Personal Budget Training: December 2007

How To Find A Good Cell Phone Plan

It is possible to find one cell phone plan that best suits you and your needs? Look for the details of each cell phone and provider that are tailor made for you.

An important aspect to keep in mind when choosing a cell phone, is that it is almost always possible to get a phone for a discount under a rebate or promotional offer. It is rarely necessary to pay full retail price for a cell phone that meets your needs. Ask the cell phone provider you choose what cell phones they have available with a discount or rebate. If they do not have a phone that meets your needs, choose an online retailer. They sell new and refurbished phones without contracts, and these phones can be activated under the chosen cell phone provider. As always, if the phone does not meet your needs, upgrading to a newer cell phone is always an option.

Be sure to carefully study the available coverage maps before choosing a specific cell phone plan. It is your job as the consumer to be as well informed about your plan as possible; read the fine print concerning the coverage area and if any roaming charges will apply outside of said area. Most cell phone companies have a national network, with wide coverage, ensuring that your cell phone will work when you need it. However, what constitutes national coverage to you may not actually be national in the eyes of your cell phone provider. Some cell phone companies consider their regional calling areas to be national calling areas.

If there is a possibility of a lot of text messaging in your future, or the future of anyone in your family plan, a package with unlimited messaging for a flat fee is probably your best option.

Another alternative is a prepaid phone. We use Virgin Mobile since that was the only prepaid available at the time and the same phone. I think that phone is over five years old and it now is starting to show its age. Most months we only use about $20 and during this year I recall we had to add time only twice. We are not tied down to a plan or phone. I like Tracfone since it shows how much you have left all the time on the display and you do not have to hunt down your remaining time.

There are some available searches for you to compare plans such as LowerMyBills and LetsTalk. Whatever plan you decide to use, make sure you budget for its use.

Labels: cell phone, money saving tip

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Paris Hilton Disinherited

Hotel magnate Barron Hilton has pledged $1.37 billion to a family charitable trust and plans to leave the bulk of his fortune to the body when he dies.

Did Paris Hilton's recklessness cause her not to be the worthy beneficiary of such a fortune?

It might be. For everyone has standards. In some countries in the world, it does not matter how wealthy one is, if you bring shame to your family name, be expected to be blacklisted, disinherited or the one people whisper about next time you make a public appearance.

Some persons among us, no matter how wealthy, or not, do not take it too well when someone else in the family does something to tarnish the family good name. Because to some people, that family name is sacred.

I think that it is obvious that Paris Hilton will prevail without her grandfather's millions, especially given all the endorsements and reality shows she has been a part of. If not, hopefully she has an emergency fund set aside with three to six months of living expenses to assist her while she finds some employment.

Labels: Celebrity Finances, emergency fund, Paris Hilton

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Are Real Estate Agents Looking Out For You?

In the book Freakonomics, it was proven that it usually does not pay for real estate agents to take the time to get the best price when selling a client's home. The agent will usually encourage you to sell to the best offer so they can make their profit and move on to the next client. Holding out longer for that $10K that you are asking will usually only net them about $150, so is it worth the wait for the agent?

Labels: money saving tip, Mortgages, real estate

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Tina Fey American Express Ad

This AmEx ad shows Tina Fey in action... 30 Rock Style. The funniest part may be when she's reading some papers and tells the guy, "this is good stuff" and he responds, "those are my divorce papers."

At the end of the ad they ask, "Are you protected from unexpected problems? Are you a cardmember?" as if to say that there's no other way to avoid unexpected problems or that no other card (credit or debit) will protect you from fraud.

Just as the AmEx guy starts asking her if she bought 14,000 racquetballs this little blurb shows up on the screen: "Terms, conditions and restrictions apply." That's short for "it isn't really as easy as we make it out to be."

Labels: Big Plastic, Celebrity Finances, Credit Cards, Debt Ads on TV, Debt Propaganda

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Big Bob-normous Interest... If you don't get it paid in time!

While the details may vary a little, check out this post about Best Buy's 90 Days Same As Cash Details... 90 days is NOT the same as cash!

Labels: Badvertising, Debt Ads on TV, Same as Cash

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How do you say Success?

I found this ad on a website that I frequent. Pretty sad.

American Express would like you to think that having their card in your wallet makes you a success.

