Your Take: Unbundling & A La Carte Pricing

I call it “a la carte” pricing, various industries all it “unbundling,” but more and more industries are breaking out how much you pay for what services when you do business with them. It was the subject of Art Pine’s article in Kiplinger’s and he goes into detail about the logic of bundling and unbundling your pricing. Personally, I like unbundling as long as I have control over what I can buy. […]

Ask the Readers: How Much Do You Spend on Gifts?

As Kris and I near the end our trip to Peru, we’ve begun to make preparations for our return home. That means shopping. I spent some time today buying books, for instance. Keeping in mind my recently-drafted guidelines of what to buy, I picked up a couple dozen Spanish translations of classic novels and popular children’s books. […]

5 Best Travel Reward Credit Cards

Updated April 2013 There are few things as alluring as the promise of free travel to exotic destinations. The banks know this, and have long offered travel rewards to their customers for receiving and using their credit cards. In turn, savvy credit card users have learned how to exploit these offers to travel in comfort and style well beyond their means. […]

Is Paying Off Your Mortgage Early Costing You Money?

A frequent question that pops into people's minds is whether they are throwing money away by paying off their mortgage instead of investing that sum. In reality, that's the last thing you should think about. […]

Best Money Tips: Save Water at Home

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on saving water at home, tips for a better work-life balance, and when to get rental car insurance. Top 5 Articles Four Places Where You Can Save Water at Home — Save water on your lawn by not watering on windy days when a lot of the water will evaporate. […]

Recession Survivor: Would You Eat Bugs and Roadkill to Cut the Grocery Bill?

I try to be flexible with my family menu in order to save on groceries, but recently I learned about a couple guys who are waaay more flexible than I am when it comes to ingredient choices. They eat bugs and roadkill. And they have recipes to share. […]

Reader Profile: RK

The following is the latest post in my "Reader Profiles" series. Each post in this series details the financial situation and challenges of an FMF reader. […]

Carnivals for the Week of Oct 31

For those of you interested, there are still three big-bonus credit cards available. I just picked up one of them myself this week.Here are some of the carnivals Free Money Finance was in this week: Totally Money Blog Carnival Cavalcade of Risk Carnival of Personal Finance Enjoy!P.S. […]

Beginning And Ending And Beginning Again

Over the past several weeks, I have been working on several projects around the house.  I built my son a bunk bed (picture below).  I constructed a storage-and-shelving unit for the shed.  I installed a new mailbox, with a a new post, and I tilled and planted a new flower bed, around the post. I love working on a project, especially when it has a definitive beginning and ending.  For instance, the […]

How Important Is It to Start Early?

I get a lot of emails from people in their forties and fifties who are suddenly panicking about their retirement savings. Often, they don’t have any or they have very little, yet they still want to retire at age 65. At the same time, I also get emails from people in their twenties who are already saving diligently for retirement. […]

Box of Books #18

The box of books giveaways through my giveaway newsletter have been very popular, so below I'm detailing another set of them that will be up for grabs this month (if you want a chance to win, be sure to sign up for my newsletter here.) For now, here are the books I've received from publishers and a bit about them (from Amazon): The 11 Laws of Likability: Relationship Networking . . . […]

Here’s How to Save on Last Minute Travel

If it hasn’t happened already, it eventually will. At some point you’re going to have to jump on a plane with only a few hours of notice and often, the reason isn’t good. Somebody was injured, passed away, or something else that desperately needs your attention. […]

Get 1,000 Delta SkyMiles for Free

If you’re a frequent (or even semi-frequent) Delta traveler, you might be interested in this offer that just showed up in our mailbox… If you signup to receive SkyMiles promotions via e-mail by December 31st, you’ll get 1000 free SkyMiles credited to your account. […]

Battle of the Flat Tax: Cain’s 9-9-9 vs. Perry’s Optional 20%

Almost no one likes the current tax code. It’s big. It’s complex. Many think it’s “unfair.” Which is why Republican presidential candidates are eager to float their own ideas for a new tax code. So far, both of the recent tax system overhauls are based on a flat tax structure. […]

Layaway Programs: How to Buy What You Can’t Afford (Yet)

In the midst of the economic recession a few years ago, layaway programs made a big comeback. Previously a great method for buying items that may have been on the expensive side in eras when credit was not available to many consumers, the same economic conditions returned when credit card offers became scarce recently. […]

I Got a Points-Based Rewards Credit Card

As most readers here know, I prefer cash back credit cards over points-based (and mileage) credit cards (in fact, I even have a list of what I consider to be the best cash back credit cards) I've detailed my reasons why but it basically boils down to the facts that I think cash back rewards are clearer (less muddled as to what you're actually earning), less complicated, and are much more versatile […]

How Often Should You Check Your Credit Score

You have probably heard about the importance of your credit score and credit history, and may have even shrugged it off, but there are a number of reasons to check both. First you need to know what’s a good credit score. Then you know that the better your credit score, the better your chances of being approved for a loan, and the lower the rate. But that’s only half of the equation. […]

Reader Mailbag: The Family Months

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. Charter school conundrum 2. Roth as college savings 3. Saving Legacy TreasuryDirect 4. Favorite board game 5. How I read 6. Education debt question 7. Community of church without religion 8. Introductory banking offers 9. […]

Four Places Where You Can Save Water at Home

Water is a precious commodity, and we use a lot of it. Don’t believe me? Just take a look at your monthly water bill. A typical family of four consumes 300 to 400 gallons of water per day, which means between 9,000 and 12,000 gallons flow through a household each month. How much does that cost? […]

Discover More Card $150 Limited Time Cash Back Bonus

The Discover More Card has been around for quite some time. If you’ve seen a competitor’s commercials on television mentioning the “biggest cash back credit card,” you might be surprised to learn that the commercial is referring to this card. To grow the number of customers, Discover has launched different versions of Discover More over the last few years. […]