Category Archives: General

One Dollar More: Personal Finance Posts for November

Another post on One Dollar More where I point out some of the best personal finance stories and posts which I have come across in November:

10 Simple Tips for Saving Up a House Deposit

There is no question that there are property deals to be had right now with homes more affordable than in a long time, especially for the first time buyer. But there is a catch. Banks willing to give out mortgages are requiring larger deposits. Check out the 10 Simple Tips for Saving Up A House Deposit from Money Hacker.

Travel Hacking for Noobs: How We Save Hundreds on Airfare, Get Free Accommodation, & Make Money while Overseas

Matt from Man vs Debt blogs on his advanced travel hacking and how that, contrary to popular belief, saving money on the road is actually quite simple.

Making Cash From Trash: The Recycled Art of Clare Graham

The unusual yet compelling art of Clare Graham is testament to the belief ‘one man’s trash is another man’s treasure’.

3 Stocks With High-Quality Growth

Growth is scarce at the moment. About three-quarters of companies in the S&P 500 index have issued financial results for the third-quarter reporting season. Read Jack Hough’s 3 Stocks With High-Quality Growth on Smart Money.

4 Home Improvements that Can Boost the Value of Your Home

While you can’t really expect to get 100% ROI on home improvements, read the four that can give a respectable return on Personal Finance Corner written by Miranda Marquit when you go to sell your home.

Writing an Awesome Personal Executive Summary

Great post on Financial Fizzle on how to write a great executive summary is to live up to its namesake by providing a short, broad overview of the entire plan. It’s a quick reference to its contents, and many parts of it may be completed even after the rest of the plan is written.

The Great Big List Of 75 Budgeting Tools, Finance Softwares And Iphone Money Apps

One of the most important things when it comes to personal finance is taking control of your money, instead of allowing it to control you. Read the post on Bible Money Matters.

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Why My Friday Was a Financial Disaster

Friday should have been a wonderful day for me: early finish from work had been planned, chance of some good surf, and dinner at home with my wife.

However, it wasn’t to be.

Work royally sucked: it was very, very busy and it was stressful, so much so that I didn’t get to leave work early as I was supposed to do. So busy in fact, that I forgot to move my car from a clearway. I have ended up with a $197 fine which I have no chance of avoiding. So here comes a nasty little expense for my credit card.

Friday was a financial disaster – I really should have stayed in bed.

So here I am, I admit that I was remiss in not moving my car from the clearway (sorry to all the commuters who had to dodge my car) but I’m protesting the egregious size of the fine! $197 for a simple parking offense is excessive. I’m guilty for a parking offense and I will pay it but North Sydney Council are guilty of robbery.

Rant over.

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One Dollar More: Personal Finance Picks for October

In lieu of writing my own blog post I thought I’d post on One Dollar More with my top personal finance blog picks from October.

Billshrink VC Firms [Infographic]

“Where’s the money? Here’s a look at where the most active VC firms in the US are and the biggest deals have been made. Venture funding increased during the third quarter over the first two quarters of 2009, but is still down 33 percent from one year ago.” Link

11 Incredible Homes From Around the World for Under $50K

“No doubt there will be a few reading ready to point out the error in the title. Surely, it’s a mistake? Homes for less than 50K? No way! But yet, it’s true.” Link

92 Quotes About Debt That’ll Make You Think, Laugh, & Tweet!

“A passionate quote can provoke thought, encourage laughter, or inspire thousands into action.” Link from Man vs Debt

Contest: Free Access to a Resume Service

There’s a contest on over at Miranda Marquit’s Yielding Wealth blog where one lucky winner will win a free resume CV consultation. With the news that unemployment is up, and the likelihood that we will be seeing a jobless recovery increasing each week, your ability to get a job becomes important. Enter it if you need to brush up that resume.

20 Signs Your Personal Finances Are In Tatters

“It’s payday next week, and the time just isn’t going quick enough. You’ve already earmarked a dozen things you want to buy, and then there’s those nights out with your mates you planned – now you can finally afford a few drinks… or can you?”

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Top Reasons Why Your Personal Finances Are In Tatters

Coming home to a nasty credit card bill

Coming home to a nasty credit card bill. Source: photo

Let’s face it – money is tight these days no matter who you are or where you live. Learning to save and correctly budget your money is a skill that eventually improve your personal finances no end. This applies not only to those with low income jobs, but to anyone who would like to sleep comfortably knowing that they are not in debt. That said, there are plenty of ways to keep yourself afloat without having to live like a ‘serf’.

Forget about the flat-screen television. Even though “everyone” has one these days, and you can sometimes get a “no payments no interest for twelve months” at your local department store, the bottom line is that this is a luxury that is unnecessary to daily living. Don’t give in to the trend! Next, ditch the premium television channels. You may be able to lower your cable bill from $100 a month to $30 a month if you can do without the higher end channels. Also, hold back on putting a TV in every room. The extra electricity that you will use adds up to a hefty sum of money.

Eating out too often is another way that people tend to spend much more money than necessary. Sure, it can be nice to go out for a steak every once in a while, but try limiting this to once every two weeks. After all, cooking at home is usually more satisfying to begin with! However, don’t use this as an excuse to eat poorly, as this will not help anyone in the long run. Stick to grains, fruits and vegetables. It is also important to get plenty of exercise to compliment your diet.

Don’t jump into leasing a car if you are looking for a new vehicle, as in the end you will pay much more money than you would if you just bought the car in the beginning. On that note, try to make your vehicle last as long as possible, as buying a new car every few years can be a huge source of wasted money.

Skip the urge to buy the latest and greatest cell phone – this is a trend, just like the flat panel TV! If you really need it for your business then go for it if you can justify it but its just a toy for the purposes of showing off then reconsider.

Another reason why your personal finances are in tatters – you constantly buy new clothes! Why not make use of your old clothes instead of spending a heap of money on new ones all the time!  Fashion comes and it goes. Try to buy clothes that will last for more than one season. Try to avoid unnecessary expenses.

Take these simple pieces of advice on board and you will be able to stay afloat a little bit better.

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