Mighty Bargain Hunter

I enjoy talking about saving money, finding deals, living frugally, making money, and investing, in addition to talking about current events in the financial world, online and offline. I’ve published articles at this domain name since 2004 and have been blogging since May, 2005.

I also started and manage the Carnival of Debt Reduction, a weekly blog carnival that highlights posts on getting out of debt. Personal debt reduction progress reports and posts about reducing debt are what this carnival is all about!

Latest Posts from Mighty Bargain Hunter (page 39)

When does it make sense to refinance your mortgage?

The rates on 30-year, fixed rate mortgages hit historic lows this past week — 4.57% according to Freddie Mac’s data collection.  These low rates may provide a rare opportunity for saving a substantial amount of money through mortgage refinancing.  The essence of mortgage refinancing is just paying off a current mortgage with a new mortgage, presumably with a lower payment, shorter […]

Here’s a crystal-clear signal that you can’t afford to eat out

A friend recently took a job as a restaurant server to stop a mercifully-brief bout with unemployment.  He’s a quick study: after only a week his tips are averaging 20% and only one server is doing better.  Not a poor server by any stretch. A few days ago comes this little gem in his updates: “I got an 18 cent tip today!” Not 18%.  Eighteen cents, as in a dime, a nickel, and three […]

Rewards giveth, and rewards taketh away

Customer reward programs go by a number of different names: customer loyalty programs, frequent flier programs, shoppers’ club, and so forth.  In exchange for some of your personal information and the ability to laser-target their advertising to you by tracking your purchases, you get discounts or rebates on your purchases. Maybe it’s just my opinion, but haven’t rewards programs […]

Comparing fixed-rate and adjustable-rate mortgages

The majority of Americans are homeowners, and many of them carry mortgages for much of their adult lives, if not all of it.  A mortgage is a loan that has a house as collateral, and it’s usually the biggest loan a family will take out. In this post, I’ll describe and compare two kinds of mortgages:  fixed-rate mortgages and adjustable-rate mortgages.  Hopefully this will help you […]

Review of Gregory Karp’s The 1-2-3 Money Plan

(Thanks to Suburban Dollar for including this post in the Carnival of Personal Finance!) Well, my Bargaineering Bucks were burning a virtual hole in my electronic pseudo bank account, so I bid on Gregory Karp’s The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart, and won the auction. I was impressed with the book.  It covers a broad variety of finan […]

So what about Italian gold?

Commenter Marlene on my post on how to value gold jewelry asked this: Is 14k Italian gold different in price than gold in the USA? The answer depends on which gold price we’re talking about. On the one hand, there is the retail price of the gold jewelry.  This is what you’d pay at a jewelry store, secondhand store, or pawn shop.  I’m by no means an expert on Italian-made gold jewe […]

Getting in at the end of yard sales isn’t all bad

This weekend we went to a yard sale at the YMCA.  The yard sale was an event to raise money for the Kids’ Spot; people wanting to sell stuff bought a spot within the event, and this money went toward Kids’ Spot. Amongst a bunch of other things we had demanding our attention, we got the ending time of the sale wrong.  We had thought that we would have an hour or so at the sale, but […]

To smartphone or not to smartphone?

My cell phone is on its last legs.  I have to insert the phone very carefully into the charger now, or else it won’t charge up.  For the nine (or so) years I’ve used a cell phone I haven’t upgraded as soon as my provider would allow me to. I did feel a little bit of urgency to upgrade to some kind of smartphone (either an iPhone or an Android) when I heard that my carrier soon was […]

One of my favorite four-letter words

Earlier today I was walking around our subdivision with my family.  Once around is about 0.6 miles, so it’s at least a little bit of exercise for me. We had walked only a few houses down the first bend when we saw a gas grill and a patio furniture set lined up at the curb. With a cardboard sign duct-taped to the table that said “FREE.” Man, I love that word! The grill was in prett […]

V from Violent Acres and I might have something in common

Totally on a lark I visited the blog Violent Acres after staying away for a long time. The points that “V” makes in her posts are frequently flashes of brilliance, despite all of the cursing. […]