dustybooks.jpgLooking around my home I have expensive ways to collect dust. Old electronics, old toys, and a myriad of other things that I don’t use anymore have only done one thing in the last year; collected dust.

In the last few weeks I’ve declared war on my expensive dust collectors. All the old recording studio gear I never use any more…gone. The old books I haven’t read lately…gone. Anything of value that hasn’t been touched for a year…gone. Slow moving friends and pets…gone. There were some pangs of sorrow when I sold some items. But getting rid of clutter feels good. The house stays cleaner. There is extra cash in my wallet and for those with allergies getting rid of stuff can actually cut down on dust.

The top seven ways to get rid of junk

1 – Craigslist – Get a higher price by using pictures and don’t copy the manufacturer’s marketing text.
2 – Local Classified Ads – Most local newspapers have low rates or let you post for free
3 – eBay – While this isn’t the best option it can help you sell more specialized items
4 – Donate to library – Surprisingly our library rejected many of the books we tried to donate
5 – Donate to thrift stores – Some donations are eligible for a tax write-off
6 – Yard Sale – Our neighbors have a yearly yard sale so we donated to their things to sell
7 – Throw stuff away – This is a last resort but sometimes things just have to go

Do you have any other ways to get rid of junk? Leave a comment.

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In the past I touted not having to pay any phone bills. A big part of the strategy was using a VoIP service called the MagicJack. The MagicJack is a USB to phone jack converter that uses your Internet connection to make phone calls. After five months of service we’re switching to a different VoIP service.

MagicJack was a disappointment because:

  • 10% of the time it worked as advertised, with clear signal. The other 90% of the time we had terrible sound quality, it wouldn’t accept incoming calls, or it would send people to voicemail automatically.
  • We had to restart our computer each morning to have it work. Screensavers or extended downtime of the computer would regularly interrupt service.
  • Our friends and family thought we were avoiding them.
  • When I accidentally formatted the MagicJack I was forced to work with their customer service. The first hour we tried an array of troubleshooting techniques to get it working. Once we tried everything the service rep told me to restart my computer, router, and modem. After working with a few of these customer service people I found this was their way of telling you they didn’t want to work with you any more.
  • When I’d work with new people they would start over at the top of the trouble shooting list. I would ask them to read my past chat sessions but they were persistent on having me repeating all the steps I’d already taken. There are only so many times I can unplug and re-plug my MagicJack in my computer.
  • Customer service would wait 5 to 10 minutes between responses in a chat session. Talk about annoying.
  • After 3 1/2 hours working with their customer service they couldn’t fix the problem. Worse yet, they wouldn’t work with me on getting a replacement MagicJack. Instead, they wanted me to sign up for another year of service plus buy the hardware again. No credits for a free year or the ability to use my remaining contract time.


Summary

The idea of getting phone service all year for $20.00 is awesome. But using MagicJack for regular use isn’t a good idea. For occasional phone calls or international travel it could be a great solution. Part of me hopes MagicJacks sticks around because the idea is brilliant. When they get all their issues fixed maybe I’ll give them another try.

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If you like free legal music then this list is for you. Please leave a comment if you have more ideas.

Internet Radio on Steroids

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Thesixtyone.com features independent music, newly signed bands, and bands you might not hear on the radio. Sorry, no Backstreet Boys here.

Make a profile and try to rack up points by “bumping” good songs early, referring people, and listening to “the rack”. Thesixtyone.com encourages a lot of interaction between bands and listeners. Many of the bands give away their music for free and allow you to download as you listen. Others provide a link so you can buy it. To say the least thesixtyone is an indie music paradise.

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Deezer
With super simple sign up you’ll be listening to music in no time with Deezer. Create you own playlist or have Deezer suggest new songs based on songs you’ve suggested.

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Pandora will suggest new music based on their users listening habits. A huge database drives the listening experience. As you listen you teach Pandora about your tastes. It learns your unique preferences and makes new recommendations. It is scary how good Pandora is at picky music you like. It’s awesome.

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Tell musicovery your favorite genres and mood and it will do the rest. It has a playful interface you’ll love from the start. Yea! Bubbles!

Social Media Music

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imeem:
where artists, fans and friends share their tastes and discover blogs, photos, music and video.
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Last.fm connects you with your favorite music, and uses your unique taste to find
new music, people, and concerts you’ll like.

Do you have a great place to discover music on the web? Please leave a comment.

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Summary
The Total Money Makeover was written to dispel financial myths and outline a 7 step “money makeover” plan. Dave’s style is rough around the edges and he doesn’t tip-toe around issues. If you need a kick in your pants to start being financially responsible this is the book for you. The myths he dispels are important for those trapped in financial pit. The first few steps of the money makeover are right on.

Highlights

1 – Debt is carries high risk and makes you financially “flabby”
2 – A step-by-step guide is outlined to get on your feet
3 – Financial security comes from within, but so do the problems
4 – The grass under your feet will feel different when you own your home
5 – You must have “Gazelle Intensity” to survive
6 – Avoid car payments. Instead, save cash and buy a quality reliable used car, like a lot of millionaires do as they build wealth.
7 – Being in debt has been so deeply engrained into our culture some people face ridicule from those ‘disciples’ of debt. Debt is not a tool. Instead, the added risk will eliminate any short term gains.

Criticisms

1 – He reads the audio book himself. His voice can (sometimes) be a little annoying. He is a professional talk show host so it’s not that bad though.
2 – The last few steps in the money makeover are debatable (i.e. paying off the mortgage completely, investing solely in mutual funds). That’s not to say they aren’t good ideas, there just might be some alternatives that are better for some people. He presents them as hard fact when there are many options once a person has considerable cash and no debt.
3 – This is rookie friendly but doesn’t advocate becoming financially literate.

Closing Remarks

If you are struggling with debt this is the book for you! It has some great advice for getting your feet underneath you. He commends people that pay with cash (even for their homes) and advocates a debt free lifestyle. It’s a fun read and you’ll enjoy his unique way he discusses the issues.

Buy the The Total Money Makeover: A Proven Plan for Financial Fitness

If you’ve read the book please leave a comment, we’d love to hear from you.

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Bills come every month. Bills demand attention. Not paying bills will ruin your life. When you’re late paying a bill a late fee is assessed. We respect bills. So why don’t we respect ourselves as much as we respect our bills? Why don’t we have the same set of rules for bills that we have for ourselves?

The difference between being financially independent and being a financial slave is due to one thing: we make new bills instead of treating ourselves like a bill. When we graduate from college we buy a big house, a nice car, and eat at nice restaurants. We buy nice toys and new bills show up in our mailbox. The more money we make the more bills we create. The cycle continues until we can’t keep up, crisis strikes, or we wise up.

If you treated yourself like a bill you’d being doing pretty good. You’d be on your way to a great retirement. Your kids would have enough money to go to college. You’d likely be out of debt and you’d sleep better at night.

There are many ways to pay yourself like a bill. Setting up an online savings account or an online brokerage account is fast and easy. Making a goal and to max out a ROTH IRA is a great way to start. To do that you’ll need to automatically pay yourself $100 a week. Can you afford to pay yourself $400 a month for your retirement? If not, try killing off some bills and/or paying down debt. When a new shinny toy demands your money, tell it to go to hell because you’re paying yourself first.

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