Get Rich Slowly

  • newIs your 401(k) keeping up with the Joneses?
    This is a post from staff writer Robert Brokamp. Would you like to know how much your friends or relatives have in their 401(k)s? Of course you would! And once you found out, you’d compare their balances to yours. After all, most of us want to know…
    - 16 hours ago 30 Oct 14, 5:00am -
  • What can we learn from Gen Y’s view of money?
    This article is by staff writer Kristin Wong. Recently, Fidelity released another survey about millennials and money. They found that 47 percent of us are saving for retirement. To me, that stat was really telling about our generation’s view of pe…
    - 2 days ago 29 Oct 14, 5:00am -
  • Investing: Two ways to beat average returns
    This article is by staff writer William Cowie. If you are serious about your financial future, you’ve got to be serious about investing. Enough has been said about that, so I won’t belabor the point. But here’s a financial maxim that can’t be…
    - 3 days ago 28 Oct 14, 5:00am -
  • What does your job tenure say about you?
    This article is by staff writer Honey Smith. Recently, I wrote about networking strategies that can help advance your career, and that got me to wondering what a “typical” career looks like these days. How have careers been affected by the Great…
    - 4 days ago 27 Oct 14, 5:00am -
  • Ask the readers: Should we get married sooner to lower our taxes?
    This article is by editor Linda Vergon. Landen and his fiancé are planning to get married in the fall of 2015 and they’re starting to think about how to blend their financial lives together as they tie the knot. There are always a lot of decisions…
    - 7 days ago 24 Oct 14, 5:00am -

The Simple Dollar

  • newBest Home Security System for 2014
    Home security is often not addressed until an intrusion has already occurred. According to the FBI, more than 2 million burglaries were reported in 2012. However, homes with alarm systems have shown to be 300% less likely to be broken into. It’s ev…
    - 4 hours ago 30 Oct 14, 5:00pm -
  • new15 Ways to Reduce Your Loans While You’re Still in College
    Stories of college graduates struggling to deal with their student loans are enough to scare away any bright-eyed college hopeful. If you’re thinking about college or in school right now, there are plenty of steps you can take to help reduce th…
    - 7 hours ago 30 Oct 14, 2:00pm -
  • new14 Simple Life Hacks That Have Each Saved Me $100 (Or More) Since My Financial Turnaround
    As many of you know, I’m constantly trying out little lifestyle changes and tweaks just to see if they’re something that actually saves money and if they’re something that integrates well into my life. I’ll usually try out these tactics for a…
    - 13 hours ago 30 Oct 14, 8:00am -
  • newGive Your Entire Home a Makeover for Under $500
    You pull into your driveway, glance at the yard, and a wave of disgust sweeps over you. The yard is a mess and you can’t stand to look at it another day. And that’s just the beginning. A tap of the garage clicker reveals a cluttered chasm of ch…
    - 15 hours ago 30 Oct 14, 6:00am -
  • Best Student Loans in 2014
    Are you having a hard time finding out what the best student loans are? You might also be wondering how to nab the best student loan rates. You’re not alone if you think figuring out how you’ll pay for college is a stressful, complicated process.…
    - 1 day ago 29 Oct 14, 5:00pm -

Consumerism Commentary

  • Naked With Cash: Brian, September 2014
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedbac…
    - 1 day ago 29 Oct 14, 12:34pm -
  • Naked With Cash: Jake and Allie, September 2014
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedbac…
    - 2 days ago 29 Oct 14, 8:33am -
  • The One Action You Need to Take in Any Market Correction
    As of today, the Dow Jones Industrial Average has erased all of its gains this year. We’re not quite in “market correction” territory, though. The S&P 500 is still up year-to-date, but it isn’t presenting as fantastic a return as was evident…
    - 10 days ago 20 Oct 14, 10:11am -
  • Mark Cuban Wants to Cap Student Loans at $10,000
    We expect much from people we see on television. And it’s worse when we perceive someone to be smart and talented, even if they’re speaking beyond their area of expertise. We think someone who is a great community leader or someone who is a great…
    - 17 days ago 13 Oct 14, 1:21pm -
  • Hard Work and Practice Can’t Guarantee Success
    I’ve written extensively about taking control of one’s own finances. My life changed for me when I realized I had more control over my personal situation than I previously believed. Every human has the power to make every decision based on a futu…
    - 22 days ago 8 Oct 14, 3:22pm -

Free Money Finance

  • FMF on Hiatus
    Well, as they say, all good things must end. Or at least take a break. I started this blog over nine years ago simply to chronicle my financial thoughts and progress. Now, nearly a decade later, it's time to put...
    - 44 days ago 17 Sep 14, 3:29am -
  • Help a Reader: Maxing Out after Reaching 401k Limit
    Here's an email I recently received from a reader: Some background info: My baseline gross salary is $74k, but with recent overtime it's looking like I'm on pace to make closer to $85k this year. I've been contributing 30% pre-tax...
    - 46 days ago 15 Sep 14, 3:29am -
  • Reader Profile: KP
    The following is the latest post in my "Reader Profiles" series. Each post in this series details the financial situation and challenges of an FMF reader. The purpose of this series is to help us all identify with people like...
    - 49 days ago 12 Sep 14, 3:29am -
  • Help a Reader: Dealing with a Pension
    Here's an email I recently received from a reader: I was hoping to get some help from your readers in determining my best option. I received an offer from a former employer with whom I am entitled to receive a...
    - 51 days ago 10 Sep 14, 3:29am -
  • The New Retirement Rule?
    I'm not sure they were trying to do this, but I think Time magazine just came up with the new rule for having a great retirement nest egg. Their thoughts: Save 15% of pay for 30 years and you will...
    - 53 days ago 8 Sep 14, 3:29am -

Wise Bread

  • newBest Money Tips: How to Get Along With Anyone
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some excellent articles on how to get along with anyone, tried-and-true frugal living tips, and last-minute Halloween savings.Top 5 ArticlesHow to Get Along With Almost Anyone (It’s…
    - 8 hours ago 30 Oct 14, 1:00pm -
  • newBest Deals for Thursday 10/30
    Link for teaser title: Lucky Brand Jeans: Up to 50% off sale items, Petco: 20% off entire pu…
    - 9 hours ago 30 Oct 14, 12:16pm -
  • new5 Things Millennials Do Later Than Previous Generations Did
    For millennials — young adults ages 18 to 33 — life unfolds a bit more slowly than it did for previous generations. Blame it on their entrepreneurial spirit or the Great Recession, but either way millennials have been hitting life's landmarks —…
    - 10 hours ago 30 Oct 14, 11:00am -
  • new8 Ways to Save on a First Date Without Looking Cheap
    A first date is your chance to get to know someone better — and if you're lucky, make a love connection. However, if you come off as a cheapskate, you may never get the chance. (See also: If You're Doing This on a First Date, You're Not Getting a S…
    - 12 hours ago 30 Oct 14, 9:00am -
  • newBoost Your Home's Value With These 5 Projects
    Whether you've lived in your home for decades or just moved in, ROI's something to consider when thinking about home improvement projects.A good first step — especially if you plan to sell in the near future — is to invite a trusted agent over…
    - 14 hours ago 30 Oct 14, 7:00am -

Planting Money Seeds

  • newService-Based Home Business: Diversify Your Offerings
    Does your home business need a little more diversity? Is it time for your service-based business to offer a little bit more? My home business offers a service. I make money by providing writing services to others. It’s been a good business for me,…
    - 17 hours ago 30 Oct 14, 4:19am -
  • What Will Money Look Like in the Future?
    Money has gone through many makeovers in the past. What will it look like in the future? A few weeks ago, I took a trip to Valley Forge with my son and my cousin. One of the displays included money used by soldiers in the camp. It was an interesting…
    - 4 days ago 27 Oct 14, 3:10am -
  • I May Never Own a Home Again
    I think owning a home is overrated. Why I may never own a home again. Not too long ago, I closed on the sale of my home. I had been ambivalent about buying in the first place (although, overall, I felt good about the house), but the whole closing pro…
    - 8 days ago 23 Oct 14, 2:58am -
  • In Which My Mom Saves My Butt. Twice.
    If you look for me around the interwebs, you’ll find that sometimes I’m identified as a “financial expert.” This makes it all the more embarrassing when my mom saves my butt. When I left home for college low these many years ago, I figured I…
    - 11 days ago 20 Oct 14, 2:16am -
  • Millennial Money by Patrick O’Shaughnessy
    Looking for an investment strategy that works for you? Millennial Money can get you on the right track to a successful retirement. When you look at how different generations are investing, it becomes apparent that Millennials are missing out. They ju…
    - 15 days ago 16 Oct 14, 2:55am -


  • 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…
    - 51 days ago 10 Sep 14, 7:00am -
  • 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:…
    - 82 days ago 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 -
  • How Big Should an Emergency Fund Be?
    No matter how much solid financial planning we put in, life cannot be reduced down to complete predictability. Indeed, there are always unexpected expenses, large and small, that can crop up. And, you never know when […]Read Another Article:Star…
    - 17 Dec 13, 6:00am -


Five Cent Nickel

  • Funding Higher Education with an ISA
    Have you ever watched the popular television show “Shark Tank”? In it, entrepreneurs pitch their young businesses to five rich tycoons (the “sharks”) in hopes of attracting an investment from one or more of them. Some entrepreneurs are youngs…
    - 2 days ago 29 Oct 14, 2:00am -
  • 10 Steps on the Career Ladder
    With the unemployment rate recently edging below 6 percent, the job market is starting to look healthier than it has been since before the Great Recession. While that market does not yet favor employees the way it did during the 1990s, it has recove…
    - 4 days ago 27 Oct 14, 2:00am -
  • When Taking Vows, Vow to Spend Less
    Talk to anyone 19 to 90, and they’re likely to have very clear memories of their first experience going steady. Mine came at the decidedly ancient age of 17, and I can recall that star-crossed life chapter like it happened last week. My perky, maho…
    - 9 days ago 22 Oct 14, 2:00am -
  • Top 10 Money Mistakes New Parents Make
    Having a child is an exciting and exhausting experience. The feeling of holding your newborn in your arms cannot be described in words. Along with this exhilarating feeling, though, comes sleep deprivation, hectic schedules and the determination to p…
    - 11 days ago 20 Oct 14, 2:00am -
  • The Latest Occupational Hazard? Binge Working

    - 14 days ago 17 Oct 14, 2:00am -


  • 4 Common Myths About Financial Planning
    There are a lot of people out there who know they need financial planning but are still unclear about what financial planning actually is.  So to help you better understand the importance of financial planning, I’ve debunked four major myths about…
    - 3 days ago 27 Oct 14, 10:11am -
  • American Family Budget: One Year Later
    My husband keeps a pile of wadded-up 20-dollar bills in a drawer in our bedroom. He says he’s saving up for our son’s Christmas gift – a LEGO set with a price tag so high that I am ashamed to share it here. It’s nice that he is doing that, I…
    - 10 days ago 21 Oct 14, 3:02am -
  • Wedding Gifts: What’s Proper and What’s Not?
    If it’s been awhile since you’ve attended a wedding, or if you’re a young adult whose friends are just starting to tie the knot, you may feel clueless about buying wedding gifts. You’re not alone: giving gifts for big life occasions can be tr…
    - 10 days ago 20 Oct 14, 10:30am -
  • Winterproof your Home on a Budget (Infographic)

    - 14 days ago 16 Oct 14, 10:22am -
  • 4 Important Questions to Ask Yourself Before Purchasing a Daily Deal
    At this point in time, there’s a real good chance that half the e-mails you receive and that aren’t immediately filtered to your Spam folder are for Daily Deals. Sites like Groupon and Living Social bombard you with multiple intriguing offers eve…
    - 15 days ago 15 Oct 14, 10:00am -


  • 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…
    - 45 days ago 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 Otto, 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. Debt co…
    - 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 Otto, 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, I…
    - 14 Apr 14, 6:00am -
  • Business and Hustling Lessons from the WWE Network
    Note: This is a post from Joan Otto, 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 last m…
    - 7 Apr 14, 6:00am -
  • You Want It. You Buy It. You Forget It.
    Note: This is a post from Joan Otto, 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 red,…
    - 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… READ MOREThe post Report Predicts STEMM Jobs Growth Will Outpace STEMM Graduates appeared first on Affordable Schools O…
    - 27 May 14, 3:00am -
  • 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… READ MOREThe post Enrollment Shortfalls Breed Competition For College Students appeared first on Affordable Schools Online.
    - 20 May 14, 3:00am -
  • 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… READ MOREThe post You Don’t Always Have to Accept the First Financial Aid Award You’re Offered appeared first on Affordable Schools Onl…
    - 21 Apr 14, 3:00am -
  • 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… READ MOREThe post Student Loans: Think Before You Borrow appeared first on Affordable Schools Online.
    - 18 Apr 14, 3:00am -
  • 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,… READ MOREThe post These Libraries Elevate the Studying Experience appeared first on Affordable Schools Online.
    - 16 Apr 14, 3:00am -


  • newAchieve Your Financial Goals By Focusing on this One Thing
    “Today is the only important day. There are 86,400 seconds in a day, and how you use those are critical.” As someone who’s training to run a marathon next June, I’m constantly bookmarking inspirational quotes and videos I find online. The abo…
    - 15 hours ago 30 Oct 14, 6:00am -
  • 5 Creative and Fun Ways to Reach Your Financial Goals
    Regularly setting financial goals, and mapping out a plan to reach those goals, is a practice that can transform your life. The problem is, while it’s fun to think of big goals and imagine your dream life, it can be hard to find the motivation to t…
    - 2 days ago 29 Oct 14, 6:00am -
  • How to Stop Yourself From Spending Your Emergency Fund
    What truly constitutes an emergency? Many of us tend to justify taking money out of our rainy day fund by calling something an emergency when, really, it’s not a true emergency. As you work on building your emergency fund, take a step back and c…
    - 3 days ago 28 Oct 14, 6:00am -
  • 3 Sneaky Scams I Fell For (and How You Can Avoid Them)
    If you read or watch the news, you’ve likely noticed one scary thing: fraud is on the rise and perpetrators aren’t cutting victims any slack. This is even more evident as the holiday season gets closer, as consumers are trying to avoid the crazy…
    - 4 days ago 27 Oct 14, 6:00am -
  • Should We Borrow Money From Our Home Equity to Pay Off Debt?
    One of the pieces of advice you hear over and over in the financial industry is, to not borrow money against your home for basically any reason. There are some people who suggest that it’s OK to take out a home equity line of credit (or HELOC) so…
    - 6 days ago 25 Oct 14, 6:00am -

