This week's Carnival of Personal Finance was hosted at the home of the Carnival. My favorite entry was by The Mighty Bargain Hunter. The post was titled: Are money-saving tips unhelpful to people who really need them? The reason I enjoyed this post is because it rings true for me. I am living at the most frugal level possible. I'm not kidding.
For me, writing a personal finance blog is quite humorous and ironic in many ways. I have come across trolls in the blogoshpere that have said some nasty things. I find it quite funny that I have been criticized for posts that I have been praised for by single moms that are desperately trying to make ends meet. See, it's kind of funny to read a post about personal finance, where the tip is saving a few thousand dollars by firing the help. (You know who you are and I don't mean to offend you.) Unfortunately, that's not where I am. I'm struggling to meet the needs of my family mainly: food, shelter, clothing. My expenses are down to the basics. They include transportation, food and clothing when I can spare the money. Right now, two of my kids need braces, two need galsses and three nedd coats. The credit card bills are something that I try to keep up with. I have a few cards that I couldn't keep up with. That'a a whole other mess I will have to deal with, eventually. Basically, I blog about where I am at today. What are those things?
When I started this blog, I made it clear that I was going to find every way that one can make money online. I sign up for the sites, test them out and have even posted evidence of the payments received. Many people have tried them and had great results.
Home Based Businesses
I have two home based businesses and one online business. I have mentioned two before. It is an alternate means to earn money to reduce my debt and meet our needs.
I have mentioned one in particular several times. It is great when making purchases at a certain store.
Frugality, Coupons and Freebies
Another way to reach debt reduction.
Basically, I can only write about where I am or where I have been. I've been in real economic crisis in the past. Last year, I couldn't even buy gifts for the kids. I simply didn't have the money. Gratefully, I have been blessed with a great family. I can tell you that the email that was sent by this man to MSN money rings true for many. Although today I don't have the money to invest, I read the posts anyway. There will be someday soon, where it will be a possibility. When it is, I want to be as informed as possible.