MInTheGap
Debt Reduction
Christmas: Not the Time To Go Into Debt
My life with debt has seen its ups and downs. When I got out of college, one of my first big purchases was a used car. It cost me $6,000, for which I took out my first auto-loan. Of course, with little expenses1 and a full time job, I was able to repay the loan [...]
Straight Talk on The Debt Ceiling
You know what really gets me going—the political theater that’s going on in Washington right now. For weeks I’ve been mulling over this thing, and I’ve come to a few conclusions.
Bill Me Later
Rachel sent me this e-mail some time ago: I was looking online today at Amazon for a book and I noticed under the "promotions" box that Amazon now offers the Bill Me Later option for your purchases (which I think gives you 90 days to pay it back but I’m not sure; I’ll have to [...]
We Should Not Raise the Debt Ceiling
What would consumers do if they could arbitrarily print money or raise their credit limit every time they got out of debt? Well, you don’t have to wonder at this hypothetical—the U.S. government is showing you in real-time. Vox Day addresses two of the main arguments for raising the ceiling: Not raising the debt ceiling [...]
How Are You Preparing For the Next Emergency?
Many of us don’t prepare for emergencies. We live with the notion that what is now is what will be—if not better. This is something I touched on yesterday on the subject of Joblessness, but it pertains to financial planning as well. While some people may have money saved for retirement (and fewer that have [...]
What Do You Do If You Come Up Short?
What are you wasting your money on? That really is the biggest question that you have to answer when it comes to saving money and creating a budget. You see, we all waste money—we impulse buy things that we see, we buy things at full price instead of waiting for a sale, and we buy [...]
Money Mondays
I’m going to start trying to inject a little more discipline as well as try to keep to a given topic for each day with the hopes of helping me to remain more consistent in my blogging. This week I hope to introduce the 5 or so topics I will be covering, and next week [...]
Over Two Years and Still Out Of Debt
This past week, I was in a conversation with a coworker about cars. You see, ever since I decided to be done with debt and my wife and I decided to have our third child, we’ve only owned one car—a 1997 Dodge Grand Caravan SE. It’s old, but it has low mileage for the age [...]
How’s Your Income to Debt Ratio?
I saw this handy graphic the other day and just had to share. You can click on the image on the right to see the original, full sized image. The green represents income and the red represents debt. Pardon the language in the 29 year old comment, but it’s very real. The more income we [...]
How Much is In Your Emergency Fund?
How much do you have saved up? Me, I’m better than about 3 months—especially because we’ve seriously cut back on discretionary spending with my job loss.
Reduce Debt To Benefit Your Entire Family
As a result of the economy, all subjects related to money or personal finance are currently the hot topic of discussion. There are websites, blogs, books and other areas devoted to covering the latest news in the world of personal finance. In fact when it comes to personal finance, there are few areas that are [...]
Balancing the Budget
One of the first steps in getting a hold of your finances is finding where all of your money is going. The only way you’re going to do this is through work.
Are You Still in Debt?
One of the things that I’m most thankful for at this point in time is that my family is no longer in debt—except our mortgage. This being the second time that I have been laid off in 7 months, my expenses are much lower because I took the time a few years ago to get [...]
Credit vs. Debit
Many people have decided that it just isn’t worth it—credit, that is. One of the neat things that this recession has done is to convince people that although credit is handy and easy, there’s nothing that beat cash and savings. So, are these the only two options? Do I need to cut up all my [...]
The Curse of Debt
Debt. AKA- Spending tomorrow’s dollar today. It’s what has our country under it’s spell. It’s an enabler—enabling you to believe that you can have today what you want, because you’ll always have the job you have now—or will you? And the funny thing is, now that the economy is doing poorly, the government is trying [...]
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