Wrinkly Dollar

A Story About Bad Credit

Back in the summer of 2000, I spent about 10 weeks in San Diego. The weather was beautiful every day, the people were friendly, and my weekends were filled with relaxation… except for one. On one Saturday morning that summer, I woke up to a pain in my chest, a broad tightness across the top of my torso. So I did what anyone would do. I freaked out. In the end, after a trip to emergency room, I was fine – it turned out to be a muscle pull in my back. It also turned out that the muscle pull would be the least of my pains from that day. Read More…

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Passive Income: My First Niche Blog

As I wrote recently, I’ve been exploring ways to develop streams of passive income. One of my experiments is writing for eHow. Another is starting a niche blog.

For those that don’t know, niche blogging for income involves creating a blog on some topic, placing advertising on it, and earning money every time a visitor clicks one of the ads. There’s a lot to consider when developing a good niche blog. Choosing the right topic is very important, since the advertising will be related to the blog’s content, and I’d prefer a field in which advertisers pay a lot for clicks. Also, the niche has to be balanced between popular and unpopular – too popular and my content will be lost in a sea of other websites, too unpopular and I won’t have an audience. The trick is to choose a niche that’s juuuuust right. Read More…

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The Top Down Approach to Saving Money

Who doesn’t love to save money? For most of us, there are likely several ways to cut out or at least save a chunk on our expenses. And as I’ve written before, saving even a small amount from your monthly expenses can make a big difference in the portion of income you can save.

There are a whole host of ways to save on your expenses, and trying to utilize them all can be overwhelming without an organized approach. For those who are looking to revamp their expense budget or to start saving a little (or a lot) of money on their monthly expenses, I recommend taking it slow at first. Good money management is about discipline, and you should approach it as long-term personal development and a lifestyle change, one that will allow you to live a better lifestyle in the coming years.

With this in mind, I recommend what I call the Top Down Approach to trimming your monthly expenses. Read More…

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