Get Rich Slowly

  • Get Rich Slowly turns 10! Celebrating our first decade
    This article is by J.D. Roth. My name is J.D. Roth. Ten years ago today, I started a little blog about money. This blog, in fact. When I started Get Rich Slowly, I had no idea what it would become. Just a year earlier, I had summarized all the best a…
    - 15 Apr 16, 3:55am -
  • Where to save your emergency fund
    This article is by GRS contributor William Cowie. Life is full of little bumps … like how our furnace went out at the onset of last season’s most severe cold snap. It’s bad enough that an emergency like that seems to happen at the most inopport…
    - 30 Mar 16, 5:00am -
  • Plan a better vacation with a credit card offer
    This article is by editor Linda Vergon. The Starwood Preferred Guest® Credit Card from American Express has a new offer available now that could help you plan a bigger, better summer vacation if you act quickly. This card was recently given a 2016 C…
    - 23 Mar 16, 5:15pm -
  • Is an annuity a good investment?
    If you have ever met with a financial adviser about investments, chances are he or she may have proposed annuities as a good way for you to go. However, when you scan the blogosphere for posts about investing, you hardly ever read about annuities. Yo…
    - 21 Mar 16, 5:00am -
  • In search of low-risk investments – 11 things to know about bonds
    This article is by GRS contributor William Cowie. Chances are you have never purchased a bond … and probably never will. Same with me. I simply don’t have the capital to commit over $100,000 to purchase the typical bond. But I do believe there ar…
    - 2 Mar 16, 12:01am -

The Simple Dollar

  • newThe 10 Core Principles of The Simple Dollar
    IDEA: Start a personal finance blog. Two Cents? Articles focused on practical stuff, positive, straightforward, earnest. Personal finance is easy to understand but hard to actually do. A friendly voice – do people need a “money friend”? I’m n…
    - 2 hours ago 26 Jul 16, 8:00am -
  • newYou Can Improve This Part of Your Credit Score Almost Immediately
    Last week, we discussed how the way you pay (or don’t pay) your bills has the single biggest impact on your FICO and VantageScore credit scores. A close second, however, is how well or poorly you manage your debt. What’s more, the metrics tha…
    - 6 hours ago 26 Jul 16, 4:00am -
  • Questions About Electric Cars, SEP-IRAs, Charities, Wedding Registries, and More!
    What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Why Trent isn’t financial advisor 2. SEP-IRA basics 3. Hold…
    - 1 day ago 25 Jul 16, 8:00am -
  • Why and How to Open a Roth IRA for Your Child
    The Roth IRA is one of the most powerful retirement tools available, giving you the benefits of tax-free growth and tax-free withdrawals. It’s also an incredibly flexible tool, with possible uses ranging from holding your emergency fund, to serving…
    - 1 day ago 25 Jul 16, 4:00am -
  • What I Wish I Knew Before Taking Out Student Loans
    More than $1.3 trillion dollars, with $2,726 added every second. That’s how much student loan debt Americans have accumulated, and how much debt gets added with every second that ticks by. To many people, this amount is nothing more than an outrag…
    - 2 days ago 24 Jul 16, 6:00am -

Consumerism Commentary

  • Travel reward credit cards — more vacation for your money
    If travel is in your plans, you may want to know about this offer from American Express. It’s the Starwood Preferred Guest Credit Card, and it offers 25,000 bonus points when you make $3,000 in purchases in the first three months after opening your…
    - 25 Mar 16, 2:00am -
  • 2015 Federal Income Tax Brackets and Marginal Rates
    Tax Day 2016 for IRS Tax Year 2015, also known as your return filing deadline, is April 18. If you haven’t yet filed, here are the IRS tax rates for your 2015 earnings with background and commentary. These change from year to year to protect agains…
    - 22 Mar 16, 3:05pm -
  • The Best Cash Back Credit Cards for March 2016
    Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5 percent cash back for all credit card purchases may be just a memory, but the smart use o…
    - 22 Mar 16, 7:00am -
  • Best Time to Buy a House
    In chemistry, a catalyst is something that triggers a reaction — but the nature of the reaction itself depends on having the right elements in place to respond to the catalyst. What brought to mind that tattered remnant of high school chemistry was…
    - 15 Mar 16, 2:00am -
  • Why Lending Rates Can’t Stay Low Forever
    The Federal Reserve sure gets a lot of media attention. And yes, the discussion of when and if the Fed is going to raise interest rates can get a little tedious, but it still probably deserves some of your attention because interest rates are woven s…
    - 20 Feb 16, 2:00am -

Free Money Finance

  • Thoughts on Restaurant Bills
    Money Magazine recently had a series of stats on restaurant bills. Here are a few of the facts that caught my attention and my take on them: Average monthly restaurant tab per household: $223 We are a bit lower than...
    - 1 day ago 25 Jul 16, 3:05am -
  • Americans Have Way Too Much Credit Card Debt
    I like to "collect" posts on various topics. Here are a few: Posts about people who have a solid net worth despite having a low income. I like these posts because they show that you don't have to make a...
    - 8 days ago 18 Jul 16, 3:05am -
  • A Year Ago
    It's been almost a year since I announced I was starting a new blog. And believe it or not, I'm still getting requests for links to the new site. So I'm posting here again until no one asks for the...
    - 14 days ago 12 Jul 16, 3:05am -
  • Some Posts Worth Checking Out
    Here are a few posts that I liked but won't get around to posting on. Thought you might enjoy them: Mighty Bargain Hunter says there are three letters that will millionaire you. They are E-S-I. He then points to the...
    - 15 days ago 11 Jul 16, 3:05am -
  • How's Your State Rank for Retirement?
    Here's an interesting report which ranks the top states for retirement based on the following criteria: Financial: The financial health of pre-retirees as a group, and the fiscal health of their states of residence, are directly linked to their abili…
    - 21 days ago 5 Jul 16, 3:05am -

Wise Bread

  • newIs Long Term Care Insurance Worth It?
    Worried about how you'd pay for a long stay in a nursing home? These concerns aren't rare. The 2016 Insurance Barometer Study found that 58% of respondents worried they wouldn't have enough money to afford the costs of long-term care.Fortunately, t…
    - 6 hours ago 26 Jul 16, 4:30am -
  • new10 Dumb Ways to Scare Off Potential Homebuyers
    When the time comes to put your home on the market, you will go from being a homeowner to a home seller. Make no mistake, the two are very different, and if you don't want to scare away the buyers, you will need to make a few sacrifices. However, if…
    - 6 hours ago 26 Jul 16, 4:00am -
  • newAsk the Readers: What Are Your Current Savings Goals?
    Socking money away when you don't have a plan for it can get pretty boring. That's why savings goals are so important. They keep you motivated and encourage you to find ways to do better, and they give you something to look forward to. They give mean…
    - 6 hours ago 26 Jul 16, 4:00am -
  • newBest Deals for Tuesday 07/26
    Link for teaser title: Don't miss these deals - StorageManiac Pack of 2 Pop-Up Mesh Laundry…
    - 7 hours ago 26 Jul 16, 3:30am -
  • new7 Ways to Protect Yourself From Theft While Traveling
    Vacation is a time for rest and relaxation. But your good-time getaway can quickly turn into a living nightmare if you're the victim of theft while you're away from home. Lock down your loot and guard your identity when you travel abroad with these h…
    - 7 hours ago 26 Jul 16, 3:30am -

Planting Money Seeds

  • Everything You Need to Know About Revolving Lines of Credit
    I actually use revolving lines of credit to shore up my own finances in business as well as in my personal finances. I do my best not to carry balances and pay interest, but they can be helpful in smoothing cash flow, especially for someone with a va…
    - 2 days ago 24 Jul 16, 9:41am -
  • Reader Question: What are You Doing About the #Brexit?
    I love receiving reader questions. In the last couple of days, I’ve received several questions addressing the general instability happening right now, including the recent #Brexit vote. We are going through a time of turmoil and uncertainty. Here i…
    - 29 days ago 27 Jun 16, 10:01am -
  • Rise of Stay-at-Home Dads: Financial Resources and Lifestyle Choices
    Today, it’s possible to create your own lifestyle based on your financial resources. You don’t have to follow the “traditional” path. This blog post was written as part of a sponsored program for State Farm®. All views expressed are entirely…
    - 40 days ago 16 Jun 16, 12:13pm -
  • How to Achieve Your Investment Goals
    Thanks to my good friend TK from Blonde & Balanced for this guest post. I’m heading out on vacation with my son, and I’m grateful for the help with posts on my site. Investing isn’t easy.  If putting your money into the stock market equaled ma…
    - 43 days ago 13 Jun 16, 1:04am -
  • Do You Give Your Money a Purpose?
    The following blog post is part of The Road to Financial Wellness blog tour. The Road to Financial Wellness is a three-month, grassroots campaign promoting financial empowerment on a national level and encourages people to pursue their dream lifestyl…
    - 48 days ago 8 Jun 16, 1:18am -


  • Best Banks with the Highest Interest Rate for Savings Account
    Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. […]Read Another A…
    - 14 Apr 15, 7:00am -
  • 5 Preparation Tips to Buy and Sell a Home Simultaneously
    Homeowners preparing to sell their properties and immediately buy new homes must carefully organize their plans to execute smooth transitions from owner, to seller, to purchaser. Prior to making offers on homes or listing current properties, […]R…
    - 7 Nov 14, 5:56pm -
  • 5% Cash Back Credit Cards, August 2014 Promotion Calendar
    The following is the 2014 calendar of 5% cashback bonus promotions for some of the credit cards and debit cards that are currently offering a 5% promotion. These cards include Citi Dividend, Discover Card, Chase Freedom, […]Read Another Article:…
    - 10 Aug 14, 7:00am -
  • Top 10 Tax Deductions for Rental Property Owners
    When you own rental property you are essentially running a small business. Here are 10 primary tax deductions for rental property owners that you can use to reduce your rental income for income tax purposes. 1. […]Read Another Article:How to Bui…
    - 2 Feb 14, 6:00am -
  • Quarterly Estimated Tax Payments Due Dates for 2013-2014
    For all the freelancers, small business owners and self-employed individuals out there, staying on top of when the estimated tax payments are due is important to help you stay within the IRS tax payment guideline and […]Read Another Article:Do Y…
    - 2 Jan 14, 7:30pm -


  • eBay app review and 6 tips to sell on eBay
    Rachel HartmanBefore setting up a neighborhood garage sale, it's worth considering what you could bring in by selling those old collections online with the eBay app.eBay app review and 6 tips to sell on eBay is a post from: Bargaineering
    - 13 days ago 13 Jul 16, 10:28am -
  • 7 stores with an excellent return policy
    Heather LarsonThe return policy of a store isn't always clear. But it pays to purchase from a store with a great one. Here are seven stores with excellent policies! 7 stores with an excellent return policy is a post from: Bargaineering
    - 29 days ago 27 Jun 16, 7:49am -
  • 5 ways to get credit as a millennial
    Susan LadikaLooking to get credit as a millennial? Use these tips to increase your chances, from secured credit cards to peer-to-peer loans. 5 ways to get credit as a millennial is a post from: Bargaineering
    - 40 days ago 16 Jun 16, 7:18am -
  • 10 home repairs to tackle this spring
    Rachel HartmanDon't neglect your home. This spring, tackle these home repairs to get your house in tip-top shape. 10 home repairs to tackle this spring is a post from: Bargaineering
    - 57 days ago 30 May 16, 12:00am -
  • 4 ideas for spring landscaping on a budget
    Heather LarsonWant to get your yard in tip-top shape this spring? Use these spring landscaping ideas to keep your landscaping budget in check. 4 ideas for spring landscaping on a budget is a post from: Bargaineering
    - 71 days ago 16 May 16, 12:00am -

Five Cent Nickel

  • Money worries and woodpeckers
    I suppose it is bound to happen if you live in a wooden house in a semi-rural area. Our house has become besieged by woodpeckers. The insistent, get-you-up-out-of-bed nagging of their rapping on the walls reminds me of the inescapable angst of having…
    - 29 Dec 15, 1:00am -
  • Depending on stock returns to fund your retirement? Think again
    How worried should I be? That’s a question financial people get a lot when the market is as unstable as it has been over the past several weeks. Actually, it’s a question we ask ourselves in those environments. Having both asked and answered that…
    - 6 Oct 15, 2:00am -
  • The hidden costs of bad credit
    The worst thing about bad credit isn’t being turned down for a loan or a new credit card. After all, there are worse things than not being able to borrow. The bigger problem with bad credit is that it can cost you money in a number of ways, and tha…
    - 22 Sep 15, 2:00am -
  • 7 bad things about low interest rates
    If you have been able to buy a house or refinance a mortgage in recent years, then congratulations. You have been a beneficiary of the Fed’s extraordinary effort to keep interest rates low. For many others though, monetary policy hasn’t been so f…
    - 31 Aug 15, 11:10am -
  • 8 questions to ask before lending money to friends

    - 25 Aug 15, 2:00am -


  • The 50/20/30 Rule for Minimalist Budgeting
    Budgets are more than just paying your bills on time—a budget is also about determining how much you should be spending, and on what. The 50/20/30 rule, also called the 50/30/20 budget, is a proportional guideline that can help you keep your spendi…
    - 6 days ago 20 Jul 16, 11:01am -
  • Best Places to Travel on a Budget
    Traveling is one of the best things in life, and luckily, low funds don’t have to dash your dreams of enjoying an epic adventure. A wealth of destinations—both in the U.S. and abroad—are so affordable that even hardcore penny pinchers can visit…
    - 13 days ago 13 Jul 16, 8:00am -
  • Easy Ways to Automate Your Life
    While we don’t yet have flying cars that collapse to the size of a suitcase, pneumatic tubes that transport us from room to room or machines that automatically bathe and clothe us in the morning, every day we’re getting closer to living in a Jets…
    - 15 days ago 11 Jul 16, 8:11am -
  • How to Travel Europe on a Budget
    Ready to snap selfies in front of Stonehenge, sip cappuccinos near the Colosseum or fall in love at the Louvre? Backpacking through Europe is an adventure that appears on many Americans’ bucket lists, but the assumed price tag prevents most from ma…
    - 20 days ago 6 Jul 16, 11:00am -
  • Top 17 Most Affordable U.S. Cities of 2016
    Times have changed since Grams and Gramps were your age, looking to settle down and buy their first home. But today the house with the white picket fence—or that trendy loft in downtown—isn’t completely out of the question if you look in the ri…
    - 27 days ago 29 Jun 16, 12:49pm -


  • How to Make Your Raise Work for You
    Whether you’ve earned a promotion at work, received a merit increase or have been given a cost-of-living increase, a bigger paycheck is always welcome. However, that extra money can quickly disappear if you aren’t careful. Considering switching b…
    - 16 Sep 14, 4:00am -
  • Income Property vs. Residential Property
    Too often, we hear about the “investment” that it is to buy a home. Try to find a home with the help of a real estate agent, and you will immediately be told that your home purchase is an investment. However, residential real estate, bought with…
    - 4 Mar 14, 4:00am -
  • What are the Best Careers for the Future?
    What careers are likely to provide you with a little job stability, as well as decent pay? If you are looking to the future, you want a job that you know will be around. The good news is that there are a number of best careers for the future for you…
    - 27 Feb 14, 4:00am -
  • Watch Out for the Income Effect
    Most of us like the idea of earning more money. Have a greater income is often, in the eyes of many, the solution to most problems. However, if you aren’t careful, that increased revenue can result in the income effect, which could prevent you from…
    - 18 Feb 14, 4:00am -
  • Different Ways to Save Money on Your Wedding
    There are many ways to plan a wedding on a budget. I made a post recently about that, but what if you are looking for even more ways to save money with your wedding? We are now deep into our wedding planning, with just a couple months to go. Our budg…
    - 11 Feb 14, 4:00am -

The Consumerist

Man Vs. Debt

  • Re-Evaluating Your Financial Priorities
    Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. Since I shared my report from the three-year mark of my battle against debt, I’ve been amazed at the kind words from so many members of the Man Vs. Deb…
    - 28 Apr 14, 6:00am -
  • The Report from the Three-Year Mark: Joan’s Mid-April Financial Update
    Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. It’s official: I’ve been tracking my debt for exactly three years. While I didn’t post my first financial update on Man Vs. Debt until a year later…
    - 14 Apr 14, 6:00am -
  • Business and Hustling Lessons from the WWE Network
    Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. You guys are going to think I spend my Sunday afternoons watching America’s best not-exactly-a-sport sports, between today’s post and the one from la…
    - 7 Apr 14, 6:00am -
  • You Want It. You Buy It. You Forget It.
    Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. Two summers ago, while visiting an art museum in Washington, D.C., we came upon an exhibit in the process of being installed. Huge letters and swaths of…
    - 31 Mar 14, 6:00am -
  • Julian’s Success Story: How Going $42,000 in Debt was the Greatest Decision I’ve Ever Made
    Julian Hayes II is a fitness and lifestyle coach and writer based out of Nashville, Tennessee. He is the creator of 206 Fitness. Why 206? Not only is 206 one of his nicknames, but there are also 206 bones in the body. He believes anyone can achieve t…
    - 24 Mar 14, 6:00am -

