Scrooge's Christmas List
by Gary Foreman
Cratchit, take your Christmas grab bag and be gone. Out, I tell you, or you'll be seeking new employment! That scene wasn't included in Charles Dickens' "A Christmas Carol" but I can easily picture crotchety old Scrooge taking Bob Cratchit to task for attempting to include him in an office holiday gift exchange. Scrooge certainly is the symbol of...
Household Math™: House Painting
by Scott Bilker
Dave and Jennifer just got married. They each have a little debt from student loans and decide to earn extra money on the weekends by painting. If it takes Dave 15 hours to paint a house, and it takes Jennifer 10 hours to paint the same house, how long will it take if they both worked on it together?
Three GREAT Holiday Gift Ideas
by Doris Dobkins
It's not too early to start thinking of the holidays. They will be here before you know it and if you don't plan ahead, you could find yourself overspending, stressed out and even getting into debt. So read on, and consider one of the following three options for those on your holiday list this year...
DebtSmart Email Newsletter: 12/4/02
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Amortized Loans; Household Math™: Painting a House 5 Ways to Avoid Holiday Debt Holiday Special! Three Great Holiday Gift Ideas Scrooge's Christmas List Holiday Gift Giving Ideas to Save You Money; DebtSmart Resources; Subscribe/Disclaimer Information
Amortized Loans
by Scott Bilker
I would like to know what the formula is for an amortized loan. How exactly do they calculate each payment? I suspect that all the interest for the loan term (i.e., 30 years, 15 years, etc.) is loaded up front in some way, but I would like to know exactly HOW? I want to teach my teenagers about this. I think it's very important for everyone to know.
Slashing Grocery Bills
by Rachael Paxton
I used to not pay attention to grocery prices much at all. I have never been one to spend excessively, and have always been pretty good about only getting what's on my shopping list (a necessity!), but it took me awhile to realize that I could save some extra money if I started paying a little more attention to grocery price variations.
Survey Results: Are you Organized?
by Scott Bilker
Are you organized? I am with some stuff, like the finances, but in other areas I need to improve (like the garage). Being organized is surely the key to success in any undertaking so I wonder just how organized we think we are...
DebtSmart Email Newsletter: 11/20/02
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; 9 Steps to Get Organized For Financial Success; Household Math™: Which Sale is Better?; Survey: How Organized Are You? Wanting a Newer Car Holiday Special Bad Customer Service Eight Steps to Tackle the Money-Saving Process (Part 8) Slashing Grocery Bills; DebtSmart Resources; Subscribe/Disclaimer Information
Wanting a Newer Car
by Gary Foreman
My husband and I are in quite a bit of credit card debt and my husband wants a newer car. He says that his car won't last two more years. We are trying to save a little bit but we don't have any money to put down on a car. We have money to pay our bills which is not the problem. We just don't have a whole lot of money left over after paying our bills. What would you suggest we do about this situation?
Bad Customer Service
by Chris Peruzzi
July 14th, 2002 I got a call yesterday at 8:AM. I don't like getting calls at 8:AM at work or at home. Obviously, there's nothing I can do about the work calls but the home calls, I'd like to think that this is an open invitation to be rude...
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