The Simple Dollar

Simple, applicable personal finance advice for the modern world.

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Latest Posts from The Simple Dollar (page 52)

When Is It Time? (and Other Hard Questions About Retirement)

Jim writes in: How do you know when it is time to retire? Also how should you invest in retirement? Advice seems to be to go more conservative with investments but what if you’re retired for a long time? Jim is actually an old friend of mine who has read The Simple Dollar almost since its inception. […]

My Home and Auto Maintenance Checklist

One of my earliest popular posts on The Simple Dollar was a home and auto maintenance checklist that I put together with the help of my parents shortly after moving into our house and becoming a homeowner for the first time. […]

The Perfect Credit Score (and Why You Shouldn’t Obsess Over It)

Working hard to earn and maintain excellent credit scores is certainly worth your time. Your credit scores impact your bottom line in many different ways, from the mortgage rates you receive to your car insurance premiums to the deposit requirements you’ll pay. […]

Teaching Children About Compound Interest

One of the ideas that I’ve really been struggling with in terms of teaching my kids about money is the power of compound interest. They understand the value of not spending money and saving it for the future. […]

Are Coupon Books Worth the Price? It Depends on How (and If) You Use Them

Coupon books are almost an afterthought at this point: Low-tech, bulky, burdened with an up-front cost. But as consumers have learned after years of flash deals, Groupon, LivingSocial, and other discounting experiments, discounts are only worthwhile if they’re worth something to the consumer. More than a decade ago, TSD founder Trent Hamm quickly reached the conclusion that coupon books like the “ […]

Ten Financial Lessons This Summer Taught Me

The past few months have been extremely topsy turvy in terms of finances for us. We replaced one of our vehicles. We went on a long-planned and fairly expensive family vacation. We did a bunch of smaller home repairs and did all of the planning for some home improvement projects (which are ongoing as I type this). […]

I Spent My Emergency Fund: Now What?

In the span of just a few weeks this last month, my husband and I faced over $6,000 in surprise expenses. First, our car broke down and needed a new battery, brakes, and rotors, for a grand total of $1,100. A visit to the orthodontist led to a $2,700 bill to fix my youngest child’s underbite. […]

Questions About Books, Cell Phones, 401(k)s, Private Schools, 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. Drawbacks of the library 2. Private school worth it? 3. Credit card for fixing credit 4. Abundance of green beans 5. Struggling with student loans 6. Decent dish towels 7. Tax bracket comparison 8. […]

Millions of Millennials Spend More on Coffee (and Other Things) Than Retirement

As a millennial personal finance writer, I sometimes find myself aghast at the ways my fellow millennials are spending money. One only has to look at this Refinery 29 ‘Money Diary’ from a 26-year-old to see what I’m talking about. She’s unemployed, yet she pays for cable TV, Netflix, Spotify, a gym membership, and an expensive smartphone plan. Her retirement savings? […]

How Much Do Subscriptions Cost You? Probably More (and Maybe a LOT More) Than You Think

A new study shows that U.S. residents spend billions of dollars per month on subscription services. Yes, billions. Every month. Individual things like beauty boxes, Netflix, meal services, Amazon Prime, dating apps, and music streaming seem affordable. […]