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Disclosure
I’m not terribly commercial, but I do enjoy making money.
As such, it is safe to assume that any company, entity, corporation, person, place, thing, or other that has a product, service, post, or link has in some way compensated me for said product, service, post or link. That compensation–direct or indirect–may be in the form of money, swag, free trips, gold bullion, smurf collectibles, super-models, or just warm-fuzzies. That list is NOT in order of preferred method of compensation.
To reiterate: If it’s commercial, and it’s here, I’m probably being paid for it.
Carnival Roundup
Live Real, Now was included in the following carnivals recently:
Yakezie Carnival hosted by Consumer FU
Finance Carnival for Young Adults hosted by PF Carny
Carnival of Money Pros hosted by Savvy Scot
Carnival of Retirement #63 hosted by Midlife Finances
Yakezie Carnival hosted by Thirty Six Months
Carnival of Money Pros hosted by Making Sense of Cents
Carnival of Financial Independence #7 hosted by Reach Financial Independence
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Charlie Hunnam and the Success of 50 Shades of Grey
It looks like actor Charlie Hunnam is all set to cash in on the biggest romance novel of the decade. He is set to play the lead role of Christian Grey in the film adaptation of the salacious hit novel 50 Shades of Grey directed by Sam Taylor-Johnson.
Charlie Hunnam, with his English good looks and charm, will definitely make the fantasies of so many women into a reality. Born in Newcastle-upon-Tyne in 1980, Hunnam is already well known in the UK for his portrayal of Nathan Maloney in the television show Queer as Folk. He is also fresh off his recent role in the summer blockbuster Pacific Rim. Now, he will delve into the alternative, sexy, and edgy role of Christian Grey, the hero of the novels written by E.L. James.
With 70 million copies of the BDSM-themed trilogy sold around the world, even the novels themselves are a runaway success. Hunnam himself stands to make quite a bit of money off the film adaptation. If the initial film is a success on the level of Twilight, then Hunnam could easily become an A-list actor in Hollywood, which would boost the amount of money he earns per film. If the novels continue to be adapted into films, then he will be set for at least another few years. Who wouldn’t feel comfortable knowing they were starring in a saucy summer film that would be a guaranteed blockbuster? However, Hunnam didn’t jump straight away to become Christian Grey – he turned down the role at first, but then reconsidered it later. If the buzz surrounding the film means anything, then it’s a good thing that Hunnam changed his mind!
Production work on the film will begin in October 2013, and a release date has been scheduled for August 1st, 2014. With the recent announcement of the lead actors, the excitement is building, and it doesn’t seem like it will die down any time soon. It looks as if 50 Shades of Grey will be a wise career move for Charlie Hunnam as a well as a great way to boost his annual salary.
Ditch Cable and Still Enjoy TV
- Image via Wikipedia
Cable is expensive. If you have more than just basic cable, you are probably paying at least $65 per month or more, just for TV. How can you save on television, without stealing cable?
The good news is that, in the internet age, it is possible to fully enjoy TV without having to pay exorbitant fees to the cable company.
Basic Cable
Basic cable generally runs about $15 per month, but it usually comes with a $10 per month discount on internet access if you use cable for that. For $5 per month, you can get all of the local broadcast channels, including the news and weather, which we use in the morning while getting ready for work.
Netflix
We watch movies. We watch lots of movies. Spending $14 per month for an unlimited 2-at-a-time plan is a no-brainer for us. It has also enabled us to scratch the movie itch without resorting to HBO or incessant movie purchases, which used to run $100+ each month. When you include Netflix instant in the equation, which gives us a ton of older movies to choose from at a moment’s notice, we are more than covered for our movie obsession.
Hulu
Hulu.com has a metric crapload of TV shows and movies available for free. They are moving towards a partial pay model, but most of their content will still be free. But, you don’t want to crowd your family around a 15-inch laptop screen to watch something, you say? Fine. We went to our local computer parts store and bought cables and converters to go from the video-out and headphone jacks on the laptop to the inputs on our VCR. That cost about $30 for 2 extension cords and 2 converters. We use the analog outputs, which allows for cheaper converters. The quality after conversion is no worse than watching a movie in the VCR.
TiVo
TiVo comes with a Video-On-Demand(VOD) section, if you connect it to the internet. It’s mostly free, with hundreds of channels to choose from, ranging from trailers to full shows and movies. I have a season pass to TEDTalks, which are always impressive and usually inspirational. There are many more channels to choose from.
Torrent
I’m kidding. I’m not advocate piracy. This is just search-engine bait.
As you can see, it’s entirely possible to save money on cable, without missing out on anything you care about. How do you save money on TV and movies?
My Credit Cards
This announcement is a bit premature, but not everything that’s premature has to end in an evening of disappointment.
At the beginning of the year, I transferred the balance of my last credit card onto two different cards, each with a 0% interest rate. One card got a $4,000 transfer and the other got $13,850. The approximately $415 in fees I paid for the transfer saved me nearly $1500 in interest this year.
The card that got the big balance is the card we use for a lot of our daily spending. On my statement dated 2/18/2012, the balance on the this card was $14,865.23. At the same time, the smaller card had a balance of $3,925.09, for a total of $18,790.32. When I started my debt-murder journey in April 2009, it had peaked at just under $30,000.
When my payments clear later today, that balance will be gone.
That is nearly $19,000 paid down in 8 months.
Now, the inheritance we picked up did accelerate our repayment a bit, but only by a few months.
Starting from $90,394.70 in April 2009, we have paid down $63,746.70, leaving $26,648.00 on our mortgage.
I’m more than a little excited, which–as usual–is the cause for the prematurity.
New goal: pay off the mortgage in 2013.
