Home » Archives for Laurie » Page 27

Author: Laurie

Why You’ll Never Be Happy Keeping Up With the Joneses

7101747453_01da2a1bef_zMany of us have gotten the message, however there are still a large number of people and families chasing after the “privileged” life of the Joneses.  Having been a troll of the Joneses for many years, my family and I have finally learned the truth about the perceived happiness of the Joneses’ lifestyle, and friends, it’s all based on a web of lies.  We’d like to share with you today what we’ve learned about the lifestyle of the Joneses, and why we believe you’ll never be happy keeping up with the Joneses’ Read more

Two Steps to Get Out of Debt

clip0001Hey, Frugal Farmer friends!  I’m excited to share this article with you from fellow debt-hating colleague, Douglas Goldstein, whose new book will be released soon. 

By Douglas Goldstein, CFP®, co-author with Susan Polgar of Rich As A King: How the Wisdom of Chess Can Make You a Grandmaster of Investing

You can absolutely get of debt. However, you need to use the right strategies and tactics in order to crush that debt. Based on research from the world’s greatest strategists… chess grandmasters… you can get yourself on the right track fast. Here’s how to do it: Read more

Saturday Morning Ramble: Homesteading In Winter

DSCN2632Happy Saturday, my frugal homesteading friends!!!  The Farmer’s Almanac tells us we’re due for another Polar Vortex hell of a winter again, so here at the Frugal Farmer homestead, we’re busily planning what we can do this winter to stay warm and not go broke.  🙂

Winter in the country, at least here in the northern Midwest, is, well, cold.  Last winter, our first taste of the evil Polar Vortex, was, well, horrible.  We had weeks on end of subzero temperatures, and several days in a row where it wasn’t even safe for us to leave the house.  In the homesteading world, when you live in the country, things can get a bit tricky when it comes to handling weather extremes.  Read more

Smoky Chipotle Salsa

RSCN5691Hey, friends!  As we wade through what’s left of the produce to can and freeze, I thought I’d take a minute out and share with you the new Smoky Chipotle Salsa recipe we tried this year that has gotten rave reviews so far.  Last year when we did our first salsa canning, we used our Ball Complete Book of Home Preserving’s recipe for their Simple House Salsa.  We stayed on track with the recipe, except for that we added some jalpenos and habaneros, but we still found the salsa a bit mild for our tastes.  This year we decided to do a little modification and see if we couldn’t spice it up a bit, and it worked!  Here’s the recipe: Read more

How to Save Money

Strange Ways to Invest Your Money

How to Save Money

Investment strategies these days are quite risky to undertake especially that the erratic condition of the global economy creates an unstable market resulting to the skyrocketing of prices of all prime commodities. While mutual funds and stock exchange are not quite reliable, there are other ways to invest money that are uncommon to the majority of investors. Here are strange ways to make money out of your investments:

Renting a Cow

Renting a cow is basically investing your money on cows that will produce dairy products as well as meat products. The calculation of returns is at 5% per annum. Despite movement of the macroeconomic climate, you get the same percentage of ROI. This means that your investment earns in slightly small amounts but sure in returns.

Funding Treasure Hunts

Recovering treasures from sunken ships and exploring valuable resources from shipwrecks underwater are what funding treasure hunts is all about. If you are willing to invest your money on this kind of product, you will have to buy shares at a marine merchant that is a company that earns profit through salvaging goods from sunken ships and shipwrecks. Time is a consideration in this investment in order to double the amount of your shares.

Betting Against Congress

For individuals who are skeptical in their views about politicians, there’s the so-called CEFFX or Congressional Effect Fund, which is an investment platform that allows investors to put their money into interest-bearing domestic securities. The calculation of returns is dependent status of the congress whether it is in-session or out of session.

Collecting Wine

Collecting vintage wine is another bizarre method of investment. In here, you should be willing to invest your money antique wine purchase. A collection of vintage wine in the cellar can be a part of your personal assets. The older the wine gets, the higher its value. This goes to show that vintage wine appreciates over time where the price of each bottle can double in just a few weeks.

Collectible Coins

The principle behind investing in collectible coins is like that of buying vintage items in a pawnshop. You have to wait for a long period of time before your investment to double or triple in amount. The value of collectible coins is dependent on its metal content. Usually, the oldest coins obtain the highest metal value therefore these are the best coins to buy. It is recommended to take caution in this investment strategy because risks are involved when it comes to scrutinizing the authenticity of each coin.

