Get Rich Slowly

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

The Simple Dollar

  • newBest Bank of America Credit Cards
    Bank of America® offers 21 unique credit cards, and each one is tailored to a different type of consumer — the frequent flyer, the frequent grocery shopper, even the person who just wants to pay a little more than the minimum payment every month.…
    - 3 hours ago 26 Aug 16, 2:24pm -
  • newHow to Minimize and Get Maximum Value from a Book Collection
    My wife and I are both lifelong reading addicts. We have shelves and boxes full of books around our home, even after several “purges” of our collection, and we could easily pare it down quite a bit more if needed in order to free up space. If you…
    - 9 hours ago 26 Aug 16, 8:00am -
  • newHow Small Businesses Can Save On Credit Card Processing Fees
    When it comes to accepting credit cards as payment, small businesses are “damned if they do, and damned if they don’t” – as in, they stand to lose income no matter which decision they make. Since approximately 35% of people preferred credit t…
    - 10 hours ago 26 Aug 16, 7:00am -
  • 31 Days to Financial Independence (Day 2): Finding Direction in the Deep End and Cleaning Up the Shallows
    “31 Days to Financial Independence” is an ongoing series that appears every Thursday on The Simple Dollar. You might want to start this series from the beginning! In the first part of this series, we took a long look at the things that shape our…
    - 1 day ago 25 Aug 16, 8:00am -
  • Are You a Freelancer… or an Exploited Worker?
    Two in five workers will be independent contractors by 2020, according to one study. That’s an estimated 60 million of us toiling without the restrictions (or benefits) of full-time employment. The downside, of course, is that this freedom isn’t…
    - 2 days ago 25 Aug 16, 4:00am -

Consumerism Commentary

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

Free Money Finance

  • newStar Money Articles for Week of August 22
    Welcome to this week's edition of Star Money Articles. Let's begin with a list of the six best portfolio management software tools for investors. My favorite is #4 -- Quicken. I've been using it for 20 years now and have...
    - 14 hours ago 26 Aug 16, 3:05am -
  • How Much Time Do You Spend Managing Your Finances?
    Mixed Up Money spends one day a month managing her finances where she batches all of her financials tasks into a day at either the first or the end of the month. I don't do the one day thing, but...
    - 3 days ago 24 Aug 16, 3:05am -
  • New Site Rocking
    Hey, all. I hope this message finds you all doing well! Just wanted to post again that my new site is up and running. If you want an email sent to you with my new site listed, you have two...
    - 4 days ago 23 Aug 16, 3:05am -
  • The Vast Majority of Americans Will Struggle Financially All Their Lives
    The book The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM) features an interesting money-related comment. Here's what it said: According to the Social Security Administration, if you take any 100 people at…
    - 5 days ago 22 Aug 16, 3:05am -
  • Star Money Articles for Week of August 15
    Welcome to this week's edition of Star Money Articles. I have lots of good stuff for you! Here's a post with lots of promise: How to Retire By 55 (or Sooner) on a Salary of $50,000 or Less. To do...
    - 8 days ago 19 Aug 16, 3:05am -

Wise Bread

  • new9 Ways Siri Can Be Your Personal Finance Assistant
    We're still a few years away from having personal robot assistants, but voice-activated applications on most modern smartphones are already making our lives easier. Apps like Apple's Siri or Microsoft's Cortana can be helpful in a number of ways, and…
    - 13 hours ago 26 Aug 16, 4:30am -
  • newBest Credit Cards for Bad Credit
    You don't have too many credit card options when you have bad credit. One solution is to get a secured credit card, which requires a refundable deposit before an account can be opened. If you want an unsecured card, then there are a few good choices.…
    - 13 hours ago 26 Aug 16, 4:30am -
  • newEarn Free Travel Sooner With These Frequent Flyer Mileage Secrets
    One of the biggest costs you will encounter when planning for travel is the transportation: airfare to and from your destination. That's where frequent flyer miles come in — an easy way to travel more and spend less. (See also: Little Known Trick t…
    - 13 hours ago 26 Aug 16, 4:00am -
  • newFlashback Friday: 49 Smartest Amazon Hacks That Will Save You Big
    According to recent data, Amazon's net revenue for 2015 was over $100 billion in the U.S. alone. And I'm only responsible for half of that.It's an online retail powerhouse for a reason. It offers convenient shipping options, low prices, and a selec…
    - 13 hours ago 26 Aug 16, 4:00am -
  • newBest Deals for Friday 08/26
    Link for teaser title: Yay it's Friday and we have these amazing deals just for you - Bucco…
    - 14 hours ago 26 Aug 16, 3:30am -

Planting Money Seeds

  • How Rules-Based Investing Can Protect You From Yourself
    Thanks to a rash of guest posters. I’ve had a really crazy summer, and I’m just getting ready for fall. Check out this post from my friend at Investment Zen about how to use rules-based investing to avoid ruining yourself financially. Volatile ma…
    - 2 days ago 25 Aug 16, 1:38am -
  • How to Plan Your Path to Personal Financial Freedom
    As you know, I’m a big proponent of finding your own definition of financial freedom. This is a guest post from my friend Elad Mor about how he is working toward financial freedom. Personal financial freedom is the goal for all of us. We wake up ea…
    - 4 days ago 22 Aug 16, 10:26am -
  • Everything You Need to Know About Revolving Lines of Credit
    I actually use revolving lines of credit to shore up my own finances in business as well as in my personal finances. I do my best not to carry balances and pay interest, but they can be helpful in smoothing cash flow, especially for someone with a va…
    - 33 days ago 24 Jul 16, 9:41am -
  • Reader Question: What are You Doing About the #Brexit?
    I love receiving reader questions. In the last couple of days, I’ve received several questions addressing the general instability happening right now, including the recent #Brexit vote. We are going through a time of turmoil and uncertainty. Here i…
    - 60 days ago 27 Jun 16, 10:01am -
  • Rise of Stay-at-Home Dads: Financial Resources and Lifestyle Choices
    Today, it’s possible to create your own lifestyle based on your financial resources. You don’t have to follow the “traditional” path. This blog post was written as part of a sponsored program for State Farm®. All views expressed are entirely…
    - 71 days ago 16 Jun 16, 12:13pm -


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


  • 6 ways to save on food costs during road trips with family
    Rachel HartmanWithout the need to worry about high prices at the pump, you can focus your savings radar during road trips on another key travel factor: food costs. 6 ways to save on food costs during road trips with family is a post from: Bargainee…
    - 19 days ago 8 Aug 16, 12:00am -
  • Replacing your HVAC system can be expensive … here’s how to get the best value
    Amy FontinelleMany homeowners don’t think about their HVAC system until it breaks. But whether you're upgrading or in a bind, here's how to get the most value. Replacing your HVAC system can be expensive … here’s how to get the best value is…
    - 26 days ago 1 Aug 16, 12:00am -
  • WalletHub review: Free credit scoring and monitoring
    Amy FontinelleWith credit such an important part of our lives, it’s frustrating not to know where you stand. Is your credit good enough to get approved for the loan you want? Has someone stolen your identity after your personal information was com…
    - 31 days ago 27 Jul 16, 12:00am -
  • eBay app review and 6 tips to sell on eBay
    Rachel HartmanBefore setting up a neighborhood garage sale, it's worth considering what you could bring in by selling those old collections online with the eBay app.eBay app review and 6 tips to sell on eBay is a post from: Bargaineering
    - 44 days ago 13 Jul 16, 10:28am -
  • 7 stores with an excellent return policy
    Heather LarsonThe return policy of a store isn't always clear. But it pays to purchase from a store with a great one. Here are seven stores with excellent policies! 7 stores with an excellent return policy is a post from: Bargaineering
    - 60 days ago 27 Jun 16, 7:49am -

Five Cent Nickel

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

    - 25 Aug 15, 2:00am -


  • 7 US Companies with Ecstatic Employees
    We’ve all heard about the insane perks offered by tech companies with sprawling Silicon Valley campuses, but it’s not just the big guys that go above and beyond to ensure their employees’ happiness. To gain some insight into which businesses pu…
    - 14 days ago 12 Aug 16, 9:11am -
  • Best Ways to Get Healthy on a Budget
    Whether your goal is to get swole or simply shed that muffin top, there are more affordable options than ever when it comes to living a healthy, active lifestyle. And while running, hiking or exercising on your own doesn’t cost a dime, many of us n…
    - 25 days ago 1 Aug 16, 8:11am -
  • 10 Affordable Smart Home Gadgets to Make Your Life Easier
    You don’t need to be stacked like Bill Gates or have a bank account like Zuckerberg’s to afford a home that bends to your every whim. With Bluetooth-enabled air fresheners, vacuum cleaners with Wi-Fi and countless other connected gadgets flooding…
    - 30 days ago 27 Jul 16, 8:11am -
  • The 50/20/30 Rule for Minimalist Budgeting
    Budgets are more than just paying your bills on time—a budget is also about determining how much you should be spending, and on what. The 50/20/30 rule, also called the 50/30/20 budget, is a proportional guideline that can help you keep your spendi…
    - 37 days ago 20 Jul 16, 11:01am -
  • Best Places to Travel on a Budget
    Traveling is one of the best things in life, and luckily, low funds don’t have to dash your dreams of enjoying an epic adventure. A wealth of destinations—both in the U.S. and abroad—are so affordable that even hardcore penny pinchers can visit…
    - 44 days ago 13 Jul 16, 8:00am -


