The CFPB’s New Credit Card Agreements

Although Congress is dragging its feet in confirming the Consumer Financial Protection Bureau’s potential director, the bureau has been busy developing new tools to help consumers understand agreements that are potentially damaging to a family’s finances. Last year, issuers debuted new credit card statements designed to frighten borrowers into paying off debt faster. […]

7 Tips For Buying Insurance Policies

If there’s one thing you should never rush into, it’s insurance.  Whether it’s life or car insurance, it’s a huge decision that demands a little research and your undivided attention. You don’t want to make any hasty moves because one move too soon could mean losses in the thousands over the long term.  Not all insurance companies are on your side or in business to protect you. […]

Paying Credit Cards Instead of Mortgages?

Check this out… According to TransUnion, which is one of the big three credit bureaus, credit card delinquencies are currently at their lowest level in 17 years. Surprised? I am. Given all the tight job market, stagnant wages, and increasing food prices (among other thing), I wouldn’t have expected it. At the same time, however, more Americans are falling behind on their mortgages. […]

Saving Pennies or Dollars? Space Heaters

Saving Pennies or Dollars is a new semi-regular series on The Simple Dollar, inspired by a great discussion on The Simple Dollar’s Facebook page concerning frugal tactics that might not really save that much money. […]

Year End Reminder: Fund Your IRA Now

These last few weeks in December present a good time to prepare your finances for the coming year. My personal goal is to start January 1 on a good note, moving my life forward. In the grand scheme putting your finances in order takes a back seat to cleaning up your life as a whole, but it’s an important task because it can set you up for financial success. […]

Your Take: Do You Buy Into IPOs?

There have been a lot of technology initial public offerings (IPO) this year and they’ve gotten a ton of press. It reminds me of the tech bubble over a decade ago when anything with a .com could IPO and skyrocket in the first day. This year we’ve seen plenty from LinkedIn to Pandora to Groupon and while the first day’s gains were pretty big, subsequent days saw the price fall. […]

5 Best Sign-up Bonuses for Airline Miles Credit Cards

They say that if an offer seems too good to be true, then it probably is. Therefore, one could be forgiven for dismissing some generous credit card sign-up bonuses on that basis, as many do. Nevertheless, travel credit cards really do offer some amazing bonuses that allow my family and I to travel extensively. […]

Abandon Losing Strategies

Popular culture praises persistence. We go so far as to invent words like "sticktoitiveness" and repeat aphorisms like "try, try again" and "who dares, wins" and "never give up, never give in." (See also: Not the Sort of Person Who…) The fact is, giving up is often the right strategy. If you're spending more than you earn, the sooner you give up, the less of a hole you'll be in. […]

Best Money Tips: Hosting a Budget-Friendly Holiday Party

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on planning holiday parties on the cheap, foods that boost your immunity, and saving money on your next car. Top 5 Articles How to Host a Budget Holiday Party — Place some tree ornaments in a glass bowl for a simple — yet festive — holiday centerpiece. […]

Ask the Readers: How to Help a Homeless Friend?

As the U.S. economy enters its fourth year of turmoil, average folks continue to struggle. At GRS, we’ve shared questions and stories about people who can’t make ends meet, who are losing their homes, and who find themselves out of work. But we’ve never tackled the homeless before. Today, though, Evan wrote with a tough situation. […]

4 Ways to Avoid Awkward Moments at White Elephant Parties

Chances are you’re invited to one of two types of soirees this holiday season — an ugly sweater party or a white elephant party. (See also: Creating a Memorable Christmas) The former is self-explanatory. Everybody wears the ugliest holiday sweaters they can find — usually obtained from a thrift store or their mom’s closet. […]

Reader Profile: MA

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. […]

Star Money Articles and Carnivals for the Week of Dec 5

Here are some pieces I found especially worthwhile and some of the carnivals Free Money Finance was in this week. We'll start with links from sites who contributed to my FMF $20k Red Kettle Challenge (please consider giving if you haven't already): The Financial Mentor has a retirement calculator for you. Now here are the carnivals: EDITOR'S CHOICE! […]

Netflix Review: Sign Up For An Online Movie Rental Service

How much does unlimited TV and movie streaming cost? To us, it’s $22.98 a month (with Blu-Ray) or $275.76 a year. […]

Spare Change: Building a Tower Edition

For me, the past few months have been transformative. There have been some monumental changes in my mindset, which have begun to be reflected in my everyday life. Some of these changes are public — I’m doing more interviews, I’m preparing to tackle my next book project — and some of the changes are private. […]

Moving Hosts

We’re currently making a move to a new hosting solution so things on the site might look weird. We had to revert things back a few days but hopefully we’ll get things sorted out quickly and back to normal. If you don’t see this post on the site, then we’ve transitioned over fully. Thanks and sorry for the confusion! Moving Hosts from personal finance blog […]

Help a Reader: Money Moves for Mom

Here's an email I recently received from a reader: My mom just asked me to help her look through her retirement accounts and develop a strategy going forward.  Long story short, a divorce ruined both of my parents' finances and now my mom is trying desperately to get to a point where things can be comfortable in retirement.  I have a few ideas, but think someone out there might have a better one. […]

Planning a Group Vacation

Two summers ago, my wife, my children, my parents and I all traveled to Texas together, in part to visit relatives but also to enjoy the Dallas-Fort Worth area. Because we took some time to plan the trip in advance and involved everyone going on the trip in the planning, we ended up finding quite a few free and frugal things to do on the trip. […]

How to Prepare for Higher Taxes

Regardless of which side of the isle you fall politically, there is no denying the fact that taxes are going to go up. We don’t know when but it probably won’t be far in to the future. There is certainly room for a lot of political debate on this topic but I want to talk about your money and what you can do to prepare. Why are they going up? They don’t have any room to go down. […]

Daily Deal Sites Secondary Market

These days, there is a secondary market for just about everything. You can find gift cards with unused balances remaining, and buy them for less than the face value. […]