Our Spending Habits and Priorities Are Totally Screwed Up

A while back, I had an unplanned conversation with an old friend about the expense of sending kids to school. Not having children myself, I don’t have first-hand experience with the costs involved, but I am smart enough to know that it costs a lot to raise a child. In fact, that’s the number one thing I hear my friends talk about – just how much money it costs! But my conversation with my friend was about the cost of school supplies they needed to purchase per the teacher’s request, because the public school district couldn’t afford to supply the items the classroom needed. We weren’t talking a lot of money here; rather, we were probably talking about maybe $40-$50 in supplies, or just enough to have enough on hand for their kid and to help cover the costs for those who truly couldn’t afford to spend the money. My friends have enough money to spend $50 on school supplies, especially considering that their kids go to free (taxpayer supported) public school. And yet, here I was listening to them complain about having to buy supplies with statements like:

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Beware of IRS Scam Emails for Tax Payments

The Internal Revenue Service will never contact you via email. Period. However, a very good scam artist will certainly try, and a good way for them to do so is to pretend to be the IRS in order to gain access to your banking information. In the past month, I have gotten three emails purporting to be from the IRS regarding a Federal tax payment having failed or been rejected. They look totally legit, if you don’t look carefully and not at the “Reply-To” address in the header, and I can see how many people would instantly click on the link in the email in order to rectify this failed payment. After all, no one wants to get in trouble with the IRS! This is what the latest email I received looked like:

Book Giveaway – Be Thrifty: How To Live Better With Less

A few months ago, I received a copy of the book Be Thrifty: How to Live Better with Less by Pia Catton and Califia Suntree to review. Because of the move and my own disorganization, I am just got around to reading through it. It’s so easy to lose things when you pack up your entire life! At first glance, I thought this was going to be yet another book about not buying a daily latte at Starbucks or washing your clothes only in cold water, but after digging a little deeper I found that it is actually a lot more than that. At 367 pages, it is a solid book packed with tips for being thrifty in your house, at the grocery store, with your family, on your body, and in your wallet. By concentrating on good old fashioned know-how, rather than just about how to be a cheap bastard, the book provides solid advice on how to make do with what you have, how to entertain yourself for little cost, how to fix broken items in your house, and how to shop wisely and avoid waste. There is a huge difference between being cheap and being frugal, as I have discussed before, and this book totally falls on the frugal/being smart side of things. In fact, right up front in the introduction, the authors ask a few questions I think that everyone should ask themselves before they buy any single product:

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How to Get Government Rebates Just For Buying Energy Efficient Appliances

As most of you know, since I have beat it to death as of late, I just moved back to California. I was away for 2 years, and it feels really good to be back in a place that feels way more like home than New Mexico or Colorado. I rented myself a great little house, but there are a few things missing that are kind of necessary – a refrigerator and a washing machine. The dryer I can do without, as A. I live in Los Angeles and it’s always warm and B. I have a private backyard where no one will complain about a clothesline, but the washing machine is a necessity. I refuse to go back to spending the entire day at the laundromat! So during this first week I have lived in the house I have been out shopping for these 2 major appliances, and along with some great sale prices (and free delivery!) I was also told about energy efficiency rebates that both Los Angeles County and my city has available. The city provides a downloadable PDF you can take with you of qualifying appliances and the dollar amount of the rebates you can get for each, and right now it looks like I will be getting the following amounts back from the county and the city for my washing machine purchase:

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How To Save Money Using Twitter

Most of you probably know about Twitter already, but in case you don’t, it’s basically “a social networking and microblogging service which enables its users to send and read other users’ messages called tweets.” (Wiki) Sounds kinda useless when put like that, but the truth is that it is kind of addicting, with some people staying on and using it all day long.

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