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

The Consumerist

Man Vs. Debt

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

Frugal Dad

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


  • newTeachers: Are You Taking Advantage of Your Discounts?
    It’s back-to-school season, and that means back-to-school deals for all the students out there. If you’re a student, you might even snag an awesome discount on things like laptops, software and other tech. But what about teachers? Students and th…
    - 10 hours ago 26 Aug 16, 7:00am -
  • Would You Blow a Windfall?
    I’m sure you had a dream of suddenly receiving a huge windfall at one point or another. Receiving an inheritance, writing a best-selling book, or winning the lottery are all ideas that capture our imaginations. The problem, though, is that many of…
    - 1 day ago 25 Aug 16, 10:12am -
  • How to Find a Reliable Moving Company Without Blowing Your Budget
    Moving can be an exciting time, as you move into a new space and start exploring the new neighborhood. It’s a lot of work though. Using a moving company can help relieve the stress of moving, but finding a reputable and affordable moving company ca…
    - 2 days ago 24 Aug 16, 11:20am -
  • Is FOMO Costing You?
    Chances are that you’ve heard of FOMO — the “fear of missing out.” Many of us experience this fear in our lives. We worry that we are missing out on something fun, or we think that an opportunity will pass us by. But is FOMO actually costing…
    - 3 days ago 23 Aug 16, 7:00am -
  • If Your Budget Isn’t a Stress Reliever – You’re Doing It Wrong
    I am going to be honest because personal finance absolutely must involve an honest conversation. Though some personal finance sites might compare needing a budget to needing air or food, I don’t plan to be that melodramatic. I will, however, emphas…
    - 4 days ago 22 Aug 16, 7:00am -

The Digerati Life

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

Free From Broke

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

All Financial Matters

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

Cash Money Life

  • Best Places to Open a Roth IRA Account
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Best Places to Open a Roth IRA Account.I think everyone who is eligible to open a Roth IRA should consider it. The long term tax advantages usually m…
    - 28 days ago 29 Jul 16, 9:31am -
  • Do You Need Mortgage Life Insurance? Examining the Pros and Cons to Help You Decide
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Do You Need Mortgage Life Insurance? Examining the Pros and Cons to Help You Decide.Do you have enough life insurance coverage? What would happen if…
    - 31 days ago 26 Jul 16, 2:08pm -
  • MyFICO Discounts and Promo Codes – Save Money on Your Credit Score
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at MyFICO Discounts and Promo Codes – Save Money on Your Credit Score.Do you know if you have a good credit score? Chances are, it matters a lot more…
    - 42 days ago 15 Jul 16, 12:52pm -
  • E*TRADE Online Brokerage Account Review
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at E*TRADE Online Brokerage Account Review.E*TRADE is one of the oldest and well-known online stock brokers in the US. E*TRADE is an award winning broke…
    - 51 days ago 6 Jul 16, 2:34pm -
  • Citi Price Rewind – Save Money AFTER Making a Purchase
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Citi Price Rewind – Save Money AFTER Making a Purchase.I love it when credit card companies get competitive with each other. For all the bad press…
    - 52 days ago 5 Jul 16, 2:33pm -

PT Money

  • Xero vs. QuickBooks: Which Accounting Software Will Work Best for Your Small Business?
    If you haven’t taken any classes in accounting, using QuickBooks can feel overwhelming. People with accounting backgrounds love the software, but it lacks some user-friendliness for those outside of the accounting profession. Since QuickBooks has…
    - 1 day ago 25 Aug 16, 1:38pm -
  • 5 Legit Paid Survey Sites to Make Some Extra Money
    You have probably seen the advertisements for paid survey sites in various corners of the Internet. These ads make pretty big promises: Get paid to take surveys! Earn big money in your spare time! No money to join! It’s easy to have a cynical react…
    - 4 days ago 22 Aug 16, 12:32pm -
  • The Best Automatic Savings Apps to Grow Your Wealth in 2016
    Saving money has a lot in common with flossing: you know it’s important, professionals wag their fingers at you when they find out you’ve been neglecting it, and it seems like a major pain to get in the habit of doing. Luckily for reluctant save…
    - 19 days ago 7 Aug 16, 9:30pm -
  • Sallie Mae Upromise MasterCard Review
    Many moons ago, while in high school, I was turned onto the Upromise program by my Aunt, who was a high school teacher.  I signed up immediately, had my family members sign up immediately but this being over a decade ago (and online shopping not wha…
    - 25 days ago 1 Aug 16, 9:00am -
  • Betterment Review 2016: We’re [Still] All Investors Now
    Update: This comprehensive review now includes the latest on the revolutionary personal investing service, Betterment. Betterment is investing for the masses. If online brokers like E*Trade were a revolution for the do-it-yourself investor, then Bett…
    - 27 days ago 30 Jul 16, 6:02pm -

Clever Dude

  • new3 Steps To Taking Advantage of Online Sales
    Online shoppers enjoy several benefits over going to brick and mortar stores. They shop from the comfort of their own home, can price compare with other retailers without getting out of their chair, and can also take advantage of online only sales. I…
    - 8 hours ago 26 Aug 16, 9:43am -
  • 6 Places To Find College Scholarships and Grants
    After visiting several college campuses over the summer, my son settled on his first choice of where to continue his education. He filled out his application online, and about a week later received his acceptance letter! It’s a big relief to have t…
    - 2 days ago 24 Aug 16, 11:08am -
  • How Much Does Beer At An Event REALLY Cost?
    My wife and I recently went to a rock concert held at a professional sports venue. I knew that event pricing would certainly be in effect so I wasn’t all that shocked when I looked at the board listing products and costs at the food vendors. I was…
    - 4 days ago 22 Aug 16, 7:10am -
  • How Fast Does A Car Depreciate?
    A shiny white car pulled into our driveway, the door opened and my wife’s cousin hopped out. He had just traded in the car he had been driving for several years and had stopped by visit, and to show us his new ride. “Nice car!” I said. “Thank…
    - 7 days ago 19 Aug 16, 9:57am -
  • A 3 Hour Car Flip
    Hi Clever Dudes! Today we have a guest post fromJeremy Fisher about car flipping. Take it away Jeremy! Most people’s family memories might consist of playing board games, watching movies, or rehashing the day’s events around the dining room table…
    - 9 days ago 18 Aug 16, 2:00am -

Dough Roller

  • newJob Hunting in the Social Media Age: Why Your Online Footprint Matters
    It used to be that your well-crafted resume and a pithy cover letter formed the ‘window’ through which prospective employers viewed your suitability as a candidate. Then, as technology expanded, recruiters got more resourceful. They grew wise to…
    - 11 hours ago 26 Aug 16, 6:17am -
  • How to Value Your Non-Cash Donations Come Tax Time
    Clutter can be overwhelming. It’s easy to let outgrown and unused things pile up over the years, especially if you’re not sure what to do with them. One way to clean out your closets, give back, and save money on your taxes is to donate non-cash…
    - 1 day ago 25 Aug 16, 6:08am -
  • How to Determine Your 401(k) Fees
    You are probably already figuring out how much money to contribute to your 401(k) plan every year. More than likely, you also spend time learning how best to invest the money. One thing many people neglect, however, are 401(k) fees. Small fee changes…
    - 2 days ago 24 Aug 16, 6:05am -
  • When Should You Cancel Your Credit Card?
    Credit cards are a great thing, when used properly. They provide fraud protection and the ability to build your credit, and many cards come with other great benefits like cash back or purchase protection. Properly applying for, using, and paying off…
    - 3 days ago 23 Aug 16, 6:06am -
  • Money In The Bank: Should You Take a Lump Sum for Your Pension?
    You work hard. In fact, you have been working hard your entire career, and it is just about time to call it quits for good. Ah, retirement. You may even be one of the lucky few with an employer who offered a pension. Now it’s time to just sit back…
    - 4 days ago 22 Aug 16, 6:05am -

Stop Buying Crap

My Money Blog

  • newUS National Park Centennial: Free Admission, Special Events, and Virtual Reality Tours
    The National Park Service turned 100 on August 25, 2016. From Thursday 8/25 to Sunday 8/28/16, there will be special events and free admission to all 412 national parks. Visit to find details about your nearest park. The fee waiver i…
    - 17 hours ago 26 Aug 16, 12:40am -
  • newFree Educational Apps for Children: Duck Duck Moose
    If you’re a parent of young children these days, you’re likely looking to make their screen time active and educational instead of passive. Unfortunately, free apps are often of low quality or severely restricted. Meanwhile, there are some excell…
    - 17 hours ago 26 Aug 16, 12:12am -
  • SolarCity Bonds: 6.50% Interest for 18 Month Term
    Some folks don’t like it when I write about investments that aren’t low-cost index funds. The thing is, when I find something intriguing, I like to dig deeper and then keep a record my findings. That way I can look back later and see how things t…
    - 2 days ago 25 Aug 16, 12:00am -
  • MogulREIT: CrowdFunded Real Estate for Non-Accredited Investors
    While the number of real estate crowdfunding sites keeps growing, most marketplaces still require you to be an accredited investor with high income and/or net worth requirements. However, options for non-accredited investors should improve shortly du…
    - 3 days ago 24 Aug 16, 12:00am -
  • Chase Sapphire Reserve Card Review: 100,000 Points Bonus = $1,500 in Travel, $450 Annual Fee
    Chase has a new ultra-premium credit card, the Chase Sapphire Reserve Card, which has headline features of Visa Infinite benefits, 100,000 Ultimate Rewards points sign-up bonus, and a $450 annual fee. That’s a huge sign-up bonus and a big annual fe…
    - 4 days ago 22 Aug 16, 10:53pm -

Saving to Invest

No Credit Needed

  • Paying Off Our Mortgage – Update With Chart July 2016
    My wife and I are working to pay off our fixed-rate, conventional, fifteen-year mortgage. Our goal is to eliminate our mortgage debt in less than 10 years.  We purchased our home in February of 2010 – so we have a little over four years to reach o…
    - 16 days ago 10 Aug 16, 3:09pm -
  • Get Out Of Debt – Quick Tips
    I love hearing stories about how folks are getting out of debt – and living debt free! Several years ago, my wife and I paid off all of our consumer debt – and we are now in the process of paying off our mortgage. I created an illustrated guide f…
    - 24 days ago 2 Aug 16, 10:50pm -
  • Get Out Of Debt – A Better Budget
    I recently wrote about our debt reduction process – a simple one-page guide to getting out of debt. Step 2 of our process was: We created (and followed) a zero-based budget. We “spent” our paychecks, on paper, at the beginning of each month, so…
    - 28 days ago 29 Jul 16, 6:00am -
  • DIY Digest – Some Of My Favorite DIY Youtube Channels
    Welcome to the DIY Digest – featuring DIY tips, techniques and resources. I love DIY projects – and these 6 DIY Youtube Channels inspire me to tackle projects around the house and in the shop. I have included a link to each channel page – and a…
    - 29 days ago 28 Jul 16, 5:59pm -
  • Get Out Of Debt – The Emergency Fund
    I recently wrote about our debt reduction process – a simple one-page guide to getting out of debt. Over the next few days, I plan to elaborate on each of the steps mentioned in the article, starting today with a few notes about step 1 – and the…
    - 29 days ago 28 Jul 16, 6:00am -

