Five Common 401k Mistakes

The Wall Street Journal lists five common 401k mistakes as follows: Mistake No. 1: Thinking the most important decision is how you invest your money. Your first priority should be determining how much you need to save—and figuring out how to make that happen. Mistake No. 2: Investing only enough to get the company match. […]

How to Raise Financially Savvy Kids

Children are often not adequately prepared for a financially savvy adult life. Between a lack of formal education and bad habits at home, kids can often be set up to make some costly mistakes once they set out on their own. […]

Making It All Work – Getting Perspective at Ten Thousand Feet: Projects

This is the thirteenth entry in a twenty part series discussing the wonderful time and priority management book Making It All Work by David Allen. […]

Best Money Tips: How to Stay Focused

Welcome to Wise Bread's Best Money Tips roundup! Today, we share effective ways to stay focused, a technique to help you move a home-baked pie, and tips to help you deal with a mouse problem humanely. Top 5 Articles 4 Ways to Stay Focused As You Get Older — Do only one thing at time. […]

What is Price Targeting and How Does it Affect You?

Have you been paying more than you could probably get away with? Do you know that not everyone pays the same price for the same service that you received? How can you find the best deal for what you buy? Price targeting is a tool that sellers often use, but if you’re aware of how it works, you can often get a better deal. […]

Electronic Cigarettes Might Just Be Ideal

This is an article by Consumerism Commentary staff writer, Smithee.This article assumes that some people smoke and some people don’t. […]

Would You Buy Off the Back of a Truck?

Have you ever bought something off the back of a truck? I have. In retrospect, it wasn't always the brightest move. While you can get some great deals, you may also be getting involved in a shady transaction — or worse. Here are some examples of "back of the truck" sales I've entertained or decided to pass on. […]

Seven Ways to Earn Extra Holiday Spending Cash

As the holidays approach during these cash strapped times, you might be wondering how you can earn a little extra cash this holiday season to help pay for gifts (or maybe that vacation to someplace warmer!). […]

Buying Individual Dental Insurance Online: My Experience

My spouse changed jobs earlier this year, and with that came new insurance. I would have to pay 100% to be included on her dental plan, so I did some shopping around to find my own individual dental insurance. First I called my dentist to find out what they would charge me for a regular cleaning visit: $115. […]

The Best Cheap Winter Workout Spots

Winter’s about here, and you might be finding yourself in less-than-stellar shape. Have no fear: There are a few inexpensive and easy-to-reach workout spots nearby, so you can get fit fast. Community Centers Cheap and as close as down the street, community centers are perfect for drop-ins. […]

Back to Basics

“You know, you’ve been spending a lot of money lately,” Kris told me the other day. I’d just returned from yet another shopping trip to REI. “I have?” I asked. “Yes,” she said. “Can’t you tell?” Actually, I guess I can. […]

What Does "Lowest Prices of the Season" Mean?

Does anyone know what "lowest prices of the season" means? What season are they talking about? And will the prices get lower "next" season (or next week)? And just how low are the prices? I'm referring to the ubiquitous phrase being used by many companies for the last year or two. […]

Ask the Readers: How Would You Balance America's Budget?

The New York Times recently released an interactive game that puts you in charge of balancing our nation's budget. While not everyone will agree with all the assumptions made by the Times, this game is an interesting starting point for discussion. How would you balance America's budget? What items would you cut? Would you raise taxes? […]

Bankruptcy & Going Broke In The U.S.A. (Infographic)

This guest post was brought to you by NerdWallet.com, a premier credit card review site. Times used to be such that anyone could file for bankruptcy when they wanted to screw over their creditors. If you found yourself over your skis, you could just file for Chapter 7 and start all over. […]

Thoughts on the "New" Way to Go to College

A few weeks ago I did a series of posts on the book Debt-Free U: How I Paid for an Outstanding College Education Without Loans, Scholarships, or Mooching off My Parents. If you know (or are) a student who is preparing for college, MAKE them read this book (or have their parents read it). It will change the way many of them think about college. […]

When the Bank of Mom and Dad Closes Up Shop

Recently, I had a long email exchange with a reader who asked me not to reprint her story, but gave me permission to discuss it in general terms (I showed her this post and she approved it). This reader – let’s call her Annie – is 38 years old. For almost all of her adult life, she had been a stay-at-home mom while her husband tried to start several businesses, failing each time. […]

Saving for Retirement Is Cheap!

A few years ago, when the economy was great, most of the people who didn’t save for retirement usually didn’t think about it. It’s difficult to think of the far future on a regular day, it’s even tougher to think about it when it’s sunny, beautiful, and there isn’t a cloud in the sky. […]

Night Owls Are More Intelligent Than Morning Birds

If I have to define myself by my productivity tendency based on the time of day, I would have to say I am not a morning person.I imagine my mother is nodding in agreement as she reads this article, as I didn’t make life easy for her while I was a teenager. Though I enjoyed school for the most part, I was not at my peak in the morning. […]

401(k), 403(b), and 457(b) Contribution Limits for 2011

It’s that time of year again… Time to start thinking about retirement plan contributions for next year. With that in mind, I wanted to point out that 401(k) contribution limits will not be changing from their 2010 levels. This means that individuals under the age of 50 will be able to contribute up to $16,500 to their 401(k) during 2011. […]

Is Now the Time to Ask for a Raise?

Here's a piece from CNBC that says during a bad economy is one of the best times to ask for a raise. Their thoughts: A lot of people are taking on more responsibilities because companies have laid off people. Taking on more responsibility makes a person more valuable to the organization. […]