Frugal October

My goal this year is to save 50 percent of my income for “taxes” (as a self-employed person I have to pay my own taxes; I do not get any money taken out of my paycheck throughout the year.) While I am unclear what my actual tax rate will be, I doubt it will be the full 50%, thus I will have additional saved funds to put towards larger purchases or saving accounts.

I’m a little behind on my target, which is scary because if my tax rate ends up being 50% after my 15% self employment tax, then I…

October Goals Re-examined

I didn’t do very well with my goals in October. I’m going to work harder in November to meet my goals. Stick to my budget. FAIL! I didn’t do very well. My food budget was decimated! I ate out way too much! I’m going to have to cut back on eating out in November.Run 5 times/week. FAIL! I ran twice during October!Swim 1 time/week. FAIL! I swam two times in October!Pack lunch at least 4 days/week (out of 5). DONE! I packed my lunch almost every day. I went out to eat two times during the…

Happy Halloween 08!

Welcome To How I Save Money!
Just wanted to say Happy Halloween to everyone and remember to save some money when you can.
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Weekly Links: Carnivals & Articles - October 31, 2008

Each Friday I highlight the Carnivals I participated in over the past week, along with any notable articles that I came across. For those readers not familiar with carnivals, it’s where personal finance bloggers submit their best articles of the week with one blog serving as the host. The entries are separated into various categories such as Investing, Credit, Debt, Budgeting, Frugality, Wealth Building, Money Management, Financial Planning, Insurance, Taxes, The Economy, Real Estate, et….

Clutter Clean Up

I seem to have lost all impetus toward decluttering my life. I threw away almost a whole closet full of stuff and it felt good. I’m still a little worried that I threw away something I might want someday, but I haven’t used the stuff fo…

Thursday Spending

$2.11 Green Teahttp://feeds.feedburner.com/SavingForAHomeOfMyOwn

It is Halloween Time Again

Welcome to How I Save Money!
It is Halloween time again and my coworkers were asking me what kinds of halloween costumes I had in mind for tomorrow. Apparently we were supposed to dress up (and WHERE is the memo?) for Halloween so that our students can…

Zero!

Welcome to How I Save Money!
I am proud to say that I FINALLY have my budget set to zero. I set up my Google documents budget to take account of all my expenses and then subtracted that from my salary.
At first I put in the minimum on every account to …

November Goals

My goals for November
Earn $100 online to add to my down payment account.Save $500 to my down payment account from my pay check.Weight = 130 pounds. Lose 5 pounds.Bike 3 times per weekRun 4 times a weekStart lifting again (2 times a week)
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If It Walks Like a Duck, Quacks Like a Duck, Then It Must Be an AFLAC (AFL) Dividend Increase and Others

When I first started dividend investing, I erroneously focused on current dividend yield. I was fortunate enough to accidentally buy some good dividend stocks and hold them long enough to figure out the “secret” of dividend investing. Dividend investing is about future yield, not current yield. It is not necessarily starting with a high-yield investment, but ending up with a high-yield investment. This usually occurs by buying investments with a moderate yield, a history of growing dividends…