I, J. Savings, only claim the thoughts from my head. I am NOT a professional finance'er, banker, CPA, or anything of that sort. Please seek a professional for any "real" advice. For more info, please check out my disclosure page. That is all - enjoy!

    Friday, May 16, 2008

    Woohoo - i'm gonna be rich!

    According to this awesome little quiz that is ;) I saw it over on alwaystheplanner.blogspot.com, who saw it on someone else's blog, who saw it from their momma's...well, you get the point.

    If you wanna waste 5 minutes and answer some pretty silly questions, this is the game for you! And I believe i even saw the word "sexy" appear in it somewhere... or a least I envisioned it.

    Okay, so yeah - play and have fun:




    10,999,943
    How much money will you be worth?

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    J's Graphic "Design Shop" is now open :)

    J's Design Shop

    Aww yeahhhhh - My virtual shop is now ready for some happy customers!
    If you know of anyone looking for some extra help sprucing up their logos, blogs, websites, or anything else out there - shoot 'em on by! You might even get a nice little present from me ;)

    Gotta make some sort of money on my bloggy blog, right? I mean, this IS a blog about money management and all. haha... and don't get me wrong, the $2.70 I've earned so far is def. something for sharing my passion w/ the world - but it sure ain't sexy!

    So, until the big boys start rolling in and purchasing my online real estate, it is time to get creative (no pun intended) and help my fellow bloggers/companies out with some nifty graphic design. Plus, putting my old college degree to use sure would make momma proud ;)

    Now onto the juicy stuff - my rates. I'm still in the process of working it all out, and most will be on a case by case basis, but here's a list of what you could expect:
    • For my "advertise here" icons - FREE (click here for an assortment)
    • For smaller projects - $15.00 per graphic (perhaps to supplement or promote articles? example)
    • For average projects - $25.00 per graphic
    • For larger projects - $50.00 per graphic
    • For custom logos - $100.00 per logo - a STEAL...for now ;)
    • For monthly "design help" - $100/mo. I'd basically be your right hand man for any design-related needs that would come up throughout the month (within reason, of course).
    • My design skills for your _____ ? That's right, i'm a bartering man too.
    I'll update this as time goes on, but at least it gives you an idea right? If you have any questions or suggestions, you can contact me here. I'm pretty flexible when it comes down to all this stuff - especially if you catch me on a good day! haha...

    So that's it folks. Keep me in your pocket for whenever a need might arise. And remember, the early blogger gets the worm! (i don't know what i said that...it really doesn't make sense.)

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    Here are some FREE icons if anyone wants to use them :)

    I'm starting to create some images I find useful, and thought I'd pass them along if anyone else wants to use them as well :) I'll probably end up adding some more down the road too, so be sure to check back every now and then. Now time to post about my newly found "design shop" - woohoo!

    "Your Ad Here"



    "Your Ad Here"



    "This Space For Rent"





    Also, if you'd like any of these at a certain size, just holler and i'll see what i can do.

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    Thursday, May 15, 2008

    Get your FREE iced coffee toay!

    I'm sooooo late on this today (what can i say, i'm busy actually "working"), but i've seen it posted all over everyone's blogs and thought I would pass it along - on the slight chance this golden nugget had escaped your ears & eyes too:

    Dunkin Donuts is giving away FREE 16 oz. iced coffees today until 10PM.

    You can check out their website for more info, but that's reallly all you need to know, right? And tell all your friends so you can look like a superhero ;)

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    Political donations aren't tax deductible?

    Man, thank goodness I didn't shell out those 10G's I was planning on sending to Obama! haha .... j/k of course. But seriously, i had no idea you couldn't write them off. I bet you used to be able to, but like always, someone (or a bunch of someones) ruined it for all of us.

    It's surely not the end of the world, and def. shouldn't be one of the top reasons to donate to a cause, but it did get me thinking. Esp. considering i was just about to donate for the first time ever to a campaign! (can you guess whose?) I would have just slapped it right into my "contributions" folder at home, an added it to next year's tax #'s.

