Working Americans Have Almost No Retirement Savings

CNN Money reported last week that 43% of Americans have less than $10,000 in retirement savings, which is a statistic provided by the Employee Benefit Research Institute in their Retirement Confidence Survey (2010 results). If that figure isn’t scary enough, it appears that 27% of workers have less than $1,000. […]

The Balance Between Splurger and Miser

This post is from GRS staff writer April Dykman. Before I changed my habits, I spent money without much thought. In college, if I had a two-hour break between classes, I’d drive to the mall. Once I started working full time, my coworker and I would bring our lunches to work just so that we’d have the entire hour to shop. […]

Repay Second Mortgage or Student Loan Debt First?

This past Monday, I sent Lending Club a final check for $1,582.05 – thus settling our Lending Club loan and reducing our creditors to four. The debts we owe are now limited to two student loans and two mortgages. Today, I’m asking for your advice as to which we should repay next. Only student loan and mortgage debt left Remember the Jeep that I totaled and had in the shop for 8 months last year? […]

The Roth Conversion Option

The following is an excerpt from The Gospel of Roth: The Good News About Roth IRA Conversions and How They Can Make You Money, a book that argues everyone should convert a Traditional IRA to a Roth IRA. There will be follow-up posts from this book later today and tomorrow to add more details to what is said below. […]

Foreclosure Rates, Job Statistics & Unemployment Numbers (Interactive Maps)

You know I love maps — economic maps, in particular. The last few ones I’ve featured here illustrated the U.S. unemployment rates and California’s unemployment rate history. […]

Investment Costs Everywhere - Another Point for Index Funds

Here's a piece from MSN Money that asks if your retirement fund is leaking. Why would it be leaking? Because investing costs are eating away at it. Consider this: In selecting mutual funds, most investors know to check the expense ratio, the standard measure of how much it costs to own a fund. […]

Litterless Juice Boxes: Do They Save Money If You Have Kids?

My kids love juice boxes. We usually allow them to have one a day as part of an afternoon snack. We’re pretty picky about the ones we buy, making sure that at the very least they’re 100% juice and, often, we buy juice that has vegetable juice in it, too. […]

Fun Trivia Facts about the $500 Bill

Nowadays the highest denomination bill you can find is the $100 but back in the early 20th century, the Bureau of Engraving and Printing was printing bills as high as $100,000 (1934-35). There aren’t any high denomination bills left, after printing was officially discontinued in 1969 by President Nixon. […]

Skills That Can Save You Money Part 1: Parallel Parking

By Paul Michael It may at first seem odd that a driving lesson would appear on a blog about saving money. But read on and you’ll see why something as basic (well, to some) as parallel parking can be a ticket to big savings. I passed my test late in life. I was 26, and I did it here in America. […]

Best Deals for Wednesday 03/17/2010

Threadless.com coupon: $5 off $25 or more BOSCH Jigsaw Blade 5-pack $4 Amazon kids' shoes sale: Select styles 50% off or more Flogging Molly "Drunken Lullabies" MP3 Album Download for $3 Baja Fresh: FREE Burrito with drink purchase today only […]

Six Levels of Emergency Funds

I always thought there was one basic level of emergency funds -- six to twelve months of living expenses. But in the book The Financial Crossroads, they suggest different levels of emergency funds based on a variety of factors such as the number of sources of family income, the nature of business supporting those sources, and the variability in those income sources. […]

Quicken Essentials for Mac – Taking a Step Backwards?

I just received a mailer yesterday announcing the arrival of Quicken Essentials for Mac, which is the long-awaited update to Quicken 2007 for Mac. Quicken Essentials was actually released back in February, but I somehow missed the announcement. On the surface, this update sounds great. […]

6 Things You Need to Know Before Buying Your Next Car

Buying a Car? Make Sure You Follow These Tips The days of being a clueless consumer walking into a dealership and letting the car salesmen explain all of the features of the new models are over. Today, you have the internet on your side. You can learn anything you’d ever want to about any car on the market before stepping foot into a dealership. […]

The Simple Dollar Weekly Roundup: Vacation Edition

What kind of summer vacation does one take with a four year old, a two year old, and an infant? One great way to do this (for us) is to take a vacation with a large group, where lots of people are there to keep eyes on children in small, rotating doses. So that’s what we’re doing this year. […]

Dating on a Dime

By Myscha Theriault Finding time and funds for dating is a challenge for singles and couples alike. […]

Free Money Finance March Money Madness, Sweet 16, Posts 5-8

Here we go with the Sweet 16 round of Free Money Finance March Money Madness (if you wonder what's going on in these posts, see my article announcing March Money Madness and/or click on my March Money Madness category link and scroll down to read all the posts involved in this subject.) I've listed each "game" (one post versus another) in segments along with the wording provided by the author wh […]

18 Must Haves for the Business Traveler

By Nora Dunn Making a business trip a success involves a number of factors, including ensuring you are well-rested and on your game, protecting and transporting your belongings safely, keeping up with work and office events during your absence, and making every part of your business trip efficient and cost-effective. Following is a selection of items and services that are often considered must ha […]

Use Less Soap and Detergent in the Washing Machine

Doing laundry is one of those chores that’s rather easy, but I find myself avoiding it as much as possible. As a result, I end up doing large loads every seven to ten days. Even for these full loads of clothing, I usually only fill the detergent cup about half way. […]