Is Now the Time to Launch Your New Business?

If you are considering starting your own business, now is a great time to do so. If you want to become a millionaire, owning your business is probably the best way to get there. While it’s true that the economy is growing very slowly and people are slow to spend money, now is the time to take advantage of opportunity. […]

A Financial Festivus for the Rest of Us

To all those who celebrate, have a successful Festivus. I’ve come to be a fan of this secular “holiday,” celebrated every year on December 23 following its mass introduction to the public through an episode of Seinfeld. At its core is a non-commercial, non-religious approach to the season. […]

5 Times When it Makes Sense to Borrow Money

The following is a guest post by Dan Wesley at Credit Loan. After Dan's thoughts, I've detailed where I agree and disagree with him. The Credit Card Act made it easier to see what kinds of fees your credit card company is charging, and that’s a good thing. […]

Reader Mailbag: Family and Friends

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Pets, roommates, and repair costs 2. Gift receipts 3. Why get married? 4. Lonely Christmas 5. College athletic compensation 6. Preparing for a layoff 7. Why Christmas? 8. Diversifying retirement savings 9. […]

8 Tips for Improving or Starting a Budget

Budgeting is boring and takes precious time out of our busy schedules. But let me tell you something — having a solid budget works incredibly well for your finances. […]

5 Theme Menus for a Merrier Holiday Meal

Chances are you consume (or prepare, if you’re the ambitious type) the same ho-hum holiday meal on Christmas as you do at Thanksgiving: Turkey or ham surrounded by all the not-so-"savoir" fare like mashed potatoes, candied yams, cranberry sauce, and green bean casser… Whoops! I nodded off for a sec. Can you blame me? […]

How to Start a Coin Collection For You or Your Kids

Out of all of my favorite interests or hobbies, coin collecting isn’t ranked first. It is something I’ve enjoyed throughout my whole life, however, even if it’s not something that’s been a primary goal or warranted much effort on my part. It is a great hobby for children for a number of reasons. […]

Happy Holidays!

I wanted to wish you and yours a safe and happy holiday. To those who celebrate Christmas, Merry Christmas. For those who had celebrated Hanukkah, I hope you enjoyed the Festival of Lights earlier this month. For those who celebrate neither, may you have good times and safe travels wherever you may be. We’ll return to semi-regularly scheduled program next Monday. (Photo: tunruh) Happy Holidays! […]

Creative Ways to Improve Your Resume

Yahoo lists eight creative ways to improve your resume as follows: 1. Analyze the job post's wording. An easy way to make sure your resume gets you in the door for an interview is to echo the language in the job post. 2. Weed out fibs. 3. Get rid of the "objective statement." 4. Get rid of redundancies. 5. Cut unnecessary resume "stories." 6. Look for ways to use exciting language. 7. […]

Join Our Tweetchat on 12/23, 4:00pm CST for a Chance to Win Prizes

Link for teaser title:  http://www.wisebread.com/join-our-tweetchat-at-400-cdt-for-a-chance-to-win-prize... twitter_bigger.png Welcome to the Wise Bread weekly tweet chat! This week's topic: Last minute holiday hacks. Need a last minute gift idea? […]

Cheap Christmas? The Christmas Consumer Price Index Is Down

I took a look at the Christmas Price Index (CPI) last year to mull over the prices of the items that were part of the “12 Days of Christmas” ensemble. Last year, the prices were supposed to have stayed stable, while this year, prices have supposed to have slid. Sounds great, but…. I wonder about that. […]

Best Buy Eliminates Some Restocking Fees

On the heels of a lackluster sales report during the holiday season, Best Buy has decided to eliminate restocking fees. Until recently, Best Buy charged customers 15% of the purchase price to restock an opened item. These returned electronics, if sold, usually feature a sales price of 10% off the regular price. […]

Spare Change: Help a Reporter Edition

From time to time, reporters contact me for help on their stories. But often, I’m not the person they want to talk to. The person they want to talk to is you. This week, I’ve connected with two reporters writing stories with which they hope GRS readers can help. The first is looking for somebody in the Twin Cities area who has elected to live without credit cards. […]

How to Become a One-Income Family

Last month I shared a real-life example of going from two incomes to one and gave a few thoughts on how to make this happen. […]

Out With The Old, In With The New: Start a Potluck Circle

Throughout the month of December, The Simple Dollar is posting a daily series focusing on specific activities you can do right now to set the stage for a great 2011. Out with the old, in with the new. 22. Start a potluck circle. One of our favorite social events is the potluck dinners we have with our friends. […]

Wells Fargo Direct Deposit Advance

Consumerism Commentary reader Yana wrote in yesterday to let me know about some changes in the terms for Wells Fargo’s Direct Deposit Advance service. At first, I was surprised that this service exists. […]

Finding Luxury Designer Goods at Low Prices

We all know how good it feels to find luxury brand items at bargain prices.  In fact, we may be called frugal by everyone that knows us but we also enjoy products that are attractive, long lasting, and have less of a negative impact on the environment.  Those factors, along with our tight budget, are the reasons why we buy things secondhand.  Where else on earth can a woman find a […]

How to Be Mortgage Free

The book The Cheapskate Next Door: The Surprising Secrets of Americans Living Happily Below Their Means suggests how people can live mortgage free (after some time, of course) by taking the following seven steps: 1. Buy less house than you can afford. 2. Stay put in the house as long as you can. 3. Make additional payments toward principal whenever possible. 4. […]