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

All Financial Matters

  • Ten Years Gone By…
    It is hard to believe that I started blogging ten years ago today. I remember going to lunch with a group of men from my church. After lunch, I came home and set up AllThingsFinancial on the blogger platform. Why did I start blogging? I had read an a…
    - 18 days ago 13 Oct 14, 8:22am -
  • Finally Moved In…
    I’m happy to report that we FINALLY got moved into our new house nearly two weeks ago. I just got internet set up on Tuesday. As you can see, I still have some work to do on my office…
    - 21 days ago 9 Oct 14, 12:59pm -
  • Check Out the Flipboard Magazine
    I created a Flipboard Magazine awhile back in an attempt to organize articles I found interesting. Please check out the Flipboard Magazine and tell me what you think. If you would like to be a contributor, send me an email (JL…
    - 48 days ago 12 Sep 14, 11:39am -
  • What Are You Reading or Listening to These Days?
    We moved to our temporary location a couple of weeks ago. We will be here until our house is complete in a few more weeks. I have been driving my kids back and forth to school in another town (the school in the town we will be living in). It’s 30 m…
    - 51 days ago 9 Sep 14, 11:17am -
  • Letter from a Father to His College-Bound Son
    This is great… I heard this while listening to “The Book of Man” by William Bennett. It is a letter written by John D. Swain as his son headed off to Yale. It’s from 1912, but the advice is still good today. Common sense never goes out of sty…
    - 62 days ago 29 Aug 14, 10:29am -

Cash Money Life

  • Moving and Banking: Do You Change Things Up When You Move?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Moving and Banking: Do You Change Things Up When You Move?.I recently made the trek across the country to take up a new abode. I’ve researched the…
    - 4 days ago 27 Oct 14, 9:18am -
  • Federal Tax Extension Deadline – October 15
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Federal Tax Extension Deadline – October 15.If you filed for a federal tax extension in April, your tax forms need to be filed by October 15th.  T…
    - 21 days ago 10 Oct 14, 8:42am -
  • 3 Reasons to Help Your Child Invest
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 3 Reasons to Help Your Child Invest.We often think of investing as a “grown up” thing to do. Many of us don’t think about letting our kids inve…
    - 29 days ago 1 Oct 14, 2:54pm -
  • How to Find Ideas For a Part-time Business
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Find Ideas For a Part-time Business.Millions of people dream about starting their own businesses. But dreaming is usually as far as it goes. R…
    - 49 days ago 12 Sep 14, 6:40am -
  • How Learning “Math for Life” Can Help You Make Better Financial Decisions
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How Learning “Math for Life” Can Help You Make Better Financial Decisions.When I graduated with my Master’s in Journalism, I thought I was goin…
    - 50 days ago 10 Sep 14, 1:58pm -

PT Money

Clever Dude

  • Customer Service: A Tale Of Two Stores
    Image courtesy of stockimages at I want to play a game with you today. I’m a big proponent of voting with my spending dollars. If a business treats me right, I keep spending my money there. If they treat me badly, I take my mo…
    - 2 days ago 29 Oct 14, 5:28am -
  • Is Any Sale Really Final?
    Image courtesy of Idea Go at “Just to let you know, all Halloween sales are final,” said the cashier as she handed me the receipt. Nodding our heads in agreement, my wife and I walked out the store with a bag full of decorat…
    - 4 days ago 27 Oct 14, 3:00am -
  • Clever Posts Of The Week – October 24th
    While getting ready for the day, I stretched in front of my bathroom mirror.  In my early morning fog, I didn’t pay a lot of attention to where I was extending my arms, and I ended up hitting the light fixture on the wall above the mirror…..and…
    - 7 days ago 24 Oct 14, 6:01am -
  • FREE Software That Can Save You Headaches and Money
    Image courtesy of Stuart Miles at My dad doesn’t talk much during my weekly phone calls with my parents, but he does pop on the line every now and then to get the abbreviated version of what’s going on. On one particular nig…
    - 9 days ago 22 Oct 14, 3:00am -
  • Can Kcups Be Used More Than Once?
    My wife is a coffee drinker, however I am not. It’s a strange phenomenon as I love the smell of freshly brewed coffee, but I cannot stand the taste. Even more strange is the fact that coffee tastes almost exactly how it smells. Despite my lack of l…
    - 11 days ago 20 Oct 14, 3:00am -

Dough Roller

Stop Buying Crap

My Money Blog

  • newCiti American Airlines AAdvantage Mastercard Review: 50,000 Bonus Miles (Updated)
    Updated. American Airlines and US Airways have announced new details about their upcoming merger. As expected, the two frequent flier programs will merge and all the miles will become American AAdvantage miles in 2015. (US Airways Dividend miles will…
    - 8 hours ago 30 Oct 14, 1:43pm -
  • newUS Airways Premier World MasterCard Review: 40,000 Mile Bonus (Updated)
    Updated. American Airlines and US Airways have announced new details about their upcoming merger. As expected, the two frequent flier programs will merge and all the miles will become American AAdvantage miles in 2015. (US Airways Dividend miles will…
    - 8 hours ago 30 Oct 14, 1:41pm -
  • newConsumer Reports Online Discount: 50% Off, $15 a Year
    This AmazonLocal deal can get you online access at $15 for a 1 year subscription or $25 for 2 years, which is at least 50% off the normal price. Not valid for current online members or renewals. Subscriptions will not renew automa…
    - 8 hours ago 30 Oct 14, 1:21pm -
  • newScary Longevity Charts for Couples in Retirement
    It’s time for some morbid Halloween thoughts! Via an AAII interview with William Sharpe, it appears that the Nobel Prize winner and Sharpe Ratio namesake is working on a software project called Retirement Income Scenarios (blog and software site).…
    - 20 hours ago 30 Oct 14, 12:59am -
  • 529 College Savings Plans: State-by-State Tax Benefit Comparison
    When choosing a 529 college savings plan, you’ll often have to weigh any in-state benefits with the superior investment options from an out-of-state plan. Every state seems to have their own unique combination of tax deductions and/or matching gran…
    - 2 days ago 29 Oct 14, 1:28am -

Saving to Invest

  • Year End Tax Moves You Can Start Making Now
    With year-end around the corner most people are far more focused on holiday shopping rather than on reducing their tax liability. But the fact is that unless you make tax saving moves before year end, you may end up paying Uncle Sam (a.k.a the IRS) a…
    - 4 days ago 26 Oct 14, 3:01pm -
  • Final 2015 IRA and 401K Contribution Limits
    Millions of Americans contribute to an employer sponsored 401K or traditional IRA (Individual Retirement Account). And over the last few years the government has steadily been increasing the maximum contribution people can make to ensure that folks c…
    - 6 days ago 24 Oct 14, 4:14pm -
  • 2015 Social Security Changes After 1.7% COLA Increase (Final Figures)
    The Social Social Administration (SSA) announced a 1.7 percent cost of living adjustment (COLA) for 2015 (vs 1.5% in 2014). As a result the following changes to your social security taxes and income will result. All changes will take effect in Janua…
    - 7 days ago 24 Oct 14, 8:23am -
  • How to Choose a 529 Plan And Save Now For Future College Costs – Prepaid vs. College Tax Savings Plan
    With my son approaching another birthday, I’ve started thinking more seriously about his schooling from elementary to college/university. My parents paid for a significant part of my education and I would like to do the same for my son. Given the…
    - 7 days ago 23 Oct 14, 7:46pm -
  • 2015 Earned Income Tax Credit (EIC) Limits
    [Update] Final projections are now out for the 2015 Earned Income Tax credit (EITC) which are shown in the table below. There have been some minor increases over the 2014 EITC amounts and qualifying limits as a result of mandated inflation adju…
    - 18 days ago 12 Oct 14, 7:28pm -

No Credit Needed

  • Call For Discounts
    This tip is an oldie but a goodie – and it works for me: From time to time, I call the companies with which I do business – and ask for discounts. I just (literally, one minute ago) got off the phone with our television provider – and was able…
    - 6 days ago 24 Oct 14, 9:56am -
  • Avoid These Budgeting Mistakes
    My family and I have been living on a budget for nearly 10 years.  Over that time, we’ve made our share of mistakes – and we’ve adopted some valuable habits.  When making your budget, consider the following – Do not wait until the last minu…
    - 30 days ago 30 Sep 14, 6:00pm -
  • How To Save Money On Repairs
    Here are a few tips and tricks for saving money on repairs – Keep track of your manuals.  I have a binder wherein I keep the manuals for all of the tools and appliances that we buy.  Quick tip – If you’ve lost your manual, check online.  Sea…
    - 31 days ago 29 Sep 14, 12:05pm -
  • How We Are Paying Off Our Mortgage
    We have a 15-year fixed-rate home mortgage – and we are working hard to pay it off in less than 10 years. We purchased our home in February of 2010.  The original mortgage term of our our loan was 180 months, with the loan due to be paid off in Ma…
    - 32 days ago 28 Sep 14, 4:42pm -
  • Getting Our House Ready For Fall
    A quick Google check confirms it:  The first day of fall is September 22. I had to look that up just to be sure, because the high today was 91 degrees, which is decidedly un-fall-ish. In just a few weeks (hopefully!) the weather will turn and fall w…
    - 46 days ago 15 Sep 14, 5:00am -

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

  • WTF Wednesday: Five-Finger Fresheners
    What up what up! And welcome to the first post of a new series I like to call “WTF Wednesdays.” Now you might be thinking to yourself, “WTF are WTF Wednesdays?” If so, allow me to enlighten you. WTF Wednesdays will be dedicated to the random,…
    - 2 days ago 29 Oct 14, 3:02am -
  • 10 Habits That Made Me a Millionaire at 27
    [Happy Monday guys :) Thought we'd start it off right this week with a pretty kick-ass article from my old friend Anton. Last time he shared with us his money lessons from growing up in the former USSR, and now - a year later - he's officially a mill…
    - 4 days ago 27 Oct 14, 3:02am -
  • Having Enough
    Every few weeks I’ll lean in to my wife and whisper, “If I were to die tomorrow, I’d be a happy man.” It freaks her the hell out (and rightfully so) but it’s a reminder to her, and more importantly to myself, that as of this day in time I h…
    - 7 days ago 24 Oct 14, 3:06am -
  • Republic Wireless Motorola E Giveaway! (x2)
    What up what up frugal gangsters! My new favorite wireless carrier just released their latest (cheap-as-hell) smart phone, and because they think budgets are sexy too they’re shipping me two to give away to y’all today :) Along with 3 months of f…
    - 9 days ago 22 Oct 14, 3:04am -
  • The “Challenge” Savings Account Total: Month #1
    Yo. What’s good y’all? Get into anything juicy over the weekend? We hit up a fair yesterday where Baby Penny and I both slid down the tallest slide we’ve ever seen in our lives. And I won’t tell you which of us was the most frightened ;) But…
    - 11 days ago 20 Oct 14, 3:06am -

Smart On Money

  • 3 Signs You Need Help with Your Debt
    It's tempting to try to beat debt on your own, however, for many of us, a little support and help is needed. Here are some signs you might need help.The post 3 Signs You Need Help with Your Debt appeared first on Smart On Money and was written by Mi…
    - 13 days ago 17 Oct 14, 2:42pm -
  • What Do You Do With Your Savings?
    One of the basic pieces of advice that we are often given about money is to save more. But where do you put that money?The post What Do You Do With Your Savings? appeared first on Smart On Money and was written by Miranda Marquit.Copyright © Smart…
    - 49 days ago 11 Sep 14, 11:38am -
  • Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord
    There are people out there who are made to be landlords, but not me. Here's why I'd rather pay to unload my house than become a landlord.The post Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord appeared first on Smart On Money…
    - 87 days ago 4 Aug 14, 2:26pm -
  • Watch Out for Interest-Only Home Loans
    Now that the economy has picked up some, lenders are re-introducing a few "creative" financing methods. Here's one to watch out for, the interest-only loan.The post Watch Out for Interest-Only Home Loans appeared first on Smart On Money and was writ…
    - 9 Jul 14, 9:25am -
  • How To Stop Feeling Pessimistic About Retirement
    When many Americans think about retirement, they are pessimistic — and for good reason. According to a recent COUNTRY Financial Security Index survey, 25 percent of Americans say that they are not saving for retirement at all. If you aren’t savin…
    - 7 Jul 14, 7:54am -

Financial Samurai

  • newDo You Have The Right Money Mindset To Get Rich?
    A 63 year old man knocked on my garage door at 9:30am. I let him in because he was one of my contractor’s helpers. His task for the day was to install baseboards in my downstairs hallway and put up crown moldings in my master bedroom and master clo…
    - 17 hours ago 30 Oct 14, 4:38am -
  • Should I Contribute To My 401K Or Invest In An After-Tax Brokerage Account?
    The great thing about a 401k is that you are contributing with pre-tax money. The higher the tax bracket you are in, the more tax savings you will have. If you can start withdrawing from your 401k when you’re in a lower income tax bracket, then you…
    - 3 days ago 28 Oct 14, 4:48am -
  • Why Would An Aerospace Engineer Want To Be An Uber Driver?
    Previously, I had written about my struggling friend Jabir who was unemployed for a couple years before he discovered Uber. He drove for Uber for a year before switching over to be a dedicated hotel driver. In this post, my other friend Harry shares…
    - 5 days ago 26 Oct 14, 5:08am -
  • How One Company Is Trying To Screw Over A Loyal Employee
    For 10 years, Rachel dedicated her life to working for Up Yours Inc. She rose through the ranks from analyst to senior manager. But her path wasn’t smooth. I told her to find another job many times before because they weren’t treating her well. W…
    - 7 days ago 24 Oct 14, 5:08am -

Fiscal Fizzle

  • Thank You
    To all of my readers, supporters, and friends: As of 2014, this blog is no longer active. Thank you for a wonderful 5 years, where I got to share anything and everything that came to mind about money. Ultimately, my life and my priorities changed, an…
    - 14 days ago 17 Oct 14, 8:55am -
  • 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…
    - 16 days ago 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 decide to buy at a “warehous…
    - 43 days ago 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…
    - 93 days ago 30 Jul 14, 7:20am -
  • My Favorite Podcasts
    I don’t have a whole lot of “free” time on my hands lately, but I do one thing every single day that is required and consistent—I commute. Every single day, I’m afforded the gift of 20 minutes each way in my car with no distractions, except…
    - 20 Jun 14, 7:08am -

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 t…
    - 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

  • new100 Words On: Why You Should Never Cosign A Loan for Anyone
    Cosigning for a loan is one of the dumbest financial moves you could ever make. By cosigning, you not only assume liability for the borrowed money, but you also make it tougher on yourself to qualify for large loans — regardless of your payment his…
    - 20 hours ago 30 Oct 14, 1:15am -
  • 5 Tips to Stay Organized as a Freelancer
    Today, more than 17 million Americans rely on freelance work for their income. If you’re one of them — or hope to become one of them — you already know that freelancing offers a level of flexibility and self-determination that you just can’t…
    - 2 days ago 29 Oct 14, 1:15am -
  • An Insider’s View of the Millionaire Mind
    I spent years working in small business accounting so I’ve had a chance to know a number of self-made millionaires. As a result, I also got an insider’s view of their financial positions and behavior — both business and personal. It’s kind of…
    - 4 days ago 27 Oct 14, 1:15am -
  • Black Coffee: Why More Tax Revenue Will Never Be Enough
    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. I’ve got some honey-dos to take care o…
    - 5 days ago 25 Oct 14, 11:40am -
  • Entrepreneurs: 4 Key Questions to Ask Before Buying a Food Franchise
    One of the more interesting business opportunities that is often overlooked is the food franchise. As you might guess, there are many of these franchises available in the food and beverage area; they’re easy to find too. But how do you know whether…
    - 8 days ago 23 Oct 14, 1:15am -

