How to Buy, Sell and Rent Study Material

study material

Are you going back to school? Or you are a first-year student at university? In both cases, a student has to dish out a huge sum to buy new study material for the semester ahead. Until now you would have had to pay up to $500 at the start of each semester. Which is insanely […]

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Shhh…. What do you think of that B*****?

Now that I have your attention, you are probably scratching your head wondering why that would be on a personal finance website.  Shame on you for thinking that!! What would your mother say?  The word is in the news all over the world now.  That magical word is BUDGET.  The congressional budget, state budget, city budget, your personal budget, budget for that trip, some websites use that as part of their web address...this budget that budget... What in the world does the word budget even mean?  According to my good friends over at Merriam Webster here are the origins of budget: Middle English bowgette, from Middle French bougette, diminutive of bouge leather bag, from Latin bulga, of … [Read More...]

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Side Hustle: The Real Mobile Hot Spot

The bulk of us that read and blog have regular full time jobs.  Many of us do this for fun or as a side hustle trying to make some passive income.  I have been an avid reader for a few years and have seen some interesting side hustles over at Budgets Are Sexy side hustle series.  This one that I am about to tell you about takes the cake.   A New York marketing firm, Bartle Bogle Hegarty’s Labs (BBH), created a stir at the South by Southwest Music Conference and Festival (SXSW) recently.  The festival held in Austin, Texas is geared towards bringing the eclectic music of Austin to the rest of the world.  Now that we are in the technology age where we feel the need to be constantly … [Read More...]

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From My Frugal Side: 5 ways to cut costs in the bathroom

I don’t know where this one came from.  I was sitting there yesterday thinking (not thinking in the bathroom) and I started rattling off ways to save some money in the bathroom.  These ideas are not going to require any major design changes to your bathroom.  Sure you look at the picture above and think where can I possibly save any money.  The bathroom is probably one of the most frequented locations in the house and these simple changes can add up over the year. Water Saver – add a water saving showerhead to your shower and this can cut up to 33% of your water consumption.  We added one of these to our rental unit and our unit and instantly began to notice our consumption go down.  With … [Read More...]

Week 5 Recap: A Month in and I am here to stay for the long haul!

Well here it is the Five For Friday.  Another week has come and gone and we continue to pump out the articles.  It has had its share of ups and downs over there past month and a half, from late nights to early mornings.  A lot of great comments and plenty of feedback received via email.  Thank you and keep those suggestions coming.  I really appreciate it.  Here is what I have been reading this past week that has really kept my interest and even provoked some commenting.  Homeownership may not be for everyone but here are some lessons learned.  Take a look at what Robert at My Multiple Incomes has to say.  I just found this blog this week and it is great a must read! A great blog that … [Read More...]

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The Peyton Manning Story: A few days short of that big bonus!

Peyton Manning – Franchise Quarterback of the Indianapolis Colts is a free agent.  I am not a regular follower of football but I have heard who this gent is.  Potentially the best quarterback to ever play in Indy or maybe best quarterback ever in all of football.  This article isn’t going to talk about all those statistics that he has amassed, but we really could because finance covers stats and various ratios.  If he was on the roster at the start of the league year he was to be owed $28 million dollars as a bonus.  Did you hear that right, a BONUS!!! I don’t know if you have been over to see J. Money at Budgets Are Sexy.  If you are over there check out his Million Dollar Club and … [Read More...]

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What to do Wednesday in Personal Finance? Is the Adjustable Rate Mortgage becoming extinct?

I was reading an article last week that made the motion that adjustable rate mortgages (ARM) are dying.  For starters, adjustable rate mortgages are loans where the interest rate changes periodically.  Generally they are a good option when you are buying a house and the prevailing fixed rate mortgages rates are high. This notion did not surprise me because interest rates are at historic lows for fixed rate mortgages.  You would be silly not to lock in a mortgage at these rates now, the interest rates are likely not going to get any lower than they are in your life time.  Listen they are at rock bottom now, I was having a water cooler discussion at work just looking for a consensus with my … [Read More...]