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    Saturday, September 27, 2020 Cashback Bonus = Christmas Budget (5 clicks)
From The Happy Rock - view blog entries - visit this blog
September 27, 2020 at 5:01 pm ET I know it seems early to be bringing up Christmas, but I actually saw some holiday stuff in a store, so I guess it’s never too early to starting thinking about it.
For the last few years we here at the Debt Defier household have been funding our Christmas shopping with our Cashback rewards from our [...] ... (more) Wednesday, September 24, 2020 Financing College by Selling the Van (9 clicks)
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September 24, 2020 at 10:43 pm ET First it was Netflix, now it’s the van.
I’ve been putting off writing this post for about a month. It has been about that long since we’ve decided that selling our van would be in our best interest (financially speaking).
I first brought this idea up way back in July, but my wife wasn’t on board quite yet. [...] ... (more) Tuesday, September 23, 2020 Using Coupons Can Cost You Money! (2 clicks)
From The Happy Rock - view blog entries - visit this blog
September 23, 2020 at 10:57 am ET I have a guest post up at Bible Money Matters explaining numerous ways that coupons can cost you more money than you think.
Click here to read Using Coupons Can Cost You Money!
Related PostsJust Ordered My $15 Entertainment BookThe ‘Cost Per’ Calculation Can Save You MoneySave Money By Always Asking For The Fees To Be RemovedWhy [...] ... (more) Sunday, September 21, 2020 From The Happy Rock - view blog entries - visit this blog
September 21, 2020 at 12:34 am ET No, not through Napster or some other torrent, but through the unique site Snag Films. The current offer over 300 independent documentaries for absolutely nothing. They have quite a few quality films on there, so be sure to check it out if documentaries interest you.
One of those free films is In Debt We Trust. Here [...] ... (more) Thursday, September 18, 2020 From The Happy Rock - view blog entries - visit this blog
September 18, 2020 at 10:05 pm ET Bear Sterns, Freddie & Fannie, Lehman Bros, Merrill Lynch, AIG…all big names that I normally don’t care anything about.
Until now.
Yesterday while I was mindlessly entering data (my new part time job) I was also listening to a Public Radio program called “Fresh Air”. Joining host Terri Gross was Michael Greenberger, who proceeded to explain how [...] ... (more) Monday, September 15, 2020 Now is the Time to Winterize Your Home (3 clicks)
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September 15, 2020 at 11:13 pm ET I live in an old home. It’s in the historic district of my town. In fact, when we converted it from a duplex back to a single family home, it was front-page news (tells you a lot about my town). Another establishing detail you should know is that it gets rather cold in South Dakota. [...] ... (more) Sunday, September 14, 2020 How I Found A Good Auto Mechanic (4 clicks)
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September 14, 2020 at 11:54 pm ET While my tires were being installed by my local Sunoco they mentioned that both front struts and the left outer tie rod needed to be replaced. I had seen some oil in the right wheel well, so the struts weren’t too far out of the question, but tie rods are a notorious rip off part [...] ... (more) Thursday, September 11, 2020 From The Happy Rock - view blog entries - visit this blog
September 11, 2020 at 11:49 pm ET What was I thinking?
Instead of taking it easy this Labor Day weekend, I ended up helping a friend and his family move into their new place. Normally I wouldn’t help someone move on a holiday weekend, especially when they live 200 miles away from me. But this time was different. [...] ... (more) Tuesday, September 9, 2020 From The Happy Rock - view blog entries - visit this blog
September 9, 2020 at 11:35 pm ET I have learned a thing or two about tires since I had to replace the tires on our 2003 Nissan Murano last year. First, Muranos and by and large most modern cars are equipping larger tires which are more costly. I assume it is for safety and handling purposes, but it sure does hurt [...] ... (more) Do Larger Tires Get Better Gas Mileage? (12 clicks)
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September 9, 2020 at 1:04 am ET Frugal science question of the day.
Do larger tires equate to better gas mileage?
Discuss. Let’s pull out our 8th grade physics and see what we come up with.
Related PostsGovernment Sometimes Save Us Money - Tire Pressure MonitorsBuying Tires From Costco - Great Price + Good ServiceCheaper Than Cheap Tip Of The Week #5 : Save Money [...] ... (more) Saturday, September 6, 2020 DD’s Monthly Expense Checkup - August 2008 (8 clicks)
From The Happy Rock - view blog entries - visit this blog
September 6, 2020 at 12:26 am ET You loyal readers out there will recall that I’m charting my family’s monthly expenses in an effort to see where our money is really being spent. Below are the results from August:
$830.00 - Daycare
$830.00 - Mortgage
$540.99 - Medical Bills
$518.28 - Groceries
$330 - Van Loan
$208.12 - Gas
$203.31 - Misc Household Items
$145.00 - Student Loan
$140.75 - [...] ... (more) Thursday, September 4, 2020 What Is Your Purchase Personality? (4 clicks)
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September 4, 2020 at 12:13 am ET As I struggle to resist the temptation to snag a snack from the vending machine during my ingredient month, I began thinking about how different personalities chose what to eat at vending machine or even at a restaurant. This led me to identify five distinct purchasing personalities. The purchase decision at a vending machine or [...] ... (more) Tuesday, September 2, 2020 From The Happy Rock - view blog entries - visit this blog
September 2, 2020 at 10:26 pm ET The ads are everywhere, you can’t escape them.
