- Bad. My 3yr old knows how the Nationwide commercial ends…including the agent's name. Too much TV. #
- RT @MoneyCrashers: Money Crashers 2010 New Year Giveaway Bash – $9,100 in Cash and Amazing Prizes http://bt.io/DZMa #
- Watching the horrible offspring of Rube Goldberg and the Grim Reaper: The Final Destination. #
- Here's hoping the franchise is dead: #TheFinalDestination #
- Wow. Win7 has the ability to auto-hibernate in the middle of installing updates. So much for doing that when I leave for the day. #
- This is horribly true: Spending Other People's Money by @thefinancebuff http://is.gd/75Xv2 #
- RT @hughdeburgh: "You can end half your troubles immediately by no longer permitting people to tell you what you want." ~ Vernon Howard #
- RT @BSimple: The most important thing about goals is having one. Geoffry F. Abert #
- RT @fcn: "You have enemies? Good. That means you've stood up for something, sometime in your life." — Winston Churchill #
- RT @FrugalYankee: FRUGAL TIP: Who knew? Cold water & salt will get rid of onion smell on hands. More @ http://bit.ly/WkZsm #
- Please take a moment and vote for me. (4 Ways to Flog the Inner Impulse Shopper) http://su.pr/2flOLY #
- RT @mymoneyshrugged: #SOTU 2011 budget freeze "like announcing a diet after winning a pie-eating contest" (Michael Steel). (via @LesLafave) #
- RT @FrugalBonVivant: $2 – $25 gift certificates from Restaurant.com (promo code BONUS) http://bit.ly/9mMjLR #
- A fully-skilled clone would be helpful this week. #
- @krystalatwork What do you value more, the groom's friendship or the bride's lack of it?Her feelings won't change if you stay home.His might in reply to krystalatwork #
- I ♥ RetailMeNot.com – simply retweet for the chance to win an Apple iPad from @retailmenot – http://bit.ly/retailmenot #
- Did a baseline test for February's 30 Day Project: 20 pushups in a set. Not great, but not terrible. Only need to add 80 to that nxt month #
Saturday Roundup
- Image via Wikipedia
Don’t miss a thing! Please take a moment to subscribe to Live Real, Now by email.
This week has been terribly busy. I can’t tell you how happy I am for a 3 day weekend. Right now, the 2 week queue of posts I had before I went on vacation is gone. Have a good weekend!
The Best Posts of the Week:
200 year-old, chilled beer found. That’s a party.
Follow your dreams and eff the haters. There’s a life lesson there.
Affiliate marketing basics by Chris Brogan. There’s definitely more than one way to skin the “make money online“(affiliate link) cat.
One of the first things we’re going to save for after we get out of debt is Lasik. Is it worth it?
Finally, a list of the carnivals I’ve participated in:
Crystal included me in the Carnival of Personal Finance with Bonding Relationships.
8 painless ways to save money was included in the Yakezie Carnival.
Work at Home Scams was included in the Festival of Frugality.
If I missed a carnival, please let me know. Thanks to those who have included me!
Saturday Roundup
First, the shameless self-promotion:
If you want to see the glorious wisdom that is my Twitter feed, follow me on Twitter. I’m @LiveRealNow.
Please take a moment to subscribe to Live Real, Now by email. You get a choice between having all of the posts delivered to your inbox, or just occasional updates and deals. Both options get my Budget Lessons, free of charge, including exclusive access to articles that are not published anywhere else. Woo!
If you prefer to get all of you information and interaction on Facebook, become a fan!
And of course, there is always the wonderful RSS subscription.
The Best Posts of the Week:
- Cover of Monster Hunter International
Give the gift of kidneys so that Larry Correia can murder you for charity. Larry is the author of Monster Hunter International and Monster Hunter: Vendetta. Both books are excellent mind-candy, if you like explosions and monsters that, well, explode. Save a life and get murdered at the same time. Who could ask for more?
A V-8 only insinuates virility; multiple child seats prove it. With a title like this, and multiple car seats in my car, I have to include the post.
And finally, here are some tips to save time with email: Email Sucks.
Finally, a list of the carnivals and blogs I’ve participated in:
Dustin at Engaged Marriage was kind enough to run my guest post: Arguing Fairly with your Spouse.
I was included in the Carnival of Personal Finance with Check Your Bills.
Repair Plans, Appliances, and Rancid Meat…Oh, My! was included in the Carnival of Money Stories.
Selling Your Home: The Real Estate Agent was included in the Festival of Frugality.
If I missed a carnival, please let me know. Thanks to those who have included me!
Five Ways to Save Money On Cable
Cable is a luxury. There are very few people out there who can actually and legitimately consider cable television to be a necessity of life. For the rest of us, it’s just something that’s nice to have. Unfortunately, it’s expensive. In my area, prices come as high as $90 plus tax, and that’s not including any of the fancy channels that could feed my True Blood addiction. If you start adding on channels, you can get up to $250 per month.
That’s a lot of cash.
