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Showing posts from December, 2015

5 Best Guides to Beginning a Life Free of Financial Worry

It is beginning "the thing" or "the change" that can be the hardest, isn't it? When I was at my lowest financial point of worry and anxiety, these five books lifted me up and over debt toward a life of fun frugal living and some financial security.  So I'm sharing the wealth. Amazon has it on sale from time to time   1.  How to Get Out Of Debt, Stay Out Of Debt and Live Prosperously This was the first book I read that took the shame out of debt and addressed some of the emotional issues.   It inspired me to take a second job as an adjunct professor.  This didn't pay much per hour but the extra $2K in a year helped lift my family out of debt.  I felt like a cork, bobbing above the water and suddenly seeing the shore.  What a relief that was!  I found a copy of this one for .01 on Amazon! 2.   "The Only Investing Guide You Will Ever Need"  This was the second financial self-help book I purchased and still have on my bookshelf. 

Deadline 12/14/2015! Special Offer to Get 10% Rewards on Chase Freedom and Amazon Purchases

If you enjoy Chase Freedom credit card rebate points like I do, then be sure that you sign up TODAY for your 10% cash back rewards through 12/31/2015. The deadline is December 14th for this extra cash back offer. (And even if you are reading this after December 14th, 2015, use it as a reminder to check your Chase Freedom Cash Back status. There are plenty of juicy deals for the basic 5% to take advantage of before the end of the year.)   

Why Your Monthly Budget is a Dangerous Myth

  Caution:  Your Monthly Budget is Only About 66% of the Story  I have a budget built after years of study – and it’s about $3K per month in expenses .  At least that was the target amount that would allow me to claim financial independence from the MegaCorp life while still living well on less .    It even included money for several “sinking funds” of savings for the nasty surprises that will happen eventually, but of course -   just not this month .     For example, I will need a new car someday, just not this month.   I will need new glasses that cost about $500, just not this month.      The appliances will someday go ka-put, just not this month.    Hmm….   But as smug as I’ve been about building a great budget including savings accounts for the “just not this month” expenses – the last few months of backing away from MegaCorp life have given me the time to examine what’s really happening in my financial life. Basically, I’ve been fooling myself by woefully under funding