Maybe my financial discipline has become ingrained. Or am I fooling myself?
When I struggled with money during the 1990s, I had no clue what I was spending each month. I made my financial decisions based on my checkbook balance: If there were a few bucks left, I’d find ways to spend the money; if my balance was close to zero (as in $10 or $20), I’d turn to my credit cards. Where did this money go? If you’d have asked me, I wouldn’t have known.
As part of my financial turnaround, I learned to track my spending. In fact, this was one of the most effective tools in getting me to change my spending habits. Every week, I’d sit down at the computer to enter my receipts into Quicken. Once or twice a month, I’d play with the graphs and reports, keeping an eye on the problem spots. By tracking every penny that I earned and spent, I became more aware of my habits.
But something’s happened lately.
New study shows that a surprising number of tanning booth frequenters have tried to cut back but can't.
OK. I’m not addicted to tanning, but it seems that a surprising number of people are.
A new study featured in the Archives of Dermatology found that of 421 college students who were interviewed, 229 had used a tanning bed/booth -- on average, 23 times -- in the last year, and 31% to 39% of those students met criteria for addiction, depending on which addiction measure was used. Those students tanned on average 40 times in the last year, but some visited the salon 100 times.
Just in time for Earth Day: A garbage strike and a garbage-stuffed whale.
In other news: Union garbage haulers agreed to return to work after a two-day strike. There’s still no contract but at least the two sides are talking again. Or will be, come Monday.
I sure am glad those trucks are rolling once more. The apartment building’s Dumpster is right under my window.
As for the whale’s stomach contents, all I can say is it doesn’t surprise me. We humans are a trashy bunch.
Free ice cream and pretzels plus BOGO tickets to minor league baseball games.
Where did the week go? Here it is Friday again and time for Friday food deals and freebies, with a few inedible offers added just for fun.
This is the last weekend for free admission to all U.S. national parks, though some are always free.
Some of last week’s deals and coupons are still valid. Kelli
B. Grant from partner SmartMoney has some store coupons at the end of her post.
You’ve got three chances for free or cheap ice cream.
Tactfully pointing out sales to the bride; plus, valuable weekend coupons.
Serving as a member of the bridal party on a friend’s special day may be a priceless experience, but it’s one that doesn’t come cheap.
In 2009, the average bridesmaid spent $1,009, including her dress, airfare and bridal shower, bachelorette party and wedding gifts, according to The Wedding Report, a market researcher. (Last year was the first year the group collected data on bridesmaid costs.) By 2014, that average is expected to creep up 2%, to $1,029.
It's now easier to track your minutes, evaluate your bill for potential savings and swap contracts.
One of the all-time best ways to save money is to cut your cell phone bill. My cell phone bill goes through what I call scope creep. Scope creep is a term in the consulting business to describe a project that slowly grows out of control, and it can describe a cell phone bill as lines and features slowly get added over the years.
- Bing: Best cell phone plans
So we put together this list of tips and tricks to lower your cell phone bill. If you know of other ways to cut your cellular bill, leave a comment and let us know.
- Stay under your minutes. Nothing drives me crazy like seeing a big, fat charge on my cell phone bill because we went over our minutes. If this is a habitual problem, you’ll want to either change cell phone plans or cut your talk time. One great tool to help monitor your usage is OverMyMinutes (hat tip: Lazy Man and Money), a free tool that sends you a text message or e-mail when you are about to run over your limit.
There's also less room between seats, so more passengers can fit on the planes.
Ah, airline travel these days. You pay for the privileges of checking a bag, picking a seat, quenching your thirst and -- on Spirit Airlines -- bringing a carry-on bag on board starting in August.
One thing you won’t be able to buy on some of Spirit’s flights is a reclining seat. SunSentinel.com reports that Spirit has two new airplanes that come with nonreclining -- inappropriately called "prereclined" -- seats, and two more are on the way.
Sure, you should buy gently used cars, but at what point should you get rid of them?
My basic advice on cars is that you should buy them mildly used, two to four years old, and drive them until they are inert heaps of rust. This is based on the commonplace observation that used cars are generally a better deal for buyers, that is that, relative to new ones, they are cheaper than really makes sense.
Whether this disconnect between new and used car prices is because consumers irrationally prefer new ones or irrationally fear used ones is a metaphysical question I am not going to answer. But the gap is there, and many personal-finance types will advise you to buy used rather than new because of it. I don’t disagree, but there is an equally important second principle to be drawn from the new/used price anomaly. Besides “never buy new” there is “never sell used.”
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