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Saturday, December 8, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
December 8, 2007 at 10:49 am ET
After reviewing my rate plan, I cannot reduce my plan. I use an average of 605 minutes a month. My plan is $39.99/month. If I reduce my rate plan, I will still be paying $39.99 but only get 600 minutes. As you can see, I am getting a real good deal. A deal that I would lose if I change my plan. Plan price $39.99myFaves Minutes N/AWhenever MinutesĀ® ... (more)

Friday, December 7, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
December 7, 2007 at 12:31 pm ET
The Topeka Capital Journal recently had an article that discussed the costs of living in Topeka (Kansas) versus other cities in Kansas and the country. According to the article a person making $30,000 in Topeka would need these amounts to live in the corresponding cities (ranked cheapest to most expensive). Omaha, NE: $29,454 Oklahoma City,OK: $30,453 Lawrence, KS: $30,926 (Kansas University) Manhattan, KS: $31,881 (Kansas State U.) Denver, CO: $33,955 Los Angeles, CA: $50,694 New York, ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
December 7, 2007 at 10:49 am ET
Are you someone who likes angels? There are thousands maybe millions of Americans that love to collect angel figurines and statues. Whether it be interior or outdoor decor, they can all look fantastic.While, I am a Christian, I am not one those that am into collecting angels, but if you are, you might want to check out cherub figurines. The site provides several links to websites that sell figurines of both angels and cherubs. ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
December 7, 2007 at 1:49 am ET
Debt consolidation is something that many Americans consider when they are in debt. However, it is not something to take lightly. Yes, a debt consolidation loan can help you, but only if you change your spending habits. If you get a loan to pay off your other debts, but keep spending like there is no tomorrow. You will soon find yourself in deeper debt then before you consolidated your debts. Don't think that will happen to you? Think about this, 78% of debt consolidators see their debts grow back to ... (more)

Thursday, December 6, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
December 6, 2007 at 10:29 am ET
Frugal for Life recently wrote an article that she called "11 Simple Steps to Living on Less." The article was a very good, but brief explanation of some of the very simple things you can do to get your spending under control. As she so elegantly stated, "Debt is outcome from living beyond our means and wanting it all now. But if you are serious about getting into the black and living a life that makes you happy, there are some simple ways to get back on track." It is a message that I have ... (more)

Wednesday, December 5, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
December 5, 2007 at 11:32 am ET
The other day I was reading 1 Million and beyond, who was asking would you invest in You, Inc. The concept is similar to what Dave Ramsey when he asks, if you worked for You, would you fire you? I knew the answer for Dave Ramsey's question was a yes, but lets take a closer look at my financials and look at myself from the viewpoint of an investor.Debts$400/month car payment ($10,900)$75/month 2nd mortgage ($990)$25/month credit card ($590)$25/month Fingerhut ($1,000)$??/month Black Gold Insulation ($180)$0/month ($3,795)-------------------Total Monthly Debt $550 / Total Debt $17,455Utilities$80/month Electric$80/month Gas$70/month cell phone$30/month Internet (cable)$60/month ... (more)

Tuesday, December 4, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
December 4, 2007 at 12:45 pm ET
As I listened to the radio this morning, I am once again hearing that Congress is taking on credit card companies. Credit Card companies have routinely raised interest rates without warning on their victims customers. I know, it has happened to me, as readers of this blog has read. Apparently, the credit card companies are involved in a practice of looking to see if you are late on any other of your debts. If so silently and automatically they raise your interest rates. Even if it is totally unrelated to their credit card. ... (more)

Saturday, December 1, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
December 1, 2007 at 1:33 pm ET
From time to time I get naysayers on one of the blogs that I write for saying something like, Do ya ever have any fun? They usually follow that up with something like, but what about now. If you die tomorrow, you've missed out for over saving.Of course Dave Ramsey says, if people don't make fun of you, then you must not be doing something right. I usually try to tell them you don't have to put yourself in the poorhouse to have fun. Still though, they come back to the "I want it and I want ... (more)

