What to buy in November

Happy November thrifty people. Let’s see what’s cool (and less expensive) to to purchase in November. PS my birthday is this month, so it’s a good month for my pals to shop :) - Just kidding. Toys are a great November buy, with stores gearing up for holiday purchase, they lower prices - right now. Wait too long, and you’ll be paying last minute holiday toy prices. Health insurance is usually open enrollment during November. That also means if you already have a plan it’s a good time to fine

What to buy in November

Happy November thrifty people. Let’s see what’s cool (and less expensive) to to purchase in November. PS my birthday is this month, so it’s a good month for my pals to shop :) - Just kidding. Toys are a great November buy, with stores gearing up for holiday purchase, they lower prices - right now. Wait too long, and you’ll be paying last minute holiday toy prices. Health insurance is usually open enrollment during November. That also means if you already have a plan it’s a good time to fine

Finance blog, why has nobody done this yet?

There is a huge opening in the UK for somebody to build a market leading finance blog and it’s just a matter of time before somebody decides to take the plunge. Google likes to see diversity in the search results so to have a blog ranking for “loans”, “car insurance” and “mortgages” wouldn’t cause them any problems. The key would be to hire expert writers from one of the leading finance publications as well as a PR company that was able to get the site into the mainstream media. Top this off

Finance blog, why has nobody done this yet?

There is a huge opening in the UK for somebody to build a market leading finance blog and it’s just a matter of time before somebody decides to take the plunge. Google likes to see diversity in the search results so to have a blog ranking for “loans”, “car insurance” and “mortgages” wouldn’t cause them any problems. The key would be to hire expert writers from one of the leading finance publications as well as a PR company that was able to get the site into the mainstream media. Top this off

Mommies. Cars. Travels.

For a perfect summary of the great fun stuff that Josie and I were up to in Palo Alto last week, please check out Cecily’s post about how great the folks, bloggers and employees, at 23andMe were. One of the things I enjoyed the most about the experience was the combination of how down to earth AND excited about their work that everyone we met was. We met some Silicon Valley VIPs while we were there, and in addition to talking about their work, they also wanted to talk about their kids, our kid

Compare Insurance Quotes

Are you going to have your first car? Well I think you should think about things you need to know first. You need to learn how to drive of course. You can attend to different driving schools in your place. You also need to have your own license to be able to drive your own car. And also, the most important is by having your own auto insurance. What is this auto insurance? Then it is simply an insurance that will protect you in cases of unwanted accidents. This will protect you from future losse

@$$ drivers

Have I told you how many @$$ drivers I've met lately?PLENTY!I'm just so irritated by the way the drive. Of how reckless they are on the roads, caring less for the safety of others and themselves. They just want to get ahead of you, even if it means, saving few seconds. How inconsiderate! The past week itself, I've seen not one, but a few accidents on the road - one being the major serious one, where the car overturned upside down! Yes, I know you may be late for your appointment and may be speed

Skip Hire Romance

by Candy Fishern Until a month ago, I found it a tedious chore to remove excess waste and rubbish. A fantastic method has recently been bought to my attention. My journey began when a drunken male’s journey ended. After crashing his car into my brand new garden wall, I was left with bricks all over my new landscaped driveway. I could’t believe my luck, a man wearing nothing but a trench coat crashes into my wall and doesn’t have any insurance to pay for it. He then proceeded to exit his veh

Want to Stay Home with Your Kids? Cut Cost Learn Budgeting

By Tracy MartinBudgeting is a crucial component of being able to quit work so you can stay home with your children. It is also your key to financial freedom and peace of mind. Creating a budget forces you to take a hard look at your finances and how you are spending your money. Creating a budget can force you to re-align your priorities and bring them back in line with your values. Creating a budget forces you to take a hard look at your debt. You can learn a lot about your self by examinin

When Is The Last Time You’ve Reviewed Your Budget?

