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Personal Finance By The Book

Personal Finance By The Book

Should you Itemize or take the Standard Deduction?

February 1, 2012 by Joe Plemon 12 Comments

Should You Itemize or Take the Standard Deduction

With income tax filing time upon us,  you need to be asking yourself whether you should itemize or take a standard deduction.  If talking taxes makes your head hurt, I beseech you to stick with me for two reasons:  1) this is simple stuff and 2) understanding these two types of deductions could save you […]

Filed Under: Taxes

When Money Was Real

January 30, 2012 by Alex 14 Comments

When I was young, money was real. I couldn’t get a ham and cheese sandwich for a nickel or anything like that, but I could use the 2 dollars I’d been saving to buy a pack of cards from the game shop or my favorite candy for 50 cents. When my dad took us kids […]

Filed Under: Dollars and Sense

Coincidence or Providence?

January 27, 2012 by Joe Plemon 7 Comments

Although I am NOT a “name it and claim it” Christian, I believe God is actively at work in my life.  I also believe that Jesus’ words, “… give and it will be given to you” are still applicable today.  Where am I going with this?  I recently experienced an amazing convergence of two seemingly […]

Filed Under: Biblical Thoughts On Finance

“18 Months Same as Cash!” … Really?

January 25, 2012 by Joe Plemon 6 Comments

Is zero interest for 18 months REALLY zero interest?  If you can walk a tightrope while juggling flaming torches, then maybe.  But beware — many of these offers are fraught with conditions that will make your head spin. Best Buy, for example, is currently offering 18 months zero interest on all purchases over $429.  However, […]

Filed Under: Credit Cards, Debt, Dollars and Sense

How to Get the Most Gasoline Savings From Your Kroger Points

January 23, 2012 by Joe Plemon 21 Comments

When my home town Kroger store recently opened a gasoline station, I tried out their discounted fuel.  Not knowing exactly how the program worked, I simply asked for the biggest discount, which turned out to be $0.50 a gallon.  With my 18 gallon purchase, I saved $9!  Needless to say, I like this program! To […]

Filed Under: Dollars and Sense

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