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Making Sense of Money

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Plan for the Unexpected!

September 18, 2012 by Justin

What do you do when the unexpected happens?  Things happen and you cannot do much about it.  You cannot plan for every expense, but you can plan for the unexpected!  You can set aside savings for the unexpected as an emergency fund.  Things happen such as illness or your car breaks down.  You probably have some savings, but not enough.  If you ...

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Filed Under: Uncategorized Tagged With: Budget, Budgeting, Cash, Consumerism, financial decisions, Frugal Living, Goal setting, Goals, information, lifestyle, Money, Planning, Savings

Friday Night Links: Fraud Edition

August 31, 2012 by Justin

I was a victim of online fraud!  Not in the usual sense, but read further for the whole story.  I started shopping online a couple years ago because it is easy and I can find the lowest prices by just using a shopping bot.  Although I am hardly a big time shopper, I have bought a variety of products online.  ...

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Filed Under: Uncategorized Tagged With: Cash, Consumerism, Credit cards, financial decisions, frugal, Goal setting, Goals, interesting, lifestyle, major purchases, Money, Personal Finance, Planning, Savings, Stretching your Money, Values

Individualized, Personalized and Customized Marketing!

August 29, 2012 by Justin

Individualized, Personalized and Customized Marketing is driving me nuts!  I am a baby boomer and tired of all the marketing directed to me.  I am not an AARP member, but I get solicitations from AARP routinely several times a year since I turned 50 years old.  If AARP were the only solicitation, I could just throw it out!  Maybe it is what these ...

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Filed Under: Lifestyle Tagged With: Cash, Consumerism, financial decisions, Goal setting, Goals, information, interesting, lifestyle, Money, Personal Finance, Planning, Savings, spending, Stretching your Money, Values, Wealth

Friday Night Links: Hot Hot Hot Edition

August 10, 2012 by Justin

Los Angeles is hot hot hot! The heat has finally made it West.  It is not unusual in southern California to have temperatures over a hundred degrees this time of year, but it lasting longer this year.  Humidity drops to low 20s or sometimes single digits.  Fires become common thanks to the winds that cause the higher temperatures.  In the last few ...

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Filed Under: Uncategorized Tagged With: Budgeting, Consumerism, financial decisions, Goal setting, Goals, information, interesting, lifestyle, Money, Personal Finance, Planning, spending, Stretching your Money, Wealth

Buy New Appliances and Save Money!

July 25, 2012 by Justin

 Yes, I am saying to buy new appliances and save money.  Recently, I bought a new refrigerator to replace a nineteen (19) year old refrigerator.  It was freezing up and leaking water from the freezer.  It just didn’t make sense to repair because of the age and we wanted a stainless steel one to match relatively new dishwasher.  I hate shopping for ...

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Filed Under: Lifestyle Tagged With: Budget, Budgeting, Cash, Consumerism, Credit cards, Finance, financial decisions, frugal, Frugal Living, Goal setting, Goals, information, lifestyle, Money, Personal Finance, Planning, Savings, spending, Values, Wealth

Cash Is King or Is It?

June 27, 2012 by Justin

If cash is king, why do we keep inventing new ways to pay for things?  Mobile payments, debit cards and let’s not forget credit cards.  There are a variety of credit cards such as cash back, rewards, charge cards, travel, affinity, low interest and airline to name just  a few.  A recent survey (Rasmussen Reports) indicates 43% of adults stopped ...

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Filed Under: Managing Money Tagged With: Budget, Budgeting, Cash, Consumerism, Credit cards, financial decisions, interesting, lifestyle, Money, Personal Finance, Planning, Values

Friday Night Links: Kindle Edition

June 15, 2012 by Justin

I got a Kindle for Father’s Day!  I know, what is the big deal?  A few years ago, my children started buying me gifts that I would not buy for myself.  It started with an iPod and went from there.  I received the Kindle early because my daughter is on vacation.  After charging it, I looked for some books on the library website.  Odd, I know to look ...

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Filed Under: Uncategorized Tagged With: Budgeting, Consumerism, financial decisions, Frugal Living, information, interesting, lifestyle, spending, Stretching your Money, Values, Wealth

There Is No Such Thing as a Free Lunch (TINSTAAFL)

May 9, 2012 by Justin

Free lunch was commonplace in the mid 1800s in saloons when you bought a drink.  It was an enticement to come into the saloon and buy drinks.  The price of food was included in the price of the drinks.  The acronym TINSTAAFL coined much later to express that you do not get something for nothing!  Even when things appear free, there is always a  ...

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Filed Under: Lifestyle Tagged With: Cash, Consumerism, debt, financial decisions, Frugal Living, information, interesting, lifestyle, Money, Personal Finance, Planning, spending, Stretching your Money, Values

Friday Night Links: Pizza Edition

May 4, 2012 by Justin

I have been searching for New York pizza in Los Angeles since I arrived here nearly 42 years ago.  I have found it several times in various locations in and around Los Angeles.  The most recent was terrific little place run by an ex New Yorker just five (5) miles from home.  The crust just tastes different when it is an authentic New York pizza.  I ...

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Filed Under: Uncategorized Tagged With: Careers, Cash, Consumerism, financial decisions, Frugal Living, information, interesting, lifestyle, Personal Finance, Planning, Stretching your Money, Values

Friday Night Links: Desk Chair Edition

April 27, 2012 by Justin

Why is a desk chair so important?  Do you have back problems?  Which came first the back problems or a bad chair?  I worked in an office almost my entire working life and had good and bad chairs.  Although I had a very good desk chair, it was not appropriate to sit in it for hours.  After just a few hours, my posterior was numb and I needed a ...

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Filed Under: Uncategorized Tagged With: Budget, Budgeting, Cash, Consumerism, financial decisions, Frugal Living, information, interesting, lifestyle, major purchases, Money, Personal Finance, Savings, spending, Stretching your Money, Values

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