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By david on June 17, 2009  |  Comments 15

When Spending The Money Is Worth The Cost.

This past weekend I helped friends move into the new house that they bought. And when I say “helped friends move”, I mean I lifted a few things here and there, arranged some furniture, and did some babysitting. I didn’t actually do the moving part of the weekend - my friends had hired professional movers to do the really hard work. My buddy and I went and picked up the U-Haul truck on Thursday night, and then the two movers took everything out of the old house

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By david on April 13, 2009  |  Comments 21

How Do You Know When You Have Enough?

Do you have “enough”? Are you working extra hard to buy extra stuff that you don’t actually need? How many hours of your working day go towards unnecessary expenses? Could you work less hours if you required less stuff? Wanted less stuff? Had less stuff?

Popularity: 10% [?]

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By david on February 25, 2009  |  Comments 19

Is Your Life Fiction Or Non-Fiction?

Are your life choices and decisions based in reality or fiction? Do you feel entitled to a better standard of living than you can currently afford? Are you deep in debt because of it? These are questions I always ask myself when I see stories of people living in trailer parks but driving $40,000 cars, school bus drivers living in $800,000 homes, or single women having 14 children when they are on welfare.

Popularity: 9% [?]

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By david on January 08, 2009  |  Comments 13

Finding Contentment While Others Around You Want More.

You know how it goes - many people are out looking to make themselves happy by buying things. Do you really want to be one of them? Happiness comes in all forms; the most reliable version is the kind that you comes from yourself, not from a “thing”. But all too often (myself included, don’t get me wrong) we fall into the trap of thinking that if we buy something, we will be…happier, smarter, better-looking, etc. Too bad it will never last for any length of time!

Popularity: 10% [?]

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By david on January 05, 2009  |  Comments 27

If You Don’t Need It, It’s Not A Bargain At All.

I don’t know about you, but I am getting kind of tired of watching the news and seeing consumer segments encouraging us to shop just because there are some deals out there. Between the Christmas season starting in mid-November, Black Friday, Black Monday, Black Friday 2 and now these “pundits” still trying to get us to part with our hard-earned money, I am a little burnt out on the “buy this stuff because it is on sale” mantra. If you don’t need something, it doesn’t matter how much it costs - you don’t need to spend the money for it!

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By david on October 20, 2008  |  Comments 42

The Big List: 1,019 Different Ways To Save Money.

OK, times are tough - We all know it. Right now, you might be worrying about how to pay for groceries or the gasoline in your car, and we can use all the help you can get to stretch each and every dollar. Luckily, I have a few friends that have plenty of tips for saving money and I asked them to send them all to me so I could assemble a list for you - the person looking to save money. In these times, we all need to do everything we can to save money, even if it is only a little bit.

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Money Quote Friday - True Bliss Edition.

Materialism is the only form of distraction from true bliss.” -Doug Horton

If you are depending on your “stuff” to make you happy, you are setting yourself up for a life of misery. True happiness comes from who you are, not what you own. Have a great weekend, and enjoy the 4th tomorrow!

Popularity: 1% [?]

How To Fix A Mistake On Your Credit Report.

Whether someone alerts you to it or not, sometimes mistakes show up on your credit report. And while I have not had any major things come up, I have had credit lines (and even an old car loan!) show as still being open when in fact they had been closed a long while back. If you have been told or are curious to see if there are any mistakes on your report and want to work on fixing them, here are some steps you should take.

First off, you should have a copy of your credit report from each of the three big credit bureaus: Equifax, Experian, and Transunion. Keep in mind that you are entitled to one free credit report from each per year, and you can get that from www.annualcreditreport.com. This is the only legitimate place sponsored by the credit bureaus themselves where you can get a free credit report online, so do not be fooled by other services who offer you free credit reports in exchange for signing up for credit monitoring and the like. I get my 3 reports a year from that site - one every 4 months so I can see my report throughout the year. If you already got your free ones, you can pay for another copy from the agencies themselves.

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Creative Commons License photo credit: TheTruthAboutMortgage.com

Search carefully through all three reports for the mistake(s) that you think might exist. Be sure to check for open and closed lines of credit, credit cards you don’t have, bank loans that might not be yours, addresses that you never lived at - anything out of the norm that you don’t recognize could be a sign of an error.

When you find any mistake, file a dispute claim with each credit bureau online at their website. Explain to them what you think the issue is and provide any backup information that will help them verify your claims. The credit bureaus will then contact the bank/lender/credit card company and see what information they can get back from them either agree with your claim or deny it.

If the company denies your claims, you will have to take the issue up with them directly. So if the problem lies with Visa, you will have to deal with them to try to get some resolution. If the company agrees with your claims, then the credit bureaus will remove the error from your credit report.

It is always good to monitor your credit report all year, and that is why I pull one of my free ones every 4 months so I can keep track. If you have not already started doing that, go ahead and get a copy of one of them from www.annualcreditreport.com. and start monitoring your reports!

Popularity: 1% [?]

Find The 2009 Sales Tax Holiday For Your State.

It’s just about that time of year again, when most states in America offer up a few days to shop without paying sales tax. While some states are not having the days this year (Massachusetts & California being two states without “no sales tax” days), many states will have sales tax holiday shopping days for their residents. To help you out, I have assembled the following list of the dates, number of shopping days, the items included, and the website you can go to for more information. Enjoy!

Alabama

August 7-9, clothing - $100, computers - $750, school supplies - $50, books - $30, http://www.ador.state.al.us/salestax/SalesTaxHol.htm

Connecticut

August 16-22, clothing and footwear - $300, http://www.ct.gov/

District of Columbia

August 1-9 & Nov. 27 - Dec. 6, clothing - $100, school supplies - $100, http://otr.cfo.dc.gov/otr/

Georgia

July 30 - Aug. 2, school supplies - $20, clothing - $100, computer - $1,500

Georgia

October 1-4, energy and water efficient products - $1,500

Iowa

August 7-8, clothing - $100, http://www.iowaccess.org/tax/

Louisiana

August 7-8 , all TPP - $2,500, http://www.revenue.louisiana.gov/

Mississippi

July 31-August 1, clothing & footwear - $100

Missouri

August 7-9, clothing - $100, computers - $3,500, school supplies - $50, http://www.dor.mo.gov/tax/

New Mexico

August 7-9, clothing - $100, computers - $1,000, school supplies - $15, http://www.state.nm.us/tax/

North Carolina

August 7-9, clothing - $100, school supplies - $100, instructional material - $300, computers - $3,500, other comp. - $250, sports equip - $50, http://www.dornc.com/

North Carolina

November 6-8, energy star products, http://www.dornc.com/

Oklahoma

August 7-9, clothing - $100, http://www.tax.ok.gov/

South Carolina

August 7-9, clothing, school supplies, computers, other, http://www.sctax.org/

Tennessee

August 7-9, clothing - $100, school supplies - $100, computers - $1,500, http://tn.gov/revenue/

Texas

August 21-23, clothing and backpacks - $100, http://www.window.state.tx.us/

Virginia

August 7-9, clothing - $100, school supplies - $20, http://www.tax.virginia.gov/

Virginia

October 9-12, energy star products - $2,500, http://www.tax.virginia.gov/

West Virginia

September 1 - November 30, energy star products - $5,000

Popularity: 2% [?]