Archive for June, 2009

How To Get Out of Debt With A Debt Repayment Plan

We’ve often talked about how to get rid of debt. But this time, we’d like to cover an actionable plan comprised of simple steps you can perform to fully eliminate your debt.
While some families I know can pay off their credit cards each month, most people I know maintain mortgages, car loans, credit card [...]

How To Get Out of Debt With A Debt Repayment Plan

A Look at OptionsHouse for Stocks and Options Trading

OptionsHouse first came to my attention in April when I compared online discount brokers for their commissions to trade stocks, mutual funds, and options. However, at that time I didn’t get much interest in the broker at that time because back then, the commission it charges was $4.95 per stock trade, which is the same [...]

Original Post on The Sun’s Financial Diary

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A Look at OptionsHouse for Stocks and Options Trading

Save Money on Glasses and Contact Lenses

I was cleaning my glasses the other day and like the butter fingers I am, dropped them. A lens popped out. I instantly thought, “Great, I’m going to have buy new glasses now.” (I should note that I’m new to the glass-wearing crowd.) I suddenly thought, “What would happen if these [...]

Related posts:

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Flashback: One Year Ago… June 2008

I had a blast checking out the archives last month, so I thought we’d make a reoccurring feature. It’s fun to see what was happening in the financial world a year ago.

Here were the most popular articles that were written in June 2008. Many of them still have a lot of relevance this year!

Popular in June 2008

  1. New Grads: 29 Money-Smart Tips
  2. 10 Financial Tips for New Grads
  3. 11 Fun & Frugal Summertime Activities
  4. How to Handle Irregular Paychecks
  5. We Sold My Car! What Worked and What Didn’t
  6. What is Credit Card Arbitrage?
  7. Small Business Problem: Advertiser Bounced a Check!
  8. Free FICO Scores & Credit Reports

Written by Madison


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Three Money Traps to Avoid

When money is tight, it’s tempting to turn to quick fixes but some of them can have lasting consequences for your money and your future. Obviously times are tough and many people are faced with decisions they thought they’d never have to make but here are three money traps to watch out for.
Cashing in your 401(k)
You [...]

Book Review and Giveaway: Happier

Today’s book review is a bit different than the typical book about finance, but just as relevant in my eyes.  A New York Times best seller, Happier – Learning the Secrets to Daily Joy and Lasting Fulfillment, is written by Tal Ben-Shahar who happens to be a Harvard Professor on Positive Psychology – and teaches [...]

How To Survive Being Laid Off

The following article contains condensed excerpts from $100K to Nothing – Layoff: My journey from a six figure income to the unemployment line in the worst economy of our time by Dan Holt. You can find out more about the book at www.100ktonothing.com.
Hi, I’m Dan and I’m unemployed. But it wasn’t always this way…I used [...]

Should You Get Identity Theft Protection?

We’ve discussed credit report monitoring services here before, which help you in a couple of ways. They can keep an eye on your credit standing by monitoring your credit reports: they’ll let you know if your credit has been affected in any way or if you’ve somehow become a victim of identity theft.

Sure, the [...]

Should You Get Identity Theft Protection?

A New Day, A New Job

Today is my first day at this new job.
The job is from the second employer that I was interviewed a few weeks ago. It’s a division of  the same employer who offered my very first job 9 years ago and does business mostly with the government. I got offers from the first two employers rather [...]

Original Post on The Sun’s Financial Diary

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A New Day, A New Job

The Pros and Cons of Joining a Local Food Co-op

A Food Cooperative Has Some Benefits, but Not Always Financial Benefits
Everyone wants to eat better these days so the idea of local and organic food is quite popular. In some parts of the country your food may travel thousands of miles before it reaches your table, so it only makes sense that if you could [...]

About the Author: Jeremy is a retirement planning specialist and founder of Generation X Finance and the guide to Financial Planning at About.com. To learn more, follow Jeremy on Twitter.

