Debt Calculator Released and Ready For Users

Debt Calculator Released and Ready For Users

The first release of the online debt calculator is ready for users. The idea is that you don't need to download a debt reduction spreadsheet or some external program, you can visualize your debt destruction right in your web browser. Debts can be reordered by dragging them around in the ...

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The Happy Rock Redesigned, Repurposed, Revamped, Reimagined, and Revitalized

The Happy Rock Redesigned, Repurposed, Revamped, Reimagined, and Revitalized

The title is over the top, but I am pretty excited.   I can't call The Happy Rock revitalized until I actually start posting and investing in the community again, but that is my honest desire.  The blog has been languishing for almost two years, but now I am refreshed and ...

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Into Debt And Out Again – Overcoming $40,000 Of Debt

Into Debt And Out Again - Overcoming $40,000 Of Debt

The following is a guest post by a dear friend and colleague Ed who is just months away from finally getting out from under $40,000+ in debt. Give him a warm welcome in the comments or a shout on twitter(@ed_bruner): The First Step Into Chains When my wife and I got married, ...

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29 Reasons Why Being A Part Time Entreprenuer Sucks

29 Reasons Why Being A Part Time Entreprenuer Sucks

I know this may not be the inspirational pie in the sky post you want to hear, but it is reality.  If you are already a part time entrepreneur, solo entrepreneur, or blogger you can probably empathize with this list.  Better yet it might help you gain some insight into ...

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13 Simple Tips To Make Tent Camping Easier And More Fun

Last weekend we got back from a 4 day 3 night tent camping trip where it rained for hours on two of the four days.  Actually the trip was supposed to be 5 days 4 nights, but we decided to forgo the first day due to heavy rain and tornadoes ...

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Debt Calculator Released and Ready For Users

by The Happy Rock on August 9, 2011

The first release of the online debt calculator is ready for users. The idea is that you don’t need to download a debt reduction spreadsheet or some external program, you can visualize your debt destruction right in your web browser. Debts can be reordered by dragging them around in the list, you can see what happens when you add extra monthly payments, reorder debts using the debt snowball method of smallest balance, and more.  Full instructions are in the sidebar next to the debt calculator. With that said, I am looking for feedback. I am poised and ready to add [...]

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An alpha version is ready of the debt reduction calculator is ready. We will be adding features as the feedback rolls in, so feel free to check it out and leave some suggestions by clicking the “Feedback” tab. The calculator does the following: Display a chart of your debt and the interest paid Identify your debt payoff milestones and your debt freedom date Allow you to add any number of debts Allow you to reorder the debts starting with the lowest balance(debt snowball), highest balance, highest interest rate, or any order you want. You can compare the payoff dates and [...]

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The Pain Of Taxes Without A Mortgage

by The Happy Rock on April 20, 2011

I procrastinated filling taxes this year again…no big deal.  Late filing seems to be common practice for those of us who usually owe money each year.  The pain came when I received word that we need to file for extension and pay DOUBLE the normal amount to the fed and the state.   I was shocked.  I saved and paid quarterlies the same as I did the last five years and we got killed worse than normal.  Now I am trying to figure out what happened and recover. A Little History Every since we got married we have owed thousands of [...]

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The title is over the top, but I am pretty excited.   I can’t call The Happy Rock revitalized until I actually start posting and investing in the community again, but that is my honest desire.  The blog has been languishing for almost two years, but now I am refreshed and ready to start taking action towards my goal.  A site rewrite was planned for a while and I finally pushed through it. Why Did I Do It? I had a few offers to sell The Happy Rock, but I choose to revamp The Happy Rock instead. I wasn’t ready to [...]

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Going To A 15 Year Fixed Mortgage

by Ed on September 6, 2010

 With mortgage interest rates at amazing lows, I (Ed) figured now is the time for 15 year fixed rate refinance: I have a 30 year fixed rate mortgage with about 23 years and ~$156,000 left. With the 15 year fixed rate mortgages at about 3.7%, I have started to look into a refinance. My current mortgage 30 fixed Interest rate 5.875% Amount left $156,000 Years left 23 Monthly payment (principle & interest) $1010 Taxes 5k per year Total monthly payment (with PMI) $1,553 New mortgage 15 fixed Interest rate 3.875% Amount left $159,000 ($3000 for fees) Years left 15 [...]

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This post is about a book that was recommended to my wife called “Pick Another Check-out Lane, Honey(Affiliate Link)“.  The two authors cover their ingenious couponing method from soup to nuts.  My wife has just begun using this method and with the help of the Krazy Coupon Lady’s book and website, we’ve been saving lots of money at the grocery store. Chapter 1: “Save 50-90% at the grocery store“ How?  First, the couponing method laid out in the book instructs you to only use a coupon on a sale item to maximize savings.  You’d be surprised how much stuff you [...]

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Josh Clark invented a running program called Couch to 5k. While, I realize that this program has existed since 1996, it maybe new to you as it is to me. His training system aims to take the couch potato and slowly(and painlessly) get him/her prepared to run a 5k race.  The first couple weeks are a mixture of running and walking. The training is 9 weeks for about 20 minutes a session every other day. While, preparing this post I realized how popular this program is. There are facebook groups, fan sites, pod casts, even a iphone and Android app [...]

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Plugging the Holes in Your Budget

by The Happy Rock on June 3, 2010

The following is a guest post by a dear friend Ed(@ed_bruner) who is just months away from finally getting out from under $40,000+ in debt. Use cash to plug up the holes I assume every family budget has holes in it.  Ours did.  The holes were mostly unaccounted spending or personal spending…a trip to a retail store, a lunch out, snacks, etc.  These “little”spending events can destroy a budget or even derail your debt reduction if they are not kept in check. The way we handle this issue is by allowing ourselves weekly spending cash. The rest of the income [...]

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The following is a guest post by a dear friend and colleague Ed who is just months away from finally getting out from under $40,000+ in debt. Give him a warm welcome in the comments or a shout on twitter(@ed_bruner): The First Step Into Chains When my wife and I got married, we were debt free with money in the bank (minus my student loans…which I wasn’t even thinking about). When she got pregnant, we decided it was time to buy a house. The year was 2001. The Housing bubble in NJ was already ballooning. We had difficulty finding anything [...]

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I have been listening and reading through A Million Miles in a Thousand Years: What I Learned While Editing My Life(affilaite link), and in it Donald Miller provides a very simple framework for thinking about your life: your life is a story. The basic premise is that the same rules apply to your life as they do to stories.  The stuff that makes a good story makes a good life.  If your life feels boring then the story that you are telling is probably boring. Nobody sets out to tell a boring story, they often just happen because we aren’t [...]

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