guardians of the galaxy Guardians of the Galaxy and other PF topics.I had a blast watching “Guardians of the Galaxy,” so much so that I later took my great-nephews to see it – a second viewing for all of us. That time, though, I went with an eye toward superheroic money lessons.

Hey, if I can do it for “Parsifal,” “Godzilla” and “Gotterdammerung,” surely I can do it for comic-book heroes.

8 personal finance tips from ‘Guardians of the Galaxy’” ran recently over at my day job, Money Talks News. Among them: “Classics endure,” “Good sense trumps sentiment (or should)” and “Judge performance, not appearance.”

Show me another job that lets you charge your movie ticket as a business expense. Other than movie reviewer, that is.


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Things I no longer buy.

th4 150x150 Things I no longer buy.Last year I voluntarily downsized my salary, i.e., I decided not to rush to replace all the income lost when MSN Money kicked all its writers to the virtual curb.

Since then I’ve had to make some very conscious choices about what – and whether – to buy. Less money = fewer expenditures.

News flash, right? But what surprises me isn’t that I’m spending less. It’s that I don’t miss any of those things very much.


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th11 150x150 School shopping and other topics.Haven’t started your back-to-school shopping yet? You’re not alone.

According to the National Retail Federation, 44.5% of parents will shop from three to four weeks before school starts. Another 25.4% will wait until one or two weeks before the first day of classes.

Despite the rising cost of basics like food, fuel and utilities, we will be shopping. That NRF survey indicates that combined K-12 and college spending will reach just under $75 billion in the United States this year.

However, we’ll be pickier about how and where we buy. For example:


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th4 150x150 Swimsuits, gleaning and Christmas in July.For women, there are two kinds of bathing suits: the kind you promenade in and the kind won’t fall off when you dive into a pool/get hit by a wave.

The latter actually happened to me when I was a young teen, down at the Jersey Shore. Luckily my feet were planted in the sand so the suit bottom didn’t have a chance to float off, but for a few very anxious seconds I felt like the little girl at the end of this old Coppertone ad:

July is the best time for discounts on both bathing suits and summer clothing, according to a merchandising specialist at Retail Me Not. Tips for finding good deals on such can be found in my current post at RMN’s The Real Deal, “What to buy in July: Celebrate the best of summer, right in your own backyard.”


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th 8 pointed questions to ask before you buy.A comment on a Get Rich Slowly article got my attention today. In “Four ways to make money with your old junk,” a woman posting as Winterlady noted one of the tactics she uses to prevent overbuying:

“I hold the item and think ‘How quickly will I want to garage-sale this?’”

Having seen more than a few like-new or still-in-the-shrink-wrap items at yard sales, I expect her comment is not particularly flippant.

I also liked another thing she said: “It is easier to control the purchases than figure out how to dispose of them.”

This.

I’m a big fan of informed consumerism, i.e., of asking the right questions before you decide to buy something. In a post on Wise Bread, I described the queries along the lines of, “Do I really need it? Do I already have something like it? Is there a way to get it for free? If not, what’s the most affordable way to get it?”

Yet even after applying this frugal filter, you sometimes just waaaaant something – right now. That’s when you ask yourself a question like the one cited by Winterlady.

I’ve got a few more to add. They’re not all questions as such, but they should encourage a little self-interrogation.


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