Help a Reader: Real Estate with No Appreciation

Here's an email I recently received from a reader: My wife and I are currently living in a classic brick townhouse that I am renting directly from a home builder.  The property is in one of the nicest areas in my state of residence.  My wife and I are within walking distance of a prestigious private college and corresponding small historic downtown area that is full of amenities (coffee shops, […]

Spend Less Than You Earn (3/365)

If there is a single mantra of The Simple Dollar, it’s this one. Spend less than you earn. There’s a reason that it’s my first rule of personal finance. If you can spend less than you earn consistently over various time frames (less this week, less this month, less this year all at the same time), you’re going to be in great financial shape. Spend less… It all starts with spending. […]

Tips for Hiring the Right Tax Preparer

Thanks to programs like TurboTax, people with relatively simple tax returns can prepare their own documents without paying a professional. […]

Could an Extended Warranty Be Worth the Cost?

In many cases, the question of whether or not an extended warranty should be purchased is answered quite simply with a resounding, “No!” However, there are some instances in which an extended warranty might be worth purchasing. Before you make a purchase, consider the possibility of purchasing the extended warranty, so that you know what you should do ahead of time. […]

Savings Bond Purchase Limit Increased to $10k in 2012

If you’re a fan of savings bonds, then I have some good news for you… The Treasury has increased the TreasuryDirect purchase limit from $5k per bond type (I or EE) per year to $10k. […]

Year-End Personal Balance Sheet, December 2011

I’ve spent the last decade of my life focused on my finances. I started because I had no money and a job that was taking more from me than it was providing in income. I knew I had to make some changes if I wanted to build any kind of future for myself. […]

Forget New Year’s Resolutions – Get Real Results Instead

The following is a guest post from Todd Tresidder who writes regularly about advanced personal finance topics and investment strategy at Financial Mentor. […]

S&P Dividend Aristocrats for 2012

A few years back, I published a list of “Dividend Aristocrats” — companies in the S&P 500 that have increased their dividend payouts for at least 25 consecutive years. […]

The Simple Dollar Weekly Roundup: Freedom Edition

A few days ago, a technical problem with The Simple Dollar cropped up involving the front page not refreshing for some users of the site. A reader emailed me about it. A few months ago, I would have then spent several hours reading documentation and trying to figure out what was wrong. There would have been a decent chance that I would have broken the site in the process. […]

Different Ways to Save Money – From Savings Accounts to Savings Bonds

When people talk about having money for a rainy day they are usually referring to putting their money into a savings account. A rainy day or emergency fund is used to set aside money from every paycheck so that in the event of an emergency or unexpected expense there’s money readily available. […]

5 Unusual Ways to Raise Successful Children

This is a guest post from Natalie Peace of PeaceAndProfit.com. She is the author of 30 Keys to Building a Multi-Million Dollar Business: What They Didn’t Teach Me in Business School. […]

Social Security Full Retirement Age

I don’t spend a lot of time writing about Social Security because I’m only in my early 30′s. If the topic of Social Security comes up with my friends, it’s usually followed by disparaging comments about how it’s underfunded and won’t exist in thirty years when I’m eligible to start receiving it (which probably isn’t that far off). Sadly, the solvency of Social Security is (mostly) simple math. […]

Using Airline Credit Cards to Score Premium Travel Awards

Picture this — two travel reward credit card holders are saving up for an airline award ticket. Over a year or two, one of them charges $40,000 to his reward card affiliated with a major domestic airline, yet has trouble finding a round trip domestic award in Economy class for the 40,000 miles he earned. […]

The Best Cooking Oils: For Your Heart and Wallet

Have you ever stared down several shelves of cooking oil and had no idea what to buy? Wondered what's the best cooking oil to use? Vegetable oil, olive oil, sunflower oil, canola oil — which cooking oil is good for me? Which oil is best for baking? Here to help is a quick breakdown of the various cooking oils generally available on supermarket shelves. […]

Best Money Tips: Find Business Attire for Less

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on finding business attire for less, ways to cut your expenses, and benefits of a smaller home. Top 5 Articles Dress for Success: Find Business Attire for Less — To find business attire for less, opt for second hand clothing. [Smart On Money] 15 ways to cut your expenses — Want to cut your expenses? […]

Productivity Tips to Carry You Through 2012

The start of a new year is a good time to take a review of the best productivity tips we have shared with you. These tips help maximize your efficiency at work so you're getting more done in less time. […]

Taxes: What's New for 2011, Part 1

The following is an excerpt from J.K. Lasser's Your Income Tax 2012: For Preparing Your 2011 Tax Return. It is reprinted with permission of John Wiley & Sons, Inc. […]

An Impulse Buy Is Never A Good Buy

The following is a guest post from Lynn Truong at Wise Bread.There are a lot of ways to save money in all aspects of our lives. Whether it's groceries (buy generic, buy in season), around the home (insulate, use energy-efficient-whatever), or anything else you have to purchase (buy used, double coupons, reward credit cards), there are always a list of tips to cut those costs and save money. […]

Realize That You’re Not Alone on This Journey (2/365)

When I first reached my financial bottom, I felt desperately alone. I wrote about the pain of that financial bottom a while ago: In short, even though my mind kept searching for a way out, another saving grace, part of me began to realize that there was no way out this time. I began to feel completely sick to my stomach and disgusted with myself, so I walked back home. […]

Accelerating Your Mortgage Payment

There is not a month that goes by where I don’t receive a solicitation pushing for me to pay off my mortgage more quickly by participating in a biweekly mortgage payment plan. You’ve probably heard that accelerating your mortgage payments can substantially reduce the amount of interest you’ll pay over the life of the loan. […]