Tip #7 - Create a “No Spending” day once a week

This is tip #7 of the Save $1,000 in 30 Days Challenge. Today’s tip is to set at least one day per week on your calendar when you don’t spend one dollar. Do you think you could do it? Technically, even if you don’t open your wallet, you’re still spending money on things like rent/mortgage, car insurance, subscriptions, and Christmas gifts â€" you just didn’t count them. But that’s even more of a reason to create a “No spending” day on the money in your wallet: because you can actively contro

suffered from auto accident?

If you have suffered from an auto accident, well you are not only entitled to collision damages but also claims to the Diminished Value of your vehicle. Diminished value or DV can be defined as the loss of financial worth of a vehicle due to damage. There are different types of Diminished value which I will have to leave it to you for research. Well, in simplest term you can’t sell your car with its market value. OK, granted because no one will ever buy a vehicle that went through an accident a

Are You Wealthy Yet?

by: Al Walker Here’s a real simple way to become wealthy. Marty and his wife live at home with their 2 children. They own a 3 bedroom house in a middle class neighborhood and try to live within their means. Marty works full time in the Printing Industry, while his wife is in charge of the home and looking after the children. They’ve accumulated some credit card debt and have 2 years left on a car loan. They try to stay out of debt as much as possible and together they’ve managed to con

Get Protected On the Road

It's more than a month now since I got my DL and start driving. After my car insurance was running for 5 months while the car was just setting in the parking area, I finally use it. Personally, I believe that having car insurance is worth it. You will never know what will happen to you or with your car while you are on the road or even when it is just parked. Having car insurance will help you save hundreds if not thousands of money in case accidents of whatever form happens. In Texas, having n

I don't even make ten

I don't even make ten dollars an hour. I have two kids left at home. I have a car that's not worth anything,so the insurance is cheap. I buy my clothes at garage sales or thrift stores. I never leave town,and pretty much just drive to work and back. I did forget to mention that I get ninety dollars a month for child support. I was fortunate to be able to help build myself a habitat home with many other wonderful volunteers. I have mortgage payments for the next twenty years,but am so thankful t

What Are The Best Keywords To Target For Google Adsense?

There are a lot of keywords out there but some of them just aren’t worth it. I’ve decided to check out some of the best keywords or niches to target for Google Adsense so you can increase your revenue in price-per-click. In my experience, certain niches will simply make you more money if you do it right. And when I say “do it right” I mean using Adsense as your source of revenue and organic or search engine traffic as your “customer” let’s say. I’m sure all of you guys know that the “Make M

I Was In An Accident, Will My Car Insurance Rates Go Up?

You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let''s say you''re driving along and a deer jumps out and rams into the side of your door. Now, let''s say you need to file and claim and get your car fixed. But, are your rates going to go up? In the first case, more than likely they will depending on how much your insurance company pays out to fix both cars and medical bills if anyone was i

How to Donate your Vehicle

Do you have a car that is no longer running or has seen better days?  If so, don’t take it to a junk yard, instead try donating it!  Donating a vehicle is very helpful to others and can be a benefit to you as well.  When you donate a vehicle you will often find that you get a tax deduction.  Donating is a great thing to do and many charities today are collecting them!  So how do you donate a vehicle?  Find a charity that you want to donate to.   Once you have someone to donate your car to cont

If you were a chick.....

who would you sleep with?? I watched step brothers last night and I meant to ask this to every dude I can, (Mainly because my girl wheedled it out of me!!) I mean, for all the TFP men out there, if by some reason the disease that turns people into feeding zombies in resident evil goes wrong and instead turns all men into women, we'd all be raging lesbians squatting over a mirror for the first 1/2 hour of our days, but just saying, that we do turn into women...... I would (with great diffic

Getting Organized for Travel

Before you go on holiday it is important that you organize and plan carefully, to avoid common problems and ensure that your holiday runs smoothly. Here are a few essential issues you will need to sort out before you set out for your holiday: * Passport - If you are travelling abroad you will need to make sure your passport is up to date, and has more than 6 months left before its expiry date. If you need a new passport you must organise this well before your holiday, as you will not be able t

Spending and Saving Questions are Answered by Our Budget

I hear a lot of people complaining that budgets don’t work. They’re too hard. They’re too complicated. It sounds like a lot of work. I’ll be fine on my own. I also read stuff like why you don’t want a budget. While I generally agree with the sentiment behind this post â€" learning to live simply â€" I definitely think everyone needs a budget. Step #1 of my No Debt Plan is creating a budget. Creating a budget helped my wife and I stop living paycheck-to-paycheck. It truly changed our financial liv

Better Be Safe and Secured.

