debt debs

Personal Debt Wrangler – Had my money head in the sand – but no more!


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Top Ten Reasons You Need to Manage Your Finances

Big big post for you here today folks.  It’s time for another Top Ten Reasons à la David Letterman style. This time I’ve brought my good blogger friends to back up my points.  You know, just so you don’t think I make this stuff up and all.

Last time I did the Top Ten I kinda screwed it up. I forget that Dave goes in reverse. What can I say? I was a Leno fan.

Speaking of the Tonight Show, who’s enjoying it with Fallon as the host? I love the opening music (don’t ask why, but if I turn the channel too late after watching the news and miss the opening music I’m bummed up.  Hey hey hey hey….Hey hey hey hey… Hey hey hey hey… hey hey hey hey)

It’s definitely different than Leno. I like the musical numbers he does.  Plus he does a good Vladimir Putin.  I miss headlines, and jaywalking though. Did anyone see it the other night when they had the zoo animals on?  No?  Okay well you’re in luck because I have it for you below.

At about 3 minutes in the trainer pretended the little albino alligator snapped at Jimmy and he ended up in the corner because he got so scared.   Then they brought the big mama albino alligator out and he looked like he was going to run out of the studio. Meanwhile his female guest, Rosario Dawson, was handling the little white baby like a pro.

You can view the video directly on YouTube by clicking here

Also see the follow-on video with Roxie the big big elephant here.  I’m a little reluctant to share these videos because I’m not a big fan of animals in captivity.  Share your thoughts in the comments, if you like.

Anyways, I digress, so back to the Top Ten.

Top Ten Reasons You Need to Manage Your Finances

goats-kids#10.  Your kids – Read this heartfelt story from Vanessa of the Cash Cow Couple who wrote at The Heavy Purse

The Surprising Consequences of Keeping Your Kids in the Dark about Your Finances

Vanessa explains how important it is to explain any ways you are managing money in an open and practical manner, focusing on the positive with your children.  You do not want to create fear in your child which can develop into unhealthy money and spending habits that take years to overcome.  As a mother, I wonder if I’ve made these mistakes, even if meaning well.  All I can do is look forward and help educate other parents about this as well.

Top Ninth Reason You Need to Manage Your Finances

fast-food-not-frugal#9.  You may end up having to go on a cash diet – Grayson Bell at Frugal Rules is putting himself on one because he says he’s spending too much on fast food.

It is Time to go on a Cash Diet

There’s no shame if you have to go this route, it’s better than letting a problem perpetuate and maybe become an even harder habit to break.  I’ve decided I may need to put The Irishman on a cash grocery diet if the poker chips don’t work.  What is it with men and grocery stores?  Is it just mine?  OK, then, carry on.

Top Eighth Reason You Need to Manage Your Finances

duck-bill#8.  You may be paying for stuff you don’t know about – Dee at Color Me Frugal found out the hard way when she was suddenly billed for something that apparently was in the contract but they weren’t aware.

Why It’s Important to Check in With Your Billers Regularly

At least through some whining negotiating she was able to cut her losses in half, but if she hadn’t checked her bill closely she would have been none the wiser for that time and going forward.  BTW, the duck named Bill totally agrees with me.

Top Seventh Reason You Need to Manage Your Finances

Bread#7.  You’re paying for a lot more than the food you order when you eat out according to Karen at Suburban Finance.

Hidden Costs in Restaurants

She reminds us of the extra costs of sides and add-ons as well as the variability across geographies.  What get’s me the most is how these options are always presented in such a way as to make you think they are doing you a big favour, bringing you bread or asking if you like something extra, with no hint that there’s extra cost involved and they’re just trying to up-sell and increase they’re profit margin.  Good marketing for them… bad for you and your pocketbook!  Besides who wants to pay extra for bread that looks like worms?

Top Sixth Reason You Need to Manage Your Finances

gas-prices#6.  You may be missing out on better opportunities if you don’t do the math and calculate your costs that support your income earning potential or even just your costs to support your family.  How many times have you driven across town to hit a sale but basically blew most of your savings on gas?  Crystal at Budgeting in the Fun Stuff discusses how this has impacted her in:

Opportunity Costs at Work

Now with the price of gas these days is through the roof.  I use GasBuddy.com to find the best prices in my vicinity.  $139.8/litre last reported 50 minutes ago at my favourite nearby station (which in US gas terms is $4.915/gal  using these handy dandy Bank of Canada daily currency converter and gas converter tools!)

