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 […]
Readers’ Input Requested…Am I Too Tough on My Strategic Default Stance?
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 […]
Are Your Credit Card Rewards Really Rewarding You?
When my friends tell me how much money their credit card companies pay them each month, I ask myself, “What is the catch?” After all, credit card companies are not in the business of losing money. Is it possible…really possible…to make credit card companies pay? Even though I don’t own any credit cards, I am […]
I’m Not THAT Wasteful Am I?
I walked back downstairs after dinner last week and found that I had left the light on in the basement. I hadn’t been down there for at least two hours and yet the bulbs still burned bright, lighting up an empty room. Now, usually I don’t think about wasting electricity by leaving lights on, but […]
The Hard Truth about Easy Monthly Payments
Vendors offer “easy monthly payments” to lure buyers into purchases they should probably be avoiding. The problem is that these easy payments do not make your life easier; they are actually a recipe for a lifetime of debt. Here is why:
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