    I guess it's good that I subscribe to Money Magazine then ;) Their brief, and to the point, write up on this caught my eager eyes on my daily commute in this morning. It was titled, "Funding Your Candidate" (June, pg23) and shared 3 things to keep in mind:

    1) You can give only so much. There are actually caps on how much you can donate - imagine that! Here are the limits each person can donate for 2008 (they are adjusted every 2 years for inflation):
    • $2,300 per candidate, per primary
    • $2,300 per candidate, per general election
    • $28,500 to a national party
    • $10,000 per state or local party
    • $5,000 per political action committee (PAC)
    • UNLIMITED donations to a 527 - some sort of candidate lobby group...maybe this is why i hear of people donating $100,000 here, $200,000 there?
    2) Your info will go public. W-O-W, never saw that one coming! (i'm being serious there...although to some of you it will probably come across sarcastic. haha) Apparently there were some reforms after Watergate, and every time you make a contribution, you ALSO have to provide the following:
    • your name
    • your job
    • your employer
    • your address
    Now, if your total donations are UNDER $200, then your info will just stay w/ the campaign. BUT, and a very interesting one indeed, if your contributions go OVER $200, your info then gets forwarded to the FEC, who then posts it on their website - FEC.gov !!! And then there is ANOTHER then, where it THEN gets picked up by sites like OpenSecrets.org, and FundRace.org who put them in searchable databases! Please excuse another one - W-O-W!

    3) No Federal tax deductions for any contribution. We already covered this one, but Money does a good job of pointing another option out for those deductible-hungry citizens. And that is to donate the said money to a charity that your candidate supports. This way, you help them out, the charity out, and yourself out ;)

    So, what will i be doing with this new found information? I'm gonna donate directly to my man Obama. As I've mentioned, I've never once done so in my lifetime, and since my budget only allows for amounts UNDER $200, I won't have to get freaked out about my info all over the net.

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    Wednesday, May 14, 2008

    America's net worth - where do you stack up?

    median net worth
    I recently found this tool (and MANY others) on CNNMoney.com, and it's pretty freakin' interesting. It just asks for your age and your yearly income, and it plops you out a couple of nice and simply graphs. The first shows the average "net worth" for your age-group (as posted to the left), and the second shows the average "net worth" for your particular income level.

    Both graphs are pretty cool to see. That first one is SCARY though! Can you believe that? man.... luckily, i'm WAY better off than the average in this group (Opah!), but my $66k is wayyyyy below the average for my income level. Age plays a huge part in this ofcourse, as I've only been at this salary for less than a year, so I'm just hoping i can stick with it and/or increase it for years to come!

    Give it the old college try, and see how you compare. Hopefully you'll be on top of at least one of the graphs! And if not? Well, now you have something to strive for. Just keep reading the blogs to help pump you up ;)

    *I've also just added a new section of helpful links*
    It can be found on the left column, and it links to some pretty sweet tools & calculators out there. So far I have the following:

    I'll be updating/revising them over time, so feel free to holler if you'd like to see a special on in particular, or even if you have found a more helpful one.

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    Tuesday, May 13, 2008

    Reason #0348821 to have cash at work.

    In case you forget your wallet at home. like i did. today. Luckily, operation dollar-a-day is still in effect, and i had a good $10.00 in my trusty cup. This is especially helpful if you need to eat lunch (which most people do), and you also forgot THAT at home. poop.

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    Win cash playing "Edmunds Savvy Shopper" sweepstakes!

    Edmunds.com just came out with a fun little sweepstakes to win cash prizes - up to the grand prize of $3,500 cash towards a new car!

    All it takes is a little car smarts (or in my case, a LOT of guesses and google researching) and you're on your way.

    It started on May 1st, and goes through to June 12th - so start entering!


    You can also enter once a week, and by "enter" i mean "guess correctly", and there will be a total of 6 weekly prizes + the end grand prize. Here's the link: Edmunds Savvy Shopper sweeptakes

    Oh, and a little hint: Most of the cars just rotate in and out....in case you get stuck ;) Thanks M80 for sending me an email on this, we'll take any chance to win some easy money! Holler.

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    Monday, May 12, 2008

    Some more carnival action comin' at ya.

    If you're looking for some great articles out there, it's good to check out some of the carnivals every now and then :) They're pretty rad as you can find a handful of great tips, all from one posting...and from some of the killer bloggers out there!

    The topics usually span different categories (savings, debt reduction, frugal-ness, etc.), or even "personal finance" in general, and are from the past week or so around the blogosphere. Here are two three this week that have some pretty nifty ones...including a couple of my own ;)

    - Festival of Frugality #125 "Save some money if you're rich" edition - Four Pillars
    - 139th Carnival of Debt Reduction: Debtors Prison - from DebtFREE Revolution
    - Carnival of Personal Finance #152 - from Money Under Thirty

    I've been learning quite a bit from them lately, so you might see a quick post on them each week. Or I might add a sidebar linking to them...hum... i dunno. all i know is, it's TIME TO LEAVE WORK! aww yeahhhh. Have a great evening everbody!

