Moving Truck

Penske is now my first choice in moving trucks. Credit Crashmaster007.

I have been a lifelong user of U-Haul for moving trucks, but now I am switching allegiances. After a friend recommended Penske and I saw dozens of yellow Penske trucks on my 1,400 mile road trip, I decided to investigate Penske for our upcoming cross state move.

I am now convinced that Penske is a better choice for long distance moving over the traditional U-Haul, so I’ve added Penske to my Tips for Moving list and given several reasons why Penske trumps Uhaul.

5 Reasons Why Penske is Better than U-Haul for Long Moves

1. Newer Trucks- Penske replaces nearly half of their self move fleet a year, so you’re guaranteed a truck with low miles and high quality condition. The truck I drove had only 56,000 miles. U-haul trucks are traditionally older and in less than desired condition.

2. Unlimited Miles- With Penske you don’t have to worry about milage on one way moves. With U-haul there is the stress of being penalized for every mile driven over the allotted miles given. This can easily happen by taking a wrong turn or using an alternate route due to bad weather.

3. 7 Day Rental- 7 day rental gives extra time for packing, driving, and unloading. The extra time is a big plus for a long move. U-haul allows only 5 days.

4. Comparable Price or Cheaper than U-Haul- With Penske the price is comparable or cheaper than U-haul depending on which state you are traveling from and what state the truck will be dropped off in. Penske gives a discount for AAA members, military, and students too!

5. Guaranteed Truck Rentals at quoted prices- No fear that your truck or trailer won’t be on site or that you’ll be charged more. U-haul only guarantees your truck on site if you reserve it within 48 hours and has a history of overbooking and thus overcharging above the quoted price.

6. Great Customer Service I had to add another. A few days before my move date, I received a phone call to ensure my order was correct and to inquire if I had any questions. At my Penske pickup and drop off locations I had enthusiastic customer service and both reps had positive views about the company.

Penske is also Business Friendly with a large commercial fleet of vans, semis, and trucks.

Based on my experience and the large numbers of Penske moving trucks and semis on the road, I believe Penske has quietly overtaken Uhaul as the go to company for long DIY moves.

Consider Penske for your next out of state moving van rental needs.

Have you used either Penske or U-haul? I’d love to hear about your experience in the comments below!

www.ontargetcoach.com

Photo Credit: Leo Reynolds via Compfight cc

This last month we missed out monthly budget party. I figured we have budged for 81 straight months! Pretty good streak if you ask me; comparable to the Harlem Globetrotters 2,495 straight wins over Washington Generals. (32 other famous sports streaks)

It was a time of flux, transition, and [insert excuse here]. So my wife and I failed to have our monthly pow-wow over how we’ll spend our money and guess what…it didn’t matter that much.

6 Years of Budgeting and Marriage

A funny thing happens after 81 months of marriage and learning how to communicate about money–namely you figure out a plan and stick to it. That’s what ended up happening for the most party. We did what we always did.

I still kept up with spending and found out that groceries were pretty much the same, under actually. We did go a bit crazy with eating out, but that was part of the transition and celebrations over job promotions.

Our budgeting streak is over, but we had a good run. We do plan to jump back on the budgeting train; after all our income will be increasing, so we need to really keep our eye on the ball.

If you want to learn how we budget or tips on budgeting, read this series of articles about budgets.

Typical Hipster in NYC

These days hipsters are everywhere. There are a few I’d even consider friends (yes, geeks and hipsters can get along).

I remember a time I didn’t know what a hipster was. Wait you don’t know either or want to be a hipster just because it is deck (cool)? That’s just stuff hipsters say.

Hipsters gotta earn money and budget too. Here are some Hipster tips for your finances.

Side Hustle Like a Hipster

  • A typical hipster income might be from graphic design, jewelry design, or anything with design in the name. Need a guide to finding a hipster job?
  • You could also make some side money from the chicken eggs you harvest in your Brooklyn apartment or sell homegrown organic vegetables. Those DINKS Uptown will pay a bundle for your organic goods!
  • Protest for pay. I see those ads on craigslist all the time…I wonder if they are a scam?
  • Be a tourguide of Williamsburg, Broooklyn (home of hipster) to out of town hipsters.
  • Paid reviews of music and books. Trick is you have to hate everything not mentioned on Pitchfork.
  • Sell something at a farmers market. Make it, grow it, knit it, and then sell it at 200% markup at a Farmers Market no one has ever heard of. Deck!
  • Make your own home brew or roast your own coffee beans. Organic and Fair Trade of course. Take out an ad in the Brooklyn Vegan and you’re set.


