Everyday Cheapskate from Creators Syndicate https://www.creators.com/read/everyday-cheapskate Creators Syndicate is an international syndication company that represents cartoonists and columnists of the highest caliber. en Mon, 19 Apr 2021 01:57:30 -0700 https://www.creators.com/ http://blogs.law.harvard.edu/tech/rss Everyday Cheapskate from Creators Syndicate https://cdn.creators.com/features/everyday-cheapskate-thumb.jpg https://www.creators.com/read/everyday-cheapskate 1bed9695e0c36969cd1390ceeaacf35c Your Money Temperament and Why It Matters for 04/19/2021 https://www.creators.com/read/everyday-cheapskate/04/21/your-money-temperament-and-why-it-matters Mon, 19 Apr 2021 00:00:00 -0700 <p></p><p></p><p>Whether you're aware of it or not, you have a money temperament. Everyone does. It's the way you naturally think about money, behave with money or react to money. To loosely assess your money temperament, and to have a little fun with it, consider the following scenario and choose the response that's closest to what you would do.<p>Updated: Mon Apr 19, 2021</p> fcb6751ebb304321695a831a7e2bdd35 Feeling Rich and Living It Up for 04/15/2021 https://www.creators.com/read/everyday-cheapskate/04/21/feeling-rich-and-living-it-up Thu, 15 Apr 2021 00:00:00 -0700 <p></p><p></p><p>Dear Mary: My husband and I have been out of debt for approximately five years. It's great. The problem is we now seem to spend a lot of money needlessly just because we can. We have so much money over and above our living expenses that it is easy to be reckless. <p>Updated: Thu Apr 15, 2021</p> 957ff946e23f5b7015745f37a7d57bc1 How Much and What Kind of Life Insurance is Best? for 04/14/2021 https://www.creators.com/read/everyday-cheapskate/04/21/how-much-and-what-kind-of-life-insurance-is-best Wed, 14 Apr 2021 00:00:00 -0700 <p></p><p>Dear Mary: My question is about life insurance. My wife believes that I need life insurance because I am the sole breadwinner in the family and we have a baby daughter. </p> <p>I am not sure it is important right now, as we just bought our first house. Our financial situation is very tight, and we will be having a lot of minor improvements on the house to make it livable. I believe the situation of her mother being killed in a tragic car accident has made insurance more important to her now than it was before. What is your advice on having life insurance, and what kind is best? Thank you, and keep on being cheap! &#8212; Jim <p>Updated: Wed Apr 14, 2021</p> 15f15d735295914291460a89c8f22cbc Simple Strategies to Improve Your Credit Score for 04/13/2021 https://www.creators.com/read/everyday-cheapskate/04/21/simple-strategies-to-improve-your-credit-score Tue, 13 Apr 2021 00:00:00 -0700 <p></p><p>A credit score is a three-digit number between 300 and 850 generated by a mathematical algorithm (a mostly secret formula) based on information in your credit report, compared to information on tens of millions of other people. Like it or not, the resulting number is said to be a highly accurate prediction of how likely you are to pay your bills.</p> <p><span class="column--highlighted-text">If it sounds boring and unimportant, you couldn't be more wrong. Credit scores are used extensively these days.</span> If you rent an apartment, get braces, buy cellphone service, apply for a job or call to get utilities connected, there's a good chance your report and score will be critiqued to qualify.<p>Updated: Tue Apr 13, 2021</p> 42e150386d72b7fa2c3d45b2b614a14a Stop Paying for Things You Don't Need for 04/12/2021 https://www.creators.com/read/everyday-cheapskate/04/21/stop-paying-for-things-you-dont-need Mon, 12 Apr 2021 00:00:00 -0700 <p></p><p>A big coordinated garage sale in my neighborhood gave me a surprising wake-up call. It's one thing to see a family's stuff spread out in the front yard, but quite another to see a whole neighborhood's castoffs at one time. All I could think as I walked from one yard to the next was all the money wasters that led to this colossal display of stuff &#8212; purchased with dollars, now offered for pennies. </p> <p><span class="column--highlighted-text">Imagine how much cash we'd have right now if we could get a do-over on all the thoughtless purchases we've made in our lifetimes. </span><p>Updated: Mon Apr 12, 2021</p> 520f14cc657c85a42374a7382005a234 Take it Slow and Easy! for 04/08/2021 https://www.creators.com/read/everyday-cheapskate/04/21/take-it-slow-and-easy-cb68d Thu, 08 Apr 2021 00:00:00 -0700 <p></p><p>That slow cooker you keep on reserve for the cold months of winter is a perfect solution for summer, too &#8212; especially during these days when you just cannot look another takeout meal in the face. Think about it: A slow cooker creates very little heat and costs only pennies a day to operate. And with energy costs skyrocketing, slow cooking is good news for your grocery budget and your electricity bill, too.