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Cadillac XLR Platinum 2009 Cadillac XLR PLTNM Convertible 5miles BIG SAVINGS

US $79,871.00

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Lincoln Navigator US 2WD 4dr NEW 2008 LINCOLN NAVIGATOR LOADED 4X2 $14000 SAVINGS

US $42,700.00

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8 Tips on Saving Money Without Scrimping

December 2nd, 2008 — , bathroom mirror, budget, cable television, credit card bills, credit card debt, direct deposit, disney world, family spending plan, family vacations, frugal tips, goal, high speed internet, luxuries, paying off credit card debt, personal finance, rainy day, saving, saving money, sense of purpose, set goals, small pleasures, summer trip, trade offs, vacationing in hawaii, weekly goals from Rich Leverage @ Rich Credit Debt Loan

Retrain your Brain -
If you deprive yourself of the things that bring you pleasure, you are going to have trouble saving money. Retrain your brain by visualizing a future that is more fulfilling, like credit card bills that are smaller, and higher savings account balances to give yourself a sense of purpose with your [...]

Is a Savings Goal Necessary?

November 24th, 2008 — , financial advice, high yield savings, maximum contribution, saving, savings goal from Mike @ richerbytheday

One of the most repeated pieces of financial advice I hear is that you should always have a savings goal in mind. Setting a goal is supposed to focus your efforts and help to ensure success. Since I’m saving a significant percentage of my income, I wondered why I am able to have success despite [...]

Prepaying for Gasoline

November 14th, 2008 — , Consumer Protection, Investing, Let's Refuel America, gas prices, mygallons.com, saving from Mike @ richerbytheday

Paying $1.84 for gas today reminded me that I wanted to revisit my analysis of Chrysler’s Let’s Refuel America Program and MyGallons.com.
Back in May, I discussed why Chrysler’s program was such a bad deal. As a reminder, the program allowed participants to lock in the ultra low price of $2.99 per gallon for three years. [...]

Debt Warning Signs and How to Get Out

November 10th, 2008 — , Credit Cards, clue 2, credit counselors, creditors, debt, debt obligations, debt to income ratio, debts, decade, goal, health food, household debt, mid 90s, money, personal finance, personal income, priority, saving, savings account from Rich Leverage @ Rich Credit Debt Loan

Over the past decade, an insane amount of debt has been wracked up. Household debt has significantly eaten up a slice of personal income since around the mid 90s. Here are four clues that you are carrying too much debt:
Clue 1 - Your debt to income ratio is too high. Your debt to income ratio [...]

Saving Retirement Calculator

November 3rd, 2008 — , Retirement, badge, calculations, early retirement, retirement calculator, saving from Mike @ richerbytheday

I recently discussed how your savings rate can determine when you’ll be able to retire. To go along with the table in that post, I developed the Saving Retirement Calculator below. You can enter specifics for your situation to see when you might be able to retire. Once you have an answer, you can copy [...]

Do You Have to be Thrifty?

October 22nd, 2008 — , bandits, calculated risks, clipping coupons, economic crisis, economic uncertainty, economical choice, everyday life, first glance, foreclosure, fortunes, housing market, market downturn, mindset, money, perfect time, personal finance, real money, rental property, saving, schools of thought, smart decisions, thriftiness, upheaval from Rich Leverage @ Rich Credit Debt Loan

As the economy continues its upheaval, the word thrifty seems to be on many people’s minds. Is it absolutely necessary to be thrifty in times of economic uncertainty? There are many schools of thought on the subject, and while at first glance, it may seem like the only economical choice, there is another way to [...]

What Are You Teaching Your Children About Finances?

October 15th, 2008 — , Bugs, added benefit, adults, bonus, budget, checking, checking account, children, chores, earning money, education, entomology, girls, great time, jobs, lifetime, money, paper route, parents, persistence, personal finance, proper management, saving, working with kids from Rich Leverage @ Rich Credit Debt Loan

As parents, most people focus on the basic lessons of life, and may not be covering important financial lessons that could last a lifetime. Successful adults are usually those that were trained early on in proper management of their money, and developed an early respect for a dollar. If you have not yet implemented a [...]

Passion Saving Book Review

October 10th, 2008 — , Book Review, Giveaway, Passion Saving, Purcellville, Retirement, Review, Rob Bennett, The Freedom Store, book giveaway, books, early retirement, pay yourself first, saving, wealth from Mike @ richerbytheday

The latest book review here at Richer by the Day is Passion Saving by Rob Bennett.

Note to Readers: I was given a complimentary copy of the book by the author, but believe that my review was not influenced by the fact in any way.
Passion Saving is billed as an alternative to the way many of [...]

