The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 6)

Is Low-Interest Debt ‘Good Debt’?

For the past several years, the United States has been in a period of very low interest rates on many types of loans. Home loans can be had below a 4% interest rate - that’s substantially below what’s normal historically. […]

Instant Gratification: Why 76% of Americans Live Paycheck to Paycheck and How You Can Beat That Cycle with 12 Simple Strategies

It’s a statistic that I just can’t get over: 76% of Americans live paycheck to paycheck. That just simply blows my mind every time I think about it. Three quarters of America would run into serious financial problems if they missed their next paycheck or two – they’d have to skip bills or sell things or make major life changes immediately. There are lots of reasons for this. […]

Four Steps to Get Your Credit Back on Track Within a Year

Having bad credit is a bad feeling. Maybe you pulled your credit report for the first time and got some bad news. Or maybe you had good credit, but made a couple of bad decisions — curse that 15%-off promotion that tempted you to apply for a store credit card you then forgot about! — that ended your perfect record. […]

Best Motorcycle Insurance

You probably love lots of things about your bike: the excitement, the speed and maneuverability, the way it connects you to the road and to other bikers. But part of enjoying it is feeling safe while you’re on it—not just physically, but also financially. […]

Questions About Birthdays, GEICO, Steam, Pay-Per-Views, and More!

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Achieved financial goals; now what? 2. “Zooming out” 3. Cutting back until miserable 4. Frugal children’s birthday gifts 5. Wallet or money clip 6. International cell phone advice 7. […]

10 Hidden Costs That Can Derail Your Budget Travel Plans

Your bags are packed, your airline boarding passes are ready to go, and your kids are bouncing off the walls with excitement. Even better, you’re proud of yourself and your shrewd vacation planning this go-round. Thanks to your carefully crafted vacation budget, this trip has already been saved for and paid off. […]

Why Expenses Really Matter When It Comes to Your Investments

So, how exactly does an investment house make money? Let’s use Vanguard as an example. You can go there, sign up for an investment account with them, and buy shares of one of their funds and they don’t charge you a fee for doing so. Your fund rises almost exactly with the stock market. […]

How to Minimize or Eliminate Many Repeated Household Buys

Many of the household supplies that we buy at the store are simply replacements for other things, often sold to us in a slightly altered form and advertised as being more “convenient” than “old fashioned” methods. […]

12 Things I Should Have Considered More Carefully Before Buying My First Home

Several years ago, my wife and I were in a bit of a personal bind. We lived together in what was about the tiniest two-bedroom apartment you can imagine, with a small baby and another one on the way. We were already forced into being pretty creative with arrangements with even one baby in the home, but two? […]