Gather Little by Little

Welcome to the Carnival of Debt Reduction #170. I am  Glblguy, author of Gather Little by Little and I’m very happy to be the host of this edition of the Carnival of Debt Reduction.

‘This particular edition received 37 submissions of which only 15 were included. There were lots of great articles submitted, but many of them weren’t on “getting out of debt, personal debt reduction progress reports and posts about reducing debt.” which is what the Carnival of Debt Reduction is all about!

Without further adieu…

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Thirteen days ago, the M-Network began our second year of doing the 12 Days of Christmas – Personal finance style. The final article was posting yesterday. The series this year was awesome and I personally feel it was even better than last years effort.

If you missed it, here’s a re-cap:

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• Day 1: The First Rule Of Personal Finance @ I’ve Paid For This Twice Already”¦
• Day 2: Two Financial Goals – Less Debt, More Income @ Cash Money Life
• Day 3: 3 New Year’s Worksheets @ Mrs. Micah

Nothing like a broken finger to make you appreciate our health care. I visited a hand surgeon earlier this week in Asheville, NC. The news thus far was good. He said it was a very bad break, but at this point didn’t look like it would need surgery. I have a follow-up appointment next week where he said we would know for sure.

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Like most everyone I love finding something I’ve been wanting or needing on sale or at a greatly reduced price. For this reason I visit Woot.com almost daily. I seldom buy anything though, as I work hard to avoid impulse buying. When they have something that’s on my list, I’ll buy in a heart beat. Woot is great, but they only offer one item per day. I wanted other options. I came across Dillyeo.com the other day. Yes, Dillyeo….as in “What’s the Dillyeo?”

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Our debt snowball melted. I’m not exactly sure when it happened, but I do know why. I guess it started melting around the the time we began looking for a new home and placing ours on the market. Our finances are in a bit of chaos right. A controlled chaos mind you, but chaos none the less.

What melted our debt snowball

A number of things have very quickly melted our debt snowball:

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• Our old home not selling. This caused us to take on not only two mortgage payments, but dual expenses as well.   Including 2 power bills and dual property taxes. Property taxes on our old home are due this month.

This is an article I wrote during the first few weeks of blogging here on Gather Little by Little. At the time I didn’t have many readers. This is actually one of my favorite articles and I thought I would “dust it off” and share it.

The dictionary defines “The Beginning” as to proceed to perform the first or earliest part of some action. Everything starts somewhere and begins with the first step. What is something related to your personal finances that you have been meaning to start but haven’t?

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As with most industries – change is going to come. Not all change is welcome however, especially when it comes to your finances, your personal protection, and your financial well-being. So when the credit card industry rolled out the following doozies, it should make you take pause and understand them before following the sheep into the pasture.

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I love learning new things. Our new home here in the mountains has given me an opportunity to learn all kinds of new things. Most of it so far as been around our house and the different “technologies” it uses compared to our old house:  For example:

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• We now have a heat pump where we had gas heat before. I knew very little about heat pumps before.
• Our new home has a septic system instead of city sewer. First time having a septic system, so been reading up. A bit gross, but necessary knowledge…otherwise you get gross problems!

This article is part of an M-Network group writing project, the 12 Days of Christmas – Personal Finance Style. Last year we started this little tradition and hope to continue it for many years to come.

4 ways to be better prepared for Christmas next year

I know, I know…Christmas 2008 isn’t even here yet and I’m already talking about next Christmas. For many, Christmas is a very expensive holiday and should be treated from a financial perspective just like a large purchase. Doing so means we need to plan and save for it. While planning for next Christmas might seem a little early, it’s not really. Allow me to share 4 ways that you can be better prepared for Christmas next year. I promise you’ll be far less stressed:

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Each week I give the readers of Gather Little by Little a chance to ask me anything. The only real rule is that I can decline to answer. I’ll do my best to answer as many questions as I can though. Have a question you would like answered? Just drop me a line or leave a comment!

Alisa writes and asks:

I wanted to know of additional ways to supplement my current income, which isn’t
very much. Thank you.

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