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

  • newAvoiding Debt Is More Important Than Your Credit Score!
    What would you rather have? No debt or a better credit score? If you’re the folks at TD Bank, apparently you take the score. Their PR department just shot me a pretty lame press release, and after asking if I was going to share it with my audience…
    - 14 hours ago 26 Aug 16, 3:04am -
  • How Do You Get Comfortable Investing Your Savings?
    Are you really good at saving, but not so much investing? If so, you’re not alone :) Meet Dave – our new friend who asked for some help in this area, and to whom I shot some thoughts over. Putting this out there for anyone else it may help too! H…
    - 3 days ago 24 Aug 16, 3:04am -
  • What I Learned Tracking Every Last Penny For 6 Years
    [Hey y’all! I found out that one of my favorite podcasters has been tracking ALL of his expenses for over 6 years now, and asked him if he’d give us an inside look at them. You know, cuz we’re nerds like that ;) Apparently he’s never looked a…
    - 5 days ago 22 Aug 16, 3:02am -
  • Take Advice From People Who Have What You Want!
    Happy Friday!! Getting into anything good this weekend? This is an extension to Wednesday’s post on kick-ass money ideas that I wanted to separate out just because it’s so chalk-full of great pointers. Especially if you’re interested in the rea…
    - 8 days ago 19 Aug 16, 3:02am -

Smart On Money

  • 5 Reasons to Refinance Your Mortgage Now
    The perfect combination of rising home values and low interest rates is here. Conditions are ripe for refinancing a mortgage.The post 5 Reasons to Refinance Your Mortgage Now appeared first on Smart On Money and was written by Contributor.Copyright…
    - 23 days ago 3 Aug 16, 11:14am -
  • Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff
    The problem with co-signed loans is that far too often people don't know what they're signing up for. Here's why co-signing is a bad idea.The post Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff appeared f…
    - 85 days ago 2 Jun 16, 5:58am -
  • Where Can I Check My State Income Tax Return Refund Status?
    Filers are waiting expectantly to see when they can expect to receive their tax refund. Here's where you can view your state income tax return status.The post Where Can I Check My State Income Tax Return Refund Status? appeared first on Smart On Mon…
    - 5 May 16, 12:59pm -
  • How To Protect Your Identity While Traveling
    With a little planning, it's possible to reduce the chances of having your identity stolen while you travel. Here are some tips to help you protect yourself.The post How To Protect Your Identity While Traveling appeared first on Smart On Money and w…
    - 1 Dec 15, 3:44pm -
  • Do You Know What REALLY Affects Your Credit Score?
    Many consumers are aware that a credit score is an important part of their finances. But do you really know what affects your credit score?The post Do You Know What REALLY Affects Your Credit Score? appeared first on Smart On Money and was written b…
    - 8 Oct 15, 5:57am -

Financial Samurai

  • Follow The Money: A Look At The Best Paying Government Jobs
    Recently, I read two articles that blew my mind. Perhaps they will blow your mind too. 1) The first article talks about how the US Army fudged $6.8 trillion in accounting entries in 2015 to balance its books. The Defense Department’s Inspector Ge…
    - 2 days ago 25 Aug 16, 3:48am -
  • A Long Road Home: Financial Samurai Passive Income Update 2017
    When I left my job in early 2012, I made it a goal to achieve a $200,000 annual passive income figure by June 2015. At the time, I had around $80,000 in annual passive income and figured why not shoot for $200,000 in order to never have to go back…
    - 5 days ago 22 Aug 16, 3:28am -
  • A Beautiful Way To “Legally” Avoid Paying Taxes And A Legal Settlement
    “Take money from your right pocket and put it in your left pocket. Now you have yourself a solution.” – Anonymous One of the reasons I went to Budapest earlier this year was to see if it was a suitable city to establish a Financial Samurai I…
    - 7 days ago 19 Aug 16, 2:28pm -
  • Enjoy The House’s Money: Practice Taking Profits To Pay For A Better Life
    “I’m always told when to buy, but I’m never told when to sell.” – Anonymous mutual fund manager. What’s the point of investing money? To pay for a better life. I think many of us forget that investing is just a means to an end. We set up…
    - 10 days ago 17 Aug 16, 3:18am -

Fiscal Fizzle

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

Green Panda Treehouse

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

Len Penzo

  • newWhy Shopping for a Better Auto Insurance Deal Is Easier Than Ever
    Car insurance can be expensive. If you don’t take the time to find a better deal on your car insurance premiums, you’re likely to pay even more than you’re currently paying. According to a report by the U.S. Bureau of Labor Statistics, car insu…
    - 11 hours ago 26 Aug 16, 6:15am -
  • The Pros and Cons of 7 Popular Student Loan Refinancing Options
    It’s a sad reality that most students cannot graduate from a four-year university without being saddled with thousands of dollars of debt. And if you choose to stick with your standard loan repayment plan without looking into other options, you cou…
    - 1 day ago 25 Aug 16, 6:15am -
  • 3 Things People Pay For That Cost More Than They Should
    No matter how thrifty you think you are, the truth is, most people are constantly spending money; it’s just part of being an adult. And if you have any level of property or responsibility at all, you have operating costs and overhead, just like a b…
    - 2 days ago 24 Aug 16, 6:15am -
  • 9 Common Wedding-Plan Mistakes That Will Drain Your Bank Account
    Getting married is one of the important milestones of your life — until you get the bill. Last year, the average cost of a wedding in the U.S. reached a whopping $32,641 — which is why one-third of couples go into debt to afford their big day.Wit…
    - 3 days ago 23 Aug 16, 6:15am -
  • How to Use a Ledger to Teach Your Kids Money Management Skills
    Before my kids, Matthew and Nina, became teenagers I conducted a little experiment in order to ascertain their sophistication level regarding money by conducting a loan interview with the Bank of Dad. Not surprisingly, I learned that my kids were roo…
    - 4 days ago 22 Aug 16, 6:15am -

Lazy Man and Money

  • How Do Like The New Uber gPod?
    I'm doing something a little different with this article. If you like it, please leave a comment and/or share this article with a friend. It's 2030 and my little man, Giles*, is now a big man. He's a month away from his 18th birthday. He's studied ex…
    - 3 days ago 23 Aug 16, 10:10am -
  • The Olympics and Money: Winners and Losers
    I have to start this article with a few disclaimers. 1. I haven't watched much of the Olympics this year... probably about 3-4 hours total. I know there are people who watch more than that each day. They can tell you all the details about each Olympi…
    - 9 days ago 17 Aug 16, 8:45am -
  • Betting On Zero with My New BFF, Billionaire Bill Ackman
    "Don't worry. We are going to get them. We are going to get them all." - Bill Ackman to me A couple of weeks ago, I wrote about the idea that someone should remake The Big Short, but from the perspective of MLM/pyramid scheme fraud. My idea wasn't ve…
    - 11 days ago 15 Aug 16, 10:55am -
  • Introducing the Subway Footlong Index (SFI)
    I was reading Retire By 40 a couple of days ago and Joe had a good article about not forgetting about inflation in retirement. After all, if you are going to "Retire by 40", you've got to consider dealing with potentially 45 years (or more) of inflat…
    - 15 days ago 11 Aug 16, 6:00am -
  • Victory Day Over MLM Scams
    "I just realized something, something that really never occurred to me before. We're gonna win." - Buffy the Vampire Slayer (Chosen) Today's article would have been published earlier, but there was a bit of an unexpected delay. Today is known as Vict…
    - 18 days ago 8 Aug 16, 6:27pm -

Mighty Bargain Hunter

  • Payday loan carnage: $50k interest on $2.5k
    Payday loan arrangements are awful for the borrower, in case you didn’t know.  But if they’re legislated out of existence, who will pick it up? Payday loans (also called check loans) are extremely high-interest loans for people who have few othe…
    - 2 days ago 24 Aug 16, 10:04pm -
  • Rebate site hot deals: Week of 8/22/2016
    Check out these rebate site hot deals for the week of August 22nd, 2016 … Ebates – Triple Cash Back Week and 10% on Lenovo This week (and this week only) is Ebates‘ Triple Cash Back Week! Install the Ebates Cash Back Button to take advantage o…
    - 4 days ago 22 Aug 16, 9:55pm -
  • Dealspotr: Coupon codes with rewards
    Finding a great bargain makes a purchase that much better.  Dealspotr promotes the best deals and coupon codes by rewarding bargain hunters … There’s no shortage of coupon code sites out there.  Some of them are really big and seem to have ever…
    - 8 days ago 19 Aug 16, 12:05am -
  • Renters insurance is a wise purchase
    Renters insurance doesn’t cost that much, and it can save you from a world of hurt … I rented an apartment for six years.  My first year of graduate school I lived on campus and had about $15 of my teaching stipend left over every two weeks afte…
    - 9 days ago 17 Aug 16, 6:44am -
  • Make money online when you’re sick
    We’re not always at 100%.  Here are some ways to make money online when you’re nursing a cold … I’m thankful that we don’t get sick very often in our house.  When we do, though, it seems to hang on for a few weeks to varying degrees (like…
    - 14 days ago 12 Aug 16, 4:31pm -

