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2011 Goals

It’s that time of the year when people make public promises to themselves that last almost as long as the hangover most of them are going to earn tonight, otherwise known as New Year’s Resolutions.

Not a fan.

I am, however a fan of planning out some concrete goals and doing my best to meet them. I do this through a series of 30 day projects. I set a goal that can be reached in 30 days, and push for it. I tend to make my goals fairly aggressive, and I tend to meet them.

Here were my goals and results for 2010:

January: Wake up at 5am AND read to my kids every night before bed. These were easy goals to meet. A year later, I am still getting up much earlier than I ever have, even if it’s not 5AM. I write better late at night than I do early in the morning, anyway. I’m not still reading to my kids every night, but we are making progress on teaching my four-year-old to read.
February: Do 100 push-ups at one time by the end of the month. I accomplished this in 22 days. I also had a secret project that involved doing something sweet for my wife every day. By the end of the month, she was convinced I had done something horrible that I was trying to make up for.
March: Do 100 sit-ups at one time by the end of the month. It took me a week, but I found out how bad sit-ups are for your back. Pure failure.
April: Spring Cleaning. I will declutter every room in my house this month. We missed one room and one closet, but made a lot of charities happy.
May: Have a sit-down dinner with my family, at the dining room table at least 3 times per week. We managed this one and enjoyed it, but we haven’t managed to keep it up. I’ll have to try this again.
June: No computer use, while anyone else in the family is awake, except for household necessities, such as bills. This one worked well and improved the quality of our interaction. I’m not quite this strict about it, but my computer use has gone down dramatically while my family is awake.
July: Write fiction every day. I don’t think I wrote more than a few pages of fiction, but I did write every day.
August: Buy nothing new this month. We came very close to doing this one perfectly. It wasn’t easy.
September: Attempt to learn a new language. Total bomb. I never even got started.
October: No yelling at the kids. Have you ever thought about trying this with a a two-year-old and a four-year-old? We never got started.
November: No complaining. Not at home, not at work. I didn’t make this an actual month, but I’ve been trying to complain much less. I think it’s been working.
December: I will have done 14 projects this year. December is a month off. As planned, I took December off.

So I missed 4 months of projects. This year, I’m going to modify my overall plan and only do 6 projects, every other month. That will give me a month off to either relax or incorporate the goal into my ongoing habits without any stress.

Here are my goals:

January: I’m going to do Tim Ferriss’s Slow-Carb diet. Yes, it’s a fad diet, but it beats the constant stream of garbage I eat now. The basic plan is to avoid anything white; no bread, pasta, rice, potatoes, or sugar. That’s accompanied by a targeted supplement regimen and a timed exercise plan to manipulate my metabolism. I’m not adding any aerobic exercise to my day, because I want this to be as controlled an experiment as possible. If it’s working at the end of the month, I will keep it going. It’s time to not be fat anymore.
March: In February, I managed to get myself able to do 100 pushups in a single set. In March, I hurt my back trying to do the same with sit-ups and that killed my workout habit. This March, I’m going to do the 100 pushups challenge again, but this time, I’m going for perfect pushups. Last year, they got sloppy after about 80. This year, that won’t be good enough.
May: I’m going to do at least 30 days of the Couch to 5k running program. It’s a 9 week program. As a 30 day project, it’s designed to establish the habit. When I tried picking up running last year, my knees were causing problems. Hopefully, my January project will mitigate that this year.
July: I’m going to pick up a new language. This is the failed plan from September 2010. I’ve narrowed it down to either Spanish, Swedish, or Italian. One is useful, one is a part of my heritage, and one is for fun. At the moment, I’m undecided.
September: Undecided. I am leaning towards a “nice” month. 30 days of doing something nice, for someone, somewhere. If I go this route, I’ve got 9 months to plan, because that’s a lot of things to do.
November: Absolutely undecided. Any suggestions?

That’s my plan for the new year. Six specific goals, each lasting 30 days. I could definitely use some help for September and November. Please give me some suggestions in the comments.

Money Problems: 30 Days to Perfect Finances

Welcome to the series, Money Problems: 30 Days to Perfect Finances. The series consists of 30 things you can do, each in one setting, to perfect your finances. It’s not a system to magically make your debt disappear. Instead, it is a path to understanding where you are, where you want to be, and–most importantly–how to bridge the gap.