Whether you like credit cards or not, you have to admit that this kind of ad is just a tad-bit over-the-top. Anyone who thinks they're a success just because they were able to get American Express plastic has issues!

Here's my view of success (monetarily): not needing to rely on AmEx or any other of the Big Plastic cartel. Having no debt. Having money in the bank and a plan for the future.

Labels: Big Plastic, Credit Cards, Debt Propaganda

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Bloody Piggy Bank - Keep Out!

This is kind of funny. In an attempt to keep people out of their piggy banks, the folks at Yanko have designed a gruesome bank complete with bloody piggy parts, on the inside only, of course.

[Yanko] via [Gizmodo]

Labels: Funny, money saving tip

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Leasing A Car Is A Bad Idea

Auto industry lobbyists are very powerful and have made it so the law does not make car dealers disclose interest rates on leased vehicles. So the average interest rate for a leased vehicle is 14%, which is more than double most vehicle loan rates.

As a general rule, you should not lease or rent things that go down in value. The only exception may be a home and that can increase in value if you make improvements. Even after a 14% gain in leased vehicles, the car dealers still will charge mileage fees, and penalties for excessive wear and tear, like dents and scratches.

A new car bought with cash will make a car dealer $82 profit. A dealer will make an average of $775 per car if they can get you to finance them. A dealer will make an average of $1300 profit if they can lease a vehicle.

Labels: car leasing

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TaxACT Income Tax Software

I started my taxes early this year just to see what it would look like because of some life changes that occurred this year. With TaxACT I was able to pull information from my previous return from their secure site and get rolling. I threw in some ball park figures and was able to compare 2006 with 2007 to see where things changed. After that I was able to compare with the rest of the nation. Before submitting, one can run an alerts scan and check you return for any errors that would otherwise hold up your refund. This will be my seventh year using TaxACT and I highly recommend it to you. You will not find it in stores, so visit them, TaxACT.

Labels: tax software, taxes

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The Grocery Budget

This was the most difficult category in my budget to get an estimate from when I first started. Grocery bills are a constant, whether for a single person, or an entire family. However, families always seem to be trying to cut costs, especially where groceries are concerned.

The best thing to do is keep track of what you buy for groceries. This is going to be a real hassle for a month or two because you will need to keep track of your grocery purchases. All of them! All you would have to do is save your grocery receipts during that time and add them up. This should give you a good idea of how much you spend on a monthly basis for food. I have seen between 5-15% and 15-20% of the take home pay for the month spent on groceries. My family grocery budget is about 28%, but we group in the small items such as cleaning supplies. Do not include going out to eat; put that in a separate category or you will never make it to the next pay day.

With all of that said, the bottom line is that you need to spend what ever it takes on groceries to survive. In too many cases people will pay their bills out of their grocery budget. That is not going to get you out of debt. Utilities, food and shelter are the basics. Put them first no matter what your bills are or how many times you get called to pay you other bills.

Labels: Budget

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The Depths We Will Go For Gold

The soaring price of gold is causing mining companies in South Africa to sink to astonishing depths. Gold Fields plans to drill to 2.5 miles (13,200 feet) at a mine outside Johannesburg, and that would be a record, reports National Geographic News. Other companies are not far below (or, above) that mark. But the deepest mine in the United States reaches just 8,000 feet.

Gold is never a good investment. You need to do all your investing based on the long term,five, 10 and twenty year track records. Gold, any way you analyze it, has a horrible twenty year track record. It is a high risk investment and it is a risk you should not take with your money

One dollar invested in bonds in 1801 would yield $13,975 today.
One dollar invested in stocks in 1801 would be worth $8.8 million today.
One dollar invested in gold in 1801 would be worth $14 today.

Labels: Gold, Greed, investing

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Fixing Your Credit Score

1) Decrease the balance your credit cards. Paying off your loans can help your score, but typically not as considerably as paying down -- or paying off -- revolving accounts such as credit cards.

2) Use your cards modest. Racking up big balances can hurt your score, regardless of whether you pay your bill in full each month since is affects the balance/credit limit ratio.

3) Check your limits. Your score might be unnaturally depressed if your lender is showing a lower limit than you actually have. Most credit-card issuers will quickly update this information if you ask.

4) Dust off an old card. The older your credit history, the better. But if you stop using your oldest cards, the issuers may stop updating those accounts at the credit bureaus.