Lazy Man and Money

  • newCoke and Free WiFi
    Recently, Coke announced that they will begin offering free WiFi to some rural villages in South Africa.  The internet acess will be provided by a Coke machine.  Depending on the success of the program, they may expand the program to other location…
    - 12 hours ago 30 Oct 14, 9:30am -
  • Are Stock Buy Backs Fictitious Growth?
    Several months back, I wrote about how I was investing in IBM mostly because I think Watson is going to be huge. It was a pretty good investment for awhile. I was up 10% and everything was puppies and rainbows. Last week, the investment took a dive.…
    - 3 days ago 28 Oct 14, 6:15am -
  • 18 Lessons and Thoughts about Buying Solar Panels
    Over the last few weeks, I've written a lot of articles about our move to solar power. While you can read them all here, I feel like I need some kind of summary. In each step of the process, I learned something new. Very often I learned it from comme…
    - 3 days ago 27 Oct 14, 10:45am -
  • Is Rodan and Fields a Scam?
    It's not often that a personal finance blogger says that they are getting involved in multi-level marketing scheme. However, earlier this week, I woke up to an email from a friend saying just that. Specifically it went like this, "I'm really sleepy b…
    - 7 days ago 24 Oct 14, 7:15am -
  • When Electricity is “Free”
    Last Friday, we signed the paperwork with our intent to get solar power. Over the last few weeks I've been writing about our move to solar power. If you are up-to-date on that you can skip the next few paragraphs. Otherwise, let me bring you up to da…
    - 8 days ago 22 Oct 14, 10:00am -

Mighty Bargain Hunter

  • newOh, you’re such a TEASE! Mastering teaser rates and more
    Do you like to be teased? If you’re seven, probably not.  If you’re twenty-seven and with your spouse or significant other … well, I’ll leave you two alone. Like everything else, it depends completely on the context.  And though businesses…
    - 22 hours ago 29 Oct 14, 11:21pm -
  • Credit card expiring soon? Eleven steps to stay in control
    My business credit card expires at the end of this month. I had had my brand-spanking-new one on my desk for over a month, and finally activated the card this month. Credit cards expire (and renew) for a number of good business reasons: Fraud protect…
    - 3 days ago 27 Oct 14, 8:34pm -
  • Fourteen travel tips for infrequent fliers

    - 12 days ago 18 Oct 14, 9:34pm -
  • Amazon listens! (and what we can learn)
    We do a lot of shopping through Amazon.  We love the convenience of our Amazon Prime membership, and even made the decision to get an Amazon rewards card. Amazon is a great place to save some money, easily. Amazon more or less singlehandedly gave ri…
    - 15 days ago 15 Oct 14, 11:02am -
  • Work shirts for a breakfast sandwich
    Clothes can say many different things. Such as: “I’m quietly confident.” Or: “I’m hip and stylish.” Or even: “I’m utterly tacky.” Regardless of the specifics, all clothes say: “I’m not naked.”  This is largely what I demand o…
    - 20 days ago 10 Oct 14, 9:47pm -

Personal Dividends

  • IRS Announces Retirement-Related Changes for 2015
    Every October, the IRS takes a look at the Consumer Price Index for the 12 months from September to September and determines what changes should be made in terms of cost of living increases for Social Security, as well as the rules for contributions…
    - 3 days ago 28 Oct 14, 6:00am -
  • Can You Really Make Money Following Your Passion?
    Often, we hear that you should follow your passion. As long as you are doing what you love, and you put in the work, you will succeed financially. You’ll never feel like you are working, and you’ll have material success as well as the warm fuzz…
    - 10 days ago 21 Oct 14, 6:00am -
  • When Does It Make Sense to Take a Loss on Your Home?
    Seven years ago, when my husband and I were shopping for our home, the real estate agent kept referring to our home as an “investment.” I had been writing about personal finance long enough (and I had read Rich Dad, Poor Dad) to realize that buyi…
    - 15 days ago 16 Oct 14, 6:00am -
  • Five Ways to Make Debt Consolidation Work
    Most of the time when people attempt to take debt consolidation loans, they fail miserably. They do for reasons that are too involved to cover here. But there are ways to make debt consolidation work, and here are at least five of them. 1. Treat it a…
    - 24 days ago 7 Oct 14, 6:00am -
  • 3 Financial “Rules” I Don’t Follow
    When I first started writing about personal finance back in 2006, I was big on the “rules.” Since I didn’t know much about money management — beyond the fact that, to that point, I hadn’t been great at it — I wanted rules to help me stay…
    - 31 days ago 30 Sep 14, 6:00am -

Money Crashers

  • new7 Home Remedies & Treatment for Chronic Back Pain Relief
    I’m a long-time sufferer of chronic and acute back pain. The first time I experienced pain was as a 20-year-old college student – I was lifting weights, and an inconsiderate gym-goer bumped into me as I was lifting a barbell over my head. I had t…
    - 5 hours ago 30 Oct 14, 4:10pm -
  • 6 Keys to a Comfortable and Happy Retirement
    Gene Perret, the comedy writer for such popular television shows as “All in the Family,” “Three’s Company,” and “The Carol Burnett Show,” once said of retirement, “It’s nice to get out of the rat race, but you have to get along with…
    - 1 day ago 29 Oct 14, 9:55am -
  • 4 Health Benefits of Trampoline Exercises – How to Choose the Right One
    Trampolines aren’t just for kids. The repetitive bouncing motion of trampolining actually has many health benefits that make it appropriate for people of all ages and almost all health statuses. The trick to getting the most out of a trampoline is…
    - 2 days ago 28 Oct 14, 2:45pm -
  • What Is Conscious Capitalism – Definition, Social Responsibility in Business
    The idea that a growing economy benefits all classes has a long history of acceptance. It has been embedded in political rhetoric for the past half-century, regardless of party – in fact, John F. Kennedy is credited with the saying, “A rising tid…
    - 3 days ago 27 Oct 14, 2:10pm -
  • 6 Benefits of Rowing Machine Workouts for Health & Fitness
    Rowing machines, like almost all fitness machines, have developed over time, taking their place in the inevitable cycle of fitness trends. As machinery improves and “new” ways to exercise are introduced, long-standing forms of fitness are brought…
    - 8 days ago 23 Oct 14, 7:10am -

The Military Wallet

  • 2014 Veterans Day Free Meals and Discounts
    This article was originally published on The Military Wallet at 2014 Veterans Day Free Meals and Discounts and is protected by US copyright laws.Updated: Oct. 28, 2014. Veterans Day is soon approaching and there are many restaurants and companies wh…
    - 7 days ago 23 Oct 14, 1:15pm -
  • Golden Corral Military Appreciation Monday – Free Dinner for Veterans
    This article was originally published on The Military Wallet at Golden Corral Military Appreciation Monday – Free Dinner for Veterans and is protected by US copyright laws.It has become popular over the last few years for restaurants to offer free…
    - 8 days ago 23 Oct 14, 8:32am -
  • 2015 Military Retirement Pay COLA – 1.7% Increase
    This article was originally published on The Military Wallet at 2015 Military Retirement Pay COLA – 1.7% Increase and is protected by US copyright laws.Military retirement pay is based on a percentage of your the base pay you received prior to ret…
    - 8 days ago 22 Oct 14, 2:44pm -
  • Tax Filing Deadline for Extensions – October 15th
    This article was originally published on The Military Wallet at Tax Filing Deadline for Extensions – October 15th and is protected by US copyright laws.Every year, millions of American taxpayers mark April 15th as the deadline for filing their inc…
    - 20 days ago 10 Oct 14, 7:09pm -
  • New In-State Tuition Rule for GI Bill Recipients
    This article was originally published on The Military Wallet at New In-State Tuition Rule for GI Bill Recipients and is protected by US copyright laws.Last month, Congress passed a new rule for GI Bill benefits, the Veterans Access, Choice and Accou…
    - 23 days ago 7 Oct 14, 7:45pm -

Deliver Away Debt

  • Wonga Hit with a $4.4 Million Compensation Bill
    Let the Loophole Wars Begin . . . Wonga has been in the news lately and for all the wrong reasons. Following an investigation by the Financial Conduct Authority the payday loan giant was hit with a $4.4 million compensation bill to be paid to no less…
    - 11 Jul 14, 9:45am -
  • Managing your money: All you need to know about payday loans
    Taking an in depth look into the media hype around payday loans Pay day loans have been receiving some particularly bad press in recent weeks, with the latest damning article published by The Telegraph suggesting that many short term loan borrowers a…
    - 2 Jul 14, 5:34am -
  • Family VS Individual Health Care Plans | What Are the Differences?
    Of course the main difference between family and individual health care plans is that the family type covers more people than just one, the individual. Hello, Captain Obvious! Now, since family care plans cover more people, they also cost more. Howev…
    - 22 May 14, 7:26am -
  • Aereo Micro Antenna and the Big Bad Broadcasters
    As a person who loves finding ways to save money and get stuff for free (legally of course), I am positively intrigued about an upcoming Supreme Court case which may actually decide the fate of how we consume media. The Backstory Aereo is a start-up…
    - 17 Apr 14, 10:34am -
  • Should a Senior Like Me Worry About Getting Life Insurance?
    This is a common question among individuals over the age of 50 and the answer to this question, with very few exceptions, is always yes. It’s not a question that tends to come about due to someone your age not wanting life insurance coverage; typic…
    - 12 Oct 13, 6:18pm -

Dual Income No Kids Finance

  • newOnline Banks: Are you convinced?
    Good morning Dinks.  Do you have an online bank yet?  I’m not asking if you log into your bank’s online portal to pay bills and transfer funds.  I want to know if your primary bank is completely virtual. When online banks were first introduced…
    - 18 hours ago 30 Oct 14, 3:00am -
  • What if you didn’t have to work 9 to 5
    Good morning Dinks.  Two months ago my company announced they are being sold to a competitor and although it’s supposed to be “business as usual” my current employer can’t help but talk about how beneficial it will be once the takeover begin…
    - 2 days ago 29 Oct 14, 3:00am -
  • Do you gamble with your money?
    I’m not asking if you go to a casino and drop $500 down on the table for one hand of Black Jack or one roll of the dice.  I mean do you like your income, expenses and debt to be consistent every month or are you OK if they fluctuate? Even though I…
    - 4 days ago 27 Oct 14, 3:00am -
  • Extreme Early Retirement
    Folks, I don’t know how many of you are big followers of personal finance blogs – however if you haven’t heard about the extreme early retirement movement, it worth reading up on. The main idea is to maintain your lifestyle while minimizing you…
    - 4 days ago 26 Oct 14, 9:10pm -
  • Weekly roundup: Gyms, retirement and cars
    Happy Friday Dinks.  How was your week?  Mine was great.  I’m feeling more and more at home in our new apartment and I joined a gym in my new neighborhood.  Yep that’s right I, lover of the outdoors, joined a gym.  For the next 12 months I w…
    - 7 days ago 24 Oct 14, 3:00am -

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…
    - 99 days ago 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 -


  • What Wikipedia Won’t Tell You About Investing in Yourself
    “Why would you spend money on two gym memberships?” I get asked this all the time. Depending on the person, my response changes. I can easily fire back with one of the following questions. Why the hell would anyone smoke cigarettes (or buy every…
    - 2 days ago 29 Oct 14, 9:00am -
  • The Solution to Insane College Costs and Endless Frustration (The Studenomics MBA)
    Are you ready for the best education ever? Do you want to figure life out in your 20s without the insane costs and endless frustration of college? I somehow managed to earn my degree debt-free in business. I wanted to pursue an MBA. I was ready for m…
    - 9 days ago 22 Oct 14, 9:00am -
  • Smart Personal Financing to Protect You and Your Family
    As the Great Recession of 2008 and 2009 showed the nation, it’s critical to have your own savings net to cover some of the harder times in life. Every family should have a solid personal finance plan to weather life’s unexpected storms. Basic Ins…
    - 11 days ago 20 Oct 14, 4:00am -
  • How To Get An Affordable Education
    Citing Forbes, an article about surviving university with money left over had this to say: “The numbers say it all: Since 1985, the price of college has increased a staggering 538%. Average student loan debt is approaching $30,000 per grad. And…
    - 20 days ago 10 Oct 14, 10:07pm -
  • The Logistics of Moving For College (Cheaply) Deconstructed
    When I first moved into my college dorm, the process was so daunting that it kept myself and my family steadily procrastinating and unable to pull the trigger to figure out the complicated logistics. Going to college almost 2,000 miles away from my f…
    - 20 days ago 10 Oct 14, 10:06pm -

Money Crush

  • Selling on Amazon FBA: My Personal Experience
    This post is from reader Jon of Money Smart Guides, a personal finance blog that helps readers get out of debt and start investing for their future. He provides actionable advice to get you to where you want to be financially. My experience I enjoyed…
    - 4 days ago 27 Oct 14, 6:00am -
  • Is Your Teen Ready for a Checking Account?
    Some parents may not consider allowing their young teen to get a checking account at all, but there are valid reasons why it can be good for them to have one. A checking account can teach them how to use ATM cards, debit cards, and even checks respon…
    - 11 days ago 20 Oct 14, 6:00am -
  • On Investing: Risk Could be Almost Entirely Optional
    This post is from an evangelist of an investment method called valuation-informed indexing (VII). The post compares and contrasts that method with the more traditional buy-and-hold method, talks about the potential impact on retirement, and points ou…
    - 18 days ago 13 Oct 14, 6:00am -
  • Find Your Money-Making “Something”
    When it comes to being successful and making more money, sometimes it’s hard to know exactly where to start. What if you don’t know what you’re good at, or are stumped for ideas? You know you want to do “something”, but aren’t sure what w…
    - 25 days ago 6 Oct 14, 6:00am -
  • Signing up for Obamacare: My Experience
    Signing up for Obamacare on during their Special Enrollment Period was a big part of what made quitting my job possible. (Open enrollment for 2015 starts November 15, but I didn’t need to wait for that because I met the qualifying ev…
    - 32 days ago 29 Sep 14, 6:00am -

Wealth Informatics

  • Why Start a New Career at 60+?
    Why Start a New Career at 60+? is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. I retired at 62, tired of what I was doing, wanting a change, to start my own business. Many of my genera…
    - 2 days ago 29 Oct 14, 4:00am -
  • How to Prepare for Your Homeowner Insurance Agent’s Visit
    How to Prepare for Your Homeowner Insurance Agent’s Visit is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. If you’ve had the same insurer for a number of years, it is highly likely…
    - 9 days ago 22 Oct 14, 4:36am -
  • Do You Pass Along Your Money Values?
    Do You Pass Along Your Money Values? is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. Whether we realize it or not, we all end up with certain ideas and attitudes about managing money.…
    - 18 days ago 13 Oct 14, 4:00am -
  • Ordering Stock, for the Uninitiated
    Ordering Stock, for the Uninitiated is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. If you didn’t grow up in an environment where buying and selling marketable securities was common,…
    - 37 days ago 24 Sep 14, 4:00am -
  • No One Cares More Than You Do
    No One Cares More Than You Do is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. I’m a pretty avid proponent of doing things yourself. Back in our younger years, if my spouse and I want…
    - 44 days ago 17 Sep 14, 4:00am -

