Pay It Down!: From Debt to Wealth on $10 a Day
Author: Chatzky, Jean
Publisher: Portfolio Trade
Year Published: 2006
Rating:
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The average American has a decent job but $8000 in debt and no savings to speak of. Money keeps them up at night and they wonder how they’ll be paying their bills at the end of the month. Pay It Down offers a simple plan to pay off your debt in three years with only $10 a day. Continue reading »
Do Credit Cards Engage In Deceptive Advertising?
An article from Reuters questions some of the Tricks of the credit card trade – namely, all those offers to give you a rate as low as 8.99%.
It’s the “as low as” that’s the kicker. Your actual rate could be much higher, but you won’t know until you provide them with specifics about your finances and your social security number. It’s only after you apply that you’ll learn your rate and who much you’ll be approved for. Continue reading »
Stamps.com vs Pitney Bowes
One of the biggest time wasters out there seems to be trekking to the post office to wait in line for a half hour (at least here in Philly). On top of that, the closest post office to me has some super grumpy people working for it. I often walk the extra 10 minutes to the other just to avoid having my mood soured. So when I got my Pitney Bowes mailing system a few years back, I was happy as can be. Continue reading »
Stats of 2005 Tax Refunds and Why Tax Refunds Cost You Money
According to Newsvine, the IRS is reporting that about 80% of taxpayers who filed their federal tax returns by mid-March claimed a refund. And the average refund is $2,380, up about 4% from last year’s average of $2,290 Continue reading »
Fidelity Gripes and SEP-IRA Woes (A Rant)
I made the decision a few weeks ago to sign up for an SEP-IRA through Fidelity. The account setup was a breeze (although a glitch in the system caused me to end up with two accounts). Next step – transferring money into the account. Continue reading »
To Buy A New Car… Or Not
I inherited my current car from my grandfather when he passed away. A 1990 Ford Tempo, it’s not the most stylish car, but it has a number of things going for it: Continue reading »
The Cost of A Lost Car Registration Sticker
I had to go down to AAA’s this morning because my registration for my car will expire this month. Now, I’ve already renewed the registration and paid my $35 but when the registration came in the mail, I somehow managed to lose the sticker in a bout of spring cleaning. You know – I put it in a safe place where I wouldn’t lose it and guess what… Continue reading »
How to Choose A Charity
I’ve found that running a small business inevitably means your name will find its way onto various telemarketing lists of local charities. Often, these non-profits will call you up, read you a script that appeals to your emotions, then ask for a small donation over the phone. Continue reading »
Credit Card Debt Reduction Strategies (Part 2)
From everything I’ve read, there are two general strategies for paying off debt.
- pay off the credit cards with the lowest balance first
- pay off the credit cards with the highest interest rate first
Credit Card Debt Reduction Strategies (Part 1)
As mentioned in a previous post, I’m drastically trying to eliminate my credit card debt. I’m about half way to my goal, and plan to have all credit cards paid off in about 6 months. Here are some tips I’ve been using: Continue reading »