May Personal finance books giveaway
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April 2012 Cash Flow

05.04.2012
april 2012 cash flow saving

Oh no! We are in the negative territory for the first time in 2012. Our income is lower than usual and that was enough to turn April negative. Income April March Mrs. RB40′s paycheck 2694 2693 rental income 580 559 side income 100 185 dividend, interest 194 588 p2p 20 20 misc 50 74 Total income 3638 4120 Expense Housing -2097 -877 cash allowance -820 -697 transportation -112 -73 pet -69 0 baby* -19 -177 bills -309 -282 medical -241 35 entertainment 0 0 misc 0 -25 Total expense -3667 -2096 Saving  -29 2025 2012 surplus 4,287 *There is a [...]

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Microwave DIY Adventure

05.02.2012
broken microwave handle

I’m not really a DIY kind of guy. My excuse is that I’m busy and I should concentrate on what I do professionally and let the repair people do their thing. However, now that I’m preparing to go it alone and leave my day gig, I will have to pick up some DIY skills. There is so much information on the internet these days and you can find a ton of DIY instructions online. Today, I bring you another tale from my DIY adventure. About 10 days ago, Mrs. RB40 broke the microwave handle as she was opening the door. [...]

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Don’t Pay for Depreciation

04.30.2012
avoid depreciation car

Per dictionary.com, depreciation is the decrease in value to due wear and tear, decay, decline in price, etc. Well, according to this definition, we can’t avoid depreciation. When we buy something new, the price will start to decline soon after due to wear and tear. Even if we buy used items, we will use those things up until they are broken or worn out. So how can we avoid depreciation? It is difficult to avoid depreciation completely, so what we can do instead is to avoid the largest part of depreciation by buying used. The easiest example of this is [...]

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The Importance of Business Efficiency

04.29.2012

The following is a guest post.  In tough economic times like these, businesses are particularly aware of their outgoings and how they match up to levels of productivity. Getting the most out of the tools at your disposal is essential to succeeding as a business and that is why so many businesses devote so much time to optimizing performance and efficiency, both in and out of the office. For companies struggling to reach satisfactory levels of efficiency, follow these tips for success. Connectivity and Efficiency One of the most effective ways of ensuring that you can get the most out of your [...]

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What’s Your Ultimate Goal?

04.27.2012
ultimate long term goal

Do you have an ultimate goal?  If you can do anything at all, what would it be? Is it your current job? Many of us are so busy with day to day life that we don’t have time to think about what we really want for our future. When you don’t have a long term goal, your objective is only to get through the day/week/month. Years will have flown by and you will still be doing the same thing with no direction. You need to visualize your ultimate goal and make your way there. Are you currently doing what you [...]

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