Engineer Your Finances

  • newPurchases That Actually Add Value To Your Life
    Every day, advertisements bombard us from all angles to entice us to buy the things that companies want to sell to us. In some cases, the purchases made actually add value to our lives, but many more of our purchases do little more than suck money ou…
    - 13 hours ago 30 Oct 14, 8:34am -
  • Actions To Take Prior To Buying A Home
    Buying a home is a significant step financially, so you will want to make sure that you are doing everything right to get the best deal that you can on the home that you want. In order to get ready to buy a home, there are several actions you can tak…
    - 2 days ago 28 Oct 14, 12:23pm -
  • Personal Finance Basics That Everyone Should Follow
    Many people are advocating for more personal financial skills to be taught to students in high school as more and more people graduate with few personal finance skills. Currently, only 17 states in the U.S. require high school students to take a pers…
    - 6 days ago 24 Oct 14, 2:06pm -
  • Understanding Your Credit Score Will Increase Your Financial Security
    It is amazing to me that so many people in the United States have no clue what their credit score is or how that three-digit number affects many different areas of their lives. Many seem to think that their credit score will take care of itself as lo…
    - 10 days ago 20 Oct 14, 7:58pm -
  • Taking These Steps Will Rid You Of Credit Card Debt
    There are millions of Americans that are carrying thousands of dollars of debt on their credit cards. The interest charged on these debts earn the companies issuing the cards billions of dollars – dollars that could be better spent supporting your…
    - 14 days ago 16 Oct 14, 12:35pm -

Early Retirement Extreme

  • newPilaf: To really slash your grocery budget
    I read once in Luxury Fever that it’s quite possible to get used to eating the same meal three times a day, day in and day out. As long as a diet is well-balanced, there’s no harm in repetition. I bet the reason that people are told to eat a vari…
    - 2 hours ago 30 Oct 14, 7:56pm -
  • newBecoming less productive and less competitive
    Modern man has an endless fascination with productivity. There is always something that could be done faster or more effective. Productivity is not a natural state though. You do not see an animal trying to be more productive. It simply does its thin…
    - 14 hours ago 30 Oct 14, 7:54am -
  • The two personal finance books that changed my life
    I really like “Rich Dad Poor Dad” (The Cashflow Quadrant) and “Your Money Or Your Life“. While Your Money Or Your Life made me reevaluate whether an expense was really worth it, Rich Dad Poor Dad changed the way I thought about money. I must…
    - 1 day ago 29 Oct 14, 7:51pm -
  • How I learned to stop worrying and love the “end of the world”
    Long ago I used to believe in eternal human progress. I believed in the singularity. I believed that the future would eventually look something like Startrek. When I was 24 that got turned upside down. I’m not going to repeat all the arguments for…
    - 2 days ago 29 Oct 14, 7:48am -
  • Changing habits or changing the habits
    When trying to save money or become more green the following actions are often suggested. Eat less meat. Turn down the thermostat. Turn off the light when you leave the room. Drive less. Recycle. All of these are minor corrections of bad choices yet…
    - 2 days ago 28 Oct 14, 7:45pm -

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

  • Why Do We Fight About Money?
    No matter how your marriage started out, at some point the honeymoon is over and the two of you are dealing with the realities of the day to day. Many times that eye opener is disagreements about money. And it’s not necessarily a bad thing. How We…
    - 3 days ago 28 Oct 14, 6:45am -
  • Want a Happier Marriage? Combine Bank Accounts
    There are strong feelings on the pros and cons of sharing checking and savings as a couple. The latest episode of the Couple Money Podcast shares some tips on how you can go about on combining your finances and how to start your first budget as a cou…
    - 8 days ago 22 Oct 14, 3:39pm -
  • How to Talk About Money Without Starting a Fight
    One of the most helpful things the two of you can do to strengthen your marriage and finances is sit down and be open with one another about your joint and individual finances. Unfortunately many couples allow their fears about how wrong it could go…
    - 14 days ago 16 Oct 14, 9:56am -
  • Merging Finances: My Interview with Mint
    As many readers know, I’ve recommended and used Mint to keep track our net worth on a month basis for a few years. It’s a wonderful and free tool that allows the two of you get all of your accounts organized easily in one spot. They recently aske…
    - 16 days ago 14 Oct 14, 8:22pm -
  • Master Your Network & Survive a Layoff
    Layoffs can not only wreck your finances, it can also be a huge emotional stress. While most of us cannot stop a layoff from happening, there are steps we can do to minimize its impact and increase our chances of finding more work. That was the case…
    - 19 days ago 11 Oct 14, 4:02pm -

My Journey to Millions

  • To Save Money Sometimes All You Have to do is Ask
    I have two annual bills that become payable each October, my Sirius satellite  radio and my American Express card.  Both of these bills are completely unnecessary.  I could easily go with out satellite radio, and while I really like my Amex card…
    - 4 days ago 27 Oct 14, 3:00am -
  • Why Hasn’t an Investment Firm or Insurance Company Created this Product?
    After reading the twelfth article about how there is yet another generation woefully unprepared for retirement and how the 401(k) is a terrible product I started to think about what an investment firm or more likely in this case an insurance company…
    - 10 days ago 21 Oct 14, 3:00am -
  • Received an Update on One of my Most Influential Clients and it Kind of Bummed Me Out
    I received an email today that took me back for a moment.  Almost exactly 2 years I wrote, “My 85 Year Old Client Has Provided More Inspiration Than She’ll Ever Know” wherein I highlighted an interaction with an elderly client.  I was taken…
    - 16 days ago 15 Oct 14, 3:00am -
  • Don’t Confuse Value and Sunk Costs
    Yesterday, I was in the middle of “intense” negotiations regarding a fantasy football trade and I was quickly reminded about a Warren Buffett quote that is often repeated.  It was from the Berkshire Hathaway 2008 Annual Letter, Long ago, Ben G…
    - 21 days ago 10 Oct 14, 3:00am -
  • Savvy Strategies for Making the Most of Your Forex Trading
    Now that you are ready to get into the Forex trading markets, you should consider how to tailor your strategies so that you get the most for your money. Good investing is more than just hopping into a hot new market you have discovered. After you kno…
    - 23 days ago 8 Oct 14, 3:00am -

Enemy of Debt

  • Navigating The Pace of Debt Reduction
    Enemy of Debt - Navigating The Pace of Debt ReductionHappy Wednesday, EOD Nation!  I have a very special guest post for you today from friend and fellow blogger Prudence Debt Free.  She’s been a regular visitor to Enemy Of Debt for what seems li…
    - 2 days ago 29 Oct 14, 5:14am -
  • Coupon Alert: Last Minute Savings On Halloween Treats! #ScarySavings
    Enemy of Debt - Coupon Alert: Last Minute Savings On Halloween Treats! #ScarySavingsIf you’re like me, you wait until the last minute to pick up the treats to be handed out on Halloween eve.  Sometimes the early bird gets the worm, but in this c…
    - 2 days ago 28 Oct 14, 10:56am -
  • Finding a Cell Phone Promotion By Accident Saved Us $250
    Enemy of Debt - Finding a Cell Phone Promotion By Accident Saved Us $250If you want to chop down the price of your cell phone bill, there are about a dozen ways to do it.   If you want to cut the price of the monthly service you could go with a no…
    - 4 days ago 27 Oct 14, 4:27am -
  • I Love You Like A Blogger Roundup – 10/24
    Enemy of Debt - I Love You Like A Blogger Roundup – 10/24My daughter wanted to have a Halloween party with her friends, so we’ve been busily helping her with the planning and collecting the needed supplies.   We’ll be decorating the garage a…
    - 7 days ago 24 Oct 14, 3:39am -
  • Save Money, and Your Credit Using FICO Score Watch
    Enemy of Debt - Save Money, and Your Credit Using FICO Score WatchPlease note that a commercial relationship exists between our site and FICO® that could include FICO providing us with product and other forms of payment. The views of the author(s)…
    - 9 days ago 22 Oct 14, 3:32am -

Peak Personal Finance

  • M&T Online Banking October 2014
    M&T Online Banking October 2014Post from: Peak Personal FinanceM&T Online Banking October 2014Post from: Peak Personal Finance This M&T online Banking October, 2014 update is about what is available from this Buffalo based financial institution for…
    - 21 days ago 10 Oct 14, 5:00am -
  • GE Capital Online Banking September 2014
    GE Capital Online Banking September 2014Post from: Peak Personal FinanceGE Capital Online Banking September 2014Post from: Peak Personal Finance This GE Capital online Banking September, 2014 update is about the financial institution that was named…
    - 42 days ago 19 Sep 14, 5:00am -
  • MB Financial Online Banking August 2014
    MB Financial Online Banking August 2014Post from: Peak Personal FinanceMB Financial Online Banking August 2014Post from: Peak Personal Finance This MB Financial online Banking August, 2014 update can help provides the necessary information for you t…
    - 63 days ago 29 Aug 14, 5:00am -
  • Luana Savings Online Banking August 2014
    Luana Savings Online Banking August 2014Post from: Peak Personal FinanceLuana Savings Online Banking August 2014Post from: Peak Personal Finance In this Luana Savings online Banking August, 2014 update is information about just what this Iowa based…
    - 84 days ago 8 Aug 14, 5:00am -
  • Key Online Banking July 2014
    Key Online Banking July 2014Post from: Peak Personal FinanceKey Online Banking July 2014Post from: Peak Personal Finance This Key online Banking July, 2014 update is on the 22nd largest financial institution in America based on deposit amount will e…
    - 18 Jul 14, 5:00am -

Simple Financial Lifestyle

  • 4 Simple Numbers You Should Know to Improve your Personal Financial Health
    Do you know how financially healthy your finances are? Do you know what numbers can help you determine your financial health? There are four numbers you can calculate to help you determine your financial health. Similar to a health check knowing thes…
    - 3 days ago 28 Oct 14, 5:00am -
  • Avoid those Financial Teasers
    As the holiday season quickly approaches, now is the time of year we maybe tempted to take one of those financial teasers as we shop.  We all see them and we are all tempted by them. But in order to simplify your personal finances you must say no th…
    - 10 days ago 21 Oct 14, 5:00am -
  • 4 Action Steps to Take Now to Prevent the Christmas Hangover
    Yes, I am aware it is only October.  The temperature is beginning to drop and leaves are beginning to change depending on where you live.   It also means you only have about 13 more weeks before Christmas is here.  But that is more than enough…
    - 17 days ago 14 Oct 14, 5:00am -
  • Ask Before You Make a Switch
      In my recent post  Is Rate the Only Thing That Matters, I discussed how if you are looking to simplify your finances you can not just look at the rate you will receive.  You have to ask yourself a few questions before you open the new account. …
    - 24 days ago 7 Oct 14, 5:00am -
  • Is Rate the Only Thing That Matters?
      We make financial decisions all of the time.  Are you making your financial decision solely on the rate that you will receive? Are you considering other factors when making financial decisions?  If you are trying to simplify your finances, don…
    - 31 days ago 30 Sep 14, 5:00am -

Cash Flow Sherpas

  • 3 Secrets To Finding Great Balance Transfer Deals
    [caption id="attachment_2496" align="alignleft" width="150" caption="Credit Cards"][/caption]By Stephanie MojicaAfter Valentine’s Day and other expensive winter holidays such as Christmas and New Year’s, your credit card interest payments may…
    - -
  • Two Quick and Easy Ways to Keep More Money in Your Pocket
    [caption id="attachment_2405" align="alignleft" width="150" caption="co-signing"][/caption]By Stephanie MojicaThere are plenty of frugal people all over the world who pinpoint the “latte factor” when it comes to keeping more money in their po…
    - -
  • Top 10 Ways To Save Money In 2011
    Many of us make New Year’s resolutions, especially where money and diet are concerned. Grab some or all of these top 10 ways to save money while enhancing your life in 2011 and beyond.1. DeclutterStart the New Year by cleaning your house, clear…
    - -
  • Personal Finance Pitfalls To Avoid In 2011
    As the New Year unfolds, here are the financial road traps that you need to avoid to solidify your financial position and get more sleep every night.The first pitfall to avoid is being unprepared without an emergency fund.  An emergency fund will…
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  • 3 Ways to Improve Your Credit in the New Year
    One New Years resolution that can really pay off for your financial health is to improve your credit score.  Often times a bad credit score can be attributed to bad money habits. The New Year is a good time to kick those habits and start financiall…
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Financially Poor

  • Are Deal Sites Really That Great Of A Deal?
    You have surely heard of the many Social Discount sites that have been popping up all over the Internet. Groupon, Social Buy, Living Social and Dealster are just a few of the many group discount sites out there. These sites offer rock bottom pricing…
    - 2 days ago 29 Oct 14, 6:53am -
  • A Guide to Finding the Ultimate Home Insurance Deal
    Home insurance: everybody needs it to protect their property should disaster strike. If you don’t have it, you’re taking a massive risk. Nobody wants to believe that they would fall victim of a robbery, fire, or flood, but it can happen to anyone…
    - 2 days ago 28 Oct 14, 6:27pm -
  • 6 Important Barcode Scanner Features You Need to Think About
    There are a lot of options to pick from when trying to find the barcode scanner that best fits your business. Considering the saturation of barcodes and barcode technology in general across most commercial and industrial fields today, it’s not surp…
    - 2 days ago 28 Oct 14, 6:21pm -
  • How To Do Online Banking Safely
    The internet is everywhere in our daily life. We can do everything online, like listening to music and watching movies. We can even buy anything online like a car or house. Heck, you can even meet your future wife online. Banking isn’t any differen…
    - 3 days ago 27 Oct 14, 8:20pm -

The Consumer Boomer

  • What Baby Boomers Need to Know About Payday Loans
    Payday loans frequently appeal to people who run short of cash or encounter unforeseen expenses. Baby boomers are no exception, so it’s important for this generation to learn more about short-term lending. Greater knowledge on the risks and benefit…
    - 1 Apr 14, 2:56pm -
  • Tax Efficient Strategies When Selling Investments
    Baby boomers are living longer, but perhaps facing more challenges than ever. Healthcare costs, layoffs and lack of pensions greatly affect financial planning. We must budget our lifestyles to meet rising costs and uncertainty. In certain cases, this…
    - 25 Mar 14, 4:38pm -
  • Financial Crimes: Keeping Your Money Safe in a Troubled Economy
    With the job market still recovering from the 2008 recession and many financial institutions in trouble, keeping your money safe has never been more important. Criminals in the financial sector have found cunning new ways to take advantage of new tec…
    - 24 Mar 14, 5:40pm -
  • Has the Internet made us Richer?
    It has been over twenty years since the internet was made available to the general public. Since then internet access has been made available in restaurants and coffee shops, a myriad of devices ranging from cellular telephones to children’s video…
    - 24 Mar 14, 12:55pm -
  • Currency Trading For Beginners
    Currency trading, also known as forex trading, is the type of trade dealing with the exchange of a single currency into another depending on a certain rate. Those that participate in currency trading are larger financial institutions, like banks. Cur…
    - 13 Mar 14, 10:29am -

