From the category archives:


I am an animal lover, and probably would do anything for my dog, but there are items that my wife and I clearly waste money on.  Upgrading to the oatmeal bath at the groomer or always buying a toy or stuffed animal could probably easily be avoided.  Pet industry spending is at an all-time high.  According to the American Pet Products Association, it is estimated that $60.59 billion will be spent on our pets, compared to $36.3 billion in 2005.  Of this total 25% is vet care, which obviously I’m not trying to skimp on, but there are things that we could cut back on.

Dog Bakeries

If it did not say “dog bakery” on the sign, you could not tell this was only for dogs, as it features oven baked all natural dog treats that resemble cakes, donuts, hamburgers, or the always popular ice cream.  We enjoy supporting local business in our small downtown, but every time we come in and purchase a bag full of treats for $3 each, I’m thinking is this really necessary when we have boxes full of milk bones at home.


My wife would probably dress our cockapoo for all of the four seasons if she could, so it’s a constant battle in our house that I refuse to stand down on.  Customized collars, sweaters in the winter, Halloween costumes, I’m sure you’ve seen all kinds, but the fact is, it looks ridiculous and it’s a complete waste of money.

Pet Hotels

No one wants to put their pet in a kennel, and neither would I.  We are fortunate to have many family and friends available that would watch our dog if we were out of town, but the new advertised luxury pet boarding that feature a spa, suites, and premium meals is a little extreme.  If you’re caring for our animal while we’re away by giving bathroom breaks, playing, feeding, there’s no “luxury” other than the premium pricing you are paying.


We do spoil our dog, that’s a given.  Our dog is a member of our family and we want the very best for her.  Friends have said that she doesn’t get along with other dogs because we treat her like a person, so obviously there are some areas we could cut back on.  We do it because it’s fun, the simple pleasures in life, but who am I kidding, we will always spoil her, adding to the growing pet spending statistics.

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The fragile state of the economy just now has seen an increase in the numbers of people seeking part-time jobs, in addition to their full-time gigs, to supplement their incomes. People opt for various different job choices for earning this extra cash, depending on their particular skills and interests, with gaming having emerged as a popular choice in recent times – thanks to the rise in sites like coupled with the access from mobile devices.

There is no doubt that gambling can be a sustainable way of earning cash – the proof is those who make a living as professional gamblers. However unless you are very good, you are better viewing it as a way of having fun and earning extra cash, rather than as your primary income. However, this does not mean you shouldn’t view gaming as a way of earning money, as it can certainly be a fun way to do that.

The key to achieving this is to know when to quit. Bad gamblers chase their losses and keep betting for the thrill of it, rather than walking away when they have achieved a decent financial result. Being able to gamble responsibly – which means staying in control and not gambling any more than you can afford – is essential to earning regular money from it. Furthermore, the more skilled you become at the games, the more you can make – while the choice of land-based casinos or online ones that you can access from home, means it can be a great part-time option for those with busy lives.

Thus, as you can see, a gambling career is not easy to achieve, but nor is it impossible – with the keys lying in responsible gambling and developing your abilities. This won’t suit everyone, but there are other part-time career options out there – from teaching English online to becoming a dog walker – so everyone should be able to find something that works for them.

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Post image for Money Is different for Men and Women

Money, what is it?  Would it surprise you to learn men and women view money differently?  The standard definition for money is any object or record, that is generally accepted as payment for goods and services and repayment of debts in a given country or socioeconomic context.  Money is officially-issued legal tender consisting of currency and coin. Men and women spend and invest money differently!  Why? Read More…

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Post image for Never Pay Full Price for Anything

Who pays full price for a car?  No one!  Yet there are stories of people paying over list price for high demand vehicles such as Toyota Prius.  Do you negotiate prices in every purchase?  Of course not, that would be too much trouble.  So when would it be worth it?  There are two (2) categories of purchases that would be worth negotiating a better price.  The first is a large purchase such as buying a house, car or travel. Read More…

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Post image for 25  Simple Changes to Save Money

These are 25 simple changes to save money, I use daily/weekly/monthly and they work!  I learned at a very early age that I needed to save my money to get the things I wanted.  Notice, I said the things I wanted.  My parents provided the things I needed!  Previously, I wrote “10 Changes Can Make Millions” and I thought I would share some more.  Start making changes today and you can start saving for what you want too. Read More…

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Post image for Are You Rich or Just acting Rich?

Are you rich or just acting rich? I know all your friends are spending the summer in the Hamptons and you just want to fit in or maybe you are trying to impress your girl. Whatever the reason, you do not have the break the bank to look wealthy and it is not what you think anyway. They tend to dress in classic clothes. They dress for comfort!

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Post image for Can You Live without these Things?

I can live without these things and I am okay!!  You make New Year’s Resolutions to lose weight, set goals or budget and you need to make choices.  So it is a very relevant question!  What will you give up to achieve your goals?  It could range from dessert, sleep to exercise, dining out or entertainment.  Here are ten (10) things I can live without! Read More…

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Happy New Year 2015

by Krantcents · 6 comments

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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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Happy Holidays

by Krantcents · 2 comments

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The holidays are family time.  Holidays in many parts of the world mean vacation.  In my former (CFO) career, the end of year was the busiest.  When I worked in the electronics/computer industry, the week between Christmas and New Years was a company shutdown.  In other words, we had paid time off, except I generally worked some days to prepare for year end.  As a teacher, this is vacation time! Read More…

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My Warranty Expired!

by Krantcents

Post image for My Warranty Expired!

My good health warranty  expired!. I am at an age (68 years old) when my  warranty expired long ago! I am referring to the manufacturer’s warranty I noticed little things are starting to either malfunction or are worn out.  I have excellent healthcare, but I need to take action. What does this have to do with personal finance? Everything! Read More…

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