Top Fifth Reason You Need to Manage Your Finances

Germany#5. What if a great opportunity came along, something you always wanted to do but then you couldn’t because you didn’t have the financial means necessary to support the endeavor?  So like, let’s just say that Erin of Broke Millennial had this chance (she doesn’t) to move to Germany (she’s not) but didn’t have the funds to pay her way over until she could get reimbursed by her new employer?  Ya, that would suck ay?  Well Erin explores all things about why she should move to Germany in … drum roll…

Perhaps I Should Move to Germany?

Basically she proves that she would never be caught with her pants on the ground and not ready to move to Germany or anywhere if the right opportunity came up because she rocks managing her money!!   Besides, who wouldn’t want to move to Germany on a moment’s notice with cool looking architecture like this?

flickr-John-MorganTop Fourth Reason You Need to Manage Your Finances

#4.  If you manage your finances then you have extra money to buy important stuff like dividend paying stocks which is a nice form of passive income.  I don’t have any extra money these days so I just drool when I read posts like this from Dividend Mantra.

Recent Buy

So I just follow a long like I’m using play monopoly money so I can learn the ropes and look forward to the day when I have some extra cash and I can write a post call Recent Buy except I will call it Decent Recent Buy, because my name is Debt Debs and I have to get at least one D and some rhyme in there because that’s how I roll.

Top Third Reason You Need to Manage Your Finances

Dollar-Store-shopping#3.  Wow, I can’t believe I’m already at #3.  For this one I need to say categorically you need to manage your finances so that you can shop at the dollar store.  Huh?  Yes, you need to shop at the dollar store for two reasons.  #1 you can get some okay things at the dollar store and there is no reason to go buy some overpriced thing when the dollar store version is just fine.  Girl Meets Debt knows about some of these things and also some that you should not buy at the dollar store.

5 Things to Buy (and Avoid) at the Dollar Store

I’d like to add pens to her list of things to buy at the dollar store.  But what’s the #2 reason you need to shop at the dollar store?  You need to remember what it was like when you shopped at the dollar store to get your shopping fix because you didn’t have any money and spending just $10 on some dish cloths, some plastic hangers, a couple of cards and a candle was enough to make you realize, you didn’t need to shop anymore to feel good.  Stay humble…. and never be a collector of needless stuff again.

Top Second Reason You Need to Manage Your Finances

standard-poodle#2.  If something is really important to you and you need money for it, it’s not fun when you don’t have the money for it.  Our beloved standard poodle passed away January 2013, and though I still grieve for him, I think I will soon be ready to get another Standard Poodle, this time from a rescue organization like SPIN or SPRO.  It just sucks that we don’t have the money in our budget because pets can be expensive.  But I bawled my eyes out yesterday when I read about LBee & the Money Tree having a really rough week losing her beloved dog, Murray.

For Murray

Her love for that pooch was so apparent in her words and the wonderful pictures she shared.  It reminded me how much we loved and miss Fergus, and know that one day, we will share our love again with a standard poodle rescue.  It’s not a matter of if, it’s when.  And if I had been a better money manager, it would be tomorrow that I would get another dog.

The #1 Top Reason You Need to Manage Your Finances

happy-piggybank#1.  And the #1 reason why you need to manage your finances is an oldie but goodie found on Rockstar Finance from Will at First Quarter Finance.  You may find out that you actually enjoy saving money!

How to Enjoy Saving Money!

Now there’s a novel concept, and one, I myself, can vouch for!  Go figure…

Images courtesy of morguefile except where noted
Monopoly Money / John Morgan / flickr
Dollarama / Michael_Swan / flickr

Happy #FinSavSat folks!  Enjoy your weekend!

Debt Discipline
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Worth IT Wednesday! ~ Blog Reader Choice

Worth-IT-WednesdaySome of these Worth it Wednesday posts are becoming a little bit techy, hence I capitalize the IT in the title on these sorts of posts!

This post will be a little face off between feedly and Bloglovin with a few other personal updates thrown in at the bottom.

feedly

feedly icon (looks familiar)

Bloglovin

Bloglovin icon (who knew?)

Last Wednesday I asked for some help on choosing a good blog reader that would work on an Android tablet and I got 5 responses (I think 3 of them I entered on behalf of those that responded in the comments – note to self:  they’re not a big fan of polls in the personal finance community 😀 ).

So the consensus was 60% Bloglovin’ and 40% feedly as the tools of choice.  Being that the vote was somewhat arbitrary (translation:  lame  not many responses), I decided to try out both applications on my new Yoga Lenovo B8000-F tablet that I got for Mother’s Day to see which one I liked better.

I installed both straight way and tried feedly (aka feebly, BTW their brand is with lower case “f”, kinda like my “d’s” 😉 ) first.  Some of the comments below pertain also to the non-tablet version as well.  I’ve tried to highlight only the features that I see as different between the two apps.

