The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 350)

Over-Saving for Retirement?

Haruki writes in: I am putting 15% of my salary into my 401(k) which gets a 5% match from my employer. I also contribute the max to my Roth IRA. I followed up with Haruki and found that his salary is $46,000 per year and he’s twenty seven years old, just for calculation’s sake. So let’s put all of the math together. Haruki contributes $5,000 a year to his Roth IRA. […]

Ten Unusual Ways to Improve Your Appearance of Confidence That Really Work

I’ve seen it over and over again: the person in the office with self-confidence is the one that gets the plum assignments. The promotions. The raises. The recognition. The others, who sit back quietly, get left behind (and sometimes resent it). For a long time, I was one of the resentful folks. I had a hard time speaking up in group situations and I hated presenting. […]

Reader Mailbag #72

Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance topics and many other things. Got a question? Ask it in the comments. You might also enjoy the archive of earlier reader mailbags. I love gum. […]

Review: The Adventures of Johnny Bunko

Every other Sunday, The Simple Dollar reviews a career, personal productivity, personal development, or entrepreneurship book of interest. Without really paying attention, I picked up Daniel Pink’s book The Adventures of Johnny Bunko at the library. […]

To Close or To Not Close a Paid-Off Credit Card?

You’ve finally paid off that credit card. It’s sitting there with no balance on it and you regret ever owning it. It’s got a high interest rate and no rewards program and you will never use it again. But should you close it? This is an interesting debate that often comes up in personal finance circles. […]

The Simple Dollar Time Machine - July 18, 2009

Many newer readers of The Simple Dollar haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, as well as the five best posts from two years ago this week. […]

The Total Money Makeover: The Debt Snowball

This is the sixth of twelve parts of a “book club” reading and discussion of Dave Ramsey’s The Total Money Makeover, where this book on debt reduction is teased apart and looked at in detail. This entry covers the seventh chapter, finishing on page 132. The next entry, covering the eighth chapter, will appear on Wednesday. You’ve got a big pile of debts in front of you. They’re scary. […]

How Low Can You Go? Cheesy Corkscrews with Crunchy Bacon Topping

In April and May, National Public Radio featured a series on inexpensive gourmet dishes entitled “How Low Can You Go?” Although many of the dishes looked quite tasty, most of the dishes weren’t actually all that inexpensive, often narrowly getting below $10 to feed a family of four, and many involved arduous cooking processes. […]

Rule #5: Talk About Money (and Be Honest).

A reader asked me if I could break down my ideas into a handful of principles. After some careful thought, I came up with a list of fourteen basic “rules” that summarize my money and life philosophy. I’ll be presenting these as a weekly series. It’s late April 2006. I’ve finally realized how bad our financial situation really is. […]

Frugality’s Sacred Cows

I define frugality as getting the maximum value for your dollar while living squarely within your means, which is a pretty reasonable definition. I wouldn’t expect someone making $15,000 a year that doesn’t sweat what they eat to make the same food choices as someone making $50,000 a year who highly values the quality of their food, for example. […]