No, I’m not talking about political ads, I’m referring to the PSA’s for TV’s, the Big Switch. On Feb 17th, 2009 you’ll only be able to receive digital signal which means that old analog TVs that don’t utilize cable or satellite to get a signal will be [...] ... (more) Monday, September 1, 2020 From The Happy Rock - view blog entries - visit this blog
September 1, 2020 at 11:38 pm ET On the heels of Debt Defier’s commitment to attempt a cash only month I have a food related experiment that I am doing for September. Hopefully, the Debt Defier has better luck with cash only spending than I did.
I will be attempting to buy only ingredients for the whole month of September. I know that [...] ... (more) Saturday, August 30, 2020 Paying with Cash…Does it Save Money? (24 clicks)
From The Happy Rock - view blog entries - visit this blog
August 30, 2020 at 11:10 pm ET The other day when I was prepping for a fantasy football draft, I stumbled upon a video at Yahoo that covered a family who spent only cash for one month. According to the story they saved $1800 (24%) compared to what they normally spent. After I picked my jaw off the floor [...] ... (more) Wednesday, August 27, 2020 Reader Stories - Doing What It Takes (7 clicks)
From The Happy Rock - view blog entries - visit this blog
August 27, 2020 at 11:49 pm ET I love getting emails about the stories of The Happy Rock readers. I wanted to share this particular one because it is a beautiful example of a family banding together focusing on what matters and making it work despite hardship. I thought you would appreciate and connect with it.
While I am not in credit card [...] ... (more) Tuesday, August 26, 2020 Just canceled Netflix…trimming the budget fat (11 clicks)
From The Happy Rock - view blog entries - visit this blog
August 26, 2020 at 8:42 pm ET It was a sad day here at the Debt Defier household. We just canceled our Netflix account. We were already on the lowest plan available, so it’s not really a huge money saver. But as mentioned earlier the little things can add up, especially the ones that are a total [...] ... (more) Monday, August 25, 2020 From The Happy Rock - view blog entries - visit this blog
August 25, 2020 at 10:40 pm ET I recently finished a fiction novel called A Perfect Day by Richard Paul Evans. I am not sure how it got on our bookshelf, but I needed something to read one night and the dust jacket pulled me in enough to start it. I was pleasantly surprised. It isn’t a masterpiece, but it kept my [...] ... (more) Sunday, August 24, 2020 From The Happy Rock - view blog entries - visit this blog
August 24, 2020 at 11:44 pm ET When I last talked about my future plans I mentioned that I contacted two local schools.
A State School where I’d earn a teachers certificate.
A Private School where I’d become a Rad Tech.
Option #1 would take 3-4 semesters. Option #2 would take 3 years. Option #1 would cost about one third of what option [...] ... (more) Friday, August 22, 2020 Interest Free Payments…are they a bad idea? (3 clicks)
From The Happy Rock - view blog entries - visit this blog
August 22, 2020 at 7:31 am ET Just like most of you, I peruse a lot of personal finance blogs. Today I came across one that posed an idea that got me thinking.
Not Made of Money posted a nice piece about not buying stuff with a payment mentality.
I left a comment saying that I totally agreed that its a great idea to [...] ... (more) Thursday, August 21, 2020 A New Stage In My Financial Journey (9 clicks)
From The Happy Rock - view blog entries - visit this blog
August 21, 2020 at 12:15 am ET Like most things in life financial maturity is a journey not a destination. If we are open we will keep changing and broadening our perspective. Recently this has taken the form of questioning my definition the purpose of money. I used to think that the definition of money took on two distinct stages, but I [...] ... (more) Monday, August 18, 2020 From The Happy Rock - view blog entries - visit this blog
August 18, 2020 at 4:24 pm ET I bet lots of you have read Robert Kiyosaki’s, “Rich Dad, Poor Dad” where he talks about the different ways his father and a friend’s father taught him about money. When looking back at my own life I see that I too had different perspectives shown to me.
My parents split up [...] ... (more) Sunday, August 17, 2020 From The Happy Rock - view blog entries - visit this blog
August 17, 2020 at 2:24 pm ET The original filing deadline for the New Jersey(NJ) 2007 Homestead Tax Rebate just passed on Friday August 15th. Fortunately New Jersey extended the Homestead Rebate filing deadline until October 31st 2008.(1)
Homeowners who owned a house in New Jersey before October 1st of the previous year, paid property taxes, and make less than $150,000 AGI are [...] ... (more) Tuesday, August 12, 2020 The little things…starting to trim the budget (13 clicks)
From The Happy Rock - view blog entries - visit this blog
August 12, 2020 at 11:34 pm ET Here in the Debt Defier household it feels like we’ve been wrestling some very big ideas lately. But as you seasoned vets out there can attest, the little things in life matter just as much if not more than the big ones.
This is true in our financial lives too.
Below are a few recent examples [...] ... (more) Friday, August 8, 2020 Total Money Makeover - The Snowball Starts (15 clicks)
From The Happy Rock - view blog entries - visit this blog
August 8, 2020 at 1:10 am ET In part of the interview process I went through to get this cushy gig, I remember being asked what I thought of Dave Ramsey. I had to admit that I heard of him, but that I didn’t really know much about him. I remembered him being featured on “60 Minutes” some years [...] ... (more) Items 26 - 50 of 127
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