Manage your credit, debt, and budget through thoughtful and purposeful spending.
Long before I had this blog, I had a car loan. My old car, a hand-me-down 1990 Volvo Stationwagon with about 200,000 miles, decided to stop working while driving west on Belleview Avenue one summer morning. Fixing it would have cost as much as the car was worth, so I decided to get a brand new one.
I Paid Off My Car! Read More »
Budgeting, the exercise of personal finance, can make a big difference. Going from no budget to watching your expenses can save you a lot of money. However, as some financial bloggers point out, it is important to go for the big kills rather than a nickel here and a dime there. Cutting your rent, insurance, and cable/Internet bills can save big over the course of a year. Even more important, though, is income.
Budgeting to Save Money is Like Excercise to Lose Weight Read More »
For Chanukah, I asked for and received a Roku. Roku is like a cable box for the internet. My box brings in unlimited Netflix streaming videos (20,000 available) and music from Pandora. It can be setup to do much more.
A Present That I Used to Save Me Money Read More »
If you are a fan of peer to peer lending, you might be interested in microfinance. Microfinance is a type of lending designed to help people in poor communities around the world start a small scale business that can completely change their standard of living.
Microfinance: Invest in Someone’s Future Read More »
These days, a lot of people in their twenties discuss “cutting the cord.” That cord, of course, being the cable cord bringing in dozens, if not hundreds, of TV channels.
The Great Cable Debate Read More »
Anyone who has ever had a loan has seen the statements that come updating you on your progress. Early on, it is often disheartening to see that the bulk of your payment went to just the interest, and a small amount went to the outstanding loan balance. If you ever wondered why and how it works, read on. If not, read on anyway, you could still learn something.
How Loan Amortization Works Read More »
