December 5, 2011

Wise Bread on Marketplace: Great Homemade Gifts

I love homemade gifts...well, most of them. Around the winter holidays every year, there are always those people who seem to think that anything homemade makes a great gift — it's the thought that counts. I disagree with that. […]

Help a Reader: Investing Advice

Here's an email I recently received from a reader: I have adopted index fund investing as my primary investment pillar.  90% of my investment funding is allocated to three Vanguard total market index funds (total stock market, total bond market, and total international).  I do own some admiral shares of the total market, but don't carry the funds given my allocation in bonds to qualify for the […]

Saving Pennies or Dollars? Home Photo Printing

Saving Pennies or Dollars is a new semi-regular series on The Simple Dollar, inspired by a great discussion on The Simple Dollar’s Facebook page concerning frugal tactics that might not really save that much money. […]

7 Facts Your Doctor Won’t Tell You

As much as I think I’m a pretty good negotiator I know that when I go to a car dealership, I’m at a disadvantage because they have industry knowledge that I don’t. We all have experienced that in our lives. Any job that you hold undoubtedly results in gaining industry knowledge that others don’t have. […]

Developing a Giving Spirit This Holiday Season

Tis’ the season to give. You can do this in a number of different ways. You can make donations of your time, your resources, and your finances. You can mentor students, serve meals at a soup kitchen, spend time with a shut-in or knit baby blankets for newborns in the hospital. […]

Six Marriage Killing Money Mistakes

Marriage is hard work. Managing your money can be hard work. When you combine marriage and money, things can get emotionally heated, and difficult. If you aren’t careful, money can ruin your marriage. As you get ready to wed — or even if you are already married — it’s a good idea to review your financial situation, and talk about the money. […]

11 Popular Toy Fads Throughout The Years

The toy industry is BIG business. Some years back, iPod toys were the rage. These cute, novelty “toys” went hand in hand with your iPod, ranging in price from $14.95 to $29.95 each. Today of course, something else is considered this year’s must have item. […]

IRS: $153 Million in Undelivered Checks

It’s December, do you know where your 2011 tax rebate check is? If you didn’t opt for direct deposit and don’t remember receiving a paper check, your dollars might one of the 153 million dollars the IRS still has in its coffers because they couldn’t get a check out to you (or it was mailed and returned or never deposited). […]

Six Steps to Being Able to Retire Early

Moneyland recently discussed the fact that retiring early isn't about making more money. In their piece, they listed the six "success factors for future early retirees" that make people much more likely to be able to retire early. […]

The Best of Money Carnival

The Best of Money Carnival is now up. Congrats to all participants and especially the winning post, The Complete Guide To Building Wealth In Two Sentences.Enjoy! […]

Reader Mailbag: A Day with Mom

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. SmartyPig update 2. Figuring out debt repayment order 3. Buying elderly mom a home 4. NCUSIF insurance 5. Ending naptime 6. Credit card challenges 7. NACA question 8. Splitting regular and Roth 401(k) 9. […]

Cheaper to Eat at a Restaurant than at Home?

Over the weekend, I ran across a rather provocative article that argued that it’s now cheaper to eat at a restaurant than to eat at home. […]

Saving $300,000 By Age Eighteen

CNN Money is featuring stories from six young Americans, all of whom have managed to save substantial amounts of money as kids. When I was a teenager, saving money was never a priority for me. I understood the concepts, but I was more concerned with other things in my life: my hobbies, activities, school, and friends. […]

Democrats & Republicans Discuss New Payroll Tax Cut

At the end of this year, the payroll tax holiday will expire and workers are going to see their paychecks shrink a little bit. Democrats have proposed a new payroll tax cut that would trim Social Security payroll taxes in half, from 6.2% to 3.1%. Employers would also see the same cut on their side of the payroll tax on the first $5 million of their payroll. […]

8 Overpriced Grocery Items to Skip

Although it is convenient to grab everything at the grocery store, sometimes it's best to only buy certain items and shop for the rest at other locations such as specialty stores or the dollar store. One of the best ways to save money at the grocery store is to keep away from the items that are marked up. […]

Should You Avoid Rewards Cards With Annual Fees?

For years, personal finance experts have exhorted consumers to avoid credit cards with annual fees. (See also: Avoid Bank Fees) The anti-fee mentality is captured in a Yahoo! Finance article called, appropriately, “Why I Avoid Credit Cards With Annual Fees.” I always avoid credit cards with annual fees because they are rarely worth the extra cost. […]

Getting Over the Overdraft: How I Started Saving

This post is by staff writer Tim Sullivan. A few years back, I got a paycheck in the mail and went to deposit it. I left the bank, dropped off a rent check, bought groceries, a sandwich across the street, gas on the way home, and a new album from iTunes to listen to while cooking. I forgot to endorse the check. Normally, this is no big deal for my bank. That day, they decided it was. […]

Best Money Tips: Lower Your Heat Bill

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on tips to lower your heat bill, ways to further your job search, and tips to save money during the holidays. Top 5 Articles 7 Tips To Lower Your Heat Bill — To lower your heat bill, seal the leaks in your home. […]

Quick, Easy, and Festive Cream Cheese Appetizers

Do you need a party snack or appetizer really quickly? You can combine a few items from your pantry and refrigerator with cream cheese for an impromptu party at your home. […]

How Much Closing a Credit Card Impacts Your Credit Score

While we've discussed the fact that opening a new credit card account probably doesn't impact your credit score (and actually could help it), I've never see anything on what closing a credit card account does to a credit score. That is until now.Moneyland highlights the story of Rick Draper, a guy who has close to 40 credit cards -- all designed to get him frequent traveler rewards. […]