November 15, 2012

Odd Uses for a Credit Card

While perusing the web the other day, I ran across an amusing story about a drunk guy at a Vikings game that was eating ice cream with a credit card. […]

Don’t Buy “Just One More Thing” to Get Free Shipping (319/365)

It happens to almost everyone who shops online. You go to a site to order a specific item that you’ve already decided on. You add that item to the cart and head to the checkout. But wait! The site informs you that if you add just $12 more in items, you can get free shipping on your order! […]

Sadness Inhibits Progress Towards Financial Freedom

Visiting my family this week and through Thanksgiving, I’ve been helping my mother rearrange old photographs, scan some for our online family tree, and place many into albums that will protect them for the future. One of her favorite observations about me is, “You were such a happy baby.” My personality hasn’t changed much. I generally don’t let myself be bothered by the annoyances of life. […]

How Much Will the Payroll Tax Cut Cost You?

A couple of years ago, in an effort to stimulate the economy, Congress passed a payroll tax cut. Even though the tax cut was set to expire at the end of last year, an extension means that the payroll tax cut is good through the end of 2012. As the end of the year approaches, it is clear that the situation is about to come to a head. […]

Reader Mailbag: Family-in-Law

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. W4 deduction concerns 2. Christmas worries 3. Retail hate 4. Degree or debt repayment? 5. Logistics of moving 6. Improving professionally without college 7. Estimated tax problems 8. Financial advisor visit gone bad 9. […]

Side Gig Thursdays: Danny Diamond, Family Magician & Balloon-Twister

This week’s Side Gig Thursdays is about one of Bargaineering’s long time readers – Danny Diamond. I’ve known Danny for several years now and while we haven’t kept in touch as much lately, we corresponded quite a few times over the years (I remember his first website a few years ago, there was a lot of flashing and music on it!). […]

Want to avoid Black Friday madness? Just fill out this application…

This article is by staff writer April Dykman. Last week, Target announced that the Wednesday before Thanksgiving, shoppers can get exclusive access to 20 deals on But there’s a catch. In exchange for sneak peeks and early access, you have to pledge your loyalty to the big box retailer — in the form of signing up for a Target REDcard. Of course, you get more than just early access. […]

7 Secrets to Refinancing an Underwater Mortgage

If you pay your mortgage on time, you may be able to refinance even if you are among the approximately 22% of mortgage holders in the U.S. who are underwater, have been turned down by multiple lenders, and heard that you don't qualify for a new loan. Recently, I spoke with underwater borrowers who have refinanced, one through a government program and another through his current lender. […]

Getting the Most Out of Daily Deal Sites

Groupon and other daily deal sites can be a great way to find and utilize new services in your community or connect with businesses online. However, it’s easy to spend a lot of money on deals and never feel like you’re actually getting a discount. […]

Preparing for the Fiscal Cliff

I'm not an alarmist on the fiscal cliff. In fact, I figure it's almost a non-issue. But that's no reason not to do a bit of preparation. […]

Even More Black Friday Savings Tips From Shopping Experts

Black Friday is widely regarded as the unofficial start to the holiday buying period, and for good reason — most retailers offer deep discounts the day after Thanksgiving to jump-start sales in anticipation of Christmas and Hanukkah. […]

Paying Off Your Mortgage Early: Some Things to Consider

This is a guest post from Richard Barrington. Now for a somewhat controversial subject, at least in financial planning circles: paying off your mortgage early. A great deal of conventional wisdom says you should never pay a mortgage off early. I’ve gone against that conventional wisdom. Twice. […]

Best Ways to Make Extra Money: Start Your Own Business Selling Services

Today we're continuing my series on the best ways to make more money and we'll discuss selling our talents and expertise. If you are looking to capitalize on your abilities, and what you know, you can start a side business selling services. There are a number of options, and you can choose what works best for you, or what matches your talents. […]