Christmas Greetings

Card

See you on Wednesday the 26th!

This is a guest post from Randall at CreditWithdrawal.com. CreditWithdrawal is a blog about helping others get out of credit dependency and into financial freedom.

While researching another article, I came across a rather heated discussion about where the line is drawn when being frugal. Too little, and you’re not saving money, too much and you’re a Miser.

At that point, an idea popped into my head. “Is anyone really a Miser anymore??”

mi·ser /’ma?z?r/ [mahy-zer] –noun

1.a person who lives in wretched circumstances in order to save and hoard money.

2.a stingy, avaricious person.

Sunday Lyrics – Breath of Heaven

Nativity
Photo by: cmatulewicz

My favorite Christmas song of all time is Breath of Heaven by Amy Grant from her CD Home for Christmas. The music and lyrics truly make you feel the emotions felt by Mary as she walked the path towards the birth of our savior Jesus Christ. You’ll find the powerful lyrics below and here’s a link a short YouTube video featuring the song.

I have traveled many moonless nights,
Cold and weary with a babe inside,
And I wonder what I’ve done.
Holy father you have come,
And chosen me now to carry your son.

The Friday Gathering for 12/21/2007

Stockings
Photo by: My Wife

I am really enjoying my vacation from my “real job”. I’m getting some time with my family and my kids and gaining additional appreciation for what my wife does and deals with while I’m at work. The real fun starts today at 3:00 when the kids come home and start their Christmas vacation.

I’ve also had some time knocking out a few items on the ever growing to-do list for Gather Little by Little. Some various changes I’ve made in the past few days you may notice are:

My RSS Subscriber flatline explained

Heart Monitor
Photo by: brykmantra

Ever since I rolled out my new theme, I’ve noticed that my RSS subscriber count seemed to flatline. I’ve been wracking my brain for weeks trying to figure out why, explaining it away to the holidays, normal feedburner fluctuations, etc.

I finally decided to ask my M-Network buddies for their help and plonkee found the problem immediately. Seems my fancy new RSS graphic wasn’t working in Internet Explorer 6 and readers couldn’t subscribe! That would explain it huh? I knew from one of readers (Rob) that the subscription count wasn’t displaying correctly in IE6, but had no idea clicking on the RSS graphic did nothing. I’ve changed the RSS graphic to a more standard format until I can figure out why IE6 doesn’t like my more fancy version.

10 Creative ways to cut-up your credit card

12 Days of Christmas
Photo by: Fauxen

This article is part of a group writing project started by Lynnae at Being Frugal. 11 different personal finance blogs are participating in the effort and are writing a series called The Twelve Days of Christmas – Personal Finance style. You’ll find links to all of the other articles towards the bottom of this article.

On the 10th day of Christmas (PF style) my true love gave to me…

Christmas Dilemma: One expensive gift or multiple inexpensive gifts

Christmas Dilemma
Photo by: pmarkham

I went Christmas shopping yesterday for my wife. I had a list of items she had pointed out to me over the past few months or so that I had written down along with a few ideas of my own. She loves photography and I wanted to get her something for her camera. A year or so ago, I gave her a 70-300mm Canon image stabilizing lens. For those of you not into photography, its a really nice telephoto lens. The lens really upped the anti on the quality of her pictures. But being a telephoto lens, it only made a difference when she was taking pictures of something relatively far away. Canon now makes a 28mm-135mm image stabilizing lens that I wanted to get for her. This would give her high quality lenses for the full focal range.

Manage your finances together

Couple together at sunset
Photo by: Björn Söderqvist

Mrs. Micah started a collective post that asked readers to share their best personal finance practices of the year. Here’s mine and it applies to those of you that are married:

Do your finances together!

Money problems and disagreements are the number one cause of marital strife and divorce in the US. The key to avoiding these problems is communication. I’ve discussed this topic before in these articles: How to get my wife or husband to follow a budget, In Financial Chaos? Pass the test, and 1 year ago today – 10 things we’ve done to regain financial control.

How Many ING Direct Accounts do you have?

Squirrel being very curious
Photo by j / f / photos

A reader named bmhumphries made the an interesting comment and asked a great question recently on my How to make paying your year end property taxes painless:

I have a question for you and your readers. How many separate accounts do you have in you on-line banks? I had to call ING recently and asked the customer service if I had too many. (I have 8). He said the most he has seen is 30!). It makes sense though to have a separate one for each non-monthly expense. I have one lumped into “Future Liabilities” and keep a spreadsheet. That has 9 annual expenses in the one ING sub account. I have often wondered if I should split them out into their own sub account in ING. It would make it easier to track, no spreadsheet work to do.

Money Saving Monday Tip#20 – Keep the change

Save your pennies
Photo by: r-z

This article is part of an ongoing series where I write about Money Saving tips and strategies each Monday. You can see the rest of the series articles here.

Generally, keeping the change involves telling someone you are giving money too to not bother giving you your change back. Unless you’re leaving a tip, I can’t imagine why anyone would do this. I am going to flip the concept of “keep the change” around with this money saving Monday tip and suggest that you always get your change back and keep the change!

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