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Staff Writer

Tim Lemke

Tim is a dad of two who has discovered the necessity—and joy—of saving money. In addition to writing for Wise Bread, he manages digital content for a Washington, D.C.-based foundation and writes independently at MakingCentz.com.

Latest articles by Tim Lemke

Help, I Bought a Stock Dud! — What Now?

You bought a bad stock and you're losing your shirt. It happens! Don't panic, understand your options, and turn today's loss into tomorrow's gain.

10 Times You Shouldn't Invest in Stocks

Investing in stocks is a great way to build wealth — but not always. Here's how to decide whether the stock market is right for you.

11 Ways Life Is Amazing With an Emergency Fund

Life happens — and it usually costs money when it does. Build your emergency fund so when it happens, you're good to go.

10 Ways to Watch Sports on the Cheap

Can't afford to see your team play? Think again. These 10 money-saving tips will have you cheering both for them and the extra cash in your wallet.

8 Ways ETFs Can Put More Money in Your Pocket Than Mutual Funds

It used to be that that the smart way to invest simply was to buy mutual funds. Not anymore — ETFs are where your money should go.

10 Surprising Ways Spring Is Gonna Cost You

Spring and summer bring fairer weather, but they aren't always as pleasant for your bank account. Keep your budget on ice when the temperatures rise.

Stop! Is That Loan Too Big For Your Wallet?

You need to borrow money for a big purchase — how much can you really afford to borrow? Use these financial rules of thumb to find out.

12 Times You're Better Off Without a Promotion

You're working hard — and smart — and the boss has noticed. Do you take the promotion? Or do you keep the job you're happy with?

10 Reasons Why Apple Is Still on a Tear

Apple is once again red hot and primed for more growth in 2015. Find out what's driving Apple's success today.

Profit on the Oil Bust With These 10 Cheap Energy Stocks

If you invested in these oil and gas companies, you've probably seen double-digit losses. Is now the time to buy?

10 Quick Financial Moves to Make Today at Lunch

Escape the office for an hour everyday and spend your time managing your finances for maximum return — and early retirement.

10 Types of Friends Who Are Costing You Money

Remember how your mom was always wanted you to hang out with the "right" people? Yeah, that's good financial advice, too.

10 Free (or Almost!) Tools and Resources for Creating a New 2015 Budget

Holiday spending knocked your budget all out of whack? Use these tools to start budgeting smartly in 2015.

8 Unexpected Ways Cheaper Gas Is Boosting Your Pocketbook

Gas prices are at their lowest levels in years. Are you taking advantage?

You Should Make These 11 Easy Donations Before Time Runs Out

It's the season for giving — and for grabbing a few more tax deductions. Here are some easy things to donate before the end of year.

13 Holiday Gifts That Aren't Worth the Money

Time is running out on holiday shopping season! Take a deep breath, don't panic, and avoid buying any of these overpriced and wasteful "gifts."

What the New Credit Card Formula Means for Your Wallet

FICO has a new formula for determining credit scores, and it should help borrowers. Find out how it might help you, too.

10 Financial Moves You Can Make During Your Commute

Your commute may seem like a waste of time, but it may actually be the best time to optimize your finances — even if you're behind the wheel.

7 Ways to Boost Your Finances While You Sleep

Making a little extra money isn't too hard. In fact, you may not even need to get out of bed.

Do These 8 Things to Profit From the Improving Economy

It's been a rough several years for the economy, but things may be looking up. Are you poised to cash in on the rebound?