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The Happy Rock

The Happy Rock
Change Your Self, Change Your Wealth - A personal finance and development blog dedicated to personal and financial growth.
Articles: 1, 2, 3, 4, 5, 6

Articles

Simple Tip For Spending Less - Think About Pre-Tax Dollars
2007-09-13 05:17:00
A simple tip that I came across while reading The Quiet Millionaire is to frame your spending in pre-tax dollars rather than after tax dollars. Assuming a 33% tax bracket(actual tax rate of about 25%), you need to earn $1.33 for every dollar you spend. So that $1.00 you spent in the vending ...
More About: Spending , Simple , Frugality , Dollars , Doll
A Closer Look At Debt Consolidation
2007-09-12 17:03:00
This is a guest from George Powell, editor of the independent financial portal Financial Web(other links in post). With so many individuals and families mired in debt (and sinking ever deeper as the days pass), it’s easy to see how the rapidly expanding debt consolidation market has grown into a multi-million dollar industry. The ...
More About: Debt Consolidation , Debt , Closer , Dati , Soli
A Closer Look At Debt Consolidation
2007-09-12 17:03:00
This is a guest from George Powell, editor of the independent financial portal Financial Web(other links in post). With so many individuals and families mired in debt (and sinking ever deeper as the days pass), it’s easy to see how the rapidly expanding debt consolidation market has grown into a multi-million dollar industry. The ...
More About: Debt Consolidation , Debt , Closer , Dati , Soli
The 104th Carnival of Debt Reduction - Digging Out Edition
2007-09-10 15:04:00
The 104th Carnival of Debt Reduction - Digging Out Edition Getting out of debt requires intense personal action on our part. Sometimes we like to try and dig our way out of debt by using a small shovel, but the best results will come when we make drastic life changing actions. Instead of a ...
The 104th Carnival of Debt Reduction - Digging Out Edition
2007-09-10 15:04:00
The 104th Carnival of Debt Reduction - Digging Out Edition Getting out of debt requires intense personal action on our part. Sometimes we like to try and dig our way out of debt by using a small shovel, but the best results will come when we make drastic life changing actions. Instead of a ...
Hosting the 104th Carnival of Debt Reduction on Monday
2007-09-08 07:33:00
A blog carnival is a periodic round up of blogger?s recent best posts related to a specific topic. The 104th Carnival of Debt Reduction(CoDR) will be hosted here on Monday . The carnival will be an excellent source of information on getting out of debt. Submissions are due by Sunday at 5pm eastern time and should be ...
More About: Hosting , Onda
Hosting the 104th Carnival of Debt Reduction on Monday
2007-09-08 07:33:00
A blog carnival is a periodic round up of blogger’s recent best posts related to a specific topic. The 104th Carnival of Debt Reduction(CoDR) will be hosted here on Monday . The carnival will be an excellent source of information on getting out of debt. Submissions are due by Sunday at 5pm eastern time and should be ...
More About: Hosting , Onda
Marriage and Money - The Budget Meeting
2007-09-06 18:10:00
What often happens in marriages with combined finances is that one person will assume control the finances. They pay the bills, watch the accounts, and retain all of the money know how. In our family that is me. Being the analytical numbers guy, I willingly take on that task. On of ...
More About: Marriage , Communication , Money , Financial , Productivity
Marriage and Money - The Budget Meeting
2007-09-06 18:10:00
What often happens in marriages with combined finances is that one person will assume control the finances. They pay the bills, watch the accounts, and retain all of the money know how. In our family that is me. Being the analytical numbers guy, I willingly take on that task. On of ...
More About: Marriage , Communication , Money , Financial , Productivity
Cheaper Than Cheap Tip Of The Week #3 : Separate Your Two Ply Toilet Paper
2007-09-04 15:42:00
???Cheap er Than Cheap??? is a recurring tip series about frugality. The idea is to provide helpful frugality tips that border on fanatical to the point of being humorous. Love them or hate them, let???s hear what you think. Tip #2 was on saving gas by Hypermiling. Cheaper Than Cheap Tip Of The Week #3 : ...