Thursday, November 29, 2007
Christmas List (1 click)
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 29, 2007 at 1:47 pm ET
As I grew up, and even in my adulthood, my mom has always wanted us to give her a Christmas wish list. Of course she rarely got what was on the list, but she still expected it. So what are the things that make up my wish list? To be debt free in the next year. - this will take a miriecale, but is a wish I pray to God for everyday.Night Splints (to help with my "heel spur" symptoms)Piggy/coin banks (for my collection).socks (no cotton)Khaki's (for work)As you can tell, for the most part my list ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 29, 2007 at 10:55 am ET
As I look at 2 of my stocks in my Sharebuilder account, I see that they are now worth more then the sale commissions. Even though they are the 2 stocks that I am most interested in keeping and building, I am considering selling the full shares to help pay off one of my debts. In so doing I will keep the partial shares, which would allow me to remain a share holder in both companies. Once I can again be an investor I would be able to build those shares. In addition, since I ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 29, 2007 at 10:43 am ET
You may have heard about this already, but in case you missed it. Here is a summery. As they do every year, PNC Wealth Management has come out with their Christmas Price Index. It would cost $78,100 to buy the 364 items, from a single partridge in a pear tree to the 12 drummers drumming, repeatedly on each day as the song suggests, according to the annual PNC Christmas Price Index compiled by PNC Wealth Management. The cost is up 4 percent from $75,122 last year.- Associated PressBelow is a break down of what each ... (more)

Wednesday, November 28, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 28, 2007 at 11:42 pm ET
What is more exciting to your child then getting a letter in the mail? Getting a letter from Saint Nick. Santa Claus that is. Now you can help give joy to your child, by being sure each of your children get Letters From Santa. Not only that Santa will also follow up with postcard and door-hanger. Each letter is customized for your child, with their name, the city in which you will be on Christmas, the child's gender, not to mention up to 3 items from their wish list and 3 accomplishments of ... (more)

A look at Pier 1 (3 clicks)
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 28, 2007 at 5:47 pm ET
Regular readers of my blog have known that i owned less then 1 share of Pier 1 (PIR). An investment I made through Sharebuilder.com sometime back, when the company was trading at better then $26 a share. Know the company is trading between $3-$4/share. Something that doesn't look good. Even a great value investor, Warren Buffett has dumped part of his investments in the company. I on the other with such a small investment, am hoping to see my stock value increase. So I began watching the company more closely. At ... (more)

Tuesday, November 27, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 27, 2007 at 9:14 pm ET
Small business owners face many challenges as they try to get off the ground and become a successful business venture. One company thinks they can help by giving these businesses unsecured Business Loans. Those who have rad my blog regularly, know that I subscribe to a different view. Still though, even I have wondered if I might be better served by consolidating some of my debts into one loan. So when I read their website and their, Fast funding and easy process, I wondered if maybe I shouldn't consider talking to these folks. ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 27, 2007 at 5:41 pm ET
On Nov 13, 2007 the Mayor of Topeka (Bill Bunten) submitted my name to the ShawneeCounty Commission for the Solid Waste Management Committee (SMWC).Today, I received word that yesterday (11/26/07) the Shawnee County Commission approved my appointment of a 3-year term on the board. SWMC generally meets once a month. ... (more)

Monday, November 26, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 26, 2007 at 12:48 pm ET
I recently received an email from a reader. An email, that I have struggled with an answer for. I am not a professional financial adviser and so I do provide specific financial advise to someone. Still I can sympathize with him. Like him, when my bills are paid, I often have less then $50 for food and gas. Considering that he makes more then 4 times what I make, it would seem that I would be happy to be in his boat. Then again, the fact he makes more ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 26, 2007 at 10:43 am ET
I was sitting in front of my computer today, thinking about our troops in Iraq and Afghanistan. Wondering what we could do to help these brave men and women. They put their lives on the line and are away from their families at what many of us consider the best time of the year. Wouldn't it be a great gift to our troops to send them calling cards, so that they can call home this holiday season. Whether you have a loved one serving overseas or not, wouldn't it be a great gift to ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 26, 2007 at 10:37 am ET
It is that time of year again. Christmas time is here again. The best time of the year. A season of giving. A season of caring. Of course, figuring out what to give your loved ones can be a challenge. Well, if you are like me, you might consider gift cards. The problem though with such gift cards is they are often limited to only store. Well, the answer to that is a Visa gift card. Since it has a Visa logo, it can ... (more)

