December 9, 2013

Why You Need Credit — and How to Build It From Scratch

This post is brought to you by Discover it. One of the most important aspects of your finances is your credit score — it’s basically your financial reputation. […]

It’s Never Cheaper to Buy Two: Why “Buy One Get One” Sales Often Don’t Work

On the surface, a “buy one get one” sale sounds like a good deal. “I really want two shirts and if I buy one shirt, I can get the other one for free!” “I really want two games and if I buy one game, I can get the other one for 50% off!” Almost everyone is on board with those kinds of deals. The problem is that, in reality, deals don’t quite work out like that. […]

Should You Work for a Non-Profit Organization?

As I’ve mentioned often on Consumerism Commentary, after a a false start or two with jobs following my undergraduate studies, I started my career working for a non-profit organization involved in the arts. I followed one of my passions without considering my financial needs. […]

Reader Mailbag: Snowblower Repair

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. Stocks before emergency fund? 2. Curbside furniture salvage? 3. Planning for early retirement 4. Alcohol and holiday celebrations 5. Lending money to a friend 6. Do CDs make sense? 7. Public speaking opportunities 8. […]

Good investing habits that make your primitive ape brain hurt

Claes BellBy almost any measure, the average American is pretty terrible at investing. Between 1993 and 2012, individual investors earned an average annual return of 2.3 percent, according to a study by DALBAR, a financial services market research firm. […]

7 No-Fuss Wine Destinations Anyone Can Visit (and Enjoy!)

Wine-tasting can be a reasonably frugal activity, or it can be a very expensive one. If you are staying in a very popular area with a developed high-end tourist industry, like Napa, where hotels and restaurants are expensive, then your costs can rapidly skyrocket. […]

5 Best Amazon Deals for Monday 12/09

40% Off Razor Scooters and Ride-Ons - For a limited time, save 40% on Razor kick scooters, electric scooters, balance bikes and more. SanDisk Cruzer 16 GB USB Flash Drive $6.99 - Take it all with you on reliable SanDisk USB flash drives. 40% Off Dora Favorites - For a limited time and while supplies last, save up to 40% on select Dora favorites in toys, books, movies, apparel, and more. $39.99 […]

10 Green Gifts for the Treehugger in Your Life

If you're in the market for gifts with a sustainable slant, you've come to the right place: We've thought of something for every kind of environmentalist. With these 10 excellent gift ideas, you're sure to find something to please your favorite treehugger. (See also: Ultimate Gift Guide for Every Budget) 1. […]

When the right choice isn’t obvious

This post is by staff writer Honey Smith. What do you do when the right choice isn’t obvious? Earlier this month, I said that my husband Jake and I had reached the last straw with regard to our current place. Accordingly, we looked at a bunch of rentals. We anticipated that this was going to be a challenging process because Jake and I value different things in homes. […]

Best Money Tips: What to Buy in December

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on the best and worst things to buy in December, winter car maintenance tips, and tools to find promo codes. Top 5 Articles The Best and Worst Things to Buy in December — Avoid buying jewelry in December but go ahead and purchase tools or hardware. […]

How to Know When to Persevere and When to Quit

Vince Lombardi said that "winners never quit, and quitters never win." Lombardi was a great man, but he lied. Look at the life stories of successful people, and you will see that many of them have had to abandon ventures that just did not work out. On the flip side, clinging to an impossible dream has wasted many an otherwise promising life. […]

10 Cheap, Handmade Gift Wrapping Ideas

Link for teaser title: Instead of filling the trash with expensive, one-use-only wrapping paper this year, use these ideas for wrapping that is as unique as it is frugal. […]

Millionaire Interviews 14

Here's the latest in my series of millionaire interviews, discussions with everyday people who have practical tips and insights into growing and managing wealth. My questions are in bold italics and their responses follow in black. Let's get started... How old are you (and spouse if applicable, plus how long you've been married)? 66, retired at 55. Female. […]

How to Buy Art as Gifts

Link for teaser title: Beautiful, original pieces of art make for excellent gifts, and they don't have to be expensive. Learn how to find the right one for your loved one at a price you can afford. […]

Preaching financial moderation

It may be old age creeping on, but I seem to increasingly find my financial advice advocating moderation — a balance between two more extreme courses of action. The following are several examples: Personal budgeting. I’ve been known to be an obsessive planner, but I don’t actually have a household budget. […]