7 Business Lessons I Learned the Hard Way

When I started my own copywriting and creative consulting business two years ago, I wasn't prepared for all the stress that came with it. Naively, I thought I could name the business, create marketing materials (like a website and business cards), and start working. Not so much. There were several hurdles that I had to jump to get the business up and running, and I'm still encountering hurdles to […]

10 Things Your Parents Won't Tell You

Smart Money lists 10 things your parents won't tell you. Here are the ones that intrigued me the most: 1) "We're rich."Surprise inheritances aren't uncommon. In a recent U.S. Trust study, 52% of parents with assets of $3 million or more said they haven't told their children just how wealthy they are, and another 15% haven't even said told them that they're well off. Why are they withholding? […]

Keep your house from going up in flames — and reduce your electric bill

Our clothes dryer had been not doing its job for the past few months.  It would take a couple of cycles to get the clothes passably dry.  It wasn’t like this when we first bought the dryer. We checked the parts we could see first.  We were regularly cleaning out the lint trap.  The heat was definitely working; it was piping hot in the drying compartment.  The ducting was connected. After digging a […]

Warren Buffett Doesn’t Want to Be Coddled

Warren Buffett is staying in the news. I wrote recently about his desire to continue investing in stocks during market volatility, and today he published an opinion piece in the New York Times. He laid out the facts about how income is generally taxed. […]

Saving Pennies or Dollars? Unplugging the Microwave

Saving Pennies or Dollars is a new semi-regular series on The Simple Dollar, inspired by a great discussion on The Simple Dollar’s Facebook page concerning frugal tactics that might not really save that much money. […]

What Not to Keep in Your Wallet or Purse

Yahoo lists ten things not to keep in your wallet or purse as follows: Social Security Card Your Passport Passwords/Pass codes A Non-Password Protected Phone Your Checkbook Too Many Credit Cards Too Much Cash Gift Cards/Certificates Jewelry or USB Devices Receipts Here's what we do (between my wife and me): Social Security Card and Passport - Seriously? […]

5 Middle Class Tax Breaks

I have heard a ton about tax breaks for the wealthy over the last two years. I have also heard a few things about tax breaks for the poor but didn’t know any details. I seldom heard about tax breaks for middle class individuals though. I thought I could do us all a favor and write about tax breaks I saw mentioned at Kiplinger. […]

Time to Refinance Your Mortgage?

If you’re in a position to refinance your mortgage and haven’t done so already, now’s a great time to lock in a very low rate. And even if you have refinanced, it might make sense to refinance again. You’ve likely heard about the “historically low” mortgage rates over the past few years, but 15-year fixed rate mortgages dipped to an all-time low of 3.50% last week. […]

Nominate Your Favorite Blogs and Products for the Plutus Awards

I don’t normally like to interrupt the stream of personal finance articles with something that’s more related to the website than it is to money, but this is an important message that can help support the entire community of blogs that focus on writing about personal finance. […]

Warren Buffett’s NYT Op Ed on Coddling Super-Rich

Warren Buffett wrote an op-ed for the New York Times today that has garnered, understandably, a lot of attention. […]

Applying for Jobs You're Not Qualified For

US News lists five job search habits to break. One of the items on their list is as follows: 3. Applying for jobs you’re not qualified forWhile you should work toward attaining your dream job, that dream also needs to be realistic in terms of skills, qualifications, and experience. […]

Reducing Your Risk of Costly Car Repairs

After sinking nearly $600 into new front and rear brakes and four brand new tires, I thought that it might be in my best interest to learn a little something about car maintenance. As a woman, I haven’t been inclined to keep up with my automobile like I should. To be quite honest, other than filling the tank, I don’t know a thing about how it runs. […]

The Best of Money Carnival

The Best of Money Carnival is now up. Congrats to all participants and especially the winning post, The science of building a diversified investment plan.Enjoy! […]

Reader Mailbag: Reading and Blurbing

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. Recovering from abysmal credit 2. Handling debt collection 3. Preparing for a layoff 4. Starting with web design 5. Repaying loans now or later 6. Deciding whether to become contractor 7. Getting started with GTD 8. […]

How To Manage Your Time As A Busy Entrepreneur

Many online entrepreneurs such as myself are spurred to try their luck in the world of business due to a desire to be independent (in more ways than one, risks be damned). Here’s what I figured — if you are finding yourself with a lot of experience and a little over the hill as compared [...]How To Manage Your Time As A Busy Entrepreneur Copyright 2011 TheDigeratiLife.com All rights reserved. […]

Extreme Couponing: Woman Arrested for Stealing Newspapers

I’ve spoken out against the concept of “extreme couponing” a few times already. In search of ratings, television shows — and in particular, “reality” television shows, use creative editing to make practitioners seem crazier than they are, but the concept has caught on so well, some people, in real reality, stop at very little in order to save some money. […]

How to Donate a Car

We listen to a lot of NPR (WAMU) and every so often we’ll hear a pitch to donate our “used vehicle, RV, boat or airplane.” We considered donating our private jet, seeing as how they’ve fallen out of favor ever since the auto company CEOs used theirs to a Congressional hearing, but just haven’t pulled the trigger yet. One thing we have done, though this predates our appreciation of NPR by several y […]

10 Easy Ways to Lower Your Electric Bill

This post is from staff writer April Dykman. I don’t know what the weather is like where you live, but here in Austin, Texas, the heat and drought are the topic of 85% of conversations (that’s science). As a native Texan, I usually roll my eyes when people lament about the heat. One of my friends summed it up nicely: “I’m tired of hearing people talk about the weather. […]

What Do You Do When Negotiations Stall?

There's no higher high than scoring a great deal through the time-honored art of negotiation. Other times, an intense round of haggling can leave you feeling like you've been strained through a rusty colander and left to bake in the sun. […]

Stay in School until the Job Market Improves?

For decades it's been a common strategy that's worked out pretty well: If the job market is crappy when you graduate, find a way to stay in school for a year or two—add a second major, go to grad school, find a post-doc. This time, that's not looking like such a good idea. […]