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Tip for Christmas Gifts for Bosses on a Budget
As a part of my Christmas shopping, I always like to get something to give to my bosses and other people at work who I regularly deal with at work. I don't normally get stuff for others on my own team at work, but I like to for other people who I regularly Read More...
Posted 13 December 06 02:51 by spender | (Comments Off)   
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Paying for things you only think you need
Lately, I've been looking for some ways to trim our expenses a little here and there. I was mainly thinking of canceling my Netflix subscription, and my Vonage phone service. I don't use Netflix much anymore since the new TV seasons have started, Read More...
Posted 29 October 06 07:53 by spender | 1 Comments   
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More unexpected expenses to expect
May have some additional unexpected expenses that now need to become expected expenses. First, I knew I was going to be needing to buy new tires for my car, and it was likely to cost $600+. However, it seems that now my wife's car has developed an oil Read More...
Posted 16 October 06 11:21 by spender | 1 Comments   
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Sacraficing for goals, where to draw the line
I know sometimes when you are working for your goals, you need to make some sacrafices. Maybe you eat ramen for a while, avoid going out to movies/bars, etc. But where is the line for sacraficing for a cause and sacraficing too much? One situation we Read More...
Posted 04 October 06 03:14 by spender | 1 Comments   
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YNAB and the available income "buffer"
A short while ago, I got the YNAB (You Need A Budget) budgeting system, though have yet to actually put it into practice. Overall, it looks like a very good system. I was mainly after a budget that carries over from month to money (ie, if I go over/under Read More...
Posted 31 August 06 04:55 by spender | 1 Comments   
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Our Story
As I had mentioned in my first post, both my wife and I have managed to get ourselves into a decent amount of debt over the years. As of now, I have a total of $17,218.16 in outstanding credit card debt. This down from $19,187.64 at the beginning of the Read More...
Posted 28 August 06 06:40 by spender | (Comments Off)   
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Introduction
This would be my obligatory first post. Here you will be able to find my thoughts and progress as I work my way to financial independence. The name "Spending Less" comes from the idea of spending less than you earn. It is a very simple idea, Read More...
Posted 25 August 06 05:12 by spender | (Comments Off)   
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