What is a Roth IRA? A Short and Simple Guide

Note: This post is part of the Roth IRA Movement event organized by Jeff Rose at Good Financial Cents. Today, dozens of financial bloggers are posting articles about Roth IRAs. This is mine. Most of us know we should save for retirement, but sometimes it’s tough to get started. […]

What’s Your Dream Job? Thoughts On Making A Career Change

How does one’s career begin? Some people have their whole careers planned from the time they are early teens, and stick with the same career until they retire. Some hop from job to job and never really get a proper career going at any point. But more people start a career straight out of school, [...]What’s Your Dream Job? […]

Focus on Clothes That Match Well (85/365)

The vast majority of my wardrobe is made up of items that simply go well together. I can grab almost any shirt and any pair of pants and they’ll simply work for a typical day. (That’s not to say I don’t have clothes for particularly nice occasions, of course, but we’re looking at typical days.) This isn’t just luck or happenstance. […]

Do You Need a Credit Card?

Some things in our culture we rarely question. You go to the grocery store to buy food, you keep your money at a bank, and in your wallet is at least one credit card. Cash is quickly going the way of a land line and laser disk player but should it? If you’re like me, you pay everything with your credit card. […]

Could Your Water Bill Triple in the Next Few Years?

Most of us take cleaning drinking water for granted. You turn on the tap, and out comes the water. It’s generally safe to drink, and usually clean. Most of us just assume that the water will be there; few of us think about the delivery system in place. However, the delivery system for our water is becoming an issue. As our population grows, our water system needs to expand. […]

27 Frugal Uses for a Dead Phone Book

This post is from GRS staff writer Donna Freedman. Donna writes the Frugal Cool blog for MSN Money, and writes about frugality and intentional living at Surviving And Thriving. While consulting a professional about writing-related aches and pains, I was asked to describe my work station. When he heard that I used a laptop flat on the desk he told me that changes must be made. […]

Bank of America Turning Mortgage Holders into Renters

The latest news on the mortgage front is that Bank of America is testing a new program where they turn (former) homeowners into renters. Yes, really. It’s called the “Mortgage to Lease” program and it aims to convert those who are behind on their mortgages into leasees. When I first hear this news, I was blown away. They’re taking former homeowners and turning them into renters? Sounds crazy. […]

No One Ever Told Us That: Money and Life Letters to My Grandchildren [Review]

Read enough book reviews on Bargaineering and you’ll realize that I’m not one for deeply analytical books. It’s easy to point to personal finance, see the numbers, and think that charts and equations are the solution. They’re not. People aren’t in debt because they’re bad at math, people are in debt for a variety of other reasons and most of them don’t involve numbers at all. […]

A Story from a Millionaire Next Door

You all know how I love the book The Millionaire Next Door.  Well, here's an email I received from a good friend of mine recently -- a real millionaire next door. He had been reading around FMF and wanted to share his own personal finance story: Our finance story. Married at 21, bought house at 25, mortgage rate of 14%. Refinanced three years later at 12%. Bought upgraded home at age 31. […]

The Best of Money Carnival

The Best of Money Carnival is now up. Congrats to all participants and especially the winning post, The Psychology Of Paying With Cash. Enjoy! […]

Reader Mailbag: The After-Rain Smell

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. Taking sick days 2. Ending a cell contract early 3. Homemade putty and playdough 4. International travel for wedding 5. Making everyone happy 6. Basic 401(k) and Roth issue 7. Emergency fund for family 8. […]

USPS Offers Real Mail Spam with No Opt Out

It’s no secret that the United States Postal Services makes more money when there are more pieces of mail to deliver. It’s also no secret that they make a ton of money delivering business mail, so it should come as zero surprise that the USPS is now offering a direct mail service to businesses (it’s been live since last April), called Every Door Direct Mail. […]

1-800 Stock-Loss & Stock Loss Recovery Lawyers

When I’m driving around in the late evenings and listening to CNBC on my Sirius XM radio, I often hear commercials for some pretty off the wall companies. The latest one to pique my interest was from 1-800-STOCK-LOSS, which promises to help callers recover their investment funds in the event of fraud. […]

25 Ways to Get Motivated Today

While winter is officially out of here until the end of the year, you may still feel sluggish from your hibernation. Sitting around in a Snuggie for three months has that effect, after all. But now that spring is here, it’s time to brush off the cobwebs and get back in the game. It may seem difficult at first, but there are many easy ways to get motivated right now. […]

8 Cheap Ways to Save Money on Gas

As we rightly anticipated, gasoline is one of (at least) 11 things that will be more expensive in 2012. Prices have been steadily climbing, and some experts are predicting that by May, the national price per gallon could be as high as $3.96. The LA Times even claims that there's a "2% chance that the average U.S. […]

Best Money Tips: Free Items You Should Take From Hotels

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on free items you should take from hotels, questions to ask before hiring a financial advisor, and where to find freebies. Top 5 Articles 17 Free Items You Should Take From Hotels — Next time you stay at a hotel, take the free shampoo, conditioner, and garbage liners home with you! […]

4 Quirky Ways to Spend Less and Kick-Start Saving

Starting a savings plan can be fraught with stress and anxiety. People worry about not saving enough, not being consistent, giving in to spending temptations, and not knowing how to invest what they save. The whole enterprise is enough to leave some people stuck in a chronic state of analysis paralysis. For beginners, the best approach is to make saving less work and more experimental. […]

How Much Income Do I Need For Retirement?

The following is an excerpt from the ebook How Much Do I Need to Retire by Todd Tresidder from Financial Mentor. I really enjoyed this book (and worked through it personally in re-calculating my retirement number), so much so that I convinced Todd to give you all a special offer on it. […]

Avoid Clothes That Require Washing Separately (84/365)

Several years ago, I owned this wonderful sweater that I liked to wear during the winter. It fit me almost perfectly, the color of it matched my complexion, it wasn’t itchy at all, and I loved the pattern. As much as I liked it, though, I ended up wearing it only once or twice a winter, and I eventually ended up giving the thing away. Why? It required individual washing. […]