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Lazy = No money

Gather Little by Little - Personal Finance with a Christian Perspective -- Okay, that title was just to get your attention. People who have little money are certainly not all lazy. A lot of people struggle to make ends meet while still working hard. My point is that many times we allow money leaks into our lives simply because of laziness. Lazy people miss out on deals or discounts because of procrastination. Coupons? Too hard to cut out and use. What about sweat equity?...     09:15
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SmartyPig Review – 2 X $50 Giveaway – A Smart Way To Save Money!

Gather Little by Little - Personal Finance with a Christian Perspective -- Last week, I attended an Economic Conference about the global stock market. The economist pointed out that most Americans started saving again instead of spending away all their money. I was happy to see that the population has finally realized the impact of saving money towards achieving their goals instead of borrowing money on their home to pay off their credit cards. This is a huge step to gai...     11-23
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Friday Gathering: My favorite holiday is right around the corner!

Gather Little by Little - Personal Finance with a Christian Perspective -- Some of us are going to be seeing a lot of traffic lights over the next week or so . . . Here are some articles that I like: A great article from Kevin at Moolanomy where he challenges us to help ourselves, not the economy. He is right. Our government needs us to spend money. They want us to spend money, even if it is not in our best interests. I say that they need to balance their own books. Bein...     11-20
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Talking Money with your (future) wife

Gather Little by Little - Personal Finance with a Christian Perspective -- As I had written a few weeks ago, a good friend of mine is getting married in early 2010. Being a financial planner, I always find it interesting to see how couples deal with money. It is often overlooked but it shouldnt be. Studies have shown that financial corners and disputes rank at the top of the reasons for separation/divorce. Its a lot more complex than most people think and its so easy to ...     11-20
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Carnival of Money Hackers – My Money Success Edition

Gather Little by Little - Personal Finance with a Christian Perspective -- Hey! Another Carnival at GLBL! Don’t worry; this is the last one until the Carnival of Personal Finance at the end of the year Along with the Carnival, I’ve decided to share a few of my money successes. After sharing my money flaws last week, I also wanted to share some financial achievements from the past year. Handling personal finance is not always easy and it is important to acknowledge our fa...     11-18
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More discussion on the homeschool issue

Gather Little by Little - Personal Finance with a Christian Perspective -- There were so many questions from yesterdays post on Homeschool Finance, that I decided to do a follow-up post today and explain a few things: Mike asked: Have you calculated the option cost of having your spouse at home teaching your children instead of working full time or part time? Good question. My wife stays home with the kids and actually makes money by watching other children in our home. ...     11-18
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Homeschool Finance

Gather Little by Little - Personal Finance with a Christian Perspective -- When my wife and I started to have children, we never thought that we would end up as homeschoolers. This year we are just that. We have a first grader and a kindergartener and we are educating them at home. I do not want to get into a long discussion about the pros and cons of homeschool v private school v government school. The bottom line is that we believe this is best for our children at this...     11-16
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Friday Gathering: Mrs. Stew’s Picks Edition

Gather Little by Little - Personal Finance with a Christian Perspective -- Here are some articles that Mrs. Stew liked this week: Think Your Way to Wealth wrote about the challenges of living on one income. There are challenges, but also blessings to having a parent at home all day . . . This article might be a hint from Mrs. StewBorrow from None wrote about lesson six in the Financial Peace University: Buyer Beware. I could probably do a better job in that area sometime...     11-14
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Are you as leveraged as Goldman Sachs?

Gather Little by Little - Personal Finance with a Christian Perspective -- For decades, many of us have been putting more and more of our money into real estate. Strange enough, it is an asset class that many owners do not even consider when they answer questions about their stock portfolio or investments even though it is by far the most significant in many cases. Are you among those who complained about the major banks’ excessive leverage? Chances are that you or your ...     11-12
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Lucy, you got some [financial] ’splainin’ to do!

