by Phil Romans With the most recent quarterly statements from Exxon, I am feeling raped. With almost every American heavily dependent on oil, Exxon’s 58% increase in profit in the last quarter seems obscene and Exxon isn’t alone. Oil companies across the board have been booming while the rest of the country suffers in the [...]
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Has the high price of food got you thinking about growing your own vegetables? Can’t wait to get started? You don’t have to wait! It’s not too late in many parts of the US. There are numerous different vegetable plants that can be grown in the cooler months. Check with your local extension agent to [...]
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What would happen to you and your family if you were no longer able to work? Most of us go through life thinking that this could never happen to us and if it did, surely our insurance would take care of us. This is the condensed version of a disability story. The names are ficticious [...]
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For the first time in months, I participated in the Personal Finance Carnival and was lucky enough to have my Personal Finance Game included. You can check out the carnival at Budgets Are Sexy. While you are there be sure to check out some of my personal favorites: There are some tips on how YOU [...]
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Gas prices have driven my fuel expenses up until they are the highest expense that I have. The recent drop in price has helped quite a bit but it is still my highest expense. I stumbled onto a way to cut my fuel bill in half yesterday and I jumped at it. I have been [...]
Managing your budget is not child’s play but making it a game might take the fear out of the word budget. The following is a game that I developed that can be played for a day, a week or a month. You earn points by making smart financial decisions. You can play it alone or [...]
Most people shudder when the weather gets cool enough to turn on the heat. High fuel and electric prices are making the winter months a challenge to almost every budget. I am happy to turn on the heat because it not only provides free heat but also free hot water. Our electric bill will plummet [...]
It seems that I learn things the hard way. I know better than all of these but I keep doing them anyway so here goes a quick list of things that it’s a really, really bad idea to do if you can’t pay your bills. Go Shopping! I know it makes you feel better to [...]
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Over the last several months, paying the business bills has been a grueling process. When the first of the month arrived, I was still struggling to get enough money together to pay them. One or the other of them has been days or even weeks late while I tried to get enough money gathered to [...]
The absolute first thing that came to mind when I read this in “The Richest Man in Babylon” was DUH! All of what I earn is mine. Ah, but as George Clason points out in the book, do you keep a part of all you earn? The answer for many of us is no. We [...]
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