Archive results for “November 2007f 2007”
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After waking up around 6:30am this morning to hit a few Black Friday deals (there was NO WAY I was getting up for 5:00am when the sales started!), I’m still wide awake and it’s nearing midnight. That’s good, because I was able to catch up on a lot of my blog reading. Here’s a few articles that caught my eye.
Jim’s at it again with his juicy devil’s advocate posts. This time, he’s saying that you should ignore personal finance experts.
Ricemutt wrote a great tutorial on how to use the VLOOKUP function in Excel. If you use Excel, this is a super-handy tool!
Glblguy is wondering if debt is a disease. I don’t think it’s necessarily a disease, but rather a symptom of something else going on.
Cleverdude has the stance that you shouldn’t be afraid of the big bad debt. He shares his financial situation with everyone.
Enjoy!
This Thanksgiving was another quiet one for us. We had our traditional big breakfast (eggs, bacon, sausage, bagels and muffins) and made our own egg sandwiches. Then we watched the family-friendly movie, Happy Feet. Some hours later, we sat down for a feast of ham, scalloped potatoes, salad, corn and rolls. Yummy! To end our day, we watched The Incredibles on TV.
Now I’m looking at the Black Friday deals and wondering if any of them are worth waking up early and fighting through the crowds. So far, I see a 17′ ladder for under $100 and a boy’s bike for $30. We could really use a large ladder and this one folds so we could fit it in our car to get it home. My son also needs a new bike since his old one is way too small. Will I get up to get the deals? I’m not sure. I’m still going to sleep on it and see how I feel early in the morning. I’m not a morning person by any means.
There is one sale I know will hit and its one I don’t have to fight the crowds for (which is a plus!). Amazon.com is having some Black Friday deals (aff. link) from 6am – 6pm PST on Nov. 23. Unfortunately, they haven’t revealed what’s on sale yet, but I am hoping they might have a few things on my Christmas shopping list.
If you aren’t interested in the deals, you may want to stop by to enter their Black Friday 2007 contest where you can win a $10,000 Amazon.com shopping spree. I entered, even though I have no idea how I would be able to spend $10,000.
Although…if I won $10,000 cash I know a good place to put it 
I was trying to think of any features I could add on here that might be nice for you. I thought about my experience with reading other blogs and I thought a nice feature would be to let you subscribe to follow-up comments on a post via email.
When you make a comment, underneath where you type your comment you’ll see a little checkmark box with a note to click there to subscribe to the comments via email. If you checkmark that box when leaving a comment, you will then get an email when a new comment is left on that post. I think that’s pretty neat because sometimes I ask a question in a comment and I would forget to check back for a reply if I didn’t have an email reminding me.
At any time, you can unsubscribe from receiving follow-up comments to a post by clicking the unsubscribe in one of the emails that you receive. If you are having troubles, you can also contact me and I can manually remove you.
Now, if there are any other features that you can think of that you would like to see here…please let me know. I can’t guarantee that I will be able to do it, but I’ll look into it.
I hope you like the new feature!
It’s taken one year and nine months, but we have finally reached a special point in our debt reduction…we have paid off exactly HALF of our credit card debt ($18,807).
Right now the tears are starting to swell up in my eyes. Everyone has their own mini-goals (as I guess you could call them). Of course, the main goal is to be debt-free. But reaching the halfway mark is a big mini-goal to me. I am very proud that we have come this far and we haven’t given up.
I’d like to thank every single one of you reading this blog. I have all of you to thank for helping us reach this milestone. When I am feeling down, you help lift me up. When I am happy, you share in my joy. Thank you so very much for joining me on this journey. I’m not sure I could have done it alone.
Indeed, there are many things to be thankful for this year. 
I hope all of you have a wonderful and safe Thanksgiving holiday!
I’ve had a few people ask me if I knew of any debt forums out there. In lieu of being able to talk about your debt with friends and relatives, it may be nice to have somewhere online to go to ask questions, vent, or celebrate as you pay off your debt.
So I went searching…and searching…for some debt forums and I have some information about each one that I found.
Just a note – the list here is in alphabetical order and by listing them here I’m not endorsing any of these forums (I’m not a member at most of them). I felt there was a need for a list like this for reference. As I’ve found to be the case, some forums provide a better “fit” than others.
Saving Advice Debt Forum – This is one of the many personal finance related forums on the Saving Advice site. The forums are active and it’s a great way to get any of debt related questions answered on a timely basis. It’s a good place to visit if you are looking for a variety of opinions to a debt question.
About.com Credit/Debt Forums – For some reason, this site doesn’t like me and it won’t let me validate my email address so I can view the boards. They say you can log in as a guest to view the forums and give you a link, but you are sent to the login screen and you aren’t told how to log in as a guest! Argh. Maybe some of you will have better luck than me getting access to it if you happen to join this one.
Circle Debt Forums – This forum is very new and has sections for types of debt and personal finance in general. It is not very active at the moment and they have 38 members. They are also having a contest to help get new members. You can win $300 cash by posting, referring members or writing articles.
Debt Consolidation Care – I’ve been watching this debt forum on and off for a little while and have referred some people to it personally through email. It is more focused (and active) in the debt consolidation and collection agencies sections. If you are having creditors knock on your door, this may be the forum for you. Overall, it is a very active forum with A LOT of posts.
Debt Management Talk – This one you may remember from a little while ago. The owner over there did a guest post on here about 101 ways to put $101 in your pocket this month. This forum has 221 members and has sections on the human side of debt and understanding debt. This debt forum is the only one that I know of that offers its posters some revenue sharing by rotating their Google adsense code into the rotation.
