The Simple Dollar Time Machine: July 24, 2010

Many newer readers of The Simple Dollar haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, two years ago this week, and three years ago this week. I call it … the Time Machine.

One Year Ago (July 18 – July 24, 2009)
Ten Unusual Ways to Improve Your Appearance of Confidence That Really Work I often use these tactics in social situations where I don’t really have my bearings. They really, really help me.

Over-Saving for Retirement? Yes, you can over-save for retirement. It’s an unusual situation, especially considering that many people under-save for retirement.

To Close or To Not Close a Paid-Off Credit Card? The answer isn’t as immediate and straightforward as you might think it is.

Resetting the Scale Lifestyle inflation can be an incredibly expensive problem if you let it get out of control. The best solution is simple: reset the scale.

The Cost of Free There is no such thing as a free lunch. Someone is paying for it somewhere. It might be you (in a way you don’t even see).

Two Years Ago (July 18 – July 24, 2008)
Nine Ways the Status Quo Bias Is Costing You Money – And How to Turn That Ship Around We have a strong human tendency to keep things the same. The problem is that tendency often costs us a ton of money.

Lifestyle Choices as a Hedge Against Inflation If you’re stressed out about inflation’s possibilities, the best thing you can do is become as self-sufficient as possible so that the rise of inflation doesn’t hurt as badly.

Why I’m Not Panicking – And You Shouldn’t, Either I wrote this early in the ’08 financial meltdown and I still stick by it. Panic does nothing good.

Shared Dreams: How My Wife and I Got on the Same Financial Page The key? Constant conversation. Honesty. Not being afraid to criticize each other – and harshly, at times. Understanding that we’re both human.

Reflections on Abandoning the 9 to 5, Four Months In I really should update this post sometime in the near future. Some of this stuff holds, but two years in, my perspectives have changed.

Three Years Ago (July 18 – July 24, 2007)
Dealing With Those Piles Of Old Baseball Cards In Your Closet Unfortunately, there’s about a 90% chance of those cards not being worth the cardboard they’re printed on.

How To Set Up Multiple Savings Account Funds Within ING This is exactly how I save for different specific goals. I just set up a new account for each one.

Going Into Debt To Invest Money? This is almost always a terrible idea unless you’re getting debt at such a low interest rate that you can put it away risk free and make a profit.

Does Tiredness Make You More Susceptible To Unnecessary Spending? Yes. In other words, get a good night’s sleep before you make buying decisions.

Renting to Get Richer? It’s certainly possible. It depends heavily on the specifics of your local housing market.

If you’d like to browse through more of the archives, visit the chronology, where all posts are listed in chronological order.

Ten Ways to Get More out of The Simple DollarUpdated!
This is kind of a FAQ for new readers and is posted each week along with the Time Machine. Here are ten great ways for new readers to dig deeper into The Simple Dollar.

1. Subscribe by email or RSS. Visiting The Simple Dollar’s website is great, but for many people, it’s more convenient to receive the articles in another form. It’s easy to join 60,000 other subscribers and get The Simple Dollar’s content by email or in your RSS feeder (if you’re unfamiliar with RSS, check out Google Reader.

2. Comment. Each article on The Simple Dollar has lively discussion. Just click on the green square in the upper right of each article on the website and join in!

3. Become a fan of The Simple Dollar on Facebook. I put up questions and other materials about once every week or two on Facebook (so you won’t be flooded with Simple Dollar updates). Join in the conversation with other Simple Dollar fans and occasionally get some interesting freebies, too.

4. Follow me on Twitter. I post interesting articles, quotes, follow-up material, commentary, and other material on Twitter. Follow me! If you’re unfamiliar with Twitter, it’s essentially an open discussion forum for people to share ideas and thoughts with other like-minded folks – you just choose the people you want to listen to and their ideas and thoughts are all delivered to you on a single page.

5. Read my story of financial meltdown and recovery. The Simple Dollar isn’t based on what I’ve read in books or learned in school. I’ve made a lifetime of financial mistakes – The Simple Dollar is a record of what works for me during the process of getting my life on a better track.

6. Download my free 49 page e-book. Everything You Ever Really Needed to Know About Personal Finance On Just One Page is completely free. It summarizes all of the key lessons I’ve learned along the way about personal finance in one tidy package – in fact, all of the main principles can be found right on the cover.

7. Dig through “31 Days to Fix Your Finances.” 31 Days to Fix Your Finances is an article series that outlines how you can get a grip on your finances over the course of a month.

8. Send me your questions and suggestions. Send me an email and let me know what you’re thinking, what you’d like to see, and any questions you might have. I try to respond to as many emails as possible and I read them all. I may even use your question in a future article!

9. Become a “Friend of The Simple Dollar.” If you find the stuff on The Simple Dollar valuable and are willing to spend five minutes or so a month to help me out with small things, please consider signing up to be a “Friend of The Simple Dollar”.

10. Email a great article you find to a friend. Find an article that you think your friend would love? At the bottom of each article, you’ll find a link that says “Email this” – just click on that, type in your friend’s address, and send it right along to them!

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