Articles on Personal Finance

Goal Setting: Getting Out of Debt Once and For All

It is easy enough to say that you have a goal of being debt free in “x” months or years. You have crunched the numbers, and your plan is realistic and achievable. But why is it so

What can renters do if their landlords are in foreclosure?

Lately many tenants across the United States who faithfully paid their rents on time were surprised to find eviction notices tacked on their doors because their landlords have not

Want a Company to Hear You? Talk to Their “People.”

Sure, you could call a company's customer service line in times of trouble. I've done it in the past with excellent results. I've also run into the occasional “I don't care.” Th

Five alternatives to 0% yield U.S. treasuries

This week the 4 week T-bill rate was driven down to 0% and the demand for these treasuries was astounding. It seems that investors are so pessimistic that they are willing to acce

What Do You and a Credit Card Thief Have in Common?

I've always considered myself to be an educated credit card user. I keep my balances low, pay on time, and don't do anything that could potentially come back to haunt me.. Little

Book review: Towers of Gold

It will not, I think, surprise my regular readers to hear that I like to read books about money. All kinds of books about money--not just books on personal finance and frugality,

6 Reasons I Still Don't Have a Cell Phone Plan (yet)

If you ask most people what they can't live without, many would say their computer. Just about as many would say their cell phone/PDA/Crackberry. I agree with the first one – I c

Will 4.5% mortgage rates jumpstart the housing market?

It seems like everyday the folks in Washington are rolling out a new plan to fix our economy. The Federal Reserve is running out of room to cut their federal funds rate, so now th

Do you know how to use a parking meter? Serious question.

I thought I knew the answer to that. Admittedly, I’ve only been driving for seven years and rarely park in downtown Denver, where most of our parking meters are located. But I had

Double Coupons – They Could Cost You!

I recently tried (and failed) a recent Super Double Coupon promotion at my local Kmart. The bad news: I was unable to check out due to a glitch in their system, and I left all my

Getting by without a job, part 3--cut spending

With the economy tanking, more and more people will be not just losing their job, but will be finding themselves without one for an extended period. When that happens it's not goo

How To Get A Big Payoff From College Scholarships

Winning a scholarship takes effort, even to snag an award that is relatively small ($500-$1,000) compared to the cost of attendance at a state university (more than $16,000 per yea

Getting by without a job, part 1--losing a job

Losing a job is always tough. During hard economic times--when it may not be possible to find another job as good as the one you've lost--it's even tougher. Here are a few steps

Do we really need help with getting more debt?

Today a new rescue program called the Term Asset-Backed Securities Loan Facility (TALF) was announced by the Treasury and Federal Reserve to support owners of securities backed by

Can You Afford to Have a Baby?

Here are some financial considerations to plan and account for prior to sprouting your own little guys.

Hoopde for sale. Starting price - $500. Winning bid - $226,521.

I love stories like this. It gives me hope that one day, something “worthless” sitting in my garage will instantly fill up my daughters’ college funds. In this case, the seemingly

The Lowdown On Layaway

Layaway never completely disappeared from the retail landscape but it’s become more prominent with promotions by some national chains and locally-owned shops. Instead of paying for

Will A Dental Discount Plan Save You Money?

Those of us without traditional dental insurance may have been tempted to buy a dental “discount” plan. On paper, it looks good. In practicality, it could save you some, or more

Not the sort of person who ...

Wise Bread is stuffed almost to bursting with suggestions on how to live large on a small budget. But certain suggestions trigger a particular kind of negative reaction:—w

Why Couples Fight Over Money and What to Do About It

There is no denying that financial matters lay at the root of many – if not most – couples’ problems. While some openly communicate about the issues at hand, more couples yet don’t