Saving Money

The Amazing POWER of Residual Income

Residual income can be many things – it can be interest income from a savings account, small royalties or dividend payments from creative work or investments, or even rental fees from income property.  In my case, my residual income takes the form of small payments from some minor oil leases that have been passed down […] Read more…

I have a unique strategy for paying off credit card bills FAST.

The TRICK to Minimum Payments

Credit card debt can be a significant drain on your budget. Even if you’ve gotten smart and put the cards away (or cut them up!), you still need to find a way to rid yourselves of those pesky balances. One trap that many debt-ridden consumers get into is just paying the minimum payments. Here’s why […] Read more…

I think College Is a Rip-Off! #AdriansCrazyLife

I Think College is a Rip-Off!

There!  I said it – I think college is a huge rip-off.  I know it’s supposed to be the American Dream, but I was skeptical of it when I was a kid.  If anything, I’ve gotten more skeptical as I’ve gotten older. College tuition has skyrocketed FAR more than it should have.  The latest stat […] Read more…

Save Money by Paying with Cash

Spend Dramatically Less by Paying With Cash

If you want to spend dramatically LESS, try switching from plastic to all cash.  It will make you so much more aware of what you are spending and you’ll think about your purchases more carefully since cash is a limited commodity while plastic seems to be unlimited (although it really isn’t when that credit card […] Read more…

How to Write a Complaint Letter That Gets Results

If there’s one thing I’ve noticed, it’s that most people do not know how to make an effective complaint.  I’m actually really good at doing that.  I actually used to write formal complaint letters for people on Fiverr. So, here’s a situation I experienced recently that ended in a refund of several hundred dollars. As […] Read more…

Water Alarm

Save Money – Get a WATER ALARM

I am always surprised when I find that most people have not heard about a water alarm.  These things are BRILLIANT and have saved our bacon more times than I can count.  Water damage can be very expensive.  We’ve had water in our basement at least 10 times now from either our washer, our water […] Read more…

Outsmart the Same as Cash Programs

Outsmart the “Same as Cash” Programs

These 90 days* same as cash deals can be really good or really bad. Here are some tricks to keep them on the good side of things and save you money.  They can be very effective when used correctly.  (*I say 90 days, but many of them are like 6 months or a year) This […] Read more…

Saving money can be hard. Here are some clever strategies to help you save more.

Trick Yourself into Saving MORE with Stealth Savings

Sometimes I think the saving habit is one of the hardest habits to develop.  But that savings account has saved my butt so many times, I just don’t understand how people function without one.  That’s one of the reasons I came up with this stealth savings strategy. I think the trap people fall into is […] Read more…

Your teens will be buying their own groceries soon. You need to teach them these lessons right away.

Teach Your Teen to be a Smart Shopper

Most financial experts agree that the best way to teach kids to be a smart shopper is to actually let them TRY it.  They need to learn from their own successes and failures.  Since one of your biggest recurring expenses is your grocery budget, this is a great place to start. Do you realize our teen is […] Read more…

Why You Need to Control Your Fast Food Spending

Fast food seems like such an easy and harmless thing – a burger here, a pizza there, maybe a latte in the morning, but before you know it, it can really sabotage your budget.  Take a look at some of the statistics below: Quick Fast Food Statistics Most Americans eat fast food 1-3 times a […] Read more…

Thoughts About College

Next to your house, probably the biggest expense you will have in your life is paying for a college education for your kids. Therefore, it would only make sense to give it a LOT of thought. However, for most people, the only thought they give to college is HOW they are going to pay for […] Read more…

Give Your Naughty Credit Card a Time-Out

One technique I like to use for getting my spending under control is to put my credit cards into a “time out”.  It’s really helpful because sometimes I get into sort of a “binge spending” mode, and getting the credit cards out of my hands really helps to get me back on track.  I’m betting […] Read more…

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