Fist Pump Friday: I Love You Like A Blogger Roundup – 2/20/21

It has been cooooooold outside the last few weeks. We’ve been pretty spoiled so far this year in the Midwest as we’ve had mild weather and no really big snowstorms.  Another benefit of such weather is monthly utility bills have been less than usual for this time of year.  That luck ran out at the beginning of February when temps took a dip.  For an entire week, temps struggled to get above zero (Fahrenheit).  I’m guessing next month’s utility bills will reflect that.  The good news is Spring is just around the corner! Fist pump for low winter utility bills, […] Read more »

Why I’m Financing New Furniture

It all started with me pointing at a small rip in our couch worn with 17 years of use. I told my wife the next home related item we should save for and replace was the furniture in our living room. Two days later I found myself filling out an application for a 24 month, zero percent interest financing offer to order a couch, love seat and recliner combination. The obvious intent of my statement to my wife was to begin saving money. When enough funds had been stockpiled, we would go shopping for furniture. After some investigation and discussion, […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 2/12/21

It’s Valentine’s Day this weekend, as if you didn’t already know.  Polls show that despite the pandemic, Americans are planning to spend more than ever on their significant other. The pandemic may actually be fueling the increase in spending because many have more discretionary funds due to lockdowns.  My wife has instructed me more than once that I am not to buy her flowers.  We do have plans to go out to eat for a special Love Day meal at one of her favorite restaurants.  Outside of that, we’ve both agreed that the best use of our funds right now […] Read more »

Successful Budgeting Requires Looking Ahead

Looking at the calendar, I knew my wife and I had to do some extra planning during our next budget talk. Our budget cycle runs bi-monthly because that’s how I get paid. Looking at the 2021 calendar, I get paid on January 29th, and then again on February 15th. In between those two paydays are three weekends. We normally split the discretionary funds for a pay period between two weekends, but just how the calendar laid out in this instance, we have three. This situation requires us to look ahead, and plan ahead. Life is full of scenarios just like […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 2/5/2021

NFL football is my favorite sport to watch, therefore The Super Bowl is one of my favorite events. Normally I’m getting together with friends for the big game, either at my home or somewhere else.  This year, my wife and I will be winging it alone.  Literally, since I will need to have Buffalo wings as part of the game day food.  See what I did there?  It’ll be different, but I’m sure I’ll still enjoy the game. After all, my wife is my favorite person, and she loves football just as much as I do. Fist pump for The […] Read more »

Not Everyone Has Hassle Free Return Policies Like Costco and Amazon

I’ve become accustomed to the hassle free exchange policy of the most popular retail giants. Returning something ordered from Amazon is as easy as bringing it to the nearest UPS store, scanning a QR code and having the refund sitting in my Amazon account by the time I get home. I once returned an unused air mattress I decided I didn’t want to Costco nearly a year after I purchased it. No questions asked. But not all retailers are the same. Consumers need to research  the return policy of unknown retailers, especially if ordering online. I was reminded of this […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/29

With the reopening of restaurants in Minnesota, last weekend my wife and I went out to dinner with some friends.  It was fun, and the food was great but eating out can be expensive. This weekend will look much different.  Tonight, my wife and I purchased Alfredo sauce from Olive Garden and made pasta at home.  A normal Olive Garden visit would cost close to $100, but at home it’s a fraction of the cost.  Saturday night I’ll be grilling steaks, again at a fraction of the cost of going to a steakhouse.   We may not be going out, […] Read more »

Combining Money Saving Techniques In A Single Night Out

We share a lot of great money saving tips here on Enemy Of Debt. The goal is to enable readers to save money in their day to day life. Other personal finance blogs aim to do the same. Individually these tips will save money, but imagine if several could be combined into one frugal event. That’s exactly what my wife did with some friends over the weekend. Restaurant Gift Cards from Costco My wife and I planned to go out to dinner with two other couples. The agreed upon restaurant sold $100 gift cards at Costco for a price of […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/23/20

I unexpectedly had to shell out $125 for a new food saver vacuum saver this week.  A food saver allows me to make bulk amounts of taco meat, sloppy joes and barbeque items and then vacuum seal them for later use.  It helps not waste leftovers as well. But they only seem to last a few years before it just stops sucking the air out of the packages. I’ve read articles saying the gaskets wear out.  I saw a suggestion to wet the gaskets, but it didn’t help my cause.  So, I bought a new one, and it works like […] Read more »

Three Ways To Make Your Aging Computer Last Longer

A friend of mine called complaining her computer was running slower than it used to. Frustrated, she asked if I could look at it and see if there was anything I could do. Having dealt with this exact problem on my own computer I had some ideas as to what to look for. Check Hard Drive Utilization If your hard drive is filled near capacity, your computer will run slow. Check the utilization of your hard drive and delete unneeded files. If you keep pictures and videos on your computer, consider buying an external hard drive to store that data […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/15/2021

The first major snowstorm of the year rumbled through my area overnight, dropping 4-6 inches of heavy, wet snow. I didn’t mind since we we’re sticking close to home right now, and it gave me a chance to try out my new snow blower for the very first time. That machine had absolutely no problem eating the snow and tossing it well into my yard. It was glorious. I almost can’t wait for it to snow again. Almost. Fist pump for new snow blowers and my favorite posts of the week! Posts That Make Me Fist Pump Top Budgeting Tips […] Read more »

Want A Discount? Ask For One!

Everybody loves to find a great sale on a product they were going to buy anyway. Sometimes we even delay buying something we want until it goes on sale. But what if you could create your own sale, and save money simply by asking the simple question, “Can I get a discount?” That’s exactly what my wife did over the weekend, and it saved us $36. Background In early December my wife and I found a wine gift box at a liquor store containing 4 different half bottles of wine. We bought one with a specific person in mind for […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/8

After nearly two months of a second lockdown (our governor called it a “pause”), things are beginning to open up a bit again in the state of Minnesota.  I really try to limit the amount spent on dining out, but I am so ready to have a nice meal prepared by someone else. I’m not a huge fan of takeout, because the quality goes way down as you drive home from the restaurant with the food in brown bags. It’ll be nice to go out and support local restaurants again! Fist pump for opening back up, and my favorite posts […] Read more »

Post-Christmas Spending Analysis

Christmas 2020 was barely more than a week ago, but I’ve already laid the groundwork for Christmas 2021. I haven’t done anything like start stuffing away money or anything, although that’s not a bad idea. I’m doing a post-holiday analysis of my spending so I’m better prepared for next year. Why Look Back? Many people have a gift spending budget, many do not. This year, my wife and I didn’t have a hard budget. In fact, if asked I couldn’t even tell you with any precision how much we spent on Christmas gifts. What I can tell you is there’s […] Read more »