Reader Profile: KT

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. […]

Take a Hard Look at Club Membership Fees and Gym Fees (322/365)

As I mentioned yesterday, one of the first things Sarah and I did when we began our financial recovery was to start going through all of our regular bills – monthly bills, annual bills, and everything in between. If it needed to be paid regularly, it was examined. This included quite a few club membership fees, subscription fees, and gym fees. We had a warehouse club membership. […]

Free Money from American Express

Just a quick note to let you all know that registration is now open for American Express's annual Small Business Saturday. Here's my quick summary of the event: 1. You register your American Express card at the Small Business Saturday site. 2. On Saturday, November 24, you shop with that card at a small business that accepts American Express cards. […]

Setting Clear Long-Term Financial Goals

When Sarah and I first began our financial turnaround, we discovered that it was very easy to set and complete very short term personal finance goals and microgoals. We’d agree to spend a weekend without spending any money. We’d agree to spend a day or two going through our DVD collection and eliminating 60% of it. We’d agree to spend the next month avoiding bookstores. These were strong microgoal […]

Helping the Poor This Holiday Season

For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why. For the rest of the year I'm going to be highlighting verses relating to the poor on Sundays as a reminder of why I'm doing my $25k Red Kettle Challenge. […]

Reader Stories: Making friends in ‘God’s Waiting Room’

This guest post is from Mrs. PoP, who writes at is a fitting post near Thanksgiving, as Mrs. PoP has a lot to be thankful for. This story is part of our Reader Stories series. Some stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. […]

The Pitfalls of Free Credit Reports

Sooner or later most of us will need to find out our credit score. This can be a perilous journey if you don’t know what you are doing! If you’ve looked online you will already have seen a number of websites offering free credit reports. Finding your credit score for free by using one of these websites isn’t as straightforward as it seems though. […]

Eliminate Any Monthly Services You Don’t Use (321/365)

When we first ran into our financial wall, the first action I took was to head to the library and check out a pile of books on personal finance. I brought home at least a dozen books and I started reading them rapidly and taking notes. One theme that popped up over and over again was cutting costs. […]

Ten Pieces of Inspiration #100

Each week, I highlight ten things each week that inspired me to greater financial, personal, and professional success. Hopefully, they will inspire you as well. Since this is the 100th “pieces of inspiration” article, I decided to do something a bit different. As many of you know, I’m a voracious reader. […]

What's Your Retirement Number?

I have been reading the awesome book How Much Money Do I Need to Retire? (60 Minute Financial Solutions) recently and will be sharing more from it with you over the next week or so. […]

HDHP with HSA: friend or foe?

This is a guest post from Joanna Lahey, an associate economics professor at the George H. W. Bush School of Government and Public Service and a faculty research fellow at the National Bureau of Economic Research. The opinions expressed in this post do not necessarily reflect those of the aforementioned institutions. This is the final article in her series on health insurance. […]

If Prices Are Equal, Buy It Local (320/365)

I compare online and offline prices all the time. It’s simply part of how I naturally shop. Sometimes, though, I’ll find that I can get essentially the same exact deal both online and off. The best online price I can find matches the price I see in the store. In that situation, I always buy local. There are a lot of reasons to buy local, of course. […]

How to Get 5% Cash Back on Holiday Purchases

How much did you spend during the holiday season last year? How much will you spend this year? […]

Dreaming of a Windfall

I love reading random Twitter feeds. I’ll wonder what random people are thinking about a particular topic, so I’ll go to Twitter and search for that topic. […]

Your Take: Legalize Marijuana?

Now that we’re past election season and all the fun Your Takes associated with that, I wanted to revisit an NPR piece on six policies economists love but politicians hate. Several of the six policies have made appearances on a Your Take but I wanted to jump to the juicy one next – should we be legalizing marijuana? […]

Ask the Readers: How do you build an inexpensive care package?

This guest post was written by Jenny Saikwa who was inspired by Veterans Day. I’m not exactly sure how Spit made his entrance, but the little stuffed camel certainly meant a lot to my son during the waning days of his first deployment in Afghanistan. The object of countless “missions,” Spit’s uncanny ability to sneak into a photo or weasel his way onto a helicopter was the stuff of legends. […]

12 Annoying Bank Fees and How to Avoid Them

In recent years, we’ve seen a lot about the rising costs associated with banking. Looking for ways to increase profits, banks are turning to fees at an increasing rate. […]

The Housing Market Is Finally Rebounding

The housing market is rebounding. Really. After many premature predictions and optimistic announcements, the housing market has indeed turned a corner. Home prices and sales are up. Foreclosures and mortgage delinquencies are down. Average home prices in the top 20 metro areas were up 1.6% in July from a year ago, according to the S&P/Case Shiller Home Price Indices. […]

Best Money Tips: Ways to Save Money as a Stay-at-Home Mom

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on saving as a stay-at-home mom, Black Friday ads worth checking out, and ways to save money without even trying. Top 5 Articles 7 Potential Ways to Save Money as a Stay-at-home Mom — As a stay-at-home mom, you can save money on gas and work attire! […]