Category Archives: Intelligent Consumerism

Wearing Success on Your Sleeve

“Wearing success on your sleeve”.  That is an interesting phrase.  My close friend Chris told me a story about when he was a teenager. When he was 16, he had a job working at Burger King.  With his first paycheck, he bought a 14-ct gold bracelet.  When his dad saw the bracelet, he asked Chris why he wanted to “wear his success on his sleeve”.  Chris was just a teenager and wanted to be cool. Chris’s dad is a highly successful […]

I am Frugal, not Cheap

While my wife likes to tell people that I am cheap, I am just frugal.  I don’t like to spend money.  When I must spend it, it is like saying good-bye to a close friend.  Well, that might be a bit dramatic, but it honestly does sting some when we part ways. When I do spend money, I seek out value.  I want the best quality product at the lowest price.  In the past, there […]

Why I Paid Down My Auto Loan on a Used Car as Fast as Possible

Cars are a necessary expense for most Americans. Unless you are lucky enough to live near a good public transportation system or in a major urban area, you will likely need a vehicle to accomplish tasks of daily living, such as getting to work, buying groceries, or going out to dinner. Buying a car can be expensive, and having a car loan can be a pretty steep financial burden, particularly on top of student loans, […]

The Aldi Experience

The first time I ever visited an Aldi grocery store was when I was 16 years old.  I just passed the exam for my driver’s license.  One Saturday, I wanted to borrow my grandmother’s car to go cruising with my friends.  She agreed to let me borrow the car for a few hours, but I had to work for the privilege to use it. My job was to go to the market for her.  My assignment was not to […]

I Bought a Lemon

  The first time I took on debt was the spring when I graduated from high school.  When I was a senior in high school, I was not 100% sure what I wanted to do with my life.  I knew that I would ultimately attend college, but I was not mature enough yet at the age of 18. After talking about it with my parents, we decided that I was going to work for a year or […]

Sirius XM: Getting Past No

Yesterday, when I was checking the mail to see what type of junk the postman delivered, I noticed a letter from Sirius XM Radio.  When I opened the letter, it was for my subscription renewal.  I have the Sirius XM All Access Plan.  The total that I owed was $273.  That was for the base price of $239 and $34 for a music royalty fee. Wait, I know what you are thinking.  This guy has a blog about personal finance […]