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

  • How To Save Money By Negotiating When Using Airbnb
    Update: The credit for signing up has been increased to $50! Lauren and I are taking our first big vacation since our honeymoon two years ago. After going through all our options for a November vacation, we settled on a 10-day trip to Italy and Isr…
    - 4 days ago 27 Oct 14, 7:00am -
  • What It’s Like Driving For Uber
    One of Lauren’s biggest complaints is that I come home from work and watch sports for several hours. On Sundays, she commandeers the TV during the most important parts of games because “you’ve been watching football for 8 straight hours,” a…
    - 18 days ago 13 Oct 14, 7:00am -
  • 2014 Third Quarter Business and Personal Finance Goals Update
    I changed my goals for 2014, going with 3 goals that keep us accountable both on a personal and business level. We’re into the home stretch now, so let’s see how we’re doing and if we can finish the year off strong. As always, I am leaving out…
    - 23 days ago 8 Oct 14, 7:00am -
  • 7 Financial Moves 20 Somethings Should Make
    You’re young. You have all the time in the world to get your financial life straightened out, or so you think. Well, you’re wrong. When you start developing smart money habits in your twenties you can set yourself up for financial freedom at a fa…
    - 25 days ago 6 Oct 14, 7:00am -
  • How Much The Average Household Spends on Food
    I am a frequent user of I don’t use a strict budget, but I do have a general idea of how much we spend on each category monthly and if I see things are trending in the wrong direction, Lauren and I will discuss whether it’s temporary or…
    - 32 days ago 29 Sep 14, 7:00am -

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

  • Getting the Itch to Upgrade
    Lately I’ve had the feeling that I would like to move to a bigger house with more acreage.  Our house is just the perfect size for us right now, but we wish we had a garage and more property.  Not to mention, if we end up expanding our family it…
    - 7 Jul 14, 8:26am -
  • 529 Plans versus Savings Accounts
    Shortly after Penny was born, we opened her up a savings account. Any money she receives from birthdays, holidays, grandparents, etc, we stash in her savings account. She’s got a nice little nest egg that hopefully we’ll be able to help her grow…
    - 23 Jun 14, 3:33am -
  • Is Dental Insurance Worth the Cost?
    A few years ago I considered going without dental insurance. At the time, I was working at the bank and the premium was deducted from my paycheck so it wasn’t a big deal and I continued to buy the dental insurance. I took advantage of the two free…
    - 2 Jun 14, 5:48am -
  • 401k Rollovers and IRAs- Finally!
    The last time I talked about my ROTH IRA, I mentioned how my laziness cost me $115.  Well, I no longer will be losing money due to silly fees at the old brokerage firm.  I finally moved my IRA over to Vanguard and couldn’t be happier! It’s a hu…
    - 15 May 14, 2:13pm -
  • Start a Cleaning Routine
    Keeping a clean house can certainly be a challenge, especially when you have little ones running around. A few weeks ago I decided I was tired of trying to clean my house from top to bottom every day and that something had to change. I decided that I…
    - 4 Feb 14, 8:30am -

Frugal Zeitgeist

  • Bulldogs rip owner’s arm off in horrific street attack
    County Durham, UK, was the scene of a horrific dog attack that saw an owner’s arm literally ripped from his body as he screamed for help. Reports say that the man screamed as two American bulldogs that he owned mauled him, leaving him covered for b…
    - 38 days ago 23 Sep 14, 12:47am -
  • Hitler’s last surviving female food taster tells all in new documentary
    A new documentary has given a voice to the last surviving food taste of dictator Adolf Hitler. The job entailed tasting food for the tyrant to ensure it wasn’t poisoned. Chosen from “good German stock” 96 year old Margot Woelk tells of how the…
    - 38 days ago 23 Sep 14, 12:31am -
  • Inside Robin Williams’ Addiction Battle
    I’m not going to pretend here that I know anything about the late Robin Williams personal battles or what drove him to his apparent suicide. I do know the world has lost yet another bright star and the universe is noticably dimmer for the loss. Rob…
    - 78 days ago 14 Aug 14, 3:26am -
  • 10 movie mistakes that slipped through editing
    If the movie delivers an engaging story and we are sucked in I find mistakes are hard to spot. But over time they come out of the woodwork and some are shockingly obvious! Here are just a few; The Wizard of Oz – In one scene Dorothy’s red ruby s…
    - 79 days ago 13 Aug 14, 7:21am -
  • College loan forgiveness programs
    Did you know there are absolutely loads of College loan forgiveness programs that may be an option to help reduce or even wipe out your college loans? For government backed loans such as Stafford loans there are options out there to engage in volunt…
    - 1 Jul 14, 5:25am -

Out of Debt Again

Money Reasons

  • Small Business Info Series – Credit Card Readers – How to find the right one
    I’ve tried a few businesses on for size, but I never owned a business that required a Credit Card Reader! As I child, I remember that while my grandparents owned a small retail store, they used the old swipe and make a carbon copy type of credit ca…
    - 1 day ago 29 Oct 14, 11:19am -
  • Cheap Workout Sunday Report 4
    Today, I shifted my workout to Monday instead of Sunday as I normally would.  The reason I did this was because some of my muscles were still sore form last week, so to present injury I decided to wait an additionally day. So to keep it short today,…
    - 3 days ago 27 Oct 14, 7:55pm -
  • Cheap Workout Sunday Report 3
    While I’m sure I’ll be sore in a few days, I can tell that my muscles are starting to respond by coming back to life.  They have been dormant for so long that I’m much weaker than I imagined I would be.  I’m trying to keep my progression un…
    - 11 days ago 19 Oct 14, 1:51pm -
  • Cheap Workout Sunday Report 2
    I was much more sore from that past workout than I ever imagined that I would be.  On some days last week, I questioned where I could even walk, not to mentioned that I felt totally depleted and without energy.  Starting to work out is never easy,…
    - 18 days ago 12 Oct 14, 12:40pm -
  • Cheap Workout Sunday Report 1
    My health hasn’t been in tip-top shape for years…  Ironically, I wrote an article a few years back called “Becoming Super” and of course the opposite happened, I’ve been practically anti-super ever since.  Not by own choice, mind you but…
    - 25 days ago 5 Oct 14, 7:55pm -

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

  • newBeing in Big Brothers Big Sisters – Awesome and Inexpensive!!!
    Being in Big Brothers Big Sisters – Awesome and Inexpensive!!! is a post from: Budgeting In the Fun StuffBeing in Big Brothers Big Sisters – Awesome and Inexpensive!!! is a post from: Budgeting In the Fun Stuff It’s been nearly a year since I…
    - 17 hours ago 30 Oct 14, 4:00am -
  • Hair Dying Experiment Update – Meet Magenta!
    Hair Dying Experiment Update – Meet Magenta! is a post from: Budgeting In the Fun StuffHair Dying Experiment Update – Meet Magenta! is a post from: Budgeting In the Fun Stuff It’s been about 6 weeks, and my hair just changed again. Someone ask…
    - 2 days ago 29 Oct 14, 4:00am -
  • Tips to Having a Millionaire’s Net Worth
    Tips to Having a Millionaire’s Net Worth is a post from: Budgeting In the Fun StuffTips to Having a Millionaire’s Net Worth is a post from: Budgeting In the Fun Stuff A young man named Anton guest posted at Budgets Are Sexy yesterday with his 10…
    - 3 days ago 28 Oct 14, 4:00am -
  • Another Successful Halloween Party and Potluck!!!
    Another Successful Halloween Party and Potluck!!! is a post from: Budgeting In the Fun StuffAnother Successful Halloween Party and Potluck!!! is a post from: Budgeting In the Fun Stuff We hosted our annual Halloween bash again this past Saturday and…
    - 4 days ago 27 Oct 14, 4:00am -
  • I’m Discovering Dollar Stores
    I’m Discovering Dollar Stores is a post from: Budgeting In the Fun StuffI’m Discovering Dollar Stores is a post from: Budgeting In the Fun Stuff I haven’t ever been a huge proponent of dollar stores since I generally thought that most of the t…
    - 7 days ago 24 Oct 14, 4:00am -

Punch Debt In The Face

  • newMortgages and Medicine.
    Unless you are the dumbest person in the world, you probably have realized I’m not the biggest fan of debt. I think it’s pretty stupid and unlike most PF bloggers, I don’t believe “good debt” exists. Although I’m a pretty avid debt punc…
    - 22 hours ago 29 Oct 14, 11:53pm -
  • When did that happen?
    Sometimes I think to myself “I can’t believe I’m a grown up!”. I don’t feel old. I don’t look old, and I sure as h-e-double-hockey-sticks don’t act old. I use to think “old” was an age, but I’m quickly learning it’s a lifestyle.…
    - 9 days ago 22 Oct 14, 12:26am -
  • You might be wealthy, but are you free?
    You ever read a blog post that went something like this… You might want to think twice before you buy that scooter. It would set you back $3,000, and will likely only provide you entertainment for a handful of years. What if you invested that mone…
    - 15 days ago 15 Oct 14, 9:26pm -
  • I’ve realized I’m a lifer.
    A few months after graduating college, the federal government offered me a job to work for them as a Special Agent. I was 21 at the time and the prospect of a “cushy” government job seemed too good to pass up. I mean, I had $28,000 in student lo…
    - 18 days ago 13 Oct 14, 12:13am -
  • We decided to give being a one car family a shot
    Cars are freaking expensive. Even though both of our cars were fully paid off (’07 Scion tC and ’06 Honda Pilot) they still ate up a considerable amount of our discretionary income. Gas ($300/mo), insurance ($120/mo), and maintenance (call it $6…
    - 30 days ago 30 Sep 14, 10:56pm -

Well Heeled Blog

  • I think I might love Seattle
    Seattle is a city in which I’ve never lived. I’ve only visited twice, for less than a week each time (and it drizzled, as expected, both times). But Seattle is also a city that gives me the vibe that I’d really LOVE living there. Who knows, p…
    - 12 days ago 19 Oct 14, 7:18am -
  • When The Universe says Stop Spending!

    - 16 days ago 15 Oct 14, 6:22am -
  • How good is your 401K plan? BrightScope helps you find out
    Have you guys heard of BrightScope? It’s a company that scores a company’s 401K plan among several dimensions. The 401K, alongside IRAs, is one of the only major tax advantaged retirement vehicles middle class Americans have access to. And wit…
    - 53 days ago 8 Sep 14, 7:00am -
  • Pedernales Falls State Park + Enchanted Rock
    Over the long weekend, CB and I went on a mini-hiking trip to Pedernales Falls State Park and Enchanted Rock State National Area in western Texas. As newbie hikers who enjoy our creature comforts, our itinerary of hiking + BnB + hiking + nap fits us…
    - 58 days ago 3 Sep 14, 6:00am -
  • I’m back! And here’s what’s been going on…
    Hello there – it’s been a while! In the weeks since I last wrote, I (1) spent a month traveling to Japan and Europe, spending $10,000 in the process; (2) moved to a new city with exactly 4 dresses, one suit, and 5 pairs of shoes, thereby gett…
    - 67 days ago 25 Aug 14, 8:00am -

Not Made Of Money

  • Apple Pie Spice Muffins – Dairy Free!
    With Fall in the air, it’s a perfect time for baking!   I’ve been making these muffins for many years now, and originally got the recipe when cooking for a milk allergic child.  Notice that the recipe is dairy free! You won’t miss the milkApp…
    - 14 days ago 17 Oct 14, 4:30am -
  • Your Budget Goals – Is It Time To Revise?
    Odds are that you routinely re-evaluate the big choices that you make in your life all of the time. As you become more educated about the benefits of a healthy diet, you might make changes to the foods you eat. Completing a degree might makeYour Budg…
    - 17 days ago 14 Oct 14, 3:47am -
  • How to Be a Good Person When You Don’t Have the Time
    The following article is a guest post.  The benefits of giving back to your community are obvious: You make a noticeable positive impact on the lives of struggling people and animals around you. Giving back also has direct benefits to you in the for…
    - 18 days ago 13 Oct 14, 5:36am -
  • 6 Tips To Reduce Your Grocery Bill
    One of the areas of our spending that I must constantly monitor is our food expenses. With the continuing food price creep, I found our spending can really spiral out of control if I’m not really watching it closely. I keep a running total of6 Tips…
    - 20 days ago 11 Oct 14, 7:21am -
  • Thinking of Investing in Bank Loan Funds? Here’s What You Need to Know
    The following article is a guest post. Bank loan funds can be a good investment. They often have fairly high yields with less risk than some other high-yield investments. They can bring some stability to your portfolio as well as bring you the benefi…
    - 20 days ago 10 Oct 14, 12:49pm -

20 Something Finance

  • Open Enrollment Deserves your FULL Attention. Here’s Why
    Earlier this week, I received a note from my employer’s HR department that open enrollment for 2015 benefit elections had started. I instantly got a little giddy.Every year, I get geeked out to find out ...Open Enrollment Deserves your FULL Att…
    - 2 days ago 29 Oct 14, 6:44am -
  • 2015 Traditional & Roth IRA Contribution Limits
    2015 Traditional & Roth IRA Maximum Contribution LimitsUnfortunately, 2015 will not bring an increase in the maximum individual retirement account contribution amount. The 2015 maximum IRA contribution limit is still capped at $5,500, the same ...…
    - 7 days ago 24 Oct 14, 7:19am -
  • 2015 IRS Maximum 401K Contribution Limits Increased
    The IRS 2015 maximum 401K contribution limits have just been officially announced. Unlike with the 2014 maximum 401k contribution limits, there is an increase in limits once again!The Maximum 401K Contribution in 2015The 2015 401K maximum ...2…
    - 7 days ago 23 Oct 14, 3:11pm -
  • Wedding Expenses and Marriage Succes? Now We Have Data
    You may already know that I’m not a big fan of materialistic wedding expenses. More specifically, I think that the average cost of a wedding is stupidly high ($29,858 last year) and the average engagement ...Wedding Expenses and Marriage Succes?…
    - 11 days ago 20 Oct 14, 6:00am -
  • Ask Your CEO for a Raise for 300,000 Co-Workers (& Other Ways to End up at the Bottom of the Sea)
    In case you missed it, here’s a fun little story for you. Wells Fargo (a massive top 4 bank headquartered in San Francisco) made the news last week, with a rather intriguing story.One of its ...Ask Your CEO for a Raise for 300,000 Co-Workers (&…
    - 18 days ago 13 Oct 14, 5:55am -

Beating Broke

  • Collections for Freelancers
    Client Not Paying? Freelancers Can Still Take Action Freelancers and home business-owners do have options when it comes to non-payment by clients. Here are the professional ways to deal with the problem and try to get your earnings back. Contract Fir…
    - 7 days ago 23 Oct 14, 12:00pm -
  • 5 Ways to Have a Frugal Halloween
    While the marketers would like us to think that Halloween should cost a fortune, it doesn’t have to.  On average, Americans in 2013 planned to spend $75.03 on Halloween candy and costumes.  (My guess is those with more than two children will spen…
    - 10 days ago 21 Oct 14, 6:20am -
  • Grocery Shopping Once a Month – Can You Do It?
    My husband and I recently bought a house, and we’d like to plump up our emergency fund just in case we have a large house expense.  (Because, of course, when you have little savings, expensive things start to break.  It’s the law of nature, rig…
    - 32 days ago 29 Sep 14, 7:56am -
  • Lending Club Is Now Offering Business Loans
    You likely know Lending Club is a peer-to-peer lending site that offers personal loans to individuals as well as the chance for personal investors to invest by lending money to individuals. Now, however, Lending Club is expanding their services and o…
    - 63 days ago 28 Aug 14, 8:52pm -
  • Is It Worthwhile To Still Use Credit Cards with So Many Data Breaches?
    Just recently, PF Chang’s acknowledged that 33 of their restaurants had suffered a security breach over the last 8 months and that the credit card numbers as well as possibly the customers’ names and the expiration dates of the cards were comprom…
    - 79 days ago 13 Aug 14, 6:51am -