More About: Toilet Paper , Toilet , Paper
Cheaper Than Cheap Tip Of The Week #3 : Separate Your Two Ply Toilet Paper
2007-09-04 15:42:00
?Cheap er Than Cheap? is a recurring tip series about frugality. The idea is to provide helpful frugality tips that border on fanatical to the point of being humorous. Love them or hate them, let?s hear what you think. Tip #2 was on saving gas by Hypermiling. Cheaper Than Cheap Tip Of The Week #3 : ...
More About: Toilet Paper , Toilet , Paper
4 Ways Win By Quitting
2007-08-31 06:51:00
Sometimes we get to the end of our rope and realize that what we are currently doing isn’t working. Take heart, despite how we may feel at the time, it might be the best thing that ever happened to us. So many successful people have the rock bottom story that changed their lives. ...
More About: Accountability , Quitting
4 Ways Win By Quitting
2007-08-31 06:51:00
Sometimes we get to the end of our rope and realize that what we are currently doing isn’t working. Take heart, despite how we may feel at the time, it might be the best thing that ever happened to us. So many successful people have the rock bottom story that changed their lives. ...
More About: Accountability , Quitting
Gender Affects Salaries, But Maybe Not How You Think
2007-08-29 16:54:00
Women working full time earn about 77 percent of the salaries of men working full time”. That number is a little misleading, as it doesn’t take into account education and employee status, but the difference is still 11% when equal employees are studied across genders. We all know the gender differences in salary still exists ...
More About: Gender , Salary
Gender Affects Salaries, But Maybe Not How You Think
2007-08-29 16:54:00
Women working full time earn about 77 percent of the salaries of men working full time”. That number is a little misleading, as it doesn’t take into account education and employee status, but the difference is still 11% when equal employees are studied across genders. We all know the gender differences in salary still exists ...
More About: Gender , Salary
Tricks The Banks Play To Make You Pay
2007-08-27 17:20:00
This is a guest post form Linda Bustos. Linda is an editor for CreditorWeb, where you can learn about credit cards, compare offers, and apply for a business credit card online. We all know that banks are not on our side. They offer us products and services to make our lives more convenient and pull ...
More About: Credit Cards , Banks , Play , Tricks , Make
88th Festival of Frugality - About Me Edition
2007-08-21 14:49:00
Welcome to the 88th Festival of Frugality ! The Festival of Frugality is a blog carnival, which is a periodic round up of blogger’s best posts related to a specific topic hosted by various blogs. Below are the 5 articles that I enjoyed the most, followed by the rest of the 35 entries that were accepted ...
More About: Edition , Ality
Festival Hosting and Helping Redesign The Happy Rock
2007-08-20 07:29:00
I will not be posting an article Monday, because on Tuesday morning I will be hosting my first blog carnival. The 88th Festival of Frugality will be jam packed with some great frugal advice. Second, for a while now I have been working on a redesign of the site. I hoped to release it ...
More About: Hosting , Misc , Rock , Happy
Contest Winner : Quicken Deluxe 2007
2007-08-17 02:13:00
Remember the second round of contests I posted last week in the learning from others post. Well, yours truly, won a copy of Quicken Deluxe 2007. Shelley Elmblad @ The Personal Budgeting section of Suite 101 sent me the good news yesterday. I quickly responded with my address, and the software will ...
More About: Contest , Winner , Finance Software
My Sitemeter and pMetrics Addiction And Other Things We Do Too Much
2007-08-15 18:37:00
Hi, my name is Frank and I have a problem! I am addicted to Sitemeter and any other web site tracking package. My new love is pMetrics. The statistics are tailored for blogs and it lets you easily track your visitor’s movement within your site. It combines my favorite reports from other sites into one ...
