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Sunday, December 16, 2007
From Money Smart Life - view blog entries - visit this blog
December 16, 2007 at 4:34 pm ET
If something needs maintenance or repair in your home or apartment do you hire someone to do the work or do it yourself?  A lot of it probably depends on what your skills are and how much time you have.  As Trent observes, if your time is valuable and you’re looking to maximize it then [...] ... (more)

Saturday, December 15, 2007
From Money Smart Life - view blog entries - visit this blog
December 15, 2007 at 4:34 pm ET
If you have seen/read The Christmas Carol, you already know that Scrooge is the Bad guy. Well, I contend that Scrooge is not all bad, and here is why: Yes, Scrooge could have put a little extra coal on the fire; he could have allowed Mr. Crachit a little more time off, and been more [...] ... (more)

Wednesday, December 12, 2007
From Money Smart Life - view blog entries - visit this blog
December 12, 2007 at 8:54 am ET
If you have a video camera, you can earn some extra money this holiday season, and it has nothing to do with YouTube’s recent announcement.  I was looking for some video product reviews while Christmas shopping online last night and ran across a site named ExpoTV. They will pay you to review a product on [...] ... (more)

Tuesday, December 11, 2007
From Money Smart Life - view blog entries - visit this blog
December 11, 2007 at 8:26 am ET
Not sure what you’re going to do this winter as you’re hibernating the cold weather away?  Five Cent Nickel put together a great list of the top personal finance books according to 12 different financial bloggers.  My recommendation was The Intelligent Investor by Benjamin Graham, here is what I had to say about it: I’d recommend [...] ... (more)

Sunday, December 9, 2007
From Money Smart Life - view blog entries - visit this blog
December 9, 2007 at 6:10 pm ET
Financial Reflection & Planning My Dollar Plan gives us an End of Year Tax Planning and Finance Checklist. As the end of the year approaches, it’s time to think about any last minute tax strategies. At the same time, I have a checklist of things to prepare for the upcoming year. It’s more efficient to do them [...] ... (more)

Friday, December 7, 2007
From Money Smart Life - view blog entries - visit this blog
December 7, 2007 at 1:30 pm ET
Money Smart Life will be hosting the upcoming edition of the Carnival of Personal Finance on Monday.  You can enter your articles via the submission form, I’m looking forward to reading all your entries and putting together the carnival! If you’re interested in being a host yourself, Flexo is looking for sites that want to publish [...] ... (more)

Thursday, December 6, 2007
From Money Smart Life - view blog entries - visit this blog
December 6, 2007 at 7:42 am ET
How can you possibly make money on eBay without doing any work?  Well, you can’t really but it sure feels like I am. I mentioned earlier how I had found a partner to help me sell on eBay.  I had a bunch of inventory I wanted to sell but didn’t have time and he wanted to increase [...] ... (more)

Wednesday, December 5, 2007
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December 5, 2007 at 10:04 pm ET
Have you thought about your New Year’s resolutions yet for next year?  How about knowing where your money is going, knowing where you want it to go, saving more, and reducing debt?  Sound like a tall order?  If you set some specific financial goals for yourself, you’re much more likely to achieve some of them.  Check out [...] ... (more)

Tuesday, December 4, 2007
From Money Smart Life - view blog entries - visit this blog
December 4, 2007 at 8:26 am ET
Today, as I went through my mail, I was expecting bills. Instead, I got more than one offer for Christmas money. I should be excited, right? Wrong! Credit card companies and financial institutions are not being generous lenders. Running a business, they count on you and me jumping at the chance to [...] ... (more)

Monday, December 3, 2007
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December 3, 2007 at 6:12 am ET
Christmas is the season of giving. However, it is not supposed to hurt! Giving until it hurts is not a prerequisite for celebrating the holiday. Giving should be a pleasure, not a pain. Enjoy the spirit of giving, and stay within your means. For example, my father-in-law worked 2-3 jobs for the majority [...] ... (more)

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December 3, 2007 at 12:00 am ET
Why pay for something that you can get for free?  I’ve been wanting to finish Napoleon Hill’s classic Think and Grow Rich after reading the first few chapters about a year ago.  Finally I decided I’d get ahold of the audio version and listen to it on my commute. I put my name on the waiting [...] ... (more)

Saturday, December 1, 2007
From Money Smart Life - view blog entries - visit this blog
December 1, 2007 at 4:23 pm ET
Although retailers are facing their worst holiday season in five years they aren’t necessarily resorting to lower prices across the board to increase sales.  An article in Smart Money shows how stores are being smart about giving discounts that will not only increase sales but also benefit them in the long run.   Smart Sales StrategiesRetailers are [...] ... (more)