20s Money

  • Weighing the Benefits of iPad-Based Point of Sale Systems
    Point of sale systems are the financial focal point of a retail business. They are the hub of activity in any retail store. It is no wonder, therefore, that companies are wary to adopt new standards for its point of sale machines and services. Recent…
    - 2 days ago 28 Oct 14, 7:41pm -
  • Are Your Elderly Parents Victims of a Scam?
    Your elderly parents might not be one of your top concerns. You probably have to worry about chasing children around at high speeds while on a high-stakes conference call. Dinner can wait. Laundry is not a concern until it is scary. However, your eld…
    - 2 days ago 28 Oct 14, 6:46pm -
  • The Top 100 Finance Blogs, We come in at #56 :-)
    An infographic by the team at Rebates zone.The post The Top 100 Finance Blogs, We come in at #56 :-) appeared first on 20s Money.
    - 5 days ago 25 Oct 14, 3:46pm -
  • How to Increase Your Ice Cream Parlor Sales by Adding a Truck
    If you’re used to selling ice cream in a retail store location, you might be taken aback by the fact that shop owners who take to the streets see an increase in profits. How can this be? Simple. People are getting tired of prepackaged foods that ha…
    - 13 days ago 17 Oct 14, 4:26pm -
  • What Can a DNA Test Tell you?
    Presented By HomeDNAThe post What Can a DNA Test Tell you? appeared first on 20s Money.
    - 13 days ago 17 Oct 14, 4:21pm -


  • How Spending $3 Can Make Someone’s Day
    Paying it forward is a great concept. When one person pays for the next person in line, typically a stranger, it’s a classic example of generosity at work. You give for the sake of giving and doing something nice for another person, without expecti…
    - 1 day ago 29 Oct 14, 11:02am -
  • Four Reasons to Use Credit Cards
    What are some of the reasons people use credit cards? There are definitely some very clear reasons why people use them, and I think that to some extent, they are distinctly different. What are even more divergent are the motivations for using them. W…
    - 4 days ago 26 Oct 14, 10:30am -
  • Vanishing Options, Overreactions, and other Stock Market Observations
    Stocks go up, and then they go down. Or vice versa. Markets generally trend upward over time, but there is definitely volatility over time. We know that this happens, based on historical data. It is what it is, and things should be simple to understa…
    - 11 days ago 20 Oct 14, 4:04am -
  • The Opportunity Cost of Spending Big on Halloween
    Go big or go home. That’s often the approach of many of us when it comes to certain parts of our lives. Really, I usually take that to mean going all out to succeed, be the best, or have tons of fun. In many situations, it’s a great joy to do so!…
    - 18 days ago 13 Oct 14, 6:05am -
  • Working Backward to Determine Wealth-Building Priorities
    Saving for retirement is something that most people know they need to do, but surprisingly few Americans are able to accomplish. I wrote before about a survey that indicated that about half the people questioned could not come up with $2,000 for an u…
    - 22 days ago 8 Oct 14, 1:10pm -

Passive Panda

  • From a Resort in Puerto Rico: 5 Life Lessons That Will Keep You Happy and Make You Wealthy
    A few weeks ago, I told you about the experience I had the first time I stayed at a luxury hotel. Little did I know, I would be staying at another one a few weeks later. Funny how life works like that. You never do something, and then all of a sudden…
    - 16 Jan 13, 9:19am -
  • The Free Social Media Tool Everyone Should Use
    You’ve probably already heard people proclaiming the usefulness of Facebook and Twitter for earning more money and building a business. There are tons of apps, widgets, and thing-a-ma-jigs that claim to get you more followers and fans on social med…
    - 7 Dec 12, 11:41am -
  • How to Find and Do Work You Love
    As you know, here at Passive Panda we are building a community that believes earning more isn’t just about earning money. It’s about earning freedom, happiness, and satisfaction from our jobs as well. In other words, our community believes in doi…
    - 3 Dec 12, 9:01am -
  • 7 Important Lessons Luxury Hotels Can Teach You About Becoming a Successful Entrepreneur
    A few weeks ago, I stayed at my first luxury hotel. Most of my life has been spent gorging on the breakfast buffet inside various Holiday Inns, so you can imagine that this prime time resort was a big upgrade. And while the giant chandeliers were nic…
    - 13 Nov 12, 7:02am -
  • 7 Surprising Things Fashion Week Can Teach You About Marketing Your Business
    Two weeks ago, I found myself in New York City attending Rachel Zoe’s private fashion show and wondering how I got there. Before that night, the only runways I had been on were at the airport. But don’t worry, it might have been unfamiliar territ…
    - 26 Sep 12, 9:01am -

20 and Engaged

  • Should You Tell Your Partner If You Gamble Online
    Whilst 2014 has been a progressive year in many ways, one thing that continues to decline, statistically, is love. These damning statistics released just last week: 42% of marriages end in divorce. England and Wales (ONS, 2014) More than 236,000 peop…
    - 7 days ago 23 Oct 14, 6:18pm -
  • Downsizing Your Home to Prepare for Retirement
    For the near 70 million baby-boomers entering the empty-nest or retirement phase of life, home downsizing is a popular trend. Downsizing your home can reduce your mortgage payments and decrease the time you are dedicating to home maintenance tasks. T…
    - 18 days ago 12 Oct 14, 9:54am -
  • How Much Does It Cost To Raise A Kid?
    What a lot of expecting parents do not realise is the fact that their child will cost them a fortune, from babyhood all the way through to adulthood. Therefore, preparing a budget and knowing how to save money from the start is key to maintaining you…
    - 50 days ago 10 Sep 14, 11:57am -
  • Paying Stamp Duty Feels Like a Punishment for Moving House
    In most parts of Australia, real estate prices are through the roof. It’s one thing to pay market value for a home; having to pay even more on top of that is a whole other matter. After paying so much money to own even a very modest house, most buy…
    - 62 days ago 29 Aug 14, 11:11am -
  • The romantic side of New York City – cozying up in the grand city
    New York is a bustling, vibrant global metropolis. It is always updated with every new development in the free world, and is the heart of business and finances the world over. Sometimes, however, it is best seen as old New York. Classics never grow o…
    - 79 days ago 12 Aug 14, 12:23pm -

The Family CEO

  • Earn Credit Card Points, Miles, and Cash Back by Paying Your Bills
    Do you enjoy paying bills? If you stopped the average man or woman on the street and asked that question, I’m thinking the response would be a big no. I’m the exception, I actually enjoy bill paying. I look forward to it even. Not the money le…
    - 56 days ago 4 Sep 14, 12:29pm -
  • What Does College Cost? Our Family’s Expenses for All Four Years
    I’ve been tracking our college costs for our daughter, Lindsey, down to the last dollar through four years of college and – I’m going to be honest – this final update was the trickiest to do. You can see the first three years of updates here…
    - 59 days ago 2 Sep 14, 5:00am -
  • Winner!
    I’m popping in with a quick announcement that comment #11 from Pam won the KU Football Package giveaway. Here was the winning comment: Congratulations Pam! Now back to our holiday weekends. I hope yours is wonderful! You just finished reading Winne…
    - 62 days ago 30 Aug 14, 9:02am -
  • Gameday in Lawrence and a Fan-Tastic Giveaway
    Let me me state the obvious right out of the gate. The University of Kansas isn’t especially known for this: At least not lately. We’re more known for this: But our family has had KU season football tickets for the last four years and we’ve h…
    - 66 days ago 25 Aug 14, 9:34am -
  • It’s Kind of a Funny Story
    So, funny story. A year ago this week, Lindsey and I were in New York to be on the TODAY show. (Did you miss our 4 ½ minutes of fame? You can see it here.) The next day was rainy – very rainy – and we were killing time in a bookstore in the base…
    - 77 days ago 15 Aug 14, 5:00am -

Broke Professionals

  • The Costs of Moving – Part One
    The Costs of Moving – Part One is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Americans move on average once every 12 years, according to the 2009 National Association of Home Builders data.   It c…
    - 20 Apr 14, 2:04pm -

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 -

Quizzle Wire

  • new3 Reasons Not to Cash In a 401k to Start a Business
    As you’ve contributed to your retirement accounts year after year, you likely have a good amount of savings built up....The post 3 Reasons Not to Cash In a 401k to Start a Business appeared first on Quizzle Wire.
    - 14 hours ago 30 Oct 14, 7:00am -
  • Do You Qualify for a Grant to Repay Your Student Loans?
    Are you one of many college graduates who walked away with a diploma and a mountain of student loan debt?...The post Do You Qualify for a Grant to Repay Your Student Loans? appeared first on Quizzle Wire.
    - 2 days ago 29 Oct 14, 7:00am -
  • How to get a better deal on your mortgage
    Your mortgage is likely to be the largest loan you ever get. As a result, it’s also likely to be...The post How to get a better deal on your mortgage appeared first on Quizzle Wire.
    - 3 days ago 28 Oct 14, 7:00am -
  • Things You Should Know Before Investing
    Are you new to investing but wanting to get started? Here are some things you should know before you take...The post Things You Should Know Before Investing appeared first on Quizzle Wire.
    - 4 days ago 27 Oct 14, 7:08am -
  • Is College Still Worth It?
    One of the debates raging right now in the world of personal finance is the debate over whether or not...The post Is College Still Worth It? appeared first on Quizzle Wire.
    - 5 days ago 26 Oct 14, 8:00am -

Funny About Money

  • newTerminally Lazy?
    Lordie, it’s 12:30 in the afternoon and I’ve not scribbled a word. Have I arrived at end-stage laziness? Arose late this morning — quarter to six. Shot out the door to meet a colleague and fly across the city to this week’s bidness group meet…
    - 8 hours ago 30 Oct 14, 1:50pm -
  • w00t! Medicare to the Rescue!
    Damn, but getting old has its perks! Check out this statement from the august Mayo Clinic’s billing department: Previous Balance: $12,192.40 New Charges: $10,198.49 Payments/Adjustments: $21,645.40 Current Account Balance: $745.49 Insurance Claims…
    - 1 day ago 29 Oct 14, 9:32am -
  • House Paint: Is Eye-Searing White the New HOA Beige?
    We’re told, by a publicity-seeking local developer, that the new style in renovations and infill is bright colors. Have you seen that in your part of the country? In fact, the latest fad among that set seems to be blinding white paint, so brilliant…
    - 2 days ago 28 Oct 14, 2:26pm -
  • Surprise Surgery!
    Heh. I’ve been going along all this time — the past several weeks — thinking the next installment in the interminable series of surgeries was slated for the 29th: next Wednesday. Come Saturday, my son informed me that no, that was wrong: the ac…
    - 3 days ago 27 Oct 14, 2:50pm -
  • Wine: In Search of Lower Alcohol Content
    Did you realize that wine makers, especially in the US, have been quietly upping the alcohol content in some of our favorite potables?  According to the Canadians, who screen incoming alcoholic products, the worst offenders are Chile, Argentina, and…
    - 6 days ago 24 Oct 14, 11:03am -

Yes, I Am Cheap

  • Top 5 Reasons Why Baby Boomers Are Screwed
    At 56 my mom is smack dab in the middle of the Baby Boomer generation.  For some reason, she still thinks that she’s pretty young and hip.  Her new obsession has become the weekly sales at Macy’s. I’ve tried hard to tell her that she’s g…
    - 3 days ago 27 Oct 14, 11:54am -
  • 6 Months Unemployed + 9 Month Temp Job = $50,000+ Debt Slayed In Less Than 2 Years
    Get a comfy chair.  You’re going to be here for a while. Yesterday after paying down one bill I crunched the numbers and realized that since January 2013 I have reduced my total debt by $50,724.79.  I felt as if I had just finished running the…
    - 7 days ago 23 Oct 14, 1:35pm -
  • October 1 Debt Check
    I’m struggling. Financially, no.  I’m struggling with the direction of this blog both from a perspective of where it is and where I want it to go.  Every month for the past five plus years I have filled you in on how I was doing financially. …
    - 10 days ago 20 Oct 14, 11:18am -
  • Thriving on Thrifting!
    The following is a guest post from Crystal Stemberger over at Budgeting in the Fun Stuff.  Her daily posts cover her expenses, savings, and what she spends on the fun stuff in between. If you are a reader here, I assume you appreciate “cheap”……
    - 30 days ago 1 Oct 14, 8:23am -
  • Cheap? Frugal? Why Is There Even A Debate?
    With a blog called Yes, I Am Cheap, you can bet that I get a fair bit of e-mails comparing cheap and frugal.  I’ve been asked many times if frugal is better than cheap and I’ve answered this question the same way every single time – there is n…
    - 35 days ago 25 Sep 14, 11:49am -

Prairie EcoThrifter

  • newHow to Choose a Charitable Cause for Your Money
    One of the best ways to boost your finances, and help others at the same time, is to make charitable donations. When you make it a priority to donate to charity, you are in better control of your finances, and you help make the world a better place.…
    - 21 hours ago 30 Oct 14, 12:28am -
  • Four Things I Learned When I Became a Grandparent
    Are you a grandparent?  Chances are, if you have kids, you will become one some day.  That first grandchild is so exciting.  Your kid is having a kid!  It connects you to the future.  Here are four things I learned after having grandchildren. Th…
    - 2 days ago 29 Oct 14, 12:29am -
  • 3 Things to Do Before House Hunting
    We bought our first home the end of 2012, so we are approaching two years of home ownership. So far, it has been a great experience, but the process of home buying is taxing (to say the least). Our house hunting process started when we weren’t real…
    - 3 days ago 28 Oct 14, 12:28am -
  • It’s Not Too Late to Save for the Holidays
    Christmas is less than 11 weeks away.  We all know that it comes every year on December 25th and that there are many, many expenses associated with Christmas.  And yet, many of us become frantic in November and wonder how we’ll pay for everything…
    - 4 days ago 27 Oct 14, 12:28am -
  • Exercises to Ease Arthritic Backs
    Most people over 60 experience some back pain – usually as the result of developing osteoarthritis. I found out I had it in my spine when I had my first bone density scan (a scan to see if I had osteoporosis – which I did). At the time, I was not…
    - 7 days ago 24 Oct 14, 12:28am -