More About: Addiction , Productivity , Bloggers , Accountability , Stats
5 Key Strategies For Getting Out Of Debt
2007-08-13 05:57:00
Being debt free has been more amazing than I thought, and I want others to be able to share in a similar joy. For those who are trying to get out of debt or entertaining the thought, here is some ammunition. As my wife and I and slowly hacked our way out of $70,000 ...
More About: Motivation , Strategies , Debt , Rate
Learning From Others : Finance Community Round Up
2007-08-11 07:54:00
There was some great stuff out there this week. Here are my favorites : Saving Advice offers a beautifully pictographed list of 25 personal money confessions. Blueprint For Financial Prosperity gives as a quick description of 10 top personal finance books. The description on Your Money Your Life makes me want to read it even ...
More About: Finance , Community , Links , Round Up , Learning
Recovering From The Microsoft Money Server Upgrade
2007-08-10 20:21:00
I cleared a hurdle I had been putting off for about three weeks now; I spent about two hours tonight bringing my Microsoft Money records back up to date. It was two hours I didn’t have, but two hours that were sorely needed. In mid July Microsoft decided that their Money ...
More About: Financial , Productivity , Server
Principles In Action #1 : Treat Others Like They Have Value
2007-08-09 05:16:00
This is the first in a recurring series of posts called ?Principles in Action ?. The idea is to show positive life principles at work in my life and in the lives of others. The story will illuminate a practical application of a positive life principle and the effect of that principle in ...
More About: Treat
Follow The Shopping Calender For Big Savings
2007-08-06 05:59:00
Most of us intuitively know that when the first big heat wave hits our town, good prices in the air conditioning and fan aisles will be few and far between. The question remains though, when is the best time to buy an air conditioner? Well, now we know. The best time to buy ...
More About: Shopping , Planning , Spending , Frugality , Savings
Community In Action - Contest Edition
2007-08-04 06:04:00
I don’t normally do a lot of link posts, but I think that is going to change. First, I totally appreciate whenever someone publicly appreciates my work. Second, it builds community which is a key part of growth. Third, I think it will provide value to The Happy Rock community. Hopefully ...
More About: Contest , Action , Community , Links , Edition
Hypermiling Followup - Save $466 Dollars A Year Or More
2007-08-01 19:10:00
As I thought about some of the concepts behind hypermiling I felt they demonstrate the core philosophy we have here at The Happy Rock. If we change our attitude and relationship to world around us, our finances are also affected. Let’s start with a look at how our finances might be affected, since we are ...
More About: Cars , Frugality , Save , Dollars , Year
Cheaper Than Cheap Tip Of The Week #2 - Hypermiling
2007-07-30 16:28:00
Cheap er Than Cheap” is a recurring tip series about frugality. The idea is to provide helpful frugality tips that border on fanatical to the point of being humorous. Love them or hate them, let’s hear what you think. Cheaper Than Cheap Tip #2 - Hyper miling In the age of $3.00 /gallon gas we are bombarded with ...
More About: Cars , Week , Frugality
Raising Financially Savvy Children - Tips For Teaching Your Children About
2007-07-26 11:12:00
This is a guest post by Tehn Yit Chin over at @ Cheap as Chips, “a personal finance blog with an Australian spin”. Lend him some support by checking out his site.   We, as parents, have an enormous responsibility to our children. As soon as they are born, we are responsible for their well being. ...
More About: Children , Tips , Teaching , Savvy , Finan
I Want To Be Rich Someday! How To Set Solid Finance Goals
2007-07-25 10:59:00
This is a guest post by Mark over at @ Finan cing Your Family, a newer blog that focuses on helping readers to be “smarter with their money, closer to their family, and willing to work towards worthwhile goals”. Lend him some support by checking out his site. When I talk with people about there ...
More About: Finance , Rich , Goals , Solid
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