Putting First Things First

The morning is my time. Five days a week, I’m up at 5:30. I come downstairs, sip a diet soda or a cup of tea (lapsang souchong), and spend a few minutes checking e-mail and approving comments. By 5:45, I’m in my gym clothes and out the door. I walk through the quiet streets of my neighborhood, greeting the birds and the cats and the dogs. I admire the flowers. […]

Saving For A Car

I drive a 2001 Honda Accord.  It’s a great little car.  Right now, it has a little over 175,000 miles on it.  Sooner or later (let’s hope, later) I’m going to need to buy a newer automobile.  Here’s my process for saving for a car – or any other major purchase. 1.  Using the super-handy You Need a Budget software, I create a budget category labeled: Automobile Replacement. 2.  I estimate the numbe […]

Tips for Shopping at Estate Sales

I’m sure that as frugal shoppers, many of you enjoy thrifting and shopping at flea markets as much as I do. It is such a rush when you get a great deal on something that someone else doesn’t want, but you recognize as the treasure that it is. […]

Wise Bread's First Job Stories

From high-schoolers getting their first summer jobs to recent college graduates starting their first "career" positions, early summer is a big time for new jobs. We here at Wise Bread have told you about some of our worst jobs, but we haven't necessarily told you about our first ones — those scrappy, minimum-wage gigs where we made as many (if not more) errors than good moves. […]

More Tips for Saving Money on Vacation Travel

As a quick followup to Ed’s recent post about how to save money on vacation, I wanted to point out an article from Fiscal Fizzle that lists even more ways to save on vacation. Research ahead of time for low-cost things to do Consider the cost of travel when selecting destinations Use cash for your spending money Book a place with kitchen facilities Drive whenever possible Plan repeat visits Build […]

Best Money Tips: Side Business Ideas You Can Start Today

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on side business ideas you can start today, money lessons every college grad needs to know, and tips to haggling your ideal mortgage. Top 5 Articles 17 Side Business Ideas You Can Start Today — Start making extra money today by becoming a personal assistant to seniors. […]

5 Great Beer Apps to Kick-Start Your Summer

The start of summer is almost here, and you know what that means — all you’re thinking about is ice-cold beer. Whether you’re at the beach, near a bar, or in your own backyard, these five apps let you sit back, relax, and sip your way to satisfaction. (See also: 21 Great Uses for Beer) 1. […]

Giving to Charity with a Credit Card

MoneyTalksNews brings up a good point when it comes to donating to charity using a credit card: How would you feel if you learned that when you donate $100 to a charity, you’re adding only $97 to the charity’s coffers, while making some nameless bank $3 richer?That’s probably what’s happening if you donate by credit card – something that’s becoming increasing popular as charities join the rest […]

How To Manage A DRIP & Individual Stock Portfolio

Every so often, around once or twice a year, you should take a look at your investment portfolio to make sure you’re happy with its performance and composition. When you started investing, you picked specific companies for certain reasons. […]

Review: The Rules of Money

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

Podcast 112: Megan Wurm, Money Matters Ambassador

Today’s guest on the Consumerism Commentary Podcast is Megan Wurm, the 2011 teen ambassador for the Money Matters: Make it Count program operated by the Schwab Foundation and the Boys & Girls Clubs of America. Flexo joins Bryan on this follow-up to Episode 100, when Carrie Schwab-Pomerantz introduced us to the program which Megan won, granting her a $5,000 scholarship for college. […]

A Little More Than the Minimum

Carolyn writes in: For the longest time, I’ve been making larger than minimum payments on all of my debts. I got the idea from Suze Orman because she said that if you just make minimum payments, you’ll never get rid of debt. I have two credit cards and a student loan. […]

Reader Story: The Costs and Savings of Bicycle Commuting

This guest post from Duran Valdez 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. For the past two years, I’ve been riding a bicycle to work. Mostly because I’m cheap. […]

Common Sayings from the Bible

For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why. FYI, this post has very little to do with personal finance (other than one or two of the verses below pertaining to it.) But I've been thinking lately of how many common phrases we get from the Bible (I'm regularly running into "sayings" from the Bible that we all know/use on a regular basis.). […]

Couples & Money: How Financial Views Affect Relationships

According to marriage counselors, many divorces are caused by financial disagreements between the husband and the wife. You would think that opposing traits on handling money would cause the most problems. […]

The Center

When I first got started with personal finance, I began by cutting away at my spending. First, I trimmed away the obvious things – buying too many books and video games, for one. […]

Ten Pieces of Inspiration #23

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. 1. Self-Reliance by Ralph Waldo Emerson I re-read Emerson’s wonderful classic essay Self-Reliance again this week, and again I found it digging deep into my soul. […]

World Domination and the Pursuit of Happiness

My friend Chris Guillebeau never rests. Over the past few years, he’s written a best-selling book, visited every U.S. […]

Little Expenses Can Add Up

Here's a piece from Yahoo that says little expenses can add up. They took six expenses that many people face and set a value of them (or foregoing them, specifically) if the person had instead saved the money and invested it at 8%. […]

Merchants could take it on the chin for using Groupon. Should you care?

This post yesterday on TechCrunch highlights the story of Posies Bakery and Cafe in Portland, Oregon, after running a Groupon campaign last year.  Her shop’s aggressive deal campaign ($13 worth of merchandise for $6) set her back $8,000 and caused her to need to withdraw from savings to make payroll and rent.  She calls it “… the single worst decision [she has] ever made as a business owner thus f […]