How To Get Your Monthly Electric Bill Below $25.

OK, so this might not be possible for everyone, especially those with large families. But for the past 3 months, our electric bill has not been over $25 a month – and it took some steps to get it to that point. It was averaging about $45-$50 a month up until that point. So I figured that if we could do it, you might be able reduce your bill by just as drastic an amount too. Here are some of the things that we did around the house to cut our electric bill in half:


Credit Card Research: IberiaBank Gold Cash Back Rewards Card.

Since I get emails all the time asking about different credit cards and if people should be signing up for this, that, or the other one, this will be a new feature every week about different credit cards. This week’s card is the IberiaBank Visa Gold Cash Back Rewards Card, which enables cardholders to earn a 1% cash rebate per dollar spent on all purchases. There is no limit to the amount of rebates cardholders may earn and rebates do not expire for the life of the account. There is also a 0% introductory rate on balance transfers submitted during the first three months. (If you are reading this by RSS, you might have to click through to see all the details)


Money Quote Friday – Thought Of As Poor Edition.

Thousands upon thousands are yearly brought into a state of real poverty by their great anxiety not to be thought of as poor.“”‚ÄĚRobert Mallett

Isn’t that the truth? Have a great weekend everyone.


What Is Your Debt Philosophy?

While I am not a fan of carrying consumer credit card debt (yes, there are some people who don’t mind), there are three kinds of debt I don’t necessarily have a problem with. Going into debt to pay for a home, for an education, and even for a needed car are the only three times I feel it is OK to go into debt. Most people don’t have the income or savings to pay cash for their home, so they take out a mortgage for 30 years. Some people might want to get a better job, and might need to borrow the money to go back to school. And some people don’t feel comfortable shelling out $20,000+ in cash for a new car, so they might have to find a way to borrow some at a low rate. The only debt we have right now is our one car payment; our other car, my Jeep, was paid for in cash because it was a lot cheaper. The car debt is for another 4 years at 3.9%, so it’s not all that bad to take. While I use credit cards to pay for almost everything each month, I pay the balance off when it is due. This helps me get rewards points or miles, and keeps my credit history moving and current. However, some people have a different debt philosophy than me…


If You Could Pick Your Benefits At Work, What Would You Pick?

Although in this economy, you might not have a choice – and you might be lucky to get a lollipop on your way back to your cubicle. But if you could pick, and/or if you are in the position as a business owner, than hopefully this post will garner a little bit of a discussion about benefits at work. I have worked for companies that provided 100% of my health care, free gym memberships and dry cleaning, unlimited days off (as long as it wasn’t abused), etc. – and I have worked for companies that didn’t provide anything at all other than a paycheck. And now I am self-employed so I have to create whatever perks I want, which is the way I would want it over anything a corporate gig could offer me. But since most people do in-fact work corporate jobs, let’s first take a look at a company well known for their incredible work/life perks: Google.