May 12, 2014

Focus On The Loan Principal

A few basic terms – loan principal, interest, and interest rate. The loan principal is the amount of money a borrower receives from a lender. Interest is the fee that the borrower pays to the lender, for the right to borrow the loan principal. The interest rate is the rate at which interest is paid to the lender. The interest rate is usually expressed as a percentage of loan principal for a perio […]

Seven Simple Tactics We Use to Keep Summer Energy Bills Low

During the winter, we use a number of tactics for maximizing the effectiveness of our energy use. In Iowa, winters can get quite cold – we reached -20 F at our home several times this winter – and knowing how to maximize the energy that your furnace uses can make a huge difference when the energy bill comes. Now that we’re heading toward summer, the goal is a little different. […]

Reader Mailbag: Mother’s Day

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. Saving for a house 2. Partner doesn’t trust banks 3. Minimizing grocery store trips 4. Help with investment risk 5. Home disclosure 6. Copying library audio book 7. Board game advice 8. Yard sale advice 9. […]

What type of procrastinator are you?

This post is by staff writer Honey Smith. Aah, procrastination. Controlling our time can be difficult, and most of us are intimately familiar with the act of delaying the act of starting or completing a task. […]

10 Debt Reduction Quick Tips

Are you working hard to get out of consumer debt? Awesome! Check out these 10 Quick Tips – ways to decrease spending, increase savings, and speed up your debt reduction - Early and Often After making regular monthly payments on all accounts, make extra principal-only payments as soon – and as often – as you can. […]

Help a Reader: Retirement Tipping Point

Here's an email I recently received from a reader: I have a question to which I haven't been able to find an answer online. I'm currently 32, have about $25,000 in my retirement accounts, and contribute approximately 18 percent of my income to my employer-sponsored plan and Roth IRA. I'm wondering when, if ever, I can stop contributing to these plans. […]

Traveling abroad requires planning at home to avoid unexpected fees on credit card and cell phone bills

Jen A. MillerMy big trip this year is a 10-day Italian vacation. I’m excited, but I’m also doing a lot of planning beyond where to get the best pizza and what shoes to bring. […]

How to Turn Your Black Thumb Green

It's that time of year again. Spring is… springing. If you live in a place with four seasons, like me, then the trees are starting to bud, the tulips and daffodils are blooming, and you're starting to think about adding to the natural beauty in your little corner of the world by planting something. And some of you are terrified. I know that feeling. I am a reformed plant killer. […]

Best Money Tips: Inexpensive But Romantic Dates

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some amazing articles on inexpensive date ideas, ways for families to save money in May, and making your wedding venue more affordable. Top 5 Articles 39 Inexpensive But Romantic Dates You Won't Forget — Stargazing or volunteering are just a couple inexpensive yet romantic dates you won't forget. […]

Why You Should Never Feel Guilty About Eating Ice Cream

In today's age of calorie counts on menus, attempts to ban "big" sodas, and constant chatter about nutritious school meals, it may seem that something as indulgent as ice cream would have no place in a healthy diet. Depending on where you buy it, the stuff packs — on average — 140 to 230 calories per tiny half cup. Most of us eat far more than that in a single sitting. […]

Multivitamins Aren't as Good as You Think: Eat These Real Foods Instead

Before you head to the store, take heed! You don't need to stock your medicine cabinet with expensive vitamins and supplements to experience optimum health. In fact, many experts agree that concentrated pills are often a waste of money. And some popular vitamins may even be harmful to the body if taken incorrectly. […]

5 Money Lessons I Learned From Watching Wheel of Fortune

"Wheel of Fortune" is one of America's longest-running game shows, giving away more than $200 million in cash and prizes since its premier in 1975. But behind all that wheel spinning, hand-wringing, and gown-gazing, the show has something more to offer astute viewers. […]

5 Master's Degrees That Will Drastically Increase Your Earning Power

Deciding whether to pursue an advanced degree is a big decision. Money, time, and pay-off on your investment are all important considerations when weighing the pros and cons of additional schooling. Lucky for you, we've got a list of the five master's degrees that will give you the biggest bang for your buck. 1. […]

Retirement saving: Size isn’t the only consideration

I recently read one of those articles debating whether a million dollars was enough to retire on these days. Mostly, the focus of the article was on the fact that a million dollars isn’t as significant as it used to be due to the impact of inflation. That’s a good point, but it also got me thinking that the size of your nest egg is just one side of the retirement equation. […]