I overheard the parents of my best friend talking about money last night. They were complaining about how much interest they are paying on their credit card.
Seems they used their card to buy stuff when they didn’t have the ready cash to do so. But they loaded so much debt onto the card, they didn’t [...]

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I’m really enjoying spending a bit of time each day ‘tending the fields’ on Facebook’s Farmville. It’s giving me the chance to try out some different money strategies…
When I started, I could have been described as a ‘hobby farmer’. I just planted whatever crop had the nicest picture, which didn’t earn me much for my [...]

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I don’t think I was cut out for making decisions like a farmer does. I mean, whenever I’m faced with having to plant a new Farmville crop, it’s really hard picking the best seeds to sow.
It takes me ages to try and figure out how much each planting is going to cost me and whether [...]

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I’ve discovered that even ‘pretend’ money on Farmville is easy for me to spend. There never seems to be much in my virtual bank account because I’m always planting new crops or buying additional equipment.
The frustrating thing is waiting for my crops to mature, so that I can harvest them and earn more coins. I [...]

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Spending money does not come easily to me, even when it’s virtual cash on Farmville.
When faced with the choice between watching my farm’s bank balance grow and forking out to plough my plot and plant another crop, I felt torn between the two choices. Would my decision be worth it in the long run?
I need [...]

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I really like this time of year. Christmas comes as no surprise, so it’s easy to plan for.
I’ve been setting money aside for the extra spending during November and December. I won’t have to stress over maxed-out credit cards in the new year and I’ll even have some money spare to take advantage of the [...]

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Ah yes… Christmas. The time of trying your best to please everyone and not really succeeding.
I’m always torn between buying the things my friends and family will really like and actually spending what I can afford. But then if I spend less than everyone else, what will they think of me?
My hot tip for this [...]

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Christmas rocks! I just love spending time in the mall, browsing the displays, trying to decide what to buy everyone.
It’s true I do tend to spend a bit much overall, but seeing the smile when I give the gift makes it all worthwhile. I’ll worry about the bank balance in the new year…
My hot tip [...]

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Wow! Just six weeks to Christmas…
This time of year can be frustrating. I’ve worked hard since last December to build up my bank account and now I’m expected to spend great chunks of it on other people!
Don’t get me wrong, I enjoy giving gifts. It’s just the whole ‘expectation’ of who should receive presents and [...]

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I admit there are times when I’m smitten by a new product, or see something in a store I ‘must’ have. As a splurger, I more often than not succumb to the desire and drag out my wallet (or credit card) and make the purchase.
Leo Babauta over at mnmlist.com has described this as ‘the lust [...]

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