Archive - December, 2011

A Stress Free Christmas: A Guide to Get Through the Holidays

A Stress Free Christmas Cover

A Stress Free Christmas Cover

I’m always looking for new ways to replace money problems with easy-to-understand ways to dominate your personal finances. That’s why I’m so excited about a new guide I’m offering that will transform the most expensive, stressful time of the year (Christmas) into a stress-free, fun-filled season.

It’s called A Stress Free Christmas and it is the product of years of testing, researching and perfecting the art of enjoying Christmas without the burden of debt.

Imagine a Christmas where:

  • You can do all your favorite holiday tradi­tions, even the expensive ones.
  • Every present you give is paid for before it’s wrapped.
  • You’re able to donate more money than ever before.
  • You never think about interest rates or loan terms.
  • And all without a single debt payment!

It’s not only possible, it’s what I’ve done for years. I know this guide works because it’s what I used when I was in debt and it’s what I continue to use today. I’ve seen that it’s possible to enjoy the holiday without the stress of debt in any financial situation.

Here are a few high­lights from A Stress Free Christmas:

  • Learn how marketers get you to overspend and what you can do about it.
  • A way to drop the boring parts of Christmas and embrace the ones you love.
  • Develop a debt-free holiday spending plan that doesn’t suck.
  • Plus more of the secrets I use to enjoy Christmas without debt!

Click here to get A Stress Free Christmas now, or keep reading to find out how you can get 50% off the cover price. (more…)

Highlights (12.10)

Is this time of year as busy for you as it is for me? I’m a bit behind on reading so there aren’t as many posts as normal.

Earth-Like Planet Found — As an astronomy nerd, this one got me really excited! Earth-like doesn’t mean it has life, it just means it’s around the same size as Earth and orbits a sun sized star at a distance life as we know it could survive. That’s a lot of caveats, but it’s still an astounding discovery!

Beat The Dealership’s Four-Square — I thought this was a good follow up to my post on buying a car. This article describes the four-square page car dealers use to manip­u­late you and how to beat it.

Address is Approx­i­mate –A desk toy uses Google Maps to travel across the US. It’s much cooler than it sounds.

What I Thought I Knew

Just Thinking

Just A Thought

When I was younger, I thought I had the world figured out.

Like most people, my age sheltered me from most of what life had to offer. I didn’t under­stands bills, respon­si­bility, or pain — someone else always handled those things. Every oppor­tu­nity I had to learn about them was kept hidden by my school, parents, and even friends.

They aren’t evil, they just wanted to protect me and give me oppor­tu­ni­ties. I am forever grateful.

But as I look back, I realize how little I really knew about the world. I knew nothing about respon­si­bility, bills, or even pain.

I have changed in almost every area of my life — a good thing, since it proves I am still growing. And yet, it reminds me that this process will never end. I will always look back and meet a fool who had yet to under­stand the world.

It is a lesson I plan to keep forever in mind: As we grow, we will learn all the things we didn’t under­stand when we thought we did.

It’s an easy lesson to forget.

Just a thought.

5 Easy Ways To Beat Car Dealers

Car Sale
Car Sale

Is it really a sale if it happens all the time?

If you’re thinking about buying a car, now is the time. Car sellers are desperate to get cars off the lot and raise their numbers. Sales­people are ready to give deals and get that Christmas bonus.

But that doesn’t mean buying a car is easy. Dealers know what it takes to get you to buy before you’re ready, spend more than you want, and accept bad additions that won’t help you. To get a great car at a great deal you’re going to have to be prepared.

Here are 4 simple things you can do to get a great deal on a car: (more…)

Why Holiday Loans are Stupid

The Gift of Christmas Debt
The Gift of Christmas Debt

The gift of Christmas debt

My cash budget has me in the bank almost every week. The tellers know me by name and we keep up-to-date with what’s going on in each other’s lives. It’s fun for me.

Unfor­tu­nately, I’ve also racked up a consid­er­able amount of time waiting in line. If I don’t go early in the morning, the lines get ridicu­lous. Over the years, I’ve memorized every adver­tise­ment and offer they’ve put up – it’s the only thing to look at while standing in line those lines.

This month, something new started showing up among their adver­tise­ments: the holiday loan. (more…)

Highlights (12.03)

The last few days have been pretty hectic here at Entre­pre­Life. If you’ve been having trouble getting to the site, you’re not alone. My server has been going up and down the last few days. InMotion fixed the problem Saturday morning. I never found out what happened, but it seems to be fixed now. Here are some things going on at working websites:

Give Wisely To Charity – I wrote another guest post at Faith and Finance. This one is about giving to charity. “For the next 30 days your mailbox, email and phone will be barraged with charities asking for money. They’ve been taught how to answer your questions, lower your defenses and open your wallet.”

2011 On Bing — Bing has put together a really cool video on the top searches for 2011. It includes some awesome victories, some horrible tragedies, and random celebrities.

London Commuter Arrested for Racist Video — A London woman was arrested after being racist on a train. Seriously. Turns out, England doesn’t have free speech laws. I had no idea!

10 Steps I’m Taking to Become a Million­aire — Jon the Saver has another great post at his blog about becoming a million­aire. His advice is solid gold.

16: Moments –This may be the most inter­esting video I have seen. It shows dozens of random moments that happen every day. It’s beautiful and intriguing all at the same time.

The Holidays Have Begun

Cash Money

Way better than a credit card bill

December 1st marks the beginning of the Christmas season. Over the next 25 days, there will be more parties, shopping, and deco­rating than at any other time of the year.

In February, I warned you that Christmas is coming. Turns out, it shows up every December 25th!

Who knew.

Back then, I told you to start saving for Christmas by figuring out how much you spend in 2010 and saving 1/12th of that every month from January until December. An easy solution that makes December enjoyable instead of stressful.

Now that December is offi­cially here, how did you do?

  • Do you have all the cash you need for the month tucked away somewhere safe?
  • Are you most of the way there, but may still need to dip into other funds?
  • Do you need to work an extra job this month to pay for the holiday?
  • Are you going to charge every­thing and “most likely” pay it off in January?

I’ll go first:

I am $100 dollars short of where I wanted to be on December 1st. My biggest down fall was not having a consis­tent income over the summer (quitting your job to start a blog will do that). My short fall means my family will be cutting back a little bit this month. Still, we’ll be able to do about 90% of the stuff we hoped to.

All thanks to putting a little bit of money away every month.

Now it’s your turn. You will spend more money in December than at any other time of the year. Are you ready for the added expense or will this be another over-spent Christmas?

How will you control spending this Christmas?

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