In the past, I worked during New Years Eve but this year i’m free to do what I like. So what am I going to do? After scoping out the local scene, i’ve noticed that any entertainment that night is WAY overpriced! Restaurants who usually charge around $20/person now charge upwards of $50/person. Tickets to…

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It’s the time of the year where people tend to overspend on gifts. Although I am frugal, I tend to enjoy giving and typically overspend as a result. It also seems that as our incomes increase, the bigger the gifts we give. This year though, I tried a few things to reduce Christmas spending. I…

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With 2007 fast approaching, it is soon time to discuss and plan out my goals for the new year. I’ve never been one to set goals at a beginning of the year but maybe I will start now. Here are my goals for 2007: Goal #1: Increase our passive income to at least $500/month. Right…

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Update: This card has been discontinued, you can check out my other favorite cash back credit cards. Do you use a rewards based credit card for the points? I know I do. Have you ever wondered which credit card gives you the best bang for your buck? That’s one thing that I always look for,…

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As I mentioned before, I started investing in Mutual funds when I was in high school. I didn’t know a lot about them at the time, or even how they really worked, but I bought them because my Dad said it would be good for my future. Fast forward a few years (or 10), now…

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So it’s 2003, we were 23 years old and we just received our University degrees. My girlfriend (now wife) and I had about $40k in student loan debt, a brand new $25k car loan (shiver), and a brand new $100k mortgage to boot. In addition, I was planning on buying an engagement ring in the…

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