Johanus on February 16th, 2010

Realising When Something is a Liability Instead of an Asset
Sometimes it’s easy to see when something is a pure burden financially and not necessary, no matter how much one wants to have it. Perhaps it’s those seasons tickets that you really crave or the extras in the cable package that can be let go in [...]

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Johanus on December 17th, 2009

When we are budgeting, part of what we do is start to organise our lives. This is only natural for our finances – and very important – if we want to understand money and be better at managing money. A budget organises the expenses and income of a household, sets targets and strives to help [...]

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Johanus on September 15th, 2009

We all need to shop. In our modern world, we can’t barter or build everything that we need or would like. And there are a lot of wonderful things that can be bought to make our homes look better, clothes to make us look good, and items to help make our lives easier and more [...]

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Johanus on August 21st, 2009

Is Retirement Planning Worth the Effort?
I recently heard someone comment that saving and planning for retirement really isn’t worth the effort. The idea here is that people who plan to sit around and read or just simply relax but are presently working very hard to build a financial nest egg probably won’t need it, as [...]

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Johanus on July 22nd, 2009

Some Useless Things People Spend Money On
People spend money on the most amazing things! Items that add no use or value to life, yet they will waste precious dollars on them, when those dollars could be used for more precious and lasting items, things that actually contribute to their lives. Here is my list of [...]

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Johanus on July 14th, 2009

The Challenge of Relatives and Friends and Finances
“Insanity: doing the same thing over and over again and expecting different results.”  -Albert Einstein
This reminds me of someone I know… me. I keep expecting someone I know to learn how to deal with finances in a better way, but it doesn’t happen. No matter how much I [...]

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Johanus on July 8th, 2009

Living frugal doesn’t have to be hard – and here’s a simple guide on how to enjoy an inexpensive lifestyle.
I admit that I try to live more frugal than most people. I rarely go out. And when I do I always make sure that it’s on a discount, using coupons or sales events, or attending [...]

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Johanus on July 3rd, 2009

I have run a few of different businesses in the past, all while working from home, and currently run a couple part-time ones at home. I find it interesting that there are now so many schemes on the Internet about people working from home. Things like,  “Be part of one of America’s Fastest Growing Industries! [...]

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Johanus on June 25th, 2009

Things to Try Before Filing for Bankruptcy
It’s best to avoid bankruptcy if at all possible. The ramifications of such a filing on your credit report is a killer. And it stays with you for at least seven years. This makes it hard to get credit of any kind (mortgages, credit cards, car loans,etc.). It can [...]

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Johanus on June 24th, 2009

Some “budget tips” are such that they may not really save money.
Saving money is more than just buying the item that has a lower sticker price. There are other costs involved that people don’t always examine.  How much does it cost to go to a certain store, versus going to the one closer? What about [...]

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