Love Travel, but Hate Airline Miles? Try AmEx's Blue Sky Preferred

Sometimes, the best way to earn a free flight with a reward credit card is to avoid frequent flier miles altogether. Cards that offer cash back and other benefits are often more valuable than frequent flier miles, as these rewards can be used for any flight at any time. […]

Unclaimed Assets: Is the Government Holding Your Money?

State governments are holding an estimated $41.7 billion in unclaimed property, also called abandoned property. The funds could be from abandoned bank accounts, refunds, security deposits, insurance funds, customer over payments, or uncashed paychecks. […]

Ask the Readers: What is the next step?

J.D. wrote about the three stages of personal finance often. His definitions were: The first stage of personal finance involves learning the basics: understanding compound interest, reducing debt, beginning to save. The second stage is putting the basics into practice: choosing to live frugally, saving in earnest, and pursuing financial goals. […]

Best Money Tips: Signs You May Be a Shopaholic

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on signs you may be a shopaholic, making your life easier by snapping a photo, and planning for worst-case scenarios. Top 5 Articles Signs You May Be A Shopaholic And 6 Things You Can Do To Change It — To stop being a shopaholic, cancel your credit cards. […]

5 More Ways to Save Money on Homeschool Supplies

Years ago, I shared some of the methods I used to homeschool my five kids on a budget. While many of those resources are still relevant, some of the websites have ceased to exist, or I have found newer, better avenues for getting supplies on the cheap. Here are my new favorite five ways to get supplies for much less than retail! […]

Reader Profile: JN

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. […]

A pizza guy shouldn’t make a cardiologist salary

Saw this story on MSN Money about a pizza delivery guy who delivered 85 pizzas, costing $1,453.95.  He received a $10 tip.  A friend of the driver then posts a picture of the receipt on Reddit, and the 15 minutes of fame begins. The article points out that the tip is less than 1% of the total bill of $1,453.95.  (It’s 0.688% of the bill, actually.)  Some standards would recommend $2 per pizza, whi […]

The War on Unitaskers

One of my favorite television series is Good Eats, a food science program hosted by Alton Brown that still sometimes runs on repeats on Food Network and Cooking Channel. The series could probably best be described as being like Mr. […]

When Is It Time for You To Move Out Of Mom and Dad’s?

Young professionals have often been called the “boomerang generation.” Instead of getting a career and/or getting married by the time they are done with four years of college (or even with graduate school), many students are moving back home. A study from the Pew Research Center indicates that about 29% of those aged 25 to 34 have moved back home in recent years. […]

Does an Emergency Fund Invite Emergencies?

I was reading comments on older Consumerism Commentary articles and I came across an interesting statement. A reader, who had otherwise good advice to provide another reader who was pondering whether to use an unexpected $100,000 inheritance to pay off a mortgage or invest in the stock market, said the money or a portion of the inheritance should not be used for an emergency fund. […]

Eat out less for memorable meals

Eating out is a common budget-buster.  A meal at a restaurant can cost easily several times what a meal prepared at home would cost.  And don’t get me started on the 1,000%-plus markup on sodas! If dining out is killing your budget, then a simple way to begin bringing the problem under control is to eat out less. This implies, of course, that you were eating out too much to begin with.  What I’m g […]

Signs You May Be A Shopaholic And 6 Things You Can Do To Change It

We’ve all made purchases on impulse, whether it be that candy bar at the checkout line in the grocery store or that pair of shoes that you come across that would go perfectly with your new tailored suit or the dress you bought last week. Impulse buying is a major weakness for many, and has its own problems. […]

Reader Mailbag: Getting in the Zone

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. Debts versus inheritance 2. Narrowing down your side businesses 3. Mid-term investment 4. Does neat office help productivity? 5. Where do I start? 6. Paring down unused things 7. Homebuying concerns 8. Spousal anger 9. […]

Having a Baby? Great. $13,000, Please.

How much is that bundle of joy going to cost you? There are lots of online calculators out there, but a quick search will yield this estimator at The calculations are based on USDA’s 2010 report, wherein they take account of the region you live in, your annual income, and the type of schooling your child will eventually attend (big factor here). […]

How to Ask for a Raise in a Tough Economy

The job market is improving lately, but it can still be tough to get a raise. There aren’t that many jobs yet, and a lot of employers are overcome with cost cutting fever. […]

The 5 Best Coffee Grinders

For a lot of people, coffee is a necessary component in kickstarting their day, and so for those folks it makes a lot of sense to have the equipment necessary to make a good brew at home. […]

25 Ways to Lower Your Grocery Bill

After housing and transportation costs, food consumes more of the average household's budget than anything else. I've already looked at ways to cut housing and transportation. Now let's look at a few ways trim our food budget — and do it without tightening our belts. (See also: How to Grocery Shop for Five on $100 a Week) 1. […]

The hassle of being in debt

This post is from contributor Holly Johnson. A few months ago, I wrote about how we dug ourselves out of debt. Once we cut our expenses and stopped living beyond our means, it didn’t take long to make significant progress against the tens of thousands of dollars we owed. And after a few years of struggle and sacrifice, we finally paid everything off. […]

Best Money Tips: Secrets to Saving Money at

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on saving money at, the best items to buy now, and how to get the best hotel deals. Top 5 Articles 13 Secrets to Saving Money At — To save money at, buy used items and discounted gift cards. […]

How to Refinance Your Mortgage

When you refinance a loan you replace it with a new loan that, hopefully, has better terms and a lower interest rate. Savings could be substantial, depending on the size of the loan and the interest rate change. […]