There are lots of things that people waste money on, but I want to talk about something that I used to waste money on. Movies! Do you have a DVD collection that rocks? I have noticed that people take great pride in their DVD collection, and you often hear them proclaim it’s greatness with enthusiasm. I used to be one of those people that collected movies, that was at least until I realized how much money I WASTED on movies that I hardly ever watched. I started asking myself if the value was worth the expense. People like to brag […] Read more »
“He Who Has Not Christmas In His Heart, Will Never Find It Under A Tree.” ~Roy L. Smith
The Spin-Off First I just want to thank everyone for participating in yesterdays discussion. I enjoyed it so much and am pleased to see that all of you did too. SO THANK YOU! To be honest yesterdays post started as just another Christmas Gift idea article. Then it transformed into what you enjoyed so much, so I left out the original idea to shorten the post. People go absolutely insane come Christmas. They let guilt, popular opinion, and the need to impress others take over their wallets. They say things like, “I have to get them something, they might buy […] Read more »
Have You Ever Had A DEBT FREE Christmas, And Will You Accept My Challenge?
An ‘Official’ Enemy Of Debt Challenge – Can You Have A Debt Free Christmas In 2009? You might think that a debt free Christmas is not possible, but it is! Very possible! You just have to think and behave differently with your money. With Christmas a little less than five months away, it’s time to start planning. Actually, the best time to start is around February in order to decrease “wallet shock”. (When you fund Christmas all in one month) We’ve all experienced it. It’s when we realize in the 11th hour Christmas is upon us. Usually it happens after […] Read more »
Public Service Announcement: Cash For Clunkers Equals Debt For Suckers
Poooof!! And The Government Said Let There Be…Three Billion Dollars! Now this is just getting silly! This post is about DEBT! The Cash For Clunkers program has been, or is in the process of being revitalized. Yep, that’s right. Two billion dollars out of thin air, or maybe I should say, out of your children’s children’s front pocket. Debt is dumb and so is this ridiculous program! Let me see if I understand this correctly. The Government taxes you into servitude, creates a program in which you are said to receive FREE money by giving you up to $4,500 in […] Read more »
“Sorry I Couldn’t Tip More, But I’m Broke”
A Little Background Information I work for tips, well at least for the moment anyway. I have been working at Papa John’s for going on 4 years, and it has been VERY good to me. I deliver in the UVA area so business is usually better than in other parts of Charlottesville. It’s flexible, EASY, and I have made some great money, especially when my wife was going through Nursing School. It has allowed me to spend lots of time with my little man, Isaac, over the years, and to me that is better than any monetary rewards. Here recently, […] Read more »
Are You A Super Saver?
Are You Looking For Ways To Save Some Money? We are! Here recently we took a trip to a neighboring city just for that reason. We jumped on the interstate, and headed about 30 miles west, to visit a store that has deeply discounted food. My wife loves going here but I have been a little hesitant because of the fact that some of the food is past the expiration date. I have always been a little finicky when it comes to this sort of thing, and that does include leftovers in the fridge past a few days old. You […] Read more »
Sometimes Just Knowing What To Do Isn’t Enough!
Broke Financial Gurus? No Way! It’s true! You can be considered an expert, but that doesn’t mean you will not struggle with the process itself. It doesn’t mean that discipline is automatic. and most of how you handle your money is behavior anyway. We know exactly what it is that we need to do, and why, but even we still have problems when it comes to following through at times. Why is that the case? For starters, we are human which means we can mess up, and to me there really is no other explanation needed. Whether it’s impulse spending, […] Read more »
Monkey See, Monkey Don’t!
MONKEY SEE, MONKEY DON’T I have said before that Washington is in desperate need of a Total Money Makeover. If you have been keeping up with current events in Washington then you probably are aware of the current spending proposal to “stimulate” the economy. If not, then you should be, because your tax dollars are being wasted on a daily basis. (Nothing new right?) In fact, your grandchildren are going to be footing the bill. It’s no wonder that most of America has a hard time managing their money, when they watch “supposedly” intelligent minds in Washington giving them […] Read more »
A Sacrifice Is Not A Loss But A Gain
Returning Thoughts I am in my car a significant amount of time. I have tons of time to think about so many things. One of the questions I find myself asking is “What in the world do people say when they see my car?”. My first response is usually laughter because I imagine what people might say who would never be caught dead in such a car. To make it even more amusing I have a sticker on my bumper that says, “Act Your Wage”, beside another “Anti-Debt” sticker. To me this makes TOTAL sense, but the average person might […] Read more »
Dave Ramsey for President 2008
President Ramsey? No, Dave Ramsey isn’t running for President, but if he was, I would probably vote for him. He has expressed his opinion and has made it clear he does not want the job. Personally, I do not blame him, but boy would it be nice to have a Government with a ZERO-BASED BUDGET? It would be nice to have someone who knows how to cut expenses and knows the difference between a want and a need. Someone who knows all to well how it feels to hit rock bottom, and someone who knows how to bounce back by […] Read more »