How much does it cost to raise a child these days? According to Baby Center web site, the cost of raising a child from baby to adulthood is $266,698. Now that you have pulled yourself up off the floor, I want to assure you that it is OK to bring babies into the world even […]
I am getting ready to embark on an all out battle against our energy bills and I know the next couple months are going to be tough. It’s been a cold December, but January and February are always a bit more intense. But after doing some homework, I found a bunch of simple things that we can do to lower our bills this winter. Even though I should have done this 2 months ago, I am going to basically treat this as my checklist of things to do to over the next couple weeks…
This is a tough question to answer because it is different for every person, but I like to think that the answer for most of us should be “a lot”…
It is obvious that overpaying for something isn’t a good idea, but with cars it is especially a bad idea. The reason is that cars are depreciating assets, so if you take a loan out for your purchase, you immediately enter into a race to pay the car loan down faster than the value drops. In my case with the convertible, I did a lot of things that ensured I was going to lose this race…
I was going to name it something like “where to find free TV and Movies online,” but changed it to make sure I added “legal” in there. It turns out that a whole lot of what I was finding wasn’t legal. I saw a link on one site to “Marley and Me” and I thought to myself, “isn’t that still in the theaters?” Sure enough I was right, as the video started, I noticed that I could actually see the theater seats in the recording. I guess someone recorded it directly from the theater – I am going to assume that isn’t legal. 🙂
In it you find that this unconventional church puts their money where their mouth is – or more appropriately – God’s mouth 😉 . They challenge the congregation to tithe for three months and if at the end of the 3 months the participants are not convinced of God’s faithfulness, they can get a full refund of every dollar they have given, no questions asked.
If you are like me and a little bit taken back by the high price of replacing the pages in your Franklin planner, I just found a great alternative. It does require a little bit of an upfront investment and some elbow grease, but it should pay for itself very quickly. ..What you need to create your own planner pages… Paper – probably a thin stock, to keep your planner from becoming too bulky…
Do you not have any money for Christmas this year? After some of the financial challenges of this year it seems like there going to be more people who don’t have much cash for Christmas gifts this year. If you are in a tight spot this year and want to have a debt-free Christmas, then we need to get a little creative.
Why after every Christmas are most people looking at huge credit card bills wondering, “Where did all that money go?” It is no different than any other area of our lives, if we don’t have a leash on it – it will be out of our control. Think of your money like your neighbor’s dog
Where is the best place to open a savings account? I often get asked where the best place to save money is. I think it depends a little bit on your goals, but for now the simple answer is ING Direct. If you are stocking away a quarter million dollars in your savings account, I wouldn’t recommend them since they do not have the highest interest rates.
Should you pull your money out your bank? Well, this is my opinion on the whole financial crisis in the U.S. and how it will affect our money.
You know they say you can’t be all things to everyone. Rubbing Alcohol apparently disagrees. After doing a little investigating, I discovered a bunch of uses for it that I never knew about before. The beautiful thing is that you can get rubbing alcohol (isopropyl alcohol) just about anywhere for less than a buck a bottle. It is for these 8 reasons that Rubbing Alcohol is my hero!!
Over 15 free budgeting tools… Some of these budgeting tools are online applications, some are downloadable software, some are for Windows, some are for Mac and Linux, some of them may have lots of bells and whistles, and some may be overly simplified. I suggest you dig through and see if what works for your budget. Every person is different, therefore every budget will be different. It may take some time to find what fits you best, but it is out there and if it isn’t create it and let me know about it!
1) Earn some real interest on your savings. If you are still sitting using a “traditional” savings account that is paying you 0.5% on your savings, you are leaving a lot of cash on the table. For every $3,000 in savings, you could easily be earning an extra $100 a year in interest. I like […]
Getting out of debt part 4…Getting out of debt, creating wealth, living financially free, retiring with cash in hand can all be achieved by following one simple rule: Spend less money than you make.
My local gas company had a list of 30 Hot tips to use energy wisely. Below are some of the tips worth noting: Attic insulation could be your best investment. It lowers the cost of both heating and cooling.
Is Primerica a legit company? Here are the pros and cons of Primerica from my perspective… I have been to quite a few multi-level marketing recruiting meetings over the years and I don’t mind meeting with the recruiters and really learning what the company is all about.
I talk a lot about the importance of having an emergency fund and how it is a necessary ingredient to a sound financial plan. But, I thought we should step back and ask the necessary question, “Would Jesus have an emergency fund?”
You can minimize the amount of depreciation of your car with these tips… Everyone has heard that a brand new car goes down hundreds or even thousands of dollars the minute you drive it off the dealer’s lot. This is just the beginning. Over the first year some cars depreciate as much as 35%.
I bought my wife’s engagement ring from Amazon.com and I learned a few things in the process… When I began shopping for my wife’s engagement ring, I started browsing “traditional” jewelry stores to get a ballpark figure for what I could get with the amount I had saved up. Like most other purchases I make, I did my homework and learned about the four C’s (color, cut, clarity, carat) so that I could make an educated buying decision…