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19 FREE Personal Budgeting Spreadsheets (Excel)

Posted by Sean | July 30, 2008 .

FREE Budgeting Spreadsheets…
The Mother Of All Comparisons
If you use Quicken or MS Money, do you use it proactively or reactively?
Almost two years into Quicken, I realized I’m using it very reactively. Doh!
In other words, I am 1.) dumping my expenses in for 2.) analyzing sometime in the future and 3.) kinda-sorta influencing my spending. Compared [...]

Who loves comments? I love comments!

Posted by Sean | July 29, 2008 .

Great comments are the most exciting part of blogging. I love everything from a good one-liner to rambling alternative viewpoints. Heck, I already know what I think, unless I’m doing research that will take me in different directions. So to encourage comments from other financial bloggers, I’m working on a few changes to Financial Ramblings:

Top [...]

Your State’s Resources for Car Insurance

Posted by Sean | July 29, 2008 .

After the eye-opening research on car insurance in Missouri, I wanted to provide similar resources for people in other states. So here is the list of state government page that deal with car insurance. They are of variable quality, so some people will be overjoyed to find this list, and others will be sorely disappointed. [...]

Extreme Home Makeover (needs an) Extreme Concept Makeover

Posted by Sean | July 28, 2008 .

from WSB in Atlanta….
Extreme Home Makeover House Threatened With Foreclosure

An Extreme Home Makeover may be going bust. The first metro family who got a new home is facing foreclosure.
“Beazer gave them $100,000 cash, paid their mortgage off and they still can’t make it," said Oswalt.

SLIDESHOW: Before-and-After (whoa nelly!)
It’s been awhile since I caught a whiff [...]

Review: The Making of Modern Economics (Audiobook)

Posted by Sean | July 27, 2008 .

title: The Making of Modern Economics:
sub-title:The Lives and Ideas of the Great Thinkers
length: 19 hours, 32 minutes (unabridged)
author:Mark Skousen
published: 2004
purchased: Audible.com

Finally!
I don’t know which week I started listening to this book, but it took nearly twenty hours to complete. How in the world did I get myself into this mess? I liked Macro [...]

Personal Finance Weekly Roundup #6

Posted by Sean | July 25, 2008 .

Selected favorites from Financial Ramblings, StumbleUpon, del.icio.us, PFbuzz and the carnivals. Light roundup this week, because I’m working on a few huge posts / projects.
Ramblings
Credit Scores and Car Insurance - the best numbers I could find to tell the story.
Reading
Lower Your Cost Of Living The Geeky Way - I like when old ideas get new [...]

If you were given $50,000 USD (tax free) today, what would you spend it on?

Posted by Sean | July 25, 2008 .

If you were given $50,000USD (tax free) today, what would you spend it on? Hank’s Holiday Handout #3 (drawing on August 6)

The first thing I’d do if I won the 50,000 is try and work through some questions…
"Is it a financial windfall? Do I need to watch for any psychological pitfalls?"
I’ve seen articles that say [...]

The Clark Howard Show: The #1 Frugality Podcast (and so much more)

Posted by Sean | July 23, 2008 .

@ ClarkHoward.com
@ iTunes

"This is your show and I’m here to serve you, with advice and info that you can put to work in your wallet each and every day, so you can save more, spend less, and not get ripped off."
title: The Clark Howard Show
format: podcast
length:~69 minutes (2 parts)
[...]

It Is Not Easy To Read As Many Books As I Used To Buy!

Posted by Sean | July 22, 2008 .

Okay, so I’m plugging away at my goal of "saving" $500 in book expense by using the public library in 2008. I’ve had a book out almost nonstop and keep adding to my financial library. I feel like I’ve learned a lot (hope I’m not kidding myself here :-)) and connected a lot of dots.
But [...]

By The Numbers: Credit Scores and Car Insurance

Posted by Sean | July 20, 2008 .

Did you know your credit score can influence your car insurance rates?
You probably answered a big "YES" if you read personal finance blogs.
If not, here are five quotes to explain what is going on, by the numbers…

"According to a study by Conning and Co., more than 90% of auto insurers use a credit scoring system [...]

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