The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 297)

Ten Pieces of Inspiration #152

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. H. Jackson Brown on time and dreams “Never give up on a dream just because of the length of time it will take to accomplish it. The time will pass anyway.” — H. Jackson Brown A big dream doesn’t happen overnight. 2. […]

Credit Cards and Annual Fees

As I’ve mentioned before on The Simple Dollar, I’m a believer in the healthy use of credit cards. As long as you keep your balance low and pay it off in full every month, I view credit cards as being almost entirely positive. They help your credit. Many cards provide discounts and other bonuses. They provide consumer protection on many purchases. […]

There Is No Such Thing as a Must-Buy Bargain

Not too long ago, I happened to be visiting a tabletop gaming store that was going out of business. (I don’t think it was due to lack of business – the owner was moving away and needed to close up shop.) Anyway, the store was holding a “Going out of Business” sale, where all of the items in the store were getting marked down more and more as the closing day of the store approached. […]

A Gift That Matters

As we approach the gift-giving season for many families, with Hanukkah starting on November 28, Christmas on December 25, and more than a few families celebrating Christmas somewhere between Thanksgiving and New Years, I wanted to suggest a very thoughtful idea for the young ones in your life. If you have a young child that you need to give a gift to this holiday season – say, a niece, a nephew, o […]

Reader Mailbag: Holiday Preparations

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. Direct investing 2. Not motivated at work 3. High inflation question 4. Collection plate 5. First steps toward investing 6. Talking to friends about money 7. Great “kids and finances” story 8. Signing up for credit cards? 9. […]

The Extra Step

Like almost everyone else, my days are constantly filled with choices about how to use my time. […]

How to Quickly Figure Out Your Retirement “Number”

This article first appeared at US News and World Report Money. At some point during each of our professional lives, we wake up to the fact that we really need to be saving for retirement (hopefully, we figure it out when we’re young). We’re all going to retire, and that means we’re all going to need some money put aside for us for retirement. […]

The First Steps

I received a wonderful question from Jane, a sixteen year old female, who writes: “Last week we had a “consumer education” week at school and our school brought in some financial people to talk to us during homeroom. This made me think about money so I started searching Google and I found your site. What I should I do right now to make my future easier and safer? […]

The Simple Dollar Weekly Roundup: Tradition Edition

Family traditions are a beautiful thing. Families just find a nice way of doing things that they like and they simply repeat it, and the joy of it grows over time. This year, we’re doing our Christmas celebration very differently. In years past, Sarah and I have travelled to visit our parents over Christmas, but starting this year, we’re celebrating Christmas at home. […]

Is Home Ownership Worth It?

Megan writes in: “My husband and I are looking at purchasing a home next year. My parents and siblings think this is a great move and are giving me info on buying a home and how great the investment is. His family is adamantly opposed and they say that homes are a money pit that just eat your wallet and barely appreciate historically. Which side do you think is right? […]