Personal Dividends

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

Money Crashers

  • newHow to Deal With Unpaid Invoices From Clients – Strategies & Legal Options
    According to a survey by the Freelancers Union, more than 70% of freelancers report having a nonpaying client. If you’re a freelancer, you know that not being paid damages your bottom line, and can even ruin your career if it happens often enoug…
    - 3 hours ago 26 Aug 16, 2:45pm -
  • How Payday Loans Work – Biggest Dangers & 14 Better Alternatives
    According to a survey by Bankrate, roughly 25% of Americans live paycheck to paycheck. The money they make just barely covers their day-to-day expenses, with little or nothing left over for emergencies. If you’re in this situation, any unplanned ex…
    - 2 days ago 24 Aug 16, 10:55am -
  • 25 Best Travel Rewards Credit Cards – Reviews & Comparison
    Travel rewards credit cards fall into several broad categories. First, airline rewards credit cards are designed to reward spending with specific airlines or airline partnerships. When purchasing airfare, in-flight incidentals, and possibly other…
    - 9 days ago 17 Aug 16, 11:45am -
  • 18 Best Small Business Credit Cards – Reviews & Comparison
    Small business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans and don’t have access to networks filled with deep-pocketed family members, friends,…
    - 9 days ago 17 Aug 16, 7:35am -
  • 12 Best Gas Credit Cards – Reviews & Comparison
    Gas is one of the most popular credit card rewards categories. That’s no surprise, as most Americans rely on gas-powered cars to get around and are always searching for ways to save money on gas. Many general-purpose cash back credit cards incl…
    - 10 days ago 16 Aug 16, 7:00pm -

The Military Wallet

Deliver Away Debt

  • How to Stop Worrying about Money

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

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

Dual Income No Kids Finance

  • newStock Market Tips For Beginners
    The stock market has made people millions of dollars over the years. People have also lost their life saving due to horrible stock advice. If you’re planning on getting into the stock market game, you should make sure you know what you’re doing.…
    - 13 hours ago 26 Aug 16, 4:30am -
  • How to Live on One Income without Killing Each Other
    This is a guest post from Pauline of When it comes to earning, spending and investing money, I am fiercely independent. I don’t want to report to anyone, justify my spending or share too much about my financial life. However, I am…
    - 2 days ago 25 Aug 16, 2:00am -
  • 5 PT Jobs That Will Help You Make Extra Money
    Making extra money is something that a lot of people want to do. Whether they are paying off debt or saving for a trip, extra money comes in handy from time to time. In the past, I’ve discussed different ways to make extra money doing things like b…
    - 3 days ago 24 Aug 16, 4:30am -
  • What to do if Your Emergency Fund is Deplenished
    In life, things happen that we can’t control from time to time. Your refrigerator may stop working, or your car might need a new water pump. The good thing is that you have an emergency fund. You were prepared. You didn’t have to go into debt to…
    - 5 days ago 22 Aug 16, 4:30am -
  • How to Work Effectively With Others
    For those of us that still work a 9-5 job, I’m sure we all have one of two coworkers that may not have the best attitude and for that reason, we might not get along with them. I can remember a few occasions like that in the past. Thankfully, at my…
    - 8 days ago 19 Aug 16, 4:30am -

Generation X Finance

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


  • How do you hustle without becoming a sleazebag?
    “I want to meet up to discuss a new business opportunity.” I get these random messages on Facebook all of the time. It’s cool because I understand where these people are coming from. We all get excited about a new business idea. I’m always up…
    - 3 days ago 23 Aug 16, 9:47am -
  • Why being told that you’re the best is ruining your life
    “You’re the best.” This is the only time that you’re going to hear that from me. Usually when most people ask for advice they want you to tell them that they’re the best. If you say anything remotely negative that makes you a hater. Don’t…
    - 11 days ago 16 Aug 16, 3:00am -
  • Killer first date ideas so that you don’t end up broke and lonely

    - 22 days ago 4 Aug 16, 8:16am -
  • How do you stay motivated when you fail at everything?
    “Failure should be our teacher, not our undertaker. Failure is delay, not defeat. It is a temporary detour, not a dead end. Failure is something we can avoid only by saying nothing, doing nothing, and being nothing.” – Denis Waitley What happen…
    - 38 days ago 19 Jul 16, 7:44am -
  • How-to Become The Most Interesting Man in The World
    “You’re like the most interesting man in the world.” I said this to someone when I was a teenager and I suddenly realized that I needed to become more interesting. How many times have you wished that you could be that interesting person? Most…
    - 52 days ago 6 Jul 16, 4:00am -

Money Crush

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

Wealth Informatics

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

Engineer Your Finances

  • Paying For College Without Loans
    With the average student loan debt topping over $30,000, students all over the country are looking for other ways to pay their tuition. Today, I want to share five things that you can do or get that will help you pay for college without having to use…
    - 3 days ago 24 Aug 16, 4:30am -
  • Getting a Car From the Auction
    A few weeks ago I discussed four places that you find a used car. Another place that you can get a used car from is the auto auction. There are several things that you can do to make sure that you get a working car. Below are five tips that you can u…
    - 5 days ago 22 Aug 16, 4:30am -
  • 3 Items That Sell on eBay
    What’s going on everyone? I’ve discussed how I’ve made a lot of people selling things on eBay and making a killing. Whether you are selling full-time or part-time, you can see the opportunity that eBay gas. With so many items to sell, you may b…
    - 10 days ago 17 Aug 16, 4:30am -
  • If You Cant Find A Job Create One
    If you’re currently unemployed at the moment, you probably have been applying for jobs every day. Depending on what you’re looking for, it could take a while for you to get hired. Some people don’t have the time to wait. They need to generate a…
    - 12 days ago 15 Aug 16, 4:30am -
  • Auto Insurance Tips For Beginners
    Dealing with auto insurance providers for the first time is always fun. There is a lot of information out there. When you’re looking for auto insurance the first time, you may feel a little overwhelmed. Don’t let that get to you. It’s normal. I…
    - 17 days ago 10 Aug 16, 4:30am -

Early Retirement Extreme

  • newSloppy joe pinto beans one dollar meal
    According to the government, the average family spends $700 on food. That’s $700 a year, right? Alright, so here’s one way to do it. I call it the sloppy joe pinto bean one dollar meal. You need a can opener, a knife, a pressure cooker, and a spo…
    - 10 hours ago 26 Aug 16, 7:03am -
  • newThe Gamesmen
    I was inspired to post the following by a recent mail from T. and some earlier writings on the ecology of society. I would like to draw your attention to The Gamesman by Michael Maccoby. In this book, which I have not read yet but I got a summary fro…
    - 22 hours ago 25 Aug 16, 6:58pm -
  • Ecological housing – consider an RV
    If you have been dreaming about moving into a smaller and more ecologically sound housing project and you live below 40 degrees latitude, you may want to consider moving into an RV. You will probably be surprised that RVs come with many of the ecolog…
    - 1 day ago 25 Aug 16, 6:56am -
  • Smoothie project #7
    I share the best ones. Also try out #5 and #6. I have noticed the retail blender starting to die. Maybe it really is true that $25 blenders only last a few weeks blending raw food. 1 cup of water 1 small handful of baking chocolate 2 bananas 1 small…
    - 2 days ago 24 Aug 16, 6:49pm -
  • Escaping the “9 to 5” before 25
    Here is a new guest post in the series on plans for extreme early retirement. This one is from a young couple of professionals in their 20s. I currently have a few more lined up. If you are interested in contributing your own story or plans, see here…
    - 2 days ago 24 Aug 16, 6:43am -

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

  • Budget Mistakes: Using Credit Card as an Emergency Fund
    One great thing about credit cards is that you can use when your car breaks down on the highway and you need a tow and there’s not enough cash in your wallet or an ATM nearby. If you have that cash in savings, you’d immediately pay your card and…
    - 11 days ago 15 Aug 16, 6:29am -
  • 5 Financial Tips For Military Couples
    The military’s a special way of life. There are unique circumstances that the civilian world doesn’t deal with, like deploying and temporary duty. Sometimes those situations can make it difficult to keep your financial life on track. But, there a…
    - 16 days ago 10 Aug 16, 6:27am -
  • Covering Your Family’s Needs with Life Insurance
    If you haven’t already, set up some time during your next money date to sit down and make sure you have enough life insurance to cover your family’s needs. It may not be a fun thing to think about but as a couple with kids we knew we needed t…
    - 18 days ago 8 Aug 16, 5:50am -
  • 5 Tips to Take Advantage of Garage Sales
    Shopping at garage sales is one way to stretch your budget. What your neighbor no longer needs, may be the perfect item for you. After coming back empty-handed from too many garage sales, I learned how to make the most from these outings. Create a Sh…
    - 25 days ago 1 Aug 16, 5:50am -
  • Road Trip Ideas to Maximize Fun and Not Break Your Budget
    Summer is quickly approaching and for some couples and families it’s vacation season. Flying to your destination may not be feasible, but that doesn’t mean that a long and hectic road trip is on your agenda. Driving may be a great way to enjoy yo…
    - 32 days ago 25 Jul 16, 5:58am -

My Journey to Millions

  • Why You Need An Emergency Fund To Save For The Rainy Days
    Today’s hard financial reality can change your life in the blink of an eye. Financial crisis can hit on your door in all shapes and sizes taking the form of a job loss, home or car repair, or huge medical bills. Some people choose to liquidate thei…
    - 15 days ago 11 Aug 16, 8:16am -
  • 5 Surefire Ways You Can Better Manage Your Debt, Today
    Accumulating debt can put enormous strain on you and your family. The bills are piling up, and you cannot afford to pay a dime. Even if you don’t realize the real problem, or you don’t foresee the rainy days, you need to take action now and begin…
    - 22 days ago 4 Aug 16, 9:27am -
  • The Unseen risks of Binary options:
    Binary options are very popular among retail investors because of the easier accessibility through online trading platforms and higher returns on investment. But as its name implies, binary options can result in only two possible outcomes. A trader c…
    - 23 days ago 3 Aug 16, 12:47pm -
  • Smart Ideas for Women Looking to Make Their Mark on the Business World
    Based on the view of some economists, women entrepreneurs are an under-utilized force that can really spark the economic expansion. Close to 40 percent of businesses are currently run by women owners. This is a significant jump from the previous year…
    - 28 days ago 29 Jul 16, 1:54pm -
  • The Best Ways to Stay Comfortable and Healthy on a Long Flight
    If you’re a frequent business traveler, you may sometimes struggle with the constant grind of going on multiple long haul flights a year. Frequent air travel can sometimes make you feel sluggish or under the weather, even when you’ve long since l…
    - 45 days ago 12 Jul 16, 6:48am -

