Planning for My Financial Future

I’ve been fortunate over the past few years. I’ve managed to get out of debt, quit my day job to write full time, build substantial savings, and am now able to do what I want when I want. I still work hard, of course, but I do so on my own terms. I’m a lucky man. Next year, though, is going to be a year of changes. For one thing, my income might actually decrease. […]

9 Things to Buy in January

Did you overspend during the holidays, and vow to start the new year making smarter financial decisions? You're not alone, which is why you should break out the wallet again. […]

How to Retire During a Recession

If there’s any group more worried about the long-term effects of the recession than new grads, it’s the soon-to-retire. […]

Eight Signs You May Want to Quit Your Job

Fortune lists eight signs you may want to quit your job as follows: 1. Your values don't match those of your coworkers or higher-ups. 2. Your boss doesn't like you. 3. Your peers don't like you. 4. You don't get assignments that make the best use of your abilities.5. You always get stuck with the "grunt work" no one else wants. 6. You are excluded from meetings that your peers are invited to. […]

Is community-supported agriculture a bargain?

When it’s time to cut back on family expenditures, a prime place to start is with the food budget.  Once the “easy” savings are implemented — first by eating out a lot less, then by buying store brand or bulk, and then by preparing meals more from scratch — then it becomes more of challenge to cut further. One possible opportunity for further savings, especially if you enjoy fresh produce, is thro […]

Podcast 140: Kidworth

Today on the Consumerism Commentary Podcast, Tom Dziubek talks to Rudy DeFelice, founder of the financial management tool for children and parents, Kidworth. Rudy discusses several topics about Kidworth including what it does, what inspired him to found it, as well as how Kidworth can help children save towards different financial goals. […]

Merry Christmas!

Merry Christmas from my family to yours. Whether you’re celebrating Christmas today, celebrating another winter holiday with your family, or find this simply to be another day on your calendar, the best of wishes to you. Regular updating will resume tomorrow. In the meantime, I’d like to again share with you a poem that I shared a few weeks ago in the “Pieces of Inspiration” post. […]

Merry Christmas

Just wanted to wish all FMF readers a very Merry Christmas!!!! Hope you all have a great day celebrating!! […]

The Night That Mama Cried While Angels Sang

This is a guest-post from my cousin, Tammy. I first posted this in 2006. Tammy has also shared information on how to raise a family on one income (part two). This story is set ten years after my aunt’s six-dollar Christmas and involves the same family. It was the year 1968. That year was an exceptionally hard year in every way. Pop was laid off due to too much snow in the woods. He was a logger. […]

Dealing with Holiday Leftovers

If your family holidays are anything like mine, you’re left with piles of remnants: torn-up wrapping paper, empty boxes, and extra food litter the house. It might be tempting to throw it all away, but there’s a lot of value in those leftover items. Here are some of the things I’ve done with leftover Christmas items. Wrapping Paper 1. […]

Merry Christmas & Happy Holidays To You! A Christmas Album

If you’ve landed here, then it’s either Christmas or you’re looking for something “cute”. If so, then welcome! While I run a personal finance blog — you can read more about me here — I am also pretty merry most of the time, and keep up to date with the greetings. Allow me to greet [...]Merry Christmas & Happy Holidays To You! […]

Ten Pieces of Inspiration #52

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. Little brown packages tied up with string… … these are a few of my favorite things. I absolutely love presents wrapped in brown paper and decorated in a handmade fashion. […]

Behavior Gap Napkin Sketch Giveaway

I received an advance copy of Carl Richards’ book scheduled for wide release on January 3, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. Carl is a Certified Financial Planner who began writing articles — and sketching on napkins — at his own website,, and now does the same for the New York Times. […]

Cold-Weather Cities Top Retirement List

When most people think of moving during retirement they think of going to Florida, Arizona, Texas or some other warm-weather climate. And who can blame them? After over a decade living in Michigan, I'm ready for a bit of heat myself!Not so fast says US News. […]

How to Find Good Stuff at Goodwill (and Other Secondhand Stores)

I’ve mentioned quite often that I tend to shop at Goodwill/consignment shops/secondhand stores for various items. Whenever I mention this, I tend to get a bunch of responses along the lines of this message from Tessa: How do you find anything good at Goodwill? Whenever I go into one, all I find is a lot of junk. […]

Binding Arbitration: Wells Fargo Taking Away Customers’ Rights

If you enter into an agreement with a company, and that company does something to wrong you, most of the time you can avail yourself of the American judicial system to correct the problem. This happens frequently, with both individual lawsuits and class action lawsuits. […]

Payroll Tax Cut Extended for Two Months

After political bickering, the House of Representatives agreed to make a deal with the Senate to extend the payroll tax holiday. This tax cut reduced the payroll tax — a tax separate from but often associated with federal income tax — from 6.2% to 4.2% of the first $110,100 of wages. The tax benefits Social Security, a program politicians often claim is in danger of being underfunded. […]

A Moment of Serendipity

Lately, there have been lots of stories of people blessed with opportunity using that newfound wealth to help others. A Minnesota farmer gave most of his estate to his hometown, totaling about $3 million. A person in Ohio paid off $8,800 in WalMart layway accounts anonymously. Another “Secret Santa” in North Carolina made a similar move, paying off layway accounts there. These types of things are […]

How “Anchoring” Sways Your Decisions

This is a post from staff writer April Dykman. My favorite places to shop are sites like and Last Call Neiman Marcus. I like the idea of buying a $400 dress for $80 because I get better quality for a good price. […]

Happy Holidays!

Happy Monday! And Happy Tuesday too because this post will be on the front page tomorrow too while we’re on break to celebrate Christmas. We want to wish you and yours a fun, safe, and relaxing holiday and we’ll be back on Wednesday to give you your personal finance fix for this shortened week. Happy holidays! (Photo: pagedooley) Happy Holidays! […]