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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

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Trash Picking Laws

If you find treasure where others see trash, take a few minutes consider trash picking laws. Are you breaking the law when scavenging, dumpster diving, curb surfing, free-cycling, or trash picking?  Maybe.  It depends on where you are picking, what you are taking, and your methods. You are breaking no federal laws by trash picking garbage … Continue reading Trash Picking Laws

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Top 20 Free Things to Do in Philadelphia

Whether you live in Philadelphia or plan to visit, there is a lot to see and do.  You probably have some must-do-at-any-price activities on your Philadelphia list, but round-out your excursions with some of the top free things to do in Philadelphia. Many great free things to do in Philadelphia are seasonal (like free yoga … Continue reading Top 20 Free Things to Do in Philadelphia

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Money-saving Grocery List

This article is not about downloading apps, stacking coupons, timing sales, registering for rebates, or joining rewards programs.  There are tons of articles out there if you want to play these types of games.  I find such maneuvering tiresome and frustrating.  Furthermore, learning to include money-saving grocery items in your weekly shopping is a long-term … Continue reading Money-saving Grocery List