By: SimpleDollar on January 19, 2009 - 1:29pm - Add new comment

This started off as an email to a reader, but I thought that many other readers might find this of some value.

Recently, I received a long email from a very distraught woman (that I’ll call Mary) who has finally come to the realization that she will not be able to retire in seven years as has been her plan all along.

By: SimpleDollar on January 14, 2009 - 8:38pm - Add new comment

My three year old son has officially graduated to the “Why?” stage.

Most parents - actually, anyone who has spent much time around a three year old - know exactly what I’m talking about. He’s basically asking “Why?” about everything that happens, from the simplest mundane household things to complicated issues like the nature of life.

In other words, there’s a lot of explaining going on around the clock here at the Hamm household.

By: SimpleDollar on January 12, 2009 - 10:49pm - Add new comment

hands2 by msburrows on Flickr!As I’ve mentioned many times before, I start off every day with a pretty full to-do list - usually numbering twenty items or so.

By: SimpleDollar on January 8, 2009 - 3:23pm - Add new comment

Frugal Joe's Ordinary Beer by MontageMan on Flickr!When I first started writing The Simple Dollar, I was working at a very stable 9-to-5 job that paid quite well. My wife and I lived in a very small apartment with our one child, a boy who wasn’t even a year old yet.

By: SimpleDollar on January 5, 2009 - 12:08pm - Add new comment

I thought it would be fun to start off 2009 by making a handful of predictions as to what the coming year will hold in terms of your money and your lives. We’ll check back at the end of the year to see how I did.

The Dow will not go below 8,000 this year. I believe the stock market has already hit its “bottom.” Generally, when you see a long leveling off period even in the face of some bad economic news, the market is full of roughly equal numbers of buyers and sellers, and as soon as the news turns good, the sellers will disappear, leaving only buyers.

By: SimpleDollar on December 22, 2008 - 2:49pm - Add new comment

When I started working on this post, I was trying to make a list of Christmas (or other winter holiday) gift ideas under $10 that would be great to give for family gift exchanges, as stocking stuffers, and so on. I easily made a list, but then I realized when I read through it that I actually would not like it if I received most of this stuff. If I wouldn’t like these frugal gifts, why would I ever recommend these things to you?

So I threw out the list and started over.

By: SimpleDollar on December 15, 2008 - 2:14pm - Add new comment