In this times when everything’s so indefinite, being secured at all times is necessary for one’s own protection. There are a lot of ways on how to secure one’s future and the most common and useful of which is an insurance. I have my own life insurance and hubby also has his. Asher and I are also covered with a health insurance from Paul’s employment. Then our beloved and ever reliable Nissan Green Machine is also insured. It’s not actually being negative or worrisome of any bad happenings but

3 Quick Ways To Save Money

If you’re in or near retirement, the performance of the stock market probably has you rattled - that’s perfectly normal. The best thing you can do is reduce your expenses as much as possible so that you can let your investments, those investments that have lost quite a bit of value, stay in your accounts for as long as possible. Here are five quick ways to save money. Carpool: Fuel prices have come down a lot lately but carpooling is still one of the easiest ways to save money. By not driving,

How To Speeding Ticket

I hate speeding tickets but I love driving. While driving in general is not that exciting, driving fast is. There seems to be a problem with it called speeding tickets. Nothing can alter your driving mood like the infamous traffic ticket. That’s why I pay much attention to contesting traffic tickets. I know I am not the only one who has gotten one of these “infractions.” They are unfair for the most part. Like once I was taking on a road trip with my friend and I got pulled over for going 65 i

Why We Like Seth

Why We Like Seth Submitted by Ray Murphy on Thu, 01/22/2009 - 3:39pm. Philebrity has a funny post about the YPP fundraiser for Seth tomorrow. And it inspired me to share some back-story on this blog's relationship to Seth Williams. First here's what Philebrity had to say: YPP is throwing [a dance party] for Williams at the Khyber, and the more we dig around on Williams, the more we feel like, what do they know that we don’t? To be fair, we’re sure it’s a lot. Yes Joey, we do know more than

Baby Car Seats

As fascinating as it can be, haven a baby is need a lot of care and plan. This is because baby is a delicate thing that needs to be always monitored and kept in the safest condition. Baby has a natural character of curiosity and active. Those combinations will make it a very potential object of danger. The best way to protect your baby is by making sure it is fully protected in anytime and anywhere including when you take it traveling in a car with you. Baby car seat is the answer for your ba

Protect your assets without long-term care insurance

In the past few years, it seems like unplanned health catastrophes have ripped many families apart. For Nolan, it was the loss of two grandmothers and a best friend. For Mark, it was the loss of a mother-in-law and a favorite uncle. For you, it could be a spouse, a sister, a child or another loved one. It seems like we have all seen the devastating effect a health care crisis has on a family. So we are amazed at how many smart people we talk to that have done nothing to plan for a health care

Q A: Round Two

Here is round two of the Q A..thanks to all of you for the great questions! Molly asked: “Now that you are living “larger” than before (though still not “large” by any means), how do you resist the temptation to over accumulate?” The one thing that keeps my desires to buy, buy, buy in check…is staying on a cash budget. I mentioned this in the last Q A post, but it’s worth saying again! When I have an exact amount of cash that I can spend that week, I turn into the most frugal g

22 Days Into the Year

Time to update the list, I think. It's been awhile!Reading: I just picked up the newest issue of Somerset Life. So far I have only paged it to look at all the wonderful photos, but I plan to have some sit down time to read the articles. I also peeked at the premier issue of Stuffed and I think I want to buy it on Friday when I am near a Chapters. It's got some adorable things. Things with button eyes which are so charming.Listening: Right now, I'm spending alot of time listening to my iPod thr