If you think I’ve missed something, or I’ve mistakenly noted something that is incorrect, only because I don’t know how to use the tool yet ….which is entirely possible…. please let me know.

feedly on Android Tablet

Pros ~

  1. Ability to group your feeds into different categories i.e. Debt Blogs, Investment Blogs, Blog Blogs, Dog Blogs, God Blogs, Funny Blogs, Oh My Blogs.  These topic lists can also help to prioritize your blog reading, as in PF Favs, New, etc.
  2. Ability to mark items as “Save for Later” if you want to read later, or comment later, or send to Pinterest etc. later.
  3. You can go back to recently read, if you swipe away a page and then realize you want to go back to it.
  4. You can sort the posts so that oldest shows first.  (Good for anal people like me who don’t want to miss anything)
  5. You can mark specific blogs as “Must Reads” and select those for fast and easy priority reading.
  6. There is an ability to link it up to Evernote, but I must admit I don’t know what the advantage is with this or how to do it.  Evernote looks like a cool app though.  Anyone use it?

Cons ~

  1. Not very intuitive to know how to add blogs (but that could just be me as I’m still learning how to use the tablet)
  2. When leaving comments, often my screen would disappear and I would lose my comment.  This could be user error on my part, but it happened enough and I can’t tell what sequence of events prompted it, to say that it’s a bit finicky.   I also noticed that it stays in a feedly screen as opposed to launching the website in your browser.   This may have something to do with it.

Bloglovin’ on Android Tablet

 Pros ~

  1. You have the ability to like posts which I think can be used similarly as the “Save for Later” above in feedly.  I know I said I would only talk about the differences between the e-readers; I just point this out because it is a little different.  In addition, you can see how many “Likes” have been marked by all Bloglovin readers for a particular post.
  2. Posts are marked as unread until you mark them read.  They do not disappear, but any blogs with all read posts, will move down your reader list, so that only blogs with unread posts show at the top (I didn’t notice this at first).
  3. When you select “View original post”, it opens it in your preferred browser which is preferable and may avoid the commenting problems I noted above on Feedly.

Cons ~

  1. No ability to group your feeds under different topic lists.  For me this is a big missing feature.
  2. Posts sort in following order:  Unread first (good), most recent first (not alterable).  This may not be a bad thing for people who are trying to be more efficient and effective, because likely they will want to read and comment on the most recent post, and skim the others for something that spikes their interest.

So what am I doing now?  Oh.my.blog, I wanted a reader application to help me do damage control on my email.  Now I’ve got two readers going on top of my email.  LOL  They are a nice way to track the blogs you follow, no doubt about it.

So the conclusion is – there is no clear favourite, for me anyways.  I’m leaning a little more to feedly if I can get the commenting thing sorted out.

I need to figure out if I’m going to drop one or use each for different purposes or different blog lists. Dunno.  I promise I won’t do another post on it, because this is boring the death out of me, so I can just imagine what it is doing to anyone reading this!!

P.S.  You may notice I added the two follow buttons at the top right of my blog.  Of course, email, facebook and wordpress are still other good options and buttons are up there too!  Gotta keep those options open!  Can anyone help me with that RSS button?  I still don’t know what that is and where it’s going.  HAAALP.

Post editorial add:  Holy crap, I may take away my endorsement of feedly because I just tried to look at my own blog in there and when I click on the link to “Visit website”, once you start scrolling down the page turns to just my page background and you can’t get back to the post.  Not nice.  Don’t go there.

Update 26 May 2014:  Well I never heard back from feedly after submitting 2 tickets but it appears that the display of my blog is fixed on the Android.   Yay!

OK, on to other news!

FinSavSatI am co-hosting the Financially Savvy Saturdays blog hop with creator Femme Frugality this week.  Check out last week’s edition which was co-hosted by Hayley @ A Disease Called Debt for more info. Plan to join in starting on Saturday with a recent non-sponsored/giveaway post from this week.  A new post will be here early Saturday (including this weeks html code to add to your post) for you to link up to.  A great way for people to highlight their favourite posts plus it’s fun and easy peasy!  #FinSavSat

Things are a little crazy around here on a number of fronts. I’ll point out the $finance impacts, because these points are obviously personal.

DoodleWe have a guest for the next four days while my sis and her husband take a short trip.  He will be back again for a week later in May when they go on their cruise without us.  Yes, I am very happy about that spending decision, even though they offered to pay.  Never mind the hidden financial impacts, it just feels right too.  Plus I get to spend four fabulous days with this awesome pooch!  We are doggy owners again!  For four days!  Count our blessings!!  $no dog for us right now due to no money in the budget$

My daughter and her family are closing on their new home today; they start moving some breakable stuff today and the movers are coming tomorrow.  They will be about 13 minutes closer to our home which means 7 minutes only to see my grandson!  Heeee!!  $less gas$ $can ride my bike in about 20 minutes$

Okay, that’s a wrap.  This post has been written with only 11 revisions.  Holy cow.  What have I forgotten to do?


