I spent the afternoon putting plastic film on my windows. It was supposed to be a short project, and I do get better at it every year, but it still ended up taking about an hour per window.

I think it's time well spent. According to one article I read, it can cut your heating bills by 30 percent. That's some serious money.

I've been writing a lot about personal finance lately. I make no apologies for that; it's what's on my mind. Something that happened this weekend reminded me of why it's hard to get on the personal finance treadmill to begin with.

The numbers are big. They're intimidating. You can't possibly fix it all right now.

So don't try to fix it all right now.

I saw a link to a short story on Get Rich Slowly called What to do during a recession.

I think I can do a little better. So I'm gonna try.

I had a bit of a financial epiphany over the weekend.

I have a well-deserved reputation for being a tightwad. Part of it is in my blood; I'm largely of Scottish descent, and Scots just tend to act that way. But I think part of it is what I observed growing up.

Earlier this year my wife asked me to look for a treadmill. So I started keeping an eye out. A month or two ago I spotted one at an estate sale, but everything was wrong about that deal.

Today, I pulled the trigger.

I read earlier this year how some families are spending more than $1,000 a month on cellular phone bills. To me, it's absolutely ridiculous to pay more than some people pay for their mortgage for communication. When I was growing up, a second phone line ($25 or so per month) was a luxury most families didn't indulge in.

To me, the cel is primarily for emergencies. I have a pretty liberal definition of emergency--if I'm on my way home from work and my wife wants me to stop at the grocery store to pick up a couple of things, I think that's reasonable. What I don't think is reasonable is the expectation that I'll spend all the time I spend in my car yakking on the phone. If it's going to take more than a couple of minutes, we'll talk on my landline when I get home.

Here's how to have a phone for emergencies for less than $9 per month.

I stumbled across this money-saving tip today. A company called Bits Limited sells "smart" power strips. Here's how they work: You plug a device into one of the plugs, and when you turn that device on, it switches power on to other outlets. The strip also figures out how much energy the device uses when it's off, so when it senses you've turned that device off, it cuts power to those other outlets.

Here's an obvious use: Plug your TV into the master outlet, then plug your VCR, DVD player, cable box (or powered antenna if you're a cable-hating tightwad like me) into the autoswitching outlets.

This week I read a story on Get Rich Slowly about a couple who refuses to budget. The conversation ended when the person who needed to budget bragged about getting five shrubs on sale for $10 each. She didn't need them, but the deal was too good to pass up.

Last week I saw an article about aftermarket solar panels for a Toyota Prius.

I'm glad on two counts. It'll reduce fuel usage, and while maybe it doesn't prove my idea was a good one, it does prove that someone else had it.

Well, the $25 lawnmower my wife scored at a yard sale late last year died a week ago. It just quit in the middle of the yard, leaving me with a yard with a mohawk, since I'd already cut the front and most of the sides.

I bit the bullet and bought a new Toro.