The Simple Dollar

Simple, applicable personal finance advice for the modern world.

Profile of The Simple Dollar

Latest Posts from The Simple Dollar (page 321)

Reader Mailbag: Online Classes

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. Struggles living with family 2. Ear candy 3. Need a plan 4. Ethical retirement savings? 5. Upromise question 6. Fun biographies 7. Stock option question 8. Reading to older children 9. Debt free, now what? 10. […]

Use Heavy Drapes and Blinds (161/365)

We’ve all experienced the warmth of direct sunlight on our skin and enjoyed the coolness of the shade on a hot summer day. The same phenomenon is true inside of our house. […]

The Value of Climbing the Mountain

The last six years of my life have been spent grinding as hard as possible towards one specific goal. I wanted to be free of debt while owning my own home. Nothing more, nothing less. Over that entire period, Sarah and I have been pretty careful with our money. We’ve given up expensive hobbies. […]

Adjust Your Home’s Temperature Seasonally (160/365)

The bigger the difference between the external temperature and the internal temperature of your home, the more work your air conditioning or furnace is going to have to do. It doesn’t matter how much insulation or how well air sealed your home is, it’s going to happen. […]

Ten Pieces of Inspiration #77

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. Ray Bradbury on exploration Ray Bradbury is one of my favorite writers. His book Fahrenheit 451 has had a tremendous impact on my life. “We must move into the universe. Mankind must save itself. […]

Air-Seal Your Home (159/365)

Unless you live in a perfect climate, you’re going to be running your air conditioning and/or your furnace during some portion of the year. […]

Personal Finance Is Rarely Black and White

Let’s look at two people, Bob and Charlotte. Each of them has only one outstanding debt, a $100,000 mortgage with a 3.75% interest rate that has 28 years to go. Bob is single and doesn’t enjoy dating, so he plans on remaining single for the rest of his life. He wants to retire early so he can get involved with managing the local food pantry, where he works part time right now. […]

Take Shorter Showers (158/365)

After a long day, I enjoy a nice shower. It feels pretty good to stand in there and let the water pour over you. Every once in a while, I simply take a long shower. Most of the time, though, a shower is just a task to be performed as part of the normal day. With children around, it’s one that needs to be performed quickly, too. […]

Reader Mailbag: Handwritten Letters

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. 401(k) early withdrawal concerns 2. Soccer in America 3. Money, sanity, and in-laws 4. Keeping old magazines 5. Frugal vitamins 6. Tossing unhealthy foods 7. Divorce and credit 8. Switching credit unions 9. […]

Install Low-Flow Showerheads (157/365)

Shower heads vary widely in the amount of water that they disperse, and the water flow isn’t directly connected to how strong the shower feels, either. The best shower I’ve ever had was when I was in college, where the dormitory had these enormous showerheads that dropped water on you from the ceiling. It felt much like standing in a mild rainstorm. […]