The following is a contribution from Kira at the Planwise Blog. It can be great fun to page through Sunset Magazine and imagine yourself sitting in front of a Tuscan coffee table reading a book with vineyards stretching over the hillside just outside your window. Wait a minute; I live in San … [Read more...] about A Smart Way to Play Interior Designer When Moving
A common objection to being frugal is that it’s really just a nicer label for cheapness. Many a family member has told me that I am cheap. I would be the first to admit that I am always looking for a deal and love to save money. People trying to be frugal love finding ways they can make their … [Read more...] about When is Being Frugal Really Just Being Cheap?
It’s hard to believe it, but the Holidays are just around the corner. Halloween is just a few weeks away which means that Christmas is a hop, skip and jump away. What this brings to my mind is shopping and how I can avoid Holiday debt. The average American spends roughly $750 (as of 2010) and this … [Read more...] about 4 Easy Ways to Avoid Holiday Debt
I recently left my former employer (more on that later) and one of the first calls I made after making the decision was finding out what I needed to do in order to rollover my old 401(k). I wanted to make sure that I had control over my retirement money and my 401(k) makes up a substantial portion … [Read more...] about You Left Your Job, Now Take Your 401k With You
Investing in the stock market can be a daunting and overwhelming task. There are many moving parts to think of and you’re about to put some of your money into it. There are stocks, bonds, and mutual funds, to name a few investment choices, yet you don’t know what suits your investment needs. This … [Read more...] about How to Easily Determine Your Risk Profile
Credit cards aren’t bad. I know…I said it. For many, a credit card is considered one of the evils of our society, something that should be avoided at all costs. I mean, after all, they can lead to serious debt. They also can charge astronomical interest rates creating debt that feels nearly … [Read more...] about Are Credit Cards Really That Bad?
Who doesn’t like the fun of going out for dinner instead of making it at home? Even in this economy, Americans average $2,500 per person annually on eating out. Eating out can be done frugally; follow these simple steps to eat out and save money while you’re at it. 1. Skip The Drinks Eating out is … [Read more...] about 7 Frugal Ways To Save Money While Eating Out
A common excuse I have heard as to why people save little or nothing at all is that the person does not have the available money to save or does not have it budgeted. While that reason is understandable when money is tight, automating the savings process can make the act of saving relatively … [Read more...] about 6 Simple Ways to Automate Your Savings
Budgeting is tough. I know that, because I too once lived without a budget and found myself in trouble as a result. The fact is though that once I implemented and started living by a budget I soon discovered the freedom it breeds. The next step after starting a budget was discovering the envelope … [Read more...] about Why I Love the Envelope Budget System
We’ve all seen the ads that promise returns of 100-1000% or claim that buying penny stocks will make you rich. My principle regarding investing ads is simple - if it sounds too good to be true, it is. While no one expects to lose money on an investment, we all need to be realistic. Unfortunately … [Read more...] about Why I Don’t Invest in Penny Stocks
What comes to mind when you think of your college years? Many might say going to football games, making lifelong friends, or being away from home for the first time. I got to experience most if not all of that in my college years, but one of the most memorable was graduating with $25,000 in credit … [Read more...] about My Dance With Credit Card Debt (And How I Got Out of it)
A quick scan of the internet gives one the impression that personal finance blogs are a dime a dozen. It’s hard to do a Google search on personal finance blogs and not come away thinking that the market is saturated. So, why do I find myself throwing my hat into the blogging ring when there are … [Read more...] about Yes, I Know…Another Personal Finance Blog