Archive for February, 2007
How to Pay For College without Student Loans
So it’s your senior year of high-school and it slaps you in the head that you’re going to want to go to college next fall, and you didn’t save any money to do so! Unfortunately your parents are just as broke as you, and they can’t bail you out either! You have no money, and [...]
How to Defeat Your Debt.
When I was 19, I went and filled out my 1040 EZ like a good little citizen, and it told me that I made about $10,000 that year, and I really didn’t have anything to show for it except several thousand dollars in student loan debt. Sure, some of that money went to tuition, books, [...]
How to Cram Everything into Your Schedule And Have Time Left Over!
We’re all incredibly busy, and it seems like that there’s never enough time for everything. As time goes on, it doesn’t slow down, we just keep getting a little bit busier each year, and it seems like there’s nothing we can do to make ourselves less busy! With work, family, taking care of the household, [...]
The Typical American Family is Broke!
It’s time to face the facts. Most Americans are absolutely horrible with handling money. Over time there has been a consistent rise in the amount of debt that people have, a decrease in the amount of investments that people have, and it’s only getting worse. Americans have a negative savings rate, and the vast Americans [...]
How to Retire a Millionaire with $100 a Month
Have you ever walked into a Wal-Mart or other big box store and been greeted by an older person who probably should have retired a decade ago? We all have at some time or another, and most of us think that when we’re that age, we want to be taking vacations and spoiling our grand [...]
Ten Things I Wish My Parents Taught Me about Money
When I was a wee child, I never got really any instruction from my parents when it comes to money. They did a great job at raising me, providing for me, and instilling morality and ethics into my being. There’s no such thing as a perfect parent, and we have to realize this. I would [...]
The Do’s and Don’t of Asking For a Raise
Raise your hand if you’d like to earn money! Just as I suspected. We’d all like to get an increase in salary, but very few of us are willing to swallow our doubt and ask for a raise. Instead we just go to work every day, do what we’re supposed to, and hope that the [...]
How to Pay Of $7000 in Debt in 2 Semesters of College
When I was a sophomore in college, I found my self in a pretty bad financial situation. Between paying for school and a budding credit card problem, I had found my self in $7000 worth of debt. My net worth was headed in the wrong direction and it needed to change 180 degrees. I statistically [...]
Marriage and Money: Getting On the Same Page
If you are married, there’s one word that will send shivers down your spine, no matter who you are. Yes, it’s the “D” word, divorce. They are never welcome events, are always gut wrenching, and cause a lot of pain. It makes sense that couples should work together to improve their marriages on a regular [...]
Roommates: Can’t Live With Out Them
Stephen Wright once said, “My roommate got a pet elephant. Then it got lost. It’s in the apartment somewhere.” Getting a room-mate is perhaps one of the best things that you can do if you are unmarried to save money. There are also a lot of non-monetary benefits to having a room-mate as well that [...]
Why I Work 60 Hours a Week and Love It
Each and every single one of us has a lot of hopes and dreams for the future. We dream that we could someday retire to an exotic location. We hope that we will be able to pay for our children’s college free and clear. We desire to have our homes one-hundred percent paid for. There [...]
Why I Will Never Borrow Money Again, Period.
I wonder if anyone has ever gotten out of bed, thrown off their covers, sat up, and said “Thank God, that I’m in debt It would really be a terrible thing if I didn’t owe anyone anything!” Nobody likes owing other people or banks money, yet the super majority of Americans are. People borrow money [...]
The Problem with PayPal.
Just a mere seven years ago, two companies which were offering internet based financial services merged together to form what we now know as PayPal. The first company, X.com, dubbed it self as an internet financial services company. The other company, Confinity, was working on Palm Pilot based payments. Before they knew it, PayPal had [...]
How I live on $600 a month.
There’s a commonly held belief that college students are dirt poor and have to find ways of living on practically nothing, and it’s absolutely true. Most students believe they don’t have time to work any serious amount of hours while they are in school, so they don’t make very much money. For being in college, [...]
Personal Finance Blogs That You Need to Read
None of us will ever wholly agree on money. Some people hate debt, others believe that it is a much needed financial tool. Some abscond whole-life insurance, others swear by it. Some argue gold is a solid investment, others promote by mutual funds. In order to define your own viewpoint on money, you really have [...]
America’s Culture of Financial Stupidity
Recently I was doing some research for an article about making money on the internet, and out of the top fifty search results that came up, nearly each and every single one of them were scams. There were all of these different programs which explained how they could make you rich without you putting in [...]
How To Identify Bad Financial Advice
Asking someone how to handle money is like asking them which religion is the correct one. Everyone has an opinion, and everyone thinks they’re right. Between all of these differing views, it can often be very difficult to discern who’s advice about money is trustworthy and who’s should be discarded. Fortunately there are several questions [...]
The One True Secret of The Rich
When I was younger, I used to work at a gas-station as a part time job while in high-school. The gas-station was connected to a Burger King restaurant, and there was an interesting character who worked for Burger King. He did the building maintenance for the property, and he wasn’t always the best with money. [...]
How To Find an Entry Level Job
When you are first seeking employment and have no work experience, whether you are right of high-school or college, you are going to need to start in an entry level position somewhere. Not everyone can jump to a six figure income right away. You might be able to if you are a doctor, but otherwise, [...]
Explaining Insanity: Those Who Ignore Retirement Planning
America’s generation of baby boomers are about to retire, and what is the biggest fear? Is it not having enough hospital beds, or not enough quality senior activities? No, it’s the unfrequented burden that will be placed on government services such as social security and Medicare. Good shares of people who are going to retire [...]
Alternatives to Payday Loans
There are very few individuals who actually believe that there are circumstances when it’s okay to get a payday loan. We all know that they are generally a bad idea, but when you find yourself in a situation where you need money to eat and have seemingly no other options, they become much more of [...]
The Online Engagement Ring
Just under five months ago, it became very clear that my girlfriend was the one, and that she is definitely the woman that I want to marry. This meant going out and buying an engagement ring, but heck, I’m a guy, what do I know about buying jewelry? I did what any savvy consumer would, [...]
Implementing Age Old Money Clichés In Your Life.
There are a lot of old sayings that we all have heard about money. You know what I’m talking about, things such as “live on less than you make” and “pay yourself first.” They are all nice one-liners that our grandparents told us, but they aren’t always the easiest to make use of in our [...]
Your Education: Is Graduate School Worth It?
It’s pretty much generally agreed that taking the time to attend college, putting in all of the academic effort and paying for school will pay off in the long run. An online college is less expensive than a regular graduate school program. We know that statistically people who graduate college will make much more than [...]
Are Payday Loans Ever a Good Idea?
The current status of banking in the United States is much unlike any culture in the history of the world. There is much more capital to invest, and because of fractional reserve banking, there’s just so much money to loan out. Before only people who could surely pay off a loan would be able to [...]
My $35.00 Valentines Day Date.
I was hoping to write about this topic a little bit sooner, but my fiancé happens to read my blog, and if I told you about my inexpensive idea for valentines day early, she’d know what I had planning! We ended up celebrating a day early, because I was in the state capital presenting a [...]
Quit Wasting Money: Stay Away from Premium Gasoline
When you drive down to your local gas station for a fill up, usually you have more than one option. You’ll have the regular gasoline, the silver and the gold/platinum grade gasoline. At some more progressive places, you might have bio-diesel, E85, and other alternative fuels. You have all of these different options with different [...]
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