Day 1: Setting Goals

To start with, we look at 3 questions:

What is your financial goal?
Why?
How can you get there?

Day 2: What’s Going Out?

On day 2, you’re going to find out what you are spending. For most people, this will be a bit of a surprise.

Day 3: What’s Coming In?

For day 3, you’re going to examine exactly how much money you bring in each month and think about how you can make more.

Day 4: Making A Budget

On day 4, you’ll build a basic budget. This doesn’t have to be intimidating.

Day 5: Boosting Your Income

This is the day we really dig into ways to make more money, whether that means getting a raise or finding work on the side. Nothing beats more income for balancing your budget and getting out of debt.

Day 6: Reducing Expenses

Second only to more income, reducing expenses is the best way to save money.

Day 7: Paying Off Debt

If you’ve got debt, you are in interest-slavery. Make that go away!

Day 8: Insurance

On day 8, you’re going to look at the insurance you have and the insurance you need.

Day 9: Health Insurance

On day 9, you’ll spend some time learning about your health insurance options and how to examine what you’ve already got.

Day 10: Debt Insurance

Debt insurance is insurance you pay for that will pay your lender in the event of your death, dismemberment, disfigurement, disembowelment, or unemployment.

The rest is yet to come. Check back often!

Carnival of Personal Finance #307: The Silver Edition

Finance, Misc

This is the 307th Carnival of Personal Finance, the Silver Edition. As of 10:00 PM CDT last night, silver is at $43.76 per ounce. Three years ago, when I last bought silver, it was at $11.30. In honor of that, and inspired by my first editor’s pick below, I’m going to share some facts and history about silver.

The last time prices rose like this was in 1979, when the Hunt brothers bought or controlled close to 50% of the world’s silver. They managed it by leveraging their silver hoard. As they bought more, prices went up, increasing the value of their hoard, which they then used as collateral for more loans to buy more silver, which caused the prices to go up so they’d use it as collateral…. You get the idea. Prices went from $11 per ounce to $50 per ounce in less than a year, before the regulators figured out the game and changed the rules, bringing the whole thing crashing down. The resulting losses and lawsuits bankrupted the former billionaires within 10 years.

Editor’s Picks:

First, we have a post from Squirrelers, Is There a Silver Bubble? How High Can Prices Go?. This post reminded me of not only the Hunt brothers story, but the small box of silver I own. Now, I’m debating taking it to a precious metals dealer and cashing out for 400% of my purchase price.

Suba from Wealth Informatics brought Never Pay full price : How to save 10-50% on every purchase. This was entirely new to me, which surprised me. I see a lot of ideas presented in new ways, but rarely see something I know absolutely nothing about.

If you’ve got legal papers you need to fill out, or questions you need answered, you could do far worse than to start with the site Jeff Rose from Good Financial Cents gives us with 7 Free and Cheap Online Legal Resources. If you think you don’t need the resources, that means you a complete estate plan, right? You have a will?

Saving

Dimes, quarters, and half-dollars were 90% silver until 1964. Half-dollars continued to be 40% silver until 1971. At that time, the government tightly controlled the price of silver and kept it at $1.29 per ounce so the face value of the coins matched the value of silver they contained. Today, a supply of 90% silver coins with a face value of $5 can be had for the bargain price of $173.74.

Fanny from Living Richly on a Budget – Personal Budget Blog presents How to Build the Crucial $1,000 Emergency Fund, and says, “How do you finance unexpected personal expenses, such as car repairs, medical visits, home maintenance repairs, etc? The most effective way to finance these expenses is through a personal emergency fund.”

Flexo from ConsumerismCommentary presents Silent Inflation is Destroying Your Net Worth, and says, “Inflation continues to deflate individuals net worth and there are no signs of it getting any better.”

Adam Piplica from Magical Penny presents Avoid Hitting the Rocks of Financial Ruin, and says, “This post draws on a famous story in Homer’s Oddessey how a captain made it safely passed the Sirens because he had protected himself from making a poor short-term decision. It’s exactly the same thing you have to do if you want to grow your pennies.”

Clint from Accumulating Money presents Baby-Boomer Generation Must Get Serious About Planning for Retirement, and says, “The “Baby-Boomer” generation has undergone two severe business-cycle reversals in the past ten years alone. Many of these fifty and sixty year-olds are now facing a daunting task – how do you rebuild your net worth in so short a remaining time period?”