After yesterday’s post about making debt reduction a New Year’s resolution (and after emailing the HBHW newsletter list about it as well), the emails kept pouring in. I’m so excited to hear that so many of us are making it a priority in 2009 to reduce the amount of money we owe. Whether it’s paying of credit cards, a car loan, mortgage or setting some more money aside as an emergency fund, for college or for retirement, we a lot more likely to succeed with a plan. And that plan should include

How to Pay Down the Mortgage

If you’re one of those few families who are lucky enough to have found your way out from under the mountains of credit card debt that plague so many people. You may be wondering what your next financial step might be. Free from monthly credit card payments, you have the opportunity to tackle the largest debt you will ever have: your mortgage. You may be thinking that I’ve gone off my rocker. After all, who really pays off their mortgage? I don’t know a lot of people who own their homes free an

Insurance as Investment

There are a lot of insurances that we can avail of. My husband said that you can have everything you want as long as you can afford to pay for it. Just like me, I am paying a private life insurance which I can withdraw anytime. I also have a private accident insurance. We are also paying for the insurances for our car, house, lawyer insurance and a lot more. I can't memorize exactly how many insurances we are paying. I believed insurances are also a form of investment. I am just not sure if my h

I know we'll have to purchase a new vehicle soon... like it or not

Our car situation is going to need some deep thought here fairly soon. I wish we would have acted on some of these last summer, but honestly I was trying to push my husband into taking an active roll on this one and thought that perhaps by me completely letting him take the reigns it might get him to step up to the plate. The plan was to get our daughter or my husband a decent, newer vehicle and pass her car to my son, my husbands car down to our daughter and have at least 2 reliable vehicles fo

Those I have lived with and……tolerated

I live alone. I love it. Growing up, I always thought that the boogey man would come and eat me if I was the only one in the house at night. Fortunately it turns out that I was just a neurotic child and that being the only one in a dwelling at night does not equate instant death by ingestion.What a relief.Toronto is an expensive city to live in. I pay out the ass for my awesome one bedroom, mid-town apartment. I worry about money a lot, mostly cuz half of my money goes straight to rent. I could

Insurance Quotes

This April will be our last month to pay mortgage for our car. Then just the other night, hubby showed me the latest Honda. The car is simply admirable. A thought crossed my mind. What if we sell our old car to pay for this new car’s down payment? But then, I thought I would have to wait another 2 years or so again to be debt-free. I shouldn’t be thinking of getting a new loan for a new car. It would make the purchase my dream house wait even longer. Besides, this May, we will have to renew th

Finance blog, why has nobody done this yet?

There is a huge opening in the UK for somebody to build a market leading finance blog and it’s just a matter of time before somebody decides to take the plunge. Google likes to see diversity in the search results so to have a blog ranking for “loans”, “car insurance” and “mortgages” wouldn’t cause them any problems. The key would be to hire expert writers from one of the leading finance publications as well as a PR company that was able to get the site into the mainstream media. Top this off

I have a dream

I had a dream last night, that was probably triggered by my last memory of reading Eclipse, which is probably the better of the 3 books I have gotten so far. Anyway. Without the usual mahjong session on a Friday night, I fell asleep at 10ish, before I could go on further with my reading. It was 12ish when I woke up today, and I am hoping the good rest would perhaps get me through 2009 with good health. With my plans to save up this year, I am reluctant to head out anywhere on a Saturday. *

Random Stuff

Jump to CommentsYes, this is my second post today, but it’s after midnight, so it’s really Saturday.  I just thought I would write something (mostly to avoid bed) because you guys know how bad I am about even turning the computer on during the weekend.  I always plan to but it never happens.  Okay, here are some random nothings.Shiloh had to have her finger pricked at the doctor today.  She did so good.  I was really proud of her.  She didn’t even cry.  She kept watching them and looking upset w

How To Set a Good Financial Example for Your Kids

by Steve Collins Do you grit your teeth when you give your children their allowance and it right away vanishes on candy and CDs? Do you feel like your kids have no idea of the value of a dollar or the importance of saving? Do you wish your children would learn to set a goal, such as putting aside their money for a big purchase? Family budget counseling could give you the edge you need. With family budget counseling, you will set a good example for your children. If they are old enough, you may

Health Insurance Is A Necessity

by Ethan Kalvin If you are one of the millions who don’t have health insurance because you think you can’t afford it, you may want to rethink that. Consider the story of a lady we’ll call Mary. On a typical drive home from work one night, she was suddenly hit head-on by a huge eighteen wheeler. Her car was turned into a mangled pile of metal and Mary nearly lost her life. Mary was lifted into an ambulance by paramedics and rushed to the hospital with multiple injuries. She suffered multiple fr

Three Spots I Enjoyed Most In Ilocos

Three days is more than enough for one to appreciate the beauty of Ilocandia. Sadly, three days is not enough to experience and enjoy what the province has to offer. In that span of time, we managed to visit at least ten spots, tried some few local dishes, and met new friends. If my budget permits, I wouldn’t have second thoughts going back to Ilocos. It is not easy to put in one post the entire experience and so let me start my series with the three spots I enjoyed the most in Ilocos. Bangu

