Personal Finance

Economic Stimulus Not as Stimulating as Hoped

With Pres. Bush’s economic stimulus package having wound it’s way into the majority of people’s hands this last month, the numbers aren’t looking so good for a kick-start to our stalled economy.
Last month’s economic numbers show that consumer spending is DOWN .2%. That means that all that wonderful money given to us by [...]



HSBC Does a Pre-Emptive Strike on My Wife

(Scene – a lone pilot in a small jet plane, swooping and swerving avoiding enemy fire and SAM missiles as they come at him.
Strains of Kenny Loggins’ "Danger Zone" playing in the background. Switch to flashbacks with the commanding officer telling the pilot how dangerous the mission is, but how important it is [...]



Saving the Stimulus Income – Instant Emergency Fund

I’m not normally a (very) pessimistic person, more like someone that looks at ALL angles, both good and bad, so when I got our stimulus package I decided to do something a little different than I had originally planned.
You see, recently my company went through some layoffs, and that along with the way [...]



I, (State Your Name) am a Debtaholic

I, Randall, am a Debtaholic. (Hi Randall!!)
I look back at my finances and I see a steady non-decreasing credit card usage record. From my first JCPenny’s card right after entering the military, to the dozen or so cards sitting in my sock drawer. They’re all there, haunting and tempting me.
I’ve come to [...]



Why You Need an Emergency Fund – A Real World Example

The very first thing that most PF Bloggers will recommend to anyone within earshot is that they start an emergency fund. Just a small recap;
Emergency Fund – An amount of money equal to about 3-6 months standard household expenses (including housing, all bills and utilities, and food money) in a safe but easily accessible [...]