The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 273)

A Deeper Look at Dave Ramsey’s Seven Baby Steps

I would estimate that as many as 10% of the emails I receive from readers reference the books, classes, or radio shows of Dave Ramsey. […]

The Last Bit in the Container

It happens over and over again in life. You’re using a tube of toothpaste and you’ve used enough so that it’s becoming difficult to squeeze out the remainder. You’re eating a bag of chips and all that’s left are a bunch of crumbs at the bottom. You turn over your shampoo bottle to get a little for your hair and find that it’s not coming out very fast at all. The container’s almost empty. […]

A Great Weekend

My three year old son loves to cuddle with me first thing in the morning. He’ll climb into bed, find a warm spot next to me, and then lay there for a while. He’ll whisper things in my ear and squirm around, but he mostly lays still and sometimes dozes a little bit. […]

Ten Pieces of Inspiration #168

Each week, I highlight ten things each week that inspired me to greater financial, personal, and professional success. Hopefully, they will inspire you as well. 1. […]

Establishing a Difficult but Rewarding Habit

The process of moving from spending all that you earn (or more) to spending significantly less than you earn is an absolutely essential part of gaining control over your finances – and it’s not easy. It involves upsetting a lot of the habits that you’ve established in your life. At the same time, you also have to establish new routines as well. […]

Best Balance Transfer Credit Cards for 2015

The best balance transfer credit cards will save you money on your current credit card debt. If getting out of debt is a top priority in 2015, you’ll want to make the move to one of the cards below. How can you cure your credit card debt with another credit card? […]

The Greater Implications of Frugality

Maria writes in: Do you ever write about the political and social implications of frugality? When you choose not to spend and instead invest your money, you’re either supporting the banking industry or brokerages. Every dollar you have makes some sort of statement, even when you choose to save it. Maria makes a good point. […]

The Hows and Whys of a Target Retirement Fund

You’ve finally decided that you need to start saving for retirement. You’ve taken that first step of signing up for a 401(k) or a 403(b) or a Roth IRA. The next step is a doozy, tough. You see tons and tons of investment options. How do you know which one to choose? You turn to guides for retirement and see lots of advice. Many suggest a Target Retirement Fund. Why? […]

Reader Mailbag: The Discarded Dreams

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. Starting a business 2. Spreading hobby costs socially 3. General life insurance question 4. Making major financial decisions 5. St. Patrick’s Day frugality 6. Buy it for life? 7. Using Roth for child’s education 8. […]

Does Good Debt Exist?

A long while ago, I wrote about the idea of good debt and bad debt: There are several fairly similar definitions of each kind of debt, but generally they either revolve around the terms of the debt (low interest rate debts – usually below 7% or so – would be “good debt”) or the purpose of the debt. […]