The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 9)

Nine Strategies for Cutting the Cost of Convenience

When I was in college, my academic advisor used to say something fairly often that didn’t really resonate with me at the time, but now strikes me as very wise. The gist of it was this: When you are a child, you have energy and time but no money; when you are a young adult, you have energy and money but no time; when you are an older adult, you have money and time but no energy. The whole “energy a […]

10 Worst States for College Affordability

While it’s true that around 85% of students receive financial aid at public, four-year institutions, that number offers a deceptively optimistic view of college affordability. […]

Nine Frugal Strategies for Tackling the Winter Blues

Time for a confession: I get hit hard by the winter blues. Sometime in November or early December, I hit an absolute wall when it comes to my personal energy levels. I start just feeling exhausted and all I want to do is sleep, sleep, sleep. I noticed it from time to time earlier in life, but I began to notice it even stronger when I started working from home in 2008. […]

How Vitamin Supplements and ‘Super Foods’ Can Devour Your Savings

I struggled with severe gastrointestinal issues for most of my youth. I’m not sure if I was lactose intolerant, sensitive to gluten, nervous, allergic to certain foods, or some combination of all of those factors. But whatever the issue, there was something rotten going on. Things got worse when orthopedic issues started to crop up in college. […]

Questions About Holiday Gifts, Guests, Identity Theft, Windfalls and More!

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. Holiday guests and hotels 2. Challenging home purchase decision 3. Frugal gifts for elderly relatives 4. Advance preparation for personal risk 5. Directionless 6. Identity theft strangeness 7. Leftover ham ideas? 8. […]

The Cost of Christmas 2015

Imagine you’re a family of four who just bought their first house, and you’re getting ready to celebrate your first Christmas in your new home. […]

Diversification: The Only Free Lunch in Investing

Diversification is a word you’ll hear a lot as you read about various investment strategies, and though it sounds fancy it’s actually a pretty simple idea both to understand and to take advantage of. It’s also the only way that you can decrease your investment risk without decreasing your expected return. That makes it a pretty valuable tool. […]

The Best and Worst Price-Matching Policies for Holiday Shopping

Just about every major retailer offers some sort of price-matching policy that can help you avoid overpaying — not only for holiday gifts, but everyday purchases the rest of the year, too. Chances are, though, that you’re not taking advantage of this benefit: Only about 5% of shoppers use price matching, according to retail analysts, likely because the fine print and hassle involved isn’t worth th […]

Inspiration from Stephen McCranie, Jim Rohn, Albert Einstein 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. […]