The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 8)

Questions About Phone Coupons, Pyrex, Airbnb, Car Safety, 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. Phone coupons and security 2. Life crossroads question 3. Car safety GPS devices? 4. Telling significant other about wealth 5. Escaping poverty 6. Retirement savings when loving career 7. Reusing water bottles? 8. […]

How to Choose the Right 529 Plan to Save for College

A 529 plan is a great way to save for your child’s college education, but it can be challenging to figure out which plan you should use. 529 plans are a little strange in that they’re run by individual states, but there’s no requirement that you use your home state’s plan. […]

How to Choose the Right 529 Plan to Save for College

A 529 plan is a great way to save for your child’s college education, but it can be challenging to figure out which plan you should use. 529 plans are a little strange in that they’re run by individual states, but there’s no requirement that you use your home state’s plan. […]

10 Ways We Sabotage Our Own Finances

While the U.S. economy has been adding jobs every month since late 2010 and several key indicators  point to strong economic growth, plenty of Americans still struggle. A Federal Reserve study from last year showed that nearly half of Americans couldn’t come up with $400 to cover an emergency expense. […]

$1 Meal Tactics: Saving Big on Food Costs, a Buck at a Time

A little under a year ago, I wrote an article entitled Using the ‘$1 Per Meal’ Strategy to Save Big Time on Food Costs. […]

Success Through Effort or Advice?

One big criticism that people have made about personal finance writers is that somehow their comments are invalid because they made much of their income writing about personal finance instead of “doing something.” I thought I’d address that today, starting with my own background on the topic. First of all, I spent many years of my life working at a “typical job” that I would assume would qualify a […]

Happiness and Spending Less Aren’t Mutually Exclusive

Boredom. Sadness. Jealousy. Frustration. Anger. Loneliness. Hopelessness. Those are emotional responses that I hear about all the time from readers who are struggling with adapting to spending less money. […]

Don’t Expect God Alone to Fix Your Financial Problems

Let’s start this off with a disclaimer: I’m not the world’s most religious woman. I believe in God – the idea that we have a divine creator. I believe in destiny. I believe there’s a plan for every single one of us, even if we can’t see it yet. I believe in the goodness of people; I believe in hope. I believe that when you treat others well, those good deeds come back tenfold. […]

How to Handle a Job with Low (or No) Pay Increases

Jason writes in: “I have been working at the same job for the past seven years. It pays well and I am able to save about a third of my income between 401(k) and Roth and house down payment savings. The problem is that my salary is barely moving. I get great reviews but then I get only a “cost of living” raise that’s actually less than the increase in cost of living. […]

Just a Little Patience: 14 Ways to Develop Restraint

A couple of years ago, I wrote an article about nine techniques I was using to teach myself patience, because patience was (and still is) one of the biggest challenges I’ve faced on the road to financial independence. The techniques that worked for me boiled down to three things. First, try to see situations in your life from different perspectives. […]