The Pros and Cons of Joining a Local Food Co-op

Divorce and Your Money

Summer is wedding season and we’ve written about different ways you can save money on your wedding reception, wedding pictures, your honeymoon, wedding dress, and wedding planning.  Unfortunately, not all marriages last forever so here are some tips on dealing with the finances of divorce.
Find Experienced Divorce Advisors
All the advisors you use in the divorce [...]

12 Tasks for Your Mid Year Financial Checkup

When we reach the half way point of the year, I like to do a mid year financial checkup. Here are some tasks for this summer’s checkup; some from my list and some from readers.

Mid Year Financial Checkup

  1. Check Your Credit Report. Don’t forget to use your annual free credit report. In addition, if you want to see your score, you can get your Free FICO Score and Credit Report.
  2. Create a Debt Tracking System. Set up and use a debt tracking system to monitor one’s progress towards debt elimination. In many respects this is as important as updating one’s budget, especially for someone that revolves credit card balances from month to month. – DebtGoal
  3. Install Solar Energy. If you plan to use the Solar Energy Tax Credits, make plans soon to get quotes on solar panel installation and purchases.
  4. Evaluate Monthly Expenses. We found that we could save $14 a month by Switching from Satellite to Cable.
  5. Plan Now for Furlough Days. With many companies and state governments issuing furloughs for their employees, set aside some extra cash to cover it. My husband will have a few weeks of furlough coming up in the next two years, so we’re planning ahead by putting the equivalent amount of cash in an Etrade account.
  6. Buy a New House. You still have time to take advantage of the $8,000 First Time Home Buyer Tax Credit. If you are planning to use it, don’t miss the deadline. And check out the how you can use the tax credit for closing costs too.
  7. Review Your Insurance Needs. We recently switched our insurance. In addition to shopping rates, make sure that your coverage is still adequate to cover your exposure.
  8. Consider a Possible Job Loss. With the economy still struggling, make sure that you could financially handle a job loss. Review the checklist in Are You Ready to Lose Your Job?
  9. Evaluate Your Credit Cards. With so many changes in the credit card rewards world, it may be time to find a new card. You many want to check out the Schwab 2% Cash Back Credit Card or the Fidelity 2% Cash Back Credit Card.
  10. Monitor Cash Flow. I know a lot of business owners not only budget but also monitor their cash flow statement daily to see how they are progressing. I think it’s a great idea. – Josh Moore
  11. Review the Economic Stimulus Plan. Keep up with the economic stimulus plan, including various programs like the Making Home Affordable program and the Make Working Pay Tax Credit.
  12. Asset Allocation Updates. As always, a quarterly or mid year check in wouldn’t be complete without a reminder to rebalance your portfolio to your target asset allocation.

In addition, you can see last year’s Mid Year Checkup which included some extra ideas like setting aside money for the holidays, using your vacation time, and updating your beneficiaries.

Written by Madison


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fear of money

If I was going to search deep within my (financial) soul I’d admit that most of my money decisions are based on fear. Fear’s a negative word, and I don’t think that in this case my decision making is always a negative process.  I am often quite happy with the result.  A great example [...]

fear of money

Best of Blogs 2009: Vote for Million Dollar Journey!

It’s time again for the annual Globe and Mail Best of Blogs poll.  This year, Million Dollar Journey had the honour of being nominated a few times by:

Ram Balakrishnan – The popular blogger behind Canadian Capitalist.
Rob Carrick – The personal finance columnist for the Globe and Mail.
Chaya Cooperberg – The blogger behind the new Home [...]

A New Perspective On Meeting Basic Needs

Last week I mentioned that I was reading the book Scratch Beginnings: Me, $25, and the Search for the American Dream, by Adam Shepard. The book chronicles the real-life journey of Shepard, who upon finishing college turned over all his worldly possessions to his brother, and began a social experiment of his own. Armed with [...]

Commodity Market Index: An Inflation Indicator

Various ways to predict inflation.
We all can’t wait to emerge out of the clutches of this economic recession. The government has done its job to jump start the economy, with many attempts to revive it through a massive stimulus package and a series of bailouts. All well and good, but then there’s the [...]

