November 15, 2011

Free Money Finance Matching Your Salvation Army Donations Up to $5000!

We here at Wise Bread love hearing about bloggers giving back, so when we heard about Free Money Finance's $5k Red Kettle Challenge fundraiser for The Salvation Army, we had to share it with our amazing readers. The Mission: FMF $5k Red Kettle Challenge FMF has always been big about giving to charity. […]

OptionsXpress Review: Stock Investing and Options Trading

For a limited time, optionsXpress is offering a $100 cash bonus for all new account sign ups when certain requirements are met. You can find out more details below. […]

Happy Birthday to the Millionaire Next Door! I and My Net Worth Thank You!!!

Dr. Thomas Stanley recently announced that this fall is the 15th anniversary of the publication of The Millionaire Next Door. I got one of the first copies, read it (a couple times), loved it, and applied it to my life. Since then, my net worth has skyrocketed and I've benefitted tremendously by the findings/advice. So thank you, Dr. Stanley. […]

Is Your Home an Investment?

Monica writes in: Some personal finance books seem to treat a person’s home as an investment. Others don’t treat it that way at all. I’m confused as to whether I should look at my home as an investment or simply as a living requirement. […]

Any Readers Want to Tell Your Story?

The Reader Profiles series has been pretty popular around here. So far we've done 39 posts and, while we still have a few in the hopper, I wanted to let you all know that I NEED MORE of them to keep the series going. So if you're a reader and are willing to answer five simple questions (it's all anonymous), then drop me a line and I'll give you the details. Thanks! […]

Zero Percent Balance Transfers May Be Too Good To Be True

Americans are strangled with credit card debt. If you’re the average household, you have a balance of $15,800 at an average APR of 14.89%. That’s $2,352 in interest payments annually. […]

Citi Diamond Preferred Card – 0% APR and $200 Statement Credit Bonus

A hot new credit card offer just came across my desk, and just in time for the holidays. The Citi® Diamond Preferred® Card has a special offer going that will give you a $200 statement credit when you make just $500 in online purchases within three months. This makes it one of the most generous offers available today. […]

Kids & Money: Books To Help Your Child Learn About Money

So far, I’ve been fortunate in that my son has proved reasonably receptive to my efforts to help him learn about money. He still makes money mistakes, as we all do, but he’s pretty good at correcting them when the consequences are pointed out to him. […]

Update on How I'm Using My 6% Cash Back Card

It's been a couple of months since I posted my new credit card strategy. In that article I noted how I was buying gift cards at my grocery store and earning 6% cash back on my American Express Blue Cash Preferred card. […]

What Makes for a Rich Life?

One theme you’ll see pop up time and time again in personal finance and personal growth writing is the idea of a “rich life.” Usually, if that idea is expanded on at all, the “rich life” idea tends to involve a few ideas of what the writer thinks everyone should have in their life, like time with their family or a full social calendar. The idea of what makes a “rich life” seems to be more of a re […]

The Best Holiday Gift: A Shared Experience

You’ll never reach the top level in Abraham Maslow’s hierarchy of needs, self-actualization, if you concern yourself with your possessions. If you focus on acquiring gadgets, showering your children with toys, or achieving other materialistic pursuits, if you do so while neglecting the pursuit of including satisfying experiences in your life, you can never reach your full potential. […]

Spend on the Things You Do Every Day

This post is from staff writer April Dykman. I used to be guilty of spending money on the life I thought I lived, rather than the life I was actually living. To illustrate what I mean, consider the following past expenditures: Snowboarding apparel, for my first and only snowboarding trip to date. Evening dresses from […]

Ask the Readers: How Do You Save On Thanksgiving?

Thanksgiving is right around the corner which means it’s time for the three f’s: family, feasting, and football. Putting together a delicious Thanksgiving meal can cost quite a bit of money. Throw in the need for some festive decorations, and the cost of Thanksgiving can really add up! […]

How to Spend Less Without Starting a Budget

Some of the most common advice for helping someone spend less is to start a budget, but this approach doesn't always work. (See also: The First Step to Budgeting) With a budget, it's easy to get used to how much money you spend because you are so accustomed to seeing the total on a monthly basis. […]

25 Tasty Topping Ideas for Rice Cakes

When people start looking for ways to cut calories, one of the first products they tend to reach for is rice cakes. While I’ve previously thumbed my nose at them, a recent haul of generic items at my local Winn Dixie has me listing rice cakes at the top of my grocery list. […]

Best Money Tips: Financial Gifts for Children

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on financial gift ideas for children, preventing airport spending, and fun things to do for free or on the cheap. Top 5 Articles 10 Fantastic Financial Christmas Gift Ideas for Children — One great financial gift idea for a child: savings bonds. […]

How to Set Up Automatic Payments

Using automatic payments allows you to pay your bills on auto-pilot. You don't have to sit down and write out checks to mail to your creditors each month, and you don't even have to log into your various online accounts to pay your bills online, either. […]

Focus on Net Worth Over Income

Dr. Thomas Stanley tells us that those who have become wealthy do so in part because they focus on net worth over income. […]

15-year fixed mortgage rates are below 3%

Fixed-rate mortgages are almost as cheap as the teaser rates on adjustable-rate mortgages of a few years ago.  The average rate on a 15-year fixed rate mortgage for today (November 15th, 2011) stands at 2.97%.  (Note: It was at the time I wrote this post.  Rates change all the time.)  Rates haven’t been this low in at least fifty years.  Some new car financing isn’t this low, and the terms on new […]