From the category archives:


Second Chances

by Krantcents · 6 comments

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Should people get second chances? Americans love comebacks, isn’t that a second chance? Every time you make a change, big or small is getting a second chance. What does the term second chance mean to you? If you are doing anything, you will make mistakes. If you get another chance at success, is it a second chance? Second chances are called do over, another shot, second shot, another take, take two, to just name a few. Read More…


Post image for Should I Buy, Rent a Home or Just Do Nothing?

Buy or rent a home is suddenly a question for me! My plan was always to move one last time to a single level home as I age and can no longer navigate two flights of stairs. I thought this decision would be far in the future because I am a healthy and very active adult (almost 68 years old). So what changed? Interest rates are low and home prices in southern California are not going down! I need to make a choice! Read More…


Post image for 5 Smart Ways to Cut your Expenses

How I cut my expenses may provide some insight how to save money.  Some people would call me cheap!  Others may say I am frugal!  I think of myself as value conscious!  I hate to spend more money for something than I need to.  My approach may cause you to rethink how you spend your money! Find out how you can live on less without feeling deprived! Read More…

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Post image for How to Buy Homeowners Insurance

Buying homeowners insurance is a necessity particularly where I live.  I live in southern California where the next big earthquake is days/weeks/months/years away!   A natural disaster that can wipe you out financially!.  I survived the Northridge earthquake without damage, but that was just luck.  California has a 99% chance of a big earthquake within thirty (30) years. Read More…

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Post image for 5 Frugal Reasons to Ride a Bike

Why I ride a bike? It is fun and it makes me happy! Do you remember how much fun riding a bike was when you were a kid? Guess what, it is still is! Riding a bike is exercise and good for the environment, but it is much more.  Why should you bicycle and what is so great about a bike? If you have to ask, you don’t know! If it has been a while since you rode your bike, here are some reasons to start.
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Post image for 10 Frugal Fun Things to do

Frugal fun things can be inexpensive without being boring! Being frugal does not mean you have to do nothing! If you deny yourself everything, you will eventually blow your budget. It is similar to a really strict diet; you cannot stay on one forever. The best way to remain frugal and still have fun is a little creativity. Frugal means living simply and economically. Here are some fun things and remain frugal!

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Post image for Is Paying Off your Mortgage Early a Good Idea?

Are you paying off your mortgage early? Many personal financial experts suggest prepaying your mortgage or paying extra principal payments to pay less interest over the life of the loan.  You can save a great deal of money by just paying few extra dollars in your monthly payment, pay bimonthly, biweekly, or just make an extra payment. Are you paying off your mortgage early?

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Post image for How Do You Track Your Expenses?

Track your expenses or you will overspend.  The simple answer is you have finite income! It is real easy to spend more money than you earn or have. Whenever I have cash in my pocket, I will spend it! It is one of the reasons I do not carry cash. Contrary to most personal finance gurus, I am much more careful when I use my credit card. How do you control your spending?

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Post image for Budgets and Diets Are a Waste of Time – Redux!

Budgets and diets are a waste of time!  Most, if not all personal finance (PF) bloggers are probably surprised I would say that.  A budget or diet is not the answer for overspending or overeating.   If these things worked for everyone, there would be no debt or overweight people.  A budget or diet is intended to help us reach a financial or personal goal.  Do budgets or diets even work? Read More…

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Happy New Year!

by Krantcents · 8 comments

Post image for Happy New Year!

Happy New Year!  Today is New Year’s Eve and tomorrow is full day of football games.  Living in Los Angeles, I look forward to the Rose Parade showing what is best about southern California.  If you don’t know, it is the weather!  The beaches, skiing, museums, theater, sports, parks and food are pretty good too.  It is hardly perfect, but it is home! Read More…

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