The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 4)

Back in Debt? A Strategy to Pay It Off for Good

Find yourself staring back at the same mountain of debt… again? Make a plan to get rid of it for good. Photo: Rick McCharles Debt is one of those things that’s very easy to get into and much more difficult to get out of. […]

DIY Investing: Choosing the Right Industry at the Right Time

Capital goods, such as Boeing aircraft, tend to see an uptick in the middle of an economic expansion. Photo: Jetstar Airways By Gaspar d’Orey Many people consider the stock market an alien and complex thing to grasp. But it doesn’t have to be this way. […]

DIY Investing: Choosing the Right Industry at the Right Time

Capital goods, such as Boeing aircraft, tend to see an uptick in the middle of an economic expansion. Photo: Jetstar Airways By Gaspar d’Orey Many people consider the stock market an alien and complex thing to grasp. But it doesn’t have to be this way. […]

Honey, I Wrecked Your Credit

 Keeping separate credit cards can help insulate you from your partner’s bad credit. Photo: Bryn Salisbury My husband and I were both in our mid-30s when we married. He was a couple of years into a psychiatric practice, and I had more than a decade of magazine experience under my belt. […]

Balancing Spending and Time: How ‘Time Frugality’ Can Save You Lots of Cash

The experience of reading a book trumps having one on your bookshelf, so make sure you carve out enough time for the things you truly care about. Otherwise you may find you’re wasting money filling the void with ‘artificial replacements’ — for example, buying a book because you haven’t had time to actually read one lately. Photo: Sam Greenhalgh I have a number of hobbies that I deeply enjoy. […]

Is Working Worth It When You Have Kids?

When half of your take-home pay goes to child care, it can make you wonder whether your job is really worth the long hours and soul-crushing commute. Photo: Enric Martinez When you have kids, it’s easy to question whether it makes sense for both parents to work outside the home. I know; I’ve been there. […]

Struggling With Student Loans? How to Lower Your Payments

If you’re struggling to make your student loan payments, one option to explore is income-driven repayment plans. These plans are available to federal borrowers to help manage student loan debt. Under these plans, monthly payments are lower than under the Standard Repayment Plan. They make it so what you’re paying every month is tied into your income and family size. […]

The Million-Dollar Retirement Question

Photo: Véronique Debord-Lazaro One question I’ve received several times over the years is what I’ve jokingly called the “million-dollar question” to my wife. […]