The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 294)

The Challenge of Lifestyle Deflation

It’s a pretty common story. Boy (or girl) wants something. Boy discovers that there’s easy credit available. Boy convinces self that they can just pay the debt later. Boy buys that thing on credit. Boy gets more credit and buys more things. Boy starts realizing the bills and interest are drowning him. […]

Ten Pieces of Inspiration #122

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. Tao Te Ching on mastering yourself “Knowing others is intelligence; knowing yourself is true wisdom. Mastering others is strength; mastering yourself is true power. […]

When Does Couponing Cross the Line Into Diminishing Returns?

A few days ago, I watched an old recorded episode of Extreme Couponing. I’d caught bits and pieces of the show before and had always intended to watch a full episode of the show. Clearly, the people shown on the program were very organized with their spending – and that organization reaped significant rewards for them. […]

Defeating Anger in Money Conversations

I really, really don’t like arguing with my wife. I love her dearly and I respect and value her opinions. Sometimes, though, we just disagree. We see things differently and bring different experiences and thought processes to the table. We might be married, but we are two different people. Those disagreements can easily translate into anger. […]

How Can I Become Financially Independent?

Greg writes in: I don’t see how a person making minimum wage can ever become financially independent. It’s basically impossible. It’s far from impossible. It’s just a matter of priorities. Let’s say you’re single and live in Washington state, where minimum wage is $9.19 per hour. You work forty hours a week for fifty weeks a year, earning $18,380. […]

Reader Mailbag: Rainy Season

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. Check expiration dates 2. Handling salary bump 3. Cash stash 4. “Umbrella” insurance policies? 5. Why bother? 6. Is this frugal tactic safe? 7. Comparing cell phone plans 8. Missing a 1099 9. How is tax return bad? 10. […]

Today Matters. Nothing Else Does.

You might think that with such a goal-oriented perspective and a self-control perspective, I might not focus that much on the value of today. Actually, I believe that today is the only day that really matters. Today is the only day you have to be sure that you’re moving forward on your goals. […]

The Simple Dollar Weekly Roundup: Boston Edition

My thoughts and condolences go out to the people of Boston this week, who are facing the type of situation that every city dreads. My wife and I had already chosen Boston as our place to visit for our tenth anniversary, and we’re more adamant about those plans than ever. The small amount we can contribute to the local economy in Boston won’t mean much, but it will surely help. […]

Three Big Tips for Inexpensive Spring Allergy Relief

My wife is an allergy sufferer. The peak of the pollen season can hit her pretty hard, delivering her a dose of watery eyes and sneezes and some congestion. Because of that, I’m pretty intimately familiar with a lot of the usual treatments to help with allergens. […]

Revising Your Writing, Revising Your Plan

For most of my adult life – and particularly over the past few years – I’ve written several novels and some partial novels. I’m well aware that they’re not good ones, even as I’m writing them. […]