The age old question . . . well, since the internet came around.  Do prefer to go to the bookstore and actually feel the books, or does the convenience of online shopping distract you?

I LOVE books, and I love bookstores.  I can spend hours at Barnes and Noble.  However, I often walk out with about four times the number of books I told myself I could have, so it’s a place I try not to go to often.

Amazon.com, on the other hand, is probably my favorite website.  I can always find great deals, I’m a member of Amazon Prime so, I get things with free 2 day shipping (WELL worth the $75/year), and I have an Amazon.com credit card, so for every $1 I spend I get s free penny to Amazon.com - and since I use my credit card for EVERYTHING, it doesn’t take long until I’m getting free $25 for Amazon.com!

So, I tend to go both ways.  Which way do you prefer?

This post is for the Day of Blogs 2008! I am blogging for Children’s Literacy Initiative. For more information about what I am doing, please click here, or you can sponsor me!

Wow, it really has been a while since I did a WFMW! I thought I’d jump back in with this week’s theme - the “Brand Loyal Edition.” We’re supposed to post about what brands/products we can’t live without. So, here are a few of my favorites!

Starbucks - there’s a reason I love my job. Not only do they make quality products, but they are becoming more socially responsible and they are an AWESOME company to work for (that is not marketing hype - all the rumors you hear about them being a great employer are true).

E. Webscapes - there’s a reason I love my other job too, LOL! I was a very loyal customer for E. Webscapes before I joined them this past spring, and now that I get to work for them every day I see just how much hard work and personal care goes into each design project. Most definitely worth the money!!!

WordPress - it is so freakin’ versatile! If you haven’t experimented with WordPress as a blogging platform (or just a site management too) I SERIOUSLY recommend that you do so. I’ve tried many different platforms, and WP by far outshines them all. You can do so many things with it, and it is super crazy user-friendly. I have 2 blogs run on it, plus I’ve set up blogs for 4 or 5 friends on WP as well. And they are people who don’t know HTML from PHP from voodoo . . . and they love using WP.

Bookcrossing - this site has revolutionized the way that I think about books. I was always taught to hold on to your books since they are such a precious item. I still have great respect from books, and if a book holds special meaning for me or if I REALLY enjoyed it, I will still hold onto it. However, I’ve also learned the joy of sharing books. It’s so awesome to read journal entries as your books travel around and are enjoyed by countless others. And, if that’s not enough incentive, think about how many trees you could save by not printing new books!

Amazon.com - speaking of books, LOL! Amazon is almost ALWAYS my first stop when I’m buying something new. The prices are almost always the cheapest (plus, within 30 days if the price changes you can get back the money you would have saved by using Price Protectr), the reviews are EXTREMELY helpful, and if you join Amazon Prime you get EVERYTHING with free 2 day shipping (yes, there is an upfront fee, but I’ve found that I save way more than that by not paying for shipping or having to bump my order up to $25 for free shipping, and there is the benefit of not waiting a week). I even applied for the Amazon.com credit card, and I use that as my primary card. I get 1 point for every dollar I spend, and once I get to 2,500 points, I get a $25 gift certificate to Amazon.com! Since I keep track of my spending like a debit card, it’s not rare for me to see one of these almost every month. AWESOME. Books? Check! DVDs? Check! Canvas grocery bags? Check! New external hard drive? Check! All things I’ve bought (for less) on Amazon.com!

Finding awesome brands that I trust and have proven themselves to me time and again? Works for me!

Thirteen Things about PERSONAL FINANCE

I’ve been working on my personal finance situation a lot lately! Here are several tools and tips that I’ve come to depend on!

1. PearBudget: I know I’ve talked about this before, but I just have to put one more plug in. Everyone needs a budget, at least when they’re first getting started with personal finance management, and PearBudget is a great program that is free, super easy, and will keep you using it! I’ve been on it for more than 2 months now, which is a HUGE achievement, LOL!

2. Next, you need a way to keep up with your accounts. There’s the old paper and pencil checkbook ledger, but we’re on our computers for everything else, why not managing our finances! I’ve used both Microsoft Money and Quicken Personal Finance, and they are both great tools!