Jason from One Money Design presents Planting a Garden to Save Money, and says, “As Spring is here, planting a garden is a great way to help feed your family and save some money at the same time.”

Career

Silver is almost always found with lead. Through most of history, mining silver meant mining lead and breathing lead dust. In the ancient world, silver miners had a life span of about 3 years, so free men refused the job. This was a slave occupation.

Crystal from Budgeting in the Fun Stuff presents Job Experience – Don’t Rock The Boat, and says, “Being young and ambitious may seem like the best thing in the world but knowing your audience and environment is very important. You don’t want to come off as the young new hothead…here’s a story all about exactly that.”

Well Heeled Blog from Well Heeled Blog presents 5 Ways to Spend Your Raise, and says, “Congratulations, you got a raise! Now what? Now, what to do about this extra money? No matter what, don’t want to fritter this raise away. Here are 5 ways for the extra money to work hard for you. ”

Kathryn @ Financial Highway from Financial Highway presents 30 Common Interview Questions and How to Answer Them, and says, “This guide not only tells you what the interview questions are but also provides insight into what the interviewer is really asking and what types of answers will help you get the job.”

Credit

Around 500 BC, Athenians discovered a huge silver mine on land belonging the city-state. This find was used to finance building their first effective navy, which catapulted them to the heights of power they achieved.

Craig Ford from Money Help for Christians presents Best Ways to Maximize Cash, Credit Card, and Debit Card Rewards, and says, “How to maximize your credit cards or debit card rewards.”

Tim Chen from NerdWallet Credit Card Watch presents Premium Credit Cards: The Value Beyond the Cost, and says, “A premium credit card is a step above your average card: better rewards and extra perks offered at, well, a premium. These exclusive credit cards come with additional goodies like lounge access and free plane tickets, as well as hefty annual fees.”

Kevin (for Moolanomy) from Moolanomy presents How to Avoid Credit Cards and Credit Repair Scams, and says, “Credit cards don’t have to be a bad thing, but they definitely have their fair share of scams out there. Here’s how to avoid them.”

Real Estate

In World of Warcraft, silver is a rare spawn of tin. If you want to find silver, you should try mining tin. Over and over. (Source)

Mike from Green Panda Treehouse presents How Much Should We Spend on Housing?, and says, “How much is the right amount for housing costs?”

Ben from Money Smart Life presents How to Use a Mortgage Calculator to Compare Home Loans, and says, “A post about how to use a mortgage calculator to screen and compare the rates and costs of home loans.”

Frugality

The early discovery that water, wine, milk and vinegar stayed pure longer in silver vessels, led to its desirability as a container for long voyages. Herodotus wrote that Cyrus the Great, King of Persia, a man of vision who established a board of health and a medical dispensary for his citizens, had water drawn from a special stream, “boiled, and very many four wheeled wagons drawn by mules carry it in silver vessels, following the king wheresoever he goes at any time.” (Source)

Donna Freedman from Surviving and Thriving presents This isn’t your grandparents’ recession, and says, “When the going gets tough, it’s tempting to invoke our grandparents and their tribulations during the Great Depression. But some of their advice wouldn’t help us. ”

Glen Craig from Parenting Family Money presents Inexpensive (Cheap) Date Night Ideas for Parents, and says, “It’s tough getting out with the spouse when you have kids. With babysitting and the date it can get expensive. See some inexpensive date night ideas and how you can save on babysitting as well.”

Finance

From 1998 to 2009, Bernard von NotHaus marketed the Liberty Dollar as an alternative to U.S. government fiat currency. Liberty Dollars were made from silver and later, gold and copper. von NotHaus was later convicted of–among other things–counterfeiting coins, even though he only produced his own coinage and didn’t pretend it was the same thing.

N.W. Journey from Net Worth Journey presents What is Compound Interest?, and says, “A basic introduction to compound interest.”

Bret from Hope to Prosper presents Age 21: A Year of Change and Humility, and says, “The year I turned 21 was the most tumultuous of my life. In many ways, that one year shaped my life more than any other and determined the direction of my future.”