Commodity Market Index: An Inflation Indicator

Bloggers: Exclusive, Limited-Time Offer to Save Big on The Blog Traffic Exchange

While this won’t interest my general audience, the Wordpress bloggers among you might want to listen up. The Blog Traffic Exchange is very similar to your related posts plugin (you are using a related posts plugin, right?). The difference is that the Blog Traffic Exchange is related posts from around the web. [...]

Related posts:

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Marriage And Money: Do You And Your Spouse Differ On Finances?

My wife and I have been married for over eleven years now. When we first married we were complete opposites on all things financial. I am, by nature, a saver. My wife is the free spirit, or the spender, in our relationship. In an effort to keep things civil those first few years I spent [...]

Rule of 72 & Compound Interest

The rule of 72 is a formula that can help you approximate how your investments will grow in a retirement or other investment account.
The rule has its history in the 15th century and reached common knowledge when Albert Einstein explained his thoughts on the power of compounding interest. Basically, the rule calculates how long it [...]

California Budget Crisis: Can We Close The Budget Gap?

As one of California’s denizens who also has school-aged children, I was quite interested to learn about a site called Next10, through Lazy Man’s post called “Can You Fix California’s Budget”? Next10 asks you questions about how you stand on certain issues that have an impact on the California budget, and based on [...]

California Budget Crisis: Can We Close The Budget Gap?

Amazon Friday Sale – “Hammock Finally?” Edition

For those of you who don’t follow my Twitter feed (and I don’t blame you since I don’t Tweet often), you may have missed my interview at The Casual Observer earlier this week. I took a light-hearted, fun approach to it, so if you are the kind of person who likes fun, you should [...]

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Get Your Money Questions Answered At Moolanomy

Every has questions about money every now and again. I hoped people might make use of the contact button under my logo, but it seems most would rather have a root canal. That’s fine. You still aren’t going to get away without getting your questions answered. Moolanomy Answers is here to [...]

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FatWallet Cash Back

Recently, I asked What is Your Favorite Cash Back Program? A reader, Simon, pointed out that I forgot FatWallet!

I often mention the FatWallet Finance forums as one of my favorite places to hang out. But, as Simon reminded me, FatWallet also has a special place in my heart for earning cash back!

Let’s explore the FatWallet cash back program for Free Money Friday.

How to Earn Your FatWallet Cash Back

  1. Sign up for a FatWallet account.
  2. Shop for products using FatWallet Shopping.
  3. Redeem your cash back by PayPal or a check.

FatWallet Cash Back Details

Minimum Redemption. If you want to cash out your account by check, there is a $10 minimum. Paypal doesn’t require a minimum.

Payments. Cash back payments are processed weekly; it’s one of the quickest cash back programs.

Attach a Note. My favorite feature at FatWallet is the ability to attach a note. When you click on a cashback offer, you can put the details of the purchase. I usually put a high level description of what I’m buying and who it’s for so it will jog my memory down the road.

Finding Deals

In addition to the cash back, I also find that FatWallet is a helpful place to shop and research online. Between Today’s Top Deals, the Coupon Search, and the Hot Deals forum, the savings add up!

Written by Madison


Click here to leave a comment on this article.

© My Dollar Plan

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Discover Credit Cards in Cereal Boxes?

When I went to recycle an old box of Honey Nut Cheerios last night a small silver package fell out of the container.  Now I’m sure my wife would have just thrown it away without opening it but I’m a sucker for free stuff (even if it’s a toy in a box of cereal) so I peeled [...]

linklings, michael jackson passed away edition

I had to mention Michael Jackson.  Flexo will explain why. It is one of those watershed pop-culture moments, whether you like him or not.  I am a fan of Elvis, and 32 years after his death people are still mooney about him.  I liked Thriller – who didn’t.  He was around even before that, with [...]

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linklings, michael jackson passed away edition

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