The Real Monthly Cost Of A New Car

During a recent car buying experience my wife asked me, “Can we afford this?” We were both staring at the monthly payment we would be responsible for, but the answer is trickier than a single number on a loan document. Several things must be considered when determining if a new car is affordable. Not Just A Monthly Payment Most importantly, do not fall for the most common trick of car salespeople. They ask what monthly payment you’re looking for, then adjust the term of the loan to match that payment. Before looking for a new vehicle, decide not only what […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/31/20

I have a date tonight!  Well, my wife and I have a date with our son and his girlfriend.  They both recently turned 21 and we’re taking them to a local vineyard for a wine tasting and brick oven pizza.  It’s not terribly expensive, but it will be great bonding time with our son and his girlfriend. Fist pump for quality time with family, and my favorite posts of the week! Posts That Make Me Fist Pump 7 Amazing Frugal First Dating Ideas from One Cent At A Time How to Find a New Job During COVID from Young Adult […] Read more »

Restarting Financial Communication With My Wife

Communication is key between people in a relationship who manage their finances together. Over time people may become less conscientious about staying on the same financial page with each other. My wife and I realized this had happened to us, which stimulated discussions on how to best reopen the channels of communication. Our financial communication now consists of  three major parts: Income / Bill Paying We have a bimonthly income and bill cycle. On the first and fifteenth of each month we talk about the income that came in, and the bills that are paid. We both know how much […] Read more »

5 Ways Water Damage Can Take a Toll on Your Home and Health

Water damage doesn’t just occur during serious floods. Homes can also be substantially damaged by leaky roofs, burst pipes, and even minor leaks if they aren’t caught early and the consequences can be worse than homeowners might think. Read on to find out about five ways that water damage can take a toll on residents’ homes and houses to learn why. 1. Mold Infestations Mold starts growing as soon as a home develops a moisture problem, and it doesn’t take much water for an established colony to thrive. Not all mold growth is obvious. Sometimes, mold hides in walls, ceilings, […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/24/20

As always, I’m looking for ways to maximize my enjoyment of the weekend while minimizing spending.  Tonight we’ve been invited to cruise the Mississippi River on a boat with some friends.  We’ll bring along a few beverages and snacks, but otherwise it’s low cost, high enjoyment.  Then, later this weekend I’ll be firing up my smoker to make three racks of ribs and having dinner with friends.  The ribs will cost about $30, but that’s super cheap for a fun time with friends. Fist pump for frugal, fun, summer activities, AND my favorite posts of the week! Posts That Make […] Read more »

Pandemic Spending: We’re Still Mindful Of Our Spending

With many businesses closed or operating in a limited capacity and large social events not allowed our spending habits have certainly changed. While we may be spending less in some capacities, there are still temptations to spend needlessly and waste money. Here are four things I’ve resisted temptation and refrained from buying: Leaf Blower After mowing the lawn grass clippings are left on the driveway and our cement patio. A leaf blower would make cleanup easy. But a good old fashioned broom works too. Or, I could just let the wind take care of it over the course of the […] Read more »

Debt is a Net Positive When It Serves a Useful or Necessary Purpose

Whether you’ve previously used debt in a business or for personal use, it’s not all bad. The difference that people often refuse to examine and determine is what is its useful purpose? How will the debt serve your requirements and make your business (or life) better? With this clarity, it’s possible to make smart decisions around money and debt. Royalty free photo Here are some examples of making debt a net positive in a business setting. Business Expansion Wanting to expand a small business from a side hustle into something bigger that will support a full-time salary, and perhaps eventually […] Read more »

How to Enhance Your Ride on a Budget

Nobody wants to drive around town in a broken-down old clunker. If you’re like most car owners, you want to ride in style. Even if you have a great vehicle that looks good and drives well, there’s always room for improvement. That said, vehicle upgrades can get very expensive, very quickly. Some of the best upgrades and accessories come with a huge price tag. However, if you’re trying to trick out your ride on a budget, don’t stress. There’s still hope. So, let’s take a look at the 5 best ways to trick out your ride without breaking the bank! […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 07/17/2020

How’s this glorious Friday treating you, EOD Nation?  This week went by super fast for me, and this weekend is packed with inexpensive fun.  Tonight we’re having just a few friends over to eat brisket I had vacuum sealed in the freezer, and tomorrow we’re invited to someone’s home that hired a musician for live music.  They’re small gatherings, and we’ll be outside to keep us as safe as possible with respect to COVID-19. What do you have planned? Fist pump for fun weekends, and my favorite posts of the week! Posts That Make Me Fist Pump Save Money With […] Read more »

How The Internet Saved Me Money: DIY Lawn Mower Repair

I’m a DIY kind of person whenever possible. I love when the internet provides resources allowing me to build, maintain, or repair something myself, saving the cost of having someone to do it for me. I had yet another instance of the internet saving me money when my lawn mower needed some repair. Broken Mower I was about half way through mowing my lawn when I turned a corner and felt something snap. When I pushed on the handle of the mower to engage the self propulsion, it didn’t move. I pushed on the handle again, but nothing happened. I […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 07/10/20

Happy relaxing Friday, EOD Nation!  I’m currently on vacation with family.  I’m spending my days cruising a lake on a pontoon boat, casting my fishing line into the water, and firing up the grill. I’ve got a few days left until I roll back into real life, but until then I’m going to enjoy every drop of relaxation I can! Fist pump for relaxing vacations, and my favorite posts of the week! Posts That Make Me Fist Pump Does Stockpiling Cost You Money? The Effects of Stress on Your Finances 17 Best Personal Finance Books to Read of All Time […] Read more »

5 Ways to Make Better Money Habits

Managing finances can often be overwhelming, especially when it feels like you just can’t get ahead. Without realizing it, you’ve probably developed some bad money habits along the way, making it feel impossible to overcome your financial stress or debt. Keep reading to learn about some simple strategies for creating better financial habits. Create a Budget  Budgeting is one of the most useful tools that you have at your disposal. Map out how much income you make each month, where that money needs to go (for bills and living expenses), and how much is left over. By spending some time […] Read more »

5 Signs that Indicate You Should Sell Stocks

Knowing when to sell your stocks is just as important as knowing when to buy them. There are right and wrong times to sell your stocks, and making the wrong decision can result in profit loss. However, when there are clear signs that you should sell your stock, you can potentially make money, or at the least avoid losing money in the future. Learn about some important signs to look for when deciding to sell stocks. Changes Within the Company There are several fundamental changes a company can undergo that would signal that it’s a good time to sell your […] Read more »

A Case For No Haggle Car Dealerships

Some people make buying a car really difficult, and they actually wear it like a badge of honor. They brag about their negotiating skills. Bursting with pride, they tell stories of how they demanded a lower price from the salesperson and walked out only to be called back a week later. If you’re like me, this sounds like stress I don’t need, and a complete waste of time. I seek out no haggle dealerships for my car buying needs. Those that love negotiating car prices are rolling their eyes right now. I got those same eye rolls from people when […] Read more »