortunately, all indicators are often too late by the time when the markets have made their initial move. The more averaging the indicator does, the later it will give you a signal, but the signal becomes...
Freedom From Creditors Blog
Mortgage lenders pursue homeowners even after foreclosure
Debtors with mortgage deficiencies are not in the clear as they think they are. Creditors are waiting for the opportune time to take the unknowing debtor to the cleaners and garnish everything they own and have worked hard for. If debtors don’t protect their assets and them self...
Out of control interest rates?
One card that we recently found out about has a 79.9% interest rate. Now if that is not a legal loan shark what is? To read more about this credit card company scam check out this article. http://www.msnbc.msn.com/id/34468260/ns/business-personal_finance/...
What is the Uniform Commercial Code In The United States?
The Uniform Commercial Code is a set of uniform laws written by the American Law Institute and the National Conference of Commissioners on Uniform State Laws governing commercial transactions. It took over ten years to originally draft the UCC, and a further fourteen years for the UCC to be implemented...
A judgment lien is a court ordered lien that is placed against the home or property when the homeowner simply fails to pay a debt. This doesn’t seem like a big deal, but when the homeowner has a judgment lien against his or her home and wants to sell it,...
Banks are Getting Hammered with Loan Losses
It’s’ no big surprise that banks are trying to collect from the hoards of debtors who have defaulted on loans recently. As you can see from this article , Bank of America has lost 36 Billion dollars. Don’t feel bad if your among these borrowers. The government...
Is It Immoral To Simply Write Off Your Debts?
You may be uneasy about the morals of trying to get something for nothing – I certainly was until I had a close look at the industry. The banks, credit card companies and collection agents all play on your guilt and fear. It’s not OK to owe money you can’t...
Being Frugal.net
Being Frugal and Raising Healthy Kids
This guest post was written by ABCs of Investing, a site where you can learn about the very basics of investing and how to apply to your personal finances. Feel free to subscribe to the feed. One of the difficulties with being a parent is that you want to keep your...
Kyle’s Coupons: Frugal Home Buying Tips
The following is a regular feature by Kyle of Rather-Be-Shopping. Be sure to check his site if you are in need of online coupons or codes! It is a very exciting time for my family. My wife and I are in the process of buying our first home! With the distressed...
Are You Less Frugal Now Than You Were a Year Ago?
If so, read on. A reporter for a major news organization is working on a story about how shoppers are starting to crawl back to some of their favorite major brands (food, clothing etc) and stores as they no longer are panic-stricken about the economy. She would like to speak to...
Review: Unautomate Your Finances
Today is a big day for Baker at Man vs. Debt. He is releasing his first premium guide called Unautomate Your Finances. I had the privilege of taking a sneak peek before the big launch today. I was impressed. Unautomate Your Finances Synopsis Unauatomate Your Finances is divided into three parts. In...
10 Benefits of Raised Garden Beds
Today, if the weather cooperates, my kids and I will be starting our Square Foot Garden. We have a lot of work to do, as the boxes aren’t even on the ground yet. In fact, we still have to build a square foot garden box. Though it’s tempting to just hoe...
Using Your Tools to Achieve Financial Goals – Textbook Personal Finance
This guest post is part of the textbook personal finance series, written by Mrs. Micah. The series covers basic personal finance skills by going through an actual textbook, chapter-by-chapter. Check out the intro post for more information. Over the last few weeks, we’ve been assembling a basic personal finance and tools....
Amateur Asset Allocator
Those who are in retirement know too well that just because you retire, doesn’t mean that your bills and rent will go away. There are always bills after retirement, boosted many times with the cost of health care bills that are incurred due to ADL impairments...
At the risk of stating the obvious, claiming bankruptcy is a process not to be taken lightly. Bankruptcy is the last option that should be considered due to the potential negative affect it can have on your credit and financial future. In fact, if you decide to file, the bankruptcy...
4 Tips For Inexpensive Auto Insurance
There’s no getting around purchasing auto insurance if you drive a car. Not only is car insurance required by law, the cost of being in an accident can quickly surpass the amount you pay for insurance premiums. How much you pay for car insurance is determined by several...
There are different types of IRAs for individual retirement plans which incorporate various tax advantages that offer efficient retirement savings of the United States taxpayers. They are all the same, however, in terms of available investment options. IRA Types The original Individual Retirement Account was developed and established in 1974. Since then...
