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The Very Best Money Saving Tips Always trying to save money but somehow you always end up spending more than you save? I will try and detail my very best money saving tips for you to make use of. Saving money can be easier than many people think, but only if you go about it the......
RCDL Weekly Roundup - Be Prepared to Get Stuffed Thanks for joining us here at RCDL for another weekly roundup. Hope your Thanksgiving dinners are full of good food, great friends, and lots of laughs. Some new categories are with us this week and some old ones. Easy to find and browse for your weekend reading pleasure. Retirement My......

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How To Save Money On Health Care (When Having A Baby Or Having Other Medical Procedures)

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July 9th, 2010 By: Richard

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One of the most expensive line items in a lot of people’s budgets is the health care category. Whether you’ve got a lot of health issues and just end up paying a lot of money, or if you have high ticket health care insurance, the costs can be quite high. Because the costs are already high, it’s important to make sure that you don’t end up paying even more than you have to by making sure you do a few common sense things. Read more... (945 words, 11 images, estimated 3:47 mins reading time)

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Real choice in health care There's so much confusion out there about health care reform, and it's all to the detriment of consumers. For one thing, the very phrase "health care reform" is a misnomer. What we really mean when we talk about health care reform is "health insurance reform," because the real problem with......
3 Reasons Why You Need Multiple Streams of Income One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them.......

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The Seven Deadly Sins Of Spending

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June 15th, 2010 By: Richard

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Spending money is a necessary part of life that requires diligent planning and serious discipline. You may have also realized it’s really fun.

Many of us, often without realizing it, allow our spending habits grow out of control and wreak havoc on our bank accounts. The following are the Seven Deadly Sins of Spending we can all afford to avoid and tips for overcoming them.

1. Pride

It’s easy to get caught up in image. Many people try to maintain an air of wealth or affluence by buying things they can’t afford. Read more... (905 words, 11 images, estimated 3:37 mins reading time)

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Best of the Rest: Contest Edition It's Sunday, which means the Your Negotiators contest is over and we're here to announce the winners. And they are...@bucksome, @mgmommy0930, and Michael. Congratulations! They've been contacted and after working with Your Negotiators, hopefully we'll get a testimonial about how the experience went. This week's must-reads: Two are from Financial......
Sunday Money Madness - Can you buy an entire chess set in a pawn-shop? Just another Sunday roundup here at RCDL. Here's what I found interesting around the blogosphere this past week: Credit and Debt Credit Karma has a slew of excellent posts on credit, here's one I thought readers would enjoy: The Biggest Four Credit Mistakes. Stop Buying Crap writes Got Debt from......

Posted in Commentary, debt, guest post, spending | No Comments »

Can You Go To Jail If You Don’t Pay A Debt?

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June 14th, 2010 By: Richard

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Being in debt is never fun. You carry a weight on your shoulders, and are bound by the obligations that you must fulfill. It stinks, but at least there are some protections for people who aren’t able to pay, and rules that govern how debts can be collected. In the past, debtors were not given as much leeway. In fact they were treated quite harshly. They were often sent to debtor’s prison: Read more... (1446 words, 11 images, estimated 5:47 mins reading time)

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Smart Credit Card Debt Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be......
How to Go Into Debt to Get Out of Debt This really sounds like the ultimate oxymoron, but one of the best ways to get out of debt is to go a little bit further in. What’s that? First, to help this make more sense, let’s clarify – if you need to get out of bad debt, going into good......

Posted in Collections, Credit, Law, debt | No Comments »

Should I Pay Off My Home Mortgage Early Or Invest?

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June 3rd, 2010 By: Richard

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In the past couple of years my wife and I have been able to dig our way out of debt – and a couple of years ago we paid off our last debt, a student loan for my college education. It was an amazing feeling being able to do that – it was a weight off our shoulders. Read more... (1635 words, 11 images, estimated 6:32 mins reading time)

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Paying Off Debt From Inheritance The other day I was listening to a local radio show about personal finances. The host took a call from an emotional listener (I'll call her Kelly) who had recently lost her mother to cancer. Kelly's mother left behind a $100,000 life insurance policy, along with a number of other......
How To Pay Off Your Mortgage Early Despite what you have read in the papers and magazines lately, there are actually people who try to avoid debt or burying themselves in debt. Hard to believe, I know. In fact there are some people who like to own their house free and clear of any mortgage. Why would......

Posted in Investing, Real Estate, debt, mortgage | No Comments »

Need To Consolidate Debt? Lending Club May Have The Solution

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May 19th, 2010 By: Richard

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I‘ve been writing about Lending Club for quite some time now, but usually from the viewpoint of an investor. I’ve invested in 30+ loans over the last year or so, and thus far I’ve been extremely happy with the experience. I’ve been pretty careful about the loans that I invest in, and I think because I’ve been so careful, I haven’t yet had any of my loans default.