Friday, November 30, 2007
From Money Smart Life - view blog entries - visit this blog
November 30, 2007 at 9:04 am ET
With college expenses on the rise, along with the interest rates on student loans, many individuals are looking for ways to reduce college debt. From personal experience, I have come up with three easy ways to reduce college debt: 1. Pay Quarterly Interest The availability of scholarships is declining; so many people are depending on student loans [...] ... (more)

From Money Smart Life - view blog entries - visit this blog
November 30, 2007 at 9:01 am ET
A reader sent in the following question about managing taxes on personal donations.  I’ve never been on the receiving end of donations so I don’t know the tax implications or the best strategy to reduce taxes on the money.  It sounds like an awfully sad situation; I can definitely see why they would want to [...] ... (more)

Thursday, November 29, 2007
From Money Smart Life - view blog entries - visit this blog
November 29, 2007 at 9:14 am ET
Being a self-employed single mom of two, I have no guarantee of a certain monthly income, especially during the holidays. After all, my clients are also feeling the budget crunch of Christmas, so they are less likely to require my services. Unfortunately for my children, it also means that Mama’s Christmas list has to be [...] ... (more)

Wednesday, November 28, 2007
From Money Smart Life - view blog entries - visit this blog
November 28, 2007 at 8:30 am ET
Do not shoot the messenger! Although I intellectually understand the necessity of paying my share of income tax, I too would rather not have the expense. As soon as the holidays are over, income tax information is deposited in my mailbox. Even though taxes are not due until April 15th, I [...] ... (more)

Tuesday, November 27, 2007
From Money Smart Life - view blog entries - visit this blog
November 27, 2007 at 9:06 am ET
Is your credit card your friend or foe? Is your mailbox inundated with tempting offers, from competing financial institutions, for additional credit? Are you tempted to check out the offer, or do you drop the envelop straight into the shredder? Have you noticed that the more credit card debt you experience, more offers flood the [...] ... (more)

Monday, November 26, 2007
From Money Smart Life - view blog entries - visit this blog
November 26, 2007 at 7:28 am ET
Christmas is a wonderful time of year! You look forward to the lights, the Christmas carols, the food, and the chance to be with family as you celebrate the reason for the season. However, along with all the festivities, the bills usually stack up during the holidays. For many, gift giving results [...] ... (more)

Sunday, November 25, 2007
From Money Smart Life - view blog entries - visit this blog
November 25, 2007 at 11:08 pm ET
Holiday shopping is ZERO fun.  Although I wasn’t around for Black Friday, I did spend half an hour waiting in line this evening to make my first gift purchase of the season.  The longer I stood the more irritated I became with the situation and any holiday cheer I was feeling quickly evaporated.  I decided [...] ... (more)

Saturday, November 24, 2007
From Money Smart Life - view blog entries - visit this blog
November 24, 2007 at 2:37 pm ET
What’s the most difficult time of the year to stick to your budget? How about the holiday season? Of course, it’s not just the holidays, it can be difficult to live within your means throughout the year. Below are some tips I’ve used to help me stay on track with my budget. [...] ... (more)

Friday, November 23, 2007
From Money Smart Life - view blog entries - visit this blog
November 23, 2007 at 3:08 pm ET
As you go through the checkout line this holiday season try the following experiment. Take all your full shopping bags directly to the Salvation Army. Keep one and give the remainder away. Repeat this every shopping trip. How long would it be before you dramatically decreased the amount you bought or [...] ... (more)

Thursday, November 22, 2007
From Money Smart Life - view blog entries - visit this blog
November 22, 2007 at 12:53 pm ET
Personal finance can be very stressful. Here are five major areas that we feel fortunate about. Limited Debt The bad news is that we have a mortgage to pay. The good news is that we have no student loan, car loan, or credit card debt to worry about. The less you owe, the better [...] ... (more)

Wednesday, November 21, 2007
From Money Smart Life - view blog entries - visit this blog
November 21, 2007 at 8:05 am ET
Some of the best personal finance lessons I’ve learned did not come from books or interviews. Personal experience is often the best teacher. For example, as a single parent, I have learned you can’t pay for parenting. Oh, sure. You can hire a babysitter or nanny to be with the children in your absence, but [...] ... (more)

Tuesday, November 20, 2007
From Money Smart Life - view blog entries - visit this blog
November 20, 2007 at 8:59 am ET
Running a household as a single parent is no easy task. I don’t know from personal experience but I’m familiar with how challenging the parent role can be when there are two people participating. I can only imagine how difficult it must be to run a household on your own. Single Parent’s MoneyThe most obvious personal [...] ... (more)

Monday, November 19, 2007
From Money Smart Life - view blog entries - visit this blog
November 19, 2007 at 8:43 am ET
Ask many people what their favorite time of the year is and you’ll frequently hear “the Holidays”! That used to be my answer as well but for the last 7 years my “wonderful” job has turned me into Ebenezer Scrooge during the holidays. Christmas Crunch TimeOur busiest time of the year at work is always [...] ... (more)

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