Johanus on August 31st, 2009

Money Wasters You May or May Not Have Thought Of
(This is one of my more tongue-in-cheek articles)
Everyone always wants to find ways to save money. Why? There are so many ways that it is easier to just throw money away, without even really thinking about it. Here are a few of those. 

Never wash a full [...]

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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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Johanus on May 11th, 2009

What does online free advertising have to do with saving in your budget?
Do you ever have to find something or sell something or simply get rid of something that is too big or difficult to throw away (and is still usable)?
Well, there are several online places that allow people to place a huge variety of [...]

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Johanus on April 24th, 2009

I was speaking with an acquaintance today who was (surprise, surprise) fighting with her boyfriend about money. She complained, as everyone does, about a bill. Her dentist bill was $88 after the hundreds that her benefits covered, and she wasn’t aware of how expensive it was, and hadn’t budgeted for it. So she was forced [...]

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Johanus on April 7th, 2009

It’s tough to track your expenses when you first start out. It’s even tougher if you realise that you’ve spent $120 a month on coffee. This means that cutting out these small, seemingly insignificant, expenses can really add up. Consider if you spend just $3.00 a day, five days a week for 50 weeks of [...]

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Johanus on March 24th, 2009

Envelope budgeting is something I have just recently heard of. It’s something that some financial and bankruptcy advisers use for their clients, which I found intriguing, and wouldn’t have thought of myself.
What it is, is the person doing the budget each month is working on a cash only budget (no credit cards), and is not [...]

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Johanus on November 28th, 2008

As someone who has been through the worst of personal finances and managed to pull back from the brink, I can sure relate to the problems that people can face in personal budgeting. Why did I get into such trouble? Well, let’s just say that I was used to living a fairly simple lifestyle, then married [...]

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