One thing I have neglected to write about much in regards to Lending Club is how you can also use the service as a borrower, and now it may be more manageable as they’ve added a 5 year term loan for borrowers. Read more... (772 words, 14 images, estimated 3:05 mins reading time)

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The Dangers of Financial Illiteracy Financial illiteracy is a growing problem throughout the world, and as the recent housing crisis has brought to light, it can have dangerous consequences. There are a few basic financial tips that everyone can use to increase their financial literacy the easy way, and many of these tips can help......
Lending Club $50 Bonus To New Investors I've posted a couple Lending Club reviews here before, along with the occasional progress report. The last thing I want to do is bombard you with updates on my Lending Club portfolio, but since an opportunity came along to help you earn $50 just for signing up, I thought I......

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Do You Really Have To Sacrifice To Get Out Of Debt?

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April 15th, 2010 By: Richard

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In my experience, people who get out of debt do so primarily through hard work, sacrifice, and persistence.

In fact, I think the road to the debt free life is built by the hands of sacrifice.

Why Must You Sacrifice To Get Out of Debt?

Since sacrifice involves giving up something, I’m going to say the opposite of sacrifice is indulgence. Financially speaking, indulgence would be spending without any control. It is purchasing whatever thy heart does desire. Sacrifice would mean giving up something. Read more... (852 words, 11 images, estimated 3:24 mins reading time)

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Moving Is Going To Save Us A Ton Of Money And Improve Our Quality Of Life. L.A.'s Only Affordable Real EstateI write quite often about how I love living where we do...we are one block from the beach, the weather is nice 99% of the time, we were able to get rid of one of our cars because everything I need is within walking distance. I......
Voluntary Simplicity - Is It The Answer? Wouldn't you like to work less and retire earlier? Have you ever thought of a way to make that happen? Most of us (myself included, back in the day) just go through life getting up in the morning, putting in our 8-10 hours a day (or more) and coming home......

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How To Deal With Your Creditors. David Style!

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April 5th, 2010 By: Richard

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I remember like it was yesterday, my wife and I were deep in debt and creditors were calling us every day! Of course just like many “good people” that owed money and either didn’t have the means to pay or just plain didn’t want to pay…..I applied the strategy of not answering the phone! Disclosure- I belonged to the category that because of being laid off I did not have enough money to pay but I will admit that eventually I got to the point that I just did not want to pay! Until one day I finally got fed up and said to myself: “I’m not supposed to be living like a prisoner in my own home, this has got to stop!” Read more... (1623 words, 12 images, estimated 6:30 mins reading time)

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Bartley Cavanaugh Golf Course, Sacramento, CA Bartley Cavanaugh Golf Course is located in: Sacramento, CA Phone: 916-665-2020 Website: http://www.bartleycavanaugh.biz Course History: This public course was named in honor of a city manager from Sacramento and first opened its doors in 1995. It's been a popular course ever since and combines some great values with challenging play.......
Republicans can't seem to bring in money anymore. A progressive democrat couldnt even make this stuff up if they wanted to. I just love reading stories about republicans deserting Bush and his cronies. From DailyKos.com: "Every year in August, George Bush headlines a fundraiser at his neighbors' ranch, the Broken Spoke Ranch. The fundraiser is targeted to the......

Posted in Credit, bible verse, debt | No Comments »

How To Find The Best Value Cars

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April 1st, 2010 By: Richard

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I recently received the new Consumer Reports Top 2010 cars edition. This annual review provides a number of interesting car analyses covering ratings, reliability, value and performance (as mentioned in the title).

While the top picks and best and worst cars sections are certainly interesting, I was much more attracted to the best values of cars.

As an aside, my approach for cars is to purchase a used car (when needed) and drive it until it is either unsafe or to the point to where repair is just ridiculously out of the question. Read more... (937 words, 12 images, estimated 3:45 mins reading time)

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21 Things We're Learning to Live Without [/caption] By Rick Newman What do you really need? It's become a national question. With jobs and money scarce, consumers are taking inventory and tossing lots of stuff once deemed important into a humongous discard pile. To safeguard the essentials—a safe home and supportive community, the kids' education, Internet connectivity,......
How Software Can Help Determine Coin Collection Value Everywhere you turn things are going high tech. Cars have navigation systems in them which will tell you where to turn. Phones can tell you where the nearest hot spot is. Your computer can tell you what your coin collection value is. This last one is something which even many......

Posted in Automobiles, Miscellaneous, debt | No Comments »

Stop Faking It

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March 25th, 2010 By: Richard

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photo credit: Damian Morys Foto

This is a guest post written by Derek Clark of Christian Common Cents. Christian Common Cents is focused on biblical solutions to financial problems, specifically getting out of debt. If you are interested please consider subscribing to the Christian Common Cents RSS feed.

Proverbs 13:7 – One man pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth. Read more... (836 words, 12 images, estimated 3:21 mins reading time)

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