Specialized emergency funds


I’ve been talking about the benefits of having an emergency fund for a while now. As a matter of fact, my 7th article here on Gather Little by Little introduced the concept as step 5 of my Getting Your Finances Under Control series.

When I first heard Dave Ramsey talk about the concept it was in the context of a $1,000 emergency fund as baby step #1 in getting out of debt. I’ve maintained at least a $1,000 emergency fund since I first started the process of getting control of my finances.

How much do your kids know about money?


I know that many of us are still recovering from the long weekend, so my post is on the lighter side today. I spent a lot of time outside over the past few days, believe it or not, my day job required me to work Friday night, all day on Saturday, all day on Sunday and most of the day on Monday . . . Fortunately, my services on Monday were not needed at the last minute, so I was able to enjoy some time with my family yesterday.

Memorial Day Holiday


I’m taking the day off today to enjoy some time with my family and get some more work done on our yard projects. I hope you are able to get away from work a little and spend some time relaxing or doing something you love to do.

While it is a holiday, don’t forget the reason. Do not forget the service men and women who died while in military service. They died fighting for us and to protect our freedom. If you’ve lost a friend or loved one that served, there are no words that I can share to make you pain go away nor are their words that would even come close to expressing how grateful I am them. What I can say is thank you. I can also promise that I will never forget.

Sunday gathering – Busy, busy

As I’m sure you might have noticed, life here in “Gibble” land has been real busy for the past few weeks. Frankly for he past few months. I love being busy, as I’m not one to enjoy sitting still much, but a little less busy might be a good thing right now!

Let me just share a few updates on things I’ve been doing/working on. I know many of you enjoy hearing updates on the more personal aspects of my life. I can’t for the life of me figure out why though! Anyway, here you go:

Creek side patio


How to Build a Compost Bin


Building a compost bin is something I’ve had on my list of things to do to ever since we moved here to the mountains. Compost is a great soil amendment for vegetable and flower gardens. Mature compost is the result of the natural breakdown of organic waste. Composting is the ultimate in recycling and considering organic waste makes up for more than 24% of municipal waste, composting is a great way to help the environment and save money.

Worst financial mistake?


I often read The Wallet at the Wall Street Journal. A recent article asked the question, What was your biggest financial blunder? I started to think through that question and I could not come up with the answer right away. But I thought through several possibilities:

Purchasing our house

My housing struggles are well-documented on this blog, but I don’t think that was our biggest financial blunder. We purchased the house for a competitive price, we spent some money fixing it up and if we still lived in it, I don’t think we would be having any problems keeping up with the mortgage. A bigger financial blunder might have been when we moved three states away . . .

The skinny on credit cards book review

the-skinny-on-credit-cardsOne of the perks of being a personal finance blogger is that I get to receive copies of personal finance books to read and review. I seldom ever receive a book I don’t like, and every so often I receive a book that literally “wows” me. The Skinny on Credit Cards is just one of those books.

The skinny on credit cards

If you haven’t heard of the “skinny on series” (which I hadn’t), is a unique series of books that is inspired by the Manga literary phenomenon which combines the use of simple pictures and a story to convey a message. Trust me, they are like no other book you’ve ever read and I mean that in a good way.

More thoughts on short sale, foreclosure and bankruptcy


Last week, I posted about our housing situation and a large number of you took the time to respond with your thoughts and advice. I enjoyed reading through the thread and many of your comments challenged my thinking.

Best savings rate using Moneyaisle.com

Click Here For Great Savings Rates at MoneyAisle

When saving our money, we all want to get the best savings rate possible. In the past in order to do that I’ve either used bankrate.com or manually visited the the various online savings banks to see what their current rates are. That is until I learned about MoneyAisle.com.

Remember LendingTree.com? LendingTree allows you to provide information about the mortgage loan you’re interested in getting, and then banks bid to provide you with the most competitive rate. MoneyAisle is LendingTree for savings accounts. MoneyAisle allows you to specify the amount of money you wish to save, either as a standard savings account or CD, and banks will “bid” for the best rate. If you’re only saving a few hundred dollars or maybe even a couple thousand, you may not care about a slight interest rate variance. For larger savings though, you definitely should.

Sunday Gathering – Update on our rental house


Those of you who have been following me here on Gather Little by Little will recall that last year we decided to move up to the NC mountains. We put our home in Charlotte, NC up for sale and began house hunting in and around Waynesville, NC. Within a few weekends we found the perfect home, made an offer and inked a deal for purchasing it. Only one problem: our house in Charlotte never sold. We finally decidedĀ  to rent it using the services of a property management company.

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