Frugal Dad

  • Report Predicts STEMM Jobs Growth Will Outpace STEMM Graduates
    The President’s Council of Advisors on Science and Technology estimates there will be 1 million fewer graduates in the fields… Continue ReadingThe post Report Predicts STEMM Jobs Growth Will Outpace STEMM Graduates appeared first on…
    - 15 Jan 16, 2:00am -
  • Enrollment Shortfalls Breed Competition For College Students
    Many private colleges depend on tuition for their annual budgets. As summer rolls in, colleges that are not on target… Continue ReadingThe post Enrollment Shortfalls Breed Competition For College Students appeared first on
    - 20 Dec 15, 2:00am -
  • You Don’t Always Have to Accept the First Financial Aid Award You’re Offered
    If you are like nearly half of all college students today, you count on financial aid to attend college. In… Continue ReadingThe post You Don’t Always Have to Accept the First Financial Aid Award You’re Offered appeared first on
    - 21 Nov 15, 2:00am -
  • Student Loans: Think Before You Borrow
    On average, a college graduate earns just over $47,000 per year. On the other hand, individuals who possess only a high… Continue ReadingThe post Student Loans: Think Before You Borrow appeared first on
    - 18 Nov 15, 2:00am -
  • These Libraries Elevate the Studying Experience
    Often times, the library on campus is a dark, windowless building filled with rows of dusty, little-touched books. Quiet, institutional,… Continue ReadingThe post These Libraries Elevate the Studying Experience appeared first on
    - 16 Apr 14, 3:00am -


  • Signs You’ve Become Too Frugal
    Being frugal is generally praised. Your grandparents tell you how smart it is to be frugal. Your uncle boasts about how his refrigerator is older than you are. You read that if you save $5 each day for a year, you’ll have tens of thousands extra …
    - 1 day ago 25 Jul 16, 7:00am -
  • 4 Purposes for a Proactive Financial Calendar
    I’m obsessed with organization. You know — one of those people who writes something down just so they can cross it off. While I’m overly organized in most areas of life, one area I could stand to improve in is financial planning, and one practi…
    - 4 days ago 22 Jul 16, 7:00am -
  • Personal Finance is Indeed Personal
    What I love about personal finance is that everyone’s situation is unique. Yet, the more the details are different, the more the solutions stay the same. What’s more interesting is that even though the majority of us struggle to achieve financial…
    - 5 days ago 21 Jul 16, 8:05am -
  • 5 Tips to Save on Your Child’s Back to School Wardrobe
    School bells are ringing in the distance. Although it seems like summer just started a few weeks ago, it’s already time for parents to start budgeting and planning their family’s back to school purchases. One major purchase that comes with going…
    - 6 days ago 20 Jul 16, 7:00am -
  • Have You Reviewed Your Money Goals Recently?
    We hear, all the time, about how important it is to set money goals. But what happens if your money goals no longer make sense? There’s nothing wrong with changing your money goals. In fact, it makes sense to review your money goals regularly to ge…
    - 7 days ago 19 Jul 16, 7:00am -

The Digerati Life

  • Steps To Setting Up A Home Based Small Business
    The steps we are showcasing here are not just applicable for an online business but for any small business. What’s the difference between a hobby and a business? The difference is that losses from a business can be deducted on your taxes (schedule…
    - 4 Mar 13, 11:01am -
  • Paying For Life Insurance: How Policies Are Priced
    We compare low cost life insurance vs commission based policies vs those you can buy through fee only insurance agents. Every financial plan should have a risk management or insurance component. Yes, we all know the importance of life and disability…
    - 6 Dec 12, 8:35pm -
  • Use A Debt Consolidation Calculator To Help You Find A Better Loan
    I use a debt consolidation calculator to illustrate how much you can save with the right kind of personal loan. Today, I’ll cover some ideas on how to become debt free faster. If you’re someone with a strong credit rating but with credit card deb…
    - 30 Nov 12, 3:25pm -
  • How One Homeless Person Lives: Coping With Homelessness
    I’ve discussed how to avoid foreclosure and how to avoid bankruptcy in the past, but in some cases, things don’t work out too well, and there are people who end up becoming casualties of the real estate bust, credit crisis and weak job market. Lo…
    - 26 Nov 12, 10:50pm -
  • How To Eat Healthy & Inexpensively
    Everyone wants to eat healthy these days. Your health is priceless! Many claim, however, that it’s impossible to eat healthy on a limited food budget. But I would beg to differ; cheap meal ideas abound, and there are lots of ways to prepare your fo…
    - 19 Nov 12, 2:13pm -

Free From Broke

  • Why You Absolutely Must Pay Attention to Investing Fees
    It doesn’t seem like much. A 2% management fee for a managed fund. A $9.95 transaction fee when you make a stock trade. There is no getting around fees in the investing world. You’re going to pay them at some point. However, you can reduce what y…
    - 13 May 15, 4:53am -
  • Where’s My Tax Refund? How to Check the Status of Your Tax Refund
    When you are expecting a tax refund, it is normal to file a little bit early. The very next thing you say once you file is “where’s my refund?”  We can’t wait to get that money owed to us. Indeed, many people have already received their tax…
    - 7 May 15, 8:53am -
  • This is Why Your House Isn’t Selling – Here’s How to Finally Get Your House Sold
    You’ve had your house on the market for a while now and you’re asking yourself “why isn’t my house selling?” People sniff around but no one is biting.  What’s going on?!? Yes, the market may have a lot to do with it but houses do sell so…
    - 5 May 15, 6:27am -
  • Don’t Go Broke Celebrating Mother’s Day – 7 Frugal Ideas
    Mother’s Day is quickly approaching!  It’s easily a day you can go crazy taking care of the moms in your life.  And by going crazy I mean spending gobs of cash. It’s hard enough trying to figure out what mothers want for Mother’s Day.  Pa…
    - 23 Apr 15, 6:31am -
  • Free Tax Day Snacks, Giveaways and Deals 2015
    You got all your forms and receipts together to tackle your taxes. Did you file everything yet in or are you still procrastinating? If you are really one of those last minute folks then you better make sure your return is in either electronically b…
    - 15 Apr 15, 4:13am -

All Financial Matters

  • Here’s An Example of an Awesome Entrepreneur
    I saw this video circulating on Facebook. With all the negative stuff going on in the world, it’s nice to come across something positive. This young man reminds me of my boys. Check this out:
    - 6 days ago 20 Jul 16, 11:57am -
  • Yahoo! Finance is Now Useless!
    Well, it happened… All the useful features of Yahoo! Finance have been thrown out the window in the latest “update”. I’m starting to think that “update” is code for “take away features”. Yahoo! Finance was my right hand. It’s like i…
    - 8 days ago 18 Jul 16, 8:20pm -
  • I Like This Judge
    I saw this video this morning on facebook and thought it was worth sharing:
    - 9 days ago 17 Jul 16, 10:32am -
  • S&P Monthly Total Returns Since 1926
    For the first time ever, I am making available the S&P 500 Monthly Total Returns going back to 1926. I originally put this together years ago and have been religiously updating the information each month for the last ten years or so (what a life I ha…
    - 11 days ago 15 Jul 16, 1:43pm -
  • The Average 401(K) Balance is $96,000
    According to the latest Vanguard “How People Save” report, the average 401(K) balance is $96,000, while the median account balance is $26,405 (median age of participant is 46). This does not bode well for the future of America’s retirees. “Ex…
    - 11 days ago 15 Jul 16, 8:46am -

Cash Money Life

  • MyFICO Discounts and Promo Codes – Save Money on Your Credit Score
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at MyFICO Discounts and Promo Codes – Save Money on Your Credit Score.Do you know if you have a good credit score? Chances are, it matters a lot more…
    - 11 days ago 15 Jul 16, 12:52pm -
  • E*Trade Online Brokerage Account Review
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at E*Trade Online Brokerage Account Review.E*Trade is one of the oldest and well-known online stock brokers in the US. E*Trade is an award winning broke…
    - 20 days ago 6 Jul 16, 2:34pm -
  • Citi Price Rewind – Save Money AFTER Making a Purchase
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Citi Price Rewind – Save Money AFTER Making a Purchase.I love it when credit card companies get competitive with each other. For all the bad press…
    - 21 days ago 5 Jul 16, 2:33pm -
  • Where Should You Invest First – 401(k) vs IRA?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Where Should You Invest First – 401(k) vs IRA?.One of the most important things my father taught me about managing money is investing for retiremen…
    - 26 days ago 30 Jun 16, 1:18pm -
  • What Financial Health Means to Me
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What Financial Health Means to Me.We all have financial goals in our lives. Mine have changed through the years, but I can still remember the big one…
    - 27 days ago 29 Jun 16, 9:04pm -

PT Money

  • FreedomPop Review: Truly Free Mobile and Internet Service
    Back in the early dark ages of the Internet, when you still had to dial up to get online, I once naively declared that online access should be free, and that I would never pay for Internet. I have eaten those words on a monthly basis for some time no…
    - 6 days ago 20 Jul 16, 11:46am -
  • Personal Capital: Manage All of Your Financial Accounts in One Place
    If you are looking for a one-stop-shop for all of your financial needs, from budgeting software to investment advice, look no further than Personal Capital. This online investment and wealth management platform offers you a comprehensive program for…
    - 11 days ago 15 Jul 16, 8:00pm -
  • Citi® Hilton HHonors™ Visa Signature® Card 75,000 Bonus Review
    (Limited time 75,000 Promo!) If you’ve ever stayed at a Hilton hotel, you know that in terms of ambiance and overall experience, it’s a touch above the rest.  I’ve had the pleasure of staying in a few different Hilton hotels over the years (al…
    - 26 days ago 30 Jun 16, 9:15am -
  • 8 Things You Need for Your Phone to Protect Your Money
    Mobile technology has provided all of us with a great deal of tools and information at our fingertips when it comes to managing our finances. This certainly can save time and offer a lot of conveniences we didn’t use to have, but is it safe to mana…
    - 26 days ago 30 Jun 16, 5:00am -
  • How Just Talking About Money Can Raise Your Financial Health Score
    We’re just not that financially healthy as a Country. 57% of us Americans are struggling financially. Many of us are struggling with debt or poor savings, and living paycheck to paycheck. What if I told you there’s a way out for us all? I had a b…
    - 27 days ago 29 Jun 16, 1:07am -

Clever Dude

  • Movie Night: How To Have More Fun AND Save Money!
    Movie tickets are expensive enough, but add in popcorn, drinks (of the soft or adult variety) , and maybe a box of candy and you might find yourself shelling out a small fortune just for a few hours of entertainment. We’ve all heard the suggestions…
    - 1 day ago 25 Jul 16, 7:09am -
  • Having a Financial Goal WILL Change Your Behavior
    Goals can be a great motivator. A goal gives a person something to work for, a purpose, and a reason for continuing down a path when things get difficult. I’ve heard many motivational speakers refer to it as your, “Why.” Such a goal can be the…
    - 4 days ago 22 Jul 16, 7:36am -
  • Tipping Adventures: When 20% Just Isn’t Enough
      We’ve all heard suggestions as to how to calculate a proper tip based upon the amount of the bill. There are an infinite amount of opinions, and each person has to figure out where they want to fall on that spectrum. But what if even a generous…
    - 6 days ago 20 Jul 16, 7:51am -
  • July Update: $10,000 Debt Repayment Update
    In June I announced my mission to pay off $9,888.00 in debt by the end of the year. I’ll be utilizing every means necessary to do it, including: Reducing weekly spending Re-starting my mystery shopping side hustle Pick up extra writing jobs Tempora…
    - 8 days ago 18 Jul 16, 4:28am -
  • I Expected A Rebate Check, But Got A Merchandise Credit Instead
    The return address on the envelope indicated my rebate from Menards, a big box hardware store, had arrived. A few months ago I purchased a plastic, put it together yourself shed that was on sale AND had a $50 mail in rebate. I opened the envelope exp…
    - 11 days ago 15 Jul 16, 10:06am -

Dough Roller

  • new32 Ways to Save Money on Childcare
    Full-time child care eats up a huge portion of families’ incomes. In fact, in some states, parents are paying more for child care than they pay in mortgage payments or rent. Whether you’re getting ready for your first baby or just looking for way…
    - 4 hours ago 26 Jul 16, 6:16am -
  • Should You Invest While You Are in Debt?
    So, you owe some money. Whether it’s credit cards, school loans, or a car loan (or all three), you know you need to pay off your debt. At the same time, investment opportunities seem so attractive, particularly if your employer matches 401k contrib…
    - 1 day ago 25 Jul 16, 6:13am -
  • How IFTTT Can Help You Manage Your Finances
    In today’s age, we have a seemingly-endless number of tech resources to help us manage our lives. This holds true in our personal finances, as well —  it’s never been easier to track our money or see where it goes. We now have hundreds of tool…
    - 4 days ago 22 Jul 16, 6:04am -
  • How to Build Saving Habits With These 7 Apps
    Popular wisdom once said that a new habit takes 21 days to become a permanent fixture in life. But according to one newer study, it’s actually closer to 66 days. I’m on a quest to find some powerful apps that will allow me to build a positive sav…
    - 5 days ago 21 Jul 16, 6:33am -
  • Want to Retire Early? You Need to Cut Expenses Now
    It seems that many people under the age of 50 are planning for (or at least dreaming of) early retirement. Making that happen, though, requires a concerted effort. You’ll need to save an outsized percentage of your income, and invest it consistentl…
    - 6 days ago 20 Jul 16, 6:02am -

Stop Buying Crap

My Money Blog

  • newCiti Prestige Card Review: New 40,000 Point Offer, Feature Changes
    Our partner Citi has relaunched the Citi Prestige® Card, their premium ThankYou point rewards card. The sign-up bonus is now 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open. Here are the up…
    - 11 hours ago 25 Jul 16, 11:12pm -
  • Housing Investment Returns = Price Appreciation + Rental Dividends
    Professer Robert Shiller has a new NY Times article entitled Why Land and Homes Actually Tend to Be Disappointing Investments. He computes the historical, long-term inflation-adjusted returns for both farmland and housing: Over the century from 1915…
    - 1 day ago 25 Jul 16, 12:00am -
  • Lifetime Allocation Pie Chart: Learning, Earning, and Returning
    You always see pie charts used to illustrate asset allocation for portfolios. Stocks, bonds, commodities, real estate, etc. How about a pie chart for deciding how to allocate your lifetime: This was one of the “life lessons” provided by entrepren…
    - 4 days ago 22 Jul 16, 12:00am -
  • US Stock Ownership in Taxable vs. Tax-Deferred Retirement Accounts
    If I was going for a clickbait title, I’d say “No one invests in taxable accounts anymore”. The Tax Policy Center has a new report by Rosenthal and Austin about how the share of U.S. stocks held by taxable accounts has dropped significantly ove…
    - 5 days ago 21 Jul 16, 12:00am -
  • Comcast Internet Essentials Review: Affordable Internet Access For Low-Income Households
    Comcast offers an affordable internet access program called Internet Essentials that provides high-speed internet service for $9.95 a month + taxes, a subsidized $150 computer with Microsoft Office, and free digital literacy training to eligible grou…
    - 6 days ago 19 Jul 16, 11:27pm -

Saving to Invest

No Credit Needed

  • A Day Organizing Documents
    2015 has been an incredibly busy year around the old NCN household.  Honestly, I’ve slacked off a bit with my bookkeeping and document organization – so I took a few hours today to clean things up and get things tidy.  I am now much better prep…
    - 30 Dec 15, 5:14pm -
  • How I Find Free, Inexpensive, And Cheap Tools
    Tools for DIY projects can get expensive.  Over the years, I’ve managed to accumulate a pretty decent set of hand tools and power tools – most at discount prices, and some for free.  Here’s how – I shop the discounted / returned items secti…
    - 27 Oct 15, 9:02pm -
  • Paying Off Our Mortgage – Update With Chart September 2015
    It’s time for a new chart!  We are working to pay off our fixed-rate, conventional, fifteen-year mortgage. Our goal is to pay it off in less than 10 years. I use a simple pie-chart to track our progress – and post our updates here at No Credit N…
    - 3 Oct 15, 2:59pm -
  • A Simple DIY Way To Make Mulch
    Like many folks, we have shrubbery beds surrounding our home.  Today, I had a few extra hours after work, so I grabbed my favorite pruning shears and began the process of pruning our shrubs. We have five major shrubbery beds – one for each side of…
    - 19 Aug 15, 11:30pm -
  • Paying Off Our Mortgage – Update With Chart May 2015
    Whew!  We have had a busy few months – but I’m back with an update on our progress to payoff our mortgage.  For those new to the site – We have a fixed, conventional, fifteen-year mortgage. Our goal is to pay it off in less than 10 years. Our…
    - 30 May 15, 6:29pm -

My Two Dollars

  • Millions of American Homeowners Could Refinance and Save with HARP
    This post brought to you by Quicken Loans. All opinions are 100% mine. by Clayton Closson. You read that title correctly. An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case…
    - 12 Jul 13, 10:43am -
  • How I Saved $25/Month With One Call to My Cable Company
    Some people see cable TV as a luxury. Others see it as a waste of money. Like the majority of people, I fall somewhere between the two extremes. Regardless of how you feel about cable TV, you should do whatever it takes to save money on your cable se…
    - 3 Sep 12, 6:10am -
  • 3 Used Car Negotiation Tactics That Can Help You Save
    From a financial perspective, buying a used car as opposed to a brand new car is beneficial in a number of ways. Not only is the asking price lower, but you are in a position to avoid the massive depreciation in value that occurs during the first yea…
    - 23 Jul 12, 7:15pm -
  • The 13 Most Commonly Overlooked Tax Deductions
    With tax time right around the corner, many people are starting to get all their filing information together, such as receipts, donation records, bank statements, and 1099 forms. And while it’s important to make sure you have all the relevant docum…
    - 3 Feb 12, 6:15am -
  • Your Bank Account Full Of Time – How Are You Spending It?
    The other day I came across a saying that made me really give thought to the amount of time I have left in my life and what I want to do with it. Comparing the time I have left to accomplish my goals to the balance in a dwindling bank account made me…
    - 26 Jan 12, 12:46am -

