Dollar Cost Averaging vs. Lump Sum Investment

You’ve probably heard of dollar cost averaging. I do it down here in Florida when the ocean water starts to cool down in the fall. I start with just my toes in the water and over the course of ten minutes, I’m in up to my head. It doesn’t change anything about my situation other than my comfort level. […]

When Should You File an Amended Return?

Tax Day is past. You’ve filed your tax return with the IRS. You are either awaiting a refund, or you have dutifully mailed off the check for what you owe in taxes. However, you realize that you are missing something. You forgot to add some paperwork, and you are entitled to a bigger refund, or you don’t owe as much money. Maybe you forgot to report some income, or you made a mistake. […]

How Long are Undeposited Checks Good?

Just over a year ago, my wife wrote a small check for an end-of-the-year school function of some sort. The check was made out to the school, but it was collected by another mom. […]

Some Side Hustles to Ramp up Your Retirement Savings

The following is a guest post from Steve at Money Infant. Steve has embraced an early retirement and pays for it with side hustles developed over the past 5 years as well as by living a frugal lifestyle. Early semi retirement has enabled him to move his family to Thailand where they are all enjoying a new culture and way of life. […]

More Women Than Men Value Career Success

A new survey by the Pew Research Center shows women have surpassed men in placing value on career advancement. Among 18 to 34-year-olds, 66 percent of women consider being successful in a high-paying career or job is one of the most important things or very important, compared to 59 percent of men. […]

Reader Mailbag: LED Bulbs

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. Retirement savings in interest checking? 2. Pain management and financial discipline 3. Credit card purchasing program? 4. Family or financial security? 5. Cubs 6. GTD tasks 7. Vinyl siding concerns 8. […]

Saving Without a Goal

For the past few months, I’ve been in a strange place with my financial journey. My retirement needs are met, as are my daily living expenses, so all I need to worry about is saving for short- and medium-term goals. That’s great — except I don’t have any. I can’t decide whether this is a problem or not. When I was younger, not having financial goals absolutely caused problems. […]

How “Not To Be A Jerk” Haggling Guide

As a kid, I would visit Taiwan every few years. My parents emigrated to the United States a few years before I was born and every few years we’d have the chance to go back to visit family. One of the lessons I quickly learned was that haggling was a way of life almost everywhere else outside of the United States. Whenever we went to street markets, everything was negotiated. […]

25 Awesome, Useful Gifts

To me, a good gift-giver is a person who can give you something that you probably wouldn't buy for yourself, but will definitely use. These good gift givers are not born; they are made. Good gift givers watch and listen, and they file away details about friends and family until the appropriate time comes. […]

21 Tasty and Cost-Effective Breakfast for Dinner Ideas

Not only does breakfast for dinner make a great addition to your cheap date repertoire, it’s also an inexpensive way to get supper on the table in a hurry after a hectic day with work and family. Bonus? It’s a great option for singles as well. Here are 21 ways to enjoy breakfast for dinner that balance flavor, frugality and fun. (See also: Cheap, Quick Homemade Breakfasts) 1. […]

Best Money Tips: Score Cheap Locally Grown Food

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on scoring cheap locally grown food, common retirement mistakes, and how to have an inexpensive wedding. Top 5 Articles 7 Ways to Score Cheap Locally Grown Food — Shop in season to score cheap locally grown food. [Money Talks News] Are You Making These 5 Common Retirement Account Mistakes? […]

Booking Got Bumped? Your Vacation Cancellation Recourse

Any savvy traveler knows to check the fine print before making travel plans. We generally know that hotels require notice if we cancel our stay, and that airlines won't let us switch departure dates without paying a fee. But what happens if the vendors, and not you, are the ones who change your plans? […]

Critical Resume Items Checklist

The following is reprinted, with permission of the publisher, from The Panic Free Job Search: Unleash the Power of the Web and Social Networking to Get Hired. © 2012 Paul Hill. Published by Career Press, Pompton Plains, NJ. All rights reserved. […]

Teachable Credit: Sneaky and Fun Credit-Building Lessons For Kids

While Congress has passed many measures in the last ten years aimed at reducing the opportunities for predatory credit card companies, the reality is that first-year college students and young adults ages 18-21 are still able to qualify for some cards that offer limits much higher than their incomes can realistically sustain. […]

Save money by keeping a Food Waste Diary

Tasty Trash: The $55 million Squawkfox Food Waste Challenge is a series aimed at helping your family save up to $1,500 this year by reducing food waste. The environment may also thank us. To start from the beginning, read the introduction. Food is so plentiful these days that we’re throwing it away. How much tasty trash is being tossed? […]

Read Your Favorite Newspaper Online (112/365)

It wasn’t too long ago that our family subscribed to the Des Moines Register. We enjoyed the local news for Polk County and surrounding areas. It kept us in touch with our community and what was going on around us. The only problem was that the newspapers would build up. If you didn’t read the paper for a day or two, they would start to accumulate. […]

Podcast 157: Credit Card Application Fees

Today on the Consumerism Commentary Podcast, Jay Frosting and Flexo talk with Matt Schulz, Vice President of Content for They discuss the implications of a recent legal ruling that excludes credit card application fees from the limit on fees that credit card issuers can charge within the first year. Consumerism Commentary Podcast Credit Card Application Fees: S07E01 / 157 […]

Now and Later: The Great Retirement Question

Over the last few months, I’ve read several articles that center around the idea that people should be saving every possible dime that they can for retirement. […]

Reader Story: Starting a Successful Business as a Single Person

This guest post from Kelly is part of the “reader stories” feature at Get Rich Slowly. 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. Want submit your own reader story? […]