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Month: December 2014

How My Wife Saved Us Over $50,000

How My Wife Saved Us Over $50,000

I am still on a family vacation, but I feel like I have neglected this blog and want to get back into some normal writing. Next week I will be back to posting a couple of times a week and I hope to post some year end updates of where we are financially and the like. Anyway, one of the great things about the holiday season is that you get to visit family. And of course most of them haven’t…

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Your Generosity

Your Generosity

As we all know it is the Christmas season and we all hear stories about people stressed about buying presents, traveling, dealing with in-laws, work, etc. You will also see stories about how to get through the holidays without spending a ton of money or living on a budget or whatever it is. And you can certainly find this theme on the personal finance blogs that I read. With all of the consumerist messaging about what presents to buy or…

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SANTA RALLY COMING? AND A VACATION

SANTA RALLY COMING? AND A VACATION

It is no secret that the past week has brought upon turmoil in the stock market. Driven largely by a drop in oil prices that should be a boon for consumers and the devaluing of the Russian ruble, the stock market has dropped about 5% in the last two weeks or so. But if yesterday is any indication it is that time of year for a SANTA RALLY! Santa rallies typically happen about a week or so out from Christmas…

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A Great Cookie Recipe That Is Quick, Easy, and CHEAP!

A Great Cookie Recipe That Is Quick, Easy, and CHEAP!

I fully admit that I know little to nothing about cooking. However, I do happen to be married to a fine culinary artist in Mrs. ROB. She is the one who actually taught me this recipe and I figured I would share it with all of you in case you wanted something delicious, inexpensive (since this is a personal finance blog), and not too strenuous for the holidays. Believe me if I can do this anybody can. And I am…

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My Disagreement with Dave Ramsey

My Disagreement with Dave Ramsey

Let me state at the outset I am a fan of Dave Ramsey.  He has helped hundreds of thousands of people stay out of debt and build wealth.  For those of you who don’t know who Dave Ramsey is he is a financial counselor with a nation-wide radio talk show.  He has the third largest radio talk show in the USA.  Dave takes calls from various places around the country about people who have questions regarding debt, real estate, investing,…

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Tell Me Where You Won’t Skimp

Tell Me Where You Won’t Skimp

I fully admit that I can be a frugal person. I am NOT cheap, but I can be frugal and I think that is a good thing, particularly when you are trying to save money for your future, pay off debt, etc. By frugal I don’t mean finding a great deal and just buying something because you have a great deal. I mean that you actually think about a purchase, buy it out of necessity and try to find the…

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Can Paying Off Debt Be Considered Personal Savings

Can Paying Off Debt Be Considered Personal Savings

So there are all kinds of rules of thumb for saving for retirement. Some experts say you should put in 10%, 15% or 20% so that you can have an adequate sum of money at your retirement age of 65. Then there are others who advocate for a savings rate of 50% or more. Now some of you who are reading this are thinking to yourself that is crazy how can anyone save 50% of their income and survive in…

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My December Challenge(s)

My December Challenge(s)

It is a Monday and I am going to make this a bit of a short post, but good news. I was able to accomplish my November goal of not having any soda for the entire month of November. I basically drank a lot of Arizona Tea (particularly the Arnold Palmer blend), water, and milk. While I can now technically have soda again I hope to cut back a lot more. The truth is I am a pop addict and…

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