Shortly after my wife and I bid on a house a few days ago, we learned that although the sellers had gone with a higher offer, they wished for us to consider becoming the official “back-up” offer. By doing so, if the first deal fell through, we would be next in line – the home [...]

Continue reading about We (still) didn’t get the house, but check out the carnival!

Michael on July 20th, 2009
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This week’s Carnival of Personal Finance features Free Money Finance’s post The Cost of a New Home.  As you know, my wife and I began looking for a home earlier this summer, hired a buyer’s agent, and have debated the merits of location vs. home quality.
Free Money Finance is also looking for a home.  He [...]

Continue reading about Mortgage Free But Looking for a Home – A Little

Michael on July 13th, 2009
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This week’s Carnival of Personal Finance features my Top 10 Most Annoying Ways to Lose A Little Money.  Among the 70+ solid financial articles in the carnival is Fiscal Fizzle’s Getting the Best Car Insurance Rates.
Among Fiscal Fizzle’s top tips are:
Home Situation, noting that often homeowners are given better auto quotes because their homeownership indicates [...]

Continue reading about Another dumb way to lose a little bit of money

Michael on June 30th, 2009
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So my wife and I are starting to shop for a home.  We’ve never owned a home before.  We almost did twice before, in two different states and in what seems like two different lifetimes ago.  For a variety of reasons, it didn’t happen either time, but I’m pretty sure it will this time.
You: What [...]

Continue reading about Buying a house

Michael on June 22nd, 2009
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Of all the articles in this week’s Carnival of Personal Finance, I most enjoyed Moneymonk’s Why American’s Don’t Save. Perhaps because it reminded me of a post I wrote long ago, Top 10 Excuses For Not Saving, but also because it was an excellent reminder of being realistic about the future.
Fact 1:  It won’t be [...]

Continue reading about Housekeeping and a Carnival

You:  It’s not lighthouses.
Probably not.
You: Or millions of acres of corn fields.
Not likely.
You:  What is it?
Very high average student loan balances.
You: How and why would you know this?
Late at night, after we get the kids down, one of the things I like to do to relax is study student loan patterns by county.
You: For real?
Heck [...]

Continue reading about What Iowa and NH have in common besides early presidential voting

Michael on June 8th, 2009
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I’m always eager to share articles written elsewhere that are useful to Beyond Paycheck to Paycheck readers.  That’s one reason I read the Carnival of Personal Finance every week. This week’s version, hosted by fellow New Englander David from Money Under 30, includes my post Should I Repair My Car or Buy Another One?
Of the [...]

Continue reading about Transfer this (balance)

Michael on June 1st, 2009
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Although my wife and I are going to celebrate our 10th anniversary in a few weeks, it was as though we were married only yesterday as I read The Weakonmist’s post How I Saved 15% On My Wedding Ring In 15 Seconds & 45% Overall, which I found while reviewing this week’s Carnival of Personal [...]

Continue reading about Sticker price vs. good price – at a jeweler

Michael on May 26th, 2009
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My wife and I took a “staycation” this weekend.  I’ll admit we didn’t plan it that way.  We had a busy Saturday planned but aside from a brief visit by family Sunday, little else scheduled for the weekend.
But sometimes you really can enjoy the place you live.
The weather in New Hampshire was stunning all weekend [...]

Continue reading about Use credit cards? Are you a lab rat?

One of the best parts of the weekly personal finance carnivals, including this week’s carnival hosted by WiseBread, it the wide variety of personal finance topics covered.  In addition, I always take the time to enjoy an article or two that I’ve been meaning to write myself but just haven’t gotten to.  This week was [...]

Continue reading about What do extra loan payments, toilet paper, and Monopoly have in common?