Coffee is a food group for me. (Yeah! That’s it! It’s a food group, not an addiction! ;)) I have a few “discount mugs” that mostly have “paid for themselves” in that the discounts on the refills have paid for the mugs. However, the coffee is still a lot more expensive than if you brew … Read more
Dental expenses can be pretty minimal for years. A cleaning here, a filling there. Then, if you get hit with a crown and/or a root canal, it can run over $1,000 per tooth! Ouch! That hurts more than the dentist’s drill for me! One set of visits to my dentist cost me more than I … Read more
“Nectar from the bean of life,” as a friend from church calls it. Like any fix, it can be a budget drain. Richard Bach makes this caffeinated wealth leak a cornerstone of his Automatic Millionaire program — called the Latte Factor™. Buying a cup of joe on the run every day translates directly to hundreds … Read more
Lots of personal finance experts recommend tracking everything you spend for a certain period of time — usually a month — as a way of benchmarking your spending habits. One thing that can derail this exercise is making things too complicated or detailed every day. If it isn’t easy, you won’t do it. I certainly … Read more