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Frugal Fraggles, Rocks and Poodles

03 Aug 2008 097Is anyone wondering what this strange picture is that I have as my avatar?

I am, so I interviewed myself to find out what’s up with that.

Ya, what is it?

This is a Fraggle.  It was lovingly hand painted with gel pens in a pseudo tattoo on my arm by my niece.  We have a book at the cottage which the kids used as a reference to create their own hand drawn tattoos.  I highly recommended this activity for kids.  Shannon Ryan @ The Heavy Purse has lots of great ideas on  how to raise financially literate children.  This qualifies as a frugal activity for your kids.  We bought the gel pens at Costco in a multitude of colours and they lasted for more than two summers.

Oh, but what’s a Fraggle?

Fraggles are the muppets characters in a series from Jim Henson called Fraggle Rock.

I think my tattoo is a variation on the character called Wembley in this very appropriate video for a PF blog of Wembley’s 30 minute work week!

*To view this video on YouTube Click here

Why did you choose this image for your avatar?

I wanted something fun.  Plus I think it looks like he is running away screaming from his debt, dontcha think?

I can identify.  So we instantly bonded.

Plus I wanted to hide under a rock when I first acknowledged out debt situation.

Fraggle sounds a lot like frugal.  I’m in love.

While we’re on the topic, do you have any other rock connections?

Painted RockI painted rocks one summer.  I found smooth and unique and oddly shaped rocks and painted them.  Some with loons and ducks on them.  Some with words and sayings and poems.  I found a new canvas for my acrylic paints.  It was fun!  And mighty cheap entertainment.  At left is a cardinal painted on a tiny rock.

BrokeGirlRich wrote about her trip to the big ball of twine in Darwin, Minnesota and included a video and song from Weird Al Yankovic.  (It’s quite hilarious … you should watch it!)   In it he talked about Poodle Dog Rock which appears to be somewhere in Nevada.  I couldn’t put a picture on this post, as I couldn’t find one available under Creative Commons License, so I’ve just linked a beautiful night photo of it.   Here’s another big rock that looks like a dog.  Upon further inspection, both photos look more like a mini poodle rocks.  My  penchant is for Standard Poodles… yup, the big big poodles.  Here are some beautiful poodles up on a big rock mountain.   Karen says they’re yodelling.  I think they are singing the song mentioning Poodle Dogs.

Flickr: Karen

Flickr: Karen

There's Elvis-O-Rama, the Tupperware Museum,
The Boll Weevil Monument, and Cranberry World,
The Shuffleboard Hall Of Fame, Poodle Dog Rock,
And The Mecca of Albino Squirrels
We've been to ghost towns, theme parks, wax museums,
And a place where you can drive through the middle of a tree
We've seen alligator farms and tarantula ranches,
But there's still one thing we gotta see ....
Flickr: Karen

Flickr: Karen

Some other cute photos of poodles and rocks that I have no license to include in this post, so I’ll just provide the links:

OK clearly I could go on and on with STANDARD poodle picture links to poodles and rocks.  Either I’m off my rock(er) or I just love standard poodles that much.  You be the judge.

flickr:  Erica Frank

flickr: Erica Frank

Speaking about rocks, I’m heading up to Sudbury, Ontario for Easter.  Anyone that knows the city will acknowledge it is built on one big pile of rocks.  Along the same lines as the giant ball of twine, Sudbury has a giant nickel.  I wonder if the nickel will be next to become extinct, now that the penny is gone.

Gros Morne NFLDOf course, the place in Canada, that’s known as THE ROCK is the island province of NEWFOUNDLAND.   Here’s a photo from Rocky Harbour near Gros Morne National Park.

Last point on the subject of ROCKS, have you ever listened to the works of Carl Reiner interviewing Mel Brooks as the 2000 year old man?  At about 5 minutes in, they talk about the first language being the ROCK language.  I won’t say more but let you listen to it.  I find this very entertaining.  Before that, about 4 minutes, they talk about the jobs that were existing 2000 years ago, among those being hitting a tree with a piece of wood, looking in the sky and watching each other.  Tough work if you can get it.   Enjoy!!

*To view this video on YouTube Click here

So that’s all I have to say on rocks and frugal fraggles and frisky poodles.  Have a rockin‘ Easter weekend!

brokeGIRLrich

This post is another as part of the Financially Savvy Saturdays blog hop.

Click on the link above and join in!