May 11, 2009

Gum Surgery Extracts New Frugal Lessons From My Head

Oral surgery has left stitches in my mouth and a new frugal pattern on my brain. I've learned to be more frugal with time, money and words. This is what I have learned:Talk less/work more: How much work can I get done when it hurts to talk and smile? A lot! Oral surgery deposited more time in to my work day. […]

Your Credit Card Minimum Payment Costs More Than You Think!

The costs of paying only the minimum on your credit cards. The Cost Of Credit Card Debt Paying off your credit card debt completely is one of the biggest financial accomplishments you can experience in your lifetime, especially if you’ve been living with (drowning in?) debt for a long time. […]

Blessing Boxes Keep on Blessing

A couple months ago I wrote about how we've been having fun giving out blessing boxes to various people. At that time, we'd only given out a couple, but since then we've handed out three more in the following situations: One family that has served as the head of a volunteer organization we belong to. […]

Child Proof Your Electrical Outlets to Cut Energy Costs

Sticking a simple child proof plug into your electrical outlets could save you 5% on your energy bill this year. Who knew that doing something to protect your kids could also protect your bank account! I discovered this child proofing fact after hiring a certified energy adviser through the Canadian ecoACTION program to evaluate my home. […]

Confirmation Bias and Your Money

Over the last few weeks, I’ve been involved in a very interesting discussion with a reader who wanted to know why I thought index funds were such a great investment strategy. I pulled out a huge array of quotes and experts that support my claim. […]

The Personal Finance Hour, Episode 8: Pets

How much do you spend on your pets? Are pets worth the money? How can you keep costs down? Those fuzzy little critters are the topic later today on the 8th episode of The Personal Finance Hour, a BlogTalkRadio program all about personal finance. […]

Can Money Buy Happiness?

After tackling the love work/money relationship, I thought this would be a good question to debate: Can money buy happiness? Before I give you my thoughts, here's what US News recently said about this issue: The old adage goes "Money can't buy happiness," but people usually mean "Material goods can't buy happiness." Spending time with the wife and kids on a camping getaway costs money, but […]

I’ve Been Audited by the IRS - Understanding the Different Types of Audits

Not All Audits Are Created Equal It was last Friday that I was walking back from the mailbox and flipping through the mail that I saw one of the most dreaded envelopes you could imagine. It had the IRS logo and information in the return address spot. I knew that any letter from the IRS at this time of year has probably anything but good news in it. As I open it, I’m expecting the worst. […]

2008-2009 Best Home Value Remodeling Projects

Every year, Remodeling Magazine publishes a list of home projects, their estimated costs, their resale values, and how much you can expect to recoup whenever you sell your home. […]

And Yet Another Millionaire Says the Same Thing

I'll probably get a ton of flack for this post (as I do on many around this subject), but at some point people need to start listening to people who are where they want to be. For instance, if you want to be a millionaire (or multi-millionaire), who do you listen to, someone who's not even close to that goal or someone who's already surpassed it and knows what works? […]

Best Deals For Monday 5/11/09

By Paul Michael Today's Wisebuy: New Balance Shoes SLASHED - Starting at just $8 plus s/h at 6PM.Com (dealnews) has reduced 358 styles of New Balance shoes for men, women, and kids by 70% off. Prices start at $8.40, with $6.95 for shipping.   1. FREE Nescafe Taster's Choice Stick Pack (sample) Limit one sample pack per person and maximum 2 samples per household or address. […]

Reader Mailbag #62

Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance topics and many other things. Got a question? Ask it in the comments. You might also enjoy the archive of earlier reader mailbags. As usual, we’ll start things off with a few links to older articles that directly answer questions I’ve heard recently. […]

How Much Life Insurance Do You Need?

In writing about how to save money on life insurance, I mentioned that you shouldn’t buy too much coverage. After all, if you buy more insurance than you need, you’re just throwing money away. But that begs the question… How much life insurance do you need? Unfortunately, there are no easy answers. […]

Developing an Investment Policy Statement

I’m in the process of consolidating all of my investments under one roof. This includes: My Roth IRA (currently with Sharebuilder) My profit-sharing pension through the family box factory (currently with Vanguard) My self-employed 401(k) (now at Fidelity) My non-retirement accounts (scattered hither and yon) Between these accounts I have a large sum to invest. […]

Education Opportunities for the Unemployed

Although the latest figures indicate job loss is slowing, at 8.9% the unemployment rate is continuing to increase. Some unemployed individuals who want to take classes to build skills while looking for a job experience some roadblocks: Searching for work can be a full-time job. […]

10 Things To Do Before Creating Your Next Budget

Before you create your next budget or monthly spending plan - 1.  Track your spending for one month. Use a spreadsheet, pen and paper, or online software, and track your spending for one month.  Track all payments - including those made by check, debit card, cash, (and credit card, if you choose to use one).  Remember to also include any payments that are automatically withdrawn from your checking […]

2011 Sales Tax Holiday Schedule

Who loves taxes? No one! So it’s no surprise that sales tax holidays are popular with most people. Several years ago, only a few states took part in a holiday on sales tax. Over the years, more and more states have taken the plunge (or at the very least discussed the idea – it’s hard for a politician to vote against a sales tax holiday) and consumers absolutely love them. […]

Free eBook -- Everything You Ever Really Needed to Know About Personal Finance On Just One Page

Trent at The Simple Dollar has created a new ebook that he's giving away free. If you want a copy, simply go to the book's page on his site and download it. It's that simple. The book is titled "Everything You Ever Really Needed to Know About Personal Finance On Just One Page" and it's just that -- and more. […]

Help Make Wise Bread Better (and Win a Flip Camcorder)

By Linsey Knerl You already know all about us.  You know Julie just celebrated her 24th wedding anniversary, that Philip got featured by his hometown paper, and that WC Porter is conquering his copy of Fallout 3.  Now we would love to know a little about you!  Knowing what you like to see on Wise Bread helps us provide better content, giveaways, and promotions. […]