Budgets are $exy

  • A Simple Spreadsheet on “When You Can Retire” (And Also How Long You Have Until Death!)
    One of the cool things about running a blog is that sometimes people send you cool stuff. You get a bunch of crap/spam/nonsense as well, but fortunately the gems help make up for it :) (Here was the last piece of fan mail I received – “I don’t…
    - 1 day ago 25 Jul 16, 3:02am -
  • How To Make Nutritious Meals for $1 – $2/Day Per Person
    Happy Friday y’all! Had a blast from the past when this AWESOME comment popped up, and thought it was helpful to share in case anyone else is struggling with keeping their food costs down :) If you were around last year, you might remember a post w…
    - 4 days ago 22 Jul 16, 3:04am -
  • One Minute Goal Setting For Your Finances
    “Secondhand books are wild books, homeless books, they have come together in vast flocks of veriegated feather, and have a charm which the domesticated volumes of the library lack.” – Virginia Woolf One of my favorite places to visit every year…
    - 6 days ago 20 Jul 16, 3:02am -
  • How to Quit Your Job in Style
    Hey guys! Back from the beach and was going to blog a little about it, but then came across this article in my inbox and found it much more entertaining than what I was going to write about, haha… So enjoy this guest post by Finance Superhero inste…
    - 8 days ago 18 Jul 16, 3:04am -
  • How I Earned Over $600 Hustling Craigslist “Gigs”
    [Happy Friday! Still kicking it at the beach, so please enjoy a killer article today by Jeffro from He spent a whole month experimenting with Craigslist gigs and made some pretty good money off it! Hope this gives you some idea…
    - 11 days ago 15 Jul 16, 3:02am -

Smart On Money

  • Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff
    The problem with co-signed loans is that far too often people don't know what they're signing up for. Here's why co-signing is a bad idea.The post Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff appeared f…
    - 54 days ago 2 Jun 16, 5:58am -
  • Where Can I Check My State Income Tax Return Refund Status?
    Filers are waiting expectantly to see when they can expect to receive their tax refund. Here's where you can view your state income tax return status.The post Where Can I Check My State Income Tax Return Refund Status? appeared first on Smart On Mon…
    - 82 days ago 5 May 16, 12:59pm -
  • How To Protect Your Identity While Traveling
    With a little planning, it's possible to reduce the chances of having your identity stolen while you travel. Here are some tips to help you protect yourself.The post How To Protect Your Identity While Traveling appeared first on Smart On Money and w…
    - 1 Dec 15, 3:44pm -
  • Do You Know What REALLY Affects Your Credit Score?
    Many consumers are aware that a credit score is an important part of their finances. But do you really know what affects your credit score?The post Do You Know What REALLY Affects Your Credit Score? appeared first on Smart On Money and was written b…
    - 8 Oct 15, 5:57am -
  • 10 Ways To Save Money When You’re On A Tight Budget
    The economy has been in a tailspin, and folks are looking to cut back. Here are some ways to save money until you get back on your feet.The post 10 Ways To Save Money When You’re On A Tight Budget appeared first on Smart On Money and was written b…
    - 2 Jul 15, 5:08am -

Financial Samurai

  • How To Develop Emotional Intelligence: The Key To An Easier Life
    EQ is more important than IQ. I don’t care how smart you are, if you are a weird selfish prick, you won’t get as far as someone who is less smart, but gets along with everybody. In a previous post, I discussed how I was able to stay at a $2,000/…
    - 1 day ago 25 Jul 16, 3:18am -
  • Guilt-Free Travel Hacking: Finally Living Large On A Modest Budget
    Synopsis: When we’re not talking about ways to make more money to help other people and live better lives, we’re talking about ways to save money on fantastic experiences. This post is part 1/2 of a travel hack rarely discussed. It sets up the…
    - 4 days ago 22 Jul 16, 3:38am -
  • Why Is Healthcare So Expensive? Hint: Look In The Mirror
    As a healthy 39 year old male who doesn’t have a day job, I pay roughly $700 a month for healthcare in the US. I’ve often wondered why healthcare costs so much in America when it’s free or extremely affordable everywhere else in the world. Desp…
    - 6 days ago 20 Jul 16, 3:38am -
  • Negotiate Better Deals With BATNA: A Winning Uber Transaction
    Last year, after playing an afternoon tennis match at my club, I decided to switch on my Uber driver app to try and catch a fare heading home. Making money by going in a direction I planned to go anyway feels great if it works. This was before Uber c…
    - 8 days ago 18 Jul 16, 4:18am -

Fiscal Fizzle

  • Comfortable Living Must Include Providing for Retirement
    There are many ingredients needed if you are to ensure a comfortable and satisfying life. Health is certainly one of them and finance is another. When it comes to the latter the importance of money management can never be overestimated. Anyone settin…
    - 30 Sep 15, 5:27pm -
  • Top Tips for Inventory Control Policies that Work
    Once you’ve invested in a point-of-sale system and worked on taking your inventory live, you’re going to need to put policies in place to keep your inventory from backsliding to zombie status. Setting up these policies is easy, and you should hav…
    - 31 Oct 14, 10:22am -
  • Short and Long-Term Financial Planning
    Planning for the future may be seem like a daunting task for many hard-working individuals. At some point, it becomes important to make long-term plans for personal finances. Insurance companies offer financial services that are just as diverse and v…
    - 14 Oct 14, 7:51pm -
  • Tips When Shopping for Tires at Costco and Sam’s Club
    I recently bought a new set of tires at Costco, and bought my last set at Sam’s about 3 years ago (for another car), so today’s post is simply a quick overview on how to get the most out of your tire purchase if you … Continue reading Tips When…
    - 18 Sep 14, 7:29am -
  • Avoid These Mistakes With Inherited IRAs
    As with many retirement and savings options, there are clauses located in the small print which relate to many aspects of how the money is handled. This can include anything from how and when it’s appropriate to withdraw money, and what happens if…
    - 30 Jul 14, 7:20am -

Green Panda Treehouse

  • How to Choose a Good Credit Card For Your Needs
    Are you looking for a new credit card? If you’re in the market for a new piece of plastic, you’re likely debating what you should be looking into. A few common questions usually arise: What are the best credit cards? What should I expect from a…
    - 30 May 14, 4:00am -
  • Non-Qualified Annuity – A Strategy That Works
    Annuities are probably the most complex “beast” in the financial world. As if it isn’t enough, life insurance companies multiplied product varieties to make sure they are the only ones who can understand (and sell!) annuities. One of the most f…
    - 5 Apr 14, 10:27am -
  • Why Become An Internet Marketing Specialist
    Internet marketing is a rapidly growing industry. Most companies can’t afford to neglect their online presence in a market where people look for information online before making so many decisions. Internet marketers help businesses develop their on…
    - 28 Mar 14, 12:31pm -
  • Writing Your Business Plan: What Not to Include
      Your business plan is an important document. It is what can secure the funding you need to start or grow your business. While there are some simple things you can do to create a brilliant business plan, there are also some things you can do that m…
    - 28 Feb 14, 9:51am -
  • A Simple Guide to First Home Buyers
        For most people in their 20s, buying their first house will become the most important transaction of their life. When you think about it, this will be the biggest loan ever taken and you will buy your biggest asset with it. What if you borrow t…
    - 7 Feb 14, 6:37am -

Len Penzo

  • newTired of Airport Hassles? Try Private Jet Service. (No, Really!)
    Think about your typical airport experience: You arrive several hours before your scheduled flight, wait in line, deal with security, grab a stale sandwich from a terminal coffee shop and trudge to your gate — only to discover your plane is delayed…
    - 4 hours ago 26 Jul 16, 6:15am -
  • My Son’s “Free” Car: What We’ve Got Here Is a Failure to Communicate
    My teenage son, Matthew, turned 14-years-old last month, so I probably shouldn’t have been surprised when he recently broached the topic of getting a driver’s license on his 16th birthday while I was driving us to the golf course to play a round…
    - 1 day ago 25 Jul 16, 6:15am -
  • Black Coffee: The Greatest Lie Ever Told — and Other Fish Stories
    It’s time to sit back, relax and enjoy a little joe … Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance. Okay, off we go … Credits and Debits C…
    - 3 days ago 23 Jul 16, 6:15am -
  • How Can I Find My Credit Score for Free?
    Readers: This is article 18 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. Your credit score is a financial report card that tells lenders how risky it is to do business with you. The higher your score, the more likely you…
    - 4 days ago 22 Jul 16, 6:15am -
  • The Benefits of Taking a Reverse Mortgage Now vs. Later
    There isn’t a right or wrong time to get a reverse mortgage but, depending on your personal retirement goals, the earlier you choose to get a reverse mortgage, the greater the potential gain may be down the road. Reverse mortgages allow homeowners…
    - 5 days ago 21 Jul 16, 6:50am -

Lazy Man and Money

  • Rhode Island’s New CollegeBound Saver is Great!
    Editor's Note: While I usually try to write for a national audience, today's topic is more fitting for residents of my state, Rhode Island. However if you stick around until the end, you might have a chance at some free money. It's good to be back to…
    - 1 day ago 25 Jul 16, 9:33am -
  • The End of An Era and The Beginning of a New One
    This Saturday we lost electricity... and along with it my old Dell Zino. I first wrote about it when I looking to do my digital media overhaul in August 2011. It's a fun article to reflect upon. I had two $99 HP Touchpads coming to the house the next…
    - 7 days ago 19 Jul 16, 8:00am -
  • Herbalife Settlement: Quick Reactionary Thoughts
    I checked into my stock watchlist this morning to see Herbalife stock up around 20%. That was my first indicator that the FTC/Herbalife settlement must have been announced. Sure enough... the news headlines were, "Herbalife declared NOT a pyramid sch…
    - 11 days ago 15 Jul 16, 10:44am -
  • My Ideas for “The Big Short: Part 2”
    Last night, I finally got around to watching The Big Short. I had rented it on Amazon for a $1, but it sat around. Yesterday I got an email from Jim Wang of Wallet Hacks that he had just watched it on Netflix. He wrote the following: "When it came ou…
    - 12 days ago 14 Jul 16, 11:33am -
  • What You Can Do To Get Your First Paid Freelancing Client
    The following is a guest post from Martin of Studenomics, where he writes about financial freedom in your 20s without missing a party. For more tips, check out his book, Next Round's On Me. "He said that I didn't charge enough so he offered me more m…
    - 13 days ago 13 Jul 16, 7:30am -

Mighty Bargain Hunter

  • Reward sites and math (don’t be scared)
    A lot of reward sites have their own system of rewards.  But what are these really worth? I’ve used both MyPoints and Swagbucks to get gift cards for doing such things as reading emails, doing web searches, and other low-stress, quick-turnaround a…
    - 2 days ago 24 Jul 16, 12:59am -
  • Buying in bulk when it’s too much
    Buying in bulk is great if you can consume it all, of course.  But what if you can’t? Quantity discounts, used appropriately, are one of the pillars of frugal living.  Why go to the store for one smallish package of toilet paper when you can hit…
    - 3 days ago 23 Jul 16, 12:07am -
  • Seven tips for cheap precious metal investing
    Precious metal has a place in many portfolios.  Here’s a way to accumulate inexpensively … Investing in commodities can be part of your investment portfolio.  Precious metals like gold, silver, and platinum behave differently than other invest…
    - 7 days ago 19 Jul 16, 12:01am -
  • Amazon Prime and Prime Day
    We love Amazon Prime.  Prime day is just another reason to love it. I admit I was wondering why Amazon was hyping up Prime Day, which is today, July 12th 2016. We’ve had our Amazon Prime subscription for years (at least back to 2008!)  We’ve c…
    - 14 days ago 12 Jul 16, 2:45am -
  • Rebate site with a twist: Lemoney
    This rebate site has a component I haven’t seen in this context … I love that there are a number of rebate sites.  Competition is good, because it means better deals for everyone. Each rebate site has its own methods for getting its members to u…
    - 18 days ago 8 Jul 16, 1:50am -

Personal Dividends

  • Why You Need to Include Stocks in Your Retirement Portfolio
    Many of us understand that one of the most important things that can be done for your finances is to save for retirement. Getting started early is one of the best ways to take advantage of compound interest and build a nest egg that can handle just a…
    - 30 Nov 15, 1:06pm -
  • 5 Credit Myths You Should Stop Believing Now
    We all believe things that aren’t true. Sometimes myths become so prevalent that we just take them at face value. When it comes to credit myths, though, you need to be especially careful. The myths you believe about your credit report and your cred…
    - 16 Sep 15, 4:53am -
  • Positive Financial Changes: Don’t Forget Your Health
    This is a sponsored post that contains affiliate links. Making positive financial changes is an important part of staying on top of your situation and ensuring that you don’t run out of money before you run out of month. This year has been a great…
    - 14 Sep 15, 10:59am -
  • Tips for Meeting Other Business Owners
    When you run a business, one of the best things you can do is connect with other business owners. Meeting other business owners can allow you to find partners and mentors. At the very least, you can connect with people who might be able to provide yo…
    - 8 Sep 15, 6:00am -
  • What You Need to Know About Employers and Your Credit Report
    One of the rising trends in employment is the reality that you might need to agree to a credit check as part of your employee background check. If you are out on the job hunt, here is what you need to know about credit checks and your employer: Bad C…
    - 17 Jul 15, 12:32pm -

Money Crashers

  • What Is Preferred Stock vs. Common Stock – Definition, Pros & Cons
    Once upon a time, preferred stocks were a popular investment with companies and investors. Combining elements of debt and equity, preferred stock was an ideal issue for businesses that lacked the physical assets to collateralize debt or could not at…
    - 4 days ago 22 Jul 16, 2:45pm -
  • 4 Air Conditioning Alternatives to Stay Cool This Summer
    The first apartment I lived in as an adult was on the second and third floors of a building, above a store. The kitchen and living room were on the second floor, and the bedrooms and bathroom were on the third. As you can imagine, it got pretty hot i…
    - 5 days ago 21 Jul 16, 7:15am -
  • 12 Ways to Buy a Cheap Unique Wedding Dress on a Budget
    The average price of a wedding dress in the United States is just over $1,200, though the final cost depends heavily on the geographical areas. According to statistics published in Huffington Post, brides in Manhattan spend an average of $3,027 on t…
    - 6 days ago 20 Jul 16, 10:45am -
  • Best Way to Pay Off Debt – Snowball vs. Avalanche vs. Snowflaking
    If you’re like most Americans – about 80% of all Americans, according to The Pew Charitable Trusts – you have some form of debt. And chances are, you already know what you need to do to pay off that debt: either cut your expenses, or find some…
    - 8 days ago 18 Jul 16, 10:00am -
  • How to Draft a Freelance Contract Agreement – Template & Clauses
    Whether you plan to piece together a full-time-equivalent income through independent contractor gigs, or simply wish to earn side income, working as a freelancer is a great way to explore your personal creativity, pursue new professional relationship…
    - 12 days ago 14 Jul 16, 9:00am -

The Military Wallet

  • New Military Retirement Plan – Military Bloggers Discuss The Pros and Cons
    This article was originally published on The Military Wallet at New Military Retirement Plan – Military Bloggers Discuss The Pros and Cons and is protected by US copyright laws.The new blended military retirement plan will take effect in January 2…
    - 7 days ago 19 Jul 16, 3:19pm -
  • Understanding the Military Survivor Benefit Plan
    This article was originally published on The Military Wallet at Understanding the Military Survivor Benefit Plan and is protected by US copyright laws.The Survivor Benefit Plan was created to provide a continued source of income for survivors of mil…
    - 26 days ago 30 Jun 16, 7:49pm -
  • Armed Forces Vacation Club – Discounted Resort Stays for Our Nation’s Military Members
    This article was originally published on The Military Wallet at Armed Forces Vacation Club – Discounted Resort Stays for Our Nation’s Military Members and is protected by US copyright laws.Would you like to save money on your next vacation? Well…
    - 27 days ago 29 Jun 16, 9:37am -
  • Hale Koa Hotel & Resort
    This article was originally published on The Military Wallet at Hale Koa Hotel & Resort and is protected by US copyright laws.My family and I just returned from an amazing family vacation on the Hawaiian island of Oahu, where we stayed at the Hale K…
    - 35 days ago 21 Jun 16, 3:54pm -
  • What Happens When You Die? How Your Survivor’s Benefits Can Provide for Your Family if You Die
    This article was originally published on The Military Wallet at What Happens When You Die? How Your Survivor’s Benefits Can Provide for Your Family if You Die and is protected by US copyright laws.What happens when you die?  It’s an important q…
    - 50 days ago 6 Jun 16, 5:58am -

