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I just wrapped up a week-long invasion of my good friend E's house.  

First off, I'd like to say thank you to E for allowing me to stay at her pad instead of a hotel, thereby saving a little extra to put in the good ol' Roth IRA's.  

The truest friends care about your retirement funds.  You can quote me on that.  You could quote me on any of this, technically speaking.  

Let me tell you a bit about E.  She is a well-spoken, well-written, black-belt.  Maybe not a black-belt, but I'm pretty sure I couldn't take her.  

E put herself through college at the University of Georgia using a combination of work, parents, scholarships and student loans.  Her degree was in theater.  

Now an Air-Force-induced transient soul like me, E, up until recently, had been working in a church office. The job required good time management, work with technology, toleration of coworkers, you know, the usual job-type stuff (but no theater-type stuff).  

Yup, college is expensive.  

Yup, expensive endeavors are not to be taken lightly, especially by the non-loaded.

But E and I got to talking: there are many college degrees that some people would consider worthless.  We submit that a great deal of the value derived from a college degree has nothing to do with the concentration/focus/major.

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Article publié pour la première fois le 19/10/2010


Around the Interwebs – Week of July 26

Could You Live Without Your TV @ SmartMoney

How to Work With Your Spouse on the Budget @ Christian PF

Wants that Morph Into Needs @ PF Advice

Article publié pour la première fois le 31/07/2010


The Emotional Purchase


Yesterday Husband and I went to Wal-Mart to look for a new wireless router.  This may shock some of you, but I have no interest in routers.  I like it when they work, I punch walls when they don’t; well, not so much punch walls as feel like punching walls.

Like a child being drug through the Home Depot, I shuffled back to the electronic’s department and whined to Husband that I wanted to leave.  That’s when I saw it.  A plain white box that contained the most beautiful router I had ever seen (considering my lack of reference, looking back, this seems a bit dramatic). 

I broke my cardinal rule, I picked it up and asked Husband if we could get it for no reason that I could verbalize.  He examined the box for the router’s specifications. Remember how I said “plain white box?”  Really, it was.  There was not a bit of writing on the thing.  That sobered me right out of my enchantment.   

Needless to say we didn’t buy it. 

This leads me to the concept of the emotional purchase.  Some say that women are more prone to this phenomenon, however, I would beg to differ because I have seen Husband, Brother-in-Law#1 and Brother-in-Law#2 all jump like little schoolgirls at just the sight of a new gun. 

Emotionality is frequently the driving force behind an impulse purchase. 


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Article publié pour la première fois le 08/09/2010


Money Carnivals

Here are the Carnivals I’m featured in this week:

Carnival of Money Stories @ No Debt Plan – Childish Lessons in Finance

Carnival of Personal Finance @ Beating Broke – Use it Up, Wear it Out, Make it Do, or Do Without

Festival of Frugality @ Wealth Informatics – 5 Library Perks


Article publié pour la première fois le 27/07/2010


Boredom & Spending

As the old saying goes: Familiarity breeds contempt (of people).  There is, however, a lesser known variation of this famous phrase (lesser known because I just made it up, feel free to spread it around):  Familiarity breeds boredom (of stuff).   

Boredom can have many negative side effects: dizziness, weight gain, whining, grumpiness, and, perhaps most disturbingly, unnecessary spending! 

Don’t get me wrong, change is good, I’m a huge fan of change.  Why, I change my underpants almost daily (joke, just a joke people).  Sometimes, however, boredom can lead to discontentment which can lead to the urge/desire/need to change EVERYTHING.   

Most likely, everything does not need to be changed (unless there is shag carpet involved).  Often times, something “new” doesn’t even need to be purchased.  When you can’t get no satisfaction, looking around and working with what you already have may actually turn out to be more rewarding and fulfilling than going on a shopping spree. 

What if instead you:

Rearranged – your desk, your living room, your bookshelves.

Purged – I’m always amazed by how different a room looks when stuff is taken out of it. 

Cleansed – just as your car drives smoother after the car wash, your house will run more efficiently when it’s clean.

Or Changed Something…

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Article publié pour la première fois le 14/09/2010


Quartz Mountain, Oklahoma

The locals call this Quartz “Mountain.”  We Coloradans call it “a hill.” Either way, a fun little adventure.

Article publié pour la première fois le 08/06/2010