2013 Financial Resolutions

Just like last year, I would like to share my financial resolutions for the new year. Here's what I hope to accomplish financially in 2013: Keep investing in real estate. I need to move the two places we have from "start-up" mode to "on-going" mode. This means getting them fixed up and rented. […]

SaveUp’s No Spend Giveaway: Win up to $10,000 in Rewards

Are you starting 2013 with the resolution to spend less and save more?  You’re in luck! Our friends at SaveUp have launched a fun free game with $10,000 in cash prizes to reward you for spending less. SaveUp also created a special $500 prize just for Wise Bread readers. The last time SaveUp did a giveaway on Wise Bread you responded with hundreds of positive comments. […]

Happy New Year From No Credit Needed

I hope that you have a blessed and happy New Year! 2012 was an interesting year for me and my family.  On a personal level, it was one of the most fulfilling years of my life.  I have been encouraged in my professional and spiritual life – and I am very excited about 2013. Blogging has changed a lot since I started No Credit Needed back in 2005.  I started the site over at “blogger” – and at that […]

Correcting the Wrong Money Lessons

My two oldest children are in elementary school. They have a wide range of classmates from different ethnic, political, social, and economic backgrounds in their class. There are children of college professors in the classroom right next to the children of migrant workers of immigrants. […]

Two simple personal finance suggestions for the new year

It’s 2013.  We’ve successfully gotten past the Mayans, and media exposure from the Fiscal Cliff hasn’t claimed any lives that we know of.  Go us. January 1st is a time for new year’s resolutions, starting afresh, all that good stuff.  Here are a couple of simple suggestions for your finances as we enter the new year. Spend less than you earn.  Matt Jabs posted his reasoning on his Facebook page, […]

2013 FMF March Money Madness Tournament

Yes, it's that time of year again -- Free Money Finance March Money Madness is upon us!For those of you who don't know what I'm talking about, it's our annual "tournament" of the best personal finance articles of the past year. They face each other in an NCAA-style bracket system, FMF readers vote for the winner, and at the end of it all, the best post is left standing. […]

Inside the Fiscal Cliff Deal

Well, Congress finally got around to addressing the fiscal cliff, with the Senate passing legislation shortly after midnight and the House expected to vote today or tomorrow. Thus, while technically went over the cliff, it should be fixed before it really matters. So what did they agree on? […]

My Resolution Revolution

In years past, I’ve started off the new year by listing some goals for the coming year. […]

Happy New Year!

This is just a quick note to wish you a Happy New Year. We’ve had a low-key and relaxing break, and plan on continuing that today and tomorrow before a return to school and work. What about you? Have you had a nice holiday break? More generally, what are you looking forward in the New Year? […]

Ask the Readers: Do You Have Financial Resolutions for 2013?

The new year is finally here! It's time for a fresh start with new goals. Most people tend to set new years resolutions for themselves. These can range from exercising more to eating healthier to spending more time with family. Some people will even set financial resolutions for themselves! Do you have financial resolutions for 2013? If so, what are they? Buy a house? Pay off debt? […]

5 Frugal Ways to Go Green in 2013

Contrary to what advertisers would have us believe, going green doesn’t have to be complicated or expensive. If you’d like to green-up your life in 2013, but don’t have the budget for a hybrid car or wind turbine just yet, here are a few easy and inexpensive ways to still make an impact. (See also: Why Recycling Is My Lowest Priority) 1. […]

Part-Time Jobs That Can Get You Serious Discounts

Part-time jobs are great for supplementing income, but there are other things to consider — like, what kind of perks do they offer? If you’ve got to put in a few extra hours a week, you might as well reap the benefits, right? To help you narrow your list, I’ve highlighted several types of part-time jobs and the bonuses associated with them. Take a look. […]

This year, switch and get things done

Friends: this is only an arbitrary calendar, but still, it’s a nice mental paradigm to start counting again from day one. Don’t forget to write the correct year when you write your next check! […]

Best Money Tips: How to Buy a Used Rental Car

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on buying a used rental car, learning to ski or snowboard for less, and saving on health insurance. Top 5 Articles How to Buy a Used Rental Car — Buying a used rental car will get you better prices than you would get at a car dealer. […]

What to Look for in a Fixer-Upper

The housing market is definitely improving, and many of my friends are looking to purchase a new house. The problem is that in many areas inventory is quite low, and it is getting difficult to snatch a perfect house at a great price. However, if buyers are willing to put in some time and work, they are still able to find fixer-uppers that are worthwhile. […]

Happy New Year

Here's wishing you all the best in 2013! May your net worth climb to the sky!!!!Happy New Year!! […]

Think Twice Before Rolling Over Your 401(k)

As we ring in the New Year, people are often inspired to clean up their finances. One popular move is to roll your old 401(k) plan into an IRA. In many cases this is a good decision — but not always. In a recent article on MarketWatch, Mike Piper of Oblivious Investor fame shared with us four excellent reasons not to do a rollover. […]

Have Fun (365/365)

After an entire year’s worth of frugality tactics, it all comes down to this. Have fun. Thanks to Egan Snow for the image. Whenever you’re trying to change something in your life, you’re going to make it very, very hard to sustain if you hate what it takes to make that change a reality. If you hate exercising and hate the thought of even trying healthier foods, it’s going to be incredibly hard to […]

Plan for the Payroll Tax Cut Expiring in 2013

Missing from discussions about the so-called fiscal cliff is the option to continue the payroll tax cut. To boost the economy, President Obama and Congress introduced a stimulus bill in 2010 that reduced the payroll tax, money collected at the time of each paycheck from employers and employees (workers with W2 forms). […]

Reader Mailbag: Exercise Tips

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. FAFSA worries 2. Steam sales 3. Business effect on credit score 4. Is raising chickens worth it? 5. TSP loan concerns 6. Savings or 401(k)? 7. Craigslist diving 8. Concerned about partner and retirement 9. Christmas gifts 10. […]