Michael on January 29th, 2009
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There was a pretty good article in yesterday’s WSJ called In the Fight Against Bill Creep, Every Extra Fee Is the Enemy.  You’ve probably heard me talk before about the importance of the recurring minor. While I don’t believe every financial problem can be solved by destroying coffee shops (Your problem isn’t Starbucks.) I passionately [...]

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Michael on January 21st, 2009
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Much has been going on behind the scenes here at Total Candor.  Today’s blog post highlights some of the most important:

In early November, I was named the Guide to Retirement Planning at About.com.  About.com is one of the web’s leading producers of original content and is a New York Times Company.  To learn even more [...]

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Michael on January 12th, 2009
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As my wife and I got ready for bed last night I pushed on the top of the soft-soap dispenser.  Out came a solution roughly composed of 95% water and 5% soap.  I looked at my wife.  She started laughing.  And then I knew what happened.
My three (AND A HALF!) year-old daughter has found a [...]

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Michael on December 24th, 2008
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We received over a foot of snow last Sunday.  This was on top of another foot that had finished falling less than 24 hours previously.  Needless to say, it was a day that the entire family (save for my shoveling excursions) stayed inside.  It could have been boring.
It wasn’t.
In fact, at the end of the [...]

Continue reading about When you spend less, you get more value out of life

Michael on November 21st, 2008
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After a week in Hawaii and a couple of days in Los Angeles, I am glad to be home in NH, even though the temperature is about 55 degrees colder here.
You: Tired?
Exhausted. Two red-eyes in three days is quite enough.  Nonetheless, I have some sleep-deprived observations from my trip to share.
I’ll start with LA.
“Los Angeles,” [...]

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Michael on October 27th, 2008
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I visited my brother over the weekend.  He gave me another example of how to live fiscally responsibly without being cheap.
You: Why is “living fiscally responsibly, not cheaply” such an obsession for you?
While obsession seems like a strong word, the concept is critical because it is sustainable.
You: You mean from an environmental perspective?
No.  A successful [...]

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Michael on September 12th, 2008
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It’s been a very busy week traveling the country teaching Life Lessons of Personal Finance.  Just now, I just had the opportunity to read this week’s Carnival of Personal Finance which, as always, has lots of fun postings.  While it was great to see that the host, BankerGirl, loved my analogy between football and savings, [...]

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Michael on September 3rd, 2008
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In honor of the kick-off of the NFL season, here are five ways that saving is like football:
1.  Rooting for a loser and choosing to save are decisions that aren’t about today.
They’re about loyalty to your principles, enabling you to enjoy the future even more — whether that be a Super Bowl Championship (finally!) or [...]

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Michael on August 27th, 2008
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While it’s important to be fiscally responsible, it’s also critical to not be cheap. Life is too short to feel like you’re constantly depriving yourself. Instead, live in balance. By following the top 10 saving strategies, you won’t need to budget for everyday expenses (Strategy # 10) and you can spend with [...]

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Michael on August 22nd, 2008
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Like it or not, your commute is one of the most important parts of your day. A really bad one in the morning can set your whole day off in the wrong direction the same way an otherwise good, productive day at the office can still be sabotaged (and ruin your evening) by an [...]

Continue reading about What’s the best way to get to work, financially?