Debt Free Marriage

  • Husband, Your Wife Needs Financial Stability.
    Gentlemen, please permit me to explore a touchy subject. It has to do with your wife and her job. In terms of providing for the family, I put that responsibility solely on the man in the relationship. Why? Because as MEN, that’s what we do. We ACCO…
    - 5 Dec 13, 9:00pm -
  • What the credit card companies don’t want you to know
    The following post was written by The Simple Money Blog, and I felt it was particularly relevant for the Debt Free Marriage audience. It is from a fellow personal finance blog that is coauthored by a husband (“KJ”) and wife (“AJ”). Happy read…
    - 27 Jan 13, 7:30am -
  • Why do Credit Cards Cost More than Bank Loans? [Podcast]
    Suppose I have an $8000 credit card and an $8000 bank loan. They both have the same interest rate of 14.4% AND they both have the same payment of $220. You would think that these two loans would get paid off at the same time, but that would be very w…
    - 31 Oct 12, 1:55pm -
  • How to Give “Bad Financial News” to Your Spouse
    Last year, one Friday afternoon, I received a notice in the mail from my mortgage company. It basically said that my payment was about to go from $770 to $1600 effective immediately. After the shock wore off I called the mortgage company, but they we…
    - 14 Oct 12, 2:18am -
  • Overextended much?
    Lately I’ve found myself a bit overextended. I’ve started too many projects and I’m finding it difficult to juggle them all and keep them all going. Each website I’ve created requires a considerable amount of time to update and maintain. I th…
    - 20 Aug 12, 9:37am -

20's Finances

  • Tips To Ensure You Don’t Get Stranded This Winter
    It's that time of year again. The weather is turning colder, the days are getting shorter, yes winter is on its way. If you are like me, you are not very happy about this. Last winter was just downright brutal for most and predictions for this year a…
    - 1 day ago 29 Oct 14, 3:27pm -
  • Benefits of Using Barcode for Small Businesses
    For big box retailers, barcodes on products are a given. With such a large amount of inventory—both in volume and variety—barcodes are essential for tracking product inventory, smoothing the checkout experience, and ensuring price accuracy. Small…
    - 1 day ago 29 Oct 14, 3:17pm -
  • Protecting What’s Yours: The Importance Of Having Adequate Home Insurance
    If you have ever been in the position of needing to make an insurance claim when you have suffered a loss, you will know how important it is to have the right amount of coverage so that you are not left counting the cost through your own pocket. This…
    - 2 days ago 29 Oct 14, 7:31am -
  • 3 Essential Tips when Shopping for a Mortgage
    While I haven’t made an official announcement on my blog yet, my wife and I are in the process of buying a condo. If everything goes according to plan, we will be closing mid December. Buying a home has been quite the learning curve, and I am excit…
    - 2 days ago 28 Oct 14, 4:13pm -
  • Shopping Around Has Its Benefits
    As I was going through my closet, I realized that I didn't have the white and blue shirts that I had thought I did when I was at the suit store. I actually did need a new white dress shirt and a blue one as well. But I didn't find what I was looking…
    - 11 days ago 20 Oct 14, 7:12am -

Careful Cents

  • Top 3 Mistakes I Made as a Freelancer (and How to Avoid Them)
    This post is from Careful Cents contributor EM, who owns the blog Journey to Saving. Over the next six months she’ll be documenting her backwards journey to self-employment. You can read her next steps here. Approaching freelancing from a backward…
    - 2 days ago 29 Oct 14, 7:00am -
  • The One Tool I Used to Become Debt Free in Two Years: ReadyForZero Review
    At the end of May 2012 I sent off the last payment towards my car loan and become completely debt-free! It was one of those life moments I’ll never forget, not because I didn’t have any more debt (although that was part of it) but because I fina…
    - 4 days ago 27 Oct 14, 6:00am -
  • How to Pay Off Debt as a Self-Employed Solopreneur or Freelancer
    I think most people can agree that it’s not ideal to quit your job and start a business if you have debt. Leaving your job to pursue your own thing is risky and being in debt elevates that risk. You’re leaving behind a life of steady paychecks a…
    - 9 days ago 22 Oct 14, 7:00am -
  • How to Use Pinterest to Showcase Your Portfolio and Land More Clients
    Every freelance artist or writer needs their own website, right? Wrong! I don’t think this is true anymore. I do believe having your own (hosted) website and blog can be helpful, but with the advances of technology and social media today, it’s n…
    - 15 days ago 16 Oct 14, 7:00am -
  • How to Stop Asking for Permission and Make Money on Your Terms (#AMPLIFY14)
    For the first few months after I quit my full-time job to start an online business, everything was going smoothly. I landed a big client. I could travel during the week, and take time off whenever I wanted — I didn’t have to ask permission. I cou…
    - 18 days ago 13 Oct 14, 7:00am -

Everything Finance

  • newIs a College Degree Still Worth It?

    - 5 hours ago 30 Oct 14, 4:58pm -
  • 5 Steps To Investing In Stocks, Stress-Free
    5 Steps To Investing In Stocks, Stress-Free is a post originally published on: Everything Finance - Everything Finance - Its all about Money!With the markets being what they are – always in flux – you may be tempted to hoard all of your cash in…
    - 2 days ago 29 Oct 14, 12:30am -
  • 7 Reasons Not to Borrow From Your 401(k)
    7 Reasons Not to Borrow From Your 401(k) is a post originally published on: Everything Finance - Everything Finance - Its all about Money!If you’ve ever read my back-story, you probably know by now that I’d really like to be a stay-at-home mom,…
    - 3 days ago 28 Oct 14, 8:14am -
  • 4 Things Your Pet Won’t Tell You
    4 Things Your Pet Won’t Tell You is a post originally published on: Everything Finance - Everything Finance - Its all about Money!Like most pet owners, I love my dog. I treat him like our child, fully consider him a member of the family, and fawn…
    - 3 days ago 27 Oct 14, 6:01pm -
  • How to Choose a Realtor
    How to Choose a Realtor is a post originally published on: Everything Finance - Everything Finance - Its all about Money!My husband and I have been saving for a down payment on a house for the past year. So like most young married couples looking t…
    - 5 days ago 25 Oct 14, 5:50pm -


  • 10 Best Banks in San Diego
    Selecting a banking institution is a decision that requires a great deal of thought, especially since each bank has different requirements, special offers fees, details and features. Each bank also offers their own type of checking and savings accoun…
    - 10 days ago 20 Oct 14, 8:47pm -
  • Best CD Rates in San Francisco, CA – Interest Rates on Certificate of Deposits
    (Updated October 2014) We have gathered the best yielding Certificate of Deposits in San Francisco, California. These San Francisco CD Rates comparison will only be offered on a local and regional level. These are banks and credit unions in the…
    - 10 days ago 20 Oct 14, 4:04pm -
  • Discover the Best Banks for the SF Bay Area
    It is important to put some thought into choosing a bank, since they can vary significantly in terms of features, requirements, fees, interest rates and special offers. Some banks even offer different levels of checking and savings accounts, each wit…
    - 17 days ago 13 Oct 14, 8:34pm -
  • When It Comes to Acquiring New Bank Customers, Ratings Matter But Customer Reviews May Make the Difference
    The bank you choose makes just as much of an impact on you as the car you drive, the phone you use, or the insurance you depend on. The banking industry may seem different on the surface, but the reality is that many customers make the decision of wh…
    - 13 Nov 12, 9:25pm -
  • Is 730 a Good Credit Score?
    Credit scores range from 300 all the way up to 850, so a credit score of 730 is certainly considered “good.” However, it’s still too low to be considered “excellent.” Prior to the recession, a score in the upper 600s was good enough to ge…
    - 3 Oct 12, 11:19pm -

50 Plus Finance

  • Does Marrying Someone with Bad Credit Affect Your Credit Score?
    There are ways to avoid letting your spouse’s credit history from affecting your own, and the best way of doing so is understanding how marriage affects your credit score.In Ontario, the act of getting married on its own won’t change your reco…
    - 7 days ago 24 Oct 14, 6:54am -
  • Life Insurance Options for Older People
    Life insurance is and will always be an important consideration for people of all ages, financial statues, the young and old and, single or married. It offers people feel the security and reassurance that their family members will be covered in an un…
    - 10 days ago 20 Oct 14, 8:07pm -
  • 5 Signs You Need to File for Bankruptcy
    Most people see bankruptcy as a bad thing. No one wants to have to file for it unless they absolutely have to. In fact bankruptcy is there to help people and businesses get their finances under control (Source: Abakhan &Associates Inc.). It may not b…
    - 13 days ago 17 Oct 14, 7:03pm -
  • How To Stay Calm And Make A Plan During An Unexpected Financial Crisis
    No matter how good you are at setting up your finances, a crisis could come along and make life difficult for a while. During those times, it's important to keep calm and have a plan. While dealing with difficult financial situations can be stressful…
    - 14 days ago 16 Oct 14, 7:44pm -
  • Save Savvy: Tips for Calculating the Cost of your Retirement
    When it comes to planning for the future, one of the main concerns for most people is saving enough money for retirement. With social security, inflation, and the rising cost of health insurance, there are many factors that determine the amount that…
    - 18 days ago 12 Oct 14, 8:12pm -

Sunk Costs Are Irrelevant

  • I Lost My Job – Day #66 Lessons in Pride and Anticipation
    Every new beginning comes from some other beginning’s end. I have to say I expected to be fully employed by this point, but it just hasn’t happened that way.  It’s actual been an incredibly fruitful job search.  I continue to…Read more ›…
    - 87 days ago 4 Aug 14, 9:56am -
  • I Lost My Job – Day #19 Strange Lessons
    It’s June 19.  I’m about 3 weeks into this weird phase of my life of unemployment.  It’s simply strange.  The days have begun to blend together.  I hit a lull around week 2 where it looked like all opportunities were…Read more ›The p…
    - 19 Jun 14, 11:49am -
  • Stocks For Your Kids: Year 4 Update
    Stocks For Your Kids Series: How to Choose Year 1 Update Year 2 Update Year 3 Update Dear Son, It’s time to look at your stocks again!  These are interesting times at our house as you turned 8.  Due to my recent…Read more ›The post Stock…
    - 3 Jun 14, 10:29am -
  • I Lost My Job – Day #0 Termination Day
    Well, here it is Friday, May 30 also known as Termination Day or The Day I Lost My Job.  I would like to tell you it was exciting at the office today, but in reality I had a meeting with…Read more ›The post I Lost My Job – Day #0 Terminatio…
    - 30 May 14, 9:28pm -
  • I Lost My Job – Day #-17 HEALTH INSURANCE!
    Not only am I the primary provider of income to my family, but I am also the sole provider of health insurance.  As a result of my upcoming termination our family’s health coverage will end.  DW has had a lot…Read more ›The post I Lost My…
    - 13 May 14, 9:24am -

Afford Anything

  • I Stepped Away from My Business for a Month. Here’s What Happened.
    A few days ago, I slept in my own bed for the first time in more than a month. I’ve been on the road nearly nonstop for the past few months — including trips to Costa Rica and Ireland — and the last 30 days really took the cake: from San Diego…
    - 24 days ago 6 Oct 14, 2:59pm -
  • How I Earned an Extra $40,800 in Two Years Without Lifting a Finger
    Despite the fact that I have the best roommates in the world, I’ll occasionally remark, “I’m tired of having roommates.” And Will replies: “Are you $1,700 per month tired of it?” I don’t need to respond. The answer is obvious. The minor…
    - 58 days ago 2 Sep 14, 1:04pm -

Family Money Values

  • Six Easy Estate Plan Checkup Tasks
    No one likes to think about death and no one likes to spend precious time dealing with something that will happen after they die. You are doing this only for those who come after, to make things easier for them … Continue reading →
    - 8 days ago 22 Oct 14, 6:08pm -
  • Who Was the First Woman Nominated to the US Vice-Presidency?
    Nope, not Sara Palin! It was 1984.      
    - 14 days ago 16 Oct 14, 6:34pm -
  • Are You a Maker?
    Last year I watched the PBS documentary Makers – which told the history of the feminist movement from the 1950’s through the 1990’s. As I watched, I started feeling guilty about not having participated more in ‘the movement’. What, I wonde…
    - 26 days ago 4 Oct 14, 4:28pm -
  • Roosevelt’s Wealth Building
    Ken Burns has done it again. He has created yet another fascinating documentary – this time one about Teddy and Franklin Roosevelt as well as Eleanor. We’ve been watching the 9 part series on PBS all week. These two men … Continue reading →
    - 42 days ago 18 Sep 14, 3:38pm -
  • 2014 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…
    - 52 days ago 8 Sep 14, 4:15pm -

Stumble Forward

  • newHow Credit Card Readers Can Drive Business
    Mobile credit card readers have made the acceptance of credit cards over a wide array of businesses an easy thing. Many new businesses are embracing the new technology, but quite a few are still wary about the benefits that it brings. Credit cards ha…
    - 16 hours ago 30 Oct 14, 5:05am -
  • Fabulous Financials: 3 Tips for Becoming More Money-Savvy
    Being better with money is actually not as hard as it seems. With a bit of self-reflection, education and discipline, we can create a healthier financial life without feeling like we are sacrificing or that we must diligently track every penny. Not b…
    - 2 days ago 29 Oct 14, 5:05am -
  • How To Do Secure Video Conferencing For Your Business
    Video conferencing has risen to prominence as a trusted and versatile tool in the business world. Capable of connecting companies, people, and committees across expanses of ocean or highway, the technology has just started to show its true worth with…
    - 10 days ago 20 Oct 14, 11:09am -


  • Tracking The Progress Of My Hardest Hit Fund Program Application
    (Almost) Everyone knows about the housing crash that ruined many peoples’ lives and help throw the country into an economic tailspin. Lots of people are aware of the government’s Home Affordable Refinance Program (HARP) and Home Affordable Modifi…
    - 8 days ago 22 Oct 14, 3:21pm -
  • Shop Local: The Stores You Oppose Started Small And Local
    The 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 businesses. It seems…
    - 24 Mar 14, 6:00am -
  • The BIGGEST SECRET About Taxes You Will EVER Read!
    I bet you thought you were going to be blown away by some super-secret, S.H.I.E.L.D. level 10-access info, huh? You probably saw the title and thought “Oh, wow, now I’m going to get the real scoop!” Or, perhaps you just clicked on the link beca…
    - 12 Mar 14, 12:50pm -

Money Matters Guy

  • What to Do After a Car Accident
    Car accidents can be extremely frightening experiences.  If you are unlucky enough to be involved in one but manage to escape without any injury it is highly likely that you will end up suffering from some form of shock or at the very least you’ll…
    - 25 Mar 13, 10:56am -
  • Couponing Strategies
    With all the rage about using coupons to save money – even shows on television – you may be wondering how you can get in on the action.  Well, it’s actually pretty easy, and here are some of the top strategies that you can use right now to get…
    - 21 Dec 12, 1:11pm -
  • Planning for University Life
      This year has seen the first students beginning university life with the new increase in tuition fees. Those going into first year now are required to pay £9,000 each year in fees, but according to the National Union of Students (NUS) are likely…
    - 21 Dec 12, 1:11pm -
  • Accidents at Work
    Accident at work? That won’t happen to me! Well, as much as you’d like to think that you’ll never get an injury in your office, there’s always a chance that you could. That’s why it’s essential for you to know what steps to take if it hap…
    - 3 Dec 12, 5:09am -
  • Managing Your Cash Flow
    All SMEs need to manage their capital and cashflow. Having a steady supply of working capital is vital to meet monthly payment demands, as well as stabilising the business and helping push into new territories and markets. However, many SMEs continue…
    - 2 Dec 12, 5:09am -