Economy

Colloidal silver is claimed to be a near-magical cure-all. Its proponents claim it has the ability to “benefit the immune system; kill disease-causing agents such as bacteria, viruses, and fungi; serve as an alternative to prescription antibiotics; or treat diseases such as cancer, HIV/AIDS, diabetes, tuberculosis, syphilis, scarlet fever, shingles, herpes, pneumonia, and prostatitis (inflammation of the prostate).” Scientific evidence for any of this: none. (Source)

Money Beagle from Money Beagle presents The Economy Must Be Improving, and says, “I don’t need a government report to show me that the economy is improving; I look no further than the latest coupon offerings from local restaurants!”

Darwin’s Money from Darwin’s Money presents Stop Complaining About Gas Prices, and says, “Americans are complaining about prices at the pump. I say “Stop Complaining and Look in the Mirror”. Here are some very rational reasons and real solutions.”

Investing

The best method of storing silver is in bullet form. When the werewolves attack, none of us will have long to fight back.

Mike from The Dividend Guy Blog presents 7 Deadly Sins of Investments, and says, “Are you making these mistakes with investing?”

Mike Piper from Oblivious Investor presents Replacing Index Funds in Your Portfolio, and says, “For the most cost conscious of investors, it might make sense to build a portfolio of individual securities rather than index funds.”

RJ Weiss from Gen Y Wealth presents How to Convert a 401(k) to Traditional or Roth IRA, and says, “Reviewing your options with your 401(k) when leaving or changing jobs. More specifically, to look at the steps to convert your 401K(k) to an IRA, since this is most likely the optimal choice.”

Michael from DoughRoller presents How Half a Percent Can Ruin Your Retirement, and says, “Investing for retirement is crucial to securing your financial future. Make sure to find the best interest rates available, as even half a percent can ruin your retirement aspirations. ”

Money Management

I had a silver ring in my septum for almost 10 years and, in fact, still maintain the piercing, but it’s usually empty.

Cathy Moran from Money Health Central presents An Alternate Truth About Financial Literacy, and says, “Financial literacy is grounded in understanding bigger truths about money, not in acting on those truths.”

Kara from Frugal In My Forties presents Worst Money Lessons My Family Taught Me, and says, “My parents had great financial skills: Unfortunately they weren’t really great about passing them on to their children. These are the 4 big things that I think they should have done differently!”

Mike from The Financial Blogger presents Teaching Finance In High School, and says, “A look at getting finance across at the high school level.”

Eric from Narrow Bridge Finance presents How Your Insurance Rates are Calculated, and says, “Ever wonder how insurance companies determine your monthly rates? Find out what you need to know here.”

FMF from Free Money Finance presents How Millionaires Become Millionaires, and says, “Many people mistakenly think that most millionaires have their wealth handed to them from either their relatives or some stroke of luck (like winning the lottery, being gifted with amazing abilities/talent, etc.) This is completely false. Most people with over seven-figure wealth got it the old-fashioned way, they earned it.”

Matt Bell from Matt About Money presents Money Lessons From the Royal Wedding, and says, “Amid all the royal wedding hoopla, did you notice what Prince William and his fiancée, Kate Middleton, asked for in terms of wedding gifts? Since this is one couple that truly does have everything, they asked anyone wanting to get them a gift to consider making a donation instead. For all of us commoners, there are two lessons we can learn from the royal couple’s philanthropic mindset.”

Debt

Sterling silver is 92.5% silver and 7.5% other, usually copper. Pure silver is too soft for most applications. It is, however, the most optically reflective element.

Jacob Irwin from My Personal Finance Journey presents Helping A Friend Get Out of Debt – Part 3 – Cut Your Interest Rates In Half, and says, “A look at the steps my friend and I took to get his credit card interest rates lowered, and how you can too!”

Junior Boomer from Consumer Boomer presents Top 5 Bankruptcy Myths Dispelled For You, and says, “For those who have been considering bankruptcy, but are concerned about the overall impact it could have on their financial future, we are going to break a few myths.”

Other

Silver fulminate is an explosive, ionic, fulminic acid salt of silver. Yes, silver goes boom.

Echo from Boomer & Echo presents Assessing Your Estate Plan, and says, “Before making an appointment with your lawyer take some time to assess your situation and review your estate plan.”

Sustainable PF from Sustainable Personal Finance presents Eight Favourite Blogs, and says, “There are some awesome PF blogs out there and these are 8 you shouldn’t miss!”

