Have you been to a library lately? For those of you who were scared off by the Dewey Decimal System, it’s time for a visit.  You might not recognize the place. The card catalog is long gone, it’s been replaced with banks of computers.  The scary looking reference section has been transformed into the video section.    The hard wooden tables and chairs have been replaced with soft comfy furniture. It’s a whole new world. I have to admit I missed the transformation.  It wasn’t until I had kids that I decided to see what the library had to offer me.  And boy am I ever glad […]

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Christmas Came Early for the Debt Destroyer Household

by Debt Destroyer on December 21, 2008

Did you have a merry Christmas?  What, it’s not Christmas yet? Whoops my bad. You see we’ve already been given so much that I got confused for a moment.  In the course of a week we received a new couch ( a hand me down)  and some insulated curtains. The curtains were an early Christmas present from my wife’s parents and I have to say they are one of the best gifts we’ve ever received.  Not only are they somewhat stylish (dark purple) but they do an excellent job of keeping the drafts to a minimum. Since we’ve put them […]

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Gift Cards Are Bad Gifts And A Waste Of Money

by The Happy Rock on December 18, 2008

Harsh?  I don’t think so.   An estimated $97 billion dollars were spent on gift cards in 2007 and companies were able to keep almost $8 billion dollars in breakage, fees or unused money.   It is one of the first things they teach you when opening a business, sell gift cards.   Any unused money is pure profit and even if they use it they are forced to use you service or store.   Brilliant business, but not good personal finance. The real brilliance in the gift card business came when they were able to convince us that the gift of cash was […]

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DD’s Time Magazine Giveaway

by Debt Destroyer on November 28, 2008

Happy Rock’s recent post with all the free stuff motivated me to add one to the list. Seeing how I’m plastered all over the pages of Time Magazine (My family’s picture with President-Elect Obama is now also in the Special Commemorative Edition, full-page spread baby!)  I figured I’d share the love by offering the gift of weekly news delivered to your mailbox. That’s right folks a year of Time magazine can be yours! All you have to do is send The Happy Rock an email and a lucky reader will be randomly selected.  Use the contact button on the top […]

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Financial Thanksgiving List

by The Happy Rock on November 27, 2008

In the spirit of gratitude and thanksgiving I wanted to list all of the financial related blessings of the last year. Another year debt free, except for the mortgage The ability to provide for two wonderful children Second adoption paid for with cash $11,000 adoption tax credit $2,000 adoption assistance from my employer Two flexible, solid, well paying jobs $5/hour raise for The Happy Rockette Income and symbiotic relationships from The Happy Rock and other projects Top %1 standard of living in the world – Check yours at Global Rich List Warm, comfortable, home in a good neighborhood The means […]

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Cashback Bonus = Christmas Budget

by Debt Destroyer on October 27, 2008

I know it seems early to be bringing up Christmas (especially with the economy possibly crumbling around us), but the displays are going up in stores, so I guess it’s never too early to starting thinking about it. For the last few years we here at the Debt Defier household have been funding our Christmas shopping with our Cashback rewards from our credit cards.  We both have a Discover Card and until we recently decided to start paying for a lot of items with cash, the cards were how we bought everything. One good thing about buying everything using plastic, […]

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Christmas, Debt, and Spending – Our Example

by The Happy Rock on December 19, 2007

In the last post I asked some questions about the nature of Christmas spending and what we could do to change. I wanted to share some of the changes that my family has undergone in the last for years to fight the consumerism onslaught and then a few lessons learned. The Happy Rockette’s Family To set the stage, my wife is one a five sisters. Four of them are married, and we have 8 nieces and nephews(ages 1-6) between us. We do Christmas morning with at the Rockette’s parent’s house, and everyone was buying gifts for each other and the […]

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Play A Game And Help End Global Hunger

by The Happy Rock on November 20, 2007

“About 25,000 people die each day from hunger or hunger-related causes, most of them children.” “The United Nations estimates that the cost to end world hunger completely, along with diseases related to hunger and poverty, is about $195 billion a year.” This is post is about shedding some light on poverty around the world. It is so easy to get wrapped up in our small world and own finances without giving as much as a thought to those who have much less around the world. The quotes above were provided by an innovative new new site called the banner […]

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