From the monthly archives:

February 2010

Save Money on Computer Software

by Mike on February 25, 2010

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Good news! You don’t have to pay an arm and a leg for computer software! While I don’t have statistics to back this up, it has been my observation that the average home computer is used mostly for word processing and web surfing. If this sounds like you, below are some alternatives to the expensive […]

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Cutting Cable Saved Over $70 per Month

by Mike on February 24, 2010

Last summer, as I was plowing through debt with gazelle-like intensity, I decided I was going to do something radical. I was going to completely cut off my cable in an effort to save time and money. This was a big move for me as I always have my television on…even if it was just […]

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Every Tuesday, I will post a link roundup of articles I’ve found while researching the Internet. February completes my first full month of blogging in the personal finance world. It has been exciting and fun! The level of support I’ve received far exceeded my expectations. I look forward to what the future has in store. […]

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How NOT to Dispute a Credit Card Charge

by Mike on February 22, 2010

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Every once in a while I like to flip the script. Sure, I could tell you how to dispute a credit card charge but I figured it would be more fun to tell you what NOT to do. This is based on a true story where I was the creditor. When I’m not writing about […]

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Buried Treasure

by Mike on February 19, 2010

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Last month I asked the question: “Are You Investing Your Talents?” I briefly discussed the differences between planting and burying something. The Bible has a lot to say about planting, sowing, reaping and harvest. When something is planted, it is with the expectation that it will eventually break through the ground and produce. On the […]

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Deal or Frill: The Miche Bag

by Mike on February 18, 2010

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I’m starting a new series called “Deal or Frill”. The idea is simple, I’ll post a story and you tell me rather you think the purchase is a Deal: A sale favorable to the buyer; bargain (Informal definition from thefreedictionary.com) or Frill: Something that is desirable but not a necessity (Informal definition from thefreedictionary.com). Though […]

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Automated Payments vs Online Bill Pay

by Mike on February 17, 2010

While I appreciate the Internet and all the convenience it has to offer; I am not ready to set my payments on autopilot. Automatic payments are offered by most companies you would owe money to (utilities, debtors, etc). When you set up an auto payment, you give the receiving company your bank account information and […]

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Every Tuesday, I will post a link roundup of articles I’ve found while researching the Internet. Last week a paid off another credit card! Looking at the zero balance was incredibly satisfying. I have 1 more card left in the snowball and my goal is to have that paid off by my birthday (April 23). […]

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It’s Tax Season ~ Get it Done!

by Mike on February 15, 2010

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It’s tax season and unless you are an accountant or just love numbers, the idea of doing your taxes may bore you as much as watching paint dry. However, it is better to do them sooner rather than later for a number of reasons: 1. Procrastination vs. Discipline: It is always easier to put things […]

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Should I Hurry to Pay off My Student Loans

by Mike on February 12, 2010

I am NOT a fan of debt, so why in the world wouldn’t I pay off my student loan with “gazelle like” intensity? The screenshot below will explain why I considered a less than aggressive payment strategy for my student loans. Think back to 2002-2003, college consolidation loans hit an all time low interest rate. […]

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Deal or Frill: Employer’s Coffee Fund

by Mike on February 11, 2010

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I’m starting a new series called “Deal or Frill”. The idea is simple, I’ll post a story and you tell me rather you think the purchase is a Deal: A sale favorable to the buyer; bargain (Informal definition from thefreedictionary.com) or Frill: Something that is desirable but not a necessity (Informal definition from thefreedictionary.com). Though […]

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What do you think of when you think of credit cards? Do you think of cash back rewards and redeemed airline miles or are you plagued with thoughts of insurmountable debt…or somewhere in between? Love them or hate them, credit cards are a part of the norm in America. Cardratings.com reports an estimate of 640 […]

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be my valentine

Every Tuesday, I will post a link roundup of articles I’ve found while researching the Internet. This is the “My Funny Valentine” Edition! Below are just a few of the awesome personal finance articles I came across last week. The ones that addressed Valentine’s Day & relationships are at the top. Check them out! Inexpensive […]

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How to Get Overdraft Fees Refunded

by Mike on February 8, 2010

Would you pay $36 for a cup of coffee? Of course not, but that is what runs the risk of happening if your account becomes overdrawn. Banks and credit unions are charging between $20 and $35 for the “convenience” of allowing you to overdraft.   high fees mean that someone who overdraws their account at […]

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How a FREE Raffle Cost Me $70

by Mike on February 5, 2010

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So there I was on Christmas eve with a few gifts left to pick up. My day and route was already planned because I don’t really like shopping. I prefer to go into a store and pick up what I need and get out. I had 4 gifts left to purchase, a Palm Pre for […]

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“I want to be clear: We do not excuse or condone folks who’ve acted irresponsibly.” – Barack Obama ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED- In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of an increase in an annual percentage […]

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New Website

Every Tuesday, I will post a link roundup of articles I’ve found while researching the Internet. This is the “New” Edition! Not to be confused with “New Edition”, the 1980s R&B group. But new…as in this website! I am excited to present Personal Finance Journey. The website “officially opened” on February 1, 2010, however, I’ve […]

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How are the New Year’s Resolutions Coming?

by Mike on February 1, 2010

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A month ago we brought in the new year with excitement, energy, goals and resolutions. I shared in my newsletter why most resolutions are not S.M.A.R.T. and encouraged readers to set “SMART” goals instead of ambiguous resolutions. A SMART goal is Specific, Measurable, Accurate, Realistic, and Timely while resolutions generally have no way of measuring […]

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