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The Not-So-Silent Threat: 10 Actionable Ways to Protect Democracy

Written By Nicole Schmoll
December 10, 2023

The signs have been showing for years. Democracy is on the decline, both here in the United States and worldwide. In fact, Reuters reports that half of the world's countries are experiencing democratic declines. Similar is true in the US as well, with countless people losing faith in institutions … [Read more...] about The Not-So-Silent Threat: 10 Actionable Ways to Protect Democracy

Money Mistakes You Can’t Afford: 10 Financial Habits it Pays to Break Today

Written By John Schmoll
December 10, 2023

A lot of people believe they need to be financial experts to master their money. This holds a lot of people back from achieving their financial goals. Thankfully, following a few basic steps can help you optimize your finances. However, you must first break some bad financial habits to put … [Read more...] about Money Mistakes You Can’t Afford: 10 Financial Habits it Pays to Break Today

Busting Gen Z Myths: 11 Tired Stereotypes That Are Far From Reality

Written By John Schmoll
December 9, 2023

Gen Z receives a lot of flack from older generations. Some of it has a basis, but like any other generation, much of it is based purely on stereotypes. Here are 11 common tropes about Gen Z that are little more than falsehood. All They Do is Job Hop A common misconception about Gen Z is that … [Read more...] about Busting Gen Z Myths: 11 Tired Stereotypes That Are Far From Reality

Your Shield Against Debt Collectors: 12 Actions They Can’t Legally Take

Written By John Schmoll
December 9, 2023

It's never an enjoyable experience to deal with debt collectors. Yes, they have a job to do but not every collector is necessarily on the up and up. On occasion, they may like to use some shady tactics to get cash from you. Thankfully, there are some limits on what they can legally do. These are 12 … [Read more...] about Your Shield Against Debt Collectors: 12 Actions They Can’t Legally Take

The Clock is Ticking: 10 Last-Minute Financial Fixes for a Worry-Free 2024

Written By John Schmoll
December 9, 2023

With the holiday season in full swing, it's tempting to forego looking at your finances. If your house is in order, that's fine, but for many, that's not the case. Putting off financial fixes is rarely a good thing, especially when you're struggling. With 2024 right around the corner, here are … [Read more...] about The Clock is Ticking: 10 Last-Minute Financial Fixes for a Worry-Free 2024

Escape the Festive Fluff: 10 Simple Ways to Stay Fit During the Holidays

Written By John Schmoll
December 8, 2023

The holidays are often full of parties and yummy food. While fun, it can often lead to unwanted weight gain. Thankfully, there are ways to avoid gaining weight without sacrificing too much. Here are ten practical ways to stay fit during the holidays and avoid regret come January. Portion … [Read more...] about Escape the Festive Fluff: 10 Simple Ways to Stay Fit During the Holidays

Buyer Beware: 13 Items You Should Steer Clear of When Shopping at Walmart

Written By John Schmoll
December 8, 2023

Not everyone is the biggest fan of Walmart. It's tough to deny the fact the store is a top option to find money-saving deals. However, it's not always the best choice. In my testing, there are some items you should purchase elsewhere. Here are 13 items that may want to avoid putting in your shopping … [Read more...] about Buyer Beware: 13 Items You Should Steer Clear of When Shopping at Walmart

I Can’t Believe I Used to Think That!: 10 Things That Frightened Us As Kids

Written By John Schmoll
December 8, 2023

Looking back as an adult, it can be surprising to remember things that used to terrify you as a kid. In a recent online discussion, people shared what used to frighten them as children. Here are ten things they say frightened them the most. Going to the Bathroom At Night A lot of childhood … [Read more...] about I Can’t Believe I Used to Think That!: 10 Things That Frightened Us As Kids

Don’t Rob Your Future: 11 Wiser Alternatives to Taking a 401k Loan

Written By John Schmoll
December 8, 2023

A 401k is a terrific option to save money for retirement. Putting money in one helps reduce your taxable income and you often receive a match from your employer. Unfortunately, more people are taking cash out of their 401k plans to help make ends meet. There are typically better choices. These are … [Read more...] about Don’t Rob Your Future: 11 Wiser Alternatives to Taking a 401k Loan

Shady But Legal: 10 Predatory Businesses That Shouldn’t Be Legal

Written By John Schmoll
December 7, 2023

In a recent online discussion, the topic of conversation was predatory business practices that shouldn't be legal but somehow are. Chances are you've wondered how some of these things are legal, too. Here are ten predatory businesses that shouldn't be legal but are. Ticketmaster Pretty much … [Read more...] about Shady But Legal: 10 Predatory Businesses That Shouldn’t Be Legal

Unexpected Allies: 11 Surprising Areas Where Boomers and Millennials Agree

Written By John Schmoll
December 7, 2023

It's not uncommon for baby boomers and millennials not to see eye to eye. They often clash, as many generations commonly do. However, strife doesn't always define the relationship. In some cases, the two groups can find common ground. In an online forum, commenters shared times where the two groups … [Read more...] about Unexpected Allies: 11 Surprising Areas Where Boomers and Millennials Agree

Still Mourning the Loss: 10 Nostalgic Items We All Wish Would Come Back

Written By John Schmoll
December 7, 2023

We all have nostalgic items from our lives that just up and disappeared. In a recent online discussion, the topic was which nostalgic items people miss the most. Here are ten things many people wish would come back. Dollar Menu Up until 2020, just about every fast-food restaurant had a … [Read more...] about Still Mourning the Loss: 10 Nostalgic Items We All Wish Would Come Back

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About the Author

I’m John Schmoll, a former stockbroker, MBA-grad, published finance writer, and founder of Frugal Rules.

My goal is to help you gain the knowledge you need to become financially independent with personally-tested financial tools and money-saving solutions.

About John Schmoll

About the Author

I’m Nicole Schmoll – a master’s-educated professional writer, mompreneur, and co-founder of Frugal Rules.

I love watching and writing about TV (and how to stream it!)

About Nicole Schmoll

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