The Rise of No Fee Money Market Funds, Savings and Cash Accounts

I always found it interesting that people often complain about and chase yields on money market funds and savings accounts. To me, they do what they are designed to do. They are not designed to pay high yields or large returns. Instead, they are, by their very nature, supposed to offer a safe place that also offers liquidity and stability. […]

Decline Your Own Credit Card With MasterCard’s Help

If you can’t control your own credit card spending, MasterCard is partnering with Citi to come to your rescue. The two companies are announcing a new credit card featuring a service called inControl. […]

When Keeping Your Head Above Water Takes All You’ve Got

“It takes all the running you can do just to stay in the same place.” - The Red Queen, Alice in Wonderland I receive piles of stories from readers, but the final question in yesterday’s reader mailbag really stuck with me for a while. I’ll quote it here, so you can read it again: So I sit here writing this at a very challenging job that I enjoy the bulk of, but zaps the life right out of me, and l […]

Help a Reader: Military House Options

Here's an email I recently received from a reader: My wife and I are both 28.  We have no kids but in 2-3 years will have our first and eventually hope to have 3.  My wife will be a stay at home mom.  We are currently stationed in the DC area.  Being in the military we will be moving around every 2-3 years but there is a high likelihood of coming back to this area for later assignments.  My big […]

Ask the Readers: Silly Ways to Save (Chance to win $20)

***Congrats to our winners!*** Guest - I entertain myself for free on weekends by going to "grand openings" -banks, stores, and new housing developments. Usually there is food, raffles, gifts or coupons for services, and entertainment. […]

Lending Club – July 2010 Performance

This is just a quick update on my Lending Club performance. During the month of July, I experienced my second charge off, dropping my net annualized return into the 9.5% range. I actually knew this one was coming because the borrower in question never made a single payment. Nice, huh? This is one of the reasons that I’ve been attracted to buying notes on the secondary market. […]

How Credit Karma Caught a Credit Report Error Before I Did

I’ve been a fan of Credit Karma for about as long as they’ve been around. It’s a cornerstone of my DIY identity theft protection strategy because it lets me view my TransUnion credit score for free about as often as I want to. I usually check once a month and it lets me see if my score has made any significant changes. […]

Great Places to Retire in the US

We've discussed five places to retire on Social Security alone -- five foreign locations where you can live completely on the average SS payment of $1,200 a month. But what if you prefer to stay in the US? If you're still strapped for retirement funds and want to retire in America, MSN Money lists five cheap places to retire in the US. […]

48 Things Frugality Has Taught Me

Today, let’s do something a little different. I’m going to list 48 things I’ve learned about myself and the world around me that I only discovered thanks to frugality. 1. I really like sun tea. 2. The patience and effort in teaching yourself something new is incredibly rewarding when you begin to succeed at it (like my piano playing). 3. […]

10 Ways to Make Money Online from Anywhere

Working and making money from anywhere – if you haven’t yet tried, might seem like a distant world or something you could never do.   The thought of having more control of your lifestyle by be able to work from home or any location you choose might not even enter your reality.  Perhaps you can’t fathom a lifestyle where you don’t have a place of work to show up every day.  Maybe t […]

I Am Doing Well Financially. Now What?

"Eventually, you can afford to better your life." You've worked hard all your life, saving up while making sensible decisions about your finances. […]

More Professional Collateral for Free

Many of us who want to earn more money have side jobs, or a flourishing freelance business or two. We want our customers and clients to take us seriously, but first impressions are often ruined by amateur—or even bad—graphic design. Unless you hire a designer, you’ll never get the constructive criticism you need in order to improve your collateral, but designers are expensive. […]

Making Personal Finance Fun while Fighting for Financial Freedom

This is my introductory post as a WiseBread staff writer. And I must admit, coming up with a topic was somewhat of a daunting task. I've been blogging for over two and a half years over at, but I'm not running out of ideas. […]

Dipping Into Our Emergency Fund

This week we’ve had both good and bad news. After our car accident, it’s quite possible that we may have to dip into our emergency fund. While I’m not happy to be using it, I’m very glad that it’s there for us. All of this got me to thinking about the slight difference (in my mind at least) between a regular savings account and an emergency fund. […]

Avoid These Financial Products

When I was younger, I remember Consumer Reports was the authority on reviews of household appliances, cars, and all the other major purchases in our lives. In the ensuing decade, where I stopped paying attention (known as high school and college), they’ve expanded to include reviews on basically everything. […]

Man to Live Off Coupons for One Year

This post is from GRS staff writer April Dykman. Josh Stevens of Chicago might win $100,000 — if he can keep from spending a single cent (literally) for a year. Stevens accepted internet coupon company Groupon’s “Live Off Groupon” challenge, beating out 400 contenders, and since May he’s been using only online coupons for food, lodging, and other expenses. […]

The Basics of Asset Allocation

The following is an excerpt from Personal Investing: The Missing Manual. A related sidebar is added at the end in red. Smart investors don't pursue the current investment rage (because they know it's already old news). Nor do they try to trounce market averages. Instead, they use a simple approach that delivers the goods: asset allocation. […]

Is an Amazon Kindle for you?

The Amazon Kindle is getting a whole lot smaller, faster, and cheaper:  $139 with free Super Saver shipping.  That’s quite a bit less than what it began at. Money Beagle, though, isn’t moved at all by the ongoing e-book reader price war: His library is right around the corner and well-stocked. Most of the time, he reads books once. Moreover, he doesn’t want to pay for what he can […]

eHealthInsurance Review: Find Low Cost Health Insurance Plans

Being a small business owner, I’m responsible for my own insurance. It’s one of those things that’s a big concern when you first jump into entrepreneurship. It’s quite a different story when you’re on your own and wondering how to get health benefits. So where and how do you get your insurance plans? […]

The Legal Nomad on Saving for Travel

As you’ve probably noticed, travel has become a priority in my life. There are number of reasons for this. For one, I love it. I love visiting other cities, other states, other countries. I love seeing how different people live, and how they do things. […]