Earn More, Spend Less: Volume 12

Michael Lux Blog, Earn More, Spend Less 0 Comments

This week I received yet another reminder that there is no harm in asking.

Watching tv the other day I noticed a new feature that my credit card company was offering new customers.  I was definitely interested, but I was not willing to apply for another card.  On a whim I called and asked about the new service.

To my pleasant surprise, I learned that all they had to do was convert my existing account to the new card.  No credit check would be necessary, and all I would lose out on would be my ability to get customized credit card designs.  It was shockingly easy.

Very rarely can I say I am a happy customer with a creditor, but this week I am.  All I had to do was make a 5 minute phone call and ask for what I wanted.  The worst they could have done would be to say no.

Now for the best tips from the around the web on earning more money and spending less…


Matt Becker @ Mom and Dad Money writes How to Start Investing From Scratch – Part 2 – Welcome to Part 2 of my mini-series on how to start investing when you have little money or understanding of investing. This article will give you some simple steps you can take right now to get started on the right path.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Why I Won’t Be Home for the Holidays (Also My Big News!) – I can finally share my big news (and explain why I won’t be home for the holidays this year)! This past Monday I finally found out that everything is a go and I can share my exciting news with you! So what am I talking about? A new job of course!

Betsy Muse @ ConsumerFu writes How to Start an Online Business – Use this comprehensive guide to starting an online business to jumpstart the launch of your new venture.

Justin @ Root of Good @ Root of Good writes Snapshot of Root of Good’s Diversification and Asset Allocation – Justin explains the asset allocation in his seven figure investment portfolio. Here’s a preview: global diversification spanning the US, Europe, Asia, and Emerging Markets along with a tilt to value and small cap stocks. There’s also a slice of alternative investments (real estate) to round out the portfolio.

Robert @ The College Investor writes 4 Ways to Invest in Real Estate – You love investing and at this point nearly all of your money is in the stock market. You know it’s important to diversify but aren’t sure if real estate investing is right for you. While real estate investing certainly isn’t for everyone it can be very lucrative.

Robert @ Beat The 9 to 5 writes How My Wife and Baby Have Made Me A Better Entrepreneur – Let me share how my wife and baby have helped me become a better entrepreneur, and hopefully you can see some parallels to you own life and journey.

Pauline @ Make Money Your Way writes How does Currency Trading Work – Troy continues the investing for beginners series and now he talks about how does currency trading work.


The Warrior @ Net Worth Warrior writes The Problem with the Frugality Mentality – Personal finance bloggers, like me, tend to focus on reducing spending and expenses, but rarely look at the other side of the coin to doing so. In this post, I discuss the downside to the mentality that frugality is always necessary.

Jon @ 2 Copper Coins writes Do It Yourself Auto Repair – Find your mechanical Yoda and learn how to save on labor costs.

Jay @ The First Million is the Hardest writes Buying an Engagement Ring Online – My Blue Nile Experience – How buying my engagement ring online instead of a traditional jewelry store saved me a ton of money.

Adam @ Money Bulldog writes Let Your Inner Child Save You Money – What can your younger you do to help you save some money right now?

Matt Becker @ Mom and Dad Money writes Keeping a Budget vs. Tracking Your Spending – Budgeting is one of those things that, despite the almost ubiquitous advice that you need to keep one, continues to mean different things to different people. Today I’d like to compare two different methods, keeping a budget vs. tracking your spending, and talk about which one you should use.

Pauline @ Reach Financial Independence writes How I lived on $400 a month in college – Find out how I lived on $400 a month in college in France.

Little House @ Little House in the Valley writes Reign In the Spending Over the Holidays – Unbeknownst to the ad agencies pumping out creative spots that grab our attention, we have free will over how much we spend this holiday season.

Miss T. @ Prairie Eco Thrifter writes How to Save on Sports Equipment for Kids – My friends found some ways to save money on sports equipment for their kids over the years that I would like to share with you.

Mr.CBB @ Canadian Budget Binder writes How to keep the romance alive on a budget – It’s important to keep the romance alive in a relationship but there are ways to do it and still stick to your budget if you just plan in advance