In the last year or so, I’ve become a fan of Dave Ramsey and his 7 baby steps. We’ve started the debt snowball, but I can’t seem to agree to putting $1000 in an emergency fund while I could be using it to pay down debt that is actively accruing interest a higher interest rate. [...]

Posted in Credit Cards, Dave Ramsey 3 Comments »

As I’ve mentioned in previous posts, I just completed a home improvement project that resulted in a pretty significant balance on my Home Equity Line of Credit. One of the expenditures that I didn’t put on my HELOC was for a brand new garage door and the installation labor to do it. For this, I [...]

Posted in Credit Cards, Home Improvement 4 Comments »

In spite of my efforts to stop making dumb financial mistakes, I occasionally pull off a big one, like I did last week. This is a classic case of failure to communicate with your spouse. Or more accurately, failure to remember the communication. I am generally the one that manages the finances, and am responsible [...]

Posted in Life, Stupid Tax Tuesday 1 Comment »

When I knew I want to start a personal finance blog, everything I read said I needed to get a .com. Among others articles such as Free Money Finance’s blog said I needed one. Well, easier said than done. I suppose there are good .com’s available if you’re creative, but I’m not so much. Why [...]

Posted in Blogging, Internet No Comments »

Consumer Reports magazine recently had an article on 10 ways to reduce your energy costs around your home and it reminded me of my recent upgrade to my central heat and air conditioning system. Since I’m kind of a cheapskate, and I like to do home improvement projects, I figured I’d combine the two facets [...]

Posted in Frugal Friday, Home Improvement, Internet No Comments »