The Friday Five – Family Vacation

family vacation

Florence, Italy

July 25th – July 31st

Welcome to another edition of The Friday Five. This is where I share what I consider the week’s top-five money related articles from around the web.  There are a lot of great personal finance websites publishing amazing content daily and I feel that I must share them with you.  I hope you enjoy my five favorite articles of the week.

If you haven’t, please read this week’s posts on Need To Eat More Vegetables? – Join a CSA and on 1 in 3 Americans Have Debt in Collections. Please don’t forget to follow me on Twitter, Google+, and like Million Dollar Ninja on Facebook.

In no particular order here are The Friday Five

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1 in 3 Americans Have Debt in Collections

debt in collections

Adults with Debt in Collections, 2013*

One out of every three American adults have had at least one account put “in collections” in 2013.  This is according to a recent study done by the Urban Institute.

The study analyzed data from more than 7 million consumers and found that 35% of American adults with a credit history had debt in collections in 2013.  The data was collected by TransUnion, one of the three major credit bureaus.  Debt in collections were nonmortgage debt, which includes credit card debt, medical bills, gym memberships, utility bills, etc.

The average amount of debt in collections for the U.S. was $5,178 per person.  The District of Columbia had the lowest average dollar amount owed per person at $3,547.

The study also showed that the entire country has a problem with debt.

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Need To Eat More Vegetables? – Join a CSA

CSA

Our CSA box for Week 8

Healthy eating lowers the risk of developing various chronic diseases, such as high blood pressure, high cholesterol, and may also lower the risk of some types of cancer.

Last year I got blood work done and even though the results weren’t alarmingly high, they were not within the normal range.  My total cholesterol was normal, but my HDL “good” cholesterol was low, my LDL “bad” cholesterol was elevated, and my total cholesterol/HDL Ratio was high.  My triglycerides were also elevated.

I am 33 years old, I’m not overweight – at least not by much – and although I don’t exercise as much as I should, I do work out at least once a week.  I know it is not enough; all I’m just saying is I’m not completely lazy.

I could exercise more often, but exercising five time a week won’t help me much if I keep eating unhealthy.  I knew I needed to change my eating habits and the best way to do so is by eating more vegetables.

Trying to get me to eat more vegetables is the main reason we joined our local CSA.

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The Friday Five is Back!!!

Friday Five

Highest I’ve ever been!

July 18th – July 24th

Welcome to another edition of The Friday Five. This is where I share what I consider the week’s top-five money related articles from around the web.  There are a lot of great personal finance websites publishing amazing content daily and I feel that I must share them with you.  I hope you enjoy my five favorite articles of the week.

If you haven’t, please read this week’s posts on How I Saved $450+ on Getting My Car Painted and on 10 Common Money Mistakes.  Please don’t forget to follow me on Twitter, Google+, and like Million Dollar Ninja on Facebook.

In no particular order here are The Friday Five

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10 Common Money Mistakes

Money Mistakes

Money Down The Drain

You would think that since we handle money on a daily basis we should be experts on money, but the reality is that we make a lot of money mistakes that lead to us losing our hard earned money.

If you read my story, you know that I made a lot of money mistakes that kept me living paycheck to paycheck every month.  Fortunately I have rectified some of those mistakes, but I’m still working hard to get on the path of financial independence.  Below is a list of common money mistakes I’ve made and that you should avoid.

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How I Saved $450+ On Getting My Car Painted

car painted

Car Leprosy?

A few months ago I noticed the paint on the roof of my car was fading a little bit.  I found this to be a bit odd because my car is not that old (2007), but I also never use wax on my car so I figured that’s probably what happens when you don’t wax your car.

The “fading” started growing slowly until it got to a point that I had to do something about it.  If I ever want to sell my car I don’t want it to look as if it spent too much time in the sun and now its skin is peeling.

I couldn’t allow the car leprosy to continue so I decided to go to auto body shops and get quotes on getting the roof of the car painted.  I stopped at a body shop on my way to work and the technician there said he would paint it for $450 – my job now was to find someone who can paint my car for less.

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Rich Dad, Poor Dad – Book Review

Rich Dad, Poor Dad

Book Review

Rich Dad, Poor DadWhat The Rich Teach Their Kids About Money That The Poor And Middle Class Do Not!

On my latest visit to section 332.024 at the local library I came across Rich Dad, Poor Dad by Robert Kiyosaki, and since it was labeled as “The #1 New York Times Bestseller” I decided to grab a copy and check it out – no pun intended.

I’m not sure how I feel about this book yet. That’s not true, I know exactly how I feel. Read on.

When I first started reading Rich Dad, Poor Dad, I was a little intrigued by the first few chapters, but as I kept reading I started to feel more and more annoyed by Robert Kiyosaki.  The book has some good points, but at times it also made me feel like I was sitting through a sales pitch. No, I don’t want to buy a time-share Robert.  He actually doesn’t say you should buy time-shares, I just felt like he was constantly trying to sell me something.

But before I tell you why Kiyosaki rubs me the wrong way, let me break down a few things about his book Rich Dad, Poor Dad.

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How to Stop Procrastinating

Stop Procrastinating

Stop Procrastinating

On Monday I told you about my little encounter with Vogue magazine and how I needed to flip through 120 pages of ads to get to the first article.  The first article, however, caught my eye and I decided to give it a read.

I’m glad I did.

The article is called “Late or Never?” by Adam Green, a Saturday Night Live writer and Vogue theater critic, who is also a major procrastinator.  Adam starts by saying how he was always late on his writing assignments and this in turn gave him a bad reputation.  I’m paraphrasing because I don’t have the Vogue edition in front of me, but his reputation for being late was so bad that when his former boss left the company, she received a mocked copy of the magazine with the headline “Adam submitted an article on time!” – or something along those lines.

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I’m In The Wrong Business!!!

magazines

Vogue, April 2014

Last Saturday I went to get a haircut because I needed to look pretty for a wedding I’m attending.  Kate’s brother, Eugene, is getting married… Congratulations Eugene.  Since my guy doesn’t take appointments and it’s a first come, first serve agreement, I had to wait around a bit for my turn.

I like to call Alfonso my barber, but he doesn’t work in a Barber Shop.  He is the only male in a Hair Salon – does that make him my Stylist?  Anyways, after checking Facebook on my phone without finding anything amusing, I decided to see if the “Barber shop” had any magazines that might keep me busy for a while.  But the magazines that were available were not up my alley.

Since I already know there’s nothing useful in Cosmopolitan and Vanidades (Spanish magazine that is nothing but sex.  90% of the topics are “How to make your man scream your name in bed” or “How to make your man achieve the greatest orgasm he ever had.”  I honestly don’t know how come you don’t need to be 18 to buy this thing.  I digress again.) I decided to pick up Vogue instead.

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The Friday Five – Happy 4th of July!!!

4th of July

Happy 4th of July!!!

June 27th – July 3rd

Welcome to another edition of The Friday Five. This is where I share what I consider the week’s top-five money related articles from around the web.  There are a lot of great personal finance websites publishing amazing content daily and I feel that I must share them with you.  I hope you enjoy my five favorite articles of the week.

If you haven’t, please read this week’s posts on Why You Need an Emergency Fund and on Making a Summer Bucket List.  Please don’t forget to follow me on Twitter, Google+, and like Million Dollar Ninja on Facebook.

In no particular order here are The Friday Five

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