A Quick Welcome!
Author: Anna Newell Jones

anna newell jones on clark howard

Welcome to those of you who have found your way here via the Clark Howard show. Glad to have you!


in Press & Interviews
This Doesn’t Have Anything To Do With Anything
Author: Anna Newell Jones


in Just For Fun
Feelings, Oh Feelings.
Author: Anna Newell Jones

The National Bureau of Economic Research said (in October of 2010) that the Recession actually ended in June of 2009. TWO WHOLE YEARS AGO! This came as quite a surprise to a lot of people (me being one of them) since it seems that we are hearing almost daily about the unemployment rates and the effects of the slow economy.

However, it seems as though 78% of Americans have actually changed their spending habits for the better (!) because of the recession.

I find it particularly neat that most of the spending habits were considered “changed for the better” because of an overall reduction of personal spending.

Not necessarily an elimination but a reduction. That makes it sound SO doable. Cause, it is.

So what do YOU think? Is the recession over? How has  it affected YOUR life? What are your thoughts on this diagram? Love it? Hate it? Think it’s totally wrong or totally right? Tell me all about it.

click above image for a larger view & then click magnifying glass to have it large enough to read 

one comment

in Unemployment
Bringing Home The Bacon, Cheddar and/or Bones
Author: Anna Newell Jones

Jack Spade makes these great money clips.

They are clever and quite awesome.



in Just For Fun, Money
Life is Short. Don’t Get Caught Up in Things.
Author: Anna Newell Jones

“Life is short. Do what you love. Don’t get caught up in things. Value people, not material objects. Love deeply, love fully, have no regrets.” – Derek Miller


in Do Without, Motivation
Gettin’ Guesty with Jim Rodriguez
Author: Anna Newell Jones

We have got a real estate agent this week as our Gettin’ Guesty guest and well, with a dashing smile and major selling/marketing skills this fellow is a winning combo. Yes, he is.

Please help me welcome:

Jim Rodriguez

(Here’s his site.)

I really wanted to talk to a real estate agent because I’ve heard about using real estate as an investment tool and I wanted to hear from an expert some thoughts on the subject. Really, I wasn’t sure what questions to ask and my goal was to get a basic understanding of the thoughts behind this investment option. You know how sometimes you have to ask some questions to even know what the next questions should be? That’s what happened here.

Also, I should probably say this isn’t a paid ad or anything, I could see someone thinking that so just letting you know I asked Jim to be a part of And Then We Saved simply because I think he’s pretty great.

Some Q and A’s with Mr. Jim Rodriguez.

And Then We Saved: How long have you been in the real estate business?

Jim Rodriguez: 6 years as a broker, prior to that I was a builder and an investor.

ATWS: What are your thoughts on real estate as an investment?

JR: It is an excellent investment. Though, it is important that individual and realistic goals be addressed specifically to the investor.

ATWS: Where should someone start if they are considering real estate as an investment?

JR: It really depends on what the end game is. Is it creating income? Purchasing a primary home for the purpose of creating equity? Or buying peal estate for the purpose of quick improvement and resale? These are all things to think about and ask yourself.

before and after images of a “flipped” house

ATWS: Do you think investing in real estate is a good idea or a bad idea and why?

JR: It is a good idea if it is properly thought out.

ATWS: Do you think now is a good time to invest in real estate?

JR: Absolutely

ATWS: How does someone break into the real estate investment business?

JR: Define the goals them obtain professional assistance to meet those goals.

ATWS: How does someone finance the purchase of investment properties?

JR: Same as they would finance the investment of a primary home. Banks and lending institutions offer loans with specific criteria that must be met. Some investors use “hard money” lenders that generally loan money at higher rates.

ATWS: How is a property evaluated to determine if it is a good investment property?

JR: It has to be evaluated based on what the ultimate goal of the investment is. Quick return? Cash flow? Short, mid, or long term?

ATWS: What is the state of the real estate in the US? Is it looking up or down?

JR: Real estate value is determined by the law of supply and demand, and is always reflective of what is happening at a local level.

ATWS: What are the best and worst real estate investments you have seen?

JR: The best was a client who recently purchased vacant land in LoHi and sold it a week later for 27% more than he paid for it. The worst investments are the many builders who acquired land in 2007-2009 at high prices and found those values greatly reduced in subsequent years.

ATWS: A long running debate is: “Is it better to rent or buy?” What are your thoughts on this controversial debate and why?

JR: Depends on where you are… personally and geographically. Rentals provide: “no risk”, no maintenance and it’s easy to move from the residence. However, rentals also provide: no tax break, no opportunity to improve or increase equity, generally tighter living quarters, and they restrict your creative and aesthetic input into your residence.

Jim Rodriguez ● THANK YOU ● for being a part of And Then We Saved!

If you would like to be considered as a contributor for Gettin’ Guesty send me an email at: Hello@AndThenWeSaved.com


in Good vs. Bad Debt, Guest Interviews, Investing
15 Facts About Income Inequality That Everyone Should Know
Author: Anna Newell Jones

This “15 Facts About U.S. Income Inequality That Everyone Should Know” is from a study that was conducted by The Standford Center for the Study of Poverty and Inequality Mission.

Very interesting indeed.

What are your thoughts on this? Agree? Disagree?

click on the above image for a larger view & then click the magnifying glass

Click here for the full article.


in Career & Work
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

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