3. Almost any personal finance site that you read tells you that you need to have an emergency savings fund, just in case something happens like you have to go to the hospital, or you get laid off. The amount that goes in this fund varies - a great place to start is $1000, and many sites recommend you keep 3-6 months worth of living expenses. The most common complaint: I can’t afford to put money into an emergency savings fund! The most common reply: You can’t afford NOT to do this. I’ve got 2 that I’m working on right now. My immediate emergency savings fund is through my bank, and I’m currently building a long-term (the 3-6 months one) emergency savings fund in a high-interest savings account. The immediate one is in case I need the money RIGHT NOW - I can get it from an ATM. The long-term one is accessible within a few days, and it will grow because of the interest! Free money!

4. High-interest savings account? How do I get one of those? I’m currently setting up accounts through ING Direct, and I’m LOVING it so far. The interest rate is 4.4% - how crazy is that?! Accounts like these are run through the internet - there is no physical bank, and you don’t get checks. They’re just savings accounts. There are many other financial institutions, but ING allows you to set up sub accounts, which is too cool! I have sub-accounts for my emergency fund, travel fund, medical expenses fund, etc. And all are gonna earn 4.4% interest!

5. I Will Teach You To Be Rich - I’ve blogged about it before, but again, I have to mention it. There are so many different concepts, ideas, and terms that I am so clueless on, and this site explains them in a simple, no nonsense way that will make things clear! Amazing.

6. Don’t want to wade through all the personal finance sites? Then just get the goodies through the Carnival of Personal Finance every week! You’ll find topics about EVERYTHING, and there are three or four sites that I’ve found through reading the carnival that I’ve stuck with.

7. Get an Entertainment Book. They only cost about $20, but there are hundreds (probably thousands) of great coupons and savings in the book. Well worth the money spent!

8. Invest. There are many different kinds of investments (see my #5, he explains them all), but make sure that you are investing. The type of fund that I keep seeing more and more recommendations for is a Roth IRA, which I am still learning about. It involves investing your money and paying the taxes now, and then when you withdraw it, it will be tax-free (no matter how much more taxes are at the time).

9. Another great way to invest - the stock market. Ahhh, don’t be scared. If you read up on what to do, and find a great place to invest with, then you’ll do fine. And the place I’ve seen mentioned over and over again is ShareBuilder. As soon as I start to receive a regular income (aka, when I get out of grad school), I will be investing with ShareBuilder - the fees aren’t bad, and they’re not gonna try to trip you up because you have no idea what you’re doing.

10. Shop at discount stores and buy in bulk! You’ll be amazed at how much you can save at places like Costco and Sam’s Club! However, be wary . . . pay attention to the costs, and divide by how many you’re getting. Are you really saving? Discount stores can be great as long as you play it smart!

11. Take advantage of websites that offer promotions. For example: you need to buy a book for your Bible study in two weeks, and there was a CD you were wanting to get. You could go to Barnes and Noble or Borders that is right by your house . . . or you could go online and get them from Amazon.com for cheaper. And if you spend $25, it’s free shipping, so it’s like you bought it in person. You just have to wait a few days. So why not go for the discount? Or, even better! Do you buy books/DVDs/CDs/software/toys/groceries a lot? Do you shop on Amazon.com A LOT?! Then become a prime member. For a reasonable fee you get free 2 day shipping and significantly discounted overnight shipping. I was offered a free 3 month trial, and I loved it so much that I paid the fee. Now I NEVER buy these things from expensive stores in person! Click here for details!!!

12. Cook at home - don’t eat out, don’t go to fast food restaurants. I’ve been experimenting with my spending lately, and it’s AMAZING how much I’ve saved in food costs!

13. Want a great new opportunity to save HUGE on virtually anything you can buy online? I’m an IBO member, and we sell everything - we have our own product lines as well as partnerships for huge discounts on stores like Barnes and Noble, Office Depot, Dell, Things Remembered, Shop.com, Joann’s Fabrics, and SOOOOO many more! We run the business through Quixtar. The discounts alone are worth it, but if you’re a member, you get a check back based on your purchases and the purchases of your customers. Take a look, and if you’re interested in buying something, let me know! I can set you up as a client with ZERO obligation. Or, if you want to take a great opportunity and are interested in making some money, let me know, and we’ll discuss!

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