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Personal Finance By The Book

Personal Finance By The Book

Is Buying a New Car For Zero Percent Interest Loan a Good Idea?

August 2, 2012 by Joe Plemon 45 Comments

My friend Larry recently asked me a good question that led to a challenging question: “Joe, isn’t it true that everyone needs to be putting aside money every month for a car fund?” Joe, “Well, yes. Although some may be wealthy enough to have a nest egg generating vehicle purchase money, the vast majority of […]

Filed Under: Debt, Dollars and Sense, Vehicles

How Healthy Boundaries Make Healthy Relationships … and Finances

April 26, 2012 by Joe Plemon 4 Comments

The principle of establishing healthy boundaries is one that has given me the courage to say “no” when yes is the wrong answer.  Although I published the following  post nearly two years ago, I am resurrecting it for those who may have missed it.  Hopefully, the message will impact your life like it has mine!

Filed Under: Dollars and Sense, Self Improvement

How Reading My Mail Saved Me $1,566.87

April 18, 2012 by Joe Plemon 10 Comments

Because the letter was in a very plain, unofficial, innocuous looking envelope,  I nearly pitched it.  However, I decided to give it a look.  Good thing!  Here it is:

Filed Under: Dollars and Sense, Insurance

You CAN Cope With Rising Gasoline Prices! Here’s How.

April 4, 2012 by Joe Plemon 1 Comment

It’s happening again!  Gasoline prices are on the rise and no one seems to know where they will stop.  I realize that watching those prices escalate can be depressing, but I urge you to take a deep breath, reassess your finances, and make the appropriate adjustments.  Prices may be skyrocketing, but the sky isn’t falling…you […]

Filed Under: Budgeting, Dollars and Sense

Frugal Is Not the Same As Cheap

March 21, 2012 by Joe Plemon 6 Comments

Have you ever been called “cheap” by someone whose spending is out of control?  How do you react?  Hopefully, you can simply smile and consider this designation as a backhanded affirmation that your frugality is being noted.   Of course you may indeed be a cheapskate:  always pinching every penny, never being satisfied with however much […]

Filed Under: Dollars and Sense

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