Enemy of Debt

  • newFist Pump Friday: I Love You Like A Blogger Roundup – 8/26
    Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 8/26My daughter begins high school this year.  She’s a typical girl, liking all the things girls typically like.  Which means Homecoming in early October has been a hot topi…
    - 7 hours ago 26 Aug 16, 10:33am -
  • The Case Of The Smelly Hotel Room, and 4 Steps to Resolve Any Issue
    Enemy of Debt - The Case Of The Smelly Hotel Room, and 4 Steps to Resolve Any IssueMy wife is well known for ensuring that she gets what she pays for. When something doesn’t meet her standards, or someone doesn’t deliver as promised, she makes s…
    - 3 days ago 23 Aug 16, 11:06am -
  • Fist Pump Friday: I Love You Like A Blogger Roundup – 8/19
    Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 8/19I’m heading up the the Twin Cities this weekend for a Metallica concert at the brand new 1.1 Billion dollar US Bank Stadium.  Not only do I get to see some of my favorit…
    - 7 days ago 19 Aug 16, 7:34am -
  • DIY Money Saver: You Can Change ANY Light On Your Car Yourself!
    Enemy of Debt - DIY Money Saver: You Can Change ANY Light On Your Car Yourself!I was sitting in the waiting room of the quick lube oil change place when one of the employees sat down beside me to give the customary rundown of my vehicle’s status a…
    - 9 days ago 17 Aug 16, 9:17am -
  • Chef Boyardee Price Rollback You Won’t Believe At Walmart!
    Enemy of Debt - Chef Boyardee Price Rollback You Won’t Believe At Walmart!This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #SaveOnChef #CollectiveBias With the back to school season approachi…
    - 10 days ago 16 Aug 16, 8:17am -

Peak Personal Finance

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

Simple Financial Lifestyle

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

Financially Poor

  • newTrading Terminology 101: What Are Securities?
      Becoming a trader can sometimes feel like you’re taking up a second language. There is a lot of terminology in this industry, which means you should really make a point out of learning as much of it as possible whenever you can. Start today by r…
    - 21 hours ago 25 Aug 16, 8:46pm -
  • Here are some of the qualities a good lawyer should have
    When you were young you definitely had some dreams that you wanted to pursue, apart from the fictional fantasies, you had certain aspirations that could have been inspired by the people around you or something you saw. This was probably the first tim…
    - 2 days ago 24 Aug 16, 4:27pm -
  • Do Not Be Scared About Debt, Do This Instead
    Hello my fellow Financial Freedom Guerrillas. I know being in debt can seem overwhelming but you can win if you don’t curl up and die. The last thing you want to do is freeze up, because then the debt will have won. You are stronger than that and I…
    - 3 days ago 23 Aug 16, 8:23pm -
  • 5 Essentials For Personal Finance Success
    Success in personal finance isn’t a cake walk. It takes hard work, but in the end it’s all worth it when you have the freedom to not worry about money. In order to get to that point of bliss here are 5 essential things that you’ll need. Budget…
    - 5 days ago 21 Aug 16, 8:04pm -

The Consumer Boomer

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

Personal Finance Firewall

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

Sweating The Big Stuff

  • 4 Tips for Teaching Kids about Money
    Lifelong financial responsibility begins at a young age. Wise parents start teaching their kids how to handle money from the time the children are old enough to understand budgeting principles. A few basic guidelines are often enough to help children…
    - 4 days ago 22 Aug 16, 7:00am -
  • When You Should Spend Money to Save Money
    Saving money is always a good idea, especially in challenging economic times. However, sometimes you have to spend money to save money. While that may seem counter-intuitive, there are good reasons to pay extra on an expense now that could save you h…
    - 11 days ago 15 Aug 16, 7:00am -
  • How To Live In Your Car Without Anyone Noticing
    So you just got canned, sending your financial situation into a tailspin. Next month’s rent is looming, your fridge is essentially empty, and you promised to take out a lady friend this Friday — what do you do? Tap into your savings? Sell off you…
    - 25 days ago 1 Aug 16, 7:00am -
  • 5 Financial Moves That Can Negatively Impact Your Credit Score
    Building a good credit score is important for financial success. You’ll need a strong credit rating to secure loans for long-term purchases like a car or a home. The majority of credit scores fall between 301 and 850 with the following ranking: Exc…
    - 38 days ago 19 Jul 16, 7:00am -
  • 5 Ways To Save On Utility Bills
    We spend millions of dollars on utilities in America each year, and the rates seem to keep rising. Your heating bill could be seemingly under control until you have to turn your heat on in the winter, or crank up the AC in the summer, at which point…
    - 46 days ago 11 Jul 16, 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

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

Frugal Zeitgeist

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

Out of Debt Again

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

Money Reasons

Rainy-Day Saver

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

Budgeting In the Fun Stuff

  • Liberty HealthShare – Our Health Insurance Alternative
    This is my own personal post of my own personal choices for my own family’s health care. This is not a suggestion for anybody to run out and drop their health insurance policy or make any changes at all.  I’m not a health care professional or ex…
    - 2 days ago 25 Aug 16, 4:00am -
  • How to Save Thousands of Dollars on Your Mortgage
    Classic mortgages are pretty straight forward after you finally jump through all the hoops and complete all of the paperwork to get one.   You have a set amount to pay per month for the term of your loan, which is determined by the amount you need…
    - 5 days ago 22 Aug 16, 4:00am -
  • Why You Should Start a Blog Right Now.
    It sounds corny as hell, but blogging changed my life.  I spent 5 years working in a dead end cubicle position and then I stumbled across a money blog.  It was like making a friend for the first time.  I got that warm, fuzzy feeling that I bel…
    - 10 days ago 16 Aug 16, 11:00pm -
  • New Orleans on a Budget
    I truly enjoy visiting New Orleans.  It can be easy to spend a ton visiting any tourist town, but you can visit New Orleans on a budget.  Here are my best tips an tricks! Transportation For our last trip, we drove to New Orleans from Houston, T…
    - 12 days ago 15 Aug 16, 4:00am -
  • How to Craigslist Your Garage Sale Leftovers
    About a month ago, I went on a cleaning spree. I wanted all the crap out of my house. BUT, I hate garage sales. Just takes too much planning and time. I know they can make big money, but I rather just sell things off or give them away as soon as I de…
    - 16 days ago 11 Aug 16, 4:00am -

Well Heeled Blog

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

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

Not Made Of Money

  • 5 Tips For Starting To Save Money Right Now
    For lots of people saving money may appear to be a hopeless task. They try and try to save money but struggle to consistently put money into their bank account. Failing to save money can often occur because you have so many other things to do on a da…
    - 6 days ago 21 Aug 16, 3:21am -
  • How To Pay Off Your Mortgage Faster
    The following article is a guest post. Once you’ve moved into your dream home and the initial excitement has worn off, the time has come to consider your monthly mortgage. One way to cope with the problem is saving money on everyday expenses by usi…
    - 10 days ago 17 Aug 16, 5:06am -
  • The Impact of the Brexit on the Forex Industry
    The following article is a guest post. The Brexit has had a huge impact on many different industries and the full reverberations of Britain’s decision to leave the EU are still yet to be felt. The forex industry is one which is particularly importa…
    - 20 days ago 6 Aug 16, 6:23am -
  • 12 Money Saving Tips To Help You Stick To Your Budget
    I think we’ve all been there at some time or another. We pay our bills and wonder “where did all the money go?” In these tough economic times budgets are stretched to the limit. Here are some practical tips that can help you save money and stay…
    - 22 days ago 5 Aug 16, 3:58am -
  • Your Investment Options Explained
    The following article is a guest post. Over the past decade, a growing number of people have turned to investing as a means of supplementing their incomes. Once seen as the reserve of those rich enough to hire professionals who could trade on their b…
    - 23 days ago 4 Aug 16, 4:45am -

20 Something Finance

  • Those who Avoid Short-Term Consumption Trends will Prosper
    About a year and a half ago, I saw the writing on the wall. OPEC had been pumping out millions of barrels of oil a day at a significant loss in order to drive supply ...Those who Avoid Short-Term Consumption Trends will Prosper[Read the rest of th…
    - 1 day ago 25 Aug 16, 6:49am -
  • How Long Should you Keep Tax Records?
    I strive to be a minimalist. Clutter, whether it’s stuff, electronic, or old fashion paperwork can cloud my mind and really weigh on me. That’s why a recent reader inquiry from “Stacey C” really resonated ...How Long Should you Keep Tax Rec…
    - 4 days ago 22 Aug 16, 12:30pm -
  • It’s Time for a Federal Ban on Salary History Questions
    The State of Massachusetts gets a big thumbs up from me for just becoming the first state to prohibit employers from asking potential hires about their wage, salary, or benefits history as a question during ...It’s Time for a Federal Ban on Salar…
    - 9 days ago 17 Aug 16, 7:09am -
  • Republic Wireless: Now you Can Bring your Own Phone
    Republic Wireless has long had one of the cheapest data plans on the market and has been a true disrupter in the mobile plan space.They’ve changed their plans and pricing over the years a few ...Republic Wireless: Now you Can Bring your Own Pho…
    - 11 days ago 15 Aug 16, 6:09am -
  • How to Shop at Sam’s Club without a Membership
    Membership retailers like Sam’s Club and Costco can be a bit intimidating at first. There is the personal financial dilemma about whether or not to shell out the price for an annual membership fee if ...How to Shop at Sam’s Club without a Membe…
    - 15 days ago 11 Aug 16, 5:53am -

