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Personal Finance By The Book

Personal Finance By The Book

Joe Plemon: Financial Writer

Take Control of Your Debt by Setting a Time Goal

December 12, 2011 by Joe Plemon 13 Comments

How do you feel when your bills pile up on you?  Overwhelmed?  Out of control?  Hopeless?  Even when you start making progress, do you run out of steam?   Is “getting started” something that you continually postpone? Yes, debt bondage can be overwhelming, but setting a time goal will help you take control of your […]

Filed Under: Debt

How I Got Frontier to Lower My Rates

November 30, 2011 by Joe Plemon 6 Comments

I wish I could say that I am a savvy customer – one who is always a step ahead of each and every vendor – but that would be a lie.  I am not that person.   However, almost by accident, I recently managed to get Frontier to lower the rates on my bundled (TV-telephone-internet) plan.

Filed Under: Dollars and Sense

Our Ten Dollar Christmas Challenge

November 28, 2011 by Joe Plemon 3 Comments

Our family is in the midst of “The Great Christmas Experiment” this year: we opted for a family vacation in June instead of a gift exchange at Christmas.  No, we are not anti Christmas…in fact, we love the season dearly.  It is just that when we overdosed on gift exchanges last year, we (even my […]

Filed Under: Dollars and Sense

Readers’ Input Requested…Am I Too Tough on My Strategic Default Stance?

November 16, 2011 by Joe Plemon 16 Comments

When I wrote the post What is “Strategic Default” and Should You Consider It?, I was tough on those who have used this tactic. First, a definition:  Strategic Default, according to Wikipedia, is “the decision by a borrower to stop making payments (i.e. default) on a debt despite having the financial ability to make the […]

Filed Under: Dollars and Sense, Economy

One More Time: More Money Will NOT Make You Happier!

October 28, 2011 by Joe Plemon 5 Comments

We hear it over and over. We know deep inside that it is true. But we have trouble digesting it fully. What am I talking about? The knowledge that happiness does not come from money.

Filed Under: Biblical Thoughts On Finance

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