Money Tips Network

16 Must-Haves to Pack for Your Next Cruise

Dollar for dollar, cruise vacations are some of the most affordable getaway deals available — and you can save even more money on board when you arrive fully prepared. If you're ready to set sail, don't leave home without these cruise-ship must-haves.

11 ATM Mistakes to Avoid Overseas

Thanks to ATMs being so widespread globally, you can travel to a foreign country with little more than a bank card and gain instant access to your cash. However, without an understanding of the differences between using an ATM at home and abroad, you could end up in serious trouble.

4 Money Moves to Make After You Pay Off Your Mortgage

Congratulations! Paying off your mortgage is a huge accomplishment, one that many people only dream about.

Tariffs: What They Are and How They Impact Your Finances

President Trump recently announced new tariffs on imports of steel and aluminum, in a move that got mixed reviews from business and political leaders.

15 Odd American Taxes You May Have to Pay

Benjamin Franklin famously said, "In this world nothing can be certain, except death and taxes." What we can also be certain of is that strange, sometimes archaic taxes will always endure.

Saving Strategies: Highlights from Our Chat with Dr. Barbara O’Neill from Rutgers

Dr. Barbara O'Neill from Rutgers joined us for our #WBChat on March 15th to share insights on saving strategies. Our #eXASW #WBChat featured awesome tips designed to help people maximize their savings.

Best Deals for Friday 03/16

Link for teaser title: 

http://www.wisebread.com/bestdeals/today

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Seven Subjects to Learn More About Once You ‘Get’ Personal Finance and Investing

You’ve read several personal finance books over the last few years. You’ve gorged on personal finance websites. You’ve developed a plan to get yourself out of debt and largely executed it. You’re saving for retirement at a nice rate.

In short, you’ve largely got this “personal finance” thing figured out.

The thing is, once the core principles of personal finance are stuck in your head, continuing that journey of learning and improving becomes a bit more challenging. At its core, the tenets of how most people manage their personal finances are actually pretty easy; the trick is in implementing them in your actual life. Once you’ve got that… what else is there?

Your saving rate: The most important number in personal finance

In order to survive and thrive, you need to earn a profit.

You already know profit is the lifeblood of every business. It’s like food and water for the human body. Although proper nutrition isn’t the purpose of life, we couldn’t exist without it. Food and water give us strength to do the stuff that matters most. So too, profit isn’t necessarily the purpose of business — but a company can’t survive without it.

Here’s a secret: People need profit too.

In personal finance, “profit” is typically called “savings”. That’s too bad. When people hear about savings, their eyes glaze over and their brains turn to mush. Bor-ing! But if you talk about profit instead, people get jazzed: “Of course, I want to earn a profit! Who wouldn’t?”

Profit is easy to calculate. It’s net income, the difference between what you earn and what you spend. You can compute your profit with this simple formula:

You Can Earn These Credit Card Signup Bonuses More Than Once

If you love earning airline miles, hotel points, and cash-back with rewards and travel credit cards, you probably already know how lucrative signup bonuses can be. If not, you should start paying more attention to the cards you sign up for and their unique introductory promotions. While the top cash-back and rewards cards typically offer 1-5 points for each dollar you spend on a daily basis, a signup bonus can boost your point haul at a much faster pace.

10 Time-Management Fails — and How to Fix Them

Time is finite. We all have 24 hours a day, and seven days a week, to achieve our goals. However, it seems like some people have tons of free time, and others never have enough hours in the day.

5 European Cities You Can Visit for $50 a Day

European getaways are often associated with high costs, and when you're talking about cities like London, Madrid, or Paris, that is often true.

7 Liabilities That Will Ruin Your Net Worth

If you're passionate about personal finance, you know about the importance of building net worth. This means accumulating things that will grow in value, while reducing your liabilities.

The 5 Best Night Lights

Whether it's to keep monsters at bay or to help you find your way around at night, a night light has a number of purposes.

5 Ways New Parents Can Manage Debt

Bringing a new little one into your family is an exciting time, but it can also be stressful if you have to juggle new baby expenses on top of debt repayment. Don't get overwhelmed.

Join Our Tweetchat on Thursday 3/15, 12pm PST for a Chance to Win $100 in Prizes!

Join our Tweetchat Thursday, 3/15 at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win one of two $50 Amazon gift cards! Use #WBChat and #eXASW to participate.

This week's topic: Saving Strategies!

Hello, former readers. Get Rich Slowly is back — and so am I.

Hello, and welcome back to Get Rich Slowly!

My name is J.D. Roth, and I founded this site in 2006. I sold GRS in 2009, but I bought it back last autumn. I’ve been publishing new material regularly for the past five months. It’s been awesome!

This announcement will seem strange to folks who have been following along since last October. I apologize. However, I just now reclaimed the old subscription management account from the site’s previous owners. That means — in theory — that when I publish this short blurb, up to 120,000 former RSS subscribers will suddenly discover that I’m back and that the site is back.

Best Deals for Thursday 03/15

Link for teaser title: 

http://www.wisebread.com/bestdeals/today

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Why ‘It’s Only $X per Month’ Is Disastrous Financial Thinking

Recently, my wife and I have been shopping around for a car to replace our 2004 vehicle, which has over 200,000 miles on it and a host of repair issues starting to pop up. At one point during this process, we found ourselves at a dealership and we overheard a financial representative talking to a customer while we were waiting.

Part of the representative’s pitch to this customer involved looking at different financing options (something I’m glad that we’re able to avoid, because we’re simply paying cash for the replacement). The finance person was clearly nudging the customer toward a long-term finance package and was pitching it hard because the package was “only $350 per month.”

Only $350 per month.