Multi-Level Marketing Scams: Should You Ever Consider MLM as a Business Opportunity?

I have always thought there were better side jobs than MLM. I don’t know why exactly…but I just don’t like it. Two weeks ago, after a friend of my wife weaseled her way over to our house to discuss a “ground floor, once-in-a-lifetime opportunity,” I refused to come downstairs. I just stayed in my man-cave and watched Law and Order re-runs until she left. But was I unfair? […]

Are You Still Waiting for the Homebuyer Tax Credit?

The first-time homebuyer tax credit was a major incentive that the government, in collaboration with the real estate industry, initiated to stimulate the economy. It’s understood that the tax incentive worked in the short-term, encouraging more home purchases for a period of time that continued to be expanded by Congress. Nevertheless, the housing market continues to be in a slump. […]

Money Leaks: Forgetting to Pay Your Bills

We all know that banks and credit card companies make a ton of money off fees and no fee is more avoidable than a late payment fee. Some companies will assess a percentage fee based on your balance, others will charge a flat fee, but one thing is the same across all of those fees – it’s a carelessness penalty. I understand that not everyone can remember to do everything all the time. […]

How to Dispute Your Mechanic Bill

This article is by freelance writer Roger White and staff writer April Dykman. It originally appeared on Roger’s blog in a different format. April As many GRS readers know, last year I quit my job to become a full-time freelancer. The hardest thing about moving on was leaving coworkers like Roger White, a magazine editor and author of the funniest interoffice e-mails ever. […]

My One Favorite Frugal Living Tip

As the Editor of a frugal living website, I read a lot of suggestions about how to have a less-expensive, more-fulfilling life. Every day, on both Wise Bread and on other frugal living and personal finance sites, I come across dozens of inventive and useful ways to save, spend, reuse, and live better for less. […]

10 Gardening Lessons Learned the Hard Way

I am proud to announce that, as a novice gardener, I no longer wear the "black thumb of death" badge. Stuff is actually growing, and we can eat it! Here are ten tips from my (ongoing) experience. (See also: The Urban Dwellers Guide to Gardening via Currency) 1. […]

An Easy Way to Save Money

CNN Money gives us a money saving suggestion as follows: Ask this question at checkout: "If I pay in cash, can you do better on the price?"New federal rules that took effect last fall make it legal for merchants to give discounts to people who slap down actual greenbacks. […]

Try Charter Flights As A Low Cost Way To Travel

When talking about cheap charter flights, I am certainly not referring to corporate charter jet rentals. That’s anything but cheap! […]

Join Our Tweetchat on Thu 6/9, 12pm Pacific for Chance to Win Prizes

Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win prizes! Use #WBChat to participate. This week's topic: How to save on summer travel. Plan and have a fun summer vacation without breaking the bank. […]

Spare Change: Investment Research Edition

Based on GRS reader prompting, I’m continuing to learn more about asset allocation and rebalancing. I’m trying to decide what my portfolio should look like. I recently had a free consultation with a financial planner. I may or may not hire him to guide me on a regular basis. On Monday morning, I met with three representatives from Seattle Northwest. […]

Some Thoughts on Comparative Advantage

This morning, a boy from our neighborhood knocked on our door. He was looking for yards to mow and he offered to mow ours for $15 a pop. Our yard takes roughly an hour to mow with our push mower. I tend to enjoy the process, actually, as it gives me a good excuse to get exercise. I often come in pretty sweaty after mowing on a hot summer day. So I turned the boy down. […]

The Obamas Know How to Manage Money

Let me start by saying that I do not want to make this a political post. So please try to focus on the finances we're going to discuss. It seems that no matter if I highlight a Republican or a Democrat in talking about money, things often degrade to politics. […]

Starwood Preferred Guest Credit Card from American Express Review

The Starwood Preferred Guest® Credit Card from American Express is continually one of the best-reviewed cards from this issuer and card owners are most likely to rate highly on customer satisfaction surveys. The card offers excellent incentives and a low interest rate. […]

Community Supported Agriculture: Our First Delivery

This year, my lovely wife and I joined a local CSA – the fancy acronym for community supported agriculture. Joining a CSA is one of the ways we’ve considered going green while saving green and this was the first year we’ve done it. We went with One Straw Farm, a CSA located in Maryland with a drop point just a few miles from our house. […]

2011 Roth IRA Conversion Rules

In 2010, the income limit for Roth IRA conversions famously disappeared. Many people, who had been forced to get a traditional IRA because of higher income could convert that traditional IRA to a Roth version. It is still possible, in 2011, to convert your traditional IRA to a Roth IRA. […]

Part Two: 10 Ways to save money on your pet

This is the second part of a two-part series on how to save a little cash on your furry friends. To start from the beginning, check out Part One: 10 Ways to save money on your pet. Don’t forget to vote in our new poll How much do you spend on your pets? — the results are astounding! […]

How to Choose the Best Savings Account

Born in the 1970s, I didn’t get to experience the days when anyone with a bank account could earn 18% APY in their savings. When I started being aware of interest rates — something that didn’t happen for me until I was out of college, struggling to earn a living, and thinking of a savings account as something I might never afford to have — the concept of online banking had already taken off. […]

How to Get 6% Cash Back on Grocery Purchases (Or $500 Cash Back)

Here's a GREAT, new cash back credit card that makes a lucrative booster card for those of you who use a multi-card cash back strategy. A reader tipped me off to it, I did some investigation, and sure enough, it's a winner.The highlights: The card is the Blue Cash Everyday(SM) from American Express card -- or at least kind of. […]