Archive for September, 2008

I Am NCN, Lord Of The Idiots

Hello, I’m NCN and I’m supposed to know better.

I’m always suggesting that readers contact businesses with which they do business and ask for discounts.  Once a quarter, I’ll call my cell phone provider, just to check if there are any discounts or promotions.

Well, guess who JUST noticed that he’s been paying $20 a month, for five months, for unlimited text messaging – for a phone from which he never sends text messages?!?

Yes, I am NCN, Lord Of The Idiots.

I don’t know how it happened.  I guess, when I logged into my account and was picking and choosing the features I wanted, I inadvertently checked a box that I meant to leave unchecked.  Or, I unchecked a box that should have been checked.  I don’t really know.

I called my cell phone provider, and they agreed to give me a $40 credit towards next month’s bill.  They really didn’t have to do even that, considering it was my own silly mistake.

So, for all of you out there who read personal finance blogs and wonder – Are these folks for real?  Do they make mistakes, forget things, spend to much, and goof up?  Well, in my case at least, the answer is YES, YES, YES, YES, and YES!

Bow before my stupidity and bask in the glow of my ineptitude.  Rock on.

Side Note – I did manage to reduce my satellite bill by $6 a month.  It’s not much, but I feel a little better.

Worried That You Might Lose Your Savings Deposits?

The FDIC has a new website – MyFDICInsurance.Gov – where you can check to see if your savings and checking deposits are fully insured.  They also have some public service ads – starring Suze Orman and FDIC chairman, Shelia Bair, explaining FDIC insurance and how the new site works.  Or, you can just skip the landing page and visit the main site, where you can enter the names of the financial institutions with which you do business, a few details about your current balances, and the types of accounts you have.  The site will tell you what types of accounts are insured, and how much of your money is covered.

How I Get Back On Track After A Busy Month

Did you ever have one of those months?  Yes?  Well, I’ve just had one.  The only way to describe how busy I’ve been is to say this -

I have stopped trying to take a day off.  Nope.  Now, I simply try to find the time to eat lunch – seated – at a real table, instead of eating while riding in my car.

Even the most-organized person in the world, when overwhelmed with work, will tend to put financial matters on the back-burner.  Well, I’m NOT the most-organized person.  I’m a slightly-above-average-organized person, and over the past few weeks, I’ve really struggled to stay on top of things.

Hopefully, life is beginning to slow down a bit, and I’m ready to focus, once again, on my personal finances.

  1. I need to balance my checkbook.
  2. I need to login to all of my online checking and savings accounts, verify balances, and confirm transfers.
  3. I need to go through the stack of papers on my counter-top and organize my bills, using the bills-in-a-box system.  (Hopefully, I’ll have time in the next few days to produce and post the oft-promised bills-in-a-box video.)

Once I do these things, I’ll FEEL better.  Right now, I just don’t feel ‘locked in’.

I want to thank those of you who have faithfully visited the site.  You guys rock!

Your emails and comments have kept me motivated – and they’ve made me miss – really miss – blogging.

Expect regular posting to resume – as of now!!!

Do You Really Care What Other People Think?

Today, I was hauling off some trash in my old pickup truck.  The radio in the truck barely works and will only receive AM stations.  As I was bumping down the dirt road, headed to the landfill, I hit the seek button, and the radio stopped on a talk show, hosted by some dude I’ve never before heard.

He said, and I quote – The reason most folks overspend is that they care too much what other people think.  They’re trying to keep up with the Joneses, so they spend and spend.

The station faded before I could find out more about the dude or his radio program, but his statement got me to thinking.

Do I really care what other people think, about the things I own or the car I drive or the clothes I wear?

It’s an interesting question.

On the one hand, I’d like to think that I’m secure enough, happy enough, and strong enough, and that I don’t need the approval of other people, especially when it comes to ’stuff’.  But, at the same time, I do conform to certain social norms, and I do so, quite honestly, so that I’ll fit in and be accepted.  Does this conformity reach past social behaviors and into my wallet?  Do I buy things so that I, or my children, or my spouse, will fit in and be considered normal?

I really don’t know how this post should end… So I guess I’ll just open the floor for discussion.

Do you really care about what other people think, when it comes to the stuff you buy?  If so, why?  And, if not, what do you mean by “No, I don’t care.”?

By the way – I realize that there is a certain segment of the population that doesn’t “care” what anyone thinks about anything.  That’s not, really, what I”m writing about.  I’m thinking more along the lines of – Do the opinions of others, people you love and respect, alter or change your spending habits?

(If my posts seem a bit more abstruse this week, I’m sick and I’ve stopped counting the cough syrup doses, as evidenced by my use of the word abstruse – and, what I fear is, an extreme over usage of commas)

How Much Do You Pay For Television?

Back in January, I purchased a new high definition television.  In order to get high definition channels, I signed up with Dish Network.  Our monthly bill is $92.73.  We live in a very rural area, and there aren’t any stations available via over-the-air antenna.  We also live in area where cable is not available.  So, if we want high definition content, we are pretty much stuck with choosing one of the satellite providers.

How much do you pay for television?  Do you watch television?  What about some of the online options like Hulu or Miro?

When we were getting out of debt, we radically reduced our bills and we only had the most basic satellite package.  But, over the past couple of years, we’ve upgraded our package.  The high definition content looks stunning – but I’m not sure it’s worth what we are paying.

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