Too Broke to Buy Diapers?

A recent Wall Street Journal report suggested that tough times have brought parents to a new low — leaving tots in dirty diapers to save money. Well, maybe. The report noted a drop in diaper sales and an increase in use of diaper rash cream. It even quoted a doctor who was seeing more diaper rash cases. […]

Citi Dividend World MasterCard Categories for the Fourth Quarter

Sorry, I'm a bit late on this one. One of the cards on my list of the best cash back credit cards is the Citi® Dividend World MasterCard®. This card has 5% cash back on purchases in rotating quarterly categories (1% cash back on all other purchases). […]

Teddy Roosevelt on money, mottoes, and trust

Our church has been focusing on the topic of money in its sermons and study groups for the past several weeks.  Today’s sermon started out with some facts I hadn’t known before about the history of the motto that appears on all proper examples of today’s United States money. First, a very condensed history.  The phrase “In God We Trust” was first used on U.S. […]

Understanding A Loan Amortization Schedule: How To Calculate Mortgage Payments

Amortization means “to kill”. Follow the etymology far enough, and you end up with the Latin root of “mort”, meaning death. What are you killing? Your debt, of course. […]

Review: Choosing Simplicity

Every Sunday, The Simple Dollar reviews a personal finance or other book of interest. […]

8 Expert Tips for Building Effective Email Lists

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Podcast 129: Financial Blogger Conference, Betterment

Today’s Consumerism Commentary Podcast features two interviews. In the first segment, Tom Dziubek talks with Philip Taylor from PT Money: Personal Finance and Consumerism Commentary founder Flexo about this year’s Financial Blogger Conference. In the second segment, Tom speaks with Jon Stein, founder and CEO of the online investing service Betterment. […]

When Deals Become Less of a Bargain

A few months ago, I was reading an older personal finance article at the library which discussed a very specific method for getting tremendous deals at CVS (a pharmacy chain). All you had to do was follow a sequence of steps and you’d find yourself with piles of items for free! I decided to give this system a shot. […]

Reader Story: How to Buy a Car at Auction

This guest post from Jacq 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 from all levels of financial maturity and with all sorts of incomes. Woot! I just bought a new-to-me SUV at the local auto auction. […]

Where Religion and Business Mix

For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why. The Wall Street Journal says that there are times when religion and business SHOULD mix. In particular, they say it's vital for financial planners to understand their clients' religious perspectives so the planners can incorporate the clients' beliefs into appropriate financial plans. […]

Dreams, Big and Little

My youngest child has had an intestinal illness that’s lasted for several days now. It’s involved a lot of upkeep and maintenance and attention, including lots of clothes and diaper changes and baths and sessions spent in the rocking chair, gently rocking back and forth. One of the best parts of my own childhood was the constant understanding that my mother would be there for me if I were ill. […]

Ten Pieces of Inspiration #40

Each week, I highlight ten things each week that inspired me to greater financial, personal, and professional success. Hopefully, they will inspire you as well. I spent a lot of time looking at photos of autumn to help my kids with an art project. Several of them deeply impressed me with their artistry and capture of the season, so this edition is a bit heavy with those photographs. 1. […]

PerkStreet 2% Cash Back Debit Card: A Potential Replacement for the FIA Services (Schwab) Card

If you've been following Free Money Finance the past few months you know that the FIA Services (once called the Schwab card) 2% cash back credit card is dead (or at least will be at the end of the month.) Since I found this out, I have changed my credit card strategy (which I would have done anyway since my new plan is better) and am looking for a new 2% cash back card. […]

Dinner With My Family #34: Sandwich Pockets

Each week, I’ll present a low-cost meal (or a meal that demonstrates a lot of options for cutting costs) that my family eats for dinner and enjoys. […]

4 Ways to Treat Your Customers Like People

Link: ShareThisWhen someone called our vintage airplane ride company’s 800 number, and it was busy, the perky recorded voice (my wife’s) said, “All our lines are busy, but your call is very important to us. […]

Settle Your Worker Classification Problems with No Penalties

Link: ShareThisOne of the thorniest issues in taxes is determining whether a worker is an employee or independent contractor. The stakes are high for getting the answer right. […]

Be Financially Accountable: Keep A Financial Diary

In the corporate world, there’s such a thing called a “status report” that a department or group head will typically require each member of a team to write up on a regular basis. […]

Occupy Wall Street, the 99%, and All That

The Occupy Wall Street movement does not lack a unified message. What they're saying is perfectly clear to me. (See also: Peak Debt and Income) To understand Occupy Wall Street, start with the people who say "We are the 99 percent." (That link goes to a site with statements from people who aren't in the top 1% of wealth and income. […]

Anyone Want to Meet Me?

Here's an interesting opportunity: I have two tickets (free to you) to attend a fundraising dinner (you do not need to donate, I've already contributed for the table) this October 20 in downtown Nashville. The event begins at 7 pm (I believe) and is a dinner and then a show featuring Jeff Foxworthy. It's an event in support of Michael W. Smith's Rocketown, a positive urban hangout for teens. […]

Offering Your Services for Free

For anyone interested in starting a business, particularly in creative arts, is building up a reputation in the field. I mentioned that my goals for this year include doing two photography shoots each month. […]