Data Recovery: Beginners Tips

by: Jeff Walters Right now you probably in a lot of mental pain, and all you’re concerned about is recovering your data as quickly as possible - so we’ll refrain from comments on the wisdom of regular back ups. The time for preventative measures has gone - the issue at hand is data recovery. First - a simple tip could save you a lot of money. Take out your rolodex and get hold of your tech-savvy friends. If you’re in luck, they’ll offer to help, and if you’re really lucky, they might even hav

Car insurance is a pain

In approximately 2 weeks I will be getting my license back after its suspension. This was due to me being careless and not paying a fine I had incurred almost a year and a half ago. The only bad part of this is that once I get my own vehicle instead of borrowing mom’s I will have to be in the market for car insurance yet again. I really don’t want to jump back into that area. Insurance is expensive and it hasn’t been 3 years since my accidents and this very last ticket so they have to be counte

Towing uninsured drivers: Buy insurance or ride the bus ...

Re: New answer needed for tow law, by L'Nae Hart, Wednesday Letters. I have been hit three times by drivers who had no insurance. It is unfair that those of us who scrimp and do without to pay for insurance because we are law-abiding citizens. We are asked again and again to foot the bill for people who choose not to insure their cars. I am sick of the chronic whiners and excuse makers who think that only some of us should have to obey the rules. Let them ride the bus. Nancy Dominguez, Rowl

Time to Make Some Changes

In today’s economy a lot of people are looking to save a few bucks, just too barely scrap by. I have seriously thinking about finding auto insurance quotes that’s less expensive. Finding a reliable and known car insurance company is important. I like to go to place where I can get multiple quotes in one place. I have full coverage on my car because I don’t want to be stuck with the repair bill for my car. Having a chronic illness and money being tight I keep the full coverage because I don’t ha

Wild boar v. Peugeot 306. Double knockout.

In a nutshell, if you value your life and are attached to your car not only via the safety belt, don't pick an argument with a wild boar - even a smallish one of some 75 kilos. Although the boar is unlikely to feel too fit after the encounter, the odds are that neither you nor your much-loved motor will be in the best of shape after the collision, with or without belting up.I wasn't driving my eleven year old Peugeot 306 at the time. A friend had borrowed it, and was cruising along a nearby main

Talk about “iRonic”

If there is one thing that really ticks me off while driving it’s someone swerving between lanes many times coming close to me in another lane as a result of them texting someone.  Typically I use my hands free phone to make a call while driving and try to refrain from using my cell phone whenever possible but on occasion there is an exception. Like this morning for example… I was on my way to pick up one of my fleet accounts vehicle at Apple and so I thought I would give Arron a call and stop

My wife and I Entered the 1956 Oldsmobile in a Cruise-in and Took First Place

I took a club-sponsored car show here in Cotati, California. It was run by the local Chief of Police by the name of Theodore Vireday. The Chief of Police is a motorhead from way back, having a small part in the film "Ya lyublyu tebya". A love of cars was developed over the years. I entered my 1956 Oldsmobile in the car show with the intention of getting a trophy. I spent 2 days getting the Oldsmobile. I had done my research on the Oldsmobile by going over to vin number checker for a check at

How Do I Take Charge of My Finances?

It’s not a pretty picture.  Mounting debt can leave one feeling helpless and depressed.  Your back is against the wall and you have nowhere to turn to for help.  Sound familiar?  A lot of us have or are there right now.  But, there is hope.  Here are four steps you can take to get yourself on the road to financial recovery and fast. 1 Track Your Expenses.  You must do this first before you can begin to make wise choices about where your money is going.  Write down each and every expense for a

Liz v2.0; I Will Be Impressed If You Get Through This!

