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What If We All Bought Used Cars?

What If We All Bought Used Cars?

ByGrayson Bell

One of the longer running pieces of personal finance advice is to never buy a new car. Seriously, most experts use the word “NEVER!” I am cool with that, especially as someone who has purchased quite a few new cars, I have learned my lesson. The justification of this advice is you can save a lot of money by just buying a car one or two years old. The majority of depreciation happens within the first year. After that, most cars depreciate on a sliding scale. Some do it slower than others, but I am not getting into that. So, let’s talk about this “never buy a new car” advice.

T-Mobile Offering 4 Lines for $100 Per Month ($25 Per Line!)

T-Mobile Offering 4 Lines for $100 Per Month ($25 Per Line!)

ByGrayson Bell

T-Mobile is at it again with a great new promotion for those looking to save on their monthly cell phone bill. T-Mobile now is offering their Family Plan up to 4 lines for only $100 a month. Yes, for you math geniuses, that is only $25/per month per line. Now, you can really only get a cheaper plan on Republic Wireless, but this is going to be the next best thing. I just wanted to share this with you as I know a lot of my readers like to save money on their cell phone bills. I do to and that is why I review so many services. Anyway, here is the gist of the offer.

How to Replace a Lamp Socket Quickly – DIY

How to Replace a Lamp Socket Quickly – DIY

ByGrayson Bell

Welcome to the first Debt Roundup DIY post! In my new house update, I told you I was going to be adding some new do it yourself content in order to help those looking to save some cash and learn a few things. Yes, that is me in the video above. I am a huge DIY advocate. I think you can learn so much while trying to accomplish tasks on your own. I fix my own cars, build fences, fix plumbing, run electrical, and have moderate carpentry skills. If something comes up in my house, I am going to try to build or repair it on my own. Why not? I have saved thousands by doing things on my own. Not only that, but I have learned valuable skills. Today, I am going to show you how to replace a lamp socket. Why is this one first? Well, here is the back story and how to do it.

My Argument For Married Couples Keeping Separate Finances

My Argument For Married Couples Keeping Separate Finances

ByGrayson Bell

First, let me give mad props to my fellow personal finance blogger, Holly of Club Thrifty, for rocking a Wall Street Journal essay and a Fox Business TV interview. She was dealing with the topic of money and marriage. This is a very controversial topic in the world of personal finance and I understand why. I wrote about it briefly some time ago when I was talking about paying off a spouses debt when they incurred it before marriage. That one got me some angry comments and emails, but I powered through. I don’t mind causing a little controversy. I read both the arguments on the WSJ piece and I am going to provide my argument for separate finances for married couples.

American Express Personal Savings Review – A Good Option
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American Express Personal Savings Review – A Good Option

ByGrayson Bell

As a reformed spender, I love the opportunity to save money. Unfortunately for all of us savers, the economy is not really geared to rewarding us for holding onto our money. Even with low interest rates, I still love to save money and want to tell you about the American Express personal savings account. One of my goals is to give my readers options on where they store their cash. I am a big proponent of spreading your liquid assets in different places, so adding another savings account is no big thing for me. I am also a big fan of American Express, because they are the holder of one of my favorite cash back credit cards. Since my large banks are giving their savings customers a paltry 0.10%, anything better than that is good for everyone!

Dear Verizon, This Is Our Final Goodbye!

Dear Verizon, This Is Our Final Goodbye!

ByGrayson Bell

Dear Verizon Wireless, I have been a loyal customer of your cell phone service since I was 16. You provided the best service at a reasonable price. You allowed me to get a nice phone for very little money and pay it off on my bill every month. Then, you would reduce my bill after the phone was paid for. Those were the days! Unfortunately, times have changed. Here is our final goodbye letter letting you know that were are dumping you for someone a little less flashy, but way more affordable.

3 Budget-Friendly Alternatives to Home Security Equipment

3 Budget-Friendly Alternatives to Home Security Equipment

ByGuest Author

When struggling with debt or making ends meet on a budget, it can be a bitter pill to swallow a monthly subscription fee for your home security needs. Sure, automated alarm systems can help deter home invaders and have been shown to limit the time they spend inside once they’ve broken in. But for those who want to make ends meet first (or supplement their home security measures already in place,) following simple home security tips and investing in cost-effective alternatives to traditional home security measures can save you hundreds of dollars.

Why You Should Pay Down Your Debt Before Financing a Car

Why You Should Pay Down Your Debt Before Financing a Car

ByGuest Author

It is always a good idea to pay down your debt. Surely, you have heard that mantra before. It is shouted from every personal finance rooftop on the internet. But why is it such a good idea, especially when you look at it in the light applying for a new car loan? There are many reasons you might not be immediately aware of, so here we go.

Love and Money – An Internal Debate

Love and Money – An Internal Debate

ByGrayson Bell

I have been following the questions posed by Chase Bank back in February about average couples. It is pretty much about love and money. I answered the questions in my head, but not on here because I found one question that I wanted to dig into deeper. I have been having an internal debate about this question. There are some people on the side of a simple yes. They would pay off their spouse’s debt if they had it. They feel that their money is together. Some feel it is part of being married. I, on the other hand, don’t know what I would do, but I lean very much toward no. I think this question is conditional. Let me explain my reasons.

Recommendations

ByGrayson Bell

As a personal finance blogger, I have used or tested quite a few tools and resources in order to help me get to my main financial goals.  There are so many websites out there that it can be hard to choose.  I wanted to personally hand select some of the helpful money tools for you, so…