By Len Penzo
This past weekend I good-naturedly ribbed my friend Craig, from Money Help for Christians, for admitting that he “kissed budgeting goodbye” after more than a decade of faithfully doing it. I mean, this is the same guy who published a successful e-book regarding everything you wanted to know about budgeting (but were afraid to ask).
However, upon further reflection, perhaps I was just a wee bit too hard on Craig.
Continue reading The Importance of Long-Term Savings & Creating a Strategic Road Map
By Paula Pant
This guest post is from Paula Pant of Afford Anything, the blog that believes money should never hinder your dreams.
I have a confession. Normally I spend a lot of time emphasizing the importance of cultivating habits that reduce your desire to spend.
But I have one habit that makes me want to spend more money. It’s a practice – something I do almost daily – that convinces me that my current
Continue reading An Avid Rag Reader Confesses: They Make Me Want to Spend More!
By Len Penzo
There is absolutely nothing wrong with trying to stretch your dollar, but like anything else in life, sometimes that philosophy can be taken to its extreme. When making a purchase, frugal folk always consider a multitude of additional factors including the price of their personal time and/or the trade-off between quality and cost. On the other hand, cheapskates are much less pragmatic, usually focusing entirely on the price tag.
The bottom
Continue reading 100 Words On: The Thin Green Line Between Frugal and Cheap
By Lenina Penzo
This is a guest post from my daughter, Nina.
Hello! It’s me, Nina, again! My dad asked me to write another post for him. He let me pick the picture too!
He paid me $15 for this, by the way. (Thank you, Dad!)
That money’s going to come in handy too because lately I’ve been trying to save up for a new laptop computer. The one that I have my
Continue reading My 12-Year-Old Daughter Shares Her Secrets for Saving Money
By Len Penzo
Last weekend I was at a barbecue with my friend, Jason, who told me a good-news bad-news story regarding a deal he recently got from DirecTV for their extremely popular NFL Sunday Ticket service. For those who don’t know, NFL Sunday Ticket allows viewers to watch every out of market game for the entire football season.
Well, after having that package for several years, Jason finally decided to cancel the service
Continue reading Don’t Be a Wimp! 22 Things You Should Always Haggle For.
By Len Penzo
According to the National Restaurant Association, 88 percent of adults say they enjoy going to restaurants. It’s really no wonder. Dining out is considered a relaxing treat by most folks — a great way to escape from the hustle and bustle of a hectic day. If you enjoy having a cocktail or two with your meal, here’s a friendly consumer tip: ordering those drinks one at a time can be
Continue reading 100 Words On: A Really Sneaky Way to Reduce Your Restaurant Bar Tab
By Len Penzo
In 2010 my family spent $9,895.16 on groceries. If you were to press me on the matter, my teenage son, Matthew, probably ate about $9000 worth of them.
Anyone who thinks I’m kidding hasn’t seen our kitchen after a visit from my son. I mean, whenever Matthew finds a freshly-stocked pantry, it isn’t long before it ends up looking like an Egyptian sorghum field that’s been assaulted by a swarm of
Continue reading Culinary Odds & Ends: How Eating Leftovers Saves Me $1400 Annually
By Len Penzo
People often use the terms “rainy day fund” and “emergency savings” interchangeably when they are really two completely different forms of personal finance insurance. A rainy day fund is meant to help you weather short-term, relatively low-impact financial storms of less than $2000 such as a major car repair. On the other hand, an emergency savings account with three to six months of living expenses is designed for longer-term crises
Continue reading 100 Words On: Why You Need Emergency Savings AND a Rainy Day Fund
By Sabado Domingo
For many people, a credit card offers a flexible way to access funds when they’re needed. However, credit cards can do much more than this when they’re used properly – and can in fact end up saving you money in the long run.
Selecting the right credit card and knowing how to get the most out of it will end up leaving more cash in your wallet each month — and
Continue reading 5 Key Tips for Saving Money with a Credit Card
By Len Penzo
About a month ago I wrote a post detailing a recent supermarket misadventure where I had the misfortune of getting behind a nice lady who paid for her groceries with a giant bag of quarters.
I used that little episode to talk about about the benefits of Coinstar and why I have no problem paying their 9.8 percent fee. Needless to say, I was more than just a bit surprised when
Continue reading You Can Save Money Faster By Turbo-Charging Your Change Jar
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Disclaimer This site is for informational and entertainment purposes only, and the content herein should not be mistaken for professional financial advice. Ultimately, you and you alone are responsible for the decisions you make in life, so please contact an independent financial professional for advice regarding your particular situation.
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100 Words On: The Thin Green Line Between Frugal and Cheap
There is absolutely nothing wrong with trying to stretch your dollar, but like anything else in life, sometimes that philosophy can be taken to its extreme. When making a purchase, frugal folk always consider a multitude of additional factors including the price of their personal time and/or the trade-off between quality and cost. On the other hand, cheapskates are much less pragmatic, usually focusing entirely on the price tag.
The bottom
Continue reading 100 Words On: The Thin Green Line Between Frugal and Cheap