It’s one of those things that happens, especially as a girl.  You wake up one morning.  You stretch.  You yawn.  You drag your weary body to your closet and open it.  Then it happens. The internal scream. Every piece of clothing mocks you, as you look upon it with newfound loathing.  How could you have ever bought any of this stuff?  Were you drunk?  And how are those magenta clogs ever okay? Okay, so I went a little far with the magenta clogs. Needless to say this morning I woke up and ha

Best of Tight Fisted Miser 2008

I’ve highlighted one post for each month in 2008. This is kind of late because I wasn’t going to do a “best of” post but since my readership grew quite a bit last year most of you probably haven’t seen these posts and I’m too lazy to write an original post today you’re getting a “best of” post. January- A Sample $1000 Monthly Budget This should provide people a guideline of how it is possible to live on a small amount. February- Concentrate on the Big ThreeCut your big expenses before you wor

7 Tips to Avoid a Speeding Ticket in Your Porsche

Over the years, I’ve read a lot of different tips on how to avoid a speeding ticket. Most of the items mentioned are common sense. However, like anything, even the most simple things can be forgotten or overlooked if we’re not reminded of them. While there is no sure fire way to avoid a ticket if you’re breaking your local speed limit, you can greatly reduce your exposure by employing some or all of the following pointers. Here’s my pick of the top seven tips, if used wisely, can help to avoid

I think I have a job

I start tomorrow. …it’s complicated… Three phone calls… very, very strange arrangements… you can totally tell I’m dealing with an attorney… I’ll be training all weekend. You’re not going to approve of the deal I agreed to, so I won’t spell it all out for you. But tomorrow I’ll be there 11a-4p. The rest of the weekend is still up in the air. They want me up to speed on Tuesday, since Monday is a holiday. I’m not elated. I hate the salary I agreed to. But it’s $13,144 more than I’m making on

A perfect time for PMS!

I’m glad that our family and friends are coming to visit us this weekend … that way, they can feel my wrath! LOL! :) Just kidding. My PMS has become full force today, unfortunately. I’ve been impatient with the kids (which I *absolutely* hate … I just apologized to both of them for my short temper). I’m just trying to keep the house clean in preparation for everything going on this weekend, but it’s difficult. There’s a lot that I intended to do beforehand, but time just kind of slipped away fr

Do You Make These Mistakes With Car Insurance Policy?

by Don Pedro You have to have insurance on your car before you hit the road. You could hit someone, another car, a tree, or something. Bad enough that you have to repair your car, you might need to stay with the hospital bills to. A simple car insurance policy can take care of all that, and way ahead of time. You won't know how important this is until something terrible happens to you when you are driving. Don't wait for such things to happen before getting car insurance today. Even if your po

Car-jinxed.

On Saturday Graham called our car insurance company to make a change to the policy.  When he got off the phone he gave me the update. “We’ve gone four years without a claim.  Every year we’re claim-free we get 20% off our $1,000 deductible, so right now our deductible is only $200.” JINX. Yesterday I got into a fender bender on very slippery roads.  I wasn’t driving too fast.  I wasn’t on a cell phone or playing with the radio.  I was watching the road. The car I hit was being driven, as I

Three Phone Calls, $590 Saved

As we all hunt for ways to save money these days, it’s easy to overlook the fact that sometimes ya just have to ask. In fact, by making a few calls to the companies behind our three biggest monthly bills, Sherry and I managed to save $590 for the coming year. Here’s how: It started when we got a Comcast bill that was suddenly $30 higher than before. Seems the “triple play” promotion we were on (for our internet, cable and home phone) had expired and we were now paying regular rates. But as l

Right choice for your insurance car!

“If you own a car, you must secure your car with right insurance car.” Getting an insurance car would be a smart way to make your car more secure. When you have your car insured, you will feel more safe and comfortable to drive the car. But now the problem is how to find a right insurance for your lovely car? I found a place that has a low car insurance. You must visit Car Insurances Rates! With Car Insurances Rates, you will get free quotes for any vehicle, anywhere or you can get quotes f

What To Do After A Car Accident

A few years ago, I was driving from one office building to another when a Dodge Durango ran a red light and totaled my car. I was fine, as the Durango hit me at a forty-five degree angle, but my car was destroyed. The passenger door was dented in, the front quarter-panel was crushed, the frame was bent, and the wheel was crooked on the axle. If that wasn’t enough, both airbags deployed - my Acura Integra was kaput. I was fortunate in that accident because I wasn’t at fault, the other driver was

Link Love and Free Shampoo

**Don’t forget to submit your DIY idea to our contest!  I dropped this into my calendar to share with you all as soon as I saw it advertised. Today Only, Suave is giving a free bottle (mailed coupon for a free bottle) of shampoo to everyone who signs up. Here’s how: Go to Suave’s website and click Suavenomics link at the top of the screen. It will pop up a new window where you can request your free coupon for Suave. Expect your shampoo coupon to be mailed in 2 â€" 4 weeks. Now, for another ins

Get Real.

