Playing the “What If?” Game

The “what if?” game is a scary game to play, but it’s an important one. What if I lose my job? What if I get seriously ill? What if I pass away suddenly? What if one of my children has a condition that requires constant care? What if my spouse suddenly passes away? There was a time not too long ago in my life where I dreaded the “what if?” game. […]

The Case for the Mileage Based Credit Card

The following is a guest post by Craig Ford. He writes at Help me Travel Cheap where he teaches newbies how to turn credit card rewards into free travel. If after reading this post you're interested in points-based cards, there are two currently that are offering over $1,400 in bonuses combined. You can find details on them here. I have a prediction to make. […]

How Extra Pounds Cost You

Remember way back in January when you made that resolution to get serious about losing weight? You said, “this is the year that I actually do it and quit talking about it.” How’s it going so far? […]

If You Have to Think About If You Can Afford It, You Can’t

Take a moment and think back to the last time you picked up a coffee on your way to work or stood in front of a vending machine deciding on a snack. Were you asking yourself if you could afford this purchase? Of course not. […]

Kids & Money: Online Games Make Learning about Money Fun

If your kids are anything like my son, the minute you start telling them about the importance of saving, and careful spending, they start to shut down. […]

Boost Your Human Capital: Public Speaking

Your personal human capital is an essential part of evaluating your overall worth. Human capital has a number of definitions, but in this case, it refers to a measurement of who you are, particularly in relation to how you might be seen as valuable to an employer or a client. […]

Help a Reader: Wedding or Justice of the Peace

Here's an email I recently received from a reader: A friend of mine turned me on to your blog, and after reading around, I thought I would ask a question I've been grappling with. My boyfriend and I just got engaged! We want to get married in the spring of 2013 here in the Austin, TX area where we live, work and play. We did a lot of research on wedding venues and associated wedding costs. […]

The Secret Ingredient to Financial and Career Success

There actually is a single secret ingredient to financial success. It’s extremely similar to the secret ingredient for career success, too. Yet so many people overlook it or, even worse, look down upon it. The secret is hard work. I’ll give you a few examples of what I’m talking about. I’ll start off with someone you might not expect: Kim Kardashian. […]

Beating the Single-Shopper Penalty

This post is from GRS staff writer Donna Freedman. Donna writes a personal finance column for MSN Money, and writes about frugality and intentional living at Surviving And Thriving. Single and/or living in a small space? Bet you’re good and sick of the Song of the Palletizers – that self-satisfied croon from folks who belong to warehouse clubs. […]

Six Ways to Save on Transportation

Every family would like a little more money in the piggy bank at the end of the month, but sometimes it seems like trimming expenses is too painful or too much of a hassle. Well, here are six painless ways to save a few bucks on your transportation budget — and those few bucks can really add up by the end of the month! 1. […]

Under-reporting Personal Household Debt

If you want to know how much credit card debt Americans have, don’t ask the borrowers. For years, economists have sought debt data from both borrowers and lenders for credit card debt and four other debt categories. Borrowers report their debt balances by responding to household surveys, like the Survey of Consumer Finances. Lenders report debt to the credit reporting bureaus such as Equifax. […]

2010-2011 Best Value Home Renovation Projects

I’m not big on remodeling but every year I like to take a quick peek at Remodeling Magazine’s list of best value home renovation projects. Even in these terrible market conditions for homes, it’s important to understand what’s valuable and what’s not when it comes to a renovation. […]

Ask the Readers: Will You Buy a Halloween Costume this Year?

Halloween is right around the corner! The time is upon us to stock up on candy for the trick-or-treaters, decorate the house, and get our Halloween costumes ready. While many people opt to go to the local Halloween costume shop to secure the perfect costume, others prefer to make their own costumes to save money. Will you buy a Halloween costume this year? […]

Deciding What You Want Out of Retirement

My father is counting the days. After about four decades of mostly back-breaking work, he’s set to retire this winter. Just typing that makes me feel old, so I can imagine how my father feels, at least in part. I know he’s excited for the change, but there’s some trepidation there, too. […]

25 Ways to Entertain Your Child for Free or Cheap

Parenting is hard work. Keeping little ones (with little attention spans) occupied is often half the battle. It doesn't take long before children run to their parents looking for things to do. If you aren't careful, keeping kids busy can put a major dent in the pocket book. Having a go-to list of frugal ideas to keep your kids entertained is key. […]

Best Money Tips: Tips for a Cheaper Winter

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on tips for a cheaper winter, products to not buy generic, and how to pick the best job. Top 5 Articles The 5 Best Tips for a Cheaper Winter — Save money this winter by using a programmable thermostat. [Mainstreet] 7 Products To Not Buy Generic — When purchasing dog food, don't opt for generic brands. […]

Should Conforming Loan Limits Be Increased?

On October 1st, 2011, the conforming loan limit for loans backed by the FHA, Fannie Mae, and Freddie Mac fell back down to the levels they were at before 2008. Less than a month later, the Senate has passed an extension of the law that raised those limits. Now the bill is going to the House for approval. Here is how it may affect you. […]

My Credit Union Hosed Me

A reader left the following comment on the post where I gave an update on my credit union: Within months, they will drop the rate at least 1%. It's the MO these days for all banks and CU's. […]

HARP all you want: LTV cap removed

The Federal Housing Finance Agency (FHFA), with the Federal National Mortgage Association (“Fannie Mae”) and the (Federal Home Loan Mortgage Corporation) (“Freddie Mac”), today announced a number of changes to the Home Affordable Refinance Program (HARP) designed to increase the number of borrowers eligible for refinancing at-risk home mortgages. One of the big deals of this new initiative is the […]