Deliver Away Debt

  • How to Stop Worrying about Money

    - 7 days ago 19 Jul 16, 4:18pm -
  • Debt Freedom is a Lifestyle, Not Just a Goal
    I have a  family member who uses smokeless tobacco, which caused oral cancer in his lip and soft palate.  Thankfully, the doctors were able to remove the cancer with surgery. This was more than 7 years ago, but unfortunately he still uses smokeless…
    - 10 days ago 16 Jul 16, 5:31pm -
  • Bank Of America Sold My Checking Account
    Have you ever had one those moments where you realized that you don’t know how the world works? Like, you thought you had a handle on the flow of things, but then something happens and you realize “I have no idea what’s going on.” Well, it ha…
    - 12 days ago 14 Jul 16, 12:21pm -
  • Sometimes I’m Just a Kid in a Candy Store, With a Credit Card
    Please save me from myself! I am a 35 year old level-headed father (oh, and a personal finance blogger), and yet I still have those moments where wise spending and self control just fly out of the window.  Sometimes I still don’t feel ready for ad…
    - 18 days ago 8 Jul 16, 5:11am -
  • The Perfect Life – Uh Oh

    - 21 days ago 5 Jul 16, 2:03pm -

Dual Income No Kids Finance

  • Spending Less on Food
    Hello, Dinks. The amount of money that people spend on food can be quite high. Some folks don’t even have a food budget. They just go to the store and buy what they want. They worry about the cost later. As Dinks, I know that you are focused on doi…
    - 1 day ago 25 Jul 16, 4:30am -
  • Why Some Need to File for Personal Bankruptcy
    Bankruptcy is something that I haven’t dealt with, and I hope never will. Even though I’m in a lot of debt, I’m able to handle it. Because I can make payments on it, I see my debt getting lower. Unfortunately, everyone isn’t in that position.…
    - 4 days ago 22 Jul 16, 4:30am -
  • How to Have Fun on A Budget
    Many people are looking to save money in all aspects of their lives. That includes the entertainment category. In the past, I’ve written about frugal date ideas. Today, I want to go over a few ways that you can have fun even if you are on a budget…
    - 6 days ago 20 Jul 16, 4:30am -
  • Money Habits to Change
    Many people have a hard time with their money for some reason. They struggle for numerous reasons. Maybe they weren’t educated correctly about it when they were kids, or they might have the yolo mentality. Whatever the case is, that needs to stop.…
    - 8 days ago 18 Jul 16, 4:30am -
  • Auto Insurance Tips That Can Pay Off
    Searching for dependable auto insurance can be tough. It could be confusing in the beginning. Some people just sign up for the first insurance company that they see. That’s not the smartest thing to do because you could be overpaying for it. Keep r…
    - 11 days ago 15 Jul 16, 4:30am -

Generation X Finance

  • Starting a Business
    This is the part of our 2003 update. This update I am doing a little bit different than our 2002 update.  I am breaking it up into several consecutive posts and the last post will have the net worth update for 2003 followed by a glance at our 2003 b…
    - 23 Jul 14, 9:45am -
  • How I Became a Used Car Dealer, for a little while
    This is the beginning of our 2003 update.  This update I am doing a little bit different, I am breaking it up into several consecutive posts and on the last one I will post the net worth update for 2003 followed by a glance at our 2003 budget. By do…
    - 14 Jul 14, 10:30am -
  • How Much Should You Spend on an Engagement Ring?
    How much will you spend on your wedding ring? Jewelers recommend you spend 2-3 months of your salary on a wedding ring. Back in the day, when I was a single college student in love, I remember asking myself this question. I was all set to propose to…
    - 2 Jun 14, 6:35am -
  • How I Became A Millionaire Yearly Update 2002
    Starting with a net worth of less then zero to having a net worth over a million before I was 30, this series will show you how my family and I did it. This is the first of the series of my journey to becoming a millionaire in eight years, or shoul…
    - 6 Feb 14, 4:51am -
  • Maximum 401k Contribution for 2014 Has Been Announced
    Each year the Internal Revenue Service sets the maximum amount of contributions a person can make toward their 401k plan. On Thursday October 31, the IRS announced that the contribution limit will remain unchanged for 2014, here. The amount maximum c…
    - 20 Nov 13, 7:30am -


  • How do you stay motivated when you fail at everything?
    “Failure should be our teacher, not our undertaker. Failure is delay, not defeat. It is a temporary detour, not a dead end. Failure is something we can avoid only by saying nothing, doing nothing, and being nothing.” – Denis Waitley What happen…
    - 7 days ago 19 Jul 16, 7:44am -
  • How-to Become The Most Interesting Man in The World
    “You’re like the most interesting man in the world.” I said this to someone when I was a teenager and I suddenly realized that I needed to become more interesting. How many times have you wished that you could be that interesting person? Most…
    - 20 days ago 6 Jul 16, 4:00am -
  • What You Can Steal From Successful People About Making Lots of Money
    When you hang out with losers, you become a loser. You never see how to become successful when you’re busy whining with the same friends that you always whine with. When you hang around successful people, you see what makes them different. Over the…
    - 31 days ago 25 Jun 16, 4:48am -
  • Making money on the side in your 20s
    Let’s say you’re lucky enough to secure an employment right out of college and you start earning what initially appears to be cool cash. Next, you’d want to move into a befitting apartment and, of course, furnish it. Eventually, bills start pil…
    - 33 days ago 23 Jun 16, 8:34am -
  • Should You Go Back to School in Your 20s? You’ll Know After Reading This
    “I don’t know what I want to do. I might just go back to school. “ This is the worst idea ever. Never go back to college just because you’re not happy with your job or you don’t know what you want to do next. You won’t figure anything out…
    - 77 days ago 10 May 16, 4:00am -

Money Crush

  • 5 Things You Can Do with $5 (Or More) a Week to Improve Your Future
    You might be surprised at what a difference even 5 bucks can make. Here are 5 simple things you can do with $5 a week to improve your future: 1. Make an extra payment toward your debt. Many lenders will allow you to make multiple payments each month…
    - 1 day ago 25 Jul 16, 6:00am -
  • What Financial Health Means to Me
    If you’d asked me what financial health meant several years back, I’d likely have answered with “Being able to pay all my bills without running out of money”. That’s because I was in debt and struggling to make ends meet. (I wasn’t alone,…
    - 27 days ago 29 Jun 16, 6:00am -
  • Sell High, Buy Low
    Now I won’t pretend to know what the stock market is going to do. It might implode, it might skyrocket, or it might stagnate — or even do all three on the very same day. Who knows. But I do know that one of the (many) strategies for making money…
    - 64 days ago 23 May 16, 6:00am -
  • The Entrepreneurial Money Mindset
    As an entrepreneur, have you ever thought that all your money worries would go away if your business took off and became successful? Well, the truth is that money worries don’t go away unless and until you address them. It’s not outside success t…
    - 92 days ago 25 Apr 16, 6:00am -
  • How to Create a Grocery Pricebook
    Have you ever gone shopping for groceries and stocked up on things, only to find out that they went on sale the following week? It’s annoying, right? I don’t know about you, but I hate spending more than I need to on the items I buy on a regular…
    - 7 Apr 16, 6:00am -

Wealth Informatics

  • Strider bike review: Is a balance bike worth the money for a toddler?
    Strider bike review: Is a balance bike worth the money for a toddler? is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. My first introduction to balance bikes was when my daughter was ab…
    - 6 Oct 15, 10:34pm -
  • Money and Control in Your Marriage
    Money and Control in Your Marriage is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. When I was a stay-at-home mom, way back in the late 1970s, I resented the way my spouse seemed to fee…
    - 10 Mar 15, 11:53am -
  • TurboTax Discounts & Coupons : Where to find the cheapest price? (updated for 2014)
    TurboTax Discounts & Coupons : Where to find the cheapest price? (updated for 2014) is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. Updated on Feb 10, 2015 for 2014 Tax year TurboTax d…
    - 10 Feb 15, 11:24pm -
  • Funding the Next Generation via Christmas Gifting
    Funding the Next Generation via Christmas Gifting is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. There is a cute commercial on television this year, showing a child eagerly opening a…
    - 19 Dec 14, 4:00am -
  • Often Neglected Home Cleaning and Maintenance
    Often Neglected Home Cleaning and Maintenance is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. When you buy a different home, especially a pre-owned one, you often don’t get much in t…
    - 5 Nov 14, 4:00am -

Engineer Your Finances

  • How to Network Effectively
    Networking is one of the most important things that you can do. It can literally change your life. These days it’s more about who you know than what you know. People are willing to share opportunities with people they know than with complete strang…
    - 1 day ago 25 Jul 16, 4:30am -
  • Making Money While Unemployed
    In the past month, I’ve talked about different ways that people can make money if they are unemployed such as selling shoes on eBay and selling things on Craigslist. Those aren’t the only ways to make money while you’re unemployed. Today, I wan…
    - 6 days ago 20 Jul 16, 4:30am -
  • Getting Organized for a Job Search
    If you’ve been unemployed for a while, enough is enough. It’s time to get back on track. It’s time to find a new job. You are ready to start back working, but you’ve been a little down ever since you lost your previous job. Today is the day t…
    - 8 days ago 18 Jul 16, 4:30am -
  • 4 Places to Find a Used Car
    A lot of people get new cars, but they can barely afford them. They have massive car notes that can be over $600 per month. If you’re reading this, I know that you probably don’t have a car note that high. You may not even purchase new cars beca…
    - 13 days ago 13 Jul 16, 4:30am -
  • What to do if You’re Fired?
    Being fired happens to a lot of people. It happened to me once in college. Depending on the job you may go through different emotions. Some of you may have hated the job so you will be happy while others could have loved their position so much that t…
    - 15 days ago 11 Jul 16, 4:30am -

Early Retirement Extreme

  • newWhat spatula would a Marine choose?
    I am not a US Marine, but I have watched a lot of war movies, which I believe makes me an eminently qualified arm chair general with some say in the preferences of military personal, or maybe not. Anyway, one of my favorite war movies is Heartbreak R…
    - 7 hours ago 26 Jul 16, 2:56am -
  • newTravel, tourism, and living abroad
    A couple of weeks ago I posted the controversial statement that travel is not worth it. This elicited many comments and so it is obviously something people feel strongly about. I think, therefore, I should clarify things a bit. First some definitions…
    - 19 hours ago 25 Jul 16, 2:54pm -
  • Why so few succeed
    If you want to become financially independent in 10 years, Todd over at the makes a cogent case for how the math works. The extreme savings method is robust unlike other methods such as real estate or businesses which require a go…
    - 1 day ago 25 Jul 16, 2:48am -
  • I just started an exercise program – what should I expect?
    There are certain physiological changes that can be demotivating to starting on an exercising program. These changes take place within the first 1-2 months which is about the time most are willing to give something a try (witness my failure to switch…
    - 2 days ago 24 Jul 16, 2:40pm -
  • Are you suffering from careerism?
    Careerism is the idea of concentrating your “being the best you can be” efforts on your workplace or work activities, your work setting. Careerism is fairly wide spread along with its modern sibling consumerism which is the idea that satisfaction…
    - 2 days ago 24 Jul 16, 2:38am -

Darwin's Finance

  • Individual Investors Make Terrible Decisions – So STOP Making Them!
    I just came across yet another report (Marketwatch) demonstrating the abysmal state of US retail investor performance compared to basically doing nothing.  We just can’t help ourselves.  Based on this latest research of 20 years of data, here are…
    - 29 Jun 13, 12:02pm -
  • Rates Are Finally Spiking – What it Means
    After years of (artificially) depressed interest rates on everything from US Treasuries to savings vehicles like money markets and CDs to borrowing rates for consumers, we finally saw a spike in interest rates in May.  If rates keep rising at a simi…
    - 31 May 13, 8:58am -
  • Why the Rich Keep Getting Richer
    There’s a recent headline making the rounds of late showing that the rich keep getting richer while the rest either tread water or fall behind.  Consider this recent report by Pew Research and I’ll share my thoughts below: During the first two y…
    - 30 Apr 13, 2:29pm -
  • How Obama Goosed the Jobs Numbers and Why It’s Much Worse Than Media Portrayals
    As long as I can remember, people have always complained about the accuracy of government-reported statistics and claims.  For instance, every year, the government reports that the measure generally regarded as a barometer for inflation everyday Ame…
    - 29 Mar 13, 3:38pm -
  • Yahoo’s Work From Home Controversy – Thoughts and Your Opinions
    This past week, Yahoo’s CEO Marissa Mayer announced a ban on employees working from home.  This, in a culture where many, many employees were used to doing this for years.  Here are a few thoughts on this particular announcement, implications for…
    - 26 Feb 13, 7:36am -

Couple Money

  • Road Trip Ideas to Maximize Fun and Not Break Your Budget
    Summer is quickly approaching and for some couples and families it’s vacation season. Flying to your destination may not be feasible, but that doesn’t mean that a long and hectic road trip is on your agenda. Driving may be a great way to enjoy yo…
    - 1 day ago 25 Jul 16, 5:58am -
  • Paying Off Debt as a Couple
    Are you two dealing with debt? Learn how you can approach it so you’re fighting the debt and not each other.  Note: This is a question I received from a reader and he kindly agreed to let me share his situation along with my response. (some detai…
    - 5 days ago 21 Jul 16, 5:25am -
  • Quick Money Tips for Travelers
    Sometimes we label ourselves as tourists without even knowing it. Whether it’s your face buried in a map or your trendy NorthFace backpack (akin to an American flag in some countries), it’s easy to get targeted by local pickpockets. But these day…
    - 8 days ago 18 Jul 16, 5:30am -
  • How to Balance Your Checking Account
    Learning how to balance your checkbook can help you spot money leaks, avoid fees, and help you move closer to your financial and personal goals. Why You Need to Balance Your Checking Account As much as I love apps, sometimes going old school can be a…
    - 15 days ago 11 Jul 16, 5:35am -
  • What’s a Good Credit Score? How Do You Fix a Bad One?
    Learn how your credit score is calculated and how you can increase it to get better deals on your mortgage, insurance, and more.  If the two of you are planning on refinancing your mortgage or buying a house with a loan in the near future it’s imp…
    - 30 days ago 26 Jun 16, 5:00am -

My Journey to Millions

  • The Best Ways to Stay Comfortable and Healthy on a Long Flight
    If you’re a frequent business traveler, you may sometimes struggle with the constant grind of going on multiple long haul flights a year. Frequent air travel can sometimes make you feel sluggish or under the weather, even when you’ve long since l…
    - 14 days ago 12 Jul 16, 6:48am -
  • Starting Fresh In eCommerce: The Systems I Would Have Chosen
    There are many different types of businesses that are tempting when you begin to scratch the itch of entrepreneurism. These business ideas will come about based on costs, competition, and overall demand for the product. If there is at least one const…
    - 17 days ago 9 Jul 16, 3:26pm -
  • Top Discounts on Car Insurance
    In today’s world anything you can find a discount on can be a real help to the wallet, right? That’s why we have put together this list of the top discounts you can get on your car insurance. Now, remember some of these might apply to you while o…
    - 46 days ago 10 Jun 16, 12:30pm -
  • Peer to peer lending – A good alternative investment
    As a reader of this blog, I’m betting you and I have a similar approach to wealth and investing – Putting money into diverse investments over time, building our financial reserves, and carefully balancing risk and reward. That means you’ve run…
    - 48 days ago 8 Jun 16, 4:00am -
  • What to Keep in Mind When Looking for a House to Lease
    If you have been shopping around on websites such as DDProperty in search of the perfect house for your new potential business, you must take into account several factors that go into choosing a good candidate for leasing out to tenants.  If you do…
    - 49 days ago 7 Jun 16, 1:17pm -

Enemy of Debt

  • new3 Rules You MUST Follow When Shopping
    Enemy of Debt - 3 Rules You MUST Follow When ShoppingI love lists. I mean, I really really love lists. Especially when shopping. To me, going shopping is like a military mission. I have my orders…I mean my list, I get in, fulfill my orders, and ge…
    - 20 hours ago 25 Jul 16, 1:45pm -
  • Save Money On IAMS Dog Food + Gift Card At Target!
    Enemy of Debt - Save Money On IAMS Dog Food + Gift Card At Target!This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #IamsDogDeal #CollectiveBias Give your dog some love! Save 5% with Cartwheel,…
    - 1 day ago 25 Jul 16, 9:29am -
  • Fist Pump Friday: I Love You Like A Blogger Roundup -7/22
    Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup -7/22Walking through the aisle at Walmart, my head snapped as if I had been slapped in the face.  What in the world are school supplies doing out already?  Summer is just getting…
    - 4 days ago 22 Jul 16, 9:36am -
  • 5 Things That Happen When You Spend Only Cash
    Enemy of Debt - 5 Things That Happen When You Spend Only CashIn Friday’s roundup post, I mentioned that my wife and I were restarting our methodology of spending cash only for our day to day expenditures.   Here’s a brief look at how it works:…
    - 4 days ago 22 Jul 16, 12:02am -
  • Fist Pump Friday: I Love You Like A Blogger Roundup – 7/15
    Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 7/15Happy Friday, EOD Nation!  Not only is it Friday, but it’s pay day.  My wife and I have fallen off the cash only weekends bandwagon, and we’ve decided that we’re jum…
    - 11 days ago 15 Jul 16, 10:45am -