Nicole from Nicole and Maggie: Grumpy Rumblings presents Dissecting an emergency room bill, and says, “Nicole and Maggie discuss how a recent bead up a preschool nose cost one of them $1400. (Actually $1700– a additional bill just came.)”

Tom Drake from Canadian Finance Blog presents The new breed of financial bloggers: Young, frugal and vocal, and says, “I’ve discovered a lot of young bloggers who do care about personal finance. Young bloggers can fill a void in financial education for young people.”

Tom from Stupid Cents presents What Is Term Life Insurance?, and says, “Life insurance is important for everyone but it can be expensive. That is where term life insurance can be the most helpful.”

Philip from PT Money: Personal Finance presents How to Pick a College that Suits You, and says, “Financial and other considerations when deciding on a college.”

That’s it. If you enjoyed this little journey through silver, please take a moment to subscribe to Live Real, Now.

Resolutions That Don’t Suck

Finance

I’m not a huge fan of New Year’s resolutions. Generally speaking, if you don’t have the willpower to do something any other time of the year, you probably won’t grow that willpower just because the last number on the calendar changed.

Seriously, if you’ve got something worth changing, change it right away, don’t wait for a special day.

That said, this is the time of the year that many people choose to try to improve…something. Some people try to lose weight, other people quit shooting meth into their eyeballs, yet others(the ones I’m going to talk about) decide it’s time to get out of debt.

Now most people are going to throw out some huge and worthless goals like:

I need to lose some weight.
I need to save more.
I need to be a better person.
I need to shoot less meth into my eyeball.

The problem with goals like that is the definitions. What is “some”, “more”, “better”, or “less”? How do you know when you’ve won.

It’s better to take on smaller goals that have real definitions.

Try these:

I’m going to lose 20 pounds.
I’m going to save $1200.
I need to stop locking my children in the closet when I go to the movies.
I am never ever going to shoot meth into my eyeball again.

But Jason, I hear you saying, where am I going to find $1000 to save? Well, Dear Reader, I’m glad you asked. Next time though, could you ask in a way that others can hear so my wife doesn’t feel the need to call the nice men in the white coats again?

Let’s break that goal down even further.

Instead of saving $1200, let’s call it $100 per month. That’s a bite-sized goal. Some people don’t even have that to spare, so what can they do?

Let’s make that resolution something like “I’m going to have frozen pizza instead of my regular weekly delivery.” If your house is anything like mine, that brings a $60 pizza bill down to $15 for some good frozen pizza for a savings of $45. If you order pizza once a week, that’s $180 saved each month, double your goal. That’s a win with very little suffering.

Now, you can take that extra $80 that you hadn’t even planned for and throw it at your credit cards. That’s a free payment every month. Before you know it, you’ll have your cards paid off and a decent savings account.

Then you can thank me because I made it all possible.

How Refinancing Your Student Loans Can Save You Thousands

Finance

Students who graduated college in 2015 were said to have graduated with an estimated $35,000 in student loan debt. Of course, some students will have less and some more depending on what you did throughout your time in college. Either way, it is a lot of money and money that must be paid back whether you want to or not.

Student loan refinancing is an available option for many students and it will provide them with some of the relief they need financially. Did you know that refinancing your student loans can save you thousands of dollars? It’s okay if you didn’t – I will show you just how it can save you money and ease the strain on your budget.

Student Loan Refinancing: What the Heck Is It?

Before you can apply for refinancing, you need to understand what it is. When you refinance your student loan, your new lender will pay off your old loans and gives you a new loan with updated terms and rates.

Most student loan refinancing is done through a private lender, which means that there may be eligibility requirements that need to be met before you can actually go through with the refinancing.

How Can Refinancing Save Me Thousands?

There are a couple of different ways that refinancing can help save you thousands. First and foremost, you will receive a new interest rate. The rate itself will often vary depending on your situation, but usually falls somewhere between 2-5% for most students. The jump from a 6-8% interest rate to a 2-5% interest rate it immense. Let’s take a look.

For example, if you have a student loan balance of $25,000 at a 6.5% interest rate and your term is 10 years, you will pay a total of $9,065 in interest over the course of the term. Now, if we change the interest rate down to 3.5%, you will only pay $4,665 in interest payments over the course of the 10 years. That is a savings of $4,400!

