October 2009

How to Track Savings SubAccounts in Excel

Some online banks let you create what they call sub accounts in your master savings account. Essentially, these allow you to make one deposit and then divide the money between several uses for easier tracking. If your online bank allows this, then simply label the subaccounts things like vacation, property tax, homeowner’s insurance, etc. Figure out how much you need to contribute to each account, then make one…
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Creative Couponing for Food Drive Donations

Yesterday I did some creative couponing that netted me four brand new, brand-name boxes of cereal for a dollar. We don’t actually eat cereal, but we have house guests coming who do, so I wanted one box for them. My choice was to spend $2.50 for one box, or $1 for four. So, thanks to the joys of grocery store math, I decided to buy four boxes and…
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The Documents You Need: Titles, Deeds, and Receipts

Continuing with the series about the documents you need in an emergency, today I’m covering titles, deeds, high-value receipts, and loan documents. I’ll sum it up first in one line: keep them in the safe deposit box. If you want more info about obtaining copies of lost items or ensuring everything is secure, keep reading. Car Title, Boat Title, and other Title Documents Even if your car, boat, motorcycle,…
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Frugal Meals: Fish

To me, frugal meals should be healthy, delicious, and contain fresh, seasonal ingredients. If that means spending a little extra to eat well, I will do so, but I don’t go overboard. Because fish is so healthy, I try to make fish for dinner at least twice a week. We generally eat salmon, shrimp, and snapper, although I occasionally buy cod or halibut. Fish is so flavorful that…
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Do You Spend More in the Summer?

I always think that I’ll spend less in the summer, but somehow, it’s always more expensive than I expect it to be. You’d think I’d learn from that. So, in my attempt to do just that, I’ve come up with some theories about why summer spending patterns are higher than expected. Fresh Summer Food Grocery budgets for foodies and regular eaters alike go up in the summer. It’s…
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Plan Your Winter Vacation Now to Save Money

If you plan to take a winter vacation and haven’t already booked the trip, start planning the trip now. The longer you wait, the more it will cost, especially if you want to go skiing or visit a popular warm-weather destination like Hawaii or Cancun. Use these tips to get a jump on the planning. Choose Your Dates Now Winter vacations can occur anytime between Thanksgiving and April,…
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Financial Literacy Month Starts Today

Financial literacy month takes place in April of every year. First I’m going to share a little story about the power of financial literacy, then I’m going to share some resources to get you started on observing the month. The Concert of a Lifetime Monday, I went to the concert of a lifetime. Elton John and Billy Joel on the same stage. Our seats were about $215 each…
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The Carnival Is In Town

Once again, the carnival has pulled up to the local station. The Dividend Guy is this week’s head carnie. The Carnival of Personal Finance #137 features my post on the LIBOR and Fed Rates. For festival fans, visit the Festival of Frugality #110. It’s hosted by Mrs. Micah and features my post on life insurance.
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That Makes Me Stabby: We’re Rich

I’ve been on a slow burn for a few weeks over something my husband said. First, a little backstory. We helped found a small non-profit about ten years ago. For several years, we had to provide loans to the org to get it through some shortfalls. We’re actually still owed about $300. So, the other day my husband was speaking to one of the other board members about…
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13 Frugal Ways to Celebrate Spring Fever

It’s officially spring! According to legend, you should have been able to stand an egg on its end at the moment of the spring equinox. In case you missed the moment, here are 13 frugal ways to celebrate spring fever (one for each week of the season.) Buy fresh flowers:  This year, the first week of spring also includes Easter, which will kick spring fever into overdrive. Visit…
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