Archive for December, 2007

Not breaking the budget

Tuesday, December 25th, 2007

This was a pleasant Christmas.  I purchased some nice affordable presents that were on my relatives’ “wish list” and everyone seemed to like what they received.

We put more attention on the intangibles this Christmas. I had some wonderful long distance calls to some of the relatives who I had not conversed with for quite a while.

We are sending our photo holiday card by email.  People enjoy receiving it that way and there are no fees for hard copies, postage, etc.

I realized I can have more space in the house if I discard anything we really don’t need.  After discussing this with the neighbor lady, she happily received my brand-new never used crock pot.  She told em she had been planning on buying one. I am continuing to “release books into the wild” through the Book Crossing program.

I think that 2008 is going to be a good year.

Merry Christmas! And more free things to do.

Tuesday, December 25th, 2007

I really enjoy the free videos that I find on the internet.  If you are a feline lover, here is a holiday video especially for you: 

The best things in life are free!

Saturday, December 22nd, 2007

I just came across a really cool site!

One releases books into the city and (hopefully) some one replaces it with another book. In any event, you have the fun of someone else receiving your book.

And, this could be a great family outing for Christmas. See who can find the best hiding place!

Enjoy free DVD’s courtesy of the library

Friday, December 21st, 2007

I used to spend hundreds of dollars annually at Blockbuster. Then I found out about the library. It is wonderful to have a free rental for a week. I saw a movie the other night that I loved – “Paris, Je T’aime”. See if your library has it available.

A word about debit cards

Friday, December 21st, 2007

A lot of people love debit cards. Although I used one briefly until I had a credit card, I have never been a fan of them. I guess my idea is that if it is that easy for me to take my money out, that other people could get their fingers on my hard-earned money also.

Recently I have read on some people’s sites that they used a debit card to secure an internet service or even a purchase. Later they tried to cancel, but they had trouble either stopping the monthly debit, or in getting their money back. If they had had it on a credit card, they could have secured co-operation via the credit card customer service and it would have been handled very easily. I have found that when a charge is in dispute, the credit card customer will always be right if they have proof of the injustice.

Tip of the day on credit cards

Thursday, December 20th, 2007

When you start getting credit cards, you can be “wooed” by the different companies t0 get a new card – bonus frequent flyer miles or money, free ipod, etc. I, like most other people, like getting free gifts. It was only after I had way too many different companies’ credit cards that I discovered you credit card rating can be penalized by having too much credit allowed by so many cards.

Tip of the day: limit your cards to one Visa and one Master Card. I found when I was in France they preferred one of these, and in Italy the other. (The third card I have is a business Amex Card. I find American Express customer service to be heads and shoulders over the others. A few scams have tried to put charges on my card, and American Express handled them for me immediately so that I did not have to deal with it further.)

It also is nice to only have to carry a few cards, as then if one gets lost or stolen you would know immediately and report it.

Chic and cheap wedding dress

Wednesday, December 19th, 2007

This is a beautiful wedding dress. Have a look at it here:

One would never know it was make out of toilet paper!

It also saves money to not have to buy monthly storage for a dress you will most likely never wear again.

Would you wear this dress?

Better than drugs

Tuesday, December 18th, 2007

After a long day of working on my books, my head was starting to ache a bit. Instead of grabbing the aspirin bottle, I went outside and walked over the bridge while enjoying  the ocean air. Soon, I was enjoying the walk and I had forgotten all about my head. Sometimes the best medicine is free!

The Exception to the Rule

Monday, December 17th, 2007

There is one exception to the #1 Rule of Credit Cards.  If you can get an interest free credit card for 12-18 months, it can be used when you know you have money coming in  from an inheritance, etc. and you can pay off the card before the interest cycle begins.

More on Credit Cards

Sunday, December 16th, 2007

I will be writing in the future about how to save and/or waste money with credit cards.  I have been using credit cards for over a decade.  Tip #1 is the most important one.  Never spend more in any billing period than you have in your checking account.  I have routinely paid the entire amount of my credit card bill on each payment.  It is a joy to not be charged the credit card interest which can quickly accrue to staggering amounts. And this is a joyful freedom that goes beyond money!