</p> <p><span class="column--highlighted-text">But, you may protest, I've tried to use a slow cooker, and the results have been disappointing at best. That might be because you are not sure what you're doing. You need a crash course in slow cookery!</span><p>Updated: Thu Apr 08, 2021</p> 4c94a34a72202987f50647d7f8133ed3 How to Make Homemade Dry Shampoo for 04/07/2021 https://www.creators.com/read/everyday-cheapskate/04/21/how-to-make-homemade-dry-shampoo Wed, 07 Apr 2021 00:00:00 -0700 <p></p><p>Do you ever notice how your hair hurts when you haven't washed it in a few days? Hey, washing and styling can be so time-consuming! It's not just you; greasy hair pain is a thing.</p> <p>There's a legit reason for this, having to do with oils that your scalp produces naturally accumulating around the hair shaft. A great dry shampoo can stem the tide. It does wonders to prevent the problem because it absorbs that excess oil so you can just brush it out.<p>Updated: Wed Apr 07, 2021</p> eb04440b1c92d35d4466a2c164fce1fb How to Wash White Laundry to Keep It Looking Brilliant for 04/06/2021 https://www.creators.com/read/everyday-cheapskate/04/21/how-to-wash-white-laundry-to-keep-it-looking-brilliant Tue, 06 Apr 2021 00:00:00 -0700 <p></p><p></p><p><p>Updated: Tue Apr 06, 2021</p> 38c171c202f0b872629073262824d53d 4 Good Reasons to Kick the Credit Card Habit for 04/05/2021 https://www.creators.com/read/everyday-cheapskate/04/21/4-good-reasons-to-kick-the-credit-card-habit Mon, 05 Apr 2021 00:00:00 -0700 <p></p><p>There are many reasons not to carry credit card debt. The most obvious is that it's really expensive. And here's a reason often overlooked: It seems so much harder to work for money you've already spent.</p> <p>But what if you do not carry any credit card debt at all? There are some who would say it is perfectly reasonable to use credit to pay for everything, provided you are able to pay it back down to $0 during the grace period.<p>Updated: Mon Apr 05, 2021</p> b963a0f8db5c6b3478df79dee5e5842e Take the Sure Thing, or Straighten Up and Fly Right for 04/01/2021 https://www.creators.com/read/everyday-cheapskate/03/21/take-the-sure-thing-or-straighten-up-and-fly-right Thu, 01 Apr 2021 00:00:00 -0700 <p></p><p>Dear Mary: We live in Nevada and own a second home in Arizona. My husband wants to sell the Arizona property and then use the proceeds to pay off our credit debt, auto loan and home equity loan on the Nevada property &#8212; about $165,000 total. </p> <p>I disagree. I think we should rent the Arizona property to generate income and benefit from its future appreciation. <p>Updated: Thu Apr 01, 2021</p> f0f7181e1ad573e24229ee25bdc3b3e4 Broke? Can't Save? Oh, Yes You CAN! for 03/31/2021 https://www.creators.com/read/everyday-cheapskate/03/21/broke-cant-save-oh-yes-you-can Wed, 31 Mar 2021 00:00:00 -0700 <p>How's your health? Not your physical fitness, but your financial well-being. For most of us, how much we earn tells us how we're "feeling" financially. But your income is only one part of the equation. How much of your income do you actually keep?</p> <p>Not very much, I'll bet. Your income is low, you say; you've got bills to pay. Rents are sky-high; grocery costs are through the roof. Who can possibly save?</p> <p>My answer: You can. Yes, you can save money!<p>Updated: Wed Mar 31, 2021</p> 39d1a38761da237cd18470a1c5755f21 Yesterday, I Turned Back Time for 03/30/2021 https://www.creators.com/read/everyday-cheapskate/03/21/yesterday-i-turned-back-time Tue, 30 Mar 2021 00:00:00 -0700 <p></p><p>I reset my lawn sprinkler timer, which was more than an hour off due to the spring ritual known as daylight saving time. Rather than move it one hour ahead, I decided to let it run backward. It was mesmerizing to see time back up &#8212; so much so that when I reached the desired time, I didn't stop. I let it go back another 24 hours and then another, one hour at a time.</p> <p>As the numbers counted backward, I let my mind wander. If I could, would I want to relive the time that has passed? Would I want to put my life on rewind?<p>Updated: Tue Mar 30, 2021</p> e391c4ec6cc6fd511861ae67e0e60268 Everything I know About Negotiation I Learned in Order to Survive for 03/29/2021 https://www.creators.com/read/everyday-cheapskate/03/21/everything-i-know-about-negotiation-i-learned-in-order-to-survive Mon, 29 Mar 2021 00:00:00 -0700 <p></p><p>Driven to save myself and my family from financial ruin, I jumped into the deep end of the industrial real estate industry. I knew nothing about negotiating. All I knew was that I had to close deals &#8212; bringing interested parties together, getting them to agree and seeing that everyone walks away a winner.