Credit for auto loans is easy right now and rates are low. However, loans offered through car dealerships aren’t usually good for you. Dealerships typically receive kickbacks from banks, so they have an incentive to sell you a higher rate than what you may qualify for through your bank or credit union. Also, because many
As 2013 wanes, we look towards 2014. What will the new year hold for us? Will it be better or worse than last year? How can I be better than last year? Learn how you can know for sure.
Many of us are familiar with the saying “time is money.” What we’ve been taught is that wasting our time is, in essence, wasting our earning potential. Likewise, many of us have been taught that if we do something ourselves, without paying someone else, we save money. This isn’t always true.
I was exercising at the gym this morning and “Big Love” by Fleetwood Mac came on my iPod. I was about the change it when I decided to listen. Lindsay Buckingham’s guitar skills on that song are amazing. When I was listening and doing bent-over-barbell-pulls, it struck me as ironic that two of my favorite albums came from dark places for the artists. Then, I thought, maybe their stories can be an inspiration for others.
Yesterday I went to Batteries Plus to get specialized
batteries for our garage door remote and our bathroom scale. The sales rep was already assisting someone,
so I attempted to find what we needed on my own. The store is small, so it’s easy to overhear
conversations. The woman being helped needed
a light bulb. I didn’t get the full
context of the conversation because I walked in midway through it. However, the sales rep was clearly confusing
her with all her options for a light bulb.
The woman could choose amongst different watts, tones, colors, energy
efficiency and price. As he was detailing
the uniqueness of each option, I laughed.
errands this afternoon. I stopped by The
Post Office, filled up the car with gas and dropped off dry cleaning. Everywhere I went festive people were dressed
in Halloween costumes. I saw Jack
Sparrow and a Harry Potter character. I
think he was a Harry Potter character. I
saw a fireman. I’m positive he wasn’t a
real fireman. I saw a woman with a witch’s
hat and nothing else on her that resembled a witch. I saw lots of wigs, too. There are wigs of all different colors. Pink and blue seem to be popular this year. I blame Pink, Nicki Minaj and Katy Perry for
In 2006, we got the bug to stop renting and buy our own home. Who didn’t, then, right? Like most couples, we wanted a place of our own. We first educated ourselves on the process and the real estate market in the Denver Metro Area. We didn’t want to live far outside because this is a great location between our work, family and friends.
We talk a lot about managing our grocery budget. It makes achieving financial goals easier. As of 2012, the average household spends 9% of its income on groceries. This doesn’t include eating out (restaurants, shops or work/school cafeteria), household products or pet food. This is a significant portion of our budgets.
Let’s face it, dating is hard. It’s especially hard if you’re seeing someone new and you’re trying to impress them. For those in more established relationships, it’s hard to keep things exciting. Often times impressing people and being exciting mean spending money. What’s a couple to do on a date and not break the bank?
Why is it that some people have drive and others don’t?