How To Save Money On Your Cell Phone Bill
Do you cringe every time your cell phone statement comes in the mail? Chances are, you are paying more than absolutely necessary for your cell phone bill. With the following tips, you can reduce your phone bill whether you’re currently shopping for a new cell contract or looking...
Understanding Lending Terms and Mortgage Rates Current and Future
Buying a house or apartment for the first time can be a daunting, even scary experience. The amount of responsibility it brings, along with what is usually a serious amount of debt, is enough for many people to stay in rented accommodation, where there is a benevolent landlord to deal...
Canadian Tax Resource Blog
Some Of The Important Things I Did That Enabled Me To Retire
This is a guest post from The Rat at Ending The Rat Race. The Rat is a young Canadian investor and entrepreneur hailing from the east coast. After earning a Bachelor of Commerce in the Maritime Provinces, he returned home at the age of 21 to work in various capacities, most of...
I was looking through my spam file today and came across an obvious phishing scam from customers@cra-arc.gc.ca with the subject Reminder: Please Submit Your Refund Payment. The content of the message was as follows: Dear Applicant: Following an upgrade of our computer systems and review of our records we have investigated your payments...
Does your employer provide you a car? Do they reimburse you for using your own car or provide an allowance or per diem for using your own car? If so, you may have a taxable automobile benefit to report on your income tax return. The Income Tax Act provides that all...
Rules of Thumb & Misconceptions of Financial Advisors
I have been keeping an informal record of topics of discussion I’ve had with financial advisors, friends and colleagues over the last couple of years. The following is a list of rules of thumb or misconceptions about investments, tax, and product allocation. Some items in this list may seem straightforward while...
Are You An Employee or Self-Employed?
The question of whether you are an employee or self-employed is a very important question to answer. As an employee, you have a limited number of tax deductions available to you. On the other hand, self-employed people are businesses and have access to a greater range of tax deductions and are...
Deductions From Employment Income
If you receive a T4 slip and most of your income is from employment, there are few deductions available beyond RRSP’s. Businesses are allowed more deductions than employees. This is because businesses incur their expenses to earn income. Few employees are required to incur expenses directly in order to earn employment...
The Millionaire Nurse Blog
Homemade Yogurt: Saving Money, and Being Healthy,The Millionaire Nurse Way
A guest post by Danielle, The Frugal Lawyer Making Homemade Greek Yogurt Around the holidays, I was finishing some last minute shopping at Tuesday Morning and I saw a Yogurt Maker for $29.99. Since I try to limit my sugar intake and use agave nectar syrup whenever possible, I bought it as...
The Economic Recession, Are We Making Progress? “The Millionaire Nurses View”
This gallup poll on upper income spending and comparison to middle-lower income spending is fascinating to me. Maybe that is because I am a personal finance nerd. Why is it important to you what upper income people are doing with their money? You may be “upper income.” The definition was a household...
Blackberry Apps for Millionaire Nurses
Blackberry Apps, or to you non-tech folks, applications (software programs) that run on your smart-phone, are available by the thousands. Not as many as are available on the i-phone, but we will discuss that in another post. I am not a techno-geek myself-the scary thing is- I am the computer go-to...
Do It Yourself-How to Save Money as a Millionaire Nurse
Do it yourself, or DIY. Companies like Lowe’s and Home Depot, have made billions convincing people, they can save money by doing it themselves….. So how does that relate to Millionaire Nurses? Well let me try to explain. Now, personal finance can be quite simple really! If you spend less than you...
Change of Shift is up at Mamatruama
Change of Shift, that long running gathering of the best in Nurse Bloggers is up at Mamatrauma. Just in time for your weekend reading pleasure. Check it out....
Scam, Spam, Phishing/Thank you Ma’m:How Millionaire Nurses Protect Themselves
Spam, and Phishing scams. They are becoming harder to spot, and cost our country billions in lost cash, and no telling how many hours of lost time trying to undo the damage done by identity theft. My wife got a notice recently about a purchase of an I-Pod in London. Of...
Value Investing
One Goldman Sachs Conspiracy Theory Put To Rest
Approximately two months ago Hank Greenberg( former CEO of AIG) came out with some nasty comments regarding Goldman Sachs. I was immediately inspired to write an article on Seeking Alpha about the hypocrisy of Hank Greenberg attacking Goldman Sachs(the article is here. My basic argument was that AIG had no moral...
