Articles on Personal Finance

How You Know When It's Time For Bankruptcy

When it comes to erasing debt, you've got options. You can do it yourself, go to a credit counselor, try debt settlement or go for the nuclear bomb of debt destruction: bankruptcy.

FINANCIAL IQ TEST: How Healthy is your Debt Management?

Are you on top of your debt – both logistically and emotionally? Do you maximize value while minimizing interest rates? Do you know what the different types of loans are, and how t

Solving a Debt Dilemma with Debt Settlement

Paying half a bill is better than paying it all. But is going to a debt settlement company the way to do it? Understand how these companies work, then decide for yourself.

Dealing With Debt: Credit Counselors

There are three heavily advertised ways to find help to dig out of debt: credit counseling, debt settlement and bankruptcy. Which is best? Let's find out, starting with a closer lo

Simple Tax Strategies to Maximize Your Tax Refund

We’re nearing the thick of tax time, and I’m sure the first thing on your mind (I know it’s on mine) is “how much money am I getting back?” and “what am I going to use the money fo

Backdoor into the Roth IRA: You're Invited to the Tax-Free Party

Make too much for a Roth IRA? Don't fret, you still may have a chance to get in through the backdoor by using a nondeductible IRA then implementing a Roth IRA Conversion.

Best Money Tips: 50 Personal Finance Bloggers to Watch in 2010

Welcome to Wise Bread's Best Money Tips roundup. Today, we share the 50 personal finance bloggers you should be looking out for in 2010, a nifty recipe for "primal" trail mix, a

Extended Car Warranties: 3 Things to Know

Extended car warranties can keep you from wrecking the family budget. But you need to shop them as carefully as you do your car. Here are three things to look for.

Book Review: The Trap

For more than two years now writing at Wise Bread, my whole thesis has been that frugality leads to freedom—if you can live cheaply enough, you can choose whatever work calls you,

Financial IQ Test: How Healthy Are Your Bank Accounts?

Following is a Financial IQ Test, designed to help you determine how healthy your bank accounts –- and your interaction with them -– are. Tally up your score and see how you fare.

Flying With Valuables? Keep Them Safe And Carry A Gun!

Worried about the safety of your valuables when you fly? Carry a gun and you'll keep them safe.

Best of Personal Finance Roundup: 20+ Amazing Fitness Blogs to Inspire You

Welcome to Wise Bread's Best of Personal Finance roundup. Today, we look at some amazing blogs that can help you get back on the fitness track, the best way to get out of a parking

Five Tips to Sell Any Home Fast

No matter the market, if you use these five steps, you'll sell your home fast.

Book Review: Complicit - How Greed and Collusion Made the Credit Crisis Unstoppable

This week a government committee is investigating the cause of the financial crisis by interrogating bank titans what exactly went wrong. Complicit: How Greed and Collusion Made th

How to Prepare for a Home Purchase in 2010

The housing and mortgage industries took a giant leap backwards last year. Read about what you need to do if you are finally ready to buy the home you've been looking for.

Home Loans

Getting a home loan is a necessary part of the process of buying a home for most people. It can take extra work to get a good loan, but if you're familiar with the process and know

Best of Personal Finance Roundup: Make Sure Your Haiti Donation goes to Quake Aid

Welcome to Wise Bread's Best of Personal Finance roundup. Today, we tell you tips for making sure that your Haiti relief donations are getting where they need to go, 8 great movie

How Cleaning Your Wallet Benefits You Financially

It is not quite time for spring cleaning, but if you are a slightly disorganized person like me you may benefit financially by cleaning your wallet or purse. Here are some reasons

Best of Personal Finance Roundup: How to Make Homemade Poptarts

Welcome to Wise Bread's Best of Personal Finance roundup. Today, we share a recipe for homemade poptarts, the right way to rock a t-shirt, and frugal ways to train for a marathon (

When It's Time to Destroy Debt, Start With a Goal

I'm doing a 90-day series on air and online to help people destroy debt. My first installment concerns the single most important thing you can do: establish goals. Read and watch f