Yes, I know I’m a little late in the game. Having seen references to Twitter all over the web in recent months, I finally decided to check it out and signed up this past Sunday. Twitter is a great, easy and fun way to interact with people - specifically for me, personal finance bloggers and blog readers.

What is Twitter

Basically, Twitter is a social networking website, but much simpler than Facebook or MySpace. You simply log-in to your account and type in your 140 character (or less) update to tell your friends and family what you are up to, what’s going on in your life, what you are thinking/doing/reading/watching/etc.

You begin by “following” other people - friends, family, classmates, etc. - subscribing to their updates. You interact by typing updates of yourself, and reading and replying to your friends’ updates. Eventually people will start following you. (Read to the end for a list of useful Twitter Tools and Tips.)

How Twitter Relates to Our Fourpence Worth

There is a great network of personal finance bloggers on Twitter. By following them, I can:

• Get to know my fellow personal finance and frugal living bloggers
• Know when new blog posts are published
• Discover new blogs
• Keep up with what other personal finance bloggers are writing about
• Keep abreast of personal finance blogosphere happenings - blog carnivals, group writing projects, blog networks, etc.
• Find interesting things to share with my readers [you]

Follow Me on Twitter!

I’d like to invite you to follow me on Twitter. It’s an easy way for me to get to know you, my readers, find out what’s on your mind, and hopefully be able to make this blog more useful to you by writing about topics that interest you.

My Twitter Page:
http://twitter.com/PenelopePince

Twitter Tools and Tips

Since I”m new at Twittering and these following resources have been useful to me, if you’re new - or even if you’re not new - maybe they’ll be useful to you too.

For Personal Finance Bloggers and Blog Readers

• A list of 118 Twitter Users Who Blog About Money (plus more under Comments)

Graphics

• Cute “Follow me on Twitter” graphics for your site, email signature, online profiles, etc.
• More cute Twitter Graphics and Icons (like the one above)

• Follow me on Twitter badges / logos / buttons (very artsy graphics)

For Bloggers

• Twitterfeed tells your followers about new blog posts using your RSS feed (requires OpenID)
• How to Use Twitter - Tips for Bloggers
• 9 Benefits of Twitter for Bloggers
• 7 Ways to Use Twitter to Promote Your Blog and Build Traffic
  
• The networking benefits of using Twitter
• 17 Ways You Can Use Twitter: A Guide for Beginners, Marketers and Business Owners
• 7 Ways to Use Microblogging Services for Traffic and Brand Exposure

URL Shorteners

Because each Twitter update is limited to 140 characters, you’ll want to use an URL shortener to save space.

• Tweeter Burner ties into your account and allows you to track how the links you share are doing (how many clicks)
• TinyURL seems to be the most commonly used URL shortener

More Twitter Tools & Apps

• Official Twitter Application Downloads Site
  
• Twitter Apps (Official Twitter Blog)
• Twitter Forge - Twittown
• Twitter Tool Box: 60+ Twitter Tools
• Twittermania: 140+ More Twitter Tools!

• Top 21 Twitter Tools and Help Websites

• Twitter Tools 2nd Edition

• Twitter Fan Wiki Apps
• Firefox add-ons for Twitter

Cool Stuff

• Twittervision - Shows you tweets being sent all over the world in real-time (ok, with a slight delay - less than a minute). I like the 3-D globe one that spins. It’s really fun to read all these tweets being sent all over the world in various languages.

Interesting Stuff

• Twitter as News-Wire

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We would like to thank the following Blog Carnivals for featuring our posts.

(This list will be updated to include future inclusions for the month of July 2008.)

Descending chronologically by inclusion date

• July 30, 2008
  Money Hacks Carnival #23 — It’s Gotta Be The Shoes!
  Article: How to Save Gas and Time With Google Maps
• July 28, 2008
  Carnival of Debt Reduction 150: College Tuition Bills
  Article: Resisting the urge to splurge
• July 28, 2008
  Carnival of Personal Finance #163 - “Quotable Quotes”
  Article: How to Save Gas and Time with Google Maps
• July 21, 2008
  The 162nd Carnival of Personal Finance: Baseball edition
  Article: California Fires: Should We Have to Pay for the Choices of Others?
• July 15, 2008
  Festival of Frugality 134
  Article: Booking Flights Early Could End Up Costing More
• July 10, 2008
  Finance Fiesta: No Debt Plan Edition
  Article: Monopoly Game Expansion #4: Personal Credit Card Account
• July 7, 2008
  Festival of Frugality: Bare Necessities Edition
  Article: Economical Pet and Child Safe Ways to Repel and Kill Ants, Spiders and Other Insects
• July 2, 2008
  Money Hacks Carnival #19: The Independence Edition (Editor’s Pick - double thanks!)
  Article: Monopoly Game Expansion #3: Certificate of Deposit

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Some of you may have noticed references to the Wall Street Journal in a few of my recent posts. This is because I began receiving a print subscription of the Wall Street Journal a few weeks ago - for free. I am a member of the e-Rewards program, which offers rewards currency in exchange for completing market research surveys.

I have joined many survey programs before, but this is the only program that I have found to be reliable. With consumer surveys for market research, there is often a pre-screening survey that you have to fill out to see if you qualify. Some of these pre-qualification surveys take about 10 minutes to complete, after which you find that you are not eligible. With e-Rewards, they give you a small reward - $0.50 in rewards currency - even if you don’t qualify. It’s not much, but it’s better than nothing. And it adds up fast.

e-Rewards currency can be redeemed for a number of rewards such as magazine subscriptions (subjects range from fashion, to fitness, to business, etc.), Blockbuster video rental coupons, Borders Bucks, ariline miles, hotel points, coupons for dining and luxury merchandise stores, and more. Click here to see a full list of rewards.