Beating Broke

  • Clever Tips for Saving Money on Insurance
    Saving money is a topic that is on most people’s minds. Whether it’s spending less on groceries, powering down the utility bill, or shopping for the cheapest gas, there are plenty of great tips floating around the internet. You may have tried som…
    - 1 day ago 25 Aug 16, 11:44am -
  • Peer-to-Peer Investing Update Mid-2016
    It’s been a little while since I last wrote one of these updates.  January of 2015 to be exact.  Needless to say, there have been a few changes in my peer-to-peer investing in the last year and a half.  One of the biggest changes, I’ll talk ab…
    - 11 days ago 15 Aug 16, 7:24am -
  • Feed a Hungry Teenager Without Breaking Your Grocery Budget
    I’ve heard about how a hungry teenager can eat everything in the house, and now I’m experiencing it firsthand.  My son isn’t even a teen—just 12—but over the last six months, he’s grown three inches and put on 20 pounds.  I used to thin…
    - 16 days ago 10 Aug 16, 10:41am -
  • When the More Expensive Option Is the Frugal Choice
    I like to be frugal.  I like to get the most from my money, as I’m sure most of you do.  When it comes to handing over huge amounts of cash, I’d much prefer to go with the lowest price, but sometimes, the lowest price can cost you the most mone…
    - 21 days ago 5 Aug 16, 1:46pm -
  • How to Find an Affordable Apartment in a Big City
    Moving to a large city from the suburbs or a more rural area can be a big shift. I’m not just talking about a little culture shock, but also a big financial change. I found that out first-hand when I moved to Chicago this year. One of the biggest c…
    - 23 days ago 3 Aug 16, 7:30am -

20s Money

  • Home Staging – Can It Make Your Property Sell Faster?
    When someone comes to your home for a viewing, they make snap decisions in seconds, and even the smallest thing can put them off. Unfortunately, most homes for sale are quite lived in, whereas buyers want sleek show homes that don’t require any imp…
    - 1 day ago 25 Aug 16, 4:29pm -
  • Why It Takes A Business Brain To Rule In The Nonprofit Space
    Nonprofits are booming right now. In the US alone, there are something like 1.5 million organizations under that title. And the number is only continuing to grow. But at the moment, a good chunk of the nonprofit space is populated by those without bu…
    - 1 day ago 25 Aug 16, 4:22pm -
  • The New Face of Money Management
    Money management is an ever-evolving field, with new technologies rolling out and becoming outdated more quickly than many users can adopt them. In this dizzying space, it’s important to identify the trends that will stick around — and to disrega…
    - 10 days ago 16 Aug 16, 4:10pm -
  • How to Build your Pension Contributions in 3 Simple Steps
    While it is easy for younger people to ignore the benefits of paying into a private pension plan, this is something that delivers considerable rewards when you finally finish your working life and retire. The issue is that pension rules are notorious…
    - 21 days ago 5 Aug 16, 5:03pm -
  • How to Save For a House Deposit When You’re in Your 20s
    Your 20s are a time to enjoy yourself and try new things, but it’s never too early to think about the future. With house prices on the rise, wannabe homeowners are needing bigger and bigger deposits, which means you’ll need longer to save. Howeve…
    - 24 days ago 2 Aug 16, 5:43pm -


  • 8 Ways to Save Money on Groceries
    The following post is from Melissa Batai Have you noticed that each month, your groceries cost more and more?  I have.  At first I blamed it on my 12 year old who eats everything in sight, but he’s not the only factor.  Groceries just cost more…
    - 26 days ago 31 Jul 16, 8:48am -
  • How Long Can You Go Without Buying Something New?
    The following post is by Melissa Batai This year, one of my favorite bloggers embarked on an ambitious challenge—to pay down her mortgage from 28 years to 20 years, in other words, to pay off 8.5 years of her mortgage in one year.  Clearly, it’s…
    - 48 days ago 9 Jul 16, 10:01am -
  • 6 Signs You’re Targeting The Wrong Career
    Going for a right career is something which must be very easy as well as burden free thing for a person to do. Most of the people work hard day and night and get the job which is perfect for them and nail it with their dedication towards it. But, eve…
    - 48 days ago 9 Jul 16, 9:03am -
  • Getting up the Guts to Invest in Overseas Real Estate
    Investing in international or overseas real estate can seem a little too foreign, risky, and sometimes a bit scary. It all comes down to knowledge. How much do you really know about its benefits and what this venture can potentially do for your lifes…
    - 62 days ago 25 Jun 16, 2:37pm -
  • The Change in My Morning Routine That Could Save Me $500 Annually
    We all have our morning routines.  For some of us, this includes drinking a cup of coffee. This is an area in which I’ve gone back and forth over the years.  About 5 years ago, I tried to give up caffeine.  My drink of choice at the time was die…
    - 86 days ago 1 Jun 16, 8:04pm -

Passive Panda

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

20 and Engaged

  • Is Your Spouse Spending too Much?
    There are so many things that go into making a marriage successful or not, many of which cannot be controlled by one person or another.  No matter who you ask on the subject, everyone agrees that marriage is a two way commitment that requires effort…
    - 9 days ago 17 Aug 16, 7:17pm -
  • Signs that your partner is spending too much money Keeping an eye on your own spending can be difficult, especially if you like to impulse buy. But when it comes to your partner, it can often be difficult to monitor what they are spending without being controlling or intrusive. There are…
    - 18 days ago 8 Aug 16, 7:50pm -
  • Playing online games without ruing your marriage
    Does your significant other complain that you play online games too much? Even though we may think that there’s nothing wrong with playing video games for a little bit after work to calm our nerves, spending too much time doing this activity can ha…
    - 46 days ago 11 Jul 16, 9:21pm -
  • Easy Tips For a Successful Marriage
    The pressures and stresses of life can often make two people forget why they got married in the first place. Time constraints and financial burdens can cause a couple that love each other to spend a great deal of time arguing. Marriage is certainly n…
    - 21 Mar 16, 2:01pm -
  • How To Have A Healthy Sexual Life
    At a basic level, many will tell you that sex is a bodily function that is hormone driven and that has the purpose of perpetuating a species. This is a narrow view that completely underestimates human sexual response complexity. We are sexual beings…
    - 25 Jan 16, 6:52am -

The Family CEO

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

Mrs. Nespy's Frugal World

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

Saving Money Today

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

Quizzle Wire

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

Funny About Money

  • Angie’s List Class Action: Of Interest!
    Here’s a little gem about Angie’s List that I just (quite literally!) stumbled upon: Angie’s List has agreed upon a settlement in a class action suit about their deceptive rankings practice. By now you surely know that when you search … Conti…
    - 1 day ago 25 Aug 16, 12:59pm -
  • One Di$as$ter after Another…
    Defies belief: but no, it doesn’t. It’s a law of nature, isn’t it: whatever can go wrong will go wrong, at the worst possible moment. The pool pump crapped out. As you’ll recall, two years ago when Leslie’s tried to … Continue reading →
    - 2 days ago 24 Aug 16, 12:12pm -
  • Rats! More Rain!!
    🙂 The irrigation system has been off for three days, lhudly sing huzzah. So much rain has been pouring in there’s been no need to run the water, despite the usual three-digit temps during the daytime. It’s five in the … Continue reading →
    - 3 days ago 23 Aug 16, 7:17am -
  • This: THE most beautiful…
    This has got to be the single most beautiful vocal/instrumental performance I’ve ever heard. Oh god. My favorite singer with my favorite classical instrumentalist. Beyond ecstasy. I wonder if they’ve made a CD? If so, I may buy it just … Contin…
    - 5 days ago 21 Aug 16, 10:18am -
  • Watch out for Fake Amazon Email Malware
    Our truck-driving friend, Connie the Big-Rig Wrangler, reports that she received an email from Amazon saying some order she’d made had been sent. Since she orders a lot of stuff from Amazon, she thought it was routine and…yes! clicked on … Cont…
    - 6 days ago 20 Aug 16, 7:58pm -

Yes, I Am Cheap

  • 3 Ways to Become Debt Free
    If you have debt hanging over your head, what’s stopping you from paying it off?  It’s time to become debt free.  As a financial planner I can tell you the most common answers are: I don’t want to withdraw from my savings, I don’t have enou…
    - 4 days ago 23 Aug 16, 4:00am -
  • Differences Between Taking A Loan Or A Withdrawal From Your 401K
    If you've made the mistake of thinking that a 401(k) loan and a hardship withdrawal are exactly the same, boy, are you in for a surprise. Lots of differences with major consequences exist.The post Differences Between Taking A Loan Or A Withdrawal F…
    - 4 days ago 22 Aug 16, 9:45am -
  • Four Ways to Save Money and Reduce Debt
    Too much debt can lower your credit score and take all your disposable income. However, acquiring certain things in life may require a measure of debt. Not to suggest that you should go crazy and apply for every credit card and loan under the sun. Fo…
    - 11 days ago 15 Aug 16, 7:00am -
  • Your Investment Account Savings: From $0 to $10,000
    Saving for retirement is a nice thought, although not always put into practice.  Have a look at your investment account savings, is the balance where you want it to be?  A better question may be, are you on track to retire at your target age? For s…
    - 18 days ago 9 Aug 16, 4:00am -
  • The Debt Snowball and Snowflake Methods
    While I was working my way out of debt, I tried just about every method that I heard of to help me pay my debt down faster. Hands down, when I discovered the debt snowball method and the debt snowflake method, they made sense, but I just kept confus…
    - 24 days ago 2 Aug 16, 12:00pm -

