credit cards

Challenges to being frugal

July 29, 2008

Welcome to the readers of the 164th Carnival of Personal Finance, kindly hosted by Squakfox. If you’re new to Journeyer’s Chronicles, I’d like to extend an extra big welcome. I hope you enjoy your visit. You can find more of our personal finance experiences here. And don’t forget, if you enjoy your visit you can […]

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Dipping into the Emergency Fund

July 7, 2008

We have been working hard to over the last few months. We’ve been quite successful, although it is hard to change long term habits. We’re paying down the credit cards. We have our emergency fund ready should an emergency occur. It seems though, that Mr Murphy is not all that keen on us sticking to […]

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Wants vs Needs

May 28, 2008

Image via Wikipedia For a lot of people “need” and “want” have come to mean the same thing. All to often we are being programmed from an early age to believe that wants are needs. Rather than being guided by our heads when it comes to purchases, we are guided by our hearts. We need […]

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Getting off the consumerism bandwagon

May 13, 2008

When did everyone become so entrapped by consumerism? When did “wants” like the latest mobile phone, massive houses, new clothes every season, big, new cars and expensive birthday parties become needs, on a par with food, shelter and adequate medical care? Our family hasn’t been immuned to this epidemic. We’ve jumped on the bandwagon ourselves. […]

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How we’re reducing our credit card debt

April 22, 2008

Like thousands of other families, we are trying to reduce our credit card debt. In An introduction to credit card woes I mentioned that we have tried this before, but this time I feel like we’re actually going to do it. Here’s why. The first thing we did was sit down together and decide that […]

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An introduction to credit card woes

April 15, 2008

Back in the good old days when interest rates were going down instead of up, we made the decision to switch to a home equity loan. You know the ones where your salary goes straight into the loan account and sits there earning interest? You use your credit card for all your bills, then pay […]

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