Seven Headwinds Threatening to Capsize Millennials’ Finances

(This is the first of a two-part series.) We hear a lot about millennials and money these days. They’re chronically stressed about finances. They have a negative savings rate. They’re slammed with student debt repayment and aren’t earning enough or aren’t earning at all. They spend more on coffee than retirement. The news isn’t always bad. […]

Finding Inspiration for Financial Success

At first glance, it can seem quite easy to find inspiration for financial success. Just turn on the television, right? You can’t even flip through the channels without finding some show with someone in their mansion or rolling around in their luxury car or going on some super-expensive and super-exclusive trip. […]

15 Ways to Make Your Home Look Beautiful for Under $100

Link for teaser title: Beautifying your home doesn't have to mean building a new wing or digging... […]

Discover it ® Business Credit Card Review

The top business credit cards make it easy for business owners to earn rewards on their spending and gain consumer protections for everything they buy. Some cards offer lucrative rewards schemes that let you transfer points to airline and hotel partners, any many let you rack up bonus points in business-related categories like shipping or advertising. […]

Why I Don’t Recommend Individual Stock Picking

One frequent question that readers ask me is advice on whether or not they should invest in the stock of a particular company. “Is it a good time to buy Google?” “Should I invest in Amazon?” “Thinking of putting some of my retirement money into Citibank shares. Thoughts?” Almost universally, I respond to such folks like this: “No.” “No.” “No.” Why? […]

6 Amazing Volunteer Programs Around the World

Volunteering can be challenging, eye opening, and even life altering, but ultimately it's rewarding in so many ways for those who undertake it. And volunteering abroad is a fantastic way to not only enrich your travels, but also to help others in the process. There are great volunteer programs in... […]

What You Can Control

My two oldest children have reached the age where they consistently bring home a bag full of school work. Most evenings, they have homework in two or three different subjects. My oldest child is pretty efficient with his homework. His view is that if he just gets it done, then he can go do something fun without any worries. […]

Three Ways to Remove a Charge-Off From Your Credit Report

If you fall far enough behind on your bills and eventually default, you may start seeing or hearing the term “charge-off.” The term charge-off can be a little misleading, and some people even believe that a charged-off debt is one that is no longer owed. […]

How I've Scored Free Travel for 5 Years Straight

It's been at least five years since I've paid for airfare or hotels out of pocket, as I always use reward points and miles instead. And far from being a homebody, I travel extensively in connection with my freelance work, and for vacations with my family. But free travel isn't some elusive and... […]

Join Our Tweetchat on Thursday 9/20, 12pm Pacific for a Chance to Win Prizes

Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win one of two $10 Amazon GCs! Use #WBChat to participate. This week's topic: Interviewing! Learn about practicing in advance of a job interview, handling difficult questions, interviewing mistakes,... […]

Saving for Tomorrow vs. Living for Today

One of the hardest experiences of moving toward middle age is that I have to watch my parents enter old age. Those two people have been the absolute rocks in my life for as long as I can remember. I remember them clearly at the most active and vibrant times in their lives, when they seemed infinitely strong and their energy seemed infinitely boundless. […]

Asking Someone for a Favor? Five Tips to Write a Better Email Request

Like many liberal arts majors, I didn’t waltz right into a good career when I graduated from college. The challenges of a real-world job hunt hit like a tidal wave, and I scrambled to find a foothold. It was during this time that I learned how important it is to be able to write a good email asking someone for a favor. […]

8 Things You Need to Know About Debt Management Plans

If you're in debt and struggling to dig your way out, you've probably spent a lot of time trying to come up with a fix. Maybe you transferred your balance to a balance transfer card to score zero interest, and wound up racking up even more debt. Perhaps you've resorted to selling stuff to raise... […]

Keeping Food Spending Low When You Live in a Food Desert

Last week, I published an article entitled How to Find – and Get the Most Value Out of – Your Local Discount Grocer that tackles head-on one of the tougher frugality challenges we all face: how does a person find the cheapest grocery store in their area and, once they do, how do they really get the most value out of it? This article generated far more feedback than I expected, with people asking f […]

Now in Stock, Sticker Shock: How a Trade War Could Impact Your Budget

As tariff tiffs ratchet up between the United States and its key trading partners, especially China, economists are warning of the potential for a full-blown trade war and global economic crisis — and everyone from American manufacturers to farmers are increasingly on edge about what the future holds. […]

Ask the Readers: How Will You Prep Your Home for Winter?

Winter is coming! Sure, it's still a few months away, but now is actually the best time to get to work around the house so that you stay cozy and secure when the cold weather rolls around. How will you prep your home for winter? What are some of the common seasonal hazards in your area, and what... […]

How to Do a Reconnaissance Trip Before Retiring Overseas

Making the decision to retire abroad is a huge step for anyone, even if you're a seasoned world traveler. Perhaps you've spent significant periods of your life overseas exploring various locations, but making the move to another country is entirely different. It can be a daunting prospect, but you... […]

Questions About Penny Stocks, College Planners, Mattresses, and More!

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Mother using my credit card 2. College planner a worthwhile investment? 3. 401(k) contribution question 4. Quietly seeking a new job 5. Who buys penny stocks? 6. Spend money too easily 7. […]

I’m a Financial Planner. Here’s How I Invest My Own Money.

Even if you have a solid understanding of the general concepts around investing, choosing specific investments can be a struggle. In some cases there are literally thousands of choices with an almost limitless amount of information available about each one. […]