Prairie EcoThrifter

  • How to Save Money on a Vacation Rental Stay
    For the past 8 years, I have owned and rented out a property in the Branson, MO area. As sort of an insider, I have seen ways that “in the know” folks can save on their vacation rental stays. When I say ‘vacation rental’ I am talking about re…
    - 8 days ago 18 Aug 16, 5:17pm -
  • Make your child’s allowance an allocation not an entitlement
    The divide between those parents who feel an allowance is beneficial and teaches money management and those who feel it just creates a sense of entitlement is huge. The debate has raged for years and the end is not in sight. My view is that an allowa…
    - 22 days ago 4 Aug 16, 5:25am -
  • 4 effective ways to improve the eco-friendliness of your business.
    Many businesses around the world want to prioritise sustainability in their business. For businesses that operate with large cashflows and profits, they are in a position to allocate budgets and resources towards developing more sustainable solutions…
    - 29 days ago 28 Jul 16, 5:46pm -
  • Expect More from Your Daughters
    “Did you know that in 2014, women working full time in the United States typically were paid just 79 percent of what men were paid, a gap of 21 percent?”  the American Association of University Women asked in article The Simple Truth about the G…
    - 58 days ago 29 Jun 16, 7:30pm -
  • Why Did I Buy That!
    Have you ever made a purchase on the spur of the moment and later had a bad case of buyers remorse? You had no intention of getting that gizmo, yet there you are holding the bag in your hand. How the heck did that happen? It is important for each of…
    - 74 days ago 13 Jun 16, 6:06am -

Debt Free Marriage

  • Cheapest Auto Insurance Quotes – 3 Tips You Need
    It’s not enough to simply say that you can go to an online website and get an exceptional deal on car insurance. There are specific websites that you need to visit in order to get this information. It is selecting the sites which is key to whether…
    - 6 days ago 20 Aug 16, 9:12am -
  • Steps You Can Take To Have A Healthy Pregnancy
    When you first find out you are pregnant, chances are you have a lot of questions. Not only can it be hard to know what to expect, but you may also be wondering what steps you can take to have a healthy pregnancy. There are actually quite a few diffe…
    - 54 days ago 3 Jul 16, 1:11pm -
  • Money and Marraige
    Reading time: 1 – 2 minutes Money problems had been cited by numerous surveys, statistics, and editorials as the#1 leading cause of divorce amongst married couples living in the US. However, most don’t go any deeper to determine WHY the couple ha…
    - 68 days ago 19 Jun 16, 9:44pm -

Wealthy Turtle

  • Is Swagbucks Legit Or A Scam?
    Swagbucks is one of the most well-known and popular websites for making money online.  Today we’re going to share our review of the cash rewards site and answer the question: “Is Swagbucks legit or a scam?” What is Swagbucks? Swagbucks is an o…
    - 3 days ago 23 Aug 16, 10:30am -
  • How Spread Betting Can Be Done Successfully
    Trading is considered as the best way of earning money and the safest way to earn. One way of trading is the spread betting, but is also a part of gambling which is regulated by FCA. There are online companies that deal with all kinds of trading and…
    - 9 days ago 17 Aug 16, 4:38pm -
  • Six Things to Consider When Choosing a Forex Broker
    Beginning a venture into forex trading is known to be one of the toughest challenges within the financial industry. Trends seem to appear and disappear on a whim, and behind the curtain, one might imagine nothing but a seething broil of random, indec…
    - 30 days ago 27 Jul 16, 4:29pm -
  • Where to Find Savings on Auto Insurance
    Wondering if you are saving as much as you can on auto insurance costs? You already have been following the time-honored advice of getting at least three quotes on insurance before you buy. Even though you have the basics covered with quote compariso…
    - 35 days ago 22 Jul 16, 6:00am -
  • Secret Trading Tips
    Currency trading requires the making of calculated decisions, which depend on, and are governed by various factors. The currency market stays open 24 hours a day, which means, volatility can occur, at any point of time. Since the market system is so…
    - 56 days ago 1 Jul 16, 9:11am -

20's Finances

  • What You Should Know Before Purchasing a Rental Property
    Real estate investment is an attractive option for investors looking to make some supplementary income without having to quit their day jobs, but purchasing rental properties isn’t always as straightforward as it seems. Consider the following facet…
    - 11 days ago 15 Aug 16, 1:10pm -
  • Using Your Student ID To Your Advantage
    Your student ID is a valuable thing. When you first get it, you don't think much of it. Sure you can use it to get money out of some banks accounts (assuming it is linked) as well as pay for food and other items on campus. But your student ID is more…
    - 55 days ago 3 Jul 16, 3:00am -
  • Living Together Unmarried: What You Need To Know
    More and more people are living together before getting married and in some cases, they decide to simply live together without getting married. While everyone is entitled to live the life they see fit, living together unmarried can bring up some unin…
    - 58 days ago 30 Jun 16, 3:00am -
  • 5 Tips for Starting Your Career Off Right
    Moving from college life to adult life can be a shock to many new graduates. Not only is it a lot harder to get through a day at work after a night of drinking than getting through a couple of classes, it also is tough to be tied to a desk for 40 or…
    - 59 days ago 28 Jun 16, 6:54pm -
  • 3 Moves To Make To Rid Yourself of Student Loans
    Graduation is upon us and for many seniors, it means entering the real world. This usually entails getting a job, finding a place to live and paying off those pesky student loans. While I know that student loans aren't high on your importance list at…
    - 59 days ago 28 Jun 16, 6:51pm -

Careful Cents

  • How to Become a Huffington Post Blogger (Using Their New Platform)
    This post was originally written back in April of 2013, by Catherine Alford (a contributor to the site at the time) and has since been updated over the years. In the past, you could craft an article and pitch it to the editors at the Huffington Post,…
    - 4 days ago 22 Aug 16, 9:00am -
  • How to Find Freelance Jobs When You Have No Experience
    Most freelance jobs are looking to hire freelancers who have experience. But how the heck are you supposed to gain experience in the first place? This is actually the number one question I get from freelance coaching clients, and it’s a tough catc…
    - 11 days ago 15 Aug 16, 8:00am -
  • Video: How to Get High Quality Freelance Work With ClearVoice
    If you’ve been reading this site for any length of time, you know that I’m a big believer in avoiding traditional job boards. They’re a waste of time and effort, and give you no control over your freelance career. But freelancers have to find w…
    - 22 days ago 4 Aug 16, 8:00am -
  • Book Update: New Plans and a New Publisher
    Back in April of this year I announced that I was offered a book publishing deal with Coventry Publishing House. I signed their contract in October 2015 and had six months to write my book, tentatively titled, Journey to Freelance: An Unconventional…
    - 29 days ago 28 Jul 16, 9:00am -
  • Freelancer Growth Mindset: What if You Already Reached All Your Goals?
    Since this blog is a safe place, I’m going to be brutally honest with you today. For the past 18 months or so I’ve been stuck — like really stuck. No matter what I tried, what I did, or how I approached my blog/business nothing gave me the res…
    - 50 days ago 7 Jul 16, 9:00am -

Everything Finance

  • 7 Awesome Apps That Help You Save Money
    When you think of the apps on your phone or tablet, games like CandyCrush, or social media apps like Snapchat and Instagram might come to mind. Although these are the most talked about, and no doubt the more popular downloads you hear about, apps can…
    - 2 days ago 25 Aug 16, 3:30am -
  • Reverse Your Credit Score: Credit Repair Help For Those With Bad Credit
    Over the last few years, we have seen some significant changes in the ways consumers are approaching personal finance strategies.  One of the most critical aspects of any sound financial game plan is to ensure that your credit scores are as high as…
    - 2 days ago 24 Aug 16, 12:17pm -
  • 6 Lucrative Side Hustles for College Students
    School is back in session, or soon will be for most college students. While fall is the best time to focus on your academics and have a great start to the new semester, you can also focus on earning extra money in your spare time. If you’ve ever ex…
    - 3 days ago 24 Aug 16, 3:30am -
  • 5 Hidden Costs Killing Your Budget
    Do you ever have one of those months where you’re desperately waiting for your next paycheck and are asking yourself, “Where did all my money go this month?” If so, join the club. More than half of Americans are living paycheck to paycheck and…
    - 4 days ago 23 Aug 16, 4:00am -
  • How Job Hopping Can Hurt Your Career
    To our parents’ generation, company loyalty was everything. Most people began and ended their careers at the same company. Fast-forward to today, and you’ll find a generation of employees that tends to hop from one corporation to the next. Everyo…
    - 5 days ago 22 Aug 16, 3:30am -


  • Uber Valuation Timeline, History
    Have you ever experienced getting stranded late at night, while it was raining, because you had no car and there was no cab in sight? This happens to a lot of people, and this was what inspired two young men to create an app that has now become synon…
    - 12 Feb 16, 12:16pm -
  • Average Household Savings & Income by Age, Education [Infographic] 2016
      Average Household Savings & Income By Age & Education Savings and debt have long been a hot topic in the United States. In recent years, the subject has gained much focus by consumers and industry analysts. Just good (or bad) are people’s saving…
    - 4 Feb 16, 11:14pm -
  • Cloudera Valuation Timeline: History, Founding
    Cloudera’s current 2015 valuation tops $5 Billion, with estimated revenues of $199 million. Cloudera makes data software products and data management software. Current Valuation 2016 – $5 Billion Revenue Estimate 2015 – $199 Million Industry: D…
    - 1 Feb 16, 9:56pm -
  • Marc Andreessen Net Worth – Investments & History
    Marc Andreessen has an estimated net worth of more than $750 million. Marc Andreessen is most known for being the founder of Netscape, Loudcloud, and venture capitalist firm Andreessen Horowitz. Net Worth: $750 Million Notable Venture Capital Invest…
    - 25 Jan 16, 7:49pm -
  • Quora Valuation Timeline, Funding History, Investors, & Analysis
    Table of contents Founders & brief history Investors Initial investors Further investment rounds Current valuation Statements Industry trends Relevant links 1. Founders & brief history Quora is an online platform which offers the possibility to ask a…
    - 19 Jan 16, 10:49pm -