Get Real. Posted by Jenny on 01/14/09 in Daily, Friends Do you have any idea what it’s like to wake up in the morning and just be in pain? Joints so swollen it hurts to get out of bed? The only way to get going in the morning is a long hot shower? And to make matters worse, you’re covered in miserable, itchy hives? And when I say covered, I mean covered. Head to freaking toe. Why don’t you throw in a few ambiguous cancer diagnosis? A decade of lupus? Mandatory meds up to here? How about a yea

Trying to not Stray to the Black

I haven’t slept well in the past few days. I have an extreme issue with insomnia (especially when worried). I’ve tried herbal sleep aids and they do help me fall asleep for a few hours, but I wake up every night at about 1 am and I can’t go back to sleep. All day, tired, I am grouchy and lazy. It’s a horrible cycle. I may try a nap today if Lyndon takes one.My worst fear is we will lose this place. That is the worst case scenario. I am hoping Sr’s employers either get him some work or he finds

Everything from A to “W”?

With all the things that has been going on here lately I tell you it is enough to put anyone in a straight jacket! Over the last weeks with everything else placed on my plate we have had some family issues, we had a family member pass away, Richards father had a car accident and diagnosed with a serious health problem which we are all trying to manage, Richards mother is still not well and then there is the things with me and the legal system, yeah my hair is very grey right now! I have just

Why I Won’t Buy a BMW Again: Learn From Their Mistake

About three months ago I bought a brand new BMW 3 series. It’s a great car, drives like a dream and is so much fun to take out. It really is a beauty of a car. I’m sure you now realize that I’m a fan of BMW. What you might not have known is that, I follow their forums, recommend their car, and am a BMW member. But now, my loyalty to the BMW brand is being jeopardized because of bad customer service from JMK BMW in Springfield, NJ. The Story Two weeks ago while I was driving home I hit a larg

The Total Money Makeover Part 2

We have looked at the outline and format of the book, so let's find out what Dave Ramsey recommends as the key principles for personal financial succes. The first step, according to the Dave, is to honestly face your current situation. Many people have no idea how far in debt they are or where their money goes each month. We think that all we need is more money and everything will be ok. That is a lie! The more money we get, the more most of us spend -- almost always spending more than we make

Saving Money On Your Used Car Purchase With Some Easy Ideas

Saving Money On Your Used Car Purchase With Some Easy Ideas Shopping around for a car need not cost you an arm and a leg, even in the current financial situation. With a few straight forward tips, you can keep down the cost of buying your next car. We sell used cars in Southport and would like to offer you some of our helpful advice. 1) Look for a quality used car instead of a car straight off the production line. Brand new cars very quickly loose a lot of their value - as they are being dr

LiveBlog: Penske has the Power

Your humble host has returned from a few a glorious days in the beautiful city of New Orleans. I'll spare you the details but suffice it to say you need to go and you need to go soon, because the lack of tourism seems to be hitting the city hard. In short order it will be turned over to pirates - dead pirates - which means a drunken Johnny Depp will stroll into town, drink all available rum previously used for Hurricaines and then all hell will break loose. This is a great town, but even Anne

Highlights of 2008: Wrecking our car

Up until last year I’d been pretty good at avoiding car accidents. I try to drive defensively, watch my speed (more or less), and aside from a fender bender that wasn’t my fault its paid off in keeping me out of wrecks. All good things must come to an end, and that streak ended in November when I wrecked our minivan while towing an overloaded load of mulch. (And two days later I lost my job, but that’s the subject of another post). If I had to total my car this wasn’t a bad way to do it: with

Insurance Nightmare: Lawyers And Media We Want YOU

If you’re an attorney or someone in the media here’s a story that might be of huge interest to you. The name is changed, although we probably don’t have to. Let me tell you the story about an entertainer named….John. Once upon a time â€" about a year and a half ago â€" John was on a sound equipment run in a Rocky Mountain state. A friend of his and his wife’s was along with him on the trip. Then, when he stopped his old 1950s-style car, he was suddenly hit from behind by a rented truck. His car

The Health Report, Year 3: Week 5

Illinois would be a great state to live in if it weren't for all of the snow and cold. But for six or eight months, it's great. We've had twice the amount of snow this year that we had by this time last year, and it sucks. I live in DeKalb, and DeKalb doesn't really plow and they sure as hell don't salt the roads; if you want to see a plow you have to wait until either the snow has finished falling or even the next day so that the middle of the road will be kind of cleared off. Frankly, I'm sur