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Nightmares: The Lack of Sleep that Causes Them
Read more: Nightmares: The Lack of Sleep that Causes ThemYou had a busy day at work, and you got home exhausted. You did not get to bed at a decent hour the night before. It’s time to cook dinner and you tell yourself I’m too exhausted to cook, let’s just get takeout. With a family of 4 that will cost you at least 50…
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Financial Books Over Promise
Read more: Financial Books Over PromiseI have read my share of personal finance books that over promise that they are going to teach to be rich. “Just think rich and become rich”. Most books fail to tell you how to make it financially happen. Yes, you do need to change how you think about money. Also, there is no one…
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Finding my motivation
Read more: Finding my motivationI struggle with staying motivated. I get lots of ideas try them out for a few days and move on. It’s harder when you spend money on some and try to justify trying things where you want to try new things but know it will probably pass in a couple of days. I get very…
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Being a Landlord
Read more: Being a LandlordMy spouse and I have talked about becoming landlords so many times. What stops me is the stress of dealing with tenants: keeping up with rent, repairing things, complainants and especially bad tenants. I do not see the value in it or having a service do it for us. I do like real estate just…
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Bloody Brillant
Read more: Bloody BrillantWhy are “buy now pay later” loans for small purchases so brilliant? So I am walking through a store and see something that I want but I know I don’t have the money to pay for it. So they offer a buy now pay later loan of 4 payments. So now I can divide the…
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Kia/Hyundai Fiasco
Read more: Kia/Hyundai FiascoI am part of the Kia/Hyundai chaos going on in America. When we bought my car, we found the cheapest thing on the lot because we would be having 2 car payments at the time, and we knew our budget would be even tighter. Consequently, we are now in a conundrum of what to do…
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Values for the Future & Now
Read more: Values for the Future & NowWhat values do you give your kids about their future?What do you wish you had known about the future? Today on our way home from school, my daughter was discussing with me about a prerequisite class she must take next year. The teacher is retiring, and my daughter is afraid that our school district will…
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Doing the right thing vs feeling obligated to do the right thing?
Read more: Doing the right thing vs feeling obligated to do the right thing?Today my family was at the office store and bought a few items. After we left my spouse looked at the receipt and realized the cashier had not rung up one of the items. The cashier scanned all the items but did not realize all the items had optional warranty coverage questions which prevented the…
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Kids Are Expensive
Read more: Kids Are ExpensiveHave you heard the age old saying “if you wait to have kids when you can afford them than you never will”? I’ve heard recently that it costs almost $300,000 to raise a kid from birth to 18. So, my question to you is what are the bare minimums you need to raise a child?…
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“Recess” Class Time
Read more: “Recess” Class TimeThere is an episode of the show “Recess” that has had a very big impact on my life. It’s the one where Hank the janitor is a math whiz and was offered 3 high paying jobs doing things he would love to do, instead of being a janitor. At the final part of the episode…