Earn, Save, and Live Joyfully.
It seems you may need an emergency fund after all. A HELOC, (home equity line of credit), may not be available to you in case of emergency. Countrywide Home Loans sent letters to at least 122,000 homeowners nationwide informing them they can no longer draw on their home-equity lines of credit. Many homeowners rely on … Read more
I have co-workers who seemed determined to work forever. When I ask them about retirement they always say they see no need to quit working. Honestly, it’s difficult to determine whether they need the money or they just like going to work each and every day. One sixty year old woman I know says she … Read more
To attain a large sum of money in a relatively short amount of time it is necessary to prepare, work hard, budget (even if you don’t create a formal spreadsheet), and restrain yourself from fruitlessly spending money. It also helps to be well educated and to pick a career that yields a high paycheck. But … Read more
In today’s post over at the Simple Dollar Trent asks the question when is frugality stealing? The debate stems from an earlier post where Trent explained how he read the recipe from a bookstore cookbook into his voice recorder so he wouldn’t have to purchase it. If you haven’t checked out this post and the … Read more
Michelle Singletary writes an interesting column in the Washington Post called The Color of Money. I enjoy her column because she often focuses on the emotional side of financial decisions. Today she wrote an article called Too Rich To Be Poor Mouthing. During an online discussion on November 8th a gentlemen asked the following question: … Read more
After a long day of working, driving, visiting my folks and a trip to the dentist I am too tired to post. Instead of writing I spent some time catching up on some of my favorite personal finance blogs and found a few new ones I thoroughly enjoyed. During my travels I came across a … Read more
Last summer, I took a meditation course at a local university. In one of the sessions, the instructor handed each of us a grape. We were asked to savor the grape, to concentrate on the texture and taste of the grape, to bite into it once, feel the juice in our mouths, and allow the … Read more
As I click around personal finance blog sites I am always amazed by just how many bloggers are in debt. There are a lot of bloggers that write about how they got into debt, how they plan to get out of debt, what keeps them in debt, etc. Thanks to the wonderful gift of a … Read more
More and more often I find myself wishing for a more enjoyable job. I haven’t decided what I’d rather be doing but I know I’m not entirely satisfied in my current position. On one hand I consider alternative career paths, on the other, I consider the good benefits and pay of my current position. A … Read more
Earlier this week I wrote about the recent problems with Chinese imports including the recall of millions of toys manufactured in China. The September issue of Good Housekeeping provides extensive details on the risk of lead-based toys to children, including long-term learning disabilities and even death. In Poisonous Lead Toys, the author places blame on … Read more