The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 3)

The Cost of Feeling Secure vs. Feeling Stressed

A big stash of cash can help you feel more secure, but there’s a steep cost to keeping that money on the sidelines. That’s why personal finance is about way more than numbers. Modern financial life is about walking a tightrope between stress and freedom, between security and opportunity. Photo: Nick Ares Sarah and I have a large emergency fund by almost any standards. […]

How to Live on Last Month’s Income

Getting a full month ahead with your budget alleviates financial stress and the need to time your bill payments. Plus, it’s like having a one-month emergency fund, and it brings budgeting to life.  For a long while, I’ve been an advocate of You Need a Budget, which is a software package and philosophy that I use for budgeting. […]

How to Live on Last Month’s Income

Getting a full month ahead with your budget alleviates financial stress and the need to time your bill payments. Plus, it’s like having a one-month emergency fund, and it brings budgeting to life.  For a long while, I’ve been an advocate of You Need a Budget, which is a software package and philosophy that I use for budgeting. […]

Rising from the Absolute Bottom

Photo: Pedro Simoes Daniel writes in: I have been a reader of The Simple Dollar for several years. I am writing to you for the first time today because I really need your help and I do not know what to do next. In the last eighteen months, I have lost my job and I have not been able to find another one. […]

Rack Up Credit Card Rewards for Your Business Expenses

If you run a small business — or even just a side hustle with some recurring expenses, such as phone or Internet service — you can reap the benefits of a business rewards credit card. We’ve all heard how much individuals can earn by taking advantage of credit card rewards, but did you know there are a ton of lucrative rewards available for businesses, too? Applying for these cards might be temptin […]

Rack Up Credit Card Rewards for Your Business Expenses

If you run a small business — or even just a side hustle with some recurring expenses, such as phone or Internet service — you can reap the benefits of a business rewards credit card. We’ve all heard how much individuals can earn by taking advantage of credit card rewards, but did you know there are a ton of lucrative rewards available for businesses, too? Applying for these cards might be temptin […]

Questions About IRS Phone Calls, Homemade Pizza, Dollar Coins, Insurmountable Goals, and More!

Photo: Callum Baker 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. Figuring out tax call 2. Multiple income streams or one? 3. Setting unattainable goals 4. Best lottery winnings option 5. Credit cards and emergency funds 6. Gear for homemade pizza 7. […]

Questions About IRS Phone Calls, Homemade Pizza, Dollar Coins, Insurmountable Goals, and More!

Photo: Callum Baker 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. Figuring out tax call 2. Multiple income streams or one? 3. Setting unattainable goals 4. Best lottery winnings option 5. Credit cards and emergency funds 6. Gear for homemade pizza 7. […]