The second way that you can save thousands is by adjusting the length of your payback period. Often times, the default is set at 10 years, but students often extend it out to 20 or 25 years. This will increase the amount you pay in the long run because you now need to pay interest over that extended period.

When you refinance your student loans, you are able to shorten the term of your loan, which means you pay thousands less because you do not have to continue to pay interest over the extended length of the loan.

Final Thoughts on Student Loan Refinancing

Student loan refinancing is a great option for students looking to destroy their debt, but it is not always an option for everyone. You do need to qualify, which means you need a good credit score or a cosigner with a good credit score. Refinancing your student loans can help save you thousands of dollars over time, so if you do have the option to do it, you should.

Money Problems – Day 5: Boosting Your Income

Finance

Pizza Delivery Bike — Image by Kevin H. via Flickr

Today, I am continuing the series, Money Problems: 30 Days to Perfect Finances. The series will consist of 30 things you can do in one setting to perfect your finances. It’s not a system to magically make your debt disappear. Instead, it is a path to understanding where you are, where you want to be, and–most importantly–how to bridge the gap.

I’m not running the series in 30 consecutive days. That’s not my schedule. Also, I think that talking about the same thing for 30 days straight will bore both of us. Instead, it will run roughly once a week. To make sure you don’t miss a post, please take a moment to subscribe, either by email or rss.

Today we’re going to look at ways to boost your income.

People spend a lot of time talking about ways to reduce your expenses, but there is a better way to make ends meet. If you make more money, you will—naturally—have more money to work with, which will make it easier to balance your expenses. I’ve found it to be far less painful to make more money than to cut expenses I enjoy.

I can hear what you’re thinking. It’s easy to tell people to make more money, but what about telling them how? Guess what? I’m going to tell you how to make money because I rock.

By far, the simplest way to make more money is to convince whoever is paying you to pay you more for what you are already doing. In other words, get a raise. I know that’s easy to say. Money’s tight for a lot of companies and layoffs are common. None of that matters. Your company knows that hiring someone new will involve a lot of downtime during training. If you’ve been visibly doing your job, and the company isn’t on the brink of failure, it should be possible to get a bit of the budget tossed your way.

The first thing you need to do is get visible. If you habitually come in 15 minutes late, make it 15 minutes early. If you are working an alternative schedule, consider switching to the standard schedule, so everyone who matters can see you are at work. Start sending status updates to your boss, including copying him on emails to other people you work with, if those emails signify important milestones in a project.
Next, log your work. Keep track o what you do, what you’ve accomplished, and—most important—how much money you have made or saved for the company.
Third, do your research. Hit the salary survey sites to find out what other people in your field are making. Don’t worry if you are on the high side. There is always someone making more than you. If you are the exception to that rule, try using a similar variation of your job description and title. What’s the concrete difference between a software engineer I and and a software engineer II? About $15000.
Finally, schedule a meeting with your boss and ask. Lay out the things you’ve done, the amount you make for the company and what other companies are paying. Chances are, your boss will have a hard time refusing your request.

Another simple idea is to get a second job. Personally, I hate this idea, but it works wonders for some people. Gas stations and pizza stores offer flexible schedules and they are always hiring. If they aren’t willing to work with your schedule, or it doesn’t work out, you can always quit. This isn’t your main income, after all.

My favorite option is to create a new income stream. What can you do?

Take a piece of paper and a close friend and brainstorm how you can make some money. Write down every type of activity you have ever done or ever wanted to do. Then write down everything you can think of that other people who do those activities need or want. Remember, during a brainstorming session, there are no stupid ideas. Take those two lists and see if there is any product or service you can provide.

You can start a blog—although don’t expect to generate much money early—or try writing for some revenue-sharing article web sites, like hubpages or squidoo. Other options include affiliate marketing, garage sale arbitrage(buying “junk” at garage sales, fixing it up and selling it), or even doing yard work for other people.

One interesting business I’ve seen lately is a traveling poop-scooper. These people travel around and scoop poop out of ddog-owners’ yards. Business booms in the spring when the snow melts, but it can be an ongoing income, since dogs don’t stop pooping.

Raising your income can make it easier to pay your bills, pay off your debt, or even taking nice vacations. How have you made some extra cash?

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