My Reporting From The Columbia Investment Management Conference
On Friday February 26th I had the privilege of attending the Columbia Investment Management Conference. I attended the event as a seeking alpha reporter. My journey there was quite scary. I literally almost died several times on my way there. The roads were still bad from the huge snow storm that had struck...
Jacob Wolinsky Interviews Small Value Cap Guru Paul Sonkin
Paul D. Sonkin is the Portfolio Manager of The Hummingbird Value Fund and the Tarsier Nanocap Value Fund. Paul is currently an adjunct professor at Columbia University Graduate School of Business, where he teaches courses on security analysis and value investing. He is a member of the board of several...
Graham & Doddsville Newsletter Winter 2010
The new issue of the Graham & Doddsville Newsletter for winter just came out several days ago. The newsletter is compiled quarterly by the students of Columbia Business School. This new issue features Mason Hawkins of Southeastern Asset Management. Mason Hawkins is a noted value investor who manages over $30...
Book Review: The Guru Investor by John Resse and Jack Forehand
Want to learn about ten of the greatest investors and their market beating strategies all in one book? John Reese and Jack Forehand recently came out with a book titled The Guru Investor that details how.<br><br> The book details ten different investors and their formulas for beating the market. The ten...
SaveEveryWay
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No horse can go as fast as the money you put on it. – Earl Wilson
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Put not your trust in money, but put your money in trust. – Oliver Wendell Holmes
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Let's Blog Money
Get A Jumpstart On Your 2009 Tax Return By Getting Organized Early
Another year has ended and that means it will soon be time to file your 2009 taxes. It may not be the most exciting thing that the new year brings, but it is a necessary evil nonetheless. However, tax preparation does not have to be dreadful event that most people...
Ask Questions Before Letting Someone Do Your Taxes
Yes, it’s getting close to that time again. Christmas has passed, New Years is in the rear view mirror, and pretty soon, you will be getting a bigger-than usual envelope from your employer. No, I’m sorry to say that I’m not referring to a cash bonus, although that...
One Man’s Experience With The Making Homes Affordable Program
At the end of May 2008, I was laid off from my job of 4 1/2 years due to the company’s inability to maintain it’s then-current employee base. I wasn’t too worried, as I had plenty of savings to cover almost 6 months worth of expenses in my HSBC...
The Truth Behind Tax Deduction Advice
While it may be a little early in the year for tax talk for some, I personally believe that it is never a bad time to plan or even talk about taxes. Today, I happened to see a tweet linking to an article on Kiplinger’s Website for a section...
An Open Letter To The Credit Industry
Dear credit provider, In light of the housing and credit crises of the past few years, I am left wondering about some of your practices in regard to the way you choose how to extend credit lines and how you deem certain applicants to be worthy of receiving a line of...
Denise Richardson
Tell the Senate: Work for Us, Not Big Bankers.
Join the National Call-In Week and Call Your Senator Today!The process is easy and the message is clear: Congress must rein in the reckless greedy behavior of Wall Street and create an independent Consumer Financial Protection Agency! More than a......
Homeowners not getting Loan Modifications. What lies between the excuses?
Even though the Obama administration created a $75 billion program to limit foreclosures and help make homes more affordable through loan modifications -I think it's fair to say that the program isn't working as intended. When questioning why they continue......
Bank of America charged with Fraud
The New York Attorney General's office announced today that they're charging Bank of America and its former CEO Ken Lewis with fraud. The charges stem from BofA's disastrous merger with Merrill Lynch and their alleged failure to disclose important information......
Journalists Tracking Education Stimulus Spending -- and how you can help!
The recent economic stimulus package included billions of education dollars. We all know that whenever large sums of money are involved, it is of utmost importance to follow its trail -- right from the start! How else do we know......
New Twist On Counterfeit Check Scheme Targeting U.S. Law Firms
The FBI continues to receive reports of counterfeit check scheme targeting U.S. law firms. As previously reported scammers are sending e-mails to lawyers claiming to be overseas and seeking legal representation to collect delinquent payments from third parties in the......
There is a cold chill running throughout this country -and it's not necessarily all about mother nature. Though most of us will soon begin to thaw-out from this latest arctic blast, there seems to be deep freeze surrounding Wall Street......