Peak Personal Finance

  • National Penn Online Banking October 2014
    With this National Penn online Banking October, 2014 update all customers of this financial institution can be informed on just how they can manage their money 24/7. One of the biggest differences with the National Penn electronic banking as compared…
    - 31 Oct 14, 5:00am -
  • M&T Online Banking October 2014
    This M&T online Banking October, 2014 update is about what is available from this Buffalo based financial institution for its customers to use. It is referred to as M&T Web Banking. The M&T electronic banking has all of the more common features other…
    - 10 Oct 14, 5:00am -
  • GE Capital Online Banking September 2014
    This GE Capital online Banking September, 2014 update is about the financial institution that was named Best Bank by Money Magazine last year. One of the shining points of the GE Capital electronic banking is their online savings accounts. This accou…
    - 19 Sep 14, 5:00am -
  • MB Financial Online Banking August 2014
    This MB Financial online Banking August, 2014 update can help provides the necessary information for you to maneuver this website and manage your money to fit your needs. The web address is This is the portal that makes it all possible.…
    - 29 Aug 14, 5:00am -
  • Luana Savings Online Banking August 2014
    In this Luana Savings online Banking August, 2014 update is information about just what this Iowa based financial institution has to offer their customers. This past year they made the list of the National Top 100 Farm Lender of America. They are als…
    - 8 Aug 14, 5:00am -

Simple Financial Lifestyle

  • Simple Inspiration Interview with Jim Wang
    This week I am happy to have an oldie but goodie with us.  I am not sure if Jim will like me calling him old because he is not.  But he has blogged for a long time and some consider him one of the godfathers in personal finance. I am sure many of y…
    - 3 Sep 15, 6:00am -
  • Simple Inspiration Interview featuring Barbara Friedberg
      Welcome to this week’s Simple Inspiration Interview.  With this week’s stock market volatility, I happy to interview Barbara Friedberg. Barbara Friedberg Personal offers: A one stop destination for investing and wealth building st…
    - 28 Aug 15, 6:00am -
  • Simple Inspiration Interview with Phil Ash from Baton Investing
      Hope you are enjoying the Simple Inspiration Interviews and that they are providing you with thoughts and ideas on how you can simplify your finances.  This week I am interviewing Phil Ash from Baton Investing.  He discusses how he has simplifie…
    - 13 Aug 15, 6:00am -
  • How to Simplify in case you lose your wallet?
      If you lost your wallet or purse would you remember everything you had in it?  Misplacing your wallet or purse is a terrible feeling.  I know I would not remember every item in my wallet.   I do know I have carry a credit card or two as well a…
    - 11 Aug 15, 6:00am -
  • Simple Inspiration Interview featuring Emma from Money Can Buy Me Happiness
      Welcome to this week’s Simple Inspiration Interview.  This week I have a chance to welcome Emma from Money Can Buy Me Happiness. Emma is from New Zealand and married to an Irishman. The sheer distance between the two countries is her motivatio…
    - 6 Aug 15, 6:00am -

Financially Poor

  • How To Find Great Growth Consultancy Companies
    It is really difficult to grow a company these days. The main reason for this is that the competition is so much stronger than it used to be. In every single niche there are companies that you will compete with and taking everything to the next step…
    - 2 days ago 24 Jul 16, 3:12pm -
  • Should Needy Seniors Be Given Help?
    My time as a bankruptcy counselor allowed me to hear a lot of stories of what people were going through and how they got to the point of bankruptcy. For the most part it was sad stories with people that were older and just didn’t have the money to…
    - 4 days ago 22 Jul 16, 2:43pm -
  • How to Get Your Credit in Shape for a Home Loan
    When buying a home, the majority of your financing options depend on your credit score. So before you apply for a home loan, make sure your credit score rating reflects positively on you as a borrower. You want to put your best foot forward, because…
    - 6 days ago 20 Jul 16, 2:30pm -
  • Full-Proofing Your Wedding Plans with Wedding Insurance
    Everyone wants their wedding day to be perfect and for the most part, it’s quite rare to hear of a wedding that went awry. Still, despite the very slim chances that something big comes down on your wedding day enough to set it back, it does happen.…
    - 8 days ago 18 Jul 16, 2:18pm -

The Consumer Boomer

  • 5 Ways to Botch Your Retirement
    If you’re like many people, you want to live comfortably in your latter years. But, unfortunately, that’s not possible for all retirees. Sometimes, the reasons are innocent enough: the entire market crashed right before retirement, unforeseen med…
    - 2 days ago 24 Jul 16, 4:22pm -
  • Understanding Your Options During the Medicare Annual Enrollment Period
    The Medicare Annual Enrollment Period (AEP) is upon us once again. It started back on October 15, and will run through December 7. If you are eligible for Medicare coverage, it’s important that you understand that this isn’t just about picking a…
    - 4 Nov 15, 9:52am -
  • 3 Retirement Myths Investors Should Ignore
    The likelihood of a successful retirement comes down to one overarching factor: mathematics. Therein lies the problem: the kind of mathematical gymnastics required to design a successful retirement is beyond the reach or determination of many inves…
    - 28 Sep 15, 2:50pm -
  • IRA Consolidation: The “Super IRA” Strategy
    The Traditional IRA and its offshoots (SEP, SIMPLE, rollover and Roth IRAs) play a leading role in helping millions of U.S. taxpayers invest for retirement. However, many IRA owners are unaware of the opportunity they have to consolidate their multip…
    - 25 Sep 15, 10:11am -
  • 4 Silver IRA Mistakes You Must Avoid at All Costs
    Most people are aware of what to do when it comes to investing on silver IRA. But that does not prevent them from making investment errors. So in an attempt to try something different and productive, I thought I’ll write up a guide of the pitfalls…
    - 24 Sep 15, 3:19pm -

Personal Finance Firewall

  • Credit Karma Introduces Insights For Clear Account Management and Bill Tracking
    Years ago I wrote about, an awesome system that I’ve been using since beta to track all my finances online. Mint offers the ability to easily add financial institutions to your account, see deposits and withdrawals as well as get notif…
    - 2 Apr 13, 10:34am -
  • Netflix – The Final Frontier?
    Netflix, what an interesting company. They have been a pioneer since they opened their doors in 1997 and a few months back, my wife and I finally caved and decided to keep a subscription beyond the free trial. We actually were full members of Netflix…
    - 26 Jun 12, 9:30am -
  • 5 Tips For Overseas Travel
    Recently I travelled from Sydney to Chicago. Many things happened on this trip that with a little forethought I could have avoided. As such, here are my 5 tips to consider when you are travelling overseas! Check your passport This might sound basic b…
    - 29 Nov 11, 2:18pm -
  • Fashonify Review – A New Way To Find Your Style
    Everything today is about connectivity. You want to be connected with your friends, family and even people you’ve never met before, and they you. Why is that? One reason is we want information but in many cases it’s more specific than just that,…
    - 2 Nov 11, 12:40pm -
  • Lessons Learned From The Financial Blogger Conference
    Well, I made it back in one piece! The Financial Blogger Conference was amazing. There were hundreds of bloggers as far as the eye could see. No one batted an eye at my complaints about having to pay for WiFi or my trying to split a cab anywhere we w…
    - 5 Oct 11, 7:00am -

Sweating The Big Stuff

  • 5 Financial Moves That Can Negatively Impact Your Credit Score
    Building a good credit score is important for financial success. You’ll need a strong credit rating to secure loans for long-term purchases like a car or a home. The majority of credit scores fall between 301 and 850 with the following ranking: Exc…
    - 7 days ago 19 Jul 16, 7:00am -
  • 5 Ways To Save On Utility Bills
    We spend millions of dollars on utilities in America each year, and the rates seem to keep rising. Your heating bill could be seemingly under control until you have to turn your heat on in the winter, or crank up the AC in the summer, at which point…
    - 15 days ago 11 Jul 16, 7:00am -
  • 2 Important Instructions for Prioritizing Earning and Saving
    We need to set our priorities when it comes to earning more and saving. What will have the largest effect on our bottom line and requires the least amount of effort? When I lived in D.C., I told my brother who lives in California to check out Lending…
    - 28 days ago 28 Jun 16, 10:30am -
  • How to Use Personal Finance to Make Friends
    After leaving my umbrella on the metro on the way home from work, I needed a change of clothes and a new umbrella. I changed when I got home, but I don’t enjoy shelling out $20 for new umbrellas every few months. Two days later, I saw an awesome…
    - 36 days ago 20 Jun 16, 12:00pm -
  • The 5 Worst Ways to Save Money
    There are many ways that people save money. From clipping coupons to not eating out, the possibilities are endless. However, there are some good ways to save money and there are some bad ways to save money. We’ve all seen people go too far in their…
    - 50 days ago 6 Jun 16, 9:45am -

Money Funk

  • How to Successfully Negotiate Better Terms with Your Credit Card Company
    Lately every credit card company seems to have a trick up its sleeve. I don’t just mean the countless tempting offers that come in the mail. At least once a week I get a letter from companies I’m already using, letting me know they’ve changed t…
    - 22 Jul 12, 10:25pm -
  • 4 Ways Buying a Smartphone Can Save You Money
    For a long time, I was firmly against purchasing a smart phone. I figured I was just fine with my old cell phone, saving money by avoiding expensive monthly data plan fees. However, after talking it over with friends and family, I finally decided to…
    - 3 Mar 12, 12:55am -
  • Adult Children Living at Home – 5 Reasons to Live with your Parents Longer
    Dude, you still live with your parents? This phrase is uttered time and time again those who live their own and can’t understand why anybody would continue to stay in their parents’ home. Although there is nothing wrong with moving out, don’t o…
    - 13 Jun 11, 9:15am -
  • Obscure Types of Insurance Policies That May Help You in the Future
    Most people know a thing or two about auto insurance, home insurance, health insurance, and life insurance. It makes sense, as these are common policies that tens of millions of people pay for, month after month. But while these may be the most commo…
    - 28 Feb 11, 7:20am -
  • Luxury Items for Your Dog: What to Buy, What not to Buy
    People love their pets. This is particularly true with dog owners. Our beloved dogs are pampered, groomed, and even clothed. We make them into a regular part of the family. As more and more canine “luxury items” have begun to hit the marketplace,…
    - 13 Jan 11, 1:29pm -

Ultimate Money Blog

  • Is Home Ownership Worth it?
    Recently, we had a large storm come through and it took one of the big trees between our neighbor’s house and ours down.  It landed on the power lines and surprisingly enough, we didn’t lose power.  We called the electric company and they came…
    - 20 Jul 15, 10:46am -
  • Travel Now While You’re Young, or Save and Travel Later?
    Have you seen this quote circulating the internet? I’ve seen quite a few people post it on Facebook and I have mixed feelings about it.  On one hand, I love it because I love to travel and I’d much rather spend money on traveling than crap that…
    - 13 Jul 15, 2:28pm -
  • Diono Pacifica Review
    Since Penny was born, we’ve had a few car seats: her infant car seat, and two convertible car seats.  The first convertible we bought Penny she didn’t like because she couldn’t see out the windows.  We bought a new one that sat her higher up…
    - 26 Mar 15, 12:27pm -
  • Homemade Stain Remover Recipe
    The other day I ran out of my normal laundry stain remover and had to make some with items I already had on hand. Here’s what I used: -1 part blue Dawn (I used 1/2 cup of the original that I buy at the Dollar Tree. It is the non concentrated but an…
    - 17 Feb 15, 2:13pm -
  • One and Only Child
    After the birth of our daughter Penny, I said I wanted at least two more babies.  My thinking was that since we had such a hard time conceiving the first time (we were even considering adoption at one point) surely the second time it would be much e…
    - 12 Jan 15, 12:01pm -

Frugal Zeitgeist

  • I Want To Blog: How Can I Start and Why Should I?
    I’ve been blogging since 2007 now, hardly a lifetime but pretty long in the world of blogging. It’s been a rocky ride and although much a hobby it’s also a large part of my full-time income and allows me to freely travel the world. Why you shou…
    - 15 Apr 13, 11:13am -
  • Save money or support the independent coffee house? And the wider questions…
    I like to head out for a coffee and do some writing. There is a case for working at home all of the time but hey I would go absolutely crazy! I’m back in my home town of Woolwich, London right now. First off I can’t believe how fast it is changin…
    - 12 Apr 13, 4:08am -
  • Reusable Tampons!! Have You Thought About The Menstrual Cup?
    You may think that my frugal thinking has gone a little far but hear me out…. The traditional tampon is a very expensive “necessity” that women around the globe sometimes have to struggle with in order to buy on a monthly basis. A box of tampon…
    - 2 Apr 13, 10:40am -
  • Stop impulse spending now!
    This is a guest post by a good friend Duncan Wilson of A £2.50 paper cup of coffee. A packet of 10p crisps. Another packet of 10p crisps. A £1.80 newspaper. A single pack of chewing gum. A bottle of water. A chocolate bar. No,…
    - 25 Mar 13, 4:33am -
  • Vinegar: A Frugal Wonder
    One of the best, oldest and essential tools that a frugalist can have in their arsenal is a very cheap and common acidic substance called vinegar! Yes, yes.  I know you know what it is….. Most of us purchase vinegar for cooking.  Even just withi…
    - 22 Mar 13, 10:00am -

Out of Debt Again

  • Car Finance Negotiations Can Be Fun with the Right Prep
    Does the thought of going head-to-head in negotiations with a seasoned car finance provider give you sweaty palms and the cold shakes? Some people love it, it’s like an extreme sport they just can’t...[[ This is a content summary only. Visit my…
    - 18 days ago 8 Jul 16, 5:34pm -

Money Reasons

Rainy-Day Saver

  • 5 Best Ways to Save on Baby Supplies
    No matter if you are planning for the arrival of your first child or you are already a parent, there is one thing you are most likely aware of: Raising a baby can be very expensive. As you begin to make a list of the baby supplies that you will need,…
    - 23 Jul 12, 7:32pm -
  • 5 Ways to Save on College Textbooks
    The average four-year public university charges around $8,000 per year for in-state students in tuition and fees, and that’s after you factor in financial aid. But if you’re considering a private school, the price rises to a jaw-dropping $28,000.…
    - 3 Mar 12, 1:14am -
  • Be Your Own Consumer Advocate
    I’ve never been a fan of getting things you don’t deserve, whether by deception or stealing. But when I purchase a product and it doesn’t live up to my standards, I make it a point to let the company know.Crappy ways of getting “free” stuf…
    - 19 Jul 11, 9:39am -
  • Save Money on Formula
    Our little puddin'Hello, faithful readers! I’ve been on hiatus, and for good reason: Our little miracle baby arrived five weeks early, on Groundhog Day! Baby Saver didn’t want to wait and impatiently entered the world weighing 4 lbs., 8 oz. and…
    - 28 Apr 11, 7:00am -
  • Balancing Frugality and Fun
    When you’re trying to live frugally, it’s hard to get any pleasure out of spending money, since the action goes completely against the grain of your lifestyle. Trust me, I know this from firsthand experience. It pained me to buy maternity clothes…
    - 21 Jan 11, 10:45am -

Budgeting In the Fun Stuff

  • 75+ Cheap Wedding Tips and Tricks for Events of Any Size
    Our close friends are getting married in October, and their wedding plans are impressing the hell out of me! They are active, frugal people who are planning a unique wedding for 100+ guests that will be an extremely fun, yet simple, celebration of th…
    - 4 days ago 21 Jul 16, 11:34pm -
  • Budgeting in Self-Employment
    I thought it would be fun to update this post exactly 5 years after I originally wrote it…let’s see what’s changed… Yes, even though blogging was/is officially paying me more than my day job ever did, I budget in self-employment.  Specif…
    - 9 days ago 17 Jul 16, 4:00am -
  • Bluehost Christmas in July Special – As Low As $3.49 Per Month!
    If you’ve seen my step-by-step (with screen prints) walkthrough on How to Start a Blog, you know I’m a fan. Well, from July 11, 2016 through July 18, 2016, it’s $3.49 a month instead of $3.95 for the 36 month basic plan!  This is my referral…
    - 15 days ago 11 Jul 16, 12:00am -
  • My Grandma Passed Away – Goodbye to Pauline
    My grandmother passed away after a pretty long struggle. She had a long life and is hopefully resting peacefully now. I took a week off but thought it would be nice to leave a little memorial post here for her. My grandma, Pauline, was a strong woman…
    - 18 days ago 8 Jul 16, 4:25am -
  • June 2016 Net Worth of $515,500 and Self-Employment Income of $6450!!!
    It’s that time again! I like to use monthly income and net worth updates for motivation. Posting them pushes me to try harder, I am forced to actually work the numbers, and I started blogging so I could share with all of you and get feedback. I wou…
    - 22 days ago 4 Jul 16, 10:00am -

Well Heeled Blog

  • $8.33 – Top To Bottom Discount (Save 73%)
    Top To Bottom discount alert: take our hugely reduced offer on the 30-day pass to this great site and save $15.00. Or, take the 12-month one and pay the equivalent of $8.33 per month. The 30-day pass is at only $14.95 which is a steal of a deal. Why?…
    - 6 days ago 20 Jul 16, 3:40am -
  • $8.33 – Str8 To Gay Discount (Save 73%)

    - 6 days ago 20 Jul 16, 3:37am -
  • From $8.32 – College Dudes Discount (Save up to 59%)
    College Dudes discount gets you immediate access to a site packed with hot and horny 18-26 year old All-American type dudes in amateur style gay hardcore videos. Since its inception roughly 6 years ago the formerly titled CollegeDudes 24 7 has taken…
    - 6 days ago 20 Jul 16, 3:37am -
  • From $8.33 – Fisting Central Discount (Save up to 73%)
    Hit the Fisting Central discount link and step into probably the best gay handball site you’ll ever wrap your ass around. But fair warning: If a large dick up your butt makes you squirm, you’re really going to go pale around the gills when you se…
    - 17 days ago 9 Jul 16, 5:39pm -
  • $8.25 – Randy Blue Discount (Save 59%) – Porn Discount
    If you’ve got blue balls and you’re feeling randy then you want our Randy Blue discount pass. Only $14.95 for the 30-day access means you can enjoy hundreds of jocks in exclusive movies. The all-year access, paid in one payment, works out at only…
    - 17 days ago 9 Jul 16, 5:39pm -

