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From Becoming and Staying Debt Free - view blog entries - visit this blogMay 6, 2008 at 9:45 am ET
Forbes annual list of the 400 richest people in the world is out. Guess what. Bill Gates, the man, who was the richest man in the world for the past 13 years, is now number 3 on the list. The number 1 spot, is once again held by the guy who was number 2, for the past 13-years. That of course is the Oracle of Omaha, Warren Buffett. As most of my readers know, he is one of the people I most admire.In fact, three of the men that I ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 5, 2008 at 12:51 pm ET
As I mentioned the other day, the physical therapists called and said that they needed to redo the paperwork for the charges. The reason is that they figured in a charge for a treatment the insurance wouldn't cover. So, without that charge my total bill will be $665. Plus the 5% processing fee that brings it up to $698.25. With the payments being $29.09 for 24 months. Of course, I hope to have this paid this year as well. With my larger paycheck (even though by the hour, it's lower) I ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 5, 2008 at 8:55 am ET
On Saturday May 3 (2008), I drove to Kansas City. My purpose was to attend financial guru, Dave Ramsey's Total Money Makeover Live Event. The day started eventfully. To start, before getting out of the driveway, I realized, I had forgotten the directions to Kemper Arena. Once, I was on the interstate and barely past the last free exit, I realized that I had forgot my ticket and camera. So, I had to take the next exit, which cost me 30 cents to get back into Topeka.Now, with everything I needed I ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 2, 2008 at 6:37 pm ET
I received word tonight, that when I return to work on Sunday morning, I will have a new job title. I will no longer be a shift supervisor. Instead, I will be the Assistant Manager. Which means I will be getting a nice pay raise. However, it also means I will be salaried. Which as you know, means I will be working 50-60 hours instead of 40. I am excited, I finally made it, to the position that I have been after for a long time. My job ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 2, 2008 at 1:44 pm ET
I recently received an email, suggesting I talk about teaching children financial literacy. That is something I view as very important, the younger they learn the better off they will be, when they grow up. However, it boils down to being the parents responsibility. If the parents doesn't teach them, their inaction will speak louder then anything the kids learn in school. Let's face it, kids learn by watching what their parents do. I am a great example of that. I knew from school and church the right way to handle money, but ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 2, 2008 at 12:22 pm ET
There are several news items today, that are of interest to personal finance readers. Instead of writing two different articles, I thought I would combine it into one (1) article. So without further ado, lets get started.Congress & Higher Food PricesThis is the story that has the quote of the day. "Why are we putting food in our gas tanks instead of our stomachs?"That is what Richard Reinwald, a bakery owner, asked a Congressional panel investigating rising food prices. An Agriculture Department economist told the panel that the use of food crops for alternative fuel is ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 2, 2008 at 9:21 am ET
Filling up the gas tank last night was a pain. I paid $3.49/gallon. With gas prices that high, I wonder, if I can even afford to drive to Kansas City tomorrow for the Dave Ramsey live event. The $20 of gas I put in the tank only brought the the tank to 3/4 full. If I remember from last year, it will take me about half a tank to make the trip. Of course this year the arena, he is in will be about 2 miles closer, which means I would save about 8 ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMay 1, 2008 at 12:01 pm ET
April was a terrific month financially. I managed to pay off $1,107 in debt. An amazing amount considering my net income is only $852. Now, I know some may ask how I managed to do that. The answer is simple. I received a quarterly distribution from the Telephone company, I own a piece of. In addition I used the money from the roommate to help get this debt reduced. I am still waiting for the annual dividend check from the telephone company. That check will be $300 and ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 28, 2008 at 8:56 am ET
Thursday, I woke up with an extreme stiff neck. However, it finally subsided and although the pain in my neck was still greater then my daily neck/back pain (for as long as I can remember), had been in the past. Then this morning, I woke up around 5 am with extreme neck pain again. So bad, I wasn't sure if I was going to be able to get out of bed. I know, I know, the neck aren't my legs, but to roll over onto my side, so I could swing my legs over ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 25, 2008 at 10:18 am ET
Have you seen the documentary, "Maxed Out," yet? If you haven't, did you know you could actually watch the whole thing online via Google Video? I have found the video, or at least one of the online copies, and am embedding it here. This is the documentary that Dave Ramsey was briefly interviewed in. ---go ahead share your thoughts with me now.Get Paid to Sign Up, Refer Others, Read E-Mail, Complete Offers, and More! ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 24, 2008 at 9:49 am ET
Do you know when you will be getting your stimulus check from the government? Most people would answer, May. However, that may not be the case. It all depends on how you filed. Not only that, but if you got a refund did you request a direct deposit or a paper check. If your refund came by direct deposit, you will gt your stimulus payment before anyone getting a check.Take a look at the two charts below, to see when you will get your cash. The processing order will be done ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 24, 2008 at 8:03 am ET
I am excited. This week my the current balance on my mortgage was almost cut in half. A week ago today, my payoff balance was $725. Then I sent AmeriFirst Home Improvement a payment of $300, which was posted on their automated summary this morning. My new balance is now $423.28, based on a payoff for May 23. Of course, my goal is still to pay it off by May 1st. If only the $300 check I am waiting on would arrive, so I can sweep that into this payoff amount. ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 23, 2008 at 11:44 am ET