50 Plus Finance

  • 4 Suprising Ways to Save Big on Big Auto Repairs on a Shoe String Budget
    You're driving down the highway and your check engine light chimes. You begin to worry as your engine temperature rapidly elevates. Smoke rises from the engine as you pull to a stop on the shoulder. Opening the hood, you hear the sound of sizzling c…
    - 2 days ago 24 Aug 16, 8:00pm -
  • 7 Everyday Ways to Save Money
    In today’s society, we often spend more than the ideal amount for our families. Whether you would like some wiggle room in your budget or a family vacation, you don’t necessarily need to make more. There are tons of ways to save money on a weekl…
    - 2 days ago 24 Aug 16, 5:50pm -
  • Tokenization - Security Technology Incredibly Effective at Preventing Online Credit Card Frauds
    Security is the biggest term of the decade regarding credit card buying that has become one of the most common habits of the customers. However, the data violation regarding the credit card online transaction or offline transaction is rapidly increa…
    - 5 days ago 21 Aug 16, 9:27am -
  • 3 Incredibly Useful Practices to Avoid Debt Relief Scams in Retirement
    Debt relief is never a time that people want to fall victim to a scam but unfortunately is does happen. There are some signs to look for though which can ensure that you remain protected against fraudulent financial scams. While the great news is th…
    - 5 days ago 21 Aug 16, 9:13am -
  • The Increasing Presence of China in Global Finance - What Exactly Does this Portend?
    China is penetrating into world markets far away from home. The country is now funding development activities in Africa- very many of them. They are working on expanding their own projects in various parts of the vast Chinese terrain. On the 14th of…
    - 5 days ago 21 Aug 16, 8:45am -

Afford Anything

  • How I’m Maximizing My Rental Income with a Modern Renovation
    Last month, one of our rental properties looked like this: Today, the same property looks like this: Renovating this rental property took three weeks, cost $13,648, and increased our rental income by $4,740 per year. Want to learn more about maximi…
    - 9 days ago 17 Aug 16, 12:47pm -
  • Why “Earn More” vs. “Save More” is the Wrong Debate
    It’s time to wave the truce flag over one of personal finance’s greatest battles. One of the most spirited debates in personal finance circles is the classic “earn more” vs. “save more” standoff. The “earn more” crowd argues that rais…
    - 57 days ago 30 Jun 16, 2:25pm -

Family Money Values

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

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

Stumble Forward

  • newDebt Settlement: The Road to Debt Freedom
    “Roughly 1 out of 20 Americans with credit files are at least 30 days late on a credit card or other non-mortgage account.” Source: Due to this fact, the nee…
    - 3 hours ago 26 Aug 16, 2:06pm -
  • new10 Careers with the Greatest Potential for Job Security
    With the economy always in a state of flux, it is sometimes difficult for young people to know exactly what type of career to pursue. While they would like to follow their passion, it isn’t always the wisest career move because the job of their dre…
    - 9 hours ago 26 Aug 16, 7:53am -
  • newThe Secret Sauce Of Non-Profit Success
    The people who want to change the world start non-profits. Take TED Talks, for example. TED was begun back in 1984. But it didn’t really get going until YouTube took off back in 2005. Since then, the non-profit has been churning out an endless stre…
    - 21 hours ago 25 Aug 16, 8:37pm -


  • Tracking The Progress Of My Hardest Hit Fund Program Application
    After the housing crisis, the government set up several programs to help financially injured citizens. Follow me as I document my application for assistance from the Hardest Hit Fund program.
    - 22 Oct 14, 3:21pm -
  • The Stores You Oppose Started Small And Local
    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!
    Claiming to reveal a "secret" about anything--taxes, weight loss, money-making--is all a bunch of crap. The real truth, especially about taxes, is quite simple.
    - 12 Mar 14, 12:50pm -

Don't Quit Your Day Job

  • Have Americans Started Driving Again?
    There’s a joke about the main difference between Europe and America that goes something like this: Americans think 100 years is a long time.  Europeans think 100 miles is a long distance. Probably no other quote, serious or otherwise, best sums up…
    - 3 days ago 23 Aug 16, 2:11pm -
  • Bond Pricing Calculator Based on Current Market Price and Yield
    On this page is a bond pricing calculator which does the necessary math to tell you what a bond should be trading at today based upon the par value of the bond and the current yields available in the market.  It returns both a clean price and a dirt…
    - 12 days ago 14 Aug 16, 11:45pm -
  • Are Corporate Profits at an All Time High in the United States?
    No, earnings are not at an all time high in the United States.  With current information, earnings appear to have peaked around the 3rd or 4th quarter of 2014 and have declined since then. Just like our last article on homeownership which also invok…
    - 18 days ago 8 Aug 16, 10:04am -
  • The DQYDJ Weekender Weekly Roundup, 8/6/2016
    Happy Summer Olympics 2016! Did you, like us, stay up for the entire opening ceremony? We’re going to be either glued to the television or, at least, have it on in the background for Olympics time… so, through the 21st I guess it is.  Good luck…
    - 20 days ago 6 Aug 16, 4:26pm -
  • Is The Homeownership Rate in America the Lowest in History?
    No.  As you probably assumed anyway, due to Betteridge’s Law, we aren’t currently in a homeownership trough.  The recent homeownership rate posting of 62.9% for the second quarter of 2016 is not the lowest in history, nor is it even the lowest…
    - 26 days ago 31 Jul 16, 10:54pm -

Below Your Means

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

Humble Savers

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


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

I Am 1 Percent

  • 7 Ingredients To A Successful Restaurant
    Running a restaurant is a tough job. They say nine out of ten restaurants will fail in their first year. But it can also be extremely rewarding when you see customers coming back time and time again because they love…
    - 2 days ago 24 Aug 16, 9:10am -
  • 3 Ways To Invest In Real Estate Without A Lot Of Dough
    Most of the experts tell us that diversification is a key component to any wise investment plan. However, when exploring your available options for diverse investments, you might immediately toss out the idea of real estate investing if your availabl…
    - 16 days ago 11 Aug 16, 1:10am -
  • 5 Ways To Make Extra Cash By The End Of The Week
    If you’ve been hit with an unexpected expense or two, you might be in need of some extra cash – fast. It’s important to have an emergency stash just for situations such as these. After all, if unexpected expenses seem…
    - 38 days ago 20 Jul 16, 2:22am -
  • Selling Your Home: How to Set up an Open House
    If either you or your agent are holding an open house, there are two main points to remember. First, you want to attract as many people as possible so you get a bid at your asking price (or possibly even…
    - 58 days ago 30 Jun 16, 1:47am -
  • How to Negotiate A Raise With Your Boss
    When was the last time you got a raise? If the answer is somewhere between “never” and “I don’t remember,” then it might be time to step up and talk to the boss about a pay bump. Let’s stipulate for…
    - 20 Apr 16, 2:49am -

Teen Financial Literacy: It Starts at Home

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

Go Banking Rates


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


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

The Truth About Mortgage

  • When Will the Next Housing Market Crash Take Place?
    I’ve noticed a trend lately. Everyone’s a real estate expert. It seems the most recent crisis and recovery has turned just about every single person into a guru on all things to do with home buying and selling. I suppose part of it has to do with…
    - 2 days ago 24 Aug 16, 11:46am -
  • Zillow: Homes Would Be Worth More Without the Housing Bubble
    A new analysis from Zillow reveals that many homes would actually be worth a lot more today had there been no housing bubble back in the early 2000s. The basic premise is that historic home price growth year after year would have amounted to better o…
    - 4 days ago 22 Aug 16, 2:06pm -
  • Clara: There’s a New Hipster Mortgage Lender in Town
    A new online mortgage lender by the name of “Clara” looks to separate itself from the crowd by touting technology and transparency. And from the looks of their website, they seem to be appealing to the youth. I might be joking a bit when I refer…
    - 9 days ago 17 Aug 16, 3:45pm -
  • Quicken Loan’s 1% Down Mortgage Program
    It seems just about everyone is lowering mortgage down payment requirements to deal with rising home prices, this despite the near-record low mortgage rates still widely available. You see, down payment is still the biggest hurdle to homeownership, a…
    - 9 days ago 17 Aug 16, 3:15pm -
  • Mortgage Origination Volume Expected to Hit $2 Trillion This Year
    While many expected the mortgage market to cool off this year thanks to both rising home prices and higher mortgage rates, the complete opposite seems to have happened. Today, Freddie Mac released its latest monthly outlook report, noting that 2016 m…
    - 11 days ago 15 Aug 16, 4:00pm -

All About Living With Life

  • 20 Way Quotes To Usher the New Year
    1. The way of success is the way of continuous pursuit of knowledge.- Napoleon Hill 2. Problems are the guiding lights along the way of life. - Debasish Mridha 3. The only way to live is by accepting each minute as an unrepeatable miracle. - Jack K…
    - 1 Jan 16, 9:00am -
  • 5 Words to Live By in 2016 and Beyond
    Words are singularly the most powerful force available to humanity. We can choose to use this force constructively with words of encouragement, or destructively using words of despair. Words have energy and power with the ability to help, to heal, to…
    - 30 Dec 15, 9:00am -
  • 15 Task Quotes To Inspire You and Get Things Done
    1. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and starting on the first one. -Mark Twain 2. I long to accomplish a great and noble task; but my chief duty is to accomplish small tasks as if…
    - 28 Dec 15, 9:00am -
  • 15 Rest Quotes For You to Take a Break
    1. He that can take rest is greater than he that can take cities. -Benjamin Franklin 2. Rest is not idleness, and to lie sometimes on the grass on a summer day listening to the murmur of water, or watching the clouds float across the sky, is hardly…
    - 25 Dec 15, 9:00am -
  • 15 Skill Quotes to Enhance Your Strengths
    1. Training and managing your own mind is the most important skill you could ever own, in terms of both happiness and success. - T. Harv Eker  2. The most complicated skill is to be simple. - Dejan Stojanovic 3. Learning how to learn is life's mos…
    - 23 Dec 15, 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 -