5) If you've been a good customer, a lender might agree to simply erase that one late payment from your credit history. You usually have to make the request in writing, and your chances for a "goodwill adjustment" improve the better your record with the company.

6) Dispute old negatives. Say that fight with your phone company over an unfair bill a few years ago resulted in a collections account. You can continue protesting that the charge was unjust, or you can try disputing the account with the credit bureaus as "not mine." The older and smaller a collection account, the more likely the collection agency won't bother to verify it when the credit bureau investigates your dispute.

7) Your credit score is calculated based on the information in your credit report, so certain errors there can really cost you. But not everything that's reported in your file matters to your score.

Here's the stuff that's usually worth the effort of correcting with the bureaus:
*Late payments, charge-offs, collections or other negative items that aren't yours.
*Credit limits reported as lower than they actually are.
*Accounts that are still listed as unpaid that were included in a bankruptcy.
*Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your report.

Labels: credit score

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Becoming More Informed

Sarah, from Cincinnati, OH, is married to a financial advisor. She wants to get more informed and involved in her family's financial decisions.

Labels: Dave Ramsey TV Show, personal finance, relationships

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Attack of the Green Gore

In one of my earlier posts, I referenced the fact that Al Gore was updating his massive (10,000 sq. ft.) fossil fuel consuming house to make it a little greener. Well I got to thinking, how does the Bush home in Crawford, TX stack up? I found several articles and verified the story was not an urban legend. The presidential residence is a 4,000 sq. ft. passive solar house that is heated and cooled via a geothermal pump (no oil or natural gas are used to heat the home), with a cistern and gray water collection system. The pool is also heated with the geothermal pump and is so efficient that the solar panels were canceled. These simple house designs can save you thousands each year in heating and cooling costs and are worth investigating.

Labels: Al Gore, energy efficient

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Dave's Myths vs. Truths

Dave talks about the myth of using debt as a financial tool. The truth is getting rid of debt is key to building wealth.

Labels: Dave Ramsey TV Show, Debt, debt myth, personal finance

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Money

I came across this quote about money and made it into a demotivator. It is so true with the seventh baby step of Dave Ramsey; once you have followed all the steps, the only thing left is to give it away.

Labels: demotivator, eddie money

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How can I pay down debt?

Andrew, caller from Houston, TX, wants to know how to pay off as much of his debt as he can before he joins the National Guard in January.

Labels: Dave Ramsey TV Show, Financial How-To, military finances

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Where To Find The Best Mortgage Rates

I recently found a site (Freeratesearch.com) that searches for the best rate for you. You will be asked a series of questions including your FICO scores, which are your credit rating. You have the option of providing your three scores from the three credit bureaus, applying for them, or answering questions to estimate your score. I went through the questions and was given the range of 750-800.

The FICO score range is between 300 and 850 and about two years ago my score was about 790. The best credit rates are given to people with scores above 770, but a score of 700 -- out of a possible 850 -- is considered good. Generic interest rate calculations on the myfico.com web site show that when the score dips below the mid-600s, those consumers generally qualify only for "subprime" lending and the interest rate starts to climb significantly.

The rate listed for me was 6.0% and I checked with two of my national bank/credit union that I deal with and one rate was 6.0% and the other was 5.75%. The site does not list the local instutions, but someone will contact you. So if you are interested in buying or refinancing, it is worth shopping around with this site.

Labels: interest rates, Mortgages, Sub-Prime Mortgages

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The Average Millionaire

A 50 year old man started out with no money, built up a business and wants to know the best way to live off $750,000.

Labels: Dave Ramsey TV Show, Financial How-To, Millionaire

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Give Yourself A Bonus

Most employees have the power to put at least a couple hundred extra dollars in their paychecks each month, starting this month. Think of it as granting yourself a well-deserved do-it-yourself year-end bonus. The potential for workers to beef up their paychecks is abundantly clear in the latest IRS statistics acquired by Kiplinger. So far this year 103 million Americans have received refunds triggered by their 2006 tax returns. The average refund: $2,291.

To cut withholding, all you have to do is file a new W-4 form -- Employee's Withholding Allowance Certificate -- with your employer and increase the number of "allowances" you claim. Of course you can't just make up a number for your W-4. The IRS has a dense 19-page booklet with seven intimidating worksheets to guide you toward the proper number of allowances for your circumstances. The agency even offers a Web calculator to help. But it requires more than 30 entries.

