December 1, 2011

How Does Your Credit Score Compare?

Yahoo lists the average credit scores by age as follows: 18-24 years old; Average credit score: 638 25-34 years old; Average credit score: 652 35-44 years old; Average credit score: 659 45-54 years old; Average credit score: 685 55+ years old; Average credit score: 724 Obviously credit scores get higher as people get older. […]

Finding Things to Do That Don’t Involve Continually Spending Money

A reader writes in: “It seems like so many people who write in are caught up in our consumer-driven society, and I think we all struggle sometimes with having “nothing better to do” than shop. Besides contributing to rampant debt, shopping is like an addiction that satisfies boredom, and leads to fake fulfilment and non-productivity. […]

Personal Capital Review

What if you have investment accounts, more than one mortgage, banks accounts and credit spending scattered all over the place? […]

Why Americans Take Fewer Vacation Days

In most workplaces throughout the United States, employees receive vacation days to use every year as a benefit, and in some cases, unused vacation days expire at the end of the year. According to the latest survey by Expedia, on average, Americans earned 14 vacation days this year but used only 12. […]

Does the IRS Owe You Money?

According to a blurb on CNN/Money, the IRS is sitting on a little more than 99k undelivered tax refund checks totaling $153M. The checks in question, worth an average of $1547 each, were returned to the IRS due to mailing address errors. […]

Betterment iPad 2, Kindle Fire, and Nook Giveaway

Santa is coming early this year because I’ve got a great giveaway for you. I’ve teamed up with a few other bloggers and Betterment to bring you some great prizes. We are giving away three great tablets: a Nook, a Kindle Fire, and a 16 GB iPad 2. That’s three chances to win. Thanks to Betterment This giveaway is in large part thanks to Betterment. […]

Another Plug for the Thank-You Note

Have I beaten the "you need to write a thank you note after you have an interview" drum enough? […]

10 Ridiculous gadgets worth the money. Maybe.

I’ve bought a few ridiculous gadgets over the years. Go ahead and throw me your best side-eye and squint in my direction with a little indignant disdain. I can take it. But hear me out for a second, ’cause most days I’ll only purchase products with proven value, need, and quality. […]

Spirituality and Money: How to Make Holiday Gifts Meaningful

This article is written by Consumerism Commentary’s columnist, Ellen Cooper-Davis. Ellen’s column looks at the role of spirituality within the context of personal finance. For an introduction to this column, see Ellen’s first article, The Pastor and the Purse. Your feedback is welcome. We know by reports of the annual feeding frenzy that the gift-giving season is fully upon us. […]

Reader Mailbag: Winter Hands

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. Splitting up retirement contributions 2. Surveys at retail shops 3. Investment or debt? 4. Gum as impulse buy 5. Outsized medical bill 6. Breadmaking tip 7. Avoiding Christmas 8. Savings bonds and student loans 9. […]

Why Most of Us Won’t Change Banks

This post is from staff writer Sarah Gilbert. Did you ever look at a bank’s website and think to yourself, “Why would they give you free bill pay when they charge for everything else?” Even with the super-restrictive accounts that limit ATM deposits and withdrawals; put holds on most of your checks; and demand monthly fees or regular savings transfers; bill pay is usually offered free. […]

Money Leaks: Warming Up Your Car

As winter approaches North America, temperatures are falling. Just a few weeks ago, we had our first few snowflakes and freezing temperatures; though that went by without much incident. When the temperatures drop, one money leak begins to creep its ugly head – warming up your car. Warming up your car refers to turning on the engine and letting it run idle to “warm” it up. […]

Deep Discounts on Schedule: The Best Days to Shop

I grocery shop every Saturday afternoon. I do it because it’s convenient, and I don’t mind the crowds. As it turns out, I’ve been getting it all wrong. Recent data suggests I may save more if I shop on Sunday instead. In fact, there’s a best time of the week to almost everything. […]

31 Great Gifts That Keep on Giving

If you're wondering what kind of gift to buy for the person who already "has it all" this holiday season, you're not alone! It's hard to come up with new and creative ideas for that special someone. But don't fret. If you're looking to buy a gift this year that won't fade away once the newness wears off, then you've come to the right place. Take a look at these gifts that keep on giving! […]

Best Money Tips: Spend Less This Holiday Season

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on spending less this holiday season, how to save money fast, and tips for overseas travel. Top 5 Articles 5 Ways to Spend Less This Holiday Season — To spend less money this holiday season, consider going in on joint gifts with other people. […]

How Much are Your Vices Really Costing You?

Do you drink beer? Do you smoke cigarettes? Do you love your morning latte on the way to work? Of course you do. But these little habits may be costing you more than you think and doing serious damage to your financial future. I’m not knocking your vices — we all have them — but many of us also make the mistake of not realizing just how much those vices actually cost us. […]

Six Steps to Making a Successful Low-Ball House Offer

Smart Money lists six steps to take to make a successful low-ball offer on a home as follows: 1. Understand the market2. Pick the right real-estate agent3. Back up your price4. Know what you're willing to pay5. Make a clean, easy offer6. Be smart about a cash deal I have to say that this is a GREAT list IMO. […]