Holiday Gift-Giving for the Truly Broke

By Andrea Dickson This year, my holiday gift giving is going to be curbed more by necessity than by my sense of goodness, frugality, or my love for the environment. I just can't afford to splurge on gifts, even though I want to. I know lots of other people are in the same situation this year, and so I'm not alone in looking for cheaper gifts or gift alternatives. […]

What You Need to Know About Roth IRAs in 2010

By Redeeming Riches According to a September 29, 2009 Fidelity Investments study, 88% of respondents are unaware of the 2010 Roth conversion opportunity. The what opportunity? With only 12% who are aware of this, chances are good you need a crash course in what exactly has changed in 2010 regarding the Roth IRA conversion opportunity and why it matters to you. What is a Roth IRA First, let's star […]

12 Last Minute Gift Ideas

This article is presented by Kelly Whalen, Consumerism Commentary staff writer. With only one more day until Christmas you may still be in the market for a few last minute gifts. If you are like me, the idea of driving through traffic and elbowing through crowds to find gifts is not going to bring you any Christmas cheer. […]

Best Deals for Thursday 12/24/09

Gap Holiday Sale: Up to 40% off + extra 20% off MEElectronics AI-M2 Sound-isolating Earbud Headphones $7 FREE Taco Bell Fresco Taco J. Crew Final Sale: Up to 70% off Scrubbing Bubbles: Buy one, get another free […]

Managing Money When You’re Paid Infrequently

Most of us are lucky. We’re paid every week, every other week, twice a month, or monthly, and this makes it easy to make ends meet each month. Some of us, however, live different lives. Freelancers, for example, are paid on a highly irregular schedule. Many graduate students receive only stipends three or four times per year. […]

3 Frugal Fashion Items Every Woman Can Wear

By Myscha Theriault I’ve been wanting to start a frugal fashion series for a while now. Clothes are something we all need to buy, and cutting down on them as a line item expense is a skill everyone will need to use at some point in their lives. […]

Can You Ever Have Enough Money?

This is a guest article by Outlaw, who lives and works in New York’s financial district and writes on the blog Credit Card Outlaw. When I first became fascinated with personal finance strategy, I was in serious credit card debt. I couldn’t find full-time work. I felt like an idiot. Every month, a new credit card statement. Every month, deeper in debt. […]

Happy Holidays!

I wish you and yours a happy and safe holiday season. It’s Christmas Eve today, so we’ll be using it as an excuse for the day off and hopefully you can too! We’ll return with the regularly scheduled programming on Monday, the 28th. Have a safe long weekend and may you be able to spend it (stress-free) with family and friends! (Photo: nez) Happy Holidays! […]

Is a Reverse Mortgage Right for You?

This is a guest post from Francine Huff, a freelance journalist and writer at and the author of The 25-Day Money Makeover for Women. She has appeared on a variety of TV and radio shows. Visit her web sites Huff Writes and Super Savvy Spender. Whether through recent news articles or over the water cooler, you’ve probably heard something about reverse mortgages. […]

Paying for Quality Saves Time and Money

As long as you are not smack dab in the middle of aggressive debt reduction (and perhaps eve if you are), paying extra for quality is rarely a bad idea. Sure, as with anything there are exceptions to the rule, but rather than focus on those exceptions, let’s focus on the rule itself. Quality is well worth the price My father, bless his heart, has always been a man who valued price over quality. […]

The Snack Police

Anyone remember my posts on whether or not it's right to bring food into a movie theater? If not, here they are for your enjoyment: Is it Ethical to Sneak Food/Drink into a Movie Theater?  My Theater Responds Now SmartMoney tells us that AMC has stopped letting people bring food into their theaters. […]

College Education Costs: Is College Worth What You Pay For It?

Secretly, have you ever wondered whether your college education was truly worth it? I’m sure it’s something many students and their parents ruminate over. I’ve even written a few articles that cover this subject: Should You Earn A College Degree? and Should You Quit School Because You’re Brilliant? are just a couple of posts I published a while back to address some questions. […]

Nine Simple Things to Do to Get Ready for Tax Season Right Now!

With Christmas comes the new year, and with the new year comes the painful cycle of preparing one’s taxes. I personally loathe tax time – to me, it’s an example of how the government simply doesn’t work very well at all. The tax code should not be tens of thousands of pages in length when it’s expected that everyone navigate it. […]

Holiday Schedule Reminder

In case you missed it, here's my posting schedule for this week and next. […]

Don't Forget to Sign Up

Just a reminder to sign up for the copy of You Need a Budget I'm currently giving away. I'll be offline most of tomorrow through the weekend and just wanted to be sure everyone who wants a chance to get one has that chance. […]

Lending Club: The Cost of Inactive Money

I updated our account in Quicken over this past weekend. In doing so, I was able to get a better look at the “real world” performance of my Lending Club portfolio. According to Lending Club, my net annualized return is currently right at 9.60%. According to Quicken, however, I’m running at about 7.5%. Why the difference? […]

Best of Personal Finance Roundup: Where to Find Free Antibiotics

By Linsey Knerl Welcome to Wise Bread's Best of Personal Finance roundup. In this article, we'll tell you where you can find free antibiotics, 45 of the weirdest college scholarships, and how to frugally and naturally fight seasonal affective disorder (SAD). […]

The 10-Second Credit Limit Increase

I logged into my Citi credit card account online today to make some changes to my profile when I decided to try to get an automatic credit line increase. I figured I was already logged in doing other things, a few button clicks to see if I could increase the limit certainly wasn’t going to cost me much time. I swung up to Tools & Services and click on Request a Credit Line Increase. […]

Going John Galt

The following is a guest post from Marotta Wealth Management. This could be a controversial post (as many are from Marotta) since it deals with politics, so please keep the debate civil.  If you're not an economist, you may vastly underestimate the negative impact of taxes on the U.S. economy. […]

Best Deals for Wednesday 12/23/09

Lenovo Multimedia Remote with Keyboard $30 & Free S/H 40" 120 Hz Samsung TVs w/free $100 Amazon Gift Card $10 off $25 at Yankee Candle FREE drinks on 12/24 at Peet’s Coffee & Tea Free Breakfast & Kids Meals at IKEA (12/26-1/3) […]