April 2008

Our 50% Savings Success

A couple months ago I blogged that my husband and I are saving nearly 25% of our income every month, and have been doing so for several months. We were able to reach that rather astounding figure because we significantly paid down our debt and spend carefully.Then something even more astounding happened. Yesterday I asked my husband how much we’d be putting aside this month. He tossed out a figure…
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Save Money by Giving Yourself a Facial at Home

Any woman who’s had a facial knows how wonderful and luxurious they are. The comfy robes, the smooth treatments, the neck, hand, and leg massages. It’s so relaxing. But in this economy, most of us have to say no to such extravagances. While you can’t fully reproduce the spa experience, you can give yourself a facial at home to at least feel like you have some luxury in…
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Pros and Cons of Liquid Emergency Funds vs. CD Ladders

My husband and I have been debating what to do with our emergency fund. Should we keep it all liquid in an online savings account currently earning about 1.22% interest or put some it in a CD ladder? There are pros and cons of both options, so really it comes down the size of your fund and how liquid you need it to be. Fully Liquid Emergency Fund Right…
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Struwwelpeter, Veteran’s Day, and Aviation at the Carnivals

This week we have another three personal finance carnivals in the round-up. We also have some interesting financial news: Americans have stopped shopping. Wow. Is this the start of a brave new world? While you ponder that, here are my picks from this week’s round-up, complete with two editor’s picks for yours truly! First, the Carnival of Personal Finance #178 hosted by the Digerati Life. SVB made my post about credit…
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Picking Apples at Monticello – at the Carnivals

I’m back with another blog round-up. This week we have three carnivals to share, so let’s get to it. First, the Carnival of Personal Finance at Simply Forties. In addition to my post taking a look back at my financial year, I also recommend Divident Growth Investor’s six things he learned from the financial crisis. Next, the Festival of Frugality #195 hosted by The Good Life on a Budget. In addition to my post…
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Free Money Management Software: Yodlee Review

In my continued quest to find free personal finance software, I checked out Yodlee. It’s actually the software behind Mint and the online software packages at several banks. Like Mint, it’s completely secure. In fact, you travel through several identity confirmation screens before you enter your password. The only odd thing about it was how hard it was to find the Yodlee MoneyCenter registration page. Rather than going to their primary…
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Memorial Day and Family Vacation – at the Carnivals

Okay, everybody in the van. It’s time for the annual family vacation, wherein the kids fight in the backseat, everyone’s miserable, and someone gets left at the gas station. Sounds fun! Or we could just recap this week’s blog carnivals. First, the Carnival of Personal Finance #206 hosted by Greener Pastures. In addition to my post about what you would do if the bank made an error in your favor, I also…
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Frugal Thanksgiving Centerpieces

When it comes to Thanksgiving centerpieces, it’s best to go simple. You could spend a fortune on a giant cornucopia overflowing with gourds, nuts, and flowers, or you could keep it simple with a small vase, some fall leaves, and candles. Here are a few of my favorite ideas for Thanksgiving table decorations. The Simplicity of Fall Leaves This is probably the easiest to put together. Come Thanksgiving…
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A Reminder about Renter’s Insurance

Yesterday while driving to work, I heard a report about some of the people who have lost their homes in the Georgia floods. They are renters and their rented homes are gone, along with their stuff. They went to shelters seeking money, but found only food and a place to sleep. The Red Cross can’t provide vouchers until it gets government money and the state is strapped. If…
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$37,000 Success: September Debt Reduction Progress

We did it! We’ve paid off $37,787 in debt in ten months. As I said last month, August was an awesome month for debt reduction. We eliminated one student loan and cut another one in half. Despite that, we thought we wouldn’t get the balanced paid off before the end of the year. Fortunately, luck was on our side in September. Debt Reduction Progress in September Done! On September 22,…
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