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Time Is Money: 11 Foolish Distractions You Can’t Afford to Indulge

Written By John Schmoll
October 16, 2023

Foolish distractions are all around us. It's easy to allow these minor interruptions to turn from minutes into hours of wasted time. In an online forum, people discussed things we all do to waste time. These are 11 of our favorite choices that should encourage us to use more critical … [Read more...] about Time Is Money: 11 Foolish Distractions You Can’t Afford to Indulge

From Fine Dining to High Fashion: 10 Ways to Splurge on Luxury With $3,000

Written By John Schmoll
October 16, 2023

Whether you're living paycheck to paycheck or are part of the 1%, everyone can agree that $3,000 is an impressive sum! In fact, plenty of luxury items and experiences can be had for that amount. Recently, men and women met in an online discussion to reveal the ways they'd splurge on luxury if they … [Read more...] about From Fine Dining to High Fashion: 10 Ways to Splurge on Luxury With $3,000

15 Legally Tolerated Actions That Make You Cringe

Written By John Schmoll
October 16, 2023

In a world governed by laws and regulations, there are specific actions that, while technically legal, leave many of us shaking our heads in disbelief. Here are 15 legally tolerated activities that make members of an online forum cringe. 1. Environmental Exemptions for Industrial Sites Many … [Read more...] about 15 Legally Tolerated Actions That Make You Cringe

Build Wealth, Not Regrets: 12 Money Rules You Can’t Afford to Ignore

Written By John Schmoll
October 16, 2023

It's not impossible to build wealth. It takes effort and stamina, but with a little creativity you can become rich. Unfortunately, many people believe it's impossible. Worse yet, they see cutting back as the only way to grow wealth. That's only half of the equation. Earning more is the other part … [Read more...] about Build Wealth, Not Regrets: 12 Money Rules You Can’t Afford to Ignore

Money Well Spent: The 10 Subscriptions You Won’t Regret Investing In

Written By John Schmoll
October 16, 2023

In 2023, subscriptions are much more than just Netflix and Amazon Prime. While countless TV and movie streaming services get most of the attention, many other subscriptions are worth your hard-earned cash. Recently, men and women met in an online discussion to reveal the subscription services that … [Read more...] about Money Well Spent: The 10 Subscriptions You Won’t Regret Investing In

Are You Bleeding Cash? 12 Wasteful Money Drains You Need to Stop Now

Written By John Schmoll
October 16, 2023

It's far too easy to waste money. From buying lunch out too often to mega size car payments, money drains can have a significant impact on your budget. In a recent discussion online, people shared ways people waste their money on too often. Here are 12 of our favorite choices that keep you from … [Read more...] about Are You Bleeding Cash? 12 Wasteful Money Drains You Need to Stop Now

Are CDs FDIC Insured?

Written By Sarah Sharkey
October 16, 2023

When you have cash on hand that you don’t want to put into the stock market or another investment vehicle, you could let the funds collect dust in a traditional savings account or take advantage of certificates of deposit (CDs).  A CD tends to have a higher interest rate than a savings … [Read more...] about Are CDs FDIC Insured?

40-Something Blogger’s Million-Dollar Secret to Financial Freedom

Written By John Schmoll
October 15, 2023

The feeling is so palpable I can taste the adrenaline in my mouth. Another creditor was calling. Another person on the other end of the line asking me for money I didn't have. I had gotten myself into $50,000 of credit card debt. Sure, I had my college degree, but no prospects for how to use it … [Read more...] about 40-Something Blogger’s Million-Dollar Secret to Financial Freedom

Celebrities Behaving Badly: 12 Blunders That Shocked Us All

Written By John Schmoll
October 15, 2023

Never forget, stars are normal people after all. Just people that are known everywhere they go. Still, at the end of the day, they put their pants on the same way as the rest of us. However, their stardom means that when they do something stupid, everyone finds out. Here are 12 celebrity blunders … [Read more...] about Celebrities Behaving Badly: 12 Blunders That Shocked Us All

Free and Fabulous: 12 Hobbies That’ll Keep You Entertained For Nothing

Written By John Schmoll
October 15, 2023

Hobbies are a great way to keep yourself occupied during your spare time, but when you are working within a budget, you may feel as though you don't have the funds for a hobby. Not to worry! There are hobbies out there that will keep you entertained without costing you any money. Bird … [Read more...] about Free and Fabulous: 12 Hobbies That’ll Keep You Entertained For Nothing

Navigating Finances Without Guidance: 10 Essential Tips for Those Without Money-Savvy Parents

Written By John Schmoll
October 15, 2023

Traversing the unfamiliar world of personal finance can be daunting if you do it alone. Believe it or not, most men and women receive little-to-no financial advice when they're younger. However, there is good news: Hope is not lost! Recently, people converged in an online discussion to reveal … [Read more...] about Navigating Finances Without Guidance: 10 Essential Tips for Those Without Money-Savvy Parents

The Pretty Tax: 10 Battles Women Fight Simply for Being Beautiful

Written By Nicole Schmoll
October 14, 2023

No one ever said beauty was free. Just look at the makeup, hair and nail industry. But, there's another price pretty women pay - and it's one they'd rather not have to. Women took to an online forum to share stories about the painful experiences they've had just because of how they look. 1. Love at … [Read more...] about The Pretty Tax: 10 Battles Women Fight Simply for Being Beautiful

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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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