Mutual mooching: How my community saves me money, part one

One of the greatest assets in my life is a priceless community made up of my friends, family, and other community members. My community is greater than the sum of its parts. Saving me money is just one benefit. Mutual mooching I first read about mutual mooching in Amy Dacyczyn’s “The Complete Tightwad Gazette,” but I paid little attention to it. Doing favors for people and getting favors back? […]

Get Ready for Christmas: 7 Things You Should Do Today

Take your current schedule and imagine adding Christmas shopping, Christmas parties, and holiday travel all at once. I suspect you'll thank yourself come mid-December if you use the extra time you have now to get ready for Christmas. (See also: Early Holiday Shopping: Why I Finish by Thanksgiving) 1. […]

Ask the Readers: What Subscriptions Do You Pay For?

There are so many subscription services available today. Everyone has heard of the traditional magazine and newspaper subscriptions. Many people subscribe to Netflix. But did you know there are subscription services that will deliver food, activities for your kids, books, and even clothes to you each month? What subscriptions do you pay for? Magazines? Newspapers? Netflix? […]

Live Like a Local: How to Tap Into the Local Scene While Traveling

Many travelers are on a quest of sorts to discover a destination by getting “off the beaten path.” Although I think the concept is a misnomer, I also believe travel experiences vary dramatically depending on how we do our research and who we spend our time with on the road. Your next vacation doesn't need to be a duplicate experience of what's listed in a guidebook. […]

Best Money Tips: Traveling When You Have No Money

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on traveling when you have no money, Halloween 2012 freebies, and cutting back on your monthly grocery expenses. Top 5 Articles The Ultimate Guide to Traveling When You Have No Money — If you want to travel but don't have any money, consider teaching English overseas. […]

Reader Profile: MC

The following is the latest post in my "Reader Profiles" series. Each post in this series details the financial situation and challenges of an FMF reader. […]

Organics for the Win: Why I Still Buy Organic Produce

“Organics,” said the headline, “not really very much better for you.” And a million mothers wept. Organics not proven “healthier” Indeed, according to a survey of a number of research studies — one of those “studies of studies,” as I think of them — there are very few proven health benefits to consuming organic produce over conventional produce. […]

Don’t Shop for Entertainment’s Sake (302/365)

Shopping is an extremely expensive form of entertainment. If you go out shopping simply because you can’t think of something else to do, you’re willingly putting yourself in an environment that’s designed to extract money from your pocket. They use clever displays, sights, sounds, smells, demonstrations, and countless other techniques to get you to buy something. […]

The bargain of friendship

Have you ever considered what friends are worth?  It’s futile to put a price tag on friendship itself, though it’s fairly easy to argue that someone without any friends is bankrupt in some way.  It takes time to cultivate friendships; this process can’t be accelerated by throwing money at the problem.  Having a lot of friends is good in some ways; having a few very good friends is good in other wa […]

5 Coolest Winter Jobs for College Students

Winter break is your last chance to fatten your wallet before the holidays. Luckily, hiring is up for seasonal help says Courtney Moyer, public relations manager at, a job posting site for hourly and part-time positions. Snagajob research shows that 24 percent more managers will make seasonal hires this year over last year with the average winter job paying $10.70 hourly. […]

CD Strategies: Minimizing Your Risks While Maximizing Your Returns

As a followup to Friday’s post about the recent changes to Ally Bank’s deposit agreement, I wanted to share some thoughts on minimizing your risks while seeking the best (safe) yields possible. Certificates of deposit (CDs) are an attractive option when trying to boost your savings yield because they pay more competitive rates than a saving account while still offering FDIC insurance protection. […]

Resist Planned Obsolescence or Accept the Financial Consequences

Products of all types — cars, incandescent bulbs, your iPad and iPhone — are designed with planned obsolescence in mind. The need or desire to replace products quickly and a shorter product life-cycle are a consistent drain on wealth. […]

Thirty Homemade Christmas Gifts

If you are looking for a way to really stand out during the holiday season, consider giving a homemade gift. Homemade gifts can be heartfelt, and provide you with a way to provide something truly unique to the recipients. […]

Reader Mailbag: Congratulations, Giants

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Car dilemma 2. Very young children and money 3. Praying for money? 4. Retirement contribution calculations 5. Loans versus Roth IRA? 6. Library book sales 7. Can’t find internal motivation 8. Roth IRA and wills 9. […]

7 Strategies the Rich Use that You Don’t (But Should)

After reading all the hoopla about Mitt Romney’s tax returns (I think it would be fascinating to read his returns just to see what sorts of loopholes and tricks his accounting/tax team uses… I don’t begrudge him for doing exactly what I’d do – minimize tax payments by following the rules as written), I start doing a little research into the sorts of strategies the rich use to avoid as much income […]

Safeguarding your career switch

The night before I moved to California, I got a flat tire. The day before I moved to California, someone backed into my car. The first night that I moved to California, I got a parking ticket and my car was towed. So, you know. I was really beginning to question my move to California. I switched careers in 2010. […]

3 Key Things to Look for When Choosing a Credit Card

When used correctly, a credit card can be a trusted financial tool. The right credit card provides you with rewards and perks, and doesn’t penalize you overmuch when you carry a balance or make a mistake. Because there are so many credit card options available to you, it can seem overwhelming to compare every detail of each card. […]

Best Money Tips: Get Free Stocking Stuffers

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on ways to get free stocking stuffers, reasons to make your child's Halloween costume, and amazing job perks. Top 5 Articles 13 ways to get free stocking stuffers — To get free stocking stuffers, enter drawings and follow freebie/deals bloggers. […]

Why You Should Do Things You're Bad At

As a kid, I wasn’t afraid of the dark, heights, or even, for the most part, monsters. Nope, what really knocked me awake in a cold sweat at night was the thought of my math homework, which, despite the consequences, I avoided doing at all costs. […]