Archive for Frugal Money Management
Free Books On Saving Money and More
These books are free at the time of listing. This can change, so be sure to check the cost first, before you download. You do not need a Kindle to take advantage of these offers. You can read them on various free reading apps If you’re curious, this is the Kindle I have, and I [...]
Time to file taxes
It’s time to file taxes if you didn’t already, and I didn’t. I’m still waiting on one final piece of info, but I do know who I’m going to use. In fact, I already filled in all the blanks and will be ready to hit the e-file button once I get that last piece of [...]
Free Frugal Downloads for Nov. 2
You don’t need to own a Kindle to take advantage of these offers. Amazon offers several free reading aps you can use to read these on your computer or other devices. Most of these are only going to be free today. Check the price carefully before clicking to make sure it’s still free. I’ve also [...]
Free Frugal Reads
Every day on my blog’s Facebook, http://www.facebook.com/DHM.CommonRoom, I post free finds that I think are worth at least a second glance. Visit my FB and like it so you don’t miss them. I’ve explained some of the ways to find your own free titles here. Using the free titles I have found at Amazon I [...]
5 Good Habits for Gaining Financial Stability and Independence
From the moment we are born we begin to learn those necessary skills to get us through life. But just because we have reached adulthood doesn’t mean we are done with that development, and in the world of finances a lot of us have fallen well behind where we should be. Fiscal health is an [...]
How to negotiate a discount on medical bills
When I submitted my upcoming medical need to Samaritan Ministries*** I received a list of tips on how to negotiate a discount on hospital or other medical bills. These tips can be used by anyone, regardless of whether they are members of Samaritan Ministries, so I’m sharing them here. Suggested Procedure for Negotiating a Reduction in [...]
Should An Emergency Fund Always Be In Cash?
Many economic counselors recommend having an emergency fund available for basic needs in case of a job lay-off or unforeseen emergency. With the recent economic downturn and the possibility of inflation within the next few years, I’ve been wondering if plumping up my emergency fund with more cash is the best method of preparation. In fact, [...]
Budgeting With A Purpose – Keeping Your Goal In Mind
Even for seasoned budgeting pros, there can be times when the day to day aspects of keeping up with a budget can seem annoying, irritating, or even daunting. This has happened to me before, especially when times are rough, I’m emotionally upset, or I just seem too busy to keep up with anything. At these [...]
Pear Budget and other tools
by Pc3 Frugal hack reader April @Question the Culture wrote a great little post on my question “Are you teaching frugality or just being broke?”. Go check it out http://questiontheculture.blogspot.com/2009/02/mini-sermon-aimed-at-me.html In the post she links to Meredith’s post on Pear Budget so I wandered over to Pear Budget and did some poking around. I gotta [...]
Frugal Savings Options – Does An Interest Rate Really Matter?
As a person who aspires to be frugal, I understand that spending less money is only part of the equation. Another piece of the frugal puzzle is to do more with what we already have, and that includes money. The why is easy enough to understand, but the how is another story altogether. Should I [...]
Creating A Price Book – Putting it into Use
So you gathered up your receipts for the past month or two, and you’ve created the beginning of a price book from them to help with comparison shopping for groceries. Now what? I use my price book every week to make sure I am paying the lowest price possible for every item I buy. I [...]
First Steps To Creating A Price Book For Frugal Grocery Shopping
The idea of a “price book”, or a method of determining the best price of the items you shop for, is one that is frequently mentioned as a frugal strategy for making the most of your shopping dollars. But the idea can be intimidating, or even overwhelming, for someone who has never considered the idea [...]
Start The New Year Off Right
Welcome to 2009! I hope you are happy, healthy, fiscally sound, and enjoying the new year with your loved ones. This is the time (if you have not already) to plan for the coming year. Prepare in your head, on paper, and commit to your frugal goals in the coming year – before half the [...]
Buying Quality On A Dime
Frugality, as readers of this blog know, isn’t just about spending the least amount of money possible. While using your money wisely is a key component to being a frugal person, that doesn’t mean that everything you own should be the cheapest version possible. Paying less for more is a useful mantra that can keep [...]
3 Quick Budgets Do’s and Don’ts
Along my current theme of budgeting, I wanted to start breaking down the myths that go along with the idea of a budget, and let everyone see that budgets can be fun and add value to your life, not restrictive and punitive. The word “budget” has such a harsh and negative connotation, and for me, [...]
