Category Archives: BRAINSTORMING A BUDGET PLAN

Budgeting Your Electronic Gadgets Billings: Part IV

What Services Can You Budget? I asked this question in one of my my first posts about Budgeting Your Electronic Gadgets Billings: Part I: Are electronic gadget utility bills a major budget concern for you? Do you want to save money on your electronic gadget service provider bills each month? Can you drastically reduce the amounts you are paying now? I will relate updates to what I did then and what I know now. Once again, I am going to name providers because it ties in with my […]

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The Art Of Cyber Crime

Equifax Conundrum This morning I received notice from the Equifax Breach Settlement Administrator informing me of the following: “In September of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. Equifax has reached a proposed settlement to resolve class action lawsuits brought by consumers alleging Equifax failed to adequately protect their personal information. Equifax denies any wrongdoing, and no judgment or finding of wrongdoing has been made.  If your personal information was impacted in the Equifax data breach, […]

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Budgeting Your Electronic Gadgets Billings: Part III

Do You Really Need Cell Phone Insurance When I wrote “Budgeting Your Electronic Billings: Part II“, I advised at the end of that article to buy insurance for your phone. Shortly afterwards, my bill with Verizon jumped $12.00 a month. This raised my monthly expense from $96. To $108. My goal was to keep the cost below $100. After wrestling with a $178. expense for 2 years paying off 2- iPhone 6 Plus models, saving $82 a month was a big deal for me. I was able […]

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Budgeting Your Electronic Gadgets Billings: Part II

What Influences Your Purchase In my previous article, “Budgeting Your Electronic Gadgets Billings“, I basically talked about the cost of dealing with the utility providers. It has been my most popular blog for some reason. Even though I write on many different topics, it seems like the cost of having electronic gadgets is a paramount concern to readers. When I go on the internet to look for similar answers from other sources, I find very little info. At the most, I see ads trying to influence the […]

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My Dealings With Credit: Early Experiences

My First Credit When I bought my first car at the age of 18, my mom co-signed for the loan. It was for a used 1962 Volkswagen bug that I paid $1,200 for. It was a gamble because I had no idea how to drive a stick shift transmission in a vehicle. I had to lie that I did. It was an early entrance into my off-the-wall forays into how I would live my life. Having no credit record to my name, I needed her to give […]

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Growing Ones Budgeted Money Supply

Who Do You Listen To Investment newsletters are the bane of my money-making existence. I have probably subscribed to more periodicals with sensational claims about fantastic returns than anybody. They offer you tantalizing tidbits that promise high returns within a short period of time. You pay a high price for access to their secret power trip. What these newsletters really are selling is a “shortcut” to knowledge you can eventually obtain for yourself. With a little effort, you can do your own research and find out the […]

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The Monster Heating Bill

Shocked Me To The Core I live in the Panhandle Of Florida. I used to live in Ft. Lauderdale where the winter temperatures usually do not get below the 60’s at night. We get down into the teens occasionally in this Northwest part of the state. During the winter of 2018, the electric bill that came in January looked like a typo. It was for $589.00. I thought at first that maybe the power company had combined 2 months worth of billings for some weird reason. Not […]

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Running Short Of Cash

Stories About Being Broke Are Abundant I wanted to see what stories existed that were written by people who had experienced the malady first hand. So I went on the internet and read a bunch of them. Kind of depressing. Drinking, cigarettes, credit cards, unaffordable cars, unemployment, bad friends, you name it. The examples of why, or reasons for are endless. Bad spending habits seem to be the center of it all. If you spend $125 for every $100 you earn, it won’t take very long to […]

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Buying New Or Fixing What You Have: Part I

Creative Solutions I have a hand-held Dymo Labeler that I use to print out labels for file folders, spice bottles, and miscellaneous tags. It uses a simple pop-in tape cartridge to print various sizes of letters on a glossy background. Batteries power the unit or you can purchase an optional plug-in electric charger. I had not used it for a long time but found need for it recently after building a spice rack for our new pantry. When I turned it on to test it, the message […]

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The New Car Conspiracy

The Latest And The Greatest Have you noticed that it is getting harder for car manufacturers to come up with a unique design to set your new car apart from all the others? Or, coming up with a design that makes you want to trade in your old vehicles for a flashy new one? Gingerbread, wheel flares, exotic colors, and weird body styles are part of the game. Is it worth it? Part of the lure involves posh interiors, super electronic functionality, rear view video cameras, and […]

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