Not Made Of Money

  • Five Grocery Shopping Mistakes You Should Avoid
    Going to the grocery store can be an expensive affair. We all have the story of the time we went in to spend $10 and ended up spending $100. However, with a little planning and good decision making, any grocery shopper can keep his or her bill low. H…
    - 85 days ago 2 May 16, 4:13am -
  • The Top Benefits of Investing in the Stock Market You should Know about
    The following article is a guest post. With the financial systems around the world undergoing major reforms, with banks offering little value on savings accounts, with governments implementing strange policies and risky social security schemes – wi…
    - 9 Apr 16, 8:34am -
  • Why Your Monthly Car Insurance Cost is Too High: Fact v. Fiction
    This post is contributed by Spencer Josan. There are so many specific factors that come into play when underwriting an insurance policy that there have been some rumors circulating on what people should and should not do to lower their premiums. The…
    - 7 Apr 16, 9:33am -
  • Tips For A Frugal Kid’s Birthday Party
    We have lots of Spring birthdays in our family, and we just celebrated our youngest son’s birthday this past weekend. This is the third birthday party I’ve hosted this year! Planning a fun birthday party doesn’t necessarily mean you have to dra…
    - 6 Apr 16, 3:57am -
  • Five Easy Tips for Saving Money
    There are a lot of reasons why you might want to put some money aside. It could be for a vacation, a new car, or some re-modelling for the house. Here are a handful of tips for how to save money, so hopefully you’ll watch that rainy-day fund grow.…
    - 5 Apr 16, 5:15am -

20 Something Finance

  • Chase Freedom: Get 5% Cash Back at Costco, Sam’s Club, & BJ’s through 2016
    The new Costco Anywhere Visa from Citi is a pretty nice all-around cashback card that offers an enhanced 2% cash back rewards at Costco over the old Costco branded AmEx card’s 1% cash back.2% cash ...Chase Freedom: Get 5% Cash Back at Costco, S…
    - 2 days ago 24 Jul 16, 2:21pm -
  • Gamify your Personal Finances to Power-up your Real Life
    The original Pokémon was after my time, I must confess (with not a hint of sadness). Without the nostalgia to suck me in to the Pokémon Go fad, I tend to get a bit cynical ...Gamify your Personal Finances to Power-up your Real Life[Read the rest…
    - 8 days ago 18 Jul 16, 6:42am -
  • Low Risk, High Returns!
    I often get asked where I’d recommend others invest their assets for the best returns, with the least amount of risk (of course).“Low-risk, high-returns!” has a certain ring to it, doesn’t it?Kind of like, oh, ...Low Risk, High Returns!…
    - 13 days ago 13 Jul 16, 5:58am -
  • Get a Free Sam’s Club Membership from AmEx
    By many accounts, Citi hasn’t done the greatest job with its rollout of the new Costco Anywhere Visa Card, after Costco and American Express parted ways this year. Citi received 1.5 million customer service calls ...Get a Free Sam’s Club Member…
    - 19 days ago 7 Jul 16, 5:34am -
  • Housing Bubble 2.0 is here. Protect Yourself from the Next Crash
    I was casually reading a local news article on housing prices across the Michigan market when I noticed something odd – in every major city that I checked, the average home sale price in 2016 ...Housing Bubble 2.0 is here. Protect Yourself from t…
    - 21 days ago 5 Jul 16, 6:31am -

Beating Broke

  • 1 Simple Trick to Find More Money in Your Budget
    Do you have a budget that already feels tight?  Have you cut and cut but still have more month than money? Are you struggling to find more money in your budget? I know how that goes.  Over the last few months, my husband and I have been working har…
    - 8 days ago 18 Jul 16, 5:52pm -
  • Would You Pay $25 a Pound for Vegetables?
    My husband and I have been trying to garden for a year now.  I say trying because we recently relocated to Tucson, Arizona, and gardening here has a STEEP learning curve.  However, it’s something we both enjoy, so we’ve kept at it, and we’re…
    - 25 days ago 1 Jul 16, 11:04am -
  • Why You May Not Want To Install A Pool This Summer
    What better way is there to beat the heat than to take a nice, refreshing dip in a pool.  Ah.  It doesn’t get better than that.  But if you have kids, you may find paying a fee to use the local pool and carting the kids to the pool a bit of a pa…
    - 35 days ago 21 Jun 16, 10:36am -
  • It’s O.K. If Your Kids Are Bored This Summer
    Ah, summer.  A time of relaxation, heat, and. . .boredom? Yep, boredom.  When I was a child, the big activity for the summer was to go to Vacation Bible School one week of the summer.  The rest of the time, well, my days stretched wide open before…
    - 55 days ago 1 Jun 16, 7:24am -
  • To Grow Wealthy, Stay Where You Are
    When I was little, I devoured the Little House on the Prairie series.  I felt bad then for Ma and Pa.  I felt bad for the way they struggled financially, facing setback after setback.  I felt bad that they always had to move just as soon as they w…
    - 60 days ago 27 May 16, 11:25am -

20s Money

  • So You Want To Start An App Business?
    Apps are a huge business these days, not to mention a big part of our day to day lives! Like a lot of budding young entrepreneurs, you might have some big plans for breaking into the industry with your own app development firm. The good news is that…
    - 2 days ago 24 Jul 16, 4:24pm -
  • Business jobs you can get with a business finance degree
    If you have gained a business finance degree, studying at college or online with providers such as, then you obviously have a talent for dealing with numbers as well as an aptitude for business. It makes sense that you would want to…
    - 7 days ago 19 Jul 16, 9:55pm -
  • How to Improve Cash Flow in Your Small Business
    Running a small business isn’t easy. There are a million and one things to think about, from finding new customers to increasing your profit margins. If the business is growing, you are definitely heading in the right direction, but what happens if…
    - 7 days ago 19 Jul 16, 8:37pm -
  • 3 Key Financial Decisions to Make in Your 20s
    Your 20s can be some of the most formative years of your life. While personal financial management might not be on the top of your agenda, there are many reasons why it is incredibly important to get right within this decade.There are a number of es…
    - 13 days ago 13 Jul 16, 4:10pm -
  • Read Your Financial Contracts, For Your Own Good
    We live in the era of legal agreement skimming. The first time many of us recall doing this was when first installing Apple iTunes. Back in the day, this was one of the first consumer applications many of us had to add to our computers. Halfway throu…
    - 14 days ago 12 Jul 16, 4:04pm -


  • How Long Can You Go Without Buying Something New?
    The following post is by Melissa Batai This year, one of my favorite bloggers embarked on an ambitious challenge—to pay down her mortgage from 28 years to 20 years, in other words, to pay off 8.5 years of her mortgage in one year.  Clearly, it’s…
    - 17 days ago 9 Jul 16, 10:01am -
  • 6 Signs You’re Targeting The Wrong Career
    Going for a right career is something which must be very easy as well as burden free thing for a person to do. Most of the people work hard day and night and get the job which is perfect for them and nail it with their dedication towards it. But, eve…
    - 17 days ago 9 Jul 16, 9:03am -
  • Getting up the Guts to Invest in Overseas Real Estate
    Investing in international or overseas real estate can seem a little too foreign, risky, and sometimes a bit scary. It all comes down to knowledge. How much do you really know about its benefits and what this venture can potentially do for your lifes…
    - 31 days ago 25 Jun 16, 2:37pm -
  • The Change in My Morning Routine That Could Save Me $500 Annually
    We all have our morning routines.  For some of us, this includes drinking a cup of coffee. This is an area in which I’ve gone back and forth over the years.  About 5 years ago, I tried to give up caffeine.  My drink of choice at the time was die…
    - 55 days ago 1 Jun 16, 8:04pm -
  • Quantify Your Financial Life
    To what extent do you keep track of your finances? At some level, we all have the opportunity to track our finances.  We have access to our statements and account activity online, and some people even get paper copies mailed to them.  With certain…
    - 13 Apr 16, 8:47pm -

Passive Panda

  • World Chess Champion Garry Kasparov on How to Build Confidence in the Face of Fear
    Garry Kasparov and his long-time rival Anatoly Karpov—two of the greatest chess players of all-time—took their respective seats around the chess board. The 1990 World Chess Championship was about to begin. The two men would play 24 games to decid…
    - 17 Aug 15, 11:13pm -
  • Getting to Simple: How Do Experts Figure out the Correct Things to Focus On?
    Peak performance experts say things like, “You should focus. You need to eliminate the distractions. Commit to one thing and become great at that thing.” This is good advice. The more I study successful people from all walks of life—artists, at…
    - 13 Aug 15, 10:29pm -
  • First Principles: Elon Musk and Bill Thurston on the Power of Thinking for Yourself
    Bill Thurston was a pioneer in the field of mathematics. He was particularly known for his contributions to low-dimensional topology, 3-manifolds, and foliation theory—concepts that sound foreign to number-challenged mortals like you and me. In 198…
    - 10 Aug 15, 11:44pm -
  • The Chemistry of Building Better Habits
    There is a concept in chemistry known as activation energy. Here’s how it works: Activation energy is the minimum amount of energy that must be available for a chemical reaction to occur. Let’s say you are holding a match and that you gently touc…
    - 7 Aug 15, 12:37am -
  • August Reading List: 5 Good Books to Read This Month
    It’s time for another edition of my reading list. In addition to the five books reviewed below, I maintain a complete list of the best books I’ve read across a wide range of disciplines. Here are a few of the top books I’ve read recently. A Sho…
    - 3 Aug 15, 10:42pm -

20 and Engaged

  • Playing online games without ruing your marriage
    Does your significant other complain that you play online games too much? Even though we may think that there’s nothing wrong with playing video games for a little bit after work to calm our nerves, spending too much time doing this activity can ha…
    - 15 days ago 11 Jul 16, 9:21pm -
  • Easy Tips For a Successful Marriage
    The pressures and stresses of life can often make two people forget why they got married in the first place. Time constraints and financial burdens can cause a couple that love each other to spend a great deal of time arguing. Marriage is certainly n…
    - 21 Mar 16, 2:01pm -
  • How To Have A Healthy Sexual Life
    At a basic level, many will tell you that sex is a bodily function that is hormone driven and that has the purpose of perpetuating a species. This is a narrow view that completely underestimates human sexual response complexity. We are sexual beings…
    - 25 Jan 16, 6:52am -
  • Tips For Buying Furniture
    When you begin selecting furniture for the home, whether it’s a new home or you simply want to remodel, there are a few tips to keep in mind so that you get the best look possible. Before you purchase anything, make sure you measure the space where…
    - 9 Jan 16, 6:31pm -
  • Helpful Engagement Ring Shopping Tips
    Looking at engagement rings can often be an extremely stressful process. It’s not exactly easy to find that one ideal engagement ring for the special someone in your life. However, certain things can definitely simplify the process and help you kee…
    - 9 Jan 16, 6:28pm -

The Family CEO

  • I’m no longer writing here…
    The post I’m no longer writing here… appeared first on The Family CEO.
    - 29 May 15, 10:17am -
  • That’s a Wrap
    Last week I started a conversation with Tom this way: “I need to talk to you about something, and it’s going to sound familiar.” If you’ve read this blog for any length of time, it’s going to sound familiar to you too. The something I neede…
    - 20 May 15, 3:17pm -
  • Teaching High School Students About Money
    So this is cool. H&R Block, the tax services provider, believes that mastering financial matters is an important adult life skill, but that teenagers aren’t being prepared for the challenge. So the company developed a teen financial literacy progra…
    - 10 May 15, 11:10am -
  • When an Introvert and an Extrovert Get Married
    A number of years ago – ten or more – Tom and I walked into a social function at church. It was either a casino night or a wine tasting (we’re Catholic so those are normal church functions for us), and as I scanned the room I said to Tom, “I…
    - 6 May 15, 2:27pm -
  • A Family CEO Job Description
    This blog began over nine years ago when I hired myself to make over my family’s finances. My theory was that if I treated our finances like a job, I could make as big of an impact as the real-life, outside the home, part-time job I was consider…
    - 5 May 15, 9:33am -

Mrs. Nespy's Frugal World

  • So Long, Farewell....
    It's been a long time coming, but I am finally pulling the plug.This is the end of Mrs Nespy's World.Over the last week I have been pulling affiliation links, contacting PR firms and cleaning out the blog.  After almost 6 years of blogging, I have t…
    - 4 Sep 13, 11:53am -
  • Tips to Make Disney World Fun for the Whole Family
    There are tips galore all around the internet on how to make your vacation to Disney World the best ever.  Trust me - I think I perused all of them. After doing that, I picked the ones that would (hopefully) work for us and made up some just for us.…
    - 22 May 13, 1:11pm -
  • Our 2013 Disney World Family Vacation
    So if you've been on my blog at all in the last week, you've noticed that we have just returned from our family vacation to Disney World. We paid cash and had a blast!  Hooray for family fun on a budget!But aside from all of the tips and tricks that…
    - 22 May 13, 12:35pm -
  • How Was School Today? How I Got My Kids to Talk to Me.
    My son is currently finishing up first grade while my daughter is in the last few days of 3K at the same school.  Each day I picked them up I would ask the same questions:  How was school today?  What did you do?  These questions always resulted…
    - 22 May 13, 7:41am -
  • What Would Have Been Impossible 3 Years Ago
    So I am currently a long way from being debt free.  Although my journey to being debt free (excluding mortgage) started over 3 years ago and I thought I would be done by now, life happens sometimes and we just are not there yet. We have been making…
    - 2 May 13, 9:04am -

Saving Money Today

  • What Should Take Place After Building an Emergency Fund
    Do you have an emergency fund already built? Are you still trying to do so and find it difficult? Either way, it is understandable the discipline it takes to create an emergency fund. If you have done so, all the more power to you. If you haven’t…
    - 2 Mar 16, 9:29am -
  • Financial Mistakes Expectant Parents Can Avoid
    Parents expecting their first child do anticipate mistakes because this is their first experience. If you were a babysitter in high school for the neighbor’s kids, you may know a little bit about babies and how to raise them or how to soothe the…
    - 24 Feb 16, 2:04pm -
  • Getting the Best Savings Account You Deserve
    When banks offer interest rates that are close to zero percent, then it is not a surprise that consumers don’t want to bank their emergency funds there! For people who are financially savvy, the objective is to get a better return on their hard e…
    - 18 Feb 16, 8:51am -
  • Knowing When to Consolidate Your Student Loan Debt
    Federal student loans cannot be refinanced in the same way as other consumer debts can. It is best, if you can, to pay your federally acquired student loans in full. If not, it could lead to serious consequences such as wage garnishment or your tax…
    - 10 Feb 16, 12:00pm -
  • 4 Finest Ways to Save Money For Your First Baby
    Different phases of life pass us by and we have to adapt ourselves to the changes accordingly. While attaining graduation or venturing into working under someone and earning own money are important stages of life, getting married and planning a bab…
    - 4 Feb 16, 1:37pm -

Quizzle Wire

  • Planning Your Dream Wedding on a Budget
    Are you preparing for your wedding but wondering how you’ll pay for it? There are many ways to plan and...The post Planning Your Dream Wedding on a Budget appeared first on Quizzle Wire.
    - 12 days ago 14 Jul 16, 2:04pm -
  • Vegas on a Budget
    Vegas has become a very popular place to go for groups looking for a good time. Before going to Vegas,...The post Vegas on a Budget appeared first on Quizzle Wire.
    - 41 days ago 15 Jun 16, 2:40pm -
  • Year One of Homeownership: The Ups and Downs
    Last Saturday marked exactly one year that I’ve owned my own home. Living on my own has given me the...The post Year One of Homeownership: The Ups and Downs appeared first on Quizzle Wire.
    - 55 days ago 1 Jun 16, 8:55am -
  • Getting Down And Dirty With My Finances
    The weather is finally breaking here in Michigan and with that comes everyone’s (least) favorite activity, spring cleaning. Typically we...The post Getting Down And Dirty With My Finances appeared first on Quizzle Wire.
    - 62 days ago 25 May 16, 1:27pm -
  • Opting In For Credit Reporting
    It’s important to look at your full credit report regularly. Not only does it give you the opportunity to identify...The post Opting In For Credit Reporting appeared first on Quizzle Wire.
    - 67 days ago 20 May 16, 10:27am -

Funny About Money

  • newThe Next Big Project: A New Writing Book
    So I propose to a new young editor at Columbia, a pup who doesn’t know me from Adam’s Off Ox (what’s an off ox, anyway?), that we should do a new edition of The Essential Feature. He gives me a … Continue reading →
    - 13 hours ago 25 Jul 16, 9:12pm -
  • newDiscord, indeed…

    - 14 hours ago 25 Jul 16, 8:31pm -
  • Living Life in a Hot New World
    Hot where you’re at, is it? Ninety degrees and you think you’re gunna die before the sun goes down? Mwa ha ha! As nothing! Temps here have run upwards of 112, day after day, and that ain’t new. A couple … Continue reading →
    - 2 days ago 24 Jul 16, 3:12pm -
  • Beautiful Toes! How to beat back toenail fungus
    This is a tacky topic. Sorry. BUT…it really is so amazing, I’ve just gotta tell you about it. According to Wonder-Dermatologist, if you don’t need to know about this now, sooner or later you will. Here’s the deal: It turns … Continue readin…
    - 3 days ago 23 Jul 16, 6:19pm -
  • DUCK! New Incoming Cockamamie Idea!
    Alas, I seem to be constitutionally prone to coming up with new schemes. It must be a congenital thing… Did I mention the idea of trying to give presentations at the local independent bookstore by way of getting the word … Continue reading →
    - 3 days ago 23 Jul 16, 10:41am -

