Finance

Credit Counseling: Swimming Out of the Mess

I once read a news story about a horse that slipped into a manure pit. Some people-much like the unfortunate horse-are up to their necks in a mess, paddling for all they’re worth, wondering how to get out and panicking about the apparent hopelessness of their situation. The mess I’m referring to is-of course-debt. Fortunately,…

Cutting Costs While Cutting Hair

About once per quarter, my wife and I have a…I won’t call it a fight. It’s more like she-comes-home-looking-stunning-while-I-make-disapproving-grunting-sounds-while-giving-the-checkbook-dirty-looks. I hate salons. $80 for highlights, $30 for a haircut and $15 for eyebrow “shaping”. It’s an afternoon of chemicals and hot-wax torture, for the low, low price of $125 + tip. Frugal it’s not,…

Time vs Money

In this corner, weighing in at the only thing you have in this life that you can’t possibly get more of: Time! And in this corner, weighing in at the thing people think they need to be happy: Money! Keep it clean. No biting, scratching or hitting your opponents with a chair unless my back…

3 Worst Things About Being Financially Responsible

Everybody talks about all of the wonderful things that happen when you’re saving money and being responsible. I know I do. It’s true, good things do happen. There’s really nothing like the feeling that you’re suddenly not living paycheck to paycheck. But what about the other side of the coin? What…