Cutting back on cable TV is one of the easiest ways to get your spending under control. Here are 5 ways to make it happen.
1. Ditch it
Do you really need cable at all? How much of your life do you waste in front of the TV? This wouldn’t work well in my house. We enjoy too many shows, and a lack of TV aggravates my insomnia. When I wake up at 2AM, I need something mindless to distract me while I fall back asleep.
2. Netflix Instant
I love my Netflix. With Instant, as long as you aren’t too hooked on watching the latest show as it comes out, you can catch most of the show you enjoy. There are thousands of TV series to choose from. I make a habit of choosing a couple of shows at a time, and watching the entire series before moving on. This does have the drawback of leaving you a couple of seasons behind for some shows, like In Plain Sight. Grr.
3. Go basic
If you do need TV, do you need the extended cable-only channels? Can you get by with basic cable, and just get the shows that would be otherwise broadcast? That’s what we did. This, combined with #2, make TV cheap and easy.
4. All internet
Did you know that you can use a Roku box to get Netflix Instant, Hulu Plus, Crackle, and more? I have more channels available there than I’ve ever had on cable. Starting at $50, it’s a steal.
5. Drop the fancy channels
HBO, Skinimax, and Showtime are pure unnecessary luxuries. Save yourself some money and buy each series on DVD as they come out. If you buy one a month, you’ll still come out ahead.
I’m not about to tell you that cable is evil or that TV is rotting your brain. I enjoy my rot, and you should be able to do so, too. Try not to waste extra money doing it.
How do you save money on TV?
Saturday Roundup and Updates
- Image via Wikipedia
I’ve decided to do away with the Twitter posts on Saturdays. If you want to see the glorious wisdom that is my Twitter feed, follow me on Twitter. I’m @LiveRealNow.
Please take a moment to subscribe to Live Real, Now by email. You get a choice between having all of the posts delivered to your inbox, or just occasional updates and deals. Both options get my Budget Lessons, free of charge.
Now, for the part you’ve all been waiting for…
The Best Posts of the Week!
Tim Ferris is giving away a trip to anywhere in the world. All you have to do is donate to his preferred charity for his birthday!
A Mirrored Memory reminds us that nobody feels old in their heart.
A law for everything and everything is a law? Why can’t people just accept occasional discomfort or unpleasantness in exchange for freedom?
My wife hates sweet potatoes. Well, she did until I introduced her to sweet-potato fries. I wonder if I can get her to try this recipe? It’s missing marshmallows, though. That’s a definite culinary failure when it comes to sweet-potatoes.
The University of Georgia is offering a free home-study food-preservation course.
Carnivals I’ve particpated in:
The Carnival of Personal Finance at NerdWallet has included Beat the Check.
The Festival of Frugality at Modern Tightwad has included The 10-Step Saving Action Plan.
Should Pupils Focus on Personal Finance?
When I was younger, my dad was always trying to teach me the value of money but he never really succeeded and it took a series of monetary mishaps before I even started to learn any of the lessons that he had been trying to teach me!
Once I realized that I had been horribly mismanaging my finances, a painful lesson to learn, especially on the back of a redundancy, I began to do some research to find out exactly where I had gone wrong and what I could do to put things right.
It was at this point that it occurred to me that I knew absolutely nothing about personal finance and I couldn’t tell an ISA from a current account.
I also began to wonder if I had been taught these lessons at an early age then would I have made better financial decisions once I started earning?
For example, my outlook on personal finance was all about borrowing and not saving and I had no idea what my credit score was or how it was calculated.
Had I known that it could be affected by simply being close to the limits on my current lending streams or by applying for more credit then I may not have been so quick to spend on credit cards.
Although this was not a problem during the credit boom, when offers of guaranteed credit seemed to drop through my door on a daily basis, it has become something of an issue since the credit crunch.
Of course, just knowing the pitfalls of financial mismanagement is no guarantee that I would have done things any differently but it certainly would have made me think about the decisions I was making and the impact they would have in the long run.
All of which led me wonder whether should schools give students (or pupils if you’re in the UK) lessons in personal finance.
I think it would be a great idea as this would be something that everyone, no matter what their level of academic ability, could take with them into the real world.
And it could be the case that a school in the US is one step ahead of the rest as they already have money management lessons as part of the curriculum.
Burbank High School in Sacramento is offering students lessons in personal finance as part of National Financial Literacy Month in an effort to raise awareness of the importance of good practice in personal finance.
The lessons covered personal finance topics such as budgeting, saving and needs vs. wants and placed them into real life scenarios that would resonate with the students, such as estimating how much the senior prom will cost and ways to save and pay for it.
Students were also encouraged to put a portion of any weekly earnings or allowance into a savings account to teach them the importance of saving for the future from an early age.
I think that these were the values that my dad was trying to instill in me from an early age but I failed to take any notice.
I now have two sons that I have to try and keep from making the same mistakes that I made, so any help I can get will be greatly appreciated…here’s to future school pupils focusing on personal finance!
Article written by Moneysupermarket.com
