Naked With Cash: Kathleen

In January, Consumerism Commentary will begin the Naked With Cash event and series. Several Consumerism Commentary readers will share their financial reports and analyses at the beginning of each month, with insight from financial planners and other experts. […]

Reader Mailbag: Christmas Prep

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. Separating business and personal finances 2. Roth IRA over income limit 3. Replenishing emergency funds 4. “Date night” Christmas gift 5. IRA or 401(k) first? 6. Building responsibility in children 7. IRA or student loans? 8. […]

Should You Pay Off Your Auto Loan Early?

Carrying debt is always a drain on the finances, so many people look to pay off their loans early. When you’re talking about credit cards or other high-interest revolving debt this is certainly true. […]

Side Gig Thursdays: Aprille Cole, Cups ‘N’ Cakes

Cupcakes are all the rage these days and it’s not surprising that more and more people are taking advantage of that craze by opening up bakeries as a side gig. […]

Plant A Garden

Last year, I planted a small garden. Throughout the spring and summer, we had fresh strawberries, butter beans, and onions. This year, I plan to expand my garden.  I will be adding a couple of raised beds – and trying my hand at growing watermelons, potatoes, and assorted beans. My goal is to be healthy – and frugal.  Here are some tips for planting a garden, without breaking the bank. Place your […]

Thursday Night Soup: Delicious Soup From Leftovers

"Thursday Night Soup" is a classic working class dish made from leftovers. It’s called Thursday Night Soup because, back in the day, factory workers were paid on Friday, so Thursday night’s dinner was always scraped together from what was left in the cupboard. […]

FICO vs. Fakes: Are You Getting the Wrong Credit Score?

If you’ve applied for a loan recently and had your credit score pulled, chances are you are aware that you have more than one credit score. FICO issues a score, and each of the three major credit bureaus also offers its own credit score, too. Knowing your credit score is important for wise financial management . […]

Best Money Tips: How to Be a Good Thrift Store Shopper

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on how to be a good thrift store shopper, stopping the cycle of debt, and holiday gifts that give back. Top 5 Articles How to Be a Good Thrift Store Shopper — To be a good thrift store shopper, examine everything in detail before purchasing it. […]

The power of proclaiming your frugality

Last week, I was paying for purchases at a store I frequent in my neighborhood. Routinely, the sales clerk asked me if I’d like to sign up for a store credit card. It wasn’t the first time she’d asked me; thus, it wasn’t the first time I scrambled for a polite way of saying no. I’ve been on the other side of the counter — it’s not like you want to ask this question. […]

Boost Your Retirement Savings: Avoid 401(k) Fees

You might not have noticed if your 401(k) plan has been charging exorbitant fees for accounting, record keeping, legal work, management, or for any number of dubious reasons. In fact, 7 out of 10 participants don't know they pay fees to their 401(k) plan provider, according to an AARP survey. […]

Four great ways to pay down a mortgage

Housing is right up there with groceries as a major household budget item for many families — not just in the raw amount of money shelled out, but also in importance.  Food and shelter and all that. Since housing involves a commitment (either a lease or a mortgage) there’s less flexibility in adjusting housing costs than there is in adjusting a grocery budget.  After you sign the lease or mortgage […]

Nine Cheap Holiday Events that Won’t Tax Your Wallet

A holiday with all the trimmings can seriously trim your bank account. Expensive gifts, big meals, travel, parties… It all adds up. But when the season is over and you’re looking back, what will you remember best? Probably the rare peaceful moments with family or friends, not the expensive blow-out events. With that in mind, here are nine holiday activities that won’t shrink your wallet. 1. […]

Most Soon-to-Be Retirees Don't Have Enough Saved

The December issue of Money magazine lists this interesting stat on the last page: The median retirement savings for households near retirement (55-64): $120,000 One word: yikes!!!!Let's look at the math a bit: Let's assume a person right in the middle of this age range: age 59 1/2 We'll give him six more years of work So far in 37 years of work he's managed to save $3,243 per year […]

Details on the ING Direct/Capital One 360 Transition

Not quite six weeks ago I talked about the looming transition of ING Direct into Capital One 360. At that time, details were scarce. They did, however, promise that additional information would be forthcoming in December. Well, earlier this week I received that info. […]

Join Our Tweetchat on Thu 12/20, 12pm Pacific for a Chance to Win Prizes

Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win prizes! Use #WBChat to participate. This week's topic: The Holiday Chat! […]

Align Vacations with Visiting Family and Friends (353/365)

In 2009, my family travelled to the Dallas, Texas area. In that area, I have two great aunts and a number of first and second cousins. We spent a lot of time with them, enjoying meals and reconnecting. In 2011, my family travelled to the Seattle, Washington area, much like we did in 2004. […]

6 Ways to Increase Your Tips as a Waiter, Waitress or Server

Being a waiter or waitress is hard work! I know because I used to be one. The job can be especially hard on the weekends when people are waiting for seats and your tables are sometimes double or triple seated (meaning two or three different tables are sat in your section at the same time). […]

Travel With A Plan

I love the beach. When I retire, I want to live where 50 degrees is considered “cold weather” – and I can rock flip-flops 300 days a year. As it stands right now, a couple of trips to the beach each summer will have to do, seeing as how my wife and I have jobs, three kids, a mortgage, and are both years from retirement. So, when we do get a chance to go the beach – we want our trips to be memorabl […]

Naked With Cash: Anonymous S

In January, Consumerism Commentary will begin the Naked With Cash event and series. Several Consumerism Commentary readers will share their financial reports and analyses at the beginning of each month, with insight from financial planners and other experts. […]