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    Mrs. Budgetsaresexy on frugal wedding-ness

    Dear Readers,

    Well hello! And welcome to my guest post :) As our impending nuptials quickly approach, I figured I would throw in a few of my frugally-minded wedding experiences to share with those interested. And, as I am MUCH more charming and interesting than the regular writer of this blog, you will probably find reading this to be the greatest experience of your life!! Haha, just kidding....it will be closer to the second or third greatest experience of your life.

    I keed, I keed!

    So as the oh-so-handsome Mr. BudgetsareSexy (aka J.) had previously mentioned, our initial wedding budget from my lovely and generous mother was just around $10K, and then we planned to pitch in the rest ourselves. It may be hard to believe, but most weddings, particularly in our (*cough*snobby*cough*) area, cost a great deal more than this, so we had to work hard to make ends meet and still make it a beautiful day for all to enjoy.

    The following are some of my friendly and frugal tactics for cutting costs:

    1) The wedding dress. Some brides want (and can afford) a dress that costs thousands of dollars; I am not one of them! I meandered over to David's Bridal, tried on 6 or 7 dresses and luckily found one I liked for a reasonable price. Some other tips for brides looking for their dream dress would be to check out second-hand bridal stores (where you can find a gorgeous pre-worn dress for a fraction of the cost), or for the hardier ladies, even the "running of the brides" annual event done by Filene's Basement. I did this years ago with a friend of mine who was getting married, and it was chaos! But, to some degree, it was fun--and indisputeably thrifty! If you are one of the lucky ones, you just may end up with a dirt-cheap designer gown, with only alterations and cleaning costs to cover.

    2) Accessories. It's pretty easy to run up wedding costs with bridal accessories---headpieces, shoes, lingerie, handbags, etc. can put a considerable dent in your budget. However, keeping an eye out for sales and prioritizing your "must-haves" in light of your "can-do-withouts" is always important. Personally, I hit up Target for my reception shoes ($5.09 on clearance), eBay for my veil ($23 from an original $179), and the cheapest shoes/dress combo I could find for my rehearsal dinner outfit ($20 shoes from payless, and a $22 dress from Forever 21). It's definitely a special day and worth spending a little extra money for things you want to preserve for posterity (ie, i spent about $150 on a pearl necklace and earring set--on a 60% off sale, of course), but for the rest, give your wallet a rest and comb the clearance racks!

    3) Online coupon codes. I ordered all of my bridesmaid gifts on overstock.com ($ saver in itself), and just today ordered disposable camers (on sale for only $2.99 each) and bubbles ($8.49 for a pack of 48) from theknot.com. Before checking out online, I did quick google searches for promo codes for both sites. Lo and behold, I found them, and wound up saving 10-15% off the original cost just by finding a little code to type in! Just as those little dollars here and there add up to the total wedding cost, saving those dollars wherever possible can also add up big in the long run.

    4) Wedding favors. Who ever uses those crappy throwaway items that many people give away as wedding favors? I mean, seriously...when you get a cake-topper to bring home from a wedding, do you really ever do anything other than toss it in the garbage when you get home? The frustrating part about favors is, even though people don't tend to use their $2-3 momento for much, they expect them, AND, it winds up costing us hundreds when factoring in 170 guests or so. Our plan? Tentatively, we are planning to donate a tree for each guest from the Arbor Day Foundation. 1 tree costs $1, and even though it will still end up costing us a fair amount, it's A) tax-deductible, and most importantly, B) going to a good cause. We will then type up some small cards to place at each setting, letting the guests know that a tree was planted in their honor.

    5) Stationary. Once upon a cold February evening, Mr. B and I headed off to a meeting at a fancy-shmancy stationary store to discuss wedding invitations. It was a night that we will not soon forget, but that is only because they basically ignored us after shoving some books of overpriced paper samples at us and walking away. We promptly returned home, and Mr. B found some much more reasonable online invitations for us to order (check out Exclusively Weddings). If you do your research, there are plenty of options out there in the online world for all kinds of budgets. And in lieu of buying matching thank you notecards with the invitations, we opted for non-matching (but still cute) notecards from the dollar bin at Michael's. 10 notecards for $1 is an awesome deal, and I guarantee you that no one is going to mind if our thank you notes don't match the invitation pattern. It's what written inside them that counts!

    As this is turning into less of a blog posting and more of a book, I'm going to stop here. If you're getting married soon, I hope a few of these tips and experiences are helpful to you! And for the rest of you readers....well, hope I didn't bore you to tears!!

    Happy Blogging to all!

    Sincerely,
    Mrs. Budgetsaresexy

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