Want to Buy a Home With No Money Down? Try a USDA Loan

Given the credit crunch and real estate free-fall of the last two years, a no-down-payment mortgage sounds anachronistic, if not downright unbelievable. But the fact is that thousands of Americans can still purchase a home with no money down, and they don't have to be veterans or military members. The U.S. […]

Reader Mailbag: Sad Child

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. Spouse with large savings 2. Split payment offer 3. Late taxes and debts 4. Elizabeth Warren 5. Timing of Roth IRA contributions 6. Funeral budgeting 7. Orange Loan from ING 8. Escrow account question 9. Loose change 10. […]

5 Multipurpose iPhone 4 Cases Fit for a Freelancer

If there was a T-shirt that said “I bought an iPhone 4 and all I got was this stupid bumper,” I’d wear it. Seriously, I hate the thing (the bumper, not the iPhone; I can't live without the latter). […]

Tax Tips When Looking for Work is Your Job

About the author: This is a guest article written by Leigh Mutert, CPA. Leigh is the manager of the H&R Block Get it Right Community, a blog that focuses on breaking down complex topics for taxpayers, and the manager of social media, corporate relations for H&R Block. […]

Stock Markets Love Inflation and Wars Ending

I saw this post by Joshua Brown on CSMonitor last week about his favorite chart. It’s a chart that shows how there’s generally a period of inflation after periods of war and the inflation, if held in check, helps boost the stock market. […]

Which Status Symbols Piss You Off the Most?

I hate to admit it, but I can be a real judgmental prick sometimes. Since starting this blog eons ago, my general personal finance philosophy has been this: If you can really afford it, spend it. But there are those moments where I’ll just cringe and think to myself: “God, what an ass.” My first encounter with status symbol was many years ago, back in elementary school. […]

An 11-Year-Old’s First Budget

This is a guest post from Andrea Deckard, who publishes Savings Lifestyle, a website that helps people save on what they need so they can spend on what they want. Growing up, my parents taught me very little about financial responsibility. It wasn’t until college, when my parents expected me to pay my own car insurance, that I was forced to learn the basics of budgeting. […]

Why I Bought More Life Insurance

Do yourself a favor and re-evaluate your life insurance needs every few years, or whenever there have been significant changes in your personal situation. You’ll sleep better at night, and so will your family. I just updated my financial plan and realized that I need more life insurance. […]

How to Get Back Tax Dollars You Paid Years Before

The following is an excerpt from Julian Block's Tax Tips for Marriage and Divorce: Savvy Ways for Couples to Trim Their Taxes. Everyone makes mistakes. That’s why pencils have erasers. […]

Get A Free Loan Payment From Prosper: One Day Only (Offer)

The Prosper One Day Offer is back! Here’s a great opportunity for those looking for a loan! Prosper.com, the well known peer to peer lending network, has a one day special offer for those who are looking to take out a personal loan. […]

Wise Bread hit the nail with organizing the finances

It’s not too often that I read an article and nod my head up and down throughout the whole thing because it makes that much sense.  Wise Bread writer Craig Ford has six tips for organizing finances that are completely spot-on: Reduce your total number of financial accounts. […]

Are You A 99er? How To Get Low Income Help & Unemployment Assistance

I recently read a sad story of an older guy (very close to retirement age) with medical problems, no family and friends and no job. Having no job has left him with no means to support himself. So he’s sick, disabled, poverty-stricken and desperate. So what does he do? He decides it may be time [...]Are You A 99er? How To Get Low Income Help & Unemployment Assistance […]

Join Our Tweetchat on Thu 2/17, 12pm Pacific for Chance to Win Prizes

Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win prizes! Use #WBChat to participate. This week's topic: Frugal home renovation tips. Renovating your home can be very expensive. But if done correctly, it can add tremendous value to your home. […]

The Truth About Tax Deductions

This is a guest post from GRS reader Greg Braun, a Certified Public Accountant from Nampa, Idaho. Nobody likes to pay taxes. And I think we all get a little kick out of finding ways to save on our tax bill. We smile when we find a deduction we’d been missing. Maybe we think it’s a great deal because we’re sticking it to the man. […]

Finances of the Average American

The Digerati Life has an infographic that details the finances of the Average American family. […]

Some Further Thoughts on Children and Piggy Banks

As I’ve mentioned a few times on The Simple Dollar, we use piggy banks and allowances with our young children in our home. We have a few simple rules that go along with this, mostly allowing them to freely spend part of their allowance while they save another part of their allowance for longer-term goals (and our oldest has a few other restrictions as well). […]

Lending Club Increases Maximum Loan Amount

According to a recent press release, Lending Club has increased the upper limit on loan requests from $25,000 to $35,000. According to Lending Club CEO Renaud Laplanche, this change was “prompted by customer demand.” This is the second major change in their lending policy over the past year or so. […]

Married Filing Jointly & Married Filing Separately (Filing Status)

This is part two of our filing status “series” (it’s really just two articles) and in this part we’ll take a look at the two “married” filing statuses – married filing jointly and married filing separately. As we mentioned earlier today, you filing status as of December 31st will basically determine which filing statuses you’ll be able to choose from. […]