eFinPLAN Blog

Here you'll find no-nonsense advice to help you understand and manage every one of your pennies - from how to budget yourself out of debt to tips for selecting the right kind of insurance. We write every word ourselves so you'll know that the information you read here is accurate and practical!

Savings Throughout the House, Room by Room: Basement

Categories: Spend

This series of several articles will feature ways to save money in every room of the house. From the basement to the attic, including the kitchen, bathroom, laundry room, closets and garage. Sometimes money savings articles can be hard to follow, because they connect various areas of life, but for those of us that are… Read More »

What to do with Extra Paychecks

Categories: Wills

Many people are paid every two weeks, so August may be one of the two months this year you will get an additional paycheck. If you are married and your spouse works outside of the home and paid the same way, then that may mean 2 extra paychecks this month.  However, if you don’t plan, this money will… Read More »

Great Articles from InvestSense

Categories: Invest

I have been following the blog InvestSense, written by a full time financial planner and investment adviser, and an attorney, for a few years now. I find his articles refreshingly frank, helpful, non-self promoting, educational and intelligent- cutting through much of the baloney the investment consumer stumbles upon in the media or from some firms…. Read More »

The Power of Negative Thinking

This article kind of flies in the face of the popular feel good ‘positive thinking’ philosophy, but before you jump to any conclusions, read on. Also, this has many ramifications to personal finances, which I will get to at the end of the article. The Power of Positive Thinking made popular by Norman Vincent Peale in… Read More »

The Insanity of Long-Term Car Loans

It has been reported that 7 and 8 year car loans are becoming the norm. This isn’t surprising, when you consider that the cost for a new mid-size family car, mini-van, hybrid, or small SUV can easily be $25,000, and it is not uncommon that if nice features are added they can easily cost $30,000… Read More »

Easter Week Blog Round Up

Categories: Blogroll

Here are some great articles from other personal finance blogs I follow, check out these them out for the best interest rates, secure online transactions, 11 great tools, devices to lower auto insurance premiums, and 2009 tax refund. 11 great tools everyone should have, from Money Talks News 15 tips for secure online financial transactions,… Read More »

How to Save on Razor Blades

Categories: Spend

Men’s razor blades can be very expensive, easily costing $15 to $35 for a package of replacement cartridge blades- however I may have found a couple of cheaper solutions: one is an online service called Dollar Shave Club (DSC). I cringe every time a single item at the grocery store costs $15 or more, so I… Read More »

7 Great Articles from Other Personal Finance Blogs

Categories: Blogroll

Here are some great articles from various personal finance blogs I follow, from insurance to good coffee makers, and from cheap nutrition to entrepreneurial success. 7 Inexpensive Powerhouse Foods to Add to Your Diet for National Nutrition Month, from PT Money Why Frugality Matters, from the Simple Dollar Insurance: An easier way to comparison shop,… Read More »

Extended Warrantees and Buyer Protection Plans

Is buying extended warranties a good idea? Sometimes they are called buyer protection plans too. The general consensus from almost all financial planners, writers and personal finance personalities like Dave Ramsey and Susan Orman is that they are a rip-off. Most products come with some sort of warranty, and that is a good thing to compare… Read More »

Hedonic Adaptation

Hedonism isn’t a word we use very often. If loosely defined it means happiness achieved through feeling pleasure. Many psychologists say that one of the greatest barriers to happiness is ‘hedonic adaptation.’ When you are getting ready to buy something, you anticipate the pleasure it will bring. However, after you own it for a short while,… Read More »