Don't Quit Your Day Job

  • newHow Has Real Estate Performed Since the Recession?
    In a word?  Not so hotly. Of course, prices have rebounded quite a bit since the Great Recession, but a few indicators clearly show that things still have quite a way to go – if we assume they are snapping back to where they were even in the early…
    - 16 hours ago 30 Oct 14, 5:28am -
  • Income Quantiles by Age: How the 1% Break Down
    In our last examination of 2013 CPS data, we took a deeper dive into age groups… and the income those age groups receive when folks report having a Bachelor’s degree and working at least 40 hours a week (our benchmark for a full-time job).  As e…
    - 4 days ago 27 Oct 14, 5:00am -
  • Wage Income: A Key Middle Class Marker
    Excuse us while we channel Thomas Piketty for a second: the truly affluent, the highest earners… they receive the highest proportion of total income outside their wages: generally from business and investment income. And, turning off the Piketty ch…
    - 9 days ago 22 Oct 14, 5:00am -
  • S&P 500 2014 Performance: Inflation Adjusted and Dividend Reinvested
    We’ve mentioned it before, one or two (hundred) times… the best way to evaluate investment performance in a vacuum isn’t by using the ‘price level’ of an index.  Instead, it is best to check the relative purchasing power increase an invest…
    - 11 days ago 20 Oct 14, 5:30am -
  • The DQYDJ Weekender 10/18/2014
    So, my promising Saturday was rudely interrupted by the galvanized downpipe to my sprinkler system springing a leak last Sunday.  I’ve had this amazing piece of engineering you can see above (read: hack) stopping the flow brilliantly for a week, b…
    - 12 days ago 18 Oct 14, 2:13pm -

The Debt Princess

  • Discovering America’s Favorite Past-time with the 2014 Topps Baseball Series
    My youngest son has decided that he loves baseball. He played two season of t-ball before deciding that he loved soccer. Then last year I took him to his first minor league and his first major league game…he was hooked!…Read more →
    - 29 Apr 14, 8:06pm -
  • Earn Money While You Get Healthy with PactApp
    Want to get me motivated to do something? Attach a monetary reward to it. Want me to work out more? Threaten to fine me if I don’t. And that is the concept behind the awesome app I have been using,…Read more →
    - 23 Apr 14, 7:30am -
  • Stress Stinks…Literally! + $25 Walmart Giveaway
    Like most moms, my schedule is jam packed. During the past few years I was working outside the home, going to grad school, writing as a freelancer, blogging, working a weekend job for extra money, shuttling two boys to soccer…Read more →
    - 21 Apr 14, 6:00am -

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

  • Saving at Christmas with quality gifts
    It is a time for parties and gift-giving. We have some great quality gift ideas that won't blow the budget. Start planning, start saving
    - 7 days ago 24 Oct 14, 12:41am -
  • Get Your Finances Ready for Christmas With These 5 Tips
    When christmas approaches, it is always a great idea to plan your savings early. here are five tips
    - 8 days ago 23 Oct 14, 1:31am -
  • Five Tips for Keeping Construction Costs Down
    Whether it’s a private ambition to build a dream home or a large scale commercial build, everyone wants to keep their construction costs to a minimum.
    - 10 days ago 21 Oct 14, 12:55am -
  • 10 Essentials If You Want Cheap Auto Insurance
    Many people regularly complain about their high premiums. In the same time, millions of motorists enjoy low vehicle insurance rates. Then, you would wonder how come some people can get it cheap while others fail to find affordable policies. Is it pos…
    - 23 days ago 8 Oct 14, 4:00am -
  • How to Save Money When Opening Your Restaurant
    Opening a restaurant may be one of the bravest and scariest things you will do. There’s a lot you can do to avoid the possible terrors associated with starting your new business and to keep your spending in check. Hopefully you have the right team…
    - 31 days ago 30 Sep 14, 4:58am -


  • 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

  • Net Worth Update (-2.3%)
    Click here to see my current net worth. The month of September ended down.  Overall, my net worth decreased by $42,907 since my last update early September.  The reasons for the sharp decline are as follows: I am selling one out of my 2 rental p…
    - 28 days ago 2 Oct 14, 11:28am -
  • Net Worth Update (+2.6%)
    Click here to see my current net worth. The month of August ended up.  Overall, my net worth increased by $47,793 since my last update early August.  My net worth would’ve been about $10,000 higher had it not been for $5000 in repairs at my…
    - 58 days ago 2 Sep 14, 12:48pm -
  • Net Worth Update (-1.6%)
    Click here to see my current net worth. The month of July ended slightly down.  Overall, my net worth decreased by $28,698 since my last update early July.  It was a brutal month from a stock market perspective, especially at the end of last w…
    - 85 days ago 7 Aug 14, 6:42am -
  • Net Worth Update (+1.2%)
    Click here to see my current net worth. The month of June ended slightly up.  Overall, my net worth increased by $22,038 since my last update early June.  Our net worth increase would’ve been higher, but my wife’s employer is changing her pay…
    - 1 Jul 14, 1:09pm -
  • Wealthfront versus Betterment
    For the longest time, I have managed my own investment accounts. Early on, I attempted to buy individual stocks with disastrous results. After learning from this mistake, I began to invest in mutual funds without paying any attention to fees. Over th…
    - 19 Jun 14, 11:10am -

Money Infographics

  • Using online ERP: Getting started
    Effective project management is critical to the success of all businesses, and small businesses in particular must ensure they successful manage the delivery of their projects in order to remain competitive and lay the foundation for future growth. U…
    - 5 Jul 14, 3:14pm -
  • Round up of some amazing reads this week
    Debt Guru @ Debt Free Blog writes Caution!: Ten Warning Signs of Debt Problems – Being in debt can be a serious issue. Financial problems can follow you for your life. The following are ten signs that you may be facing debt problems. Maria @ The Mo…
    - 25 May 14, 1:45am -
  • Plan so you don’t leave the UAE broke and disillusioned
    There’s little doubt about it, the United Arab Emirates (UAE) is a popular Middle East country in which to live and work. Having said that, hard data about the make up of the UAE’s disparate expat communities – how many in each group and from w…
    - 27 Apr 14, 3:36pm -
  • Big Expenses That Might Require a Personal Loan
    Getting a personal loan is a decision that shouldn’t be taken lightly. The most important thing to remember is to pay the loan off as quickly as possible or at the very least pay the minimum loan amount to maintain a respectable credit rating. But…
    - 13 Mar 14, 3:22am -
  • Purchasing fine art
    There is money to be made in fine art and endless joy to be had in acquiring fantastic works. Yet, from afar, this world can seem as distant as say, a galaxy far, far away. What perhaps startles most people looking to invest in their first work of ar…
    - 16 Feb 14, 11:31am -

Money and Map

  • Best Place To Find Information
      List of My Favorite and Most Visited Websites Save money here by finding the lowest and cheapest […]Keep Reading A Related Topic:List of Money Saving Stacking Tips and Tricks for Holiday Shopping   Black Friday, Small Busin…
    - 30 Jun 13, 7:26am -
  • Why And How To Benefit From Referral Programs
        Frequently I post refer a friend programs to share ideas for generating extra money. Whether you have a […]Keep Reading A Related Topic:Check Out Ebates Special Promotion For Cash Bonus     Ebates, a popular...Reminder: Discover Card Re…
    - 9 May 13, 9:59am -
  • We Can Eat Free All Month
      My email ‘inbox’ had a nice surprise this morning.  For Mr. MoneyMap’s birthday, Marriott Hotels offered a free elite […]Keep Reading A Related Topic:How To Get Free Kids Meal Coupons   For Friday Freebie, I...Tip For Free Food When…
    - 5 May 13, 7:50am -
  • Flexibility: Why I Like This Feature Of 529 College Savings Plan
      Earlier I posted a method for college students to grab a few extra dollars via Serve’s signup bonus. While […]Keep Reading A Related Topic:Gangnam Style and Health Savings Account   At a certain point...Moving Soon? Remember Your Tax Ben…
    - 2 May 13, 9:02pm -
  • MIB. Find Out What They Know About You Before It’s Too Late
      Applied for life, disability, or health insurance within the last seven years?  MIB has a file on you. MIB […]Keep Reading A Related Topic:Gangnam Style and Health Savings Account   At a certain point...Did Your Check Get Rejected? Find Ou…
    - 1 May 13, 3:21pm -

Debt Free Squad

  • 5 Rookie Investing Mistakes to Avoid
    Smart investing is an acquired skill. It takes years of experience to invest properly. Tune in to learn what Jeff has learned about investing over the last 40 years. These five tips will save you time, money, and stress. Post Footer automatically gen…
    - 19 May 14, 9:13am -
  • Should I Help my College Graduate Financially
    Post Footer automatically generated by Add Post Footer Plugin for wordpress. Thanks for installing the Bottom of every post plugin by Corey Salzano. Contact me if you need custom WordPress plugins or website design.The post Should I Help my College…
    - 30 Apr 14, 8:24pm -
  • Cash vs. Credit
    Having a budget doesn’t restrict you, it actually gives you freedom to spend money! Follow these few simple tips and you will naturally save and spend less. Post Footer automatically generated by Add Post Footer Plugin for wordpress. Thanks for ins…
    - 21 Apr 14, 4:28pm -
  • Motivation Quotes by Zig Ziglar
    ) People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily! Get your daily motivation with the Debt Free Squad. For more motivational one minute videos, check out:…
    - 13 Mar 14, 9:45am -
  • Be the Prayer Warrior in Your House
    Are you ready to be the prayer warrior in your house? 1 Chronicles 16:11 says “Look to the LORD and his strength; seek his face always.” Time to call upon your source for strength by praying routinely. Have trouble sticking to a schedule? Why not…
    - 11 Mar 14, 7:52pm -

Go Banking Rates


  • 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 -
  • Looking for a Cheap Way to Invest? How Does Free Sound?
    New stock-buying options for those with just a little to invest.Regular consumers have been cautious about investing in stocks for years. While there's a lot of money to be made, the potential comes with a great amount of risk. With the steady ris…
    - 17 Feb 14, 2:00pm -
  • Power Budgeting - Use this Essential Business Principle to Save More Money in Less Time
    Get more from your money saving efforts!Sometimes, a nifty rule-of-thumb rule can be a handy reminder to do things that are either difficult to imagine or hard to remember. Ideas like the Pareto Principle are one of those that can help break throu…
    - 16 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…
    - 4 days ago 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…
    - 80 days ago 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…
    - 80 days ago 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 -


  • Is Your Small Business Getting Enough Value From Your CPA?
    Your accountant should deliver enough value to justify the cost that your business bears for retaining their services. Having said that, it is in many cases the business that doesn't extract enough value from their CPA. Are you happy with your curr…
    - 6 days ago 24 Oct 14, 3:18pm -
  • Inherited IRA Withdrawal Options
    I recently have inherited an rollover IRA account from my deceased father. I'm required to select a distribution option, which I am having difficulty understanding. Can you briefly explain the following options: total distribution, systematic/RMD…
    - 8 days ago 22 Oct 14, 1:24pm -
  • What Will Lower Oil Prices Mean For You?
    The price of oil continues to drop due to concerns of a global economic slowdown coupled with an apparent boom in US oil production. Even more, the recent 20% price drop over the past month is showing no signs of stabilizing. Having said that, co…
    - 13 days ago 17 Oct 14, 3:11pm -
  • Preparing For Rising Business Costs In 2015
    In the upcoming year, most businesses will face higher costs for shipping, insurance, health-care, and labor. The economy is expected to grow at a 3.1% rate versus 1.9% in 2013, which should offset some of these rising costs. What costs can you e…
    - 20 days ago 10 Oct 14, 3:07pm -
  • What Is The Health-Care Insurance Penalty?
    This will be the first year that the health-care changes passed in 2010 will have an impact on those that opt out of coverage. Specifically, under the Individual Shared Responsibility Provision, individuals that are subject to the penalty will hav…
    - 27 days ago 3 Oct 14, 6:04pm -

The Truth About Mortgage

  • HUD Has $412 Million in Uncollected FHA Mortgage Insurance Refunds
    If you’ve ever taken out an FHA loan, you may be eligible for a refund on that costly upfront mortgage insurance premium. Sure, the FHA is struggling at the moment and no longer so liberal about doling out refunds on newly originated loans, but the…
    - 1 day ago 29 Oct 14, 4:25pm -
  • Online Refinance Shop Lenda Has Plans to Fund Home Loans in Seconds
    In the technology world, and more specifically, the venture capitalist world, the word “disrupt” gets thrown around an awful lot. Too much really. There’s even a Disrupt conference. Every new business these days seeking millions of dollars in f…
    - 8 days ago 22 Oct 14, 1:27pm -
  • Mortgage Lending Volume Expected to Rise 7% in 2015
    After what seemed like a dismal few weeks, some good news is finally streaming back into the mortgage world. First off, mortgage rates are super low again, with the 30-year fixed pricing below 4% at some lenders. It sounds like a broken record but I…
    - 9 days ago 21 Oct 14, 3:23pm -
  • Fannie and Freddie Will Offer 3% Down Mortgages Again
    Some good news finally came out of Las Vegas today, and I’m not talking about someone winning a mega jackpot on an oversized one-armed bandit. During the Mortgage Bankers Association’s Annual Convention in Sin City, it was revealed that Fannie Ma…
    - 10 days ago 20 Oct 14, 5:10pm -
  • The Rent vs. Buy Argument Depends on Mortgage Type Too
    Trulia releases a quarterly Rent Versus Buy report to determine if it makes more sense to buy a home or continue renting based on current metrics. Their latest report for the third quarter of 2014 revealed that buying is still 38% cheaper than renti…
    - 15 days ago 15 Oct 14, 2:37pm -

All About Living With Life

  • new7 Benefits of Calmness
    First a story:The Secret of CalmnessA disciple and his teacher were walking through the forest.He asked his teacher, “Why do only a few possess a calm mind?The teacher spoke, “An elephant was once picking leaves from a tree. A small fly came buzz…
    - 12 hours ago 30 Oct 14, 9:00am -
  • 10 Productive Ways to be Happy
    Happiness is not something ready made. It comes from your own actions. Dalai Lama XIVYou are responsible for your own happiness. It is a by-product of your positive mental attitudeand doing the right things in life. Be wise and choose the productive…
    - 4 days ago 27 Oct 14, 9:00am -
  • 10 Things You Should Not Say To Your Boss
    Have you ever said such words to your boss? It is possible that your mental attitude decides what to say at work. Think positive before you utter these self-destructive words. These negative words will jeopardize your career prospect and future advan…
    - 8 days ago 23 Oct 14, 9:00am -
  • 10 Calming Quotes
    Are you staying in calmness or your mind is in turbulence?Be inspired by these calming quotes and stay cool at all times:  1.     Peace comes from within. Do not seek it without. -  Buddha 2.     Your calm mind is the ultimate weapon agains…
    - 11 days ago 20 Oct 14, 9:00am -
  • 7 Smart Ways to Shape Your Future Now
    ‘Just as our present is the result of our past, so our future will be the result of our present. Every minute of every day we are weaving threads that will make the cloth of future.’  - Anne Spencer Parry Your future is now. What you think, bel…
    - 15 days ago 16 Oct 14, 9:00am -


  • 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 -