Don’t fear hyperopia and go into debt

This month’s Wired magazine (subscribe) had a review of a couple dozen rules for tech-savvy folks, and one of them dealt with the subject of hyperopia.  Hyperopia means “excessive farsightedness” and describes people who sacrifice today for gain tomorrow more than most people do.  The negative consequences of hyperopia are lots and lots of regrets; … Read more

Wegmans, Costco, trading down, and trading up

Received an insightful comment from S.B. at Retire At 45 following my Wegmans post: I love Wegmans, but I have to be careful there! Just like Costco, they have a trade up / trade down business model. The prices (and selection) on the basic stuff are great, but they also tempt you with a lot … Read more

Round your debt payments up

This is a bit of a mind trick but it’s helpful to reduce debt.  If your credit card minimum payments are $78, $187, and $365, make them $100, $200, and $400.  If your car payment is $210, make it $250 or $300.  If your mortgage payment is $879, pay the extra $21 toward principal and … Read more

Discount grocery store directory

A reader Vanessa commented on a previous discount grocery post to ask if there were any such stores in the Nashville, TN, area. I poked around a little bit with Google and there’s a discount grocery store directory over at ExtremeBargains.com. To recap:  discount grocery stores sell salvaged groceries that were overstock, slightly out of … Read more