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  1. I'm sooo excited!!!

    by , 03-03-2009 at 12:37 PM (Travelling on the frugal path to Freedom)
    I just cut up another card! YAY!!! AND closed it.

    We spoke to the bank, and we're moving ahead with the new financing. We got a great rate. With any luck the rate will be a little lower when we go to sign the papers.

    NO penalty, as expected, due to the type of mortgage in the end, and possibly no closing fees depending on what banking "specials" are in effect. We'll know more in the next couple days on that. Our rate might be .25% less as well 4.05% would ...

    Updated 03-03-2009 at 12:40 PM by mommy4ever

    Categories
    Debt Reduction , Savings
  2. Financially Secure People Eat Leftovers

    by , 03-03-2009 at 11:59 AM (C@rol's Blog)
    This weekend I was reading ďYouíre Broke Because You Want to Be: How to Stop Getting By and Start Getting AheadĒ by Larry Winget. (A pretty good read, by the way. The advice is nothing groundbreaking, but his straight talk and no excuses approach is entertaining.) Anyway, in the book he states that most people who are financially secure donít eat out often, if ever. I agree. Eating out is expensive and easy to lose track of. The meals add up before you realize exactly how much youíve spent. Itís ...
  3. 21 Days to Positive Money Habits

    by , 03-03-2009 at 11:44 AM (C@rol's Blog)
    It is an accepted part of self-help wisdom that it takes twenty-one days to develop a new habit and make it stick. This has been found to be true in weight loss, smoking cessation, reducing alcohol consumption, and many other regimens designed to create positive habits. It can also be applied to your finances. If you are having trouble getting motivated to create a better financial life, a dedicated effort over just twenty-one days can create better money management habits.

    Of course, ...

    Updated 03-03-2009 at 11:46 AM by C@rol

    Categories
    Frugal Shares
  4. 21 Days to a Negative Money Habit

    by , 03-03-2009 at 11:38 AM (C@rol's Blog)
    I want to show you how easy it is to fall into negative money habits in just twenty-one days. We often think that money problems come about over a long time (and they sometimes do), sneaking up on you after years of overspending, medical problems, reliance on credit, or underemployment. But the sad fact is that it can take as little as twenty-one days for you to fall into bad money habits that can ruin your nest egg.

    It is an accepted part of self-help wisdom that it takes twenty-one ...
  5. Top Dollar Store Finds

    by , 03-03-2009 at 11:32 AM (C@rol's Blog)
    For a store where everythingís a dollar, Iím surprised I donít shop there more often. I guess Iím a creature of habit so Iím more likely to go to a store that I know will have a particular item in stock. But recently I took a trip to my local dollar store to see what they have to offer. Now the thing about most dollar stores is that because their prices are so low, often times so is their quality. I wouldnít buy anything at the dollar store that I planned on keeping for a long time. But there are ...
    Categories
    Frugal Shares