Tag Archive for 'money'

A love button for the Internet

This is fun! Someone has figured out a way for people to send each other micropayments online. Useful when a “like” somehow isn’t enough.

It’s powered by BitCoin which is a strange virtual currency that can be exchanged into regular currencies like USD and EUR. The current rate is around 250 USD for 1 BTC so it’s more common to deal with fractions that are ingeniously called bits: 1 BTC = 1 000 000 bits.

ChangeTip is everywhere, or at least all the most common places where people meet online. I have no idea if this is going to be useful, but it sure looks fun! I’ve created an account for myself to check this out. Continue reading ‘A love button for the Internet’

Paying unexpected bills without stress

My wife and I maintain a family budget. Yes, we actually sit down once a month and talk about what we think our expenses might look like next month. There are various categories such as Clothing, Groceries, Mortgage, Fuel, etc. Some of these are pretty predictable: our Groceries expenses only vary 1-2% from month to month. Other categories are hard to predict, like Car repairs: We normally don’t know of any upcoming repairs being needed, but we expect that something will crop up eventually. So we have been putting a small amount into that every month.

This works well for us: A short while ago, some electronics started acting up and we knew: uh oh, this problem is going to cost a few hundred to fix. How fortunate that we have nearly a thousand set aside for things like this: we could just pay the bill without hesitation and without having to shuffle money around and without getting stressed about where to take it from! Continue reading ‘Paying unexpected bills without stress’

I discovered a 30-year-old bank account

When I was around nine years old, my parents opened the first back account in my name, seeded with money I received as a birthday present. That was, of course, a huge deal to me. My own bank account!

sparbuch-cover

And I had so much money, peaking at just over a hundred deutsche Mark! That’s around €50 or $57(US) in today’s world. This is a veritable fortune when you’re nine.
Continue reading ‘I discovered a 30-year-old bank account’

Spend less than you earn

The mantra to good finances is simply “spend less than you earn.” You want to increase the gap between income and expenses, obviously. The more you have left at the end of the month, the more you can save. How else are you going to get rich, right?

So how do we do this? You can earn more, or spend less, or both. Spending less is the simplest and gives you immediate results, so let’s take a look at some ideas.piggy-bank-accountant

Continue reading ‘Spend less than you earn’

Maybe not selling after all

Some who know me also know that I have a couple of very cool, very weird keyboards — Star Trek weird: They’re completely flat, have no moving parts, and have no keys! Except that they do have keys, but they are just printed on the surface. And they also act as a mouse and multi-touch gesture surface at the same time.

ST_hands_oblique Continue reading ‘Maybe not selling after all’