June 2008

Gasonline is Cheap – Graphical Cost Of Liquids

by The Happy Rock on June 28, 2008

The source was Amazon for the most part so the prices could be location independent.  Some of the prices are for bulk and may be more expensive at your local grocery store. Discuss! Source : Oley Eye Cream Loctite Super Glue HP Black Printer Ink Lovely(Sarah Jessica Parker) Perfume Bertoli Olive Oil Red Bull Tide Detergent Water, Milk, and Gasoline are local South New Jersey prices.

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Unexpected Expenses Derail The Debt Reduction Train

by The Happy Rock on June 26, 2008

Not much can kill your debt reduction momentum like a $500 dollar expense that you haven’t planned for.  Without some savings set aside we often are forced to go into debt to pay of the bill and that destroys the plan and demoralizes our already fragile money psyche. When just starting out on your debt reduction journey it is quite easy to budget and plan for your normal monthly bills like credit card payments, rent/mortgage, utilities, etc, but the type of expenses that derail the train are not the monthly expenses.  There are the irregular bills, the ones due every [...]

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I have mentioned Price Protectr before and how it nicely notifies you when the price of a recently purchased item drops after you buy it, so that you can email the online merchant and receive a post purchase refund.  The biggest problem with the whole Price Protectr system is remembering to add your recently purchased items to the list.   Now, the process is a lot less intrusive. The best way to remind yourself was to use their browser toolbar for the best web browser on the net, FireFox 3: The only problem was that there were an extra set of [...]

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How Expensive is Tent Camping?

by The Happy Rock on June 23, 2008

Item/Service Cost Gas (~250 miles @ 23 MPG) $43 Campsite (2 nights) $44 Firewood $10 Food $70 Total $157 Our family, The Rock Garden, spent the weekend at Hickory Run State Park in eastern Pennsylvania.  I wanted to chronicle our expenses so that you could get a first had look at how inexpensive car/tent camping can be.  The $157 total for the whole trip covers all the costs from Friday afternoon to Sunday night.  Admittedly, the trip was a little short, but that didn’t stop it from being a blast. For our little trip we are looking at $62 a [...]

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Just recently my favorite Sunoco gas station in Mount Laurel New Jersey started charging different prices for buying gas with cash and credit.  Effectively, they are trying to pass along savings to consumers by charging less for cash.  My station is charging  $0.10 cheaper per gallon on $4.00 gasoline which comes out to a 2.5% discount.  I have always said there are benefits to paying cash, but this wasn’t the way I was expecting to see them realized. At first I was really frustrated as it seemed they have effectively crushed all but the best cash back credit card rewards.   [...]

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The Vending Machine 2 for 1 – Frugality or Stealing?

by The Happy Rock on June 19, 2008

We have all walked up to a vending machine and spotted a candy bar hanging on by a thread.  If it is something you like whatever, you feel like you hit the lottery! The cheapskate in me even considers buying something that I didn’t want just so I could get a two for one deal.    Occasionally, you can even shake it free without putting money in. For those that are afraid to shake the machines, just remember that they aren’t pinball machines, they won’t tilt.  You can really give them a shake. Come on, you know you have had similar [...]

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Sometimes You Just Don’t Feel Like Saving Money

by The Happy Rock on June 17, 2008

Blasphemy, I know…but it is true. I am not talking about some calculation that I do in me head that says doing X isn’t worth the time for the money, but about blatant laziness or avoidance. Sometimes when certain moods strike I am just unwilling to put in a little extra effort to save another dollar or two. Three incidents stand out in my mind from the last week or two : I can remember about a week ago realizing that I had not been charged the sale price on ice cream.  I was already in the car with the [...]

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Free Workout Program – 100 Push Up Challenge

by The Happy Rock on June 15, 2008

We have talked about some free workout ideas before, and now it’s time that I take advantage of one of them. Sitting behind a computer all day really destroys flexibility, muscle tone, and strength. Even sitting on an exercise ball at work doesn’t replace the benefits of strength training. Along comes J.D. at Get Fit Slowly who is starting the 100 push up challenge on Monday. Here is the his post on the issue and here is a little taste of the call to duty from the 100 Push Challenge website : Think there’s no way you could do this? [...]

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Tipping The Personal Finance Scales In Your Favor

by The Happy Rock on June 12, 2008

I wrote earlier about the moment/idea that marked that turned around our financial journey. Today, I wanted to talk about the moment when the momentum for positive change became unstoppable. This is the moment when I felt like our plan finally came together. Where all the hard work finally culminated in an unburdened, energized, free to pursue my dreams fist pumping YESSSSS! type feeling.  What was the moment?  It was about 4 and half years from when we decided to get out of debt when we finally had 6 months expenses locked away in an ING direct account.  We had [...]

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One day left to enter for a chance to win a free fifty dollars.  Contest ends Friday 11:59 PM EST on Friday. Click here for details on how to enter.  There have been 14 entries so far, so that next person that signs up will have a 6.6% chance of winning.  Not sure you will get those kind of odds to win a contest very often.

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