8 Ways We’ve Saved Money in the Last 8 Days

Every day most of us pursue opportunities to save money. The things listed below are really good ideas, and I think you should try them, too.  Other ideas are simply silly, but still things I do. 1.  I shaved with an electric razor and a blade razor. I love the feel of a blade razor.  I don’t know if my face is broken or what, but electric razors never seem to get a close enough shave.  … [Read more...]

Cash Back Debit Card | How to Get More Cash Back with PerkStreet Financial (Limited Time Offer)

Editor's Note: This post was updated Oct5th, 2010 at 7:00 p.m. EST to clarify some details I misunderstood about the PerkStreet Financial holiday promotion. For the last several months I’ve been hearing about PerkStreet Financial and their cash back debit card. My first reaction – what?! A bank that encourages you to spend, not save! Then I realized that we spend money all the time, and so … [Read more...]

How to Buy Cars With Cash

For some folks, the idea of trying to buy cars with cash is a fairy tale.  They think it is a dream that others can enjoy, but they will never enjoy.  However, here are some practical steps you can take to get yourself behind the wheel of a car - not in front of a loans desk at the bank. In a previous post, I showed how much money people can save by paying cash for a car instead of car … [Read more...]

Credit Card Advantages Over Cash

Hey all – I’m on the fence.  Can someone talk me out of it, or should I go back to being a credit card user because there are obviously credit card advantages. Several weeks ago I asked the question Does spending cash really save money when compared to credit cards? My conclusion was that people spend less with cash.  The more I have reflected on that post, I feel it is necessary to follow up … [Read more...]

The Real Truth About Borrowing Money To Buy Cars

In many ways convenience and lack of patience is the enemy of financial prosperity. Loans could be a statement about your selfishness.  A loan says I don’t have the money, but I want this and I want it now. Here are some important facts about car loans: The average American car loan payment is $400 per month. A 48 month used car average interest rate is currently 7.91%. Let’s say you … [Read more...]