The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 8)

Finding the Line Between Frugality and Deprivation

Frugality is a spectacular tool for immediately seeing positive financial results in your life. Whenever you find ways to get most of the same value in your life for a lower price, or you find a different avenue completely to fulfill your needs and wants without the same sticker impact, you’re managing to still enjoy life while spending less than you have before. There’s a catch, though. […]

Questions About Matching Funds, Light Bulbs, Library Book Sales, 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. Roth IRA for down payment? 2. Employer matching funds question 3. Buying short term 4. Free light bulbs cost-effective? 5. Finding quality clothes 6. Goal rewards and financial success 7. […]

Everything You Need to Know About Expense Ratios

If you want better investment returns, one of the smartest things you can do is find lower-cost investments. Not only are smaller fees a good predictor of future returns (the smaller the better), but cost is one of the few investment variables that’s directly within your control. […]

Why Meal Delivery Services Are a Waste of Money

Imagine having every imaginable ingredient for a delectable dinner delivered directly to your doorstep, perfectly pre-portioned. Once your box arrives in the mail, every component of the perfect dish is there – meat for your main course, spices that make the meal flavorful, and even the fresh vegetables required to bring your dish to life. But you’re not on your own here, either. […]

Inspiration from Socrates, Abraham Lincoln, Carrie Fisher, and More

Once a month (or so), I share a dozen things that have inspired me to greater personal, professional, and financial success in my life. I hope they bring similar success to your life. 1. […]

Macrobudgeting and Microbudgeting

Most people, when they think of a personal budget, think of what I would describe as a “microbudget.” It’s the traditional kind, where you divide your spending up into a whole bunch of different categories – $500 for food, $700 for rent, $125 for electricity, and so on. You then make it your goal to achieve that target in each category by being frugal. […]

How to Save Money on Your Next Laptop

Even though I’m happy with my six-year-old computer, I can’t help but take interest when new laptops come onto the market. It’s like how you don’t stop noticing other people you’re attracted to just because you’re in a relationship. […]

31 Days to Financial Independence (Day 21): Starting a Side Business

“31 Days to Financial Independence” is an ongoing series that appears every Thursday on The Simple Dollar. You might want to start this series from the beginning! Last time, we examined strategies you might want to use if you’re looking to move on to a better job. […]

How to Save a Job Interview That’s Going Downhill Fast

If you’re heading into a job interview soon, you’ve probably read a lot of advice on how to make a good impression on the hiring manager. Almost all of it will focus on preparation: practicing interview questions, researching the company and the role, even making sure your interview outfit is top-notch. […]

The Secret of Inverse Vacation Planning

Last summer, Sarah and I took our family to Cuyahoga Valley National Park for a couple of days as part of our summer vacation looping around most of the Great Lakes. This summer, Sarah and I are taking our family to Yellowstone National Park and Grand Tetons National Park as the centerpiece of our family vacation. Why did we choose those places? […]