Budget Like a Hipster

There are certain items that must be included in a hipster’s budget.   Here are a few:

  • Home brewing equipment. PBR is so 2011.
  • Yarn for knitting your own I-pad covers.
  • Clothing is such a large percentage of hipsters budget that each clothing item gets its line item: Fedoras, scarves, shoes, vintage T-shirts, skinny jeans, new shoes that look old, flannel shirts, big watches, handmade jewelry, hipster glasses, etc.
  • Counseling because they are being labeled as a hipster and can’t deal with being put in box.
  • Yearly Airfare to Williamsburg to soak up the essence of hipster and eat at the hipsterest places on the planet.
  • Tattoos- Better save up for that full sleeve tattoo…it’s gonna cost you.
  • Indie Music and Shows- Rare music is going to cost you, especially when you’ll have to ditch your favorite band once 5 other people like them. Oh yea. you’ll need a lot of dough for vinyl.
  • Vintage Bike repair. Your beach cruiser will need some fixing from time to time. How about a new basket to hold your vegetables from the farmers market?
  • Apple- no not the ones you eat, but you’ll need to save up for the latest Apple products in order to stay hipster. A Blackberry is so 1%.
  • Bail- You’re going to protest and probably get arrested sometime this year. Go ahead and save up for that bail $.
  • Food- Hipsters don’t eat. They only drink coffee and nibble on organic vegetables. Meat is out of the question, a very frugal move indeed.

Hopefully you’ll find these funny and I don’t get flamed from the hipster community. Hipsters, I’m secretly jealous I’m not as cool as you. If you really want to know how to budget please read my How to Budget Like a Pro Series.

Help ensure this article is up to Hipster Standards. Any suggestions or additions to my lists are welcome in the comments below. 

Photo cred Joel Bedford

I hope you never have to break your Emergency Savings pig.

I’ve read a few articles about emergency funds recently that make me worry a bit. Seems Americans aren’t saving as much as they should and if they are it’s in all the wrong places.

In a recent Smart Money article (April 2012- Fatten Your Reserves) they cite a bankrate.com study that shows only 24% of Americans hold a 6 month emergency fund and 25% have no savings at all.

This article went on to state that Americans are using alternative methods instead of a traditional savings account like borrowing from 401K, home equity, and insurance. I disagree and believe going down this path will bring more financial disater in the end as these alternatives come with very high risks.

Emergency Funds: The Basics

An emergency fund’s purpose is to shield you from unexpected events and emergencies. There are some basics we must remember about Emergency Funds.

1. Keep it Liquid- No, not in water, but keep it easily accessible. Don’t tie up your emergency fund in hard assets like your home, CD’s, investments. If an emergency happens, you need that money now, not in a several days or weeks that include paperwork and red tape.

It is wise to keep your emergency fund in a high interest saving account or Money Market account with check writing privileges. (Find one now)

Continue Reading…

Empty book shelves

Clear your schedule and free energy to make your new goals a reality. Credit svenwerk.

A new year is here. Wow that was fast! It’s time to create new goals and resolutions to keep you successful and moving forward in life.

In order to say yes to a new goal–you’ll need to say no to an old habit or activity.

10 Ways to Make Room for Your New Year’s Resolutions

Here are a few ways to create space for that new weight loss plan or spending plan.

1. Delete one social media account on your smart phone or ditch it completely. I left Instagram several months ago and haven’t really missed it. My friend deleted the Facebook app off his phone and gained back many minutes each day.

2. Wake Up Earlier- One of the best ways to have time for your new resolutions is to wake up earlier. You’ll be amazed what you can accomplish before the sun rises and all the kids wake up.

3. Unsubscribe- You know those dozens of newsletters, coupon sites, and other junk email you receive each day? Those valuable minutes you take reading or just hitting delete are precious. Unsubscribe or block those senders to gain back your time.

4. Turn off the Tube- Seriously, if you’re looking to make headway on those resolutions and goals–turn off the TV and gain back hours out of each day.

5. Budget Your Time- Have you ever done an audit on your schedule to see where your time is spent? Create a time budget and mark out every 15 minutes of the day to ensure those new goals have a spot in your week.

6. Block Your Computer- Try blocking social media sites during certain times of the day–like the times you’re supposed to be running or working on another goal. The best way of course is to turn off your computer and use good ole’ pen and paper.

7. Go to Bed Early- Since you’ll be waking up earlier it is only natural you’ll need to wake up earlier. Start a routine to be in bed by a certain time and prepare your wardrobe or set coffee on automatic brew to make the morning easier.

8. Wear Earphones or noise canceling headsets when you’re working to block noise and distractions during key times during the day. 

9. Dump friends or acquaintances- You don’t really need to know what your 3rd grade friend’s kids are wearing for Halloween do you? It is time to dump ‘friends’ from your online accounts that are eating time and causing you to compare and become jealous. There might even be a real-time friend that needs a few boundaries set and their time limited [I recommend the book Boundaries]

10. Check email only twice a day- Don’t be a master to your emails. Schedule several blocks of time each day to answer email and don’t be a master to the dings and chimes of email [Idea from book The 4-Hour Workweek]

I wish you much success on your new goals for this year!

How will you clear your schedule and free up energy to accomplish your New Year’s Resolutions and goals?