To make things less painful, and to encourage workers to set their withholding situation straight, Kiplingers developed a simple, easy-to-use calculator. Just answer three questions and you'll find the answers on your 2006 return.

Labels: bonus, Financial How-To, IRS, Kiplinger, W-4

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Jamie Lynn Spears Says She's Pregnant

I came across this story of Britney Spears sister and it reminded me of another story I saw in the USA today about teen parents. It said that fewer teenagers are having babies or dropping out of high school since the start of the decade, but slightly more live in poverty. Jamie Lynn plans to raise the baby in her home state of Louisiana "so it can have a normal family life." Good luck.

The Annie E. Casey Foundation ranks every state each year on 10 health indicators for children. According to the reports there, Louisiana is not a good place since it ranked 49th out of 50 (but it did beat out Mississippi). The state is ranking near the end of the pack in low-birth weight, infant mortality rate, child death rate, teen death rate, teen birth rate, children in poverty and of course children of a single parent. Maybe she should move to Minnesota, New Hampshire or Connecticut since those are the overall top three states.

Jamie is a good candidate for Dave Ramsey's Next Generation course!

Labels: Britney Spears, Celebrity Finances, Jamie Lynn Spears

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Foreclosure Affects Everyone

Homes lose about 1% of their property value for each foreclosure within an eighth of a mile. Nevada, California and Florida have posted the highest foreclosure rates in the country for the past several months. If you are adventerious and seeking a good deal, buying a foreclosed house could save you thousands. Keep in mind the auctions are usually "as is", so do your homework.

Labels: Debt, foreclosure

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Applying a Band-Aid to Debt

Recently while browsing through my issue of Kiplinger (which is an annual Christmas gift from my father); I came across a new online service: Debt Logistics. This basically a program for paying off your credit card debt by the use of a method called Debt Optimization. This is the process of moving debt around within your portfolio to optimize the interest paid position (to minimize the amount of interest paid by the user) and the time to pay position.

A good example of this is to look at a credit card with a high balance and a high interest rate. If that balance could be moved to a card with a 0% rate then the debt could be paid much faster and with no interest charges during the 0% term. With lower APR's being paid first, it is optimal to pay the higher APR balances first before transferring money into the lower APR account. This keeps the borrower from accruing high balances while the money is being paid to the lower APR's. NO money is paid to the higher APR balances until the lower APR's are paid in full.

The optimal position to be in is often very difficult to see due to the fact that it may take several steps (moving debt and money around) from one account to another, followed by moving that money around again. This tool does this for you for a set-up fee and first 90 days for around $30 and recurring monthly subscription for about $10. Why go to all this length to get you debt paid off and not educate yourself on your spending patterns or problem. Our spreadsheet is FREE and can you can see you debt being paid off. By taking our budgeting class, you will be able to correct your debt problem rather than applying a Band-Aid.

Labels: Debt Consolidation

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Settle for $800K

How to Spend $800K Wisely

Labels: Dave Ramsey TV Show, Financial How-To, Pay off house early

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A smarter way to pick your charity

In a recent article by Jean Chatzky, Money Magazine editor at large, if you're a savvy giver, you look up how much of a charity's income goes to programs, as opposed to overhead, by consulting Web sites like Charitynavigator.org or by looking over the IRS form 990 that the charity files (available at guidestar.org or on the charity's site). The higher the so-called program ratio, you figure, the better job a charity does deploying your money.

Labels: charity, Financial How-To, giving, IRS 990

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Three Examples of Good Debt

Browsing through CNN's Money website, I came across this article about the three examples of good debt. The three listed were, buying a house, paying for college and financing a car. What's wrong with this picture?

A car is the most depreciable asset that you will ever own and it can depreciate by 60% in the first four years. With a good budget and foresight, you can pay cash for a two year old vehicle and still enjoy a good ride. This article also advocates taking out loans to pay for college, strike two. I have earned three degrees with no debt, raising a family on one income, it can be done. I was relieved to see buying a house listed. Now that is an almost fool-proof investment under certain conditions, you make realistic improvements to the property, you buy the house below market and you stay in the house for a reasonable period of time.