Any of the investments obviously sounds odd but it is their peculiarity that makes them enticing to try. Before choosing your medium for investment, study the system first and think about its return of investment (ROI). An intelligent analysis will help you put your money in the right product. If you are considering an investment that will never fail despite the market crash, it is always safe to invest in gold. Its value increases over time and merchants are readily available to transform these into cash.

Read also:
http://www.consumer.ftc.gov/articles/0136-investing-collectible-coins
http://www.investopedia.com/financial-edge/0910/6-weird-ways-to-invest.aspx

Book Review: Achieving Debt Freedom

I didn’t think I could find two awesome books on Debt Payoff in one week, but alas, it has happened!!!!  Last week I reviewed our friend Shannon’s book, and this week I had the pleasure of reviewing yet another new, exciting and super helpful book on fighting your way out of debt: My friend Hayley over at Disease Called Debt has published Achieving Debt Freedom: Defeat and Embrace the Debt Rollercoaster – How to Recognize and Overcome the Emotions Linked to Paying Off Debt .

Having read pretty much every personal finance book on the face of the earth, I’d become quite bored with the many books out there that give the same ol’ , same ol’ advice about debt: figure out what you owe, budget, and use extra cash to pay off the debt: blah, blah, blah.  Don’t get me wrong: these books are amazingly helpful, but for people like me who’ve read them all and yet are still needing motivation to continue on the road to debt free, I needed something, well, different!  I found it last week in Shannon’s book, and now here it is again in Hayley’s book!

The two things that I really loved about Hayley’s book is that it worked hard to define well why we get in debt in the first place, and why we stay in debt!!  She also sprinkles her light-hearted, witty humorous style throughout, making the book a fun as well as an educational read.

Achieving Debt Freedom tackles the emotions behind our debt, and that’s a great thing because when we can learn to define and conquer our emotions regarding debt, then we can truly be successful at paying off our debt.  Money and debt may be emotional, but that doesn’t mean we need to let our emotions rule over us, and Achieving Debt Freedom shows us in clear and easy steps how to identify and overcome the emotions related to our accumulation of debt, and how to become debt free as well, all in simple, easy-to-follow steps.

If you are in debt, or if someone you love is in debt, Achieving Debt Freedom is the perfect gift to help them gain control over their finances again. I highly recommend it.

A Plutus Award, A Versatile Blogger Nomination and a Big, Hearty Thank You!

Plutus-logoThe-Versatile-Blogger-Award-300x200It’s been a crazy week/weekend here at The Frugal Farmer!! First, on Friday, my dear blogging friend Hayley over at Disease Called Debt nominated me for the Versatile Blogger award.  What a fun treat that was! The goal, it seems, of the Versatile Blogger Award is simply to spread the word and share some love about other bloggers that have impacted you.  As are the rules of the award, first, I’ll tell you 7 random facts about me, and then I’ll nominate my own 7 bloggers for the award.  Here are my 7 random facts:

1.  I was an incredibly shy, awkward kid.  A far cry from my current self, who probably cares far too little about what others think and am anything but shy.  🙂

2. I HATE mushrooms.  They’re evil, and I will never eat one again.  I think it’s the texture; that and the fact that really, people – they’re a FUNGUS!!  Eeewww!!  When I was young, my dad would routinely try and “hide” mushrooms in meals so that he could secretly get me to eat them.

3.  I’m this weird combo of drill sergeant/mushy wimpy mom with my kids.  On one hand, I shower them with lots of hugs/kisses/words of encouragement, often so much that I send them running.  But they are so awesome that I just can’t help myself!  Then there’s the drill sergeant side of me that let’s my kids get away with very little and pushes them to be and do their best always.   I’m sure they think I’m Jekyll/Hyde some days. 🙂

4. I couldn’t care less about fitting in.  Been there, done that, bought the t-shirt.  One of the great things about getting older is that it helps you to realize that it really doesn’t matter what others think, but instead, that you can truly live with yourself and look yourself in the mirror each day. For me, that has a lot to do with whether or not my actions would be acceptable to Jesus Christ, and it’s now the only gauge I use when it comes to fitting in.