Learning Basic Money Management Skills

October 6th, 2008 — , Bad debt, Credit Cards, Economics, Money Management, benefit, budget, debt trap, finance, financial foundation, fly, how much money, insomnia, lack of knowledge, learning about money, personal finance, prevalence, saving, scales, vital lesson, vital tool, worries from Rich Leverage @ Rich Credit Debt Loan

Whether economics is your idea of a great way to fight insomnia, or you just didn’t get the benefit of learning about money management early on, it is never to late to learn the basic skills of proper money management. We highly recommend taking a brief course on finance if possible, but there are other [...]

Should Raising FDIC Insurance Limits Really Change Confidence?

October 1st, 2008 — , News, bailout, banking system, banks, consumer confidence, fdic insurance limits, saving, us senate vote from Mike @ richerbytheday

Following the House’s recent defeat of the bailout bill and heading into tonight’s US Senate vote, speculation has been building that FDIC insurance limits will be raised to $250,000 from $100,000. While I’m strongly in favor of such a measure, and it will certainly improve consumer confidence in the banking system, I have to ask [...]

Sunday Money Roundup - Stocks and Things

September 21st, 2008 — , Carnivals, Investing, buying used cars, cash money, company stock, economic crisis, frugal tips, good advice, home improvement loan, kitchen gadgets, leverage, life debt, loans, market tanks, money, money life, personal debt consolidation, personal finance, reading material, saving, school loan, smart life, smr, stocks, store brands, weekend reading, youtube video from Rich Leverage @ Rich Credit Debt Loan

Welcome to this week’s edition of the SMR. Browse by category for your weekend reading material. What other categories would you like to see here? Let me know - leave a comment!
College | Home:

Kirberts says you can be in the school you want with affordable [...]

Living with Only One Car

September 16th, 2008 — , career, saving, saving money on gas, second car, selling your car from Mike @ richerbytheday

My wife and I recently cut back to having only one car instead of the two we have traditionally owned. This isn’t the first time we’ve gotten by with just one car, but it is more difficult. The last time we lived downtown in a small city and could easily walk to shopping, restaurants, and [...]

Using the Right Bank for You

August 11th, 2008 — , Rant, banks, best customer service, credit unions, minimum balance requirements, mortgage, ridiculous fees, saving from Mike @ richerbytheday

We all have horror stories about how we were mistreated, overcharged, or otherwise screwed by a bank at some point in our lives. If we find this happening again and again, it’s quite possible that we’ve chosen the wrong bank. The choice of a bank is less about whether a bank is good [...]

Is There a Cure for the Economy? The Spending and Saving Catch-22

July 10th, 2008 — , consumer spending, economy, emergency fund, macro economics, personal finance, saving from Lazy Man @ Lazy Man and Money

If you read personal finance blogs or magazines you’ll find a lot of advice to save money, get out of debt, and build an emergency fund. This is all solid advice and things that I fully endorse on Lazy Man and Money. It makes too much sense to stretch your dollar further and to be prepared in the case of some kind of emergency or job-loss. Plus there as of 2002 Americans had $750.9 billion of debt spread across 84 million households.
If you watch CNBC or read the Wall Street Journal, you’ll get a different view of [...]

Save Even More with Vonage

July 8th, 2008 — , Vonage, phone service, referral link, saving from Mike @ richerbytheday

I’ve already covered how Vonage can save you money, but now I’m saving even more by paying for my service once a year. By paying for 12 months upfront, I get an extra 20% off! That means I’m getting all the phone service I need for 12 bucks a month. How can [...]

MyGallons.com and the Rising Gas Hype

July 1st, 2008 — , News, Review, gas prices, my gallons, mygallons.com, oil futures, saving from Mike @ richerbytheday

MyGallons.com is a new service that allows you to prepay for gasoline, “locking in today’s prices.” As more an more people come to the seemingly inevitable conclusion that gas prices can only continue to rise, it’s no surprise that a company came along to take advantage of this line of thinking. I seem [...]

Why Paying Cash for a New Car Costs More

July 1st, 2008 — , Investing, blue book value, car costs, car worth, lease vs buy, mileage allowance, new cars, opportunity cost, paying cash, saving from Mike @ richerbytheday

Being frugally minded and debt averse I’ve always been proud to say that I pay cash for my cars. One of the cars in our household was bought new and the other one was bought used. After calculating the costs of buying a previous car for an upcoming post on the Lending Club [...]

New GI Bill Offers Full Tuition for Active Service

June 30th, 2008 — , GI Bill, News, active duty, active service, career, education benefits, saving, secondary education from Mike @ richerbytheday

President Bush today signed into law an updated GI Bill that had broad bipartisan support. The new bill provides service members, who served in the military for at least three years, full tuition at any in-state public university along with a monthly housing stipend. The benefits (which are as high as $90,000) can also [...]

