Could You Survive at the Poverty Line?

This guest article is written by YFS, owner and author of Your Finances Simplified. YFS was born and raised in west Philadelphia and is now a financial adviser, IT contractor, landlord, and treasurer of a non-profit. If you and your family of four received an annual income of $22,350, could you survive? You would be living at the 2011 poverty line for the 48 contiguous states. […]

Get to the Polaris Point

If you’re among the fortunate few, you not only have a job you love, but one that will earn you at least a decent living over a sustained period of time. For all too many Americans, however, that’s a pipedream. Many of them toil away at jobs they detest, but that pay the bills. […]

Six Steps to Winterizing Your Home

US News lists six steps to winterizing your home as follows: Reverse ceiling fan rotation. Inspect your furnace. Insulate water pipes. Seal cracks in windows, doors, and ducts. Store summer tools and prep winter ones. […]

Reader Mailbag: Book Suggestions

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. Investing in tax liens 2. How much for housing? 3. Stuck in a rut 4. Choosing an investment house 5. Turning the economy around 6. Investing for youths 7. Reactivating old card 8. Auto loan credit question 9. […]

5 Free Ways to De-Stress

This post is from staff writer April Dykman. I’ve started to notice something about my spending habits, and maybe you can relate. When I’m sad, stressed, or emotional, I often justify expenses by telling myself “I deserve it.” Before I wised up financially, my self-rewards were expensive. Spa services, new clothes, beauty products I didn’t want or need. […]

PayPal Makes Accepting Charity Difficult

Around the holidays, for-profit companies see an opportunity to do something charitable, even though they’re not technically registered non-profit organizations. The concept reminds me of college. I was in my university’s marching band, and we frequently traveled as a group to performances. […]

PSA: Scan Your Important Documents

On a recent trip to Las Vegas, one of my friends lost their wallet. Normally, a lost wallet is just an inconvenience. You make a few phone calls to cancel your credit and ATM cards, you mentally prepare yourself for a trip to the DMV to get a new driver’s license, and you curse your particular mix of misfortune and carelessness. […]

Your Finances: 4 Emotional Decisions to Avoid

Personal finance concepts are generally straightforward and simple, but some people struggle with building a solid financial foundation when emotions get involved. Here are four ways people often act emotionally instead of logically that you should watch out for. […]

20 Gifts for the Guy Who Has Everything

Some guys are notoriously difficult to shop for. I’m sure you have one of these guys in your life. He almost never WANTS anything. And when he does want something, he is so picky that you’re afraid you’ll buy the wrong thing. Or he’s already got so many gadgets and toys that finding something new that he’ll like is a challenge to your creativity. So what do you get for the guy who has everything? […]

Best Money Tips: Steps to Being Happy

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on steps to being happy, avoiding December debt, and strategies to maximize credit card rewards. Top 5 Articles 8 Steps to Being Happy Without Spending a Dime — Be happy without spending a dime by surrounding yourself with positivity. […]

How Much Should You Spend on Auto Insurance?

If you think you spend too much on auto insurance, you aren’t alone. Virtually all of us have felt this way before. Yet our feelings are typically directed at insurance company greed (“they charge me too much!”) rather than ourselves. This is ironic, because insurance companies are some of the most transparent, numbers-based businesses of all. […]

Being Beautiful Can Earn You a Fortune

I've talked about how we all can make more money by being attractive. Now here's an infographic that puts some numbers to the fact that being beautiful pays off. […]

Dividend Investing is Not the Perfect Solution for Yield

The following is a guest post from Barbara Friedberg, MBA, MS, editor-in-chief of Barbara Friedberg Personal Finance, where she writes to show you how to build wealth.This current low interest rate environment has created a lack of opportunities for investors looking for yield. […]

Developing Self-Control and Perseverance

Laurie writes in: My main observation though is the constant path of self control and perseverance you seem to follow. I commend you highly for being able to do this. […]

Five Personal Finance Apps to Try for 2012

Everybody from the government (how ironic) to personal finance experts are telling us that we need to manage our money better and that’s good advice but managing money requires us to use something that we’re a little low on: Time. […]

Year End Reminder: Donate to Charity

The year is quickly coming to a close, and the first priority for many people right now is getting through the holidays with as little stress as possible. […]

US Postal Service Cutbacks – What They Mean to You

In case you haven’t heard, the US Postal Service has announced major cost-cutting measures that will negatively impact the quality (or at least speed) of their service. We’ve talked about this before, but USPS is hurting. Badly. In fact, they’re currently projected to lose over $14B next year, up from $8.5B in 2010. […]

Christmas Budgeting & Holiday Shopping Trends (Infographic)

Do you worry about money this time of year? How do we deal with Christmas consumerism? There’s such a thing as holiday stress, which may be partly triggered by spending pressures. How many of us anticipate that our budgets will be under siege? It’s actually what the whole retail industry is banking on. […]

12 Handmade Gift Ideas for a Personal Christmas

Some of the most thoughtful gifts are handmade. You can personalize them, and the recipients can tell that you have put some real effort and consideration into them. Additionally, handmade gifts are also relatively inexpensive. […]