Personal Finance

Variable prices, and what economists like about them

From the buyer's point of view, a "market price" is great. This is not only because he or she doesn't have to get a bunch of prices quotes to avoid being cheated

Can you talk to your friends about debt?

Can you talk to your friends about your debt? Can you talk to your friends about their debt?

The Quiet Millionaire: Part 3 - Money for Now, Money for Later

You've figured out how to have positive cash flow (aka spend less than you earn) for now; but will you have enough money for later? Funding for future requirements, such as

Best asset allocation for your portfolio

This is the first Wise Bread post that I've been afraid to write. I've thought about it many times, but haven't even gotten as far as making notes until today, when I

What Would You Do With a Million Dollars?

Wise Bread bloggers share what they would do with a million bucks. Tell us what you would do and be entered into our weekly drawing for a $25 Amazon gift certificate!

Manage your charitable giving

Are you one of the people who responds to begging letters from national charitable organizations by occasionally sending money? I used to do that. In my case, it was mostly envir

When to drop collision coverage on your car

A few years back, I got a tidy little lesson in exactly what collision coverage is. We'd had a car damaged in an accident, damaged pretty badly. So, it wasn't a surprise

When you stretch and stretch and the ends don't meet

Sometimes wanting something and trying for it aren't enough. The honest truth is that, no matter how frugal you are, no matter how extensive your emergency fund, no matter how

These Choos were made for walkin': an interview with a modern urban nomad

Ever feel stuck? In a rut? Running in place, but not getting much exercise? There's another way to live, you know; a way that bypasses, or at least delays, the mortgage, the co

What is your greatest financial fear?

What kind of financial fears keep you up at night? Is it the relentless attack of the credit card statements? Or the gory details of healthcare costs? Share your greatest financ

When NOT to put money in your 401(k)

The twin advantages of tax deferral and a corporate match make the 401(k) the foundation of most people's savings plan. Putting in enough to get the maximum corporate match is

The Quiet Millionaire: Part 2 – Major Obstacles to Financial Success

Want to have the wealth you need to follow your dreams? Brett Wilder, Certified Financial Planner and author of The Quiet Millionaire suggests that there are 7 major obsta

Getting Rich Slowly: Interview with JD Roth

Get Rich Slowly is one of the most popular personal finance web sites on the internet. JD Roth, the man behind the site, agreed to share some of his fiscal background and financial

Charitable Giving: Give in Order to Receive

The idea of giving away what you have especially if you don't have much is a tough one to wrap your head around. But if you truly want to be rich (both literally and figu

Local Currencies

Because the advantages of trade (lower prices) fall into the hands of the person making the decision (the buyer), there's a constant tendency to move toward freer trade, unless

Credit Card Insurance? No Thanks.

So your credit card company just called offering you balance protection insurance against job loss, disability, life, or critical illness. The cost will be just pennies, calculated

Separate Bank Accounts: 'Till Death (or Banking) Do We Part?

Many couples today boast separate bank accounts and successful relationships. But is it possible? Or are separate bank accounts a recipe for disaster?

Trade versus localization

Localization--eating locally grown foods and buying locally produced goods--has become trendy just lately. For the past twenty years, though, globalization has been the dominate f

The Quiet Millionaire: Part 1 – What is Important about Money to You?

You’ve heard of The Millionaire Next Door, now there’s

Borrowing to Invest: Helpful or Hurtful?

Can debt possibly be a good thing? Sometimes yes, sometimes no. But carrying debt that enables you to earn money is a concept called Leveraging, and can be v

Latest Articles in Personal Finance

6 Ways the Government Helps Disaster Victims Recover

The government is playing a vital role in helping disaster victims get back on their feet. Find out how your tax dollars work!

7 Things Your Credit Report Does NOT Include

Your credit reports may be handy snapshots of your financial health, but they don't show the whole picture. Find out what's missing.

How to Select a Charity to Donate to After a Natural Disaster

Before making a charitable donation after a natural disaster, it's important to make sure your gift is going to a reputable organization. Here's how to check.

Bookmark This: A Step-by-Step Guide to Choosing 401(k) Investments

Don't get overwhelmed picking your own 401(k) investments. Use this simple approach to build a stable retirement portfolio.

How Your Bad Credit Can Impact Your Kids

Worried about the effect your bad credit may have on you? You also need to consider how it can affect your kids.

10 New Podcasts That'll Improve Your Money Mindset

Love tuning in to podcasts? Add these 10 to your to-listen list for a better money mindset.

9 Online Forums That'll Help You Reach Your Financial Goals

Struggling to reach your money goals? Find the right online community for support, advice, and encouragement to start making progress.

Don't Make These 5 Common Mistakes When Writing a Will

Everyone needs a last will and testament. Make it easier on your loved ones by avoiding these mistakes.

What to Do If You're Retiring With Debt

Debt's a burden at any age. For retirees on fixed or reduced income, it can feel especially heavy.

9 Ways Expats Can Maintain Their Credit Scores

You may be leaving the States for a while, but there's one element of American life you should never leave behind: your credit score.

How to Find the Savings Strategy That Works For You

The path to saving money is as diverse as it is customizable. Are you following the best path for you?

How Families Can Earn and Use Travel Rewards

As a solo traveler, you may have your travel rewards strategy down pat. But what about when you're planning to bring the family?

Why Your Daily Latte Won't Sink Your Retirement Savings

You've heard it before — your daily latte indulgence is destroying your retirement savings. Except, it's really not.

How to Save for Retirement While Caring for Kids and Parents

In between caring for your parents and your kids, you need to care for yourself, too — especially your financial future self.

8 Signs It's Time to Retire

You're thinking about retiring. How do you know when it's really the right time?

Best Money Tips: These 5 Things Make You Terrible With Money

Today we found articles on the biases and fallacies that make us terrible with money, rules that every real estate investor should follow, and how to recover from a spending spree.

What You Need to Know About Filing an Insurance Claim After a Natural Disaster

When your home is a casualty of natural disaster, know what steps to take immediately with your insurance company.

Why Donating Money Is the Best Thing You Can Do After a Natural Disaster

There's a natural impulse to donate after a natural disaster. But donating goods over money is not always the best idea.

6 Reasons Cash Back Is Better Than Travel Rewards

Travel rewards are great for jet-setters, but for the rest of us, cash back is the better deal.

7 Times to Update Your Homeowners Insurance

You probably haven't looked at your homeowners policy since you bought your house. You might want to; especially if you've made these changes.