5. I have a dry, sarcastic, silly sense of humor.  If you peeked through our windows, you’d often find me singing loudly or quoting movie lines that fit in with our conversations, and I’ve taught our children to do the same.  Sometimes this is witty and funny, other times it’s a bit awkward, but I’d rather laugh than be serious.  It’s more fun. 🙂

6. Even at 47 years of age, I wouldn’t hesitate to beat the crap out of someone who threatened my children’s safety.  The kids have now, after so many years, gotten over the embarrassment of me chewing some lady or guy out at Walmart because they drove too fast in the parking lot and put my kids in danger. 🙂   I am fiercely protective of them.

7.  I love you – I really love you!!!  My growing relationship with Jesus Christ has put an immense love in my heart for the human race.  Even if I don’t know you, I love you and pray for you often, that you would have a blessed and awesome life.  I have a serious empathy and compassion for the human race.

And my 7 nominees for the Versatile Blogger Award?  I”m picking some “newbies” because there are so many awesome newbies out there:

1. Deb and Al at Saving the Crumbs

2. Amy at Debtgal

3. Myles over at Myles Money

4. Taylor at Tipping Scales

5. My friend C over at Romania Experience

6. Steven from Even Steven Money

7. Raquel from over at Practical Cents

If you’ve already been nominated/completed your tasks for the Versatile Blogger Award, you can simply ignore my heartfelt nomination. 😉

Now, onto my other BIG news: Saturday night, as the fam and I sat around, eating our grilled sirloin steaks (farm-raised, grass-fed, for the low, low price of $3.50 a pound, I might add 🙂 ) and homemade chocolate mousse, I stopped in the office to check email and found that my Twitter account had been inundated with messages.

Turns out our little piggy here at The Frugal Farmer won the Plutus Award at FINCON for Best Green/Sustainability PF blog!!!!  I cannot tell you how happy that made me, and how blessed I was by not only the nominations and the win, but by all of the well-wishes from those keeping up with these types of things.  It truly made my entire weekend.  Thank you so much, to all of you for reading and supporting our efforts here.

Fall is on its way, officially as of tomorrow, which will be followed by winter.  So soak up some sun and play outside before the next Polar Vortex sets in!

 

 

Book Review: Train Your Way to Financial Fitness

train your way coverIt’s not been that long since Shannon from Financially Blonde came onto the personal finance blogging scene, but I knew right when I first visited her site that this gal knew her stuff.  Now, to go along with her great blog, she’s published a book.  Train Your Way to Financial Fitness is a new release by Shannon McLay, and I’m so honored that she’s asked me to review it and give my thoughts.

To be honest: I’ve kind of had my fill of personal finance books.  I’ve read just about all of them, and there seems to be a huge problem with many of them: they don’t discuss all financial types and they don’t give specific enough advice to help all financial types.  Train Your Way to Financial Fitness has solved both of those problems.

Since I count Shannon as a friend, I wanted to be objective when reviewing this book, so I decided to read it from the viewpoint that I was a “regular” customer, reading the book to fit our particular situation and seeing how it helped me.

When I first started reading, I found the book had an amazing combination of refreshingly honest and yet still positive and upbeat.  Shannon holds nothing back as she discusses the different types of financial fitness: she’s clear, precise and blatantly honest.  Shannon creates an atmosphere in the book of what she calls a “judgment-free zone”.  The book was written in a way where I felt I could be honest as I took the financial fitness quiz and not have to worry about being shamed or judged for poor financial choices.  It was awesome to be able to take the quiz freely, openly and honestly, knowing that, whatever the results, Shannon was here to help me overcome any financial obstacles.  I cannot tell you how freeing that was!  It allowed me to be truly honest with myself while taking the quiz.

After tallying up the score of the quiz, Shannon has outlined in the book very clearly what needs to be done in order to get a person financially fit.  It has real and doable action steps that will get you from either too skinny or too fat to financially healthy.  The book goes on in great detail about what obstacles may be in your way, shares real-life stories about anonymous clients Shannon has worked with that might have similar elements to your life, and gives solid advice about how to overcome the financial obstacles one might be facing.

But perhaps what I loved most about the book was the positive attitude Shannon had throughout.  Don’t get me wrong: there’s no rose-colored glasses going on here: instead, Shannon makes it clear that everybody can indeed find there way to financial fitness, no matter how out of shape their finances are, and she gives reasonable and doable tips and road maps for getting there.

It’s been a very long time since I’ve come across a personal finance book that I felt would benefit everyone, but Train Your Way to Financial Fitness fits the bill.  If you have money, want money or need money, this book is for you.