</p> <p>I no longer sell real estate, but I still rely heavily on the negotiating skills I learned. Sometimes, it's a complex issue, but most of the time, it's just a series of one-minute negotiations.<p>Updated: Mon Mar 29, 2021</p> c1254b60b09797ecedf7360957a3f8f4 And the Winner Is ... for 03/25/2021 https://www.creators.com/read/everyday-cheapskate/03/21/and-the-winner-is--3827c Thu, 25 Mar 2021 00:00:00 -0700 <p></p><p>It's official. My readers are the best, and not bad-looking, either. Not only are you loyal, but you've also made mail time the high point of my days. Your letters and tips are great, and when you send in advertisements, credit offers and consumer rip-offs, it tells me you're paying attention. It appears you are getting very good at it, too.</p> <p><span class="column--highlighted-text">Realizing it is the season for awards shows, I thought today I'd hand out a few awards of my own:</span><p>Updated: Thu Mar 25, 2021</p> 694253374dc463559ee58f001aee364a How to Freeze Eggs, Dairy Products and More for 03/24/2021 https://www.creators.com/read/everyday-cheapskate/03/21/how-to-freeze-eggs-dairy-products-and-more Wed, 24 Mar 2021 00:00:00 -0700 <p></p><p></p><p>I'm sure my supermarket is not the only grocery store with an area in the back I call "My Bargain Bin." It's refrigerated and features some dandy bargains, especially on perishable items approaching that "sell by" date. There are no limits on the number of items I can load into my cart &#8212; all of them with ridiculously low, rock-bottom prices.<p>Updated: Wed Mar 24, 2021</p> 8425c98aebba11c4ab0757e956febeb3 Who Needs Balance? for 03/23/2021 https://www.creators.com/read/everyday-cheapskate/03/21/who-needs-balance Tue, 23 Mar 2021 00:00:00 -0700 <p></p><p>Dear Mary: What does it mean to "balance" my bank account? How do I do that? Why should I? I really appreciate you answering my question. I'm sure I should know this, but honestly, I don't. &#8212; Josey</p> <p>Dear Josey: This is a great question, and I'm sure you'd be surprised to know just how many of your fellow readers want to know the same thing!<p>Updated: Tue Mar 23, 2021</p> a88068bd81d67ae0a201b25cd745a98d Before You Jump Into HEL, Consider Your Options Very Carefully for 03/22/2021 https://www.creators.com/read/everyday-cheapskate/03/21/before-you-jump-into-hel-consider-your-options-very-carefully Mon, 22 Mar 2021 00:00:00 -0700 <p></p><p>Dear Mary: We have decided to pay off a bunch of bills and do some much-needed repairs on our house. Can you tell me the difference between a home equity loan and a home equity line of credit? Which would be better? &#8212; Scott </p> <p>Dear Scott: With a home equity loan, or a HEL, you walk away with a check for the full amount of the loan and a second mortgage on your home. You will likely pay a loan fee and closing costs. Interest rates are fixed and currently average around 5%. <p>Updated: Mon Mar 22, 2021</p> 2432755db0f8ba63c9145621f2dbb78f How To Spring-Clean Your Car for 03/18/2021 https://www.creators.com/read/everyday-cheapskate/03/21/how-to-spring-clean-your-car-0f99d Thu, 18 Mar 2021 00:00:00 -0700 <p></p><p>When you think of spring-cleaning, you probably think of your home. But what about your car? It's served you well all winter long. It's been through the mud &#8212; and snow, sleet, sand and salt. It needs a good cleaning, too!</p> <p><span class="column--highlighted-text">You could take your car to a professional car detailer and spend $150 or more to get it cleaned up for spring. Or you can keep the cash and do it yourself.</span><p>Updated: Thu Mar 18, 2021</p> ada74b44f50d6873504f8ebaa3fce01f What Is a Grace Period, and How Does It Work? for 03/17/2021 https://www.creators.com/read/everyday-cheapskate/03/21/what-is-a-grace-period-and-how-does-it-work Wed, 17 Mar 2021 00:00:00 -0700 <p></p><p></p><p>Dear Mary: Is there a law that says how long the grace period must be? (And if you don't mind, exactly what IS a grace period?) &#8212; Justin<p>Updated: Wed Mar 17, 2021</p> 42e8e6328f785e09f170d756509ba533 Financial Harmony Is More About Trust Than Money for 03/16/2021 https://www.creators.com/read/everyday-cheapskate/03/21/financial-harmony-is-more-about-trust-than-money Tue, 16 Mar 2021 00:00:00 -0700 <p></p><p>Dear Mary: My wife and I have been married for three years. She has memorized my credit card information. </p> <p>This is my personal account, and she is not listed as an authorized user. However, she charges to it without my knowledge, and it's getting out of hand. About a year ago, I took a loan from my 401(k) and paid off the balance, only to have her charge it up again. <p>Updated: Tue Mar 16, 2021</p>