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The Best Back-to-School Shopping Tips

by Flexo
Back to School

The best way to get the most for your money when shopping for school supplies is to start early. While there are some good deals and good sales during the summer before the school year starts, you can only take advantage of them if you’re prepared. Some deals aren’t ask great as they’re advertised to ... Continue reading this article…

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Personal Balance Sheet, July 2011 ($380,209, +0.2%)

by Flexo

Before getting into my monthly financial reports, I wanted to take a moment to mention that The Second Annual Plutus Awards are now underway. The purpose of the Plutus Awards is to bring more public attention to personal finance blogs. While the community of blogs and their authors help move the industry forward by commenting ... Continue reading this article…

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Pay Down Debt or Build an Emergency Fund?

by Flexo
San Diego

Although I’m not a financial professional and I don’t normally give advice, I’m relatively comfortable offering some opinions when it comes to strategy. A reader presented this question to me recently. I’m open to answering questions as long as the answers don’t involve giving stock picks or legal advice. My wife and I recently moved ... Continue reading this article…

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Personal Balance Sheet, June 2011 ($379,354, +1.4%)

by Flexo
Net Worth Balance Sheet, June 2011

Happy Independence Day to all Consumerism Commentary readers in the United States! I’m celebrating my financial independence, as I do every month, with my regular net worth updates. These monthly reports have been a mainstay of Consumerism Commentary, with only a few lapses early on in the history of this website. For the most part, ... Continue reading this article…

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Citi Simplicity Card Review

by Flexo

The most popular feedback I receive when reviewing cards pertains to fees. Most users seem to be allergic to annual fees, balance transfer fees, and others, regardless of the quality of the rewards program or bonus offer. Even when the rewards overshadow the fees, consumers shy away. I do believe you shouldn’t pay any fee ... Continue reading this article…

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7 Tips for Using Student Credit Cards

by Flexo

If you’ve just received your first student credit card, congratulations. Perhaps you’ve used pre-paid debit cards in the past, or maybe this is your first time with plastic. Credit cards are just tools for spending the money that you do have, and are not inherently good or evil. If you use them well, they will ... Continue reading this article…

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Personal Balance Sheet, May 2011 ($844,136, +9.6%)

by Flexo
Net Worth Balance Sheet, May 2011

Over the past few days, I considered making some drastic changes to the way I report my finances at the end of each month. I’ve been trying to decide whether it makes more sense to separate my business accounts from this report and report the numbers separately as I did a few years ago, remove ... Continue reading this article…

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Win $50 For Gas Fill-Ups Plus $50 For Amazon.com

by Flexo

It’s another week in May, so it’s the start of another week of giveaways. This month, Consumerism Commentary has embarked on a project I am calling Giveaway May. Every weekday, I will be giving away at least a $50 gift card, and most days I will have a partner or sponsor to help enhance the ... Continue reading this article…

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