Debt Questions Forums – This one is a UK based debt forum that has sections on debt questions, debt solutions and bankruptcy. With 4,721 members, it is more active than some of the other debt forums I have listed.
Destroy Debt Forums – This forum is also fairly new and doesn’t have much activity. They have sections about getting out of debt, improving credit and avoiding debt. As of right now, they have 143 registered members.
iVillage Debt Support Group – This one is more like a debt support message board than a debt forum, but I included it here. It focuses on women and debt and is more of a place to go to track your debt and get some emotional support.
Living Like No One Else Forums – This debt forum is highly influenced by Dave Ramsey, although it is not affiliated with his company. It has over 5,000 members and it is very active. Some of the sections include Dave’s teachings on eliminating debt as well as other money topics.
I’m sure there are more out there, so if there is one that you know of please contact me (you can try leaving a comment, but it might get filtered out by my spam filter). I will add them to this list.
My son looks absolutely adorable with his missing tooth. As suspected, the Tooth Fairy made a visit last night and left a nice dollar bill in exchange for his tooth. She didn’t leave a savings bond as I first thought she would do.
It turns out that I had some troubles writing up an explanation of a savings bond and I felt it may be too much for my son to understand. I toyed with an idea of a Tooth Fairy Bank and tried to work out an “interest” scheme, but that didn’t work out well either. In the end, the Tooth Fairy gave my son a nice letter and left the dollar bill. My son was very happy at that.
I do think it’s important to try teach our children some personal finance and I believe one of the best ways is to discuss it is when the opportunity arises. I thought the Tooth Fairy idea would be a good one, but it didn’t materialize. But there are other ways to sneak in some lessons. For example, when my son has money to spend and we go to the store, I mention to him that he doesn’t have to spend his money now. He can always save it for later.
I thought that my words were falling on deaf ears because my son would spend all of the money he had with him, but my son proved me wrong. Yesterday, he had three dollars in the “Spend” portion of his piggy bank and he wanted to go shopping. We stopped at a dollar store and he was looking through everything. I didn’t say a word this time about saving his money for later. He picked up a box of $1.00 crayons and said, “I could buy these for $1.00 and then save $2.00 for later.”
That was a super-proud-mommy-moment. Even though I thought he wasn’t listening, he really was
Last year, I was able to win a cool deal from Amazon.com through their customers vote promotion. It was a Roboreptile that was discounted drastically. I was so excited for that thing and thought my son would love it. Well, he didn’t love it that much and my dog goes into major attack mode whenever we bring it out. It was a bit of a dud, only coming out to play every now and then.
Well, Amazon.com is back at it this year with new deals. Here’s a few of them (you can see the full list here (aff. link)):
- Nintendo Wii Game Systems $79 (*normally $249.99)
- Panasonic 7.5MP Digital SLR Cameras, $499 (*normally $1,149.95)
- Razor E100 Electric Scooters for $29 (*normally $89.99)
- TiVo HD Digital Video Recorders, $89 (*normally $253.48)
- Magellan Maestro Portable Auto GPS, $99 (*normally $247.00)
- Samsung 46†1080p LCD HDTVs, $719 (*normally $1,899.98)
- KitchenAid Professional 6-Qt Stand Mixer, $69 (*normally $299.99)
These deals are in limited quantities and you vote for which one you would like. Then, Amazon.com will randomly select people to “win” the deal.
I would love to get a Nintento Wii System (aff. link) for $79. Unlike other game systems, with some games for the Wii you need to get up off the couch and move around for game play. Everything I have read about the Wii has been positive for something a family can do together. There’s also a game that should be coming out called Wii Fit. It comes with a balance board and will be an exercise program. That makes me drool a little. Combine the psychological effect of wanting to “beat” a game with exercise and it sounds like a magical combination. So getting that deal would be awesome. It’s also awesome because finding a Wii to purchase is difficult.
These deals are great, and pretty exciting. But make sure that if you go for them you are buying something for the ability to use it and get your money’s worth and not just because it’s a good deal (well, unless you turn around and sell it on eBay, that is ). Last year, for us the roboreptile was a bit of a bomb. So I didn’t even vote in all of the rounds this year. Oh, and as always, spend only what you can afford and don’t go into debt for a good deal (I’m shaking my head right now thinking about our past and all of the good deals we financed with our credit cards – yikes!).
Come on random Amazon.com generator…pick us for the Wii
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About This Site
My Debt
- Original Debt: $97,293.06
- Paid: $1,927.89
- Remaining: $95,365.17
- Emergency Fund: $1100
- Broken Down
- Line of Credit 2: $0.00
- Line of Credit 1: $0.00
- Credit Card 1: $0.00
- Credit Card 2: $245.00
- Credit Card 3: $405.00
- Credit Card 6: $1,785.00
- Credit Card 7: $2,381.17
- Consolidation Loan: $11,000.00
- Credit Card 10: $14,519.00
- Auto Loan 1: $16,093.00
- Credit Card 11: $23,873.00
- Auto Loan 2: $25,064.00
Finance Blogging Buddies
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- From the Brink of Bankruptcy
- Generation X Finance
- GRACEful Retirement
- Grad Money Matters
- It’s Your Money
- Josephsangl.com
- Kick Debt’s Butt
- Lazy Man and Money
- Low Income Life
- Make Love Not Debt
- Mapgirl’s Fiscal Challenge
- Mighty Bargain Hunter
- Money, Matter and More Musings
- My 1st Million at 33
- No Credit Needed
- One Million and Beyond
- Personal Finance Advice
- pfblogs.org
