A Weekend Project for You

60% of Americans don’t have a will. When they die, at least some of what they hope of passing on to their loved ones will be eaten up by lawyers and distributed by judges. Pretty amazing what an hour of contemplation and an hour of document preparation can do. 47% of Americans have no life insurance. […]

Weekly Roundup: Not Enough Taxes

I’m sure you’ve heard about the TEA Party, “Taxed Enough Already,” and how they want change (if you haven’t, turn on the news!). Well, did you also know that, according to a USA Today’s article, we are paying the lowest amount of taxes in 60 years? […]

On Vacation with the Real Millionaire Next Door

I believe that money is a tool that should be used to help build the life of your dreams. After you’ve repaid your debt, saved for emergencies, and funded your retirement, anything you have left over is yours to do with as you please. I never thought I’d reach the “do with as you please” phase personally. It seemed like a pipe dream. […]

The Simple Dollar Time Machine: May 15, 2010

Many newer readers of The Simple Dollar haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, two years ago this week, and three years ago this week. […]

Book Review: Confronting Collapse

Confronting Collapse: The Crisis of Energy and Money in a Post Peak Oil World by Michael C. Ruppert. We hardly talk about collapse here. Wise Bread is all about living large, while collapse mitigation is usually about living small. […]

The Predatory Nature of Student Credit Cards

The following is a guest post by Garrett Driscoll from Debt Eagle. When the first credit card was invented, it was all about convenience. In the 1950's a man named Frank Macnamara came up with the concept after forgetting to bring cash on a night out with friends. Always carrying money was cumbersome and a credit card solved that problem. […]

Questioning FAFSA: Free Application For Federal Student Aid

This guest post is brought to you by Ryan Ayres from The Financial Student, a personal finance site for teens, college students, and lifelong learners interested in the basics of personal finance. While the Free Application for Federal Student Aid was due months ago, the effects of it will be felt by college students for years. […]

Best Money Tips: How Being Late on Your Mortgage Affects Your Score

Welcome to Wise Bread's Best Money Tips roundup. Today, we tell you how many points a late mortgage payment will cost you, how early retirement might not be smart, and if you can really make any money chasing rates. Top 5 Articles How Being Late on a Mortgage Payment Affects Your Credit Score — Think it's just a little ding? […]

Debt Consolidation and the “Orbital of Stupid”

Yesterday, I heard a very interesting story on NPR that focused on Dave Ramsey looking at Greece’s debt situation through a personal finance lens. […]

Sign Up Now to Win $200 in Gift Certificates

One final reminder to sign up here (using the link to the left -- do NOT sign up in the comments below this post) if you want a chance to win $200 in Restaurant.com gift certificates. I'll be announcing the winner early next week. […]

Closing Our HSBC Advance (HSBC Direct) Savings Account

I’ve long expressed a desire to simplify our finances, and have finally taken a small step in that direction. Over the years, I’ve accumulated a number of online savings accounts. These include accounts from ING Direct, Ally Bank, Everbank, and so on. While we’re still using a couple of these accounts, the others have fallen out of favor for one reason or another. […]

Smithee Debt Update, Mid-May 2010

Happy Vacation-makes-finances-a-bit-messy Friday! It’s been about a month since my last credit card debt update. Since then, we managed to pull off something akin to a coup or a miracle. […]

Friday Finance Findings for May 14th

Happy Friday. It sure is nice that the weather is finally starting to turn around for the better. It’s been a pretty wild spring thus far with a lot of extremes. As long as the frost is done I’ll be happy since it’s been a tough couple of weeks constantly trying to protect our annuals out in the landscape and in all our pots. […]

The Love and Hate of Work

I recently had a conversation with a 66 year old woman who had retired from a fairly lucrative career, only to take on a completely surprising job as her “retirement job.” She’s a grade school lunch lady. Why did she choose to take on such a job? The reason was simple, she told me. Her grandchildren, her grandchildren’s friends, and the grandchildren of some of her friends attended that school. […]

5 Questions Couples Should Ask in the Money Talk

ShareThisWhen couples decide to live together or get married, they usually talk about family, children, vacations, wedding plans and decorating. They almost never have a discussion about finances. Understanding a person's view and handling of money, however, is just as important as his or her opinion about having children. […]

Financial IQ Test: Do You Have the Best Auto Insurance Coverage for Your Needs?

How well do you know your auto insurance coverage? Have you read — and do you understand — all the fine print? Is it structured it properly? Have you researched and comparison shopped for your ideal policy? […]

Ask the Readers: Should I Take Out a Loan to Buy a Car?

If smart money management were just about math or opening the highest interest savings account, this stuff would be easy. But there are a variety of complex factors that come into play when we have to make financial decisions. For example, Alyssa wrote recently to ask for advice. She needs to buy a car at the end of the summer, but she doesn’t know whether to take out a loan or pay cash. […]

Your Take: What You’d Like To See (And a Survey!)

Happy Friday! It’s been a while since I’ve done of these types of Your Takes where I ask you what you’d like to see me cover and today seems like a mighty fine day to do it. Next week we’ll have a New Graduate Guide series because you guys seemed to enjoy our Career Week series last year, and we did a couple more Devil’s Advocates posts this year, again because you guys liked them. […]

The Best Cash Back Credit Cards, March 2012

Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. […]

Do You Escrow?

The following is a guest post from Budgeting in the Fun Stuff.  As many of you know, when you buy a home, you get a choice to escrow your property taxes and insurance payments or not.  What a surprising amount of people don’t know is what does that mean? If you choose to escrow, the mortgage company will establish an escrow account for you with a neutral third party to pay property taxes and ins […]