The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 309)

Know What Every Fee Is on Every Bill (332/365)

This one’s simple: whenever you receive a bill in the mail that contains even one item that you can’t immediately explain, you’re probably losing money. There are two big reasons for this. One, the item on the bill might be misapplied to you. […]

The Simple Dollar Weekly Roundup: Organized Life Edition

As I’ve mentioned before, my life tends to oscillate back and forth between organized and disorganized. Sometimes, I’ll feel like my life is chaotic and unproductive, whereas at other times I feel like my life is incredibly well organized and really productive. At the moment, I feel like I’m on the “productive” end of one of those oscillations. […]

The Case for Debt Freedom

A couple times a week, I’ll get an email from a reader asking some variation on this question: If I can refinance my house at 3.5% why would I ever want to pay it off early if I can earn 7% over the long term in the stock market? […]

If You Have Large, Irregular Bills, Save for Them Automatically (331/365)

We have a small handful of large irregular bills that hit us throughout the year. Property taxes. Income taxes (they’re lots of fun for the self-employed). Homeowners insurance. Automotive insurance. Life insurance. Car registration. These aren’t monthly bills, but they still come in the mail pretty much like clockwork, and the amount of each bill is reasonably stable. […]

Ask About Termination Fees (330/365)

Quite often, when people are locked into long-term contracts with their internet provider or cable/satellite provider or cell phone service provider, they consider themselves to be permanently “stuck” and unable to even consider switching until their contract runs out. […]

Reader Mailbag: Christmas Cards

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. Career and life dilemma 2. Christmas at home? 3. Child choosing risky career 4. Christmas frugal and thoughtful rules 5. Stocking stuffer games? 6. Spouse and retirement 7. Investment money concerns 8. Written letters 9. […]

Leverage Competing Deals (329/365)

One of the best parts of living in a modern capitalist country is that, in many industries, lots of companies are competing for your business. […]

Be The Change You Want to See in Your World

“Be the change you want to see in the world.” – Mahatma Gandhi That Gandhi quote pops up in a lot of places. […]

Ask for Introductory Deals, Even If You’re a Regular Customer (328/365)

Companies will sometimes offer astounding deals in an effort to acquire a new customer, because they know that once you’re a customer, the contract will keep you for a while and then inertia will often keep you for longer. Because of that, shopping around for a new provider for your cell phone service (or your internet service or your television service) can often result in getting a very good dea […]

Ten Pieces of Inspiration #101

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. Abraham Lincoln on enemies and friends When you have someone that you’re in conflict with, you’re far better off finding common ground with that person and getting past the difficulty than you are letting the problem fester. […]