Living for today - Planning for Tomorrow
by: Hazzard
It’s that time of year. Technology companies announce their latest tech gadgets and phones and then crazy people line up in the streets and camp in tents to be the first to get them. It’s really kind of amazing to see what people will do for a cell phone. The Iphone 5S looks pretty much the same as the old model, does most of the
by: Hazzard
One of the financial goals we’ve made is to have our house paid off before age 55, or at least have the capability to pay it off if we want to. I know that as I get older, I’ll struggle to find a job if I lose the one I have now. I anticipate that sooner or later I will lose my job, so much
by: Hazzard
They’re starting to talk about layoffs at work again, but this time it’s going to be BIG. I’ve been told I’m very safe from getting laid off but there are a lot of people around me that are going to lose their jobs and it’s going to impact those of us that are left by increasing our workloads a ton. With all this uncertainty at
by: Hazzard
I love this time of year. The anticipation of the next few month’s financial boosts always gets me feeling good. Once we’ve gone through those, then summer is right around the corner. So, what am I talking about? In February we get our annual bonus at work. In March, it’s our annual raises, and at our house we usually get a tax return about that
by: Hazzard
I was doing some analysis the other day about my family’s spending patterns and noticed something. Since 2004, our spending hasn’t increased when I look at our monthly budget. In 2012, we are on track to keep our fixed expenses at 43% of our after tax, after investment income. That means that, after we’ve contributed to our 401K’s, invested for our daughter’s college and paid
Well, it’s been a crazy and hectic summer around our house. We decided to make it even more hectic by refinancing our house as well. I mentioned it previously but now it’s finally complete. I’m still shaking my head at how much documentation they required from us. We have a credit score in the 800’s, have been at the same jobs for many years and
Appliances are some of the best inventions in the world. They’ve made household chores so much easier and have drastically sped up the time it takes to make dinner (that’s how we cook at my house a lot). The only drawback to appliances is that sometimes they break. We have one of those “in wall” microwave/oven combos. It’s a Jenn-air model that came with the
Have you ever needed a tool that you didn’t own to complete a job around the house? Have you ever worked on your car and had to run to the store to buy a tool to get the job done? Do you have limited space and don’t want to fill it with tools you’ll hardly ever use? Are you on a limited income and don’t
Adam at “ManVsDebt” is making a movie. (Actually it’s Adam and a number of other people). They’ve already traveled around the country and have completed a couple months of filming. Now it’s time to edit and produce the movie, which they need additional funds for. You can help! For as little as $5, you can help get this movie completed (and get a digital copy
Rob Carrick with the Globe and Mail wrote an interesting article comparing what it was like to be a young person in 1984 versus what it’s like to be a young person in 2012. It was a great article and really makes you think, especially about the cost of getting an education. The reality is that he could have thrown in health care (if this