6 things you can buy that will pay for themselves in a year

04.15.2009

I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome! ;)

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Dave Ramsey on saving money for college

03.21.2009

Saving money for college vs. retirement …I will say that I completely agree with Dave about this. His stance has always been to save first for retirement and if you have that covered then work on saving for the kids’ college. The simple point is that (worst case) you can take loans for college expenses at reasonable interest rates. While Visa and Mastercard are the only ones offering “Retirement Loans” at 25%. Thinking about it in those terms makes it pretty easy to decide.

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Money Mistake #1 – Paying too much for a car

03.17.2009

It is obvious that overpaying for something isn’t a good idea, but with cars it is especially a bad idea. The reason is that cars are depreciating assets, so if you take a loan out for your purchase, you immediately enter into a race to pay the car loan down faster than the value drops. In my case with the convertible, I did a lot of things that ensured I was going to lose this race…

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The 23 best freeware programs for windows

03.16.2009

These are 23 of the best freeware software programs for Windows that I found…

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Top 10 money-wasters

03.15.2009

Everyone has things they waste money on, these are the top 10 money wasters from Kiplingers…

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6 steps to reducing your credit card interest rates

03.05.2009

It is so critically important to reduce your credit card interest rates, if you don’t it will take a whole lot longer to get out of debt. Not to mention that it will cost you hundreds or thousands more in interest charges as well!

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$8000 First-Time Homebuyer Tax Credit explained

02.24.2009

These are all the details of Obama’s $8000 tax credit for first-time home buyers in 2009.

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Tax deductions for volunteer work

02.23.2009

But anyway, I just wanted to mention as a friendly reminder, you can deduct the mileage you drive to for volunteer work. From what I read, volunteers can also deduct… cost of tolls, parking fees, cab fares, bus fares if they were related to the charitable service.

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Should you buy a used car or new car?

02.17.2009

It is one of those things that I think most people realize buying a used car is a better idea for their finances, but don’t understand the scope of it. Dave Ramsey’s critics often belittle his math on his “drive for free” method, but even if the numbers are a little generous, the same principle still applies – owning a depreciating asset is a bad move, but paying interest on a depreciating asset is a really bad move! Since I started this site I have written a bit about how you can save money by buying used cars and how they affect your financial freedom .

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Free STATE Income tax filing online

02.05.2009

It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. I did a little digging and found a few options to consider. But, let’s first start with getting a free federal return…

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How to become poor

01.26.2009

These are some simple ways to become poor… 1. Spend more than you make – Actually if you only do #1, you won’t have to worry about the other 9. This is the easiest way for anyone to become poor. It doesn’t matter if you make millions or hundreds each month, the same principle applies.

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How to save money with coupons

01.18.2009

FreeStyle Glucose Monitor $9.99 Monogram Napkins Christmas Clearance $0.75 Fructis Hairspray $2.99 Special Buy 1 get $2 in Extra Care Bucks NasoGel $7.99 Special buy 1 get $7.99 in Extra Care Bucks Gift Boxes Christmas Clearance $1.25 Coupons: Fructis $1 off NasoGel $2 off found on product website FreeStyle Glucose Monitor $9.99 off Extra Care Bucks from 1st transaction $9.98 I paid OOP (out of pocket) NOTHING!

… Colgate Toothpaste $2.50 Special buy 2 get $2 in Extra Care Bucks Colgate Toothpaste $2.50 One Touch Glucose Monitor $29.99 SlimFast $6.49 Special buy 1 get $2 in Extra Care Bucks NasoGel $7.99 Special buy 1 get $7.99 in Extra Care Bucks Coupons: Colgate $1.50 off found in All You magazine Colgate $1.50 off found in All You magazine One Touch Glucose Monitor $29.99 off SlimFast $1.25 off NasoGel $2 off found on product website Extra Care Bucks from transaction #2 $9.99 I paid OOP: $3.24 Received $11.99 in Extra Care Bucks The first 3 transactions where at all one store I just nicely asked the cashier if he minded if I do 3 transactions, I’ve never had them refuse me. Transaction #4 the 1st store was out of Palmolive so I had to finish at another CVS One Touch Glucose Monitor $29.99 5 Packages of Tissue paper Christmas Clearance $4.95 6 Palmolive $5.82 Freedom Lite Glucose Monitor $9.99 Kid Throat Coolers $9.98 Special buy 1 get $4.99 in Extra Care Bucks Coupons: One Touch Glucose Monitor $29.99 off Palmolive buy 2 get $1 off Palmolive buy 2 get $1 off Palmolive buy 2 get $1 off Freedom Lite Glucose Monitor $9.99 off Kid Throat Coolers buy 1 get 1 free found on product website Extra Care Bucks from 3rd transaction $11.99 I paid OOP: $0.77 Received $9.98 in Extra Care Bucks Transaction Summary So for everything I only paid OOP $5.50 !

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Free and Legal TV and Movies online

01.14.2009

I was going to name it something like “where to find free TV and Movies online,” but changed it to make sure I added “legal” in there. It turns out that a whole lot of what I was finding wasn’t legal. I saw a link on one site to “Marley and Me” and I thought to myself, “isn’t that still in the theaters?” Sure enough I was right, as the video started, I noticed that I could actually see the theater seats in the recording. I guess someone recorded it directly from the theater – I am going to assume that isn’t legal. :)

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Free Franklin Planner templates

01.04.2009

If you are like me and a little bit taken back by the high price of replacing the pages in your Franklin planner, I just found a great alternative. It does require a little bit of an upfront investment and some elbow grease, but it should pay for itself very quickly. ..What you need to create your own planner pages… Paper – probably a thin stock, to keep your planner from becoming too bulky…

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