Suggestions for the Super Bowl

I’d like to see a Super Bowl without the fighter jets… All screaming ‘cross the super sky, and while we’re at it, let’s Eliminate the similes where football is like war… For, heaven help us, we have got the real thing, and what’s more, I’d like to see the end of celebration of the game As something patriotic, a conception that’s as lame As any battered player hobbling on a rebuilt knee… Who’s trying to convince the league to take a look and see That though he’s fifty, he should get some

Auto Loans For People With Poor Credit - Buy Your Dream Car

How to Get a Bad Credit Auto Loan Are you an individual who just so happens to have what many of us refer to as the dreaded and frustrating bad credit? Well there is no need to sweat it any longer; you do not have to feel like you are the only one. Unfortunately in our society today, there is a large number of other individuals who are in the same boat as you are. One of the frustrating parts of having to deal with bad credit is the fact that it is generally quite a bit harder to be able to sec

An elderly couple's dilemma: how to pay healthcare bills

Please help us, the e-mail from this older, suburban couple implored. They don’t want me to use their names. They don’t want their friends and neighbors to know how bad off they are. She’s in sales; he was in financial services before he was fired last December. Both are 61, only a few years away from retirement. Who wants to hire an older man when they can find a young one eager for a job at half the salary? No one. He’s made it his business to work every angle he can think of. But so far,

Queerantine

Queerantine Tuesday was on of those days when you try everything to get out of the door but it seems almost as if the Universe refuses to will a speedy departure. You see, I was trying to get out of San Diego by 3 PM and on my way to LA for the Queerantine party and red carpet event. I had just gotten into my car for the first time in over week. In order to pass my smog inspection, I had to take it in and replace a cat converter and fluids (not to mention change half a dozen lights and rep

Unfare

So taxi fares went up 8% today.  At least they would have if the people that be could sort the bloody process out a bit. 8% wage increase eh? So to get this increase, a taxi driver must first drive into the city, pay an arm and a leg to re-calibrate the machine, then drive back to an NCT/SGS place and get the meter ‘fixed’ or ’sealed’ or whatever it is they do to get the machine legitimized, forking out the end of the hard-earned penny-jar to do so.  TAT embarked on this increadible journey

How To Handle Car Insurance Claims

Having a car accident is one of life’s least pleasant moments and your day is about to get worse.Now you need to call your insurance company and file a claim.Many people are apprehensive about filing car insurance claims because of all of the horror stories they have heard over the years, such as your premium rate will skyrocket if you ever have to file a claim or that the insurance company will do everything in their power not to pay.  Never fear.If you have chosen a reputable company to do b

Head First Algebra

Contrary to popular thought, algebra is not just a headache: it is solving for the unknown. “Algebra is about finding the information you’re looking for by using the information you already have,” explain Tracey Pilone and Dan Pilone, authors of the newly released Head First Algebra. “The unknown could be the cost of a car loan, the quantity of soda you need, or how high you can throw a water balloon. If you don’t know it, it’s an unknown.” So, are you tired of struggling just to get a C- in y

Aligning Your Cashflow

Tons of people have been writing with questions similar to this on from EM: I’m usually a really organized person but struggle with ways to get the cash flow organized well with the money coming in at different times. I’m paid bi-weekly and my husband is paid on the 15th and 30th of each month. When I look at the monthly numbers, we should have a surplus of cash but many of our expenses (childcare, RRSPs, life insurance, car payment etc) come out at the beginning of each month and I’m feeli

Oh, Really? Study Concludes Alcohol Hinders Athletic Performance

Hey, has anyone out there drank alcohol before? Ha. Of course you have. (Apologies to our Mormon, Inuit and Amish readers.) Have you noticed that if you drink and drink a fair amount, that the morning after you may feel a bit dehydrated, a bit out of sorts? Yes, of course you have. It’s sort of like knowing the world is round or that you can save 15 percent on your car insurance by switching to Geico. But, a professor in New Zealand took some time out of his schedule recently to study the affe

When To Use Your Emergency Fund

I was having an interesting discussion at work the other day, followed by reading a similar topic on a fellow pf blog, and felt like discussing it here to see what you guys think. One of my coworkers just bought a brand new car. She had previously owned the same car for almost 10 years and was ready for a change. She prepared by saving up for the down payment and really did a lot of research into the car that she was interested in. Plus, because my company works with most of the dealerships he

Health Insurance: Is your employer paying its part?

