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Personal Budget Review: 5 Steps to Peace of Mind

When your parents made you mow lawns all summer, they wanted you to learn that it is easier to save a dollar than to make a dollar.  Despite these collective lessons, we tend to focus on earning more rather than conducting a simple personal budget review. Before you volunteer for overtime, take a miserable job, … Continue reading Personal Budget Review: 5 Steps to Peace of Mind

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How to Enjoy Being Cheap

I wish that more people could learn how to enjoy being cheap. I have been listening to the Dave Ramsey Show quite a bit lately, and I agree with his financial advice in general.  If you are unfamiliar with Ramsey, he explains how "debt is dumb" and tells people that they should "live like no … Continue reading How to Enjoy Being Cheap

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Cheapest Car Ownership Strategy

We have a love/hate relationship with our cars.  They can mean freedom, opportunity, adventure, and even self-expression.  On the other hand, cars also mean debt, frustration, and anxiety. I have pretty much always needed car for my occupations and lifestyle.  I appreciate the practical, comfortable service of a well-engineered machine, but my affection for cars … Continue reading Cheapest Car Ownership Strategy