Gather Little by Little - Personal Finance with a Christian Perspective -- I have been doing a lot of thinking about family finance and especially the financial relationship between a husband and wife. I do not have all of the answers to solve every problem in this area, but I thought I would share just a few thoughts: Family finance is about priorities. Both the husband and the wife should contribute to these priorities. It is our money, regardless of who may have direc...     11-11
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Oh, the weather outside is frightful

Gather Little by Little - Personal Finance with a Christian Perspective -- . . . or soon will be. We used to live in one of the coldest areas of the country. Our heating bills for a 1,200 square foot house ranged from $225 and $275 a month during the winter. We now live in a state with a more mild winter and our heating bill never really goes over $100 in a month. Needless to say, in our former home, we did everything possible to hold costs down and even though our curre...     11-11
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Carnival of Money Stories – My Money Flaws Edition

Gather Little by Little - Personal Finance with a Christian Perspective -- Welcome to this edition of the Carnival of Money Stories! Since all featured posts reflect a money story, I decided to share my money flaws along with the articles. If you are new to Gather Little by Little, you should read the following articles: - How to build a compost bin - How to get your finance under control - Simple ways to make money online - zero percent transfer balance credit card Mone...     11-09
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Friday Gathering: Daylight Savings Edition

Gather Little by Little - Personal Finance with a Christian Perspective -- I dont know about you, but I think Daylight Savings is dumb. Why not just let the amount of sunlight wax and wane naturally? I miss driving home when the sun is still up at 5 pm . . . not a big deal, but I would love to get rid of it. Here are some articles that I found interesting this week: Ron from the Wisdom Journal posted the top 10 consumer credit card events of 2009a good read. I am not sur...     11-06
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Are you preparing for the worst?

Gather Little by Little - Personal Finance with a Christian Perspective -- Last week, after reading Stew’s article about why he does not expect to buy gold, I started thinking. Over the past few months, I’ve been hearing an increasing amount of interest in preparing for “worst case scenarios”. It seems as though last year’s major crisis left some very important consequences. So what are these dark scenarios? Here are a few that are often discussed: -Collapse of the entir...     11-06
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How much does your vice cost?

Gather Little by Little - Personal Finance with a Christian Perspective -- Wikipedia defines a vice as a practice or a habit considered immoral, depraved, and/or degrading in the associated society. In more minor usage, vice can refer to a fault, a defect, an infirmity or merely a bad habit. Recently, I spent some time thinking about how much money I spend on things that I really do not neednot necessarily things that make life easierbut rather things that are simply a h...     11-05
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10 Small Ways to Save Money That Make a Big Difference

Gather Little by Little - Personal Finance with a Christian Perspective -- Image: alamosbasement When it comes to saving, sometimes starting small feels almost like not starting at all. A bit here and a bit there tends to add up like drops in a bucket. The important thing to remember though when it comes to saving money is that those drops can eventually grow to a trickle, then to a stream, then a torrential current of cash. Using small ways to save is similar to the bun...     11-03
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Be a discriminating customer, a diligent employee and a generous entrepreneur

Gather Little by Little - Personal Finance with a Christian Perspective -- The free market is not perfect. We all know of stories about unethical or corrupt businesses, but lately capitalism has been getting a bad rap. I just thought it might be nice to remind ourselves of a few of the benefits of Americas historic economic systemnot because its perfect or because it was ordained of God or anythingbut just to help us realize that capitalism is not all bad:Capitalism gene...     11-02
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“In Cheap We Trust”: Review and Giveaway

Gather Little by Little - Personal Finance with a Christian Perspective -- If we had to separate people into 2 different clans: The Thrifts and the Spendthrifts, I would probably be closer to the latter. Unfortunately, the thing I like most about money is spending it. However, being a husband and father of two beautiful children has helped me be more responsible financially. While I never really wasted my money, I have always enjoyed earning more to spend more in order t...     10-30
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Best Investment for 2009: Use your Emergency Fund to pay off your debt

Gather Little by Little - Personal Finance with a Christian Perspective -- Just by writing this title, I already know that people won’t agree with this strategy. How can you tell people to get rid of their emergency fund while we are in one of the most important recessions ever? So please, keep reading until the end of the post, I promise to make sense First things first, I am a big fan of the “pay yourself first” technique when it comes to personal finance. If you consi...     10-29
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A fragrant aroma

Gather Little by Little - Personal Finance with a Christian Perspective -- This passage is one of the most instructive passages regarding money in the New Testament. The end of this letter is more or less a simple thank you note to the Philippian church, but it throws back the curtains to show the secret of Pauls contentment in Christ. The passage does not need a great deal of commentary, but let us just look at a few things that have been a challenge and encouragement t...     10-29
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