No matter how frugal we are, everyone eventually ends up spending money. Christmas is coming up so the need to make difficult buying decisions will fall onto our shoulders. It is at these times that people who are frugal can really spend much less money than people who aren’t. It is also during these holiday [...]
Billy always convinces me to buy and sell stocks at the perfect time. He must be a billionaire because he always asks me to give some of it up as he probably doesn’t need anymore. When there is a selloff in stocks, he tells me to follow because that’s probably when the market is at [...]
Let’s face it. We as individual investors are very afraid right now. Did you notice all the articles from us personal finance bloggers about the market throughout the year and the lack of them right now? Part of it is because we all want to cover the thanksgiving spending etc etc, but it is also [...]
My Citibank credit card updated their website recently and something very important changed. I noticed that instead of showing the statement balance, it is showing the current balance (see red cross in picture). I never knew the difference before but current balance apparently is the statement balance + unbilled balance. The statement balance on the [...]
My Uncle buys gift cards from coffee shops for his own use. He told me that it is very convenient because he goes to the coffee shop everyday and can just order his latte and charge it on the card. When the card runs out of money, he can just reload it with a credit [...]
Recently, my dad quit smoking after years of us encouraging, motivating, persuading, yelling, and cussing (you name it, we’ve done it). It was a struggle for so many years, but the fear of sickness finally convinced him to quit smoking. Many of us smoke (in fact, one third of all male in this world do), [...]