New GI Bill Offers Full Tuition for Active Service

June 30th, 2008 — , GI Bill, News, active duty, active service, career, education benefits, saving, secondary education from Mike @ richerbytheday

Beer Fridge Efficiency

June 30th, 2008 — , Ads, Review, beer fridge, better solution, electric bills, energy efficiency, energy star compliant, mini fridge, saving from Mike @ richerbytheday

Budweiser has been running an ad showing an old refrigerator being moved to the garage when the new one is purchased. It says that although it doesn’t have a water dispenser or an ice-maker, it has plenty of room for what’s really important, i.e. Cold Beer. While the ad is entertaining and does [...]

Google Gas - Mapping the Lowest Prices Near You

June 23rd, 2008 — , Review, budget, cheap gas, gas buddy, google gas, google map, lowest prices, saving from Mike @ richerbytheday

Finding cheap gas in your area is becoming increasingly important to everyone’s budget. In the past I’ve spoken highly of Gas Buddy which does just that. To make the search even easier, there is now a website that merges Gas Buddy data with a Google Map of your area. The combination of [...]

Segway Scooters - Green and Gas Free, But Still Costly

June 16th, 2008 — , News, forms of transportation, gas guzzler, rising gas prices, saving, saving money on gas, segway scooters from Mike @ richerbytheday

Rising gas prices causes people to try many alternative forms of transportation. One that has been getting a lot of coverage in the news is the Segway scooter. Getting about 25 miles to a charge means they are a viable alternative in some circumstances. Having ridden one myself, I can also [...]

Cost of Living - Sometimes Bigger is Better

June 13th, 2008 — , best of both worlds, cost of living, frugal living, reaction, real estate, saving, small town usa from Mike @ richerbytheday

Few things have as much impact over your personal finances as where you live. For most Americans, housing is their largest expense. Moving to an affordable market can do for your personal finances what years of frugal living in an expensive area cannot.
In her article To Cut Costs, Move to Small Town USA, [...]

The Lottery as Entertainment and Education, not Investment

June 11th, 2008 — , career, entertainment, risk reward, saving, self reflection, waste of money, winning the lottery from Mike @ richerbytheday

photo credit: lisatozzi
Ask nearly any personal financial adviser about the risks and rewards of playing the Lotto and they’ll tell you the same thing: It’s a waste of money. What is often lost in that advice is that there’s more to the Lottery than the potential for riches.
In a given year, I probably [...]

Motivation to Save - The Swear Jar

June 9th, 2008 — , Ads, Budweiser Swear Jar, Review, coin jar, homer simpson, reaction, saving from Mike @ richerbytheday

Most of the advertisements reviewed on Richer by the Day are directly related to personal finance. Budweiser’s Swear Jar ad inspires further discussion, though it doesn’t directly deal with personal finance. In the ad, office workers, who are required to place 25 cents in a jar each time they swear, beginning swearing a [...]

Live Search Cash Back - Saving Money with Microsoft

May 22nd, 2008 — , Cashback, Review, comparison shopping online, live search cash back, product search, saving, saving money from Mike @ richerbytheday

I’ve always been a big fan of Google, both as a search engine and as a company. They seem to be the best at just about everything they do. Their Froogle product search (now called Google Product Search) dominated when it was introduced, but Microsoft’s Live Search Cashback program may stiffen the competition. [...]

Wii Fit versus Gym Membership

May 21st, 2008 — , Review, gym membership, nintendo wii, saving, wii fit, wii fit msrp, yoga from Mike @ richerbytheday

The release of Wii Fit this week got me thinking about products and services that can meet our needs at a fraction of the cost of other alternatives. For those of you who haven’t heard of Wii Fit, it’s a peripheral for the Nintendo Wii that you stand on as you do exercises led [...]

Thirsty for Change

May 7th, 2008 — , News, Review, Thirsty for Change, bottled water, charity, cindy crawford, nalgene bottle, pur water filtration, safe drinking water, saving, sigg bottle, water bottle from Mike @ richerbytheday

Reducing the estimated 38 billion plastic water bottles discarded each year will obviously have a huge environmental impact. Those environmental benefits may be leading this effort to switch from bottled water to tap water, but the finances of making the change should also not be overlooked.
Cindy Crawford has joined the effort by teaming up [...]

