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Watering my Lawn had MULTIPLIED my Total Water Usage!
Wed, 05/8/13 | 12 Comments
Watering my Lawn had MULTIPLIED my Total Water Usage!

This is a long lost post from the 20somethingfinance archives. I wrote it a few years ago, and for whatever reason, it was lost and never published. The dates are old, but the lesson learned …

The 4 Reactions to Frugality & Why Spending Can Only Take you so Far
Wed, 04/24/13 | 19 Comments
The 4 Reactions to Frugality & Why Spending Can Only Take you so Far

There are four common reactions that I get when I preach frugality and the benefits harvested from a frugal lifestyle.
The first is excitement. Those who have been bitten by the frugality bug have an incredible …

Only You Can Prevent Tax Refund Windfall Syndrome
Mon, 04/15/13 | 11 Comments
Only You Can Prevent Tax Refund Windfall Syndrome

As the April tax deadline approached, I picked up on a re-birth of a certain sentiment that goes a little something like this “I can’t wait to get that refund so I can spend it …

Should Payday Loans be Banned?
Mon, 03/18/13 | 26 Comments
Should Payday Loans be Banned?

Nothing good can come from a payday loan.
According to new research from Pew, the average payday loan borrower must pay back $400 within two weeks, but can only afford a $50 payment. What comes next? …

Monthly Budget: Here’s Mine & the U.S. Average. What is Yours?
Wed, 03/13/13 | 43 Comments
Monthly Budget: Here’s Mine & the U.S. Average. What is Yours?

One of the most enlightening and beneficial personal finance exercises one can complete is to calculate your average monthly budget.
I say “monthly budget”, but for the purposes of this post, monthly budget is synonymous with …

2013 Tax Brackets & Standard Deductions
Tue, 03/5/13 | 6 Comments
2013 Tax Brackets & Standard Deductions

Update: the 2014, 2015, and 2016 tax brackets and standard deductions have since been announced. What follows is relevant to the 2013 calendar year. 
There seems to be a good amount of confusion around what the …


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