Yes, I Am Cheap

  • new3 Stupid Financial Mistakes I Don’t Regret          
    Trust me when I say that I’ve made my share of stupid financial mistakes in my 35 years on this earth.  Also believe me when I say my life would have been a lot easier if I didn’t make any mistakes with money in my teens, then again in my 20s. …
    - 6 hours ago 26 Jul 16, 4:00am -
  • Zero Percent Balance Transfer Cards Save You Money
    Whether we like to admit it or not, credit cards have become a necessity.  But all credit cards are not created equally, at least, mine aren’t.  Credit cards carrying a high interest rate can drain your pockets and cost you more than you may barg…
    - 8 days ago 18 Jul 16, 8:15am -
  • 4 Ways to Make the Most of Your Retirement Savings
    I think it’s safe to say we all want to retire someday, don’t we?  I know I do and that means I need retirement savings.  Someday around 60 years old I want to wake up without my alarm clock and spend my days drinking iced tea and doing yoga. …
    - 14 days ago 12 Jul 16, 4:00am -
  • Money Traps You Should Never Give In To
    When trying to work your way out of debt, seeing the light at the end of the tunnel can seem impossible. Feeling like the debt is endless is a typical feeling, and because of it, many people are quick to look for extreme options to put cash back in t…
    - 21 days ago 5 Jul 16, 9:15am -
  • How to Make Money From a Side Hustle
    Who loves money?  I think we all do, that’s why we’re here learning how to pay off debt, live within a budget and make money from a side hustle.  Starting a business is exciting, it’s also a lot of work.  When you’re first starting out and…
    - 28 days ago 28 Jun 16, 3:00am -

Prairie EcoThrifter

  • Expect More from Your Daughters
    “Did you know that in 2014, women working full time in the United States typically were paid just 79 percent of what men were paid, a gap of 21 percent?”  the American Association of University Women asked in article The Simple Truth about the G…
    - 27 days ago 29 Jun 16, 7:30pm -
  • Why Did I Buy That!
    Have you ever made a purchase on the spur of the moment and later had a bad case of buyers remorse? You had no intention of getting that gizmo, yet there you are holding the bag in your hand. How the heck did that happen? It is important for each of…
    - 43 days ago 13 Jun 16, 6:06am -
  • Options on How to Borrow Money without Credit Checks
    When it comes to borrowing money, having bad credit can limit your options. Banks and other lending institutions often require you to jump through hoops just to get to the cash you need. If you are in need of money and don’t have the time to go thr…
    - 44 days ago 12 Jun 16, 5:31pm -
  • Why Save Money in a Low Interest Rate Environment?
    I’m a saver, always have been. It has served me well over the years, eventually leading to my current position of financial freedom. My grown kids are also savers and I have high hopes that the grandchildren will follow their example. To learn to l…
    - 61 days ago 26 May 16, 6:12am -
  • Your Worst Home
    Your worst home was better than what most of human kind has ever known. Most Canadians and Americans today live much more luxuriously than our ancestors could have imagined, yet many are not satisfied with where they live and want more. According to…
    - 75 days ago 12 May 16, 5:27am -

Debt Free Marriage

  • Steps You Can Take To Have A Healthy Pregnancy
    When you first find out you are pregnant, chances are you have a lot of questions. Not only can it be hard to know what to expect, but you may also be wondering what steps you can take to have a healthy pregnancy. There are actually quite a few diffe…
    - 23 days ago 3 Jul 16, 1:11pm -
  • Money and Marraige
    Reading time: 1 – 2 minutes Money problems had been cited by numerous surveys, statistics, and editorials as the#1 leading cause of divorce amongst married couples living in the US. However, most don’t go any deeper to determine WHY the couple ha…
    - 37 days ago 19 Jun 16, 9:44pm -

Wealthy Turtle

  • Where to Find Savings on Auto Insurance
    Wondering if you are saving as much as you can on auto insurance costs? You already have been following the time-honored advice of getting at least three quotes on insurance before you buy. Even though you have the basics covered with quote compariso…
    - 4 days ago 22 Jul 16, 6:00am -
  • Secret Trading Tips
    Currency trading requires the making of calculated decisions, which depend on, and are governed by various factors. The currency market stays open 24 hours a day, which means, volatility can occur, at any point of time. Since the market system is so…
    - 25 days ago 1 Jul 16, 9:11am -
  • The Productivity Project Reviewed
    As a father, husband, homeowner, full-time employee, and home business owner I’m always stretched for time.  There just never seems to be enough time in the day to get everything done. So when I had an opportunity to grab a free review copy of The…
    - 27 days ago 29 Jun 16, 6:05pm -
  • What is a Phishing Scam?
    Every year millions of innocent people find themselves victimized by phishing scams. No, I’m not talking about fans of an American rock band getting ripped off or someone stealing your grilled salmon dinner out from under you. So, what is a phishin…
    - 27 days ago 29 Jun 16, 7:05am -
  • How to Avoid Forex Trading Pitfalls
    When people talk about forex trading, they usually say it’s the biggest and the fastest growing financial market in the world. And it is, nobody can deny it. In addition, they say that you can earn a lot of money in a relatively short period of tim…
    - 36 days ago 20 Jun 16, 1:14pm -

20's Finances

  • Using Your Student ID To Your Advantage
    Your student ID is a valuable thing. When you first get it, you don't think much of it. Sure you can use it to get money out of some banks accounts (assuming it is linked) as well as pay for food and other items on campus. But your student ID is more…
    - 23 days ago 3 Jul 16, 3:00am -
  • Living Together Unmarried: What You Need To Know
    More and more people are living together before getting married and in some cases, they decide to simply live together without getting married. While everyone is entitled to live the life they see fit, living together unmarried can bring up some unin…
    - 26 days ago 30 Jun 16, 3:00am -
  • 5 Tips for Starting Your Career Off Right
    Moving from college life to adult life can be a shock to many new graduates. Not only is it a lot harder to get through a day at work after a night of drinking than getting through a couple of classes, it also is tough to be tied to a desk for 40 or…
    - 28 days ago 28 Jun 16, 6:54pm -
  • 3 Moves To Make To Rid Yourself of Student Loans
    Graduation is upon us and for many seniors, it means entering the real world. This usually entails getting a job, finding a place to live and paying off those pesky student loans. While I know that student loans aren't high on your importance list at…
    - 28 days ago 28 Jun 16, 6:51pm -
  • Should You Sell Your Home When You’ve Paid off Your Mortgage?
    Once your mortgage is paid off, you likely feel a sense of relief. You no longer have to make that massive payment. However, as you’re thinking about the end of this mortgage, you’re wondering if selling your house is in the future. The decision…
    - 28 days ago 28 Jun 16, 6:47pm -

Careful Cents

  • Freelancer Growth Mindset: What if You Already Reached All Your Goals?
    Since this blog is a safe place, I’m going to be brutally honest with you today. For the past 18 months or so I’ve been stuck — like really stuck. No matter what I tried, what I did, or how I approached my blog/business nothing gave me the res…
    - 19 days ago 7 Jul 16, 9:00am -
  • Then and Now: Celebrating 5 Years of Blogging
    On June 22nd, 2011 I published the first of many blog posts here on Careful Cents. It’s been five years since then and this blog has grown, morphed, changed design (like 6 times!) and gone in multiple directions. It started out as a personal fina…
    - 28 days ago 28 Jun 16, 9:00am -
  • How to Take the Stress Out of Getting Things Done
    Getting things done as a freelancer always seems like an uphill battle. It’s easy enough to get organized, but staying organized and finding a productive routine that actually works, is a whole other story. That’s why the past few posts I’ve pu…
    - 35 days ago 21 Jun 16, 9:17am -
  • Business Systems: How I Stay on Top of Client Assignments and Deadlines
    As a freelancer, you’re constantly juggling client assignments, various deadlines, a multitude of client requests, not to mention your own ideas for your blog and personal projects. Every client has their own specifications, style and voice and su…
    - 41 days ago 15 Jun 16, 8:00am -
  • 10 Ways to Automate Your Freelance Business This Week
    You know that one business owner who always seems to be on top of things? That popular freelancer who pushes out blog content on a regular basis and is always posting great content on social media? Everyone seems to be running a lucrative freelance…
    - 47 days ago 9 Jun 16, 8:56am -

Everything Finance

  • new7 Bloggers to Follow for Awesome Deals & Savings
    I love saving money. I get an emotional high from knowing I got a good deal. Back when my husband and I were trying to claw our way out of $45,000 of debt, I couponed like crazy. I spent hours clipping coupons, learning the coupon policy, price match…
    - 7 hours ago 26 Jul 16, 3:30am -
  • 7 Cheap Ways to Make Your House Feel Like a Home
    As you move out of your college, or even your early-twenties, stage of life, the image of your house begins to change. You’re no longer satisfied with mismatched furniture or bare minimum decorating. Instead, you begin to desire a home that not on…
    - 1 day ago 25 Jul 16, 3:30am -
  • How to Get the Most Value From Your Used Vehicle When You Upgrade
    Getting ready to upgrade your vehicle can be an exciting process. Searching for the perfect car, although time consuming, can be fun. Deciding on the make and model, the color you love, and any exciting “extras” are all aspects of shopping for a…
    - 5 days ago 21 Jul 16, 3:30am -
  • 5 Financial Topics to Discuss After the Honeymoon
    Getting married is an exciting life-changing milestone. Before the wedding, it’s common to want to learn as much as you can about your future spouse. You should know their financial situation and goals, but after the wedding and honeymoon is when y…
    - 6 days ago 20 Jul 16, 3:30am -
  • 5 Ways to Save on Your Child’s First Birthday Party

    - 7 days ago 19 Jul 16, 4:00am -


  • Is 645 Credit Score Good or Bad?
    LET’S TALK ABOUT HAVING A CREDIT SCORE OF 645: WHAT IT MEANS TO ALL OF US AND YOU Well first, we need to discuss the average credit score. There are three different credit companies here in the United States. There’s the Experian, TransUnion and…
    - 6 days ago 19 Jul 16, 10:41pm -
  • Drake Net Worth, Income – Still Sittin’ on $25 Mil?
    Drake’s real name is Aubrey Graham and he was born on October 24, 1986 in Ontario, Canada. Drake started out on the show, “Degrassi, The Next Generation” as Jimmy Brooks. However, he hit it big when he started his rapping career. Drake is now w…
    - 91 days ago 25 Apr 16, 10:46pm -
  • Nick Cannon Net Worth
    Nick Cannon started his career when he did a comedy show for his father’s cable channel. Nick’s father was a TV Televangelist. He is worth more now since he was married to Mariah Carey for a few years, than he was worth before his marriage and di…
    - 91 days ago 25 Apr 16, 10:38pm -
  • Method Man Net Worth
    Clifford Smith, also known as Method Man from the rap group, “Wu Tang Clan” was born on March 2, 1971 in Hempstead, Long Island, New York. He is an American rap artist, music producer and actor. Not only was he a member of the group, “Wu Tang…
    - 91 days ago 25 Apr 16, 10:07pm -
  • Tech N9ne Net Worth, Income in 2016
    Tech N9ne is worth $20 million. His real name is Aaron Dontez Yates and he was born in Kansas City, Missouri on November 8, 1971. He was given the nickname Tech N9ne by the rapper, Black Walt who says his fast rapping style is similar to a tech nine…
    - 94 days ago 23 Apr 16, 3:38pm -

50 Plus Finance

  • 5 Must-Know Steps to Financing a New Home
    Applying for a loan is just one step of many involved in financing a new home. There are several other steps you should take before you sign your loan documents and decide on a lender. Let's look at five of those steps. Make a BudgetYou don't want t…
    - 2 days ago 24 Jul 16, 9:43pm -
  • Protecting Your Finances: 6 Ways Bad Decisions Can Drain Your Wallet
    When you work hard to boost your savings account, the last thing you want is to have to spend it unnecessarily. The following are six common reasons why people are forced to dip into their funds due to poor planning and bad decisions.Maintaining a ba…
    - 4 days ago 21 Jul 16, 10:32pm -
  • How Can you Improve Your Brand On Instagram?
    Instagram is a platform for the visual niche where you can grow your brand easily. It is the place for displaying your photography skills as well as promotes your product well. Here are some methods, through which you can improve your brand on Insta…
    - 6 days ago 20 Jul 16, 9:42pm -
  • How You Can Save Money on Your Utility Bills This Summer
    When you receive your utility bills in the mail, you probably wish that you could stop these services entirely. No one likes to pay bills, especially when money is tight. Even when money is not tight paying the bills is never fun because it means it…
    - 6 days ago 20 Jul 16, 7:42pm -
  • How to Get Your Best Caregiver in Rhode Island
    There are many channels of getting caregivers. From a friend of a friend who knows someone to a friend’s child offering caregiving services part time, your choices are endless. This is a common means of getting a care giver but it isn’t advisable…
    - 7 days ago 19 Jul 16, 10:00pm -

Afford Anything

  • The One and Only Step to Financial Independence
    It’s time to wave the truce flag over one of personal finance’s greatest battles. One of the most spirited debates in personal finance circles is the classic “earn more” vs. “save more” standoff. The “earn more” crowd argues that rais…
    - 26 days ago 30 Jun 16, 2:25pm -
  • Curate Your Life, and the Rest Will Follow
    Flights into Vegas are fascinating. Most of my fellow passengers are exuberant about their upcoming weekend of debauchery. They order beers after takeoff, slosh their way across the airspace and holler crazy-isms like, “if I win big, I’m upgrad…
    - 42 days ago 14 Jun 16, 12:03pm -

Family Money Values

  • Untitled
      The below and simply demonstrates the power of passive income.  I used it to introduce my grandchildren to the concept in Grandma Rie’s Money Camp.
    - 15 Dec 15, 12:16pm -
  • All I want for Christmas is WEALTH
    Maybe you watched Gentlemen prefer blonds and heard Marilyn Monroe sing ‘Diamonds are a girls best friend’? Or maybe you watch Charlie Brown and know that Lucy always wants real estate as a gift? Materialistically speaking, what DO you want … C…
    - 27 Nov 15, 12:34pm -
  • Review of: The Business of Family
    The Business of Family – How to Stay Rich for Generations. This book by Linda Davis Taylor was published in 2015. Linda Davis Taylor is a participant in a 4th generation business and has experience as an investment counselor and … Continue readin…
    - 21 Oct 15, 11:58am -
  • Why Practice Generational Wealth Building?

    - 29 Sep 15, 1:00am -
  • 2015 Grandma Rie’s Money Camp Activities and Resources
    Teaching the next generation to successfully handle money and personal finances is normally a family responsibility. Although parents bear much of the burden to teach, train and model good personal finance, extended family members can also contribute…
    - 14 Sep 15, 2:50pm -

Stumble Forward

  • new2 Decisions To Boost Your Earnings And 2 That Weaken Them
    When you think about your financial situation, your career is one of the biggest and most important factors to consider. If your career is on the right path, you may find that your finances soar to new heights. If you make mistakes on the job, you co…
    - 13 hours ago 25 Jul 16, 8:58pm -
  • 3 Ways to Make Sure Your Online Payments are Secure
    As we start to use the internet more to make payments, it’s become clear that we need to keep educated about the latest security issues on the web. From eCommerce sites to online casino resources, there’s been a massive uptake in endeavors that s…
    - 5 days ago 21 Jul 16, 9:20pm -
  • 3 Reasons Why Your Multinational Website Is Failing
    In an effort to reach the largest number of consumers possible, many businesses make the decision to set up a multinational website. But, while the reasons for doing so certainly make sense, there are a lot of issues that you can run into when attemp…
    - 5 days ago 21 Jul 16, 1:13pm -


  • Tracking The Progress Of My Hardest Hit Fund Program Application
    Eric J. NisallAfter the housing crisis, the government set up several programs to help financially injured citizens. Follow me as I document my application for assistance from the Hardest Hit Fund program.
    - 22 Oct 14, 3:21pm -
  • The Stores You Oppose Started Small And Local
    Eric J. NisallThe calls to “shop local” have been growing louder year after year. Even one of the largest credit card companies, American Express, started a movement called “Small Business Saturday” to entice consumers to shop at small busine…
    - 24 Mar 14, 6:00am -
  • The BIGGEST SECRET About Taxes You Will EVER Read!
    Eric J. NisallClaiming to reveal a "secret" about anything--taxes, weight loss, money-making--is all a bunch of crap. The real truth, especially about taxes, is quite simple.
    - 12 Mar 14, 12:50pm -

