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If you’re a new reader to Consumerism Commentary, you may have missed some articles from October in prior years. Here are a few from the past. From the first half of October 2006:

* Credit Score Question From a Reader
* My MBA at the University of Phoenix Online, Part 3.5: The Stadium
* Bought a Cheap DVD Player: RCA DRC200N
* Enhance Your Career By Consuming Alcohol
* The Blame Game: Poor Money Management, Part 1
* Review: The Bogleheads’ Guide to Investing: Asset Allocation
* 10 Examples of How You Can Be Penny Wise, Pound Foolish

From the first half of October 2005:

* End Traffic By Raising Prices
* Purchased a Bed
* HOWTO Purchase a Bed (Mattress and Box Spring)
* Financial Urban Myths

From the first half of October 2004:

* Don’t Stop Thinking About Tomorrow
* Honda Civic Has Best Gas-Mileage
* Financial Advisors and Predators

From the first half of October 2003:

* Financial Happiness
* Young Real Estate Tycoon

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Here’s a look at a small selection of the stuff I posted here in the first half of October over the last few years. If they’re new to you, read and leave some comments.

October 1-15, 2005
* Negotiating for Salary: Men vs. Women
* Staying Away from Fund Fees
* Kids Want the Darnedest Things
* Purchased a Bed and HOWTO Purchase a Mattress and Box Spring (that was a year ago already?)
* Outsourcing Your Entire Life
* Financial Urban Myths
* Saving With Low Income

October 1-15, 2004
* Honda Civic Hybrid Has Best Gas-Mileage

October 1-15, 2003
* Financial Update

In October 2003, my net worth was $15,000, and at the end of October 2004, my net worth was $23,349. At the end of October 2005, my net worth was $36,241 and today, I can forecast my October 2006 net worth to be $61,391.

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I’ve never been a good sleeper. Even as far back as high school, I remember lying in bed for hours before finally drifting off and having trouble getting out of bed in the morning. This continued for a long time. College wasn’t much better, and after college it was more of the same.

I’ve used a sound machine that generates relaxing noises, such as waves or running water, and I’ve tried a sweet-smelling pillow spray. Neither of those helped.

Friends recommended melatonin. I never tried that, but I did move everything out of my bedroom except the bed. The bedroom became a room for nothing but sleep. That helped for a little while but it still wasn’t perfect.

I purchased a bed last year, and that did wonders for my sleep habits, although they are still not perfect.

Although that required spending a good (but not outrageous) amount of money, I haven’t forgotten about trying to improve my sleep further without spending much money. This article from MSN Money, has suggestions for inexpensively achieving better sleep. Their suggestions beat buying various pillows, comforters, “supplements,” and therapy, but all of the above can be helpful.

Here are the first five tips.

1. Eliminate all caffeine, chocolate and other stimulating substances in the afternoon and evening. Check with a pharmacist to make sure none of your prescription drugs are keeping you awake. Don’t drink alcohol or smoke cigarettes before going to bed.

I have heard that drinking a glass of red wine before bed will help you sleep, but this piece of advice is contrary. I would imagine drinking anything will likely activate your bladder and lead to uncomfortable sleep or waking up in the middle of the night.

2. Exercise regularly, but not within two hours of bedtime.

Excerise gets the heart racing and the blood pumping. This is better suited as a morning activity. If I could get better sleep, I could wake up earlier and get exercise. That’s one of my personal goals for the year.

3. Don’t watch loud, suspenseful television shows or troubling news reports before bed. Read a book, take a warm bath or have a glass of warm milk.

Relax your mind. Don’t go to sleep right after watching Jack Bauer blow up lots of stuff or crash planes.

4. Maintain a consistent sleep schedule. Go to bed and wake up at the same time every day. Eliminate naps.

The Sunday nap leads to sleep problems on Monday morning and Tuesday night for me. There’s not enough time during the week to even consider napping. Sometimes, after an exhausting week, I try to name a nap when I arrive home from work on Friday, but that has always turned into more of a mess.

5. Go to bed only when sleepy. Get up if you can’t fall asleep within 15 to 20 minutes.

This is a tip I picked up many years ago. The idea is to get used to getting in bed only when you’re absolutely ready to fall asleep. This works. I try to make it into my bed only when I’m sure I’m going to fall asleep within 15 minutes.

Those were the first five suggestions. For the remainder, read part 2 of this two-part series.

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Last year, I purchased a mattress and box spring and soon after I wrote about the entire process. Today, Slate published a commentary about cutting through the marketing gimmicks and making a smart mattress purchase.

After reading the article, I still feel confident I made the right decision. After four months with the new mattress, my sleep has greatly improved. That’s all that matters to me. The price was also pretty good. I don’t feel a penny was wasted, as long as I don’t consider the fact that all mattresses are overpriced. Speaking relatively, I’m happy with the deal I got.

The article at Slate is a good introduction to shopping for a mattress and helps the new shopper cut through the heaps of BS the salespeople will try to feed you.

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Best Of 2005

by Flexo

As the year is coming to a close, and I will be less available over the next few days, the opportunity is perfect for taking a look at Consumerism Commentary and compiling a list of “best” (or most popular) entries from the year. This will be the 570th entry in 2005, but only a few ... Continue reading this article…

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Balance Sheet and Income Statement, November 2005

by Flexo

It’s that time again. Time to own up to the facts and share my detailed financial position with the world. Continue reading this post to see if this has been a good month or a not-quite-as-good month. First my net worth, then my income and expenses.

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Balance Sheet and Income Statement, October 2005

by Flexo

If you continue reading, you’ll see my balance sheet and income statement for the end of October, 2005. Progress has been slow this month. Some comments about my balances are below the chart.

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Saving With Low Income

by Flexo

MP Dunleavey gives her readers 19 ways to save when income is not quite as high as would be comfortable. The tips are practical and can be applied to just about anyone for whom saving more money is a goal, regardless of income. Here are some of her suggestions, submitted by readers: * Stash a ... Continue reading this article…

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