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This is a really yummy, inexpensive recipe, easy and quick to prepare requiring only one pot. It’s great for kids, but I eat it all the time.

Ingredients

• Uncooked spaghetti (or other preferred pasta such as macaroni)
• Condensed tomato soup (Campbell’s or similar store brand
• 1 hot dog
• About 1 teaspoon sugar
• Optional: chopped onion (very yummy)

Preparation Directions

1. Slice hot dog into about 15 pieces
2. Cook spaghetti noodles until almost done
3. Pour out the water
4. Add tomato soup (or pasta sauce) into the pot with the noodles
5. (Add a little water to dilute the condensed tomato soup)
6. Stir in sugar
7. Toss hot dogs into the soup/sauce
8. Simmer until noodles are done and sauce is thickened.
9. When preparing for children, be sure to let cool sufficiently beforehand. Pasta is extremely hot right after cooking.

Pasta sauce can also be used in place of tomato soup.

Eat up!

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With numerous “How to Save Gas” tips all over the internet, such as this one on WikiHow: How to Save Money on Gas, I figured I wouldn’t do one here because they can be easily found elsewhere. So this post won’t be about the most common suggestion such as: Unload all unnecessary weight, leave early, drive slower, etc., but rather on how you can use tools provided by Google Maps to save you gas and time.

With gas prices constantly rising and the economy as it is, we can’t go wrong saving even tiny bits of money and gas here and there. Even if we shave off only .1 mile on a daily trip, it will add up to something.

Google Maps has been getting fancier and fancier with satellite images, trip planners with multiple destinations, re-route tools to discover shorter routes and more. Many of you probably already know about this, but it is possible that some do not, so I thought I would do an in-depth guide on how to use Google Maps to help you plan and re-route trips, be they long or short distance.

This is a rather long guide (mostly due to the number of images), so here is a table of contents of the sections contained in this post:

• How Google Maps Can Help You Save Gas and Time
• How to Re-Route Trips on Google Maps
• Driving Directions and Route Options
• Traffic Conditions
• Satellite Image Street Views
• Foreign Travel
• Fun Stuff & Research
  • Photos and Wikipedia
  • What does your house look like from the sky?

How Google Maps Can Help You Save Gas and Time

• Re-routing drives for daily errands, trips to the grocery store, to your kids’ schools, church, the bank, post office or homes of friends and family.
• Planning routes with multiple destinations to consolidate your trips.
• Avoiding left turns, which according to UPS (UPS Delivers Gas Saving Tip), saves gas because it prevents waiting in traffic.
• Satellite images of street views can show you what unfamiliar destinations look like so you can know what to expect, which side of the road your destination is on, which lane you should be driving in and prevent you from wasting time by getting lost.
• Traffic conditions look-up for live traffic or a specific day and time can help you plan your departure time and estimate driving time.

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While browsing the WiseBread Forums today, I came across an interesting thread in which a member asks: Is “Simple Living” Just Another Term for “Giving Up”?

Several members responded with various opinions:

• There is a difference between simple living and forced poverty.
• Not everyone enjoys the rat race.
• It’s a choice.
• It’s a form of retirement.
• Some live the frugal life because they have no other choice.
• Frugal does not mean “easy,” but instead takes work and ambition.
• It’s the means to an end.

I thought I’d add my own opinion to this and go more into why we live the way we do - sort of a continuation/elaboration on Our Family Financial History which tells how we came to be where we are today. The answer to this question, as evidenced above, is different for everyone depending on your station in life - age, personal goals and lifestyle preferences.

For us, the last answer, “It’s the means to an end,” is closest to our view of “simple living” or “frugal living.” For me, simple living is not just another terms for “giving up.” I like to think of it as “saving up” and making it possible to “live it up” in future years.

Though, I think this has much to do with where we are agewise in our lives. Madoline and I are in our late twenties and we have many years ahead of us. But for someone at midlife, retirement or late-life, it would probably be different.

Our Reasons for Frugal Living are:

• To pay off our house as soon as possible
• To save up to attend graduate school
• To save up for a replacement car when the time comes
• To make sure we and our pets have enough (or more) to live on in later life
• To be able to live as comfortably and healthily as possible in later life
• To be able to help extended family who may need assistance
• To be able to travel and see the all the places we’ve been wanting to see
• To own a small farm on which to keep horses, sheep and dogs
• To be free of debt and worry
• To be able to have the things we want be they large or small
• To be able to pay our taxes - sad, but true

Frugal Living as a Choice

At this time in our lives, we cannot really afford to not live frugally. Our business is still in its development stages, and we are still considering other career paths. Because we prefer to avoid debt and our business is small, we have been using our cash to invest in sewing machines and materials for the business.

So for us, frugal or simple living is a choice because our present lifestyle is also a choice. At this time, we’d like to have a shot at making our business work because we prefer to work for ourselves and be able to work from home so we can be with our dogs who are our closest family. This is the reason we bought our house where the closest city is 40 miles away. We could move to a large city and get full-time jobs if we really wanted or needed to, but for now, we want to try to make our business work.

Frugal Living as a Means to an End

One of the ways in which we hope to make our fortunes is by investing. This also requires some capital other than regular savings and and emergency fund. So that is another reason we live frugally - to save as much money as possible to invest.

How about you? Do you live frugally? If yes, what are your reasons? And if no, why not?

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