It was a little over a year ago that I first started Oh My Aching Debts. It has been a journey and a learning experience in many ways. Not only have I learned a lot about personal finance but I have also learned quite a bit about writing and maintaining a blog. As I look [...]
In talking to a friend about building an emergency fund, they commented that they didn’t need an emergency fund because they had a 401(k). Their feeling was that because they could borrow against their retirement fund, it would serve as an emergency fund. We got into quite a discussion about it because I used to [...]
Several weeks ago, I wrote an article on Winter Vegetables and collard greens were included. Collards are a new experience for me both in cooking and eating. Until I moved to this area, I had never tried collards and expected that I would not like them. Amazingly enough when I tried them, I LOVED them. [...]
Continue reading about What’s Cooking? Collards and Venison Kabobs
Yesterday marked the start of the 2008 Holiday season. Black Friday got off to a horrifying start with 3 deaths and at least 4 other injuries. I have never been one to shop on Black Friday but I am beginning to believe that we need to change the tradition. This is the second year in [...]
Continue reading about Beginnings: Holiday Season, Family and Combining Households
All of a sudden, I woke up and it’s Friday!! I have gotten a handle on where my money goes but where the heck did all that time go? It’s been a busy week. We have been struggling with fall colds, court and car repairs. I am normally pretty good at budgeting my time but [...]
In a telephone conversation with my mother this morning, she mentioned that their tenants were having difficulty paying their rent due to layoffs and reduced hours. She said that she and my father had discussed it and made the decision that they would not take their life savings out to pay the mortgages on the [...]
Continue reading about Feedback Wanted: Hard Decisions in Today’s Economy
Yesterday a reader commented on my post 10 Steps to Budgeting with Irregular Income and it reminded me of the most important step to begin a budget or spending plan. Denise from Plain Ol’ Food says We use the envelope system for both personal and business expenses and as cash comes in some is put [...]
If you look around the web, you will find plenty of advice on making a budget. It’s actually pretty simple to do. You write down your income and keep track of your spending. You analyze your spending habits and adjust accordingly. The process is simple, right? Ah, but if you are like me and you [...]
Continue reading about 10 Steps to Budgeting with Irregular Income
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 [...]
Continue reading about Exxons Profits: The Raping Of America
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 [...]
Continue reading about Winter Gardening: 30 Vegetables to Grow in the Winter
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