Eliminate expenses that have no relevance anymore

Getting a bolstered emergency fund is a great idea now.  (It usually is, but now especially.)  One way to get to a decent cushion is to spend less so that the extra can go into savings. Many kinds of expenses can be cut, but the easiest ones to eliminate are ones that you probably won’t miss anyway.  Expenses like the following: Seasonal expenses. […]

What Is a “Value-Added Tax,” Anyway?

By Marla Walters I’m sure many of you have already heard of a value-added tax, or VAT. Some of you may even be, or have been, subject to it (around 130 countries currently utilize this type of tax). It appears to be an idea that is being kicked around by some U.S. elected officials. Why is it even being discussed? This idea came up during the Clinton administration, but failed to gain favor. […]

Never Eat Alone: Welcome to the Connected Age

This is the sixteenth of sixteen parts of a “book club” reading and discussion of Keith Ferrazzi and Tahl Raz’s Never Eat Alone, where this book on building a lifelong community of colleagues, contacts, friends, and mentors is teased apart and looked at in detail. […]

How College Students Can Manage Their Future Career

This is a guest post from the Studenomist of Studenomics, a place for college students to prepare for the life ahead when it comes to money and career, without any of the boring stuff. It happens to almost all 20 somethings. […]

Best Debt Consolidation Loans For Those With Good Credit

If you’re looking to save money on your existing debt by considering a debt consolidation loan, there are a few things to keep in mind. I had a friend approach me once, asking whether she should refinance or try debt consolidation in order to “package” her loans better. […]

Friday Fiscals: Tearing up the carpet

We’re ditching our wall-to-wall carpet in much of our house in favor of some laminate flooring.  Our dogs don’t quite know what to do with the new hard surfaces. Anyway, some links of interest for you: Wise Bread serves up a guest post on seventeen resources for improving your small business. Five Cent Nickel writer Matt Jabs discusses financial peace through planning. Generation X Finance runs d […]

Memories Are Made of This

A little over a year ago, I began trying a new idea in my personal journal. Each day, I wrote down the five best things that happened to me that day. I started this as a way to reflect on the positive things in my life and, psychologically, it’s been a very positive thing. I can browse through those lists and realize how good my life is, even when times feel kind of tough. […]

From the Ugh Files

Here are some stats I found recently that give us a lot of bad news on how people are managing their money. The highlights (or lowlights if you prefer): 61 percent of workers report they always or usually live paycheck to paycheck to make ends meet. […]

Net Neutrality Simplified

Depending on how you get your news, the topic of network neutrality can seem boring, or confusing, or both. Possibly you haven’t yet heard about it, or you’ve already formed an opinion. The reports I see are too often complicated, lacking reasoned arguments and full of hyperbolic guesses as to what the future might hold. […]

How to Get Laid Off: A Step-By-Step Guide

By Paul Michael It seems ironic in this economy, and with a high unemployment rate, that anyone would want advice about getting kicked from a job. But last week a question was posed to me, and it was genuine — “How do I get laid off?” When I dug below the surface of the question, I realized that the person in question was just done with the job (like this), but didn’t want to quit outright. […]

Best Deals For Friday 10/23/09

By Paul Michael Today's WISEBUY. The Big Bad Friday Amazon Sale. Yeah! Back again with bargains galore. […]

Ask the Readers: Why Are YOU Saving for Retirement?

As I shared yesterday afternoon, although I believe National Save for Retirement Week is important, I find the topic dreadfully dull when stretched out for a week of blog posts. Lesson learned. Still, I don’t think all retirement discussions have to induce snores or tears. In fact, when you think about it, retirement — especially early retirement — ought to be something to celebrate. […]

Friday Finance Findings for October 23rd

Did you know that this week is National Save for Retirement Week? I actually didn’t find out until Monday. If I had known earlier I would have liked to have done a series of retirement posts this week. Oh well, I’ll just have to mark my calendar for next year. […]

Ethical Frugality Week: Serving Leftovers

Throughout this week, I’m posting a series of articles on the ethics of frugality. How far can you take things without crossing an ethical line or diving into seriously socially unacceptable waters? I’ll be recounting some of my own stories – and some stories from readers – along the way. “Jim” writes in: A married couple I’m friends with invited me over to dinner recently. […]

What is Simple Living and Why Should I Care?

By Sarah Winfrey Even with predictions that our economy is turning around, the current financial climate isn't exactly what most people would call "good." In fact, for some of us, it's downright rotten. […]

10 Ways to Make Money for the MySpace Generation

By Bob Lotich I still remember my dial-up internet connection, paying for AOL by the hour, and waiting 45 minutes for a 1MB file to finish downloading. I can recall thinking that it was all fun to play with, but I didn't see the big picture of how the internet would so drastically change the world that we live in. Now, the Myspace generation is growing up, and they have known nothing else! […]

Safe Withdrawal Rates, Investment Returns, and the Importance of Minimizing Your Expenses

The topic of safe withdrawal rates is critically important to retirees. Earlier this week we talked about retirement withdrawal strategies, but that was a discussion of how to access your money rather than how much money you can safely distribute per year. What’s a “safe” withdrawal rate? While there are no easy answers, the stakes couldn’t be higher. […]

Your Take: Married Women Outearning Husbands

An MSNBC article this week discussed how women are increasingly earning more than their husbands. Twenty years ago, 17.8% of women outearned their husbands. In 2007, 25.9% outearned their husbands if they both worked and 33.5% of married women outearned their husbands period. […]

Anyone Use Restaurant.com?

Here's a Sound Mind Investing review of Restaurant.com, the website where you buy discounted gift certificates to restaurants in your area. Their main conclusion is that the standard offers at Restaurant.com can save you a decent amount of money and the special offers can save you a really good amount. […]

Star Money Articles and Carnivals for the Week of Oct 19

For weekday updates of what I find to be some of the most interesting personal finance articles on the web, follow me on Twitter. For now, here are some pieces I found especially worthwhile and some of the carnivals Free Money Finance was in this week and my posts that were included: EDITOR'S CHOICE! Carnival of Personal Finance - The 5 Stages of Investing Enlightenment  EDITOR'S CHOICE! […]