Get a Shorter-Term Mortgage with a Lower Interest Rate (231/365)

Whenever a person is ready to apply for a mortgage, they’re faced with an emormous array of options. Different lenders are advertising different rates. There are lots of different mortgage terms out there floating around, from a 5/1 ARM to a twenty year fixed rate. The options can seem almost overwhelming. Fortunately, there are a few basic rules you can stick to. […]

Facing Your Little Worries

All of us have something that we worry about. It might slip into our minds when we’re trying to go to sleep, or it might pop up when we’re going through a lull at work or even during the commute. Maybe it’s our financial state. Maybe it’s our own mortality. […]

Reader Story: In Defense of Clutter

This guest post from Jane is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. Want submit your own reader story? Here’s how. […]

Generosity Versus Greed

For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. […]

Get a HUD-1 Form and Know What You’re Looking At (230/365)

If there is a single piece of advice that I would give to the cost-conscious mortgage shopper, it would be to obtain a copy of your HUD-1 settlement statement and study it thoroughly before signing any papers. So, what is a HUD-1 Settlement Statement? […]

Ten Pieces of Inspiration #87

Each week, I highlight ten things each week that inspired me to greater financial, personal, and professional success. Hopefully, they will inspire you as well. 1. Seth Godin on life and vacations Vacation, to me, isn’t an escape. […]

How Much You'll Need to Save if You Retire at 50

MSN Money recently ran a piece on what it takes financially to retire at 50 (not too far off for me!). Their comments: The [list] below presents a brief summary of the savings amount needed to ensure a $50,000 annual income in retirement, based on yield percentages. […]

Consider a Cheaper Part of the Country (229/365)

Sarah and I have relatives and friends spread all across the country: Chicago, Minneapolis, Seattle, Boston, New York. We have friends that live in cities, friends that live in the suburbs, and friends that live out in the country. One thing we’re often amazed by is how drastically different the prices are for homes in those various areas. […]

Stock Lock-Ups at Facebook Cause Falling Share Prices

Today is the final day to vote for Consumerism Commentary and your favorite financial blogs in this year’s Plutus Awards. Take a moment — after reading this article, naturally — to show your appreciation for the best writing about money management and personal finance outside of mainstream media. Starting soon, voting will open for the People’s Choice Plutus Award. […]

Pride

We all want to have a life that we can be proud of. We want a life that we’re happy to show to others. We want relationships where we feel like equals with the other person. We want a life full of memories and activities that accurately reflect the values we hold dear. Quite often, that pride can drive us to great things. It can push us to work harder. […]

Your Take: Would You Ship Out of State to Avoid Sales Tax?

We know that a sales tax on internet purchases is probably on the way, either federally or slowly expanding across the states, with Amazon firmly in the sights of every state Treasurer. Unless there is a nationwide system, the rates will always vary among the states because they vary right now. The retail sales tax in Virginia is 5% but a hefty 6% in Maryland. […]

Back to School: Saving on College Textbooks

Heading into the fall semester, many new college students and their families may be shocked by the prices of textbooks, which generally range from $50-$200+. Some community college students may even find they’re spending more on books than tuition. […]

Get the Most Out of Safeway's Just for U Deals

Safeway is on the forefront of personalized grocery deals with its Just for U online savings program. If you shop at a Safeway or its affiliates (Dominick's, Randalls, Tom Thumb, Vons) you have probably seen signs urging you to sign up for Just for U. Signing up is a no-brainer — once you're using Just for U, you'll have access to discounts above and beyond the weekly advertised sales. […]

Best Money Tips: Retirement Questions People Forget to Ask

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on important (but often forgotten) retirement questions, easy part-time jobs, and work-life balance tips. Top 5 Articles 9 Crucial Questions about Retirement People Forget To Ask — Are you really going to retire? […]

When Is Checked Baggage a Good Idea?

A high percentage of travelers make it a point to avoid checked baggage whenever possible. The extra fees, transportation issues, and need to lug it up multiple flights of stairs in historic hotels make the entire process more feel like more effort than it’s really worth. […]

Do You Take a Lunch Break at Work?

Here's a Moneyland piece that contrasts two views of taking a lunch at work: It's just another office task to cram into some portion of an already too busy workday. It's a midday break that can be mentally rejuvenating and, in some ways, more productive than staying glued to your chair. I actually believe both are right. […]

Star Money Articles and Carnivals for the Week of Aug 13

Here are some pieces I found especially worthwhile and some of the carnivals Free Money Finance was in this week: Work Save Live offers an irregular income budget. Moneylicious discusses shopping unconsciously. Budgets are Sexy is considering getting into real estate investing. Freedom Thirty Five Blog details the value of human capital. […]

Consider a Cheaper Neighborhood (228/365)

When Sarah and I were shopping around for our home, we looked at the options available in several different communities. During our first rounds of looking at housing, we looked in more affluent neighborhoods. The homes were beautiful and the neighborhood seemed very friendly and well-kept, but the prices were often astronomical. We kept looking. […]

Possible $75 Cashback Bonus for Current Discover Cardholders

My pal Jim over at Bargaineering recently wrote about a $75 cashback offer that he received from Discover. What’s remarkable about this offer is that it’s associated with a card that he’s had for over a decade as opposed to being a signup bonus. All he has to do is spend $1k on this card by September 30, 2012 and he’ll get the bonus. […]

Pros and Cons of Making Money By Donating Your Bodily Fluids and Eggs

We live in an amazing medical time where people who cannot conceive can have children thanks to sperm and egg donors, and people who would otherwise die of cancer can live a full life thanks to bone marrow donations. […]