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Personal Finance, Canine-Style

No matter how many excellent books you read, or how many experts you consult, sometimes the best advice comes from beast out fertilizing my yard. My dog is pretty smart. At middle-age, she’s got no debt, no stress, and no possibility of being fired. I asked her what her secrets are, and she gave me 5 [...]

Evil Interest

Everybody with a savings account or almost any form of debt has at least a passing familiarity with interest. How many of you actually know what it is, or even how much you are actually paying?

Debt

First, some definitions.

Principal is the term used for the amount of money you have borrowed.

Interest is the rent you [...]

How Banks Work

On the first and the fifteenth of every month, my paycheck is deposited into my bank account. Some fraction of it is saved, while another(larger) fraction is spent. They put the money in a vault and protect it from being stolen. Anything I manage to save and anything I haven’t managed to spend yet, will build [...]

It's My Fault So Stop Me Now

One of my biggest problems with maintaining a goal is follow-through. Three weeks or six months into pursuing a goal, it becomes incredibly easy to rationalize setbacks. If my back hurts, it’s easy to skip some sit-ups. If a custom knife maker offers me a good deal, it’s easy to drop a significant part of my [...]