I received my social security statement in the mail yesterday. I found it interesting. If I retire at age 62, I would receive $640/month. Like I would really be able to be live on that. So, we will move forward and look at going until full retirement (at age 67) when I would receive $914/month. That amount is still less then my take home pay. Of course, I would have my 401-K (which currently only has $3,000). However, if I wait until I am 70 to retire ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 23, 2008 at 8:01 am ET
OK, I thought I would try some new features out that Blogger has introduced. The features are only available if you log into what they call Blogger Draft. The 2 features that caught my eye was the ability to now be able to schedule a post for the future. While I am actually writing this post at 11:41 PM (Central Time), it will (or is suppose to) post at 7 AM on Wednesday morning. Even, if I am still in bed, it will be able to post. The other feature that ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 21, 2008 at 12:19 pm ET
I was going through my bills, and I found that I have been underpaying the electric bill. As a result, I have to come up with an additional $90 this week to bring it up to date. That results in me being about $40 over this weeks budget. Still though, I am trusting God and believe I will be able to pull it off. Although, I am in part counting on an annual dividend check, that I really don't know when it will come. The same check, I am expecting to ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 21, 2008 at 11:45 am ET
Good morning. I just looked at the calendar, as I was sitting down to write the new schedule for work and realized next Saturday (May 3) was fast approaching. What's so special about that Saturday? Well, that is the day when Dave Ramsey will make his 2nd visit to Kansas City, MO. A city about 75 miles from where I live. I again have a ticket for the Live Event that day. Last years event was at Municipal Auditorium and was sold out. It was according to the Dave ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 17, 2008 at 12:16 pm ET
This past weekend, the Today show on NBC, had a story entitled, "7 ways to improve your credit score." It is clear from not only the title, but also their guest that they are worshiping at the altar of the FICO score.So what are the 7 tips?Fix your credit reportThe fastest way to raise your score is to fix errors on your credit report. Go to www.annualcreditreport.com to get a free report from each of the three credit bureaus every 12 months. It’s important to fix mistakes on all three credit reports. You have a separate credit score based ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 16, 2008 at 10:28 am ET
I have been working the last couple of days trying to get comments from certain individuals for a post, that I had planned to post here and on my Capital Journal online column. Due to them being to busy to get a response back, being out of town or whatever, I have not been able get a response. I will continue trying to bring you the post with the comments, but if no comments come today, I will have to run it without them. However, I won't be able to post the article ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 14, 2008 at 7:41 pm ET
Ebay results. I have sold 1 of the VHS tapes on Ebay. However, I actually lost money, since I did free shipping to entice more bidders. Problem is, I only got one bid, for the $1.99 starting price. It cost me $2.13 for postage alone. IE: that didn't include the cost of the padded envelope, ebay listing fees or Ebay final selling fees. I did get a couple bids on the brand new DVD that sold for a final price of $6.66. That basically paid for most of the ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 14, 2008 at 7:04 pm ET
Most of us have already filled our taxes, but for those of you who have procrastinated here is a something you might look at. Since the filling deadline is tomorrow, Michelle Shildkret with H & R Block emailed me to let my readers know.I hear you about gas prices-- I just filled up in Brooklyn, NY and I was paying $3.45 a gallon. Ouch!I see you're basically done filing, but tax day is tomorrow (ack) and I thought you might like to share the news that H&R Block is now offering TaxCut Basic + efile for the ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 8, 2008 at 11:29 am ET
We all now gas prices are going up. It is something, that we can't escape. Here in Topeka the prices range from $3.12 ($3.10 with shopper card) to $3.35 at the station that is consistently the highest place to get gas in town. The average is about $3.24. Even that crazy price though is below the national average.In an article in the LA Times,Retail gasoline prices surged to new highs in California and nationally over the last week, the Energy Department said Monday.Prices are increasing even though supplies are ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 3, 2008 at 12:34 pm ET
Well I got my taxes back from the tax preparer. I took some cash out of my emergency fund/insurance savings to pay his ($110) fee. Kurt is wonderful. He is a Dave Ramsey ELP (Endorsed Local Provider). He was able to get me a $531 Federal Refund, although I owe the state $74. That means that my IRS debt will see a substantial reduction this year. Especially considering the $600 stimulus tax credit coming in May. Altogether, I will see that particular debt decrease by $1100. ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 2, 2008 at 1:48 pm ET
Fire Finance has once again spent a lot of time and energy check out the ratings of "the top 100 personal finance blogs." The ratings for DebtFree4ever has slipped again, but I am still in the top 100 in all 3 services. Before I give my rankings, I would like to thank Fire Finance for all of his hard work each month, checking out each of these sites. #97 on Compete. #75 on Quantcast.#45 on Site Meter.I would like to figure out how to improve my rankings, especially with Google page rank, which apparently stopped ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogApril 1, 2008 at 10:12 am ET
Last night, Suze Orman was on both Oprah and the NBC nightly news. On Oprah, she discussed the rumored recession we are in.Money expert Suze Orman says recessions are a natural part of economic life. "People should be concerned more than worried," she says. "This is not the first time that we have had a recession. A recession is nothing more than a contraction. I'd like you to think about it like your breath. You breathe, you expand. And then you have to contract in order to have breath, in order to have life. Money is the same way. It ... ( more)
From Becoming and Staying Debt Free - view blog entries - visit this blogMarch 31, 2008 at 8:23 pm ET
In my efforts to get debt free, I am again taking some items to Ebay. Take a look, and maybe bid (buy) an item or two from my collection. ---go ahead share your thoughts with me now.Get Paid to Sign Up, Refer Others, Read E-Mail, Complete Offers, and More! ... ( more)
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