Don't Quit Your Day Job

  • Mortgages Are Still Really Cheap in the United States
    30 Year Mortgage rates are currently averaging 3.45%. There is a 30 year mortgage rate average series on FRED, published by Freddie Mac, which has noted a down-trend in the average 30-Year Mortgage rate.  3.45% is the lowest we’ve seen since a bri…
    - 1 day ago 25 Jul 16, 12:24am -
  • The DQYDJ Weekender Weekly Roundup, 7/23/2016
    Okay, call it a two week roundup – we had another one of those “vacation” type vacations with our daughter a couple weeks back. (Shouldn’t have joked about it in the recent vacation post!) I know; I owe you a weekender – so enjoy this packe…
    - 3 days ago 23 Jul 16, 9:36am -
  • What Was Your Savings Rate in 2015?
    In this article, we continue our annual tradition of sharing our savings rate.  We consider a savings rate to be one of the most important numbers you can optimize when it comes to your personal finances – all the strategies you put into play are…
    - 8 days ago 18 Jul 16, 9:32am -
  • Bond Yield to Maturity Calculator
    On this page is a bond yield to maturity calculator, which will automatically calculate the internal rate of return earned by an investor who buys a certain bond.  This calculator automatically runs, and assumes the investor holds to maturity, reinv…
    - 13 days ago 13 Jul 16, 11:19am -
  • S&P 500 Historical Return Calculator
    On this page is a S&P 500 Historical Return calculator.  It allows you to input time-frames from 1 month all the way up to 60 years and 11 months and crunches data for historical returns on the S&P 500.  It runs over all rolling periods contained i…
    - 20 days ago 5 Jul 16, 10:22pm -

Below Your Means

  • Investing – My Thoughts on the New T. Rowe Price Emerging Markets Local Currency Bond Fund
    I am always looking for funds and investments that are both relatively conservative and align with my basic economic outlook.  Since I generally believe stocks are overvalued and are being held up entirely by government stimulus and central bank mon…
    - 28 Jun 11, 6:00am -
  • Below Your Means Basics: Understanding Savings and Wealth Creation
    Our Below Your Means Basics series this week deals has been focused on looking at your finances from a perspective of your Net Worth.  We started the series discussing Income vs. Net Worth, and then took a look at debt.  Today, we’ll be taking ab…
    - 22 Jun 11, 6:00am -
  • Frugal Tip: Top 4 Free PC Tools
    Utilities and tools that promise to make your PC faster and virus free are a very big business.  You will see countless infomercials and popup ads trying to sell you some product to rid your machine of slowness and nasty viruses.  Unfortunately, mo…
    - 21 Jun 11, 6:00am -
  • 7 + 1 Life Lessons from the Very (and Not So Very) Wealthy
    Over the weekend Barry Ritholtz published an excellent column in the Washington Post listing 7 lessons he’s learned through his interactions with high net-worth clients.  The lessons reflected a number of the values we have at Below Your Means. …
    - 20 Jun 11, 1:00pm -
  • Below Your Means Basics: Understanding Your Debt
    Before we get started, if you are months away from foreclosure or other serious financial consequences, this is not the article for you. We do not cover issues like bankruptcy, credit repair, or debt settlement agencies. Consider consulting the assis…
    - 20 Jun 11, 6:00am -

Humble Savers

  • How To Save Money Buying Your Next Truck
    If you need a big rig to move goods, plant or construction material, you want to save as much money as you can while getting the best benefit. Sometimes a bit of homework can save you a lot of money – and headaches along the way. Here is how you ca…
    - 22 days ago 4 Jul 16, 2:53am -
  • How To Win New Clients For Your Small Business
    How you win new clients is the most critical aspect to growing revenue and increasing value to your small business. New clients don’t come by chance, you need to be strategic, particularly with your marketing. The rules for finding the right prospe…
    - 27 days ago 29 Jun 16, 2:39am -
  • If You Can’t Work, Do You Have a Backup Plan?
    Preparation is important in a life that’s full of uncertainties. We prepare for tests and college admittance exams. We prepare for meetings. We prepare for vacations. People prepare for so much in life when we know something is on the horizon, but…
    - 17 Apr 16, 4:12am -
  • Business Succession Planning, What You Need To Know
    Business succession planning is one thing that every business with two or more owners should consider. The business owners need to plan for what ‘should’ happen to their business if one of the owners dies, becomes totally and permanently disabled…
    - 22 Feb 16, 8:38pm -
  • World Class Family Fun and Recreation on a Budget
    American families take very few vacations compared to those in other developed countries. Perhaps a reflection of our “Puritan work ethic,” this unhealthy refusal to take time off is probably more indicative of our low wages and part-time opportu…
    - 18 Feb 16, 3:13pm -


  • Take a Chill Pill: Confessions of a young mother of three
    Many of you reading this post are parents and completely understand and sympathize with me when I say - today has been one of those days where I have constantly needed to remind myself that my children are a blessing.Take a Chill Pill: Confessions o…
    - 31 Oct 12, 5:34pm -
  • Family Time on a Dime
    First, let me define drawing closer to someone. By drawing closer I am specifically referring to spending quality time. Time that will encourage communication, increase love, build understanding and result in laughter.Family Time on a Dime is an a…
    - 16 Oct 12, 7:51am -
  • The Cost of Couponing: Is it really worth it?
    Back in 2009, I wrote Why coupons could cost you more money. Today, I bring you an awesome post from the female perspective.Most of you, I am sure, have probably cut coupons at some point. Coupons were first used in America in 1909 when Post made an…
    - 11 Oct 12, 8:40am -
  • New Retirement Planning Strategy: Raise a Financially Literate Child
    The financial difficulties that we’ve experienced in recent years should both reinforce the need for financial education and give you a sense of the exact types of skills you need to pass on to your child.New Retirement Planning Strategy: Raise a…
    - 9 Oct 12, 9:00am -
  • How to Feed a Healthy Family on a Tight Budget
    As a young mother of three beautiful children and the wife of a grad student, I have been forced back into the college budget. You know, the one where after all bills and obligations are payed you have approximately $50 to live on (small exaggeratio…
    - 27 Sep 12, 3:22pm -

I Am 1 Percent

  • 5 Ways To Make Extra Cash By The End Of The Week
    If you’ve been hit with an unexpected expense or two, you might be in need of some extra cash – fast. It’s important to have an emergency stash just for situations such as these. After all, if unexpected expenses seem…
    - 6 days ago 20 Jul 16, 2:22am -
  • Selling Your Home: How to Set up an Open House
    If either you or your agent are holding an open house, there are two main points to remember. First, you want to attract as many people as possible so you get a bid at your asking price (or possibly even…
    - 26 days ago 30 Jun 16, 1:47am -
  • How to Negotiate A Raise With Your Boss
    When was the last time you got a raise? If the answer is somewhere between “never” and “I don’t remember,” then it might be time to step up and talk to the boss about a pay bump. Let’s stipulate for…
    - 97 days ago 20 Apr 16, 2:49am -
  • How The Sharing Economy Can Take Your Real Estate Investments To The Next Level
    The sharing economy has been one of the dominant features of the economic landscape for at least the past five years. The concept is simple. You pay a less expensive price for a share in a service or goods that…
    - 30 Mar 16, 2:58am -
  • 5 Tips For Filing Late Taxes This Year
    Tax season is one of the most dreaded times of the year for most people. Each January as we begin the new year we know tax season is only a few short weeks away. Filing taxes can be an extremely…
    - 14 Mar 16, 11:22pm -

Teen Financial Literacy: It Starts at Home

  • Smart guidelines for teaching your teen about managing money
    Wayne Parker shares a number of insightful ideas for getting through to your teen about managing money. You may already be familiar with one or two, but you may be intrigued by others, such as holding family financial councils (one I found particular…
    - 12 Jan 12, 5:08am -
  • How to Talk to Your Teen about Money in a Way that Matters: The Ultimate Guide, Part 1
    Not so easy, eh?  What makes your teen willing to be in a conversation about money is that you are willing to: Make it real Make it matter Make it last Those are the Three Pillars of Parenting Teens with Great Money Skills.  If it isn’t real, if…
    - 11 Jan 12, 12:04pm -
  • Totally Money Carnival
    If you’re looking for all kinds of helpful articles about money, check out the Totally Money Carnival, which features a host of different topics from financial bloggers (including yours truly).   Posted weekly, this carnival includes informationa…
    - 10 Jan 12, 6:36am -
  • The Zen of Teaching Your Teen Money Skills: Finding Inner Peace While Your Teen Learns to Think about and Manage Money Well
    Teaching your teen great money skills isn’t hard?  It isn’t a lot of work?  It doesn’t require expertise in money management? No…it doesn’t.  What’s really hard is: Pretending, hoping, wishing, and dreaming that your teen will be fine…
    - 9 Jan 12, 7:42am -
  • 1/6/12 – This Week’s Roundup
    Happy Friday!  Here are some of my favorite reads from the week.  I encourage you to take a few minutes out of your busy day to take a peek and get your thoughts churning! 5 Unusual Ways to Raise Successful Children.  This is a guest post from Nat…
    - 6 Jan 12, 9:08am -

Go Banking Rates


  • Georgia Food Assistance Registration and Login
    The Georgia Food Stamp Program, Federally known as the Supplemental Nutrition Assistance Program (SNAP), is a federally-funded program that provides monthly benefits to low-income households to help pay for the cost of food. A household may be one…
    - 12 Sep 15, 9:06am -
  • Michigan Food Assistance Login and Registration
    Temporary food assistance for eligible low-income families and individuals is available from the U.S. Department of Agriculture. Use MI Bridges to apply for assistance, check your eligibility status and manage your account online. For…
    - 12 Sep 15, 8:49am -
  • Cold Getting Too Much? Choosing a Safe and Affordable Space Heater
    Be Safe, Be Warm, Be FrugalAs people suffer through one of the coldest winters on record in recent years, many are seeking additional ways to heat their homes at the lowest cost. Fuel prices continue to soar and electric bills rise as family membe…
    - 23 Feb 14, 2:00pm -
  • Relax, You've Got Time - Two Great Options to Replace Windows XP
    Windows XP users, you’ve known this day was coming eventually. You resisted Vista and Windows 7 and you were right to do so. Windows XP turned out to be a reasonably robust platform with few of the more laughable problems in the Windows history…
    - 22 Feb 14, 2:00pm -
  • Watch Out for this Scam - Small Charges a Big Scam
    Scammers try to fly under your radar by charging small amounts on your credit card.When logging on to your credit card account, have you noticed any peculiar charges that you can't remember making? The Better Business Bureau recently released a na…
    - 21 Feb 14, 2:00pm -

The Credit Letter

  • Competition: Win $300 Luxury Hotel Voucher
    We’re offering the chance for 1 lucky Australian to win a $300 hotel voucher to use at any Hilton hotel. Anyone can enter, so tell your friends and family. What’s up for grabs? Picture yourself checking into a 5 star hotel on the beach or in a bu…
    - 26 Oct 14, 3:01pm -
  • How Much Money Do Consumers Spend Online Each Minute?
    Each year, more and more money is being spent online by consumers buying clothes, beauty products, electronic gadgets, flights, hotels and everything else you can imagine. Buy it now: Watch the realtime pace of online spending [Interactive Page] To m…
    - 11 Aug 14, 11:04pm -
  • 10 Tips to Make the Most of Your Credit Card
    Credit cards are a very useful financial tool by giving you the flexibility to conveniently pay for things without having the cash on you. Of course, a debit card can do that too but a credit card enables you to spread the cost of big-ticket purchase…
    - 11 Aug 14, 10:20pm -
  • 11 Questions with Chris Guillebeau
    If you are into travel hacking, then you’ve probably heard of Chris Guillebeau before. If you haven’t, you’re in for a treat. Chris is seriously talented at earning frequent flyer points and knows how to get the most value out of them. If you f…
    - 21 May 14, 6:30pm -
  • Who Really Owns the Big Four Banks?
    In response to concerns over how our financial institutions operate, we recently launched a piece of research on the issue of bank ownership in Australia. Often consumers who choose to bank with smaller, more independent banks may, in fact, be bankin…
    - 18 May 14, 6:30pm -


  • Webinar: Year End Tax Planning For The Small Business
    Please join us for this webcast in which we will identify and assess effective small business year-end strategies for 2015 and beyond. We will cover techniques for managing overall income tax liabilities, timing of income and deductions, and the late…
    - 5 Nov 15, 8:56am -
  • Do I Have To Repay The First Time Homebuyer Credit Immediately?
    The first-time homebuyer credit for homes purchased in 2008, with few exceptions, must be repaid over a 15 year period and takes the form of a $7,500 interest-free loan. What happens if the home is sold or no longer is your primary residence? In th…
    - 3 Jun 15, 5:01am -
  • Tax Nexus For Employers That Allow Employees To Telecommute
    Employers that allow their employees to telecommute across state lines may be at risk for exposing their company to additional tax filings. Each state has a different set of rules for establishing nexus or "doing business" in their state, but there…
    - 8 May 15, 3:24pm -
  • Recap Of Our Small Business Twitter TaxChat
    We had the pleasure of hosting a small business Twitter TaxChat15 with Andrew Schrage from Money Crashers with the help of MasterCard. We asked 9 thought provoking tax questions to Andrew and the rest of the community. If you were unable to join th…
    - 7 Apr 15, 4:39pm -
  • Join Our TaxChat For Small Businesses on Tuesday 4/7, 1:30PM EST
    BIDaWIZ and our partner, MasterCard, will be hosting a Twitter TaxChat on Tuesday 4/7 at 1:30PM EST to discuss last minute tax filing tips for small businesses with Andrew Schrage from Money Crashers. Andrew is a personal finance and small business…
    - 2 Apr 15, 7:29am -

The Truth About Mortgage

  • newShould You Drive Until You Qualify for a Mortgage?
    In the mortgage/real estate world there’s the saying, “Drive until you qualify.” It’s a cute way of saying if you can’t afford a home in a certain (desirable) area, hop on the highway and keep driving until home prices get more affordable.…
    - 18 hours ago 25 Jul 16, 4:19pm -
  • New Guaranteed Rate Double Match Mortgage Gives You 2% of the Down Payment for Free
    No it’s not déjà vu, or Groundhog Day. Guaranteed Rate has launched yet another 1% down payment mortgage in the span of about a month. However, their new “Double Match” loan program is quite a bit different than their previously announced 1%…
    - 4 days ago 22 Jul 16, 12:06pm -
  • FirstREX Will Provide Half Your Down Payment in Exchange for Future Appreciation
    If you’re a little light on down payment funds, a company called FirstREX might be able to help you out, for a cost. Put simply, their “REX HomeBuyer” product will give you up to 50% of the down payment you make on a home in return for an “eq…
    - 5 days ago 21 Jul 16, 2:07pm -
  • Time Heals All Real Estate Wounds If You Let It
    Let’s talk about real estate investment for a moment. A recent commentary from mortgage financier Freddie Mac revealed that those aged 54 and older control about two-thirds of the home equity in single-family homes throughout the United States. How…
    - 5 days ago 21 Jul 16, 11:24am -
  • Is Housing Affordability Really That Great?
    I keep seeing these data-driven posts from the likes of Zillow and other major real estate analytics companies making claims that housing affordability remains strong thanks to low mortgage rates. For example, Zillow mentioned that a home buyer earni…
    - 6 days ago 20 Jul 16, 2:00pm -

All About Living With Life

  • 20 Way Quotes To Usher the New Year
    1. The way of success is the way of continuous pursuit of knowledge.- Napoleon Hill 2. Problems are the guiding lights along the way of life. - Debasish Mridha 3. The only way to live is by accepting each minute as an unrepeatable miracle. - Jack K…
    - 1 Jan 16, 9:00am -
  • 5 Words to Live By in 2016 and Beyond
    Words are singularly the most powerful force available to humanity. We can choose to use this force constructively with words of encouragement, or destructively using words of despair. Words have energy and power with the ability to help, to heal, to…
    - 30 Dec 15, 9:00am -
  • 15 Task Quotes To Inspire You and Get Things Done
    1. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and starting on the first one. -Mark Twain 2. I long to accomplish a great and noble task; but my chief duty is to accomplish small tasks as if…
    - 28 Dec 15, 9:00am -
  • 15 Rest Quotes For You to Take a Break
    1. He that can take rest is greater than he that can take cities. -Benjamin Franklin 2. Rest is not idleness, and to lie sometimes on the grass on a summer day listening to the murmur of water, or watching the clouds float across the sky, is hardly…
    - 25 Dec 15, 9:00am -
  • 15 Skill Quotes to Enhance Your Strengths
    1. Training and managing your own mind is the most important skill you could ever own, in terms of both happiness and success. - T. Harv Eker  2. The most complicated skill is to be simple. - Dejan Stojanovic 3. Learning how to learn is life's mos…
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  • How to Choose the Best Broker
    It is obvious enough that online trading is a lot easier and more convenient — not to mention faster. Through online investing, the online traders would need to hire online brokers to assist them with the trading transactions. As there are a variet…
    - 10 Oct 13, 12:58pm -
  • Choosing Your IRA Provider
    Are you planning to open an IRA account? Opening an IRA account provides you a great opportunity to save loads of cash for your retirement. The special tax considerations that are given to IRA accounts make it one of the best ways to save money for y…
    - 25 Mar 13, 1:52pm -
  • 2013 Retirement Account Contribution Limits
    2013 is the year where you can save up more funds for your brighter and more prosperous future. The IRS already announced the new contribution limits for various retirement accounts such as 401(k), IRA, and Roth IRA. The best news is that there is a…
    - 7 Jan 13, 2:49pm -
  • Highest Money Market Rates
    Money market investing involves lending and borrowing money or assets on a short-term basis. Maturities usually last less than a year or up to 13 months maximum. Because of this nature, money market is considerably stable, safe and very liquid. Its c…
    - 27 Dec 12, 1:50pm -
  • How to Sell Penny Stocks
    Since penny stocks are the cheapest stocks in the market, they are easier to invest with. Most new investors who do not have big amount of money for capital prefer to buy penny stocks to start with their investment. However, penny stocks are riskier…
    - 27 Dec 12, 1:45pm -