December 27, 2012

The Bad News About Tax Refund Anticipation Loans

A Tax Refund Anticipation Loan (RAL) is a type of loan that many tax preparation companies offer, which is essentially an advance on your expected tax refund.  A RAL loan can be approved in a manner of minutes and the money accessible within a day or two. Since these loans are secured by your tax return, there are no credit checks or long approval times. […]

Think About Why You Want Something (361/365)

Each year, my extended family usually requests that I make up a wish list at to make it easier for them for gift-giving purchases. I don’t mind doing this at all, because it helps them out. The problem with this is that I struggle for things to put on my wishlist. […]

Naked With Cash

It’s time to get naked! Naked With Cash is a series and feature at Consumerism Commentary where selected readers anonymously and publicly track their finances. Each month, the seven participants share their financial reports, exposing the results of their recent, everyday, financial choices. […]

Going Bald? How to Improve Your Confidence & Financials

Donald Trump is famous for his business prowess, but maybe even more so for his infamous comb over. In a society that values youth and attractiveness, noticing you are beginning to lose your hair can be emotionally difficult. […]

Reader Mailbag: Christmas Week

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. Credit score and car question 2. Returning Christmas gifts 3. Negative credit card balance 4. New Year’s Eve party planning 5. Saving money on a cruise 6. Starting out with home renovations 7. 529 plan recommendations 8. […]

What are Required Minimum Distributions (RMDs)?

One of the best things you can do for your future is to use a tax-advantaged retirement account to save for the future. Your retirement plan can put you ahead in your finances, and ensure that you have the money you need for a comfortable retirement. […]

4 Tips for Making Resolutions Stick in the New Year

New Year’s resolutions have become a bit of a cliché, especially when you consider the statistics — according to a 2002 study published in the Journal of Clinical Psychology, only 19% of people who make resolutions are still sticking to them after two years. So what’s the point? As much as I cling to the cynical view, I’m all for resolutions for one simple reason — results. […]

25 Fun and Cheap Entertainment Ideas From "The Vampire Diaries"

“The Vampire Diaries” is a hugely successful television program, particularly among younger viewers. With love triangles, immortal drama, and multiple supernatural species, there’s lots to love. After watching several seasons of the show, I’ve come to realize that having so many teenage characters actually builds in a certain educational element. Why? […]

Getting rich slowly on my own terms

Over the last six months, I have had several articles published at Get Rich Slowly. However, I have never had the pleasure of formally introducing myself. My name is Holly Johnson, and I am a 32 year-old wife and mother of two young children. I work alongside my husband at a small family owned mortuary in the rural Midwest. […]

Best Money Tips: The Best and Worst Baby Buys

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on the best and worst baby buys, ways to budget your bucks, and saving money on your car insurance. Top 5 Articles The Best and Worst Baby Buys: 12 Months Later — Infrared baby monitors can be a good buy while a cheap glider chair might not be such a good investment. […]

Watching Tots: How to Get Started in Babysitting

Babysitting is widely regarded as a teenager’s job, but there’s no reason why adults can’t scoop up these well-paying gigs, too. […]

Pay It Forward by Re-Gifting

The story’s unfolded countless times, with many variations. The recipient of a thoughtfully wrapped holiday gift tears off the shiny paper to find a lovely present, and as she’s casting the gift box an admiring glance, a card tumbles onto her lap. “How nice!” she thinks. “The gift-giver cared enough about me to include a hand-written card with this very considerate gift. […]

Do You Pay Your Kids for Good Grades?

Here's a piece from the Wall Street Journal that debates the pros and cons of paying your kids for getting good grades. So my question for you today is this: Do you pay your kids for good grades? We do not pay our kids for grades. However we have set up an incentive plan for our daughter. […]