One of M’hijito’s good friends, a young newlywed who had just purchased a car, was sideswiped by a fifth-wheel while he was on his motorcycle. Because he was wearing a helmet, the young man survived. However, he’s lost a kidney and his spleen, and he broke three vertebrae. He’s still in the hospital, a very sick puppy indeed. As you might surmise from the fact that he and his bride qualified for a mortgage in these tough times, he had a good job with good benefits. Or so he thought. Well, co

WHS Ad - January 21, 2009 - Please Adopt Me

Roxy 171810 Roxy is a fabulous 8 year old girl. Roxy is such a great catch â€" she is such a lovely dog. Don’t let her age fool you, Roxy has a lot of energy and will need regular exercise to keep her happy and healthy. Roxy has lived with another dog in the past and is expected to do well with dogs, after a proper introduction of course! Roxy has been on a car ride while she was with us and she loved that too! We think she would do best in a home with kids 10+ and one without cats, she loves t

Unorthodox Ways to Save Money

There are a lot of “frugal zealots” out there who already know just about every money-saving trick in the book. I didn’t want to rehash the same old tips, so I came up with a few that are a bit unorthodox. You might have thought of these… and maybe not. I hope they will at least get you thinking in new directions. Unorthodox Money-Saving Tip #1: Stop Cleaning Your Ears with Cotton Swabs Here’s what it says on the side of a box of Q-Tips (a.k.a. “cotton swabs”): Do not insert into ear. The re

Modern Day Cars, Perhaps Future Classics

It’s anyone’s guess really as to which vehicles of today will become the classics of tomorrow. However, there are many factors that make it easy to make predictions. Many of the modern day cars currently on the road will not end up anywhere down the line but in the junkyard. But a handful of them will end up classics that are worth plenty when they are several decades old. If you’re not sure if your car will be a classic, there are a few sources you can check to see what the pros think. There

Raindrops Keep Falling On My Window Pane

It’s raining back in Sabah, at my parents’ place particularly. And some other parts in Sabah, it’s actually flooding! But here in KL, there was so little rain, so many hot suns! But not right now. It’s raining cats and dogs over here.. and I’m all excited!! I think I’m gonna do my laundry more often these days - because I know my laundry activities will induce rain. Hahahaha! Anyway, for those of you who’s wondering where am I or what happened to me after that sort-of emo post I made, I’m do

Why I Drive a 13-Year-Old Car

This is a guest post from Joel Berry. I recently had a talk with a friend about why I haven’t purchased a new car. He can’t understand why I still drive a 1995 Geo Prizm. I can afford to buy a new car, but I choose not to. The fact is, driving an older car saves me money! To prove my point, I ran some numbers. I was surprised by how much money I’ve saved by driving this car for so long. Used vs. new I bought my Geo Prizm in 1995 with 5,000 miles on it. It now has 140,000 miles on it and st

Funny Business

There’s actually a good story about how I came upon today’s topic, but I’m going to save it for another post. (Just remember “Company A.”) For now, I want to zip right on to the silly stuff! Or let’s put it this way: Given the proposition that recruiting should express a company’s personalityâ€"how do you deal with a corporate image that’s quirky, or even downright comical? Should you embrace the humor, play it straight, or go somewhere in between? (And in case you’re thinking “if only that wer

looking for quotes

we were suppose to go to Divisoria today, but unfortunately i forgot that the car is coding day - 3 for tuesday. oh my! so i suggested that if my mom wants we can still go, commute way. since there are many vans and suv’s that are available for rent from divisoria to cavite. but mom refuses the idea, since we need the car readily available for us after buying things from one store to another, baggage counter in other words! so it was canceled, maybe in the first week of november we will go. a

