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Ask the Readers: What Happens *After* You Use Your Emergency Savings? * Get Rich Slowly
A comfortable “rainy day” fund is a key component to most personal financial plans. The experts don’t agree on the exact amount to keep in an emergency fund — advice ranges from three to twelve months’ of expenses — but they do agree everyone should have one. An emergency fund is self-insurance: It’s a way to cope with the unexpected without resorting to debt or other expensive options.
But what happens after you use your emergency savings?
Lifehacker - Top 10 Money-Saving Guides for Common Purchases - Buying Guide
The marketplace is an expensive place to get confused. Get more for your money when you buy laptops, air travel, eyeglasses, or other purchases with our roundup of thrifty buyers' guides for common purchases.
The Ways and Means of Coping with Emergencies ∞ Get Rich Slowly
Experts have been touting the importance of having an emergency fund since Moses was a lad. So why is it that so many people still don’t have enough (or any?) money set aside just in case? Reasons and rationales abound.
25 Useful Financial Rules of Thumb ∞ Get Rich Slowly
Lately I’ve found myself using more and more financial rules of thumb. A rule of thumb is a general guideline, an easy way to approximate a value quickly. It’s not meant to be completely accurate. On a whim this weekend, I gathered together many of the general rules I’ve been using, as well as several others I found online.
The Simple Dollar » A Guide to Making Inexpensive and Delicious Homemade Pizza
there is simply nothing that quite matches homemade pizza for appealing to all of us - it’s infinitely flexible, incredibly cheap, fun to make (and it gets everyone involved, even the small children), and quite delicious. Best of all, if you plan ahead a bit, it doesn’t take long to make, either - you can have a made-from-scratch pizza on the table in a half an hour if you’ve done some reasonable prep work the night before.
Here’s a step-by-step guide (along with some surprising and unusual hints) for making some great homemade pizza for your family.
Things I Wish Iíd Been Told
The idea behind the lecture was to provide very basic information that the average computer science student needs, and that my friends and I found that we were not given by the time we had graduated from college. Some of the advice here is from my own experience, but a lot is also from the experience of friends, several of whom kindly shared advice they wished they’d gotten earlier.
The Simple Dollar » A Step-By-Step Guide to Building a Big, Healthy Emergency Fund
The first step along the way is to understand what an emergency fund actually is. An emergency fund is cash that you’ve saved up for the sole purpose of helping you maintain your normal life through the emergencies that life hands you. Most of the time, you shouldn’t touch the emergency fund at all - it just sits there earning a bit of interest and waiting until you actually need it. When you lose your job. When an appliance breaks down. When your car needs a repair.
The 20 Healthiest Foods for Under $1
Food prices are climbing, and some might be looking to fast foods and packaged foods for their cheap bites. But low cost doesn’t have to mean low quality. In fact, some of the most inexpensive things you can buy are the best things for you. At the grocery store, getting the most nutrition for the least amount of money means hanging out on the peripheries—near the fruits and veggies, the meat and dairy, and the bulk grains—while avoiding the expensive packaged interior. By doing so, not only will your kitchen be stocked with excellent foods, your wallet won’t be empty.
7 Tips for Starting Your Own Vegetable Garden ∞ Get Rich Slowly
For every dollar we spent on the garden, we harvested $1.91 worth of food. We hope to improve on that significantly in 2009. Last week Kris wrote about the winners and losers from our garden last year. Today I’m sharing seven lessons we’ve learned after many years of gardening.
9 Methods for Mastering Your Money in 2009 ∞ Get Rich Slowly
If one of your goals for 2009 is to take control of your money (instead of letting it keep control of you), this crash course in financial basics can help guide the way. Here are nine simple but effective actions you can take to build a better financial future.
The Simple Dollar » Everything You Ever Really Needed to Know About Personal Finance on the Back of Five Business Cards
During the lunch, out of the blue, he asked me to give a five minute nutshell version of what I would present to the group. I thought for a minute, pulled a pen out of my pocket, and asked him for five business cards. In those next five minutes, I summarized everything I know about personal finance in a pocket-friendly presentation.
Healthy Foods for Under $1 - Well Blog - NYTimes.com
How tough is it to eat healthy on a budget? The advice Web site DivineCaroline gets you started with a list of 20 healthy foods for under $1.
You don't need satellite TV when times get tough | Wireless - CNET News
After a few Google searches, James said she found a wealth of legitimate sources for TV programming online. Sites such as Hulu, Fancast, Joost, YouTube, and most major TV networks' Web sites offer TV shows and other video content for free. Using an existing rooftop antenna, James plugged her TV into the hook-up to get more than 50 high-definition TV channels over-the-air. The cost for these HD channels: zero.
How to Afford Anything (But Not Everything) ∞ Get Rich Slowly
In his essay, Rockwell provides real-life examples of how he’s made choices to save money so that he can afford anything he wants (especially cameras). Some of his anecdotes are funny. Some are inspiring. They’re all great examples of how to get rich slowly. Here are a few of his tips:
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Our ability to buy expensive toys has nothing to do with how much money we do or don’t earn. Like everything in life, it has everything to do with how well you use what you have.
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Sometimes the most expensive choice actually costs less in the long run. Cheap means focusing on price above all else; frugality means seeking value for your dollar.
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Getting Out Of Debt: 5 Expenses To Cut Right Now If You're In Debt
Here are 5 expenses that you can cut right now — so you can take the extra cash and throw it at your debt.
All You Ever Wanted to Know About Emergency Funds (But Were Afraid to Ask) ∞ Get Rich Slowly
When you face a real emergency, access only the minimum amount of money necessary to get you through the emergency. Cut any unnecessary expenses and direct any available income toward your emergency before accessing the emergency fund. When the emergency is over, rebuild your emergency fund as quickly as possible, before reinstating nonessential expenses.
The Budget Toolbox: 13 Tools for Building a Better Budget ∞ Get Rich Slowly
In The Only Investment Guide You’ll Ever Need, Andrew Tobias offers the following simple yet effective budget:
1. Destroy all your credit cards.
2. Invest 20% of all that you earn. Never touch it.
3. Live on the remaining 80%, no matter what.
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The 20 Healthiest Foods for Under $1
Food prices are climbing, and some might be looking to fast foods and packaged foods for their cheap bites. But low cost doesn’t have to mean low quality. In fact, some of the most inexpensive things you can buy are the best things for you. At the grocery
Budgeting for Lazy People
The purpose of this budget is to come up with a system to govern everyday spending. We're leaving out housing, insurance, and the all-important savings categories for now.
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