Robert Louis Stevenson said that there can be no fairer ambition than to excel in talk. And while that may be true for the dreamers in life, successful people know the world will always depend on doers — folks who are motivated to follow through and turn grandiose plans into reality. Dreaming alone is never enough; you need ambition too. That means setting measurable goals and mustering the courage and
Continue reading 100 Words On: How to Quit Dreaming and Start Doing
I’ve been diligently managing my personal finances and tracking household expenses for more than 20 years.
How diligent, you ask?
Well, I can tell you that my cable bill in February 1998 was $8.03, and that I spent $141.16 in 2006 for an annual subscription to the Los Angeles Times.
I can also verify with total certainty that 7 percent of my income in 2007 went towards groceries, and vouch that I spent
Continue reading Why I Prefer a Spreadsheet to Track Expenses & Manage My Finances
When you’re facing an important financial decision, there’s something to be said about taking a night to think it over. That’s because, when it comes right down to it, most financial decisions aren’t emergencies — although a lot of folks might think otherwise. Unfortunately, people often feel compelled to throw caution to the wind and make expensive purchases — either on impulse, or under the gun of a high-pressure salesman
Continue reading 100 Words On: Why It Pays to Sleep on It Prior to a Big Decision
As this penny illustrates, even the United States Mint occasionally makes money mistakes.
I’m not ashamed to admit I’ve made more than a few mistakes in my lifetime. After all, everybody screws up occasionally; for us humans, mistakes come with the territory.
For example, I remember the time I decided it would be great fun to play Wii golf for eight consecutive hours. So I did.
Unfortunately for me, my middle-aged left
Continue reading The 50 Biggest Money Mistakes Household CEOs Make
While it didn't make this list, always beware of grocers who insist on using price tags written in Japanese.
When I was teenager I worked in a grocery store, initially as a box boy. Within six months of being hired, however, I was promoted to checker.
Over time I eventually got to work almost all of the jobs in the store including working the deli counter, and helping the overnight stock
Continue reading Sneaky Price Tricks Your Grocer Doesn’t Want You to Know
Today my good friend Paula Pant, who is the proprietor of the terrific blog Afford Anything, has graciously agreed to bail me out while I finish up my vacation in Hawaii — so please, folks, check out her site! I’ll be back on Tuesday.
For this guy, wasting time is a full-time job.
A few months ago I read an interesting analogy in the book Talent is Overrated, by Geoff Colvin.
Continue reading A Day in the Life of a Low Performer
Awhile back, we took my Rhodesian Ridgeback, to the veterinarian for what I call a pet “lube, oil and filter.” To put it another way, we had Major placed under a general anesthetic so the vet could clean his teeth and work on repairing a couple of malfunctioning anal glands. I know.
Then, adding insult to injury, Major got neutered too.
Of course, when my faithful pooch finally awoke in the
Continue reading Surefire Tips for Keeping Pet Medical Costs Low
Most people who have emergency and rainy day funds use banks to keep their cash safe. However, it’s also wise to keep a home-based readily-accessible disaster fund in the event a situation arises that makes it impossible to withdraw the cash from those accounts — especially if merchants become, for whatever reason, unable or unwilling to conduct credit card transactions too.
The trick is in finding the perfect secret place for
Continue reading Your Disaster Fund and the Best Places to Hide Money in Your Home
This weekend I was pouring a little half-and-half into my cup of coffee (no, not Folgers) when I noticed something extremely disturbing: the creamer was 34 days beyond the expiration date printed on the carton top.
Yes, 34 days. I know.
Of course, the first thought that immediately crossed my mind was: You idiot!
Considering that I was on my third cup of the day, the next thought that popped into my head
Continue reading Is It Okay to Eat Foods Past Their Expiration Dates?
Most procrastinating high school and college literature students know that when they’ve put off their reading assignments to the point where they no longer have the time to actually read the book, they can always rely on Cliffs Notes.
Some kids are hooked on Cliffs Notes like a bad drug while others use them in a purely “recreational” fashion. In fact, I’ll bet well over half of you reading this have
Continue reading Personal Finance For Dummies: It’s as Easy as A-B-C