Coupons, coupons, coupons. Gotta love those savings… right?
It’s a safe bet that most of us who read this blog love coupons. We routinely check our newspapers for special offers, and we refuse to make purchases without searching for discounts because we are very careful with our personal finance. I like coupons and saving as [...]
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The reward points, the 30 day free loan, and the perks are just excuses to keep that piece of plastic. No matter how much control you have, credit cards are a convenience that you pay for.
I used to think that credit cards are disastrous for the irresponsible but benefit the disciplined. I saw [...]
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I often find myself wanting to pay less for a purchase. Be it a gadget, clothes or my wedding, I always spend time looking for a bargain after I figured out the average costs. Most of the time, I end up looking for alternatives because so many products have set pricing. My [...]
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I won’t drink coffee unless it’s from Starbucks. They just make a better product.
Branding is very important in the retail business, because you can charge more per product and still outsell your competition. When I was a salesperson and making long drives in an unknown city, I would always stop by a Starbucks [...]
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I’m not much of a rules kinda guy, but the 30 day spending rule is one that you should consider adopting. It is pretty simple – wait 30 days every time you want to make a purchase. If you still think it’s worth the cost after a month, then go buy it, but [...]
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While the recent economic crunch has tempted all of us to reevaluate the things we spend money on, it may end up being the patterns of your spending that help you the most in the long haul. Having the discipline to actually change these patterns may prove more difficult than just locking up your wallet.
Not [...]
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All through life, we were taught to believe that bigger is better. More, more, more our teachers would say; higher, higher, and higher, our parents cheered.
When we grew up, we carried this mentality as the way of life. We stretched to buy the biggest house, we worked long hours to advance our career [...]
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UH2L’s comment sparked another idea on slowing down the mini David in me that likes to splurge.
So when I want to buy nice things that are somewhat expensive, I plan ahead and I budget.
What would happen if we stop buying everything from now on when we want them and instead plan and budget for it? [...]
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Whether it’s a lavish lifestyle, a luxury experience or an exotic products, we have all desired something unaffordable. Sometimes, just the fact that it’s unattainable makes us want it even more. How do we cope with it when it happens? Here’s my version of this last night.
Off and on, my wife and [...]
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It’s not that I don’t like saving money (yes I do), but when weeks go by without me splurging, that wallet of mine seems to vibrate by itself. The urge is always to press snooze by buying something, but the silence only lasts for a short while.
It’s amazing to me how this works but [...]
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Sometimes, obvious ways to curb our spending is seldom practiced because we feel embarrassed to try it. We read about them, laugh that it’s probably “just for fun”, and forget about them right after. Yesterday, my friend reminded me that while we might feel funny doing something unusual the first time, it is always the [...]
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Going through my drawer full of receipts over the weekend was like driving through Manhattan during rush hour. The long and painful process involved looking through them one by one and trying to figure out which ones are really worth keeping. In hindsight, I should have thrown out the ones I won’t need but maybe [...]
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We’ve all heard that buying bulk is one of the most effective way of saving money. Mathematically, it makes so much sense because buying in bulk means paying less for the same amount but like everything else in life, there are exceptions. Today, let’s explore the other side of this argument.
Starbucks Gift Cards
Over [...]
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A little over a year ago, Mint.com officially launched as an online money management tool. At the time, I was a little surprised because I’ve only known Mint as a personal finance blog with good articles and a great design. A year has gone by and after signing up 100,000+ users along with winning numerous [...]
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