http://www.pennysaverblog.com Smart Finance and Money Saving Tips Sun, 07 Mar 2010 16:43:18 +0000 http://wordpress.org/?v=2.9.2 hourly 1 http://www.pennysaverblog.com/using-the-first-time-home-buyers-plan-for-a-home-down-payment/comment-page-1/#comment-79 The Best & Worst Time To Make an RRSP Withdrawal | Pennysaverblog.com Sun, 07 Mar 2010 16:43:18 +0000 http://www.pennysaverblog.com/?p=1371#comment-79 [...] within your RRSP, or you are planning on taking advantage of the Lifelong Learning Plan or the First Time Home Buyer’s Plan, I would not recommend saving within an RRSP investment [...] [...] within your RRSP, or you are planning on taking advantage of the Lifelong Learning Plan or the First Time Home Buyer’s Plan, I would not recommend saving within an RRSP investment [...]

]]> http://www.pennysaverblog.com/who-cares-what-the-joneses-have-not-me/comment-page-1/#comment-78 Top Ten Excuses For Not Saving Money | Pennysaverblog.com Sun, 07 Mar 2010 16:38:31 +0000 http://www.pennysaverblog.com/?p=901#comment-78 [...] I deserve to have what my neighbors have.  We’ve all heard the phrase “keeping up with the Joneses”.  Although few will admit it, a lot of people feel they have to have every gadget and gizmo that [...] [...] I deserve to have what my neighbors have.  We’ve all heard the phrase “keeping up with the Joneses”.  Although few will admit it, a lot of people feel they have to have every gadget and gizmo that [...]

]]> http://www.pennysaverblog.com/start-investing-when-you%e2%80%99re-young/comment-page-1/#comment-77 When It Makes Sense To Pay Off Your Mortgage Faster | Pennysaverblog.com Sun, 07 Mar 2010 16:37:31 +0000 http://www.pennysaverblog.com/?p=1084#comment-77 [...] your money such as for funding your latest business project. 4.  Fourth, you may want to start building up your retirement savings at an early age before focusing on paying off your mortgage because by doing so you have time on your side and your [...] [...] your money such as for funding your latest business project. 4.  Fourth, you may want to start building up your retirement savings at an early age before focusing on paying off your mortgage because by doing so you have time on your side and your [...]

]]> http://www.pennysaverblog.com/emergency-fund-how-much-is-enough/comment-page-1/#comment-76 When It Makes Sense To Pay Off Your Mortgage Faster | Pennysaverblog.com Sun, 07 Mar 2010 12:07:15 +0000 http://www.pennysaverblog.com/?p=920#comment-76 [...] you want to make sure that you have enough money kept liquid and accessible in the form of an emergency fund and once you have enough saved, then you can start focusing on paying off your [...] [...] you want to make sure that you have enough money kept liquid and accessible in the form of an emergency fund and once you have enough saved, then you can start focusing on paying off your [...]

]]> http://www.pennysaverblog.com/ways-to-increase-your-net-worth/comment-page-1/#comment-75 Top Ten Excuses For Not Saving Money | Pennysaverblog.com Sat, 06 Mar 2010 06:14:18 +0000 http://www.pennysaverblog.com/?p=1392#comment-75 [...] that will appreciate in value.  Although buying assets as investments can be a good thing in building your net worth, it’s still important to always have some cash on hand that is liquid and accessible in the form [...] [...] that will appreciate in value.  Although buying assets as investments can be a good thing in building your net worth, it’s still important to always have some cash on hand that is liquid and accessible in the form [...]

]]> http://www.pennysaverblog.com/pay-yourself-first/comment-page-1/#comment-74 Top Ten Excuses For Not Saving Money | Pennysaverblog.com Fri, 05 Mar 2010 11:25:42 +0000 http://www.pennysaverblog.com/?p=935#comment-74 [...] to save money.  Actually, instead of thinking this way, you need to understand the importance of paying yourself first.  Before the bills get paid and you buy that new gadget that is being advertised on television, [...] [...] to save money.  Actually, instead of thinking this way, you need to understand the importance of paying yourself first.  Before the bills get paid and you buy that new gadget that is being advertised on television, [...]

]]> http://www.pennysaverblog.com/save-money-when-eating-out/comment-page-1/#comment-73 Expensive Habits To Break in 2010 | Pennysaverblog.com Wed, 03 Mar 2010 02:28:20 +0000 http://www.pennysaverblog.com/?p=385#comment-73 [...] Alcoholic beverages at restaurants – When you eat out, you can reduce your cost significantly by drinking water with your meal rather than buying [...] [...] Alcoholic beverages at restaurants – When you eat out, you can reduce your cost significantly by drinking water with your meal rather than buying [...]

]]> http://www.pennysaverblog.com/bring-your-own-lunch-to-work/comment-page-1/#comment-72 testaaa | Pennysaverblog.com Wed, 03 Mar 2010 02:26:05 +0000 http://www.pennysaverblog.com/?p=56#comment-72 [...] your hard-earned money day after day by buying lunch at your work cafeteria, get into the habit of bringing your own lunch to work using leftovers from the night [...] [...] your hard-earned money day after day by buying lunch at your work cafeteria, get into the habit of bringing your own lunch to work using leftovers from the night [...]

]]> http://www.pennysaverblog.com/buy-your-own-specialty-coffee-hot-chocolate/comment-page-1/#comment-71 Expensive Habits To Break in 2010 | Pennysaverblog.com Sat, 27 Feb 2010 11:09:49 +0000 http://www.pennysaverblog.com/?p=1296#comment-71 [...] Specialty coffees – If you find yourself stopping at Starbucks every morning for your favorite specialty coffee, consider buying the mix and making a cup at home.  You can bring it to work in a mug or thermos [...] [...] Specialty coffees – If you find yourself stopping at Starbucks every morning for your favorite specialty coffee, consider buying the mix and making a cup at home.  You can bring it to work in a mug or thermos [...]

]]> http://www.pennysaverblog.com/should-i-rent-or-buy-a-home/comment-page-1/#comment-70 Daddy Paul Fri, 26 Feb 2010 23:17:19 +0000 http://www.pennysaverblog.com/?p=1430#comment-70 Good read. My opinion is buying a home is generally a good deal. Timing is important. Right now is a great time to buy as interest rates are low and prices are low. Often as interest rates rise high end homes begin to suffer in value as there are fewer potential buyers. When you rent you have nothing to show for your savings. 20 to 30 years ago I was an advocate of buying the most home you could afford. 10 years ago I changed my bias towards lower cost homes or renting. Today I am in favor of buying a home that you plan to stay in for a long time as interest rates will rise. Today if I were buying I would be out to find a real deal. There are a lot of motivated sellers out there. Good read. My opinion is buying a home is generally a good deal. Timing is important. Right now is a great time to buy as interest rates are low and prices are low. Often as interest rates rise high end homes begin to suffer in value as there are fewer potential buyers.
When you rent you have nothing to show for your savings. 20 to 30 years ago I was an advocate of buying the most home you could afford. 10 years ago I changed my bias towards lower cost homes or renting. Today I am in favor of buying a home that you plan to stay in for a long time as interest rates will rise. Today if I were buying I would be out to find a real deal. There are a lot of motivated sellers out there.

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