Top Five Ways Credit Cards Have Changed Christmas

December 21, 2011

Gifts given during the holiday season are supposed to represent a showing of appreciation, admiration and a show of gratitude. They were once a sign of how a person wished to give something back to someone whom gave them so much. When BankAmericard (now MasterCard) arrived in 1959 and Amex arrived a year later, all [...]

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How People Waste More Then They Save

December 19, 2011

This is a post about the appearance of being frugal when in reality you are wasting more resources than you save. When you attempt to save money by spending foolishly you are more along the line of miserly than frugal. Tightwads waste more then they save. I know a man who has three vehicles; two [...]

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Tightwad or Frugal

December 14, 2011

So I was brainstorming on what to write about when a neighbor gave me an idea without knowing it. Don’t you love when people do that? Anyhow, he has the attitude that if you have money you should just spend it since you can’t take it with you. Now I do understand that somewhat, but [...]

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When Saving Money and Necessity are Deemed “Ghetto”

December 6, 2011

This past weekend I had the unfortunate situation of being in desperate need of laundry getting done, but no money to do it. So how do you manage to save money while having none? You go old school and use your ingenuity. Saving Money and Necessity Through Thinking What I mean by this is you [...]

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Prime Example of Poor Money Habbits

November 23, 2011

Do you run out of money before the end of the month? And is it because of a low income or poor money habits? I know of a couple, with a four year old child. Their income is in the poverty level – around $1300 per month. They get food stamps, Medicaid and heating assistance. [...]

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Explaining Money Issues to a Preschooler

November 9, 2011

This is one of the harder things to do when you are broke or near broke. This is also not something you look forward to when you have no job or loose a chunk of your income. So how do you explain that there isn’t the money for toys and wants each week. You don’t [...]

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It’s Not To Early To Plan Your Spending For Holiday Expenses

October 18, 2011

I know, it’s not even Halloween yet. But I can feel the holidays breathing down my neck – and I’ll bet you can too if you think about it for only a moment or two. And the end-of-the year holidays often means the desire and/or need to spend more money than usual. The key to [...]

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Those New Debit Card Fees

October 4, 2011

Back in 2009 there were new rules put in place for credit card companies, some of which went into effect this year. Although many, including me, felt they weren’t strong enough – I personally think charging anything close to 30% interest is unconscionable - the law did bring some relief to consumers. That meant that the banks [...]

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My Debit Card Number Was Stolen

September 27, 2011

The phone rang at 8:30 in the morning, right while I was cooking breakfast. I looked at the caller ID and it was some 800 number I didn’t recognize. Almost an hour later I listened to the message to hear that my credit union was concerned about several charges and would I please call. Of course [...]

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Why I Changed Banks and Joined A Credit Union

September 22, 2011

For years I did my banking at the now defunct Washington Mutual. I loved the casual atmosphere when I went to my branch. Their website was easy to use and when I had a problem it was pretty easy to get it sorted out. When they were sold to JPMorgan Chase I felt sandbagged. I [...]

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