buying a used car

Should I buy a brand-new car or a new-used car?

According to Carfax and similar sources, a brand new car is bound to depreciate 15-20% in the first year of ownership after being driven out of the lot. Twenty percent!

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Vacation on a very small budget

  As a teacher and father of four kids, summer vacations is something that we plan for with a lot of anticipation and look forward to. From the beginning of our marriage, traveling was a necessity because my family didn’t live in the U.S. We took a few trips down to my native country in […]

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Engine light fix for under $10

Nothing worse than being in your car, listening to some old classic rock, thinking about how great you are doing with your freshly reviewed budget; having some flashbacks of that cheap but delicious beer or wine you drank the night before in honor of your great plan to FIRE and there comes up that damn […]

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Should teachers invest in 403B plans? Maybe…

If you are a teacher or have a teacher in your family you may know that in most cases these folks with nerves of steel have very few options to make their working time worth more; in other words, it’s not easy to get raises. The only raises teachers get are either based on years of service or additional credit hours of professional development.

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Used Items Depreciation

Thanksgiving is just hours away and you really have to hold on tight so you don’t end up giving in to all the holiday sales. Time to tame your emotions! If you have made it this far you may be able to resist the infamous “Black Friday.” Hey, I am not opposed to a good […]

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Side business and extra cash

When thinking about retirement one of the key points is finding a way to increase your savings. You can achieve that in two ways. You can increase your earnings and lower your expenses. Sometimes increasing earnings is difficult to do right away and requires casting hooks for a new job; or as it is in […]

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Stop paying for commercials on TV!!!

Advertising on TV is crazy expensive, which makes it a very exclusive marketing tool for businesses to reach their audience. When companies advertise on TV they do it as premeditated damage control. They incur in a huge expense with the purpose of selling more products or services they manufacture or provide. Regardless, all that money […]

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