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 »

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 »

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 »

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 »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/3/20

It’s gonna be a hot Fourth of July weekend in Minnesota, but we’re still planning on having a few friends over to hang out for the afternoon.  Our city’s fireworks display has been cancelled (Booooo) but we typically have plenty of private displays visible from our back yard.  I’ll be firing up the grill for some marinated brats and hamburgers, and one of our friends are making watermelon mojitos.  We’ll have other stuff as well.  Looking forward to a low key but fun Fourth of July! Fist pump for ‘Murica, and my favorite posts of the week! Posts That Make […] Read more »

How The Internet Saved Me Money: DIY Sprinkler System Repair Edition

I frantically sent the email, with a subject line starting with “URGENT.” Then I called the number from the website and left a message saying I didn’t need the service person to come for my 7:00am appointment to look at my sprinkler system. I didn’t need them to come because I found key information that made the service call unnecessary.  The internet saved me money. Broken Sprinkler System About a week ago, I opened my sprinkler system for the first time this summer. The control panel said the system was on, but none of the sprinklers pop up. I called […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/26/2020

Emergency funds are on my mind today, EOD Nation. There’s even a link to an article about the need for emergency funds in this week’s favorite articles. The reason it’s on my mind, however, is my sprinkler system.  It’s been fairly rainy in Minnesota so far this season, but as we enter July and August things get hot and dry. So I decided it was time to turn on my system.  Unfortunately, there appears to be a problem with the system. Water is being fed into the system, the control panel indicates the system is on when I attempt to […] Read more »

Best Father’s Day Brunch Ever

How many people went out to eat yesterday to celebrate Father’s Day? Whew, that’s a lot of hands. My hand is not up, I did not go out to eat. What I did was much better. Our neighborhood hosted a Father’s Day brunch in our cul-de-sac inviting people within our neighborhood, and even some friends that don’t. Griddle Me A Main Course A neighbor friend and I both own flat top griddles. He cooked lemon ricotta and cream cheese pancakes on his griddle, while I cooked made to order omelets on mine.  I even had order forms for people to […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 06/19/2020

I held out as long as I could, but I finally decided to turn on my sprinkler system for the summer as my grass is looking a little dry. That tends to happen as June turns into July and we enter the warmer and dryer portion of the season. Unfortunately, after opening the water valves, plugging in my control unit and turning on the system, nothing happened.  Something is wrong with my sprinkler system and someone will have to come out and diagnose what is wrong with it and tell me how much it will cost to fix it.  The […] Read more »