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Senior Writer

Xin Lu

Generation Y, Not Generation Debt

Latest articles by Xin Lu

The Process for Purchasing a House With Cash

Last year, one Wise Bread writer and her husband purchased a property with cash. That's right — cash. Here's the process they went through.

Tips for Thriving in Long-Term Unemployment

What's more discouraging that unemployment? Long-term unemployment. Follow these steps to make your time productive and get back to work.

When Being Frugal Isn't the Solution

Simply living frugally doesn't always lead to financial greatness or happiness. Discover when it's better to bend the rules of frugality, and why.

Should Conforming Loan Limits Be Increased?

The conforming loan limit for home loans in the U.S. fell back to pre-2008 levels recently. Now lawmakers want to raise it again. Learn how it could affect you.

The Worst Investments You Can Make

If your idea of investing is ensuring that you'll never see your money again, then we have some great investment suggestions for you.

What if the Mortgage Interest Deduction Went Away?

What would happen if the mortgage interest deduction were eliminated?

U.S. Government Offers "Free" $50,000 to Troubled Homeowners

Are you struggling to pay for your mortgage? Uncle Sam is gearing up to pass out up to $50,000 to troubled homeowners, and it doesn't have to be repaid.

How to Get Into a Good School District for Less

You don't have to buy an extremely expensive house to get your child into a good school. Here are some other approaches to consider.

5 Tips for Remembering Names

If you forget names as soon as you've heard them, follow these suggestions to avoid embarrassing "I totally don't remember who you are" moments.

Five "Jobs" for Children

Is your child too young to get a real job? These five entrepreneurial activities are great ways for kids to earn their allowances and raise cash.

Affordable Sustainable Seafood Choices for Your Table

For those who love seafood but also want to be mindful of the environment and their wallets, here are some affordable and sustainable seafood choices.

4 Ways Breast-Feeding Saves Money

From reducing national health-care costs to kick-starting your kid's college fund, breast-feeding is fabulously frugal in more ways than you might expect.

Save Money with a Dependent Care Tax Credit and FSA

If you pay for day care or other services, you may be able to save thousands with an FSA, the Child and Dependent Care Credit, or both.

IRS Delays Start of Tax Filing for Some Taxpayers in 2011

The IRS announced that certain taxpayers will have to wait until late February 2011 to file taxes. Read on to see if you are affected by this delay.

How Will the Obama Tax-Cut Deal Affect You?

On December 17th, 2010, President Obama signed a $858-billion tax-cut package into law. Here's how it could affect you.

5 Fun Family Friendly Games for Your Holiday Party

You have the food, you have your guests, now add the entertainment: Here are five games under $20 that kids and adults can enjoy together.

Apperang: Get Paid for Trying iPhone Apps

If you love trying new apps, read this review to learn how you can make money doing what you already enjoy.

4 Reasons Why Everyone Needs Side Income

Many people don't try to earn extra money outside of their jobs, but they should. Here's why.

Why You Shouldn't Plan to Retire at Age 65

Most traditional retirement advice columns I read are written as a guide to retiring in your 60s. Although the advice contained in these columns may be useful to some, I think that

Peer to Peer Lending: Prosper Marketplace or Lending Club?

The two largest peer to peer lending companies are Lending Club and Prosper Marketplace. Here is a quick comparison guide on which company's service you should choose if you are lo

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