Labels: Debt, Debt Propaganda

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Abe Lincoln's Letter to his Brother

Here's a letter that Abraham Lincoln wrote to his brother when he was asked for some money. Dave Ramsey often tells people on his Radio/TV shows to read it when they're being enablers and struggling with boundry/money issues.

Dear Johnston:--

Your request for eighty dollars, I do not think it best to comply with now. At the various times when I have helped you a little, you have said to me, "We can get along very well now," but in a very short time I find you in the same difficulty again. Now this can only happen by some defect in your conduct. What that defect is, I think I know. You are not lazy, and still you are an idler. I doubt whether since I saw you, you have done a good whole day's work, in any one day. You do not very much dislike to work, and still you do not work much, merely because it does not seem to you that you could get much for it. This habit of uselessly wasting time, is the whole difficulty; and it is vastly important to you, and still more so to your children, that you should break this habit. It is more important to them, because they have longer to live, and can keep out of an idle habit before they are in it easier than they can get out after they are in.

You are now in need of some ready money; and what I propose is, that you shall go to work, "tooth and nail," for somebody who will give you money for it. Let father and your boys take charge of things at home--prepare for a crop, and make the crop; and you go to work for the best money wages, or in discharge of any debt you owe, that you can get. And to secure you a fair reward for your labor, I now promise you that for every dollar you will, between this and the first of next May, get for your own labor either in money or in your own indebtedness, I will then give you one other dollar. By this, if you hire yourself at ten dollars a month, from me you will get ten more, making twenty dollars a month for your work. In this, I do not mean you shall go off to St. Louis, or the lead mines, or the gold mines, in California, but I mean for you to go at it for the best wages you can get close to home, in Coles County. Now if you will do this, you will soon be out of debt, and what is better, you will have a habit that will keep you from getting in debt again. But if I should now clear you out, next year you will be just as deep in as ever. You say you would almost give your place in Heaven for $70 or $80. Then you value your place in Heaven very cheaply, for I am sure you can with the offer I make you get the seventy or eighty dollars for four or five months' work. You say if I furnish you the money you will deed me the land, and if you don't pay the money back, you will deliver possession-- Nonsense! If you can't now live with the land, how will you then live without it? You have always been kind to me, and I do not now mean to be unkind to you. On the contrary, if you will but follow my advice, you will find it worth more than eight times eighty dollars to you.

Affectionately your brother,

A. LINCOLN.

Labels: Celebrity Finances, Dave Ramsey, enabler, Lincoln's letter

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How to handle a pledge to your church when you can't afford it.

Labels: Dave Ramsey TV Show, Financial How-To

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Definition of Budget

Besides the dictionary version of Budget, there's the one below. While said tongue-in-cheek, it is not far from reality for the majority. Many a truth are spoken in jest!

Labels: Budget, Funny

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Are celebrities overpaid?

Check out this cool site from Bankrate.com. You can choose one of the top film stars from their list of top-grossing box-office stars, and see how ordinary purchases affect their bank accounts compared to an average person making $30,000-a-year.

Labels: Angelina Jolie, Brad Pitt, Celebrity Finances, George Clooney, Matt Damon, Mel Gibson, Nicole Kidman, Will Smith

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Survey: Most Americans Fail The Emergency-Fund Test

In a recent article, it was said that fewer than four of 10 American adults have an emergency fund to fall back on in the event of some financial disaster, according to a nationwide Bankrate.com poll.

One of the major reasons to have an emergency fund it to prevent the use of credit cards. You could save hundreds of dollars a year, since the average credit card interest rate is about 18%.

Labels: bankrate.com, Credit Cards, emergency fund

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Dave Ramsey Talks to an Enabler

Read Abe Lincoln's letter to his brother.

Labels: Dave Ramsey TV Show, enabler

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Norman and Evert Get Engaged

So Chris Evert and Greg Norman are getting married? Have they sat down with each other and discussed finances? Have they talked about how they will combine income? How will they pay their bills? Have they talked about their saving and investing goals, philosophy about money, spending habits, or debts?

These are some important questions that need to be asked in any marriage. Disagreements about finances is the number one cause of divorce, so getting these issues out in the open and coming to an understanding before marriage can greatly increase your chances of staying out of divorce court.

The best way to address any financial problems is with an organized and well-thought out budget and we can help you do that with our online class.

