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12 March 2015

Visualizing How the Things You Own, End Up Owning You

Due to the popularity of the visualizing how your stuff owns you post from several weeks ago, I thought it would be beneficial if I documented exactly how I use a simple monthly calendar and a few personal finance metrics to visually represent how many hours, days, even weeks, I had to work in order […]

30 April 2012

Travel for Pennies: How Rethinking International Travel Can Save You Money

Americans traditionally consider travel a luxury, reserved for retirement-aged people who are able to afford the time and cost involved in taking a proper vacation. We often think of traveling as a getaway, where all of our needs and wants are addressed by friendly hotel staff. The destination and local culture are often lost amongst mints on pillows, relaxing spa treatments, fancy dinners and elaborate shows.

14 December 2010

Groupon: 1 Year Subscription to ‘The Economist’ for $1/Issue

For those who like to get their financial media the old fashioned way — in print via snail mail — here’s some good news for ya… It’s hard to beat a $1 per issue offer in this day and age, especially if you’re the type that likes to hold a physical magazine or newspaper, but […]

7 October 2010

How the Great Recession Changed Our Spending Habits

Excellent chartporn from the Wall Street Journal in how the Great Recession altered American’s spending habits broken down in income quintiles (five 20% groupings). [click to enlarge image] Notice the change in elastic commodities (alcohol, retail apparel, etc.) versus inelastic commodities like food for a healthy home cooked meal. Not to delve too deeply into […]

6 October 2010

What Sounds Better: Skype/Google Video Chat for Free or Cisco’s Umi for $275 per Year

What sounds like a better deal? Unlimited minutes of video chatting over Cisco’s new home based telepresence system called the “Umi” for $25 per month? or… Unlimited minutes of free video chatting on Google video chat or Skype video chat on your home personal computer, laptop, and/or an array of mobile devices of your choosing. […]

18 September 2010

30 Year Spending Binge Now Replaced by Saving Spree

It would appear that an increased savings rate, and the debatable longevity of the “new frugality” meme, are more sticky, time wise, with American consumers than many business leaders and economists had hoped. Not surprisingly, negatively toned headlines like one in seven Americans living in poverty and much of the financial mainstream media constantly discussing […]

26 August 2010

Google Voice & Phone: Free All-In-One Communications Platform

I’ve said it before and I’ll say it again: the Internet is the greatest disintermediation force the business world has ever seen and middlemen the world over are being eliminated. Yesterday, Google announced it has added a “you can call any phone right from Gmail” feature into it’s extremely popular free email service. Google has […]

5 August 2010

Think Speculators Don’t Influence Markets, Think Again

 Budgeting,Commodities         4 comments

I get a laugh out of folks who say… speculators have little or no effect in the everyday lives of consumers. Really? Wheat futures Ostensibly, it’s never a good thing when a vast supply of any commodity, in this case, wheat, is taken out of the supply and demand equation by a devastating round of […]

17 May 2010

How I’m Fighting Food Inflation

Six words… growing my own fruits and veggies! [6 Day Old Golden Honeymoon Melon Heirloom Seedlings from Baker Creek Seed Company] I’ve had a small container garden on my back deck for several years now where I’ve grown my own herbs and other high price tag veggies (e.g. tomatoes, salad greens, etc.) to save a […]

12 March 2010

High Income Consumers Love those Groupons

Who uses Groupons? Rich people. That’s who! Okay, maybe not just rich people, but you may be surprised to learn that people who make major bank ($100k+ annual salary) are the heaviest users of daily groupon email alerts. Then again, it should be no surprise at all that young people who make a lot of […]

27 February 2010

Upscale Dishes You Can Make at Home for Half Price

Around this time every year, I’m usually suffering from sporting event purgatory. Meaning, I’ve got a nasty case of football withdrawal and with March Madness still several weeks away, I’m looking for something to fill the hours. So now that my normal repertoire of buffalo wings and homemade chicken fingers isn’t needed until summertime, I […]

15 February 2010

Keeping In Touch is Expensive, but Getting Cheaper

Have you ever stopped to consider how much money you’re paying to keep in touch? I’m betting that a good percentage of you haven’t. Not yet anyway! If you actually take the time to add up the amount of money you dish out every month to pay for the Holy Trinity of telecom cash cows […]

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