April 21, 2014

Underpromise. Overdeliver.

One common tactic that people use to wow their clients or bosses is to promise a little less than what can be achieved, then deliver more than what was promised. If you promise everything you think you can achieve, you create a very tight and difficult schedule for yourself, one that’s prone to disaster if you begin to fall behind, and you’re also struggling to simply deliver what was promised. […]

Two Invalid Criticisms of David Bach’s Latte Factor

More than seven years ago, I encouraged readers to forget about the Latte Factor. The Latte Factor — a registered trademark — is the core marketing message from personal finance guru and author David Bach. The concept uses a daily morning latte as a metaphor for all small, habitually repeated expenses, that add up to a lot of money over time. […]

Reader Mailbag: Mushrooms

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. Balancing savings and risk 2. Cheap automobile situation 3. Finding auction deals 4. Property and income tax 5. Children and careers 6. Archiving old magazines 7. Trying to avoid more mistakes 8. Prepping for a home sale 9. […]

Why I Love Using Skype to Keep in Touch With Family and Coworkers

Skype has been a daily part of my life and the life of my family for over four years. I depend on Skype every day for my professional life, and my family counts on it to keep in touch with relatives in Canada, Europe, and the Philippines. If you’re a Wise Bread reader, you’re probably already savvy enough to be using Skype to make free Skype-to-Skype calls. […]

Cutting grocery bills: Aldi and bulk-food stores

This article is by staff writer Lisa Aberle. No matter what I do, we’re still spending more on food each month than I want to be spending. Two of my weapons in the battle to lower my food bill that I haven’t talked about yet are Aldi and bulk-food stores. One thing I don’t like to do is stop at several different stores, so I don’t shop at all stores every week, or even every two weeks. […]

Weird Money Facts: Why We Throw Money in Fountains

How many times have you passed a fountain and thought about throwing a penny in there, just on the off chance that a dream could come true? And how many fountains have you seen that didn't have coins in them? Chances are, they're few and far between. (See also: 40+ Simple Ways to Waste Money) Throwing money into fountains is something we all seem to take as the norm. […]

You Won't Believe How Good These Low-Calorie Desserts Taste

Craving a gooey, delicious dessert? Yeah. Me too. Though I try my best to keep my inner sugar-fiend under control, I certainly like to indulge, I'll admit, daily. So, over the years I've learned to save the calorie-loaded confections for special occasions. […]

The Importance of a Thank You Note

There's a newsletter that gets passed around our office that recently quoted the following: According to a CareerBuilder survey, 58% of employers said it's important to send a "thank you" after an interview; 24% said it's very important. We've discussed this issue a lot in the past. […]

26 Quick Ways to Have Fun (No Matter Where You Are)

Whether you are stressed or tired, bored, or blah, or just looking to make your life better than it already is, having fun makes you happy. However, sometimes you have to be intentional about cultivating fun in your life. While there are millions of ways to have fun, it can be hard to think of these things when you're not at your best. Here is a short list to get you started! […]

Best Money Tips: Financial Commandments for Your 30s

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some amazing articles on financial commandments for your 30s, saving on summer travel, and improving your home. Top 5 Articles 10 Financial Commandments for Your 30s — In your 30s, rethink your budget and increase your emergency fund. […]

20 Places to Find the Best Freebies

"They" say that nothing in life is free, but maybe they're just not looking in the right places. Check out these 20 places to score lots of stuff without spending a dime. (See also: Get These 5 Things for Free) 1. MySavings MySavings.com corrals free samples from many different brands in one place. […]

You Should Always Negotiate a Raise: Here Are 10 Reasons Why

The idea of negotiation may send you into a tailspin, but recent research indicates you may want to overcome your fear. For many people, the "ask" is a high barrier, one that helps companies across the country keep salaries and, consequently, costs low. According to the experts, salary negotiations offer many benefits to an employee. Surprisingly, they aren't all about the money. […]

Time to think about taxes, again!

Yes, I know we’re just past last year’s tax season, but good tax planning works only if we start early enough for the current year. Having last year’s tax return still fresh in memory gives us a great start for next year’s tax planning. Understand how your income is being taxed Do you know what your effective tax rate is? Do you have more than one income source? […]

Can CDs be a good place for your emergency fund?

Darci SwisherIf your emergency fund is sitting in a savings account that pays virtually nothing you might consider investing those dollars in a certificate of deposit. CDs are just as safe and you’ll earn a little more interest. The only caveat is that you’ll have to make sure you don’t get hit with stiff early withdrawal [...]Can CDs be a good place for your emergency fund? […]