Saturday, November 24, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 24, 2007 at 6:55 pm ET
Check out these cool LED Christmas LightsI found a website with some pretty awesome Christmas lights. These cool lights aren't like your traditional Christmas lights. They are LED Christmas lights. That means they are cooler to the touch. Which means they are safer around children. It also means they are less of a fire hazard. More importantly they are better for the environment not to mention cheaper to operate. LED Christmas lighting uses 90% less energy then traditional incandescent strings. Plus they have a 50,000 hour bulb life. ... (more)

Friday, November 23, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 23, 2007 at 9:01 am ET
An article in todays LA Times, shows at what lengths people will go to save a few pennies. The article tells the story of a small town in California, where the only two gas stations are charging more then $4/gallon. In the article one woman says she never uses the hometown gas station, instead she drives 62 miles to a neighboring town to save 96 cents per gallon. She literally spends more on gas driving to a cheaper station, then she actually saves. As I have said many times, "people, these days, will spend $3 to ... (more)

Thursday, November 22, 2007
Thanksgiving (1 click)
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 22, 2007 at 10:27 am ET
Today is Thanksgiving. A day to give thanks for all the blessings in your life. While, I have to work today, I am thankful that I have been able to pay off some 34% of my debt. I still have a long way to go, but in the next few months, along with my readers (as I post about it) I will see some of these debts finally and permanently eliminated. I am also thankful for each and everyone of my readers. Without you taking the time to comment on my posts or to send ... (more)

Tuesday, November 20, 2007
From Becoming and Staying Debt Free - view blog entries - visit this blog
November 20, 2007 at 8:35 pm ET
This morning I made my rounds getting some errands done. I went by the credit union and withdrew some money from my "Emergency/Insurance savings." Once I had some cash in hand along with a cashiers check for the insurance company, I went to North Topeka and paid my quarterly insurance premium that this year is now $347.10. From there, I went out to the eye glass place that I prefer. They are certainly beyond doubt a budget eye glass place. With frames running from $29.99-$99.99, the frames are without question cheaper then other companies $99-$1,000. ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 20, 2007 at 10:32 am ET
This scam isn't really new, maybe a new twist, but shows why we should always keep an eye open when responding to any eye online or in the paper.The Better Business Bureau of Kansas recommends consumers be cautious about getting involved in work offers found on the Internet.Recently a Topeka woman reported to the BBB that she replied to a Mystery Shopper ad and found herself in a scam working out of Canada. According to the press release she became alarmed when she received a check along with instructions to send a the sender a fee via Western Union, upon ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 20, 2007 at 9:56 am ET
I would like to take a few minutes and discuss insurance. Insurance coverage is essential to have to protect yourself, family, property and business. That is why I am excited about a website that I found with insightful articles into almost everything insurance related. In addition, the site SecureInsuranceQuotes.com also offers a place to get insurance quotes for homeowners insurance, Car insurance or Term life insurance.It even allows you to search for insurance agents near you. With agents listed in all 50 states, I truly believe this website is worth your look, if you are ... (more)

From Becoming and Staying Debt Free - view blog entries - visit this blog
November 20, 2007 at 9:55 am ET
Dang the luck. Well as they say, when things start looking up, Murphy moves in. That is exactly what happened last night. I was at work and picked up the intercom. Dropped it, as I tried to catch it I knocked my glasses off and broke the frames. So know with my insurance payment due this week, I have to come up with the funds to buy new frames today as well. I really need to schedule an eye exam (as it has been several years) but that would really be stretching ... (more)

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