Labels: Celebrity Finances, Chris Everett, Greg Norman

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Al Gore Goes Green

Well Al Gore is finally putting his money where his mouth is and dropping a lot of money down for energy improvements to his home. The former vice president has installed solar panels, a rainwater-collection system and a geothermal pump. He also replaced all incandescent lights with compact fluorescent or light-emitting diode bulbs -- even on his Christmas tree.

I was looking for the numbers to see how long the pay back is on these improvements, but could only find something about the geothermal heating.

This Old House uses the following numbers for the geothermal heating:
Installation cost: $15,000-$20,000
Savings to heating/cooling bills: 30 to 70%
Break-even point: Seven to eight years

Labels: Al Gore, Celebrity Finances, Geothermal pump, money saving tip

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Outlaw In-Laws

A marriage is being destroyed because a husband is constantly bailing out his sister with money problems.

Q: What's the difference between In-laws and Out-laws?
A: Out-laws are wanted!

Labels: Dave Ramsey TV Show, relationships

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The 12 Days of Christmas - A-Cappella

Here's a little "holiday" cheer for you... But I won't be wishing these folks a Merry Tossmas, even though it is not strictly a Christmas-only act. Nice work by Straight No Chaser.

Labels: Funny

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Forbidden Lego

A book written by two former employees of the Danish plastic-brick giant is burning up the book sales charts. My two younger boys 10 and 3 are always playing with these and I am always stepping on them! When I am in search of a book to purchase online, I go to AddAll book search and save a lot of money. It is very easy to use and the search engine gives you the total price of the book (shipping included)based on your location.

Labels: Financial How-To, forbidden lego, money saving tip

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Better-than-Bad Investment Advice...

If you had purchased $1000.00 of Nortel stock one year ago, it would now be worth $49.00. With Enron, you would have had $16.50 left of the original $1000.00. With WorldCom, you would have had less than $5.00 left. If you had purchased $1000 of Delta Air Lines stock you would have $49.00 left.

But, if you had purchased $1,000.00 worth of beer one year ago, drank all the beer, then turned in the cans for the aluminum recycling REFUND, You would have had $214.00.

Based on the above, the best current investment advice is to drink heavily and recycle.

It's called the 401-Keg Plan :)

Labels: Funny

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Car Trouble

A caller needs help getting out of a tricky situation involving a dealership that has no record of the car he leased.

Monday, December 31, 2007

How To Find A Good Cell Phone Plan

Sunday, December 30, 2007

Paris Hilton Disinherited

Are Real Estate Agents Looking Out For You?

Saturday, December 29, 2007

Tina Fey American Express Ad

Big Bob-normous Interest... If you don't get it paid in time!

Friday, December 28, 2007

How do you say Success?

Bloody Piggy Bank - Keep Out!

Leasing A Car Is A Bad Idea

Wednesday, December 26, 2007

TaxACT Income Tax Software

Tuesday, December 25, 2007

The Grocery Budget

Monday, December 24, 2007

The Depths We Will Go For Gold

Sunday, December 23, 2007

Fixing Your Credit Score

Saturday, December 22, 2007

Becoming More Informed

Friday, December 21, 2007

Attack of the Green Gore

Thursday, December 20, 2007

Dave's Myths vs. Truths

Money

How can I pay down debt?

Where To Find The Best Mortgage Rates

Wednesday, December 19, 2007

The Average Millionaire

Give Yourself A Bonus

Tuesday, December 18, 2007

Jamie Lynn Spears Says She's Pregnant

Foreclosure Affects Everyone

Applying a Band-Aid to Debt

Monday, December 17, 2007

Settle for $800K

A smarter way to pick your charity

Three Examples of Good Debt

Sunday, December 16, 2007

Abe Lincoln's Letter to his Brother

How to handle a pledge to your church when you can't afford it.

Definition of Budget

Are celebrities overpaid?

Friday, December 14, 2007

Survey: Most Americans Fail The Emergency-Fund Test

Dave Ramsey Talks to an Enabler

Norman and Evert Get Engaged

Al Gore Goes Green

Outlaw In-Laws

The 12 Days of Christmas - A-Cappella

Forbidden Lego

Thursday, December 13, 2007

Better-than-Bad Investment Advice...

Car Trouble