'House Heal thyself

Empathy - the ability to understand and share the feelings of another - is not exactly one of House's strong points. But it seems he has a soft spot for those with chronic pain. The POTW is Jeff, a suicidal 32 year old with a wife and a son who tries to take a nap in his running muscle car while parked in the garage. It seems 7 specialists in 3 years haven't been able to find a reason for his ever increasing pain. House's pain is steady as ever, but is compounded by the fact that his fiscal b

Nikkai In-Car Journey Recorder for taping the Road Ahead

When I was on the road to Vegas for CES, I wished I had some sort of video recorder so I could just speak my mind and write about it later. It would have definitely saved me some time and would have made the trip a lot less boring. On a somewhat related note, Nikkai has created the In Car Journey Recorder, which is the inverse of my idea. Yes, the In-Car Journey Recorder is designed to affix to the windshield to record the road ahead, not the driver. It uses a 1.3M CMOS image sensor, which ca

Day 18, Where I Blow Up My Vehicles

At the time of this post, just slightly over 24 hours left till Justin comes home. After dropping the kids off at school (yay! another good drop-off!), I ran over to my insurance estimate office to get a written estimate on the damage to the truck. On my way home, I swung by the body shop to get the truck scheduled for it’s *gulp* $700+ repair and a rough estimate of length of time for repair (”at least four days” is what I was told). As I’m heading home, I call Goodyear to see if they can tak

Baby’s Got a Boo-boo!

Baby Blue has got a boo-boo!We had light snow all day, just coating the ground. As we headed home we came up upon a state plow/salt truck who was doing its thing. I decided to stay behind it. I figured it was safest there.About a mile’s distance later, I saw a sedan coming in the opposite direction. For whatever reason the driver lost control of her vehicle as she passed the truck and headed straight for us. I headed for the narrow shoulder, but I was unable to out manoeuvre her. She hit B

Chana Era CM8: Malaysia’s cheapest MPV

2009 is the year of the MPV. The big two are the Proton MPV and the Perodua MPV that’s set to launch at different times this year, but before any of them manage to get in the showrooms comes the cheapest MPV in the market, the Chana Era CM8. Now let’s backtrack a little - those of you who have been following this blog for a few years now may remember this vehicle being spotted a few years ago, in June 2007 to be exact. The CM8 was spotted in Subang Jaya with trade plates. Even before that in

Finding cheap car insurance

While my dad and I are in the car, we were talking about when I can have my own car. He said that I will be able to have my own car if I will get good grades and after I graduate that I will need it for my work. He told me that owning a car means another responsibility. He also added that this requires a lot of things to prepare like learning how to drive the car, learning those traffic lights or signals, passing the exam to get my license and having my own car insurance. My dad told me that h

It Never Was There

I’m like a lot of people I know.  We may be very different from you and those you know.  But we’re familiar to ourselves and to each other. I’m one of those people who tried to get There.  There isn’t a place; it’s a status.  It’s a moment.  It’s hearing that someone told someone else that you have “one of those” and they should see it.  Maybe it’s the big TV or the cool cappuccino machine.  Maybe it’s a boat or an SUV that costs more than the average American home and is only 3 square fee

A BMW? Or A Civic Plus A Ferrari?

A few years ago I came up with the idea that buying a fancy car can be a real waste of money. Even if you are a “car guy” (like me), chances are that 360 days of the year you use your car to simply get you from A to B. Perhaps at most, you might go for a Sunday drive or a weekend road trip and really want to enjoy the sight and sound and visceral feel of a highly tuned car, maybe you want a “car” for a handful of days per year. That being the case, instead of buying that BMW (or whatever), ma

Worst TV Shows

  This week, CBS canceled its bankrupt casino drama “Viva Laughlin,” which some have called one of the worst TV shows ever. Which got us to thinking. Here, then, is our list of The 25 Worst TV Shows Ever. Let the debate begin. “You’re in the Picture” (1961). Jackie Gleason appeared in a prime time quiz show, but it was so bad the quiz format was dropped after one airing and it became instead a short-lived talk show. Even Gleason knew it was bad: “I’ve seen bombs in my day, but this one made t

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