Living for today - Planning for Tomorrow
When we went through the application process to refinance our house we locked our interest rate for 45 days at 4.875% for a 30 year fixed loan. We are quickly approaching the end of the lock period and I have found myself feeling a little bit stressed because interest rates have gone up a bit. When I looked in to what would happen when my
When will people quit falling for these scams? A LONELY postal worker has landed himself in huge debt – after handing over £130,000 to a string of internet scammers. Shane Symington started sending cash to the fraudsters in 2007 after he was contacted by a woman claiming she needed funds to help her sick mother. The trusting postie agreed and started sending money from an
Companies are planning on being in the giving mood on inauguration day. Here are a few of the goodies that you can pick up for free next Tuesday: Krispy Kreme: Stop by Krispy Kreme and choose your favorite donut. No charge Starbucks: You’re obviously going to need to wash that tasty donut down with something so why not stop by Starbucks and sign up to
Without a doubt one of my favorite parts of participating in the personal finance blog arena is reading the great stories of people that have awakened to the lunacy of carrying lots of debt and have changed their habits to grab hold of their financial lives. One of the first people to do this was NCN @ No Credit Needed. I can remember sending him
I’ve really been somewhat riveted by the current economic crisis. Each day seems to bring new twists and the numbers are getting worse by the month. Today they announced a 2.7% decrease in December retail sales. Isn’t December the month where everyone is supposed to go gangbusters and spend tons of money they don’t have? Apparently not last December. I’ve read more than a few
Amidst all the noises of garbage landing in the pile and large machines working away I heard the sound of my long time friend being crushed in to a thousand pieces. I suppose it had to happen sooner or later. The couch that has been my comfort every evening for 10 years finally had it’s last behind on it yesterday. At first I thought that
Every now and then I like to wander through my blogroll to see what’s happening on some of my fellow personal finance blogger’s sites. I really need to do this more often because there are a ton of great articles out there: http://www.2millionblog.com/2009/01/bought_baby_furntiure_on_craigslist.html 2Million is in the baby stuff acquisition mode. I remember those days very well. I can tell we are similar in our
It seems that the demands on my wallet never cease. Last week my wife decided to make something on the stove. We have a Jenn Air stove that just sits in a hole on the kitchen island in our home. Our oven is not connected to this and is on a wall in the kitchen. (It’s not a range/oven combo). Anyway, when my wife
A couple of years ago my house was known as the “cold” house. Every time my sister came to visit she made sure she brought along sweaters and coats. At that point in time my thermostat was set at 69 degrees during the day and 62 at night. With the temperature at 69 I could easily walk around the house with a T-shirt on and
Back in 2005 I asked the question, “What would happen if everyone saved 10% of their income?“. What a difference a couple years makes. My original theory was that our economy would falter significantly. Here’s what I said back then: My take on this is that, if everyone was consuming 10% less, our economy would head south. Our economy is based on growth, and if