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Chrysler Gas Card

May 6th, 2008 — , Ads, Consumer Protection, Credit and Debt, Let's Refuel America, Review, chrysler, economic stimulus package, fuel prices, gas price, rising gas prices, saving from Mike @ richerbytheday

Chrysler recently announced the Let’s Refuel America program which locks in gas prices at $2.99 per gallon. Here’s a clip from the press release followed by an analysis of whether the deal is worth it.
From the press release: “In response to direct customer feedback citing the prospect of rising gas prices as a top [...]

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Higher Stamp Prices Almost Here

May 6th, 2008 — , 42 cent, News, first class mail, forever stamps, postage rates, saving, stamp prices, usps from Mike @ richerbytheday

Postage rates will increase on Monday, May 12th. I previously covered why Forever Stamps are a Losing Investment. For the next few days, it does make sense to buy enough forever stamps to cover a few months worth of your postage needs. You can buy forever stamps at $0.41 each through Saturday, May 10th [...]

Right Portion, Right Price

May 2nd, 2008 — , Ads, Review, budgeting, leftovers, portion sizes, saving, t g i fridays from Mike @ richerbytheday

Portion sizes have gotten so out of control that you often get enough for a small family when you order an individual entree. Sure, you can take leftovers home to eat the next day, but I’d rather not have to pay so much to get more food than I really want. In [...]

Can You Ever Be Debt Free?

May 1st, 2008 — , Credit and Debt, debt free, debt free living, going off the grid, interest free loan, mortgage debt, saving, taxes from Mike @ richerbytheday

For a long time now, I’ve been free from all non-mortgage debt. As I quickly pay off my mortgage, I can already imagine the day when it too will be gone. While some people claim to be debt free in my current situation, nearly everyone would agree that I’ll be debt free once [...]

Avoid Wasting Food

April 29th, 2008 — , buying in bulk, cash in the trash, clipping coupons, expiration dates, perishable food, saving, shopping habits, spoil, wasting food from Mike @ richerbytheday

Clipping coupons, shopping sales, and buying in bulk are all ways to save on groceries. Those savings only really matter if the food you buy is actually eaten. Whether it expires, spoils, or simply isn’t something you’ll be able to incorporate into a recipe, wasted food is wasted money - cash in the [...]

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Cadillac Ad Offers the Worst Financial Advice

April 22nd, 2008 — , 2008 escalade, Ads, Review, captive audience, cool kids, financial advice, financial ruin, keeping up with the joneses, persuit, saving, temptation from Mike @ richerbytheday

There’s a Cadillac ad for the 2008 Escalade featuring Brian Bloom that gives terrible financial advice. The actor says that life is “high school with money” and that following what the cool kids are doing, including what they are driving, is still going on. The ad concludes with him saying that anyone who [...]

Total Cost Trumps Monthly Payment

April 10th, 2008 — , Credit and Debt, Frugal, Monthly Payment, Total Cost, budgeting, financial sense, financing, interest rate, new car, reaction, salesman, saving from Mike @ richerbytheday

All too often we look at things from their monthly cost instead of the larger, more important picture, of total cost. There were times when these were the same thing. Stores once offered payment plans on purchases that effectively amounted to the 0% interest offers of today, without the associated catches. Offers [...]

Recirculating the $2 Bill

April 9th, 2008 — , $2 Bill, banks, circulation, currency, life cycle, reaction, saving, two dollar bill from Mike @ richerbytheday

My post discussing whether the penny should be eliminated reminded me of the other redheaded stepchild of US currency: The $2 Bill. You may not realize that $2 bills are still in circulation, but I have a friend on a mission to change that perception.
Every time his supply of $2 bills is depleted he [...]

Being Frugal Means You Can Spend When You Want To

April 7th, 2008 — , Frugal, Spending, budgeting, discretionary purposes, indulgence, money, money habits, reward, saving, starbucks from Mike @ richerbytheday

Being frugal should not be confused with being unable to spend. In fact the opposite is true. Carefully monitoring your spending, following a disciplined budget, and saving in as many ways as possible allows you to spend more in the areas that are important to you.
Since budgeting reduces unnecessary and wasteful spending it [...]

Continue reading → Being Frugal Means You Can Spend When You Want To

Comparison Shopping is a Waste of Time and Money

April 4th, 2008 — , Comparison Shopping, Freaky Financial Fridays, Undervaluing, comparing prices, prices, saving, shopping websites, time and money, waste of money, waste of time, wasting gas from Mike @ richerbytheday

This post is part of my Freaky Financial Fridays series, where I argue a case from an opposing view, generally in contradiction to my own philosophy or conventional financial advice.
Comparison shopping sounds like a great idea. Research the best product or service to meet your need, exhaustively look for the best deal, and only [...]

Wealth Accelerators

April 2nd, 2008 — , Credit and Debt, Net Worth, PMI, budgeting, cash flow,

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