Up Before the Roosters: Becoming an Early Riser

One of the goals I contemplate for myself on a near weekly basis is rising earlier every day. As a person who works from home and knows what damage slumps can do to motivation and productivity, I’ve wanted to create a better way to do things. […]

50 Fabulous Carrot Recipes

Available at warehouse stores in 10-pound bags for less than a dollar per pound, this root vegetable provides one of the easiest ways to purchase organic groceries on a budget. Even conventional carrots are a money-saving staple food to be taken seriously. They can be used to create a variety of soups, desserts, side dishes, beverages, and, of course, salads. […]

In defense of passion (with the help of reason)

“Nothing great in the world has ever been accomplished without passion.” -Hegel Last week, GRS published an article by April Dykman that presented some ideas by Ramit Sethi and Cal Newport about how “follow your passion” is bad career advice and what to do about it. Sure, I guess. “Follow your passion” is bad advice. For one thing, it’s terribly simplistic. […]

Best Money Tips: Ideas to Save on Your Morning Coffee

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on ideas to save on your morning coffee, how to know if your job is in jeopardy, and cutting your restaurant bill. Top 5 Articles 7 Ideas To Save On Your Morning Coffee — To save money on your morning coffee, buy a coffeemaker. […]

Where to Find Missing Socks

For years, especially when my children were younger, I had little time to chase down lost socks. So, in progressive order, I kept a bag, a basket, and a drawer designated for singles. Every few months, or more frequently if I had a new batch of missing mates, I would sort through the socks looking for matches. (See also: 9 Ways to Help Your Clothes Last Longer) Occasionally, this approach worked. […]

We Bought Property #2

Last month I gave you all details on the first property I purchased and I will provide an update on it when we get to a point it's worthy of one (we are on the verge of renting both of the houses now and the final costs should be settling out, so once that's done, I'll provide specifics.) But in the meantime, I've been busy on the shopping front and have purchased two 4-unit buildings as shown her […]

The money question you don’t want your spouse to ask

My wife and I have been married almost eleven years, and I wouldn’t change it for the world. Nonetheless, even though we’ve been sharing our finances that long, getting it right is still a work in progress.  We’re on board with our personal finance plan and all that, but we are still learning how to work together with our finances.The one question that we don’t want to be asking each other: You sp […]

Helping Your Children

One of the questions I’ve really struggled with over the past several years is how much help I should provide to my children as they grow older, and what form that help should take. When I turned eighteen and left for college, my parents were more or less finished with their role as parents for me. I only lived under their roof again for a single summer (the first summer after college). […]

A New #Cut4Bieber: Justin Bieber’s Prepaid Debit Card

There’s apparently a celebrity of some sort called Justin Bieber. I don’t know much about him, but I might have heard a song of his one time. He might have been a baby only a few years ago, but today he’s following in the footsteps of some of my favorite gurus, in a love-to-hate sense, financial and pseudo-financial. […]

What’s Next for the AMT?

Recently, politicians agreed to a partial “fiscal cliff” fix. […]

Anonymous S December 2012 Net Worth

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. Anonymous S is a 24-year-old engineer earning $67,000 a year plus bonus. […]

Reader Mailbag: Child’s Play

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. Reverse mortgages 2. Storytelling and profit 3. Refinancing and PMI 4. Short term investing options 5. Children and television 6. Handling old wine 7. Getting a razor blade sharpener 8. Slow cooker boredom 9. […]

How I Calculate My Asset Allocation

I was logging into my Vanguard account when it told me that my current mix of investments differed from my target by more than 5%. A few years ago, sometime shortly after I opened the account, I set the target asset allocation based on the classic “120 minus your age” rule of thumb for your investment mix of stocks and bonds. […]

Beware Celebrities Bearing Prepaid Cards

Celebrities used to get attention by buying a small island or starting a clothing line. But nowadays, they know that one of the surest ways to get into the spotlight (and make a ton of money) is to align yourself with a prepaid card. Remember the Kardashian Kard? That card had many horrible fees — almost $100 just to use the card for the first year — and it was destroyed by the media. […]

10 Ways to Improve Your Decision-Making Skills

“Where should we go for dinner?” “What movie do you want to see?” “Should I buy that shirt or save my money?” We make decisions every day of our lives, but with the wide array of options presented to us, we’re often plagued with indecisiveness and regret over opportunity costs incurred from “wrong” decisions. […]

Best Money Tips: Find an Affordable Flu Shot

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on finding an affordable flu shot, jobs for people who want to work from home, and things that will be cheaper in 2013. Top 5 Articles Find an affordable flu shot — Don't get sick this flu season! See if you can get a flu shot that's affordable through your workplace. […]

The morality of personal finance

I was running last Sunday night. I had waited too long to start my run, and it was dark. I’ve taken to using my iPhone to track my runs, because I’m very motivated by the additive nature of all my runs over time. […]

7 Secrets About Life and Career From "Office Space"

Let’s get one thing clear — I don’t think Mike Judge wrote the movie “Office Space” to help people improve their career prospects or “find themselves.” It’s a funny, and searing, indictment on the modern workplace (aka cubicle farms), and it did the job so well, it’s become one of the best-selling DVDs ever. But when you get beneath the oft-repeated quotes (“Hey Peter, what’s happening,” “Looks li […]

Supplement Your Nest Egg with Sweat

Over the holidays, I ran across a nice article by Philip Brewer over at Wisebread. In it, he talked about how much you’ll need for retirement in the context of safe withdrawal rates, using the 4% rule as an example. In other words, if you assume that you can safely withdraw 4%/year from your retirement portfolio, then you’ll need $1M to provide $40k/year in living expenses. […]

Rediscover Your Various Income Streams & Save Like Crazy!

The following is an excerpt from How to Engineer Your Layoff. If you're interested in quitting your job and profiting from it, this book is for you! Today's post gives ideas on how to save and create income so you can quit your job. “The creation of a thousand forests is in one acorn.” – Ralph Waldo EmersonFor most of us, our day job income is our primary income source. […]