Category: saving


How to Calculate Your Net Worth – How Much Are You Worth?

Wondering just how much you are actually worth? You aren’t alone – people put a lot of time and effort into figuring out their “net worth”. In basic terms, net worth is determined by adding up everything you own and subtracting the things you don’t own outright, giving you your total financial worth. I am not big on the idea of using net worth as a deciding factor in many decisions because I believe that quality of life is an important part of the equation that isn’t counted, but for this post we will ignore anything other than the numbers themselves. An upward trending net value is seen as a positive thing and a downward trending net worth is seen as a negative, but please don’t get too down on yourself if you feel as though you aren’t living up to the expectations of others. At minimum, this is just a good thing to do once in a while to at least get a general idea of where you are financially. Let’s take a look at what goes in to figuring out your net worth.


Your Money or Your Life – Are You Trading Your Work Life Balance For Money?

Are you trading your life for money? One of my favorite books on personal finance/lifestyle choices is Your Money or Your Life by Joe Dominguez and Vicki Robin, and it explores this very topic in easy-to-understand, clear and concise language. I have read it cover to cover several times over, and it remains a staple item on my bookshelf. In fact, it was part of my taking a risk in leaving a high-paying career in the entertainment field for self-employment and freedom from schedules and bosses. Working at a job I didn’t like was financially rewarding for quite some time, but eventually it became a black cloud draining the life out of my soul. I realized I was trading my life away for money, and I had had enough; I up and quit and have been on my own for years now. I was no longer trading my life for money and it was the best decision I have ever made.


How to Negotiate and Lower Your Phone, Cable & Internet Bill

Some of you may remember that in the past I have mentioned using Twitter as a way to get customer service issues taken care of. I have also used my Twitter account to get deals on cable and internet service from both Comcast and Charter, and I recommended at the time that if you use Twitter that you try that route as well. But with or without Twitter, in order to negotiate your phone, cable, or internet bill you need to be prepared with as much information as you can gather. With that in mind, I wanted to fill you in a few tips on how you can attempt to either get a great deal upon signup or in negotiating your existing service as it stands today.


How To Save Money on Cheap Batteries – Rechargeable Batteries & Charger Worth It?

Imagine a world without batteries for a minute. No remote controls, no cell phones, no laptop computers, no flashlights, no wireless mice. It would be quite a different world if batteries were not so commonplace! The problem with having batteries in everything, however, is that we have an almost constant need for new batteries, which can get costly over time. When it comes time to purchase and/or replace the batteries in your home, it can really pay off to be smart about what kind you buy, along with how and where you buy them.


What To Do With Old Cell Phones – Donate, Recycle, or Sell for Cash

I can think of 9 different cell phones that I have owned over the years. Granted, that may not seem like a lot to many of you who may get a new phone every 6 months or every year, but that’s how many phones I have bought/sold/traded in since 1996. Back in the 90’s and early 2000’s, there really wasn’t much of a market for used cell phones because the internet wasn’t as huge as it is today, so anyone who got rid of their phone usually just tossed it in the trash or recycled it if their community offered it. But today is a different story; there are cell phone recycling bins in almost every electronics store for phones which cannot be resold, and there are plenty of online avenues for making back some of your money on your purchase. This is especially true for smart phones like the iPhone, Blackberries and Android phones. These phones can have some incredibly high resale values, as was my experience selling my 1st generation iPhone. I sold it on eBay for more than I bought it for in the first place. Someone wanted an unlocked/out of contract iPhone to use either on ATT or T-Mobile, so they paid a pretty hefty amount for it – over $200. Considering I paid $199 for it in the first place, I would say I definitely got my money’s worth with that phone. I then rolled that money into my (then new) 3GS iPhone, saving me over $200 on that purchase. That was quite a score!

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