Money Tips Network

The Five Types of People Who Never Retire (Are You One of Them?)

"I actually think the whole concept of retirement is a bit stupid, so yes, I do want to do something else.

Seven Strategies I Use on Black Friday and Cyber Monday

I’ll be honest: since about 2009, I haven’t left the house on Black Friday. Instead, I usually sleep in after a long evening spent eating a big meal and having a few glasses of wine with family members. I do get up and check a few online sales, but I haven’t found anything in a brick-and-mortar store that makes it worthwhile to actually go out there and battle the crowds.

That doesn’t mean I don’t utilize the bargains on Black Friday and Cyber Monday. I usually do end up buying an item or two each year based on those sales (though they have usually been online buys), but I have a very specific strategy that I use to make this work.

What to Eat for Lunch for a More Productive Afternoon

You need fuel to perform your best. And it makes all the difference whether that fuel consists of processed sugars or healthful, natural ingredients like protein and vitamins.

How to Save for Your Child’s College Education


Whether you hope to fund part or all of your child’s college education, here’s how to get started. Photo: Maxime McDuff

When families talk about college, the subject of money is never far behind. Seeing so many graduates overloaded with student loan debt, with 19% of borrowers owing more than $50,000 upon graduation, can be pretty scary for parents and students alike.

7 Ways Your Credit Card Benefits Will Save You Money

In the words of Anna from Frozen, "Wait! What?" Credit cards can actually save you money? Yes, they can if you know how to use them correctly. (See also: 13 Awesome Credit Card Perks You Didn't Know About)

Here are seven ways your credit card can save you money.
1.

How does a strong dollar affect you?

This article is by staff writer William Cowie.

You have probably heard it before: At the end of yet another melancholy rant about how bad things are in America, someone inevitably adds “… and then the dollar is so weak, too.” Well, lament no longer because the dollar recently reached a seven-year high.

How is the dollar measured?

The U.S. dollar is used to measure so many things. The gold price is quoted around the world as so many U.S. dollars per fine ounce. Oil, too, is quoted as yea-many American dollars per barrel. Many other countries establish the value of their currencies against the dollar. So what do you use when you want to measure the thing that measures seemingly everything else? How do you answer the seemingly simple question: What is a dollar worth?

How do you find happiness with money?

An acquaintance of ours returned from a missionary trip to Tanzania recently. As these cross-cultural encounters go, each side had plenty to share with the other about their lives. Toward the end the trip, she asked one of the locals what stood out from everything the Americans related. It was that there are people on this earth who actually spend money to walk. (He was referring to Americans either buying treadmills or paying gym memberships to walk on them.) They (everyday folk in Tanzania) have no choice but to walk miles every day, and they simply have a hard time imagining walking as a luxury for which one would pay serious money.

How do you find happiness with money?

An acquaintance of ours returned from a missionary trip to Tanzania recently. As these cross-cultural encounters go, each side had plenty to share with the other about their lives. Toward the end the trip, she asked one of the locals what stood out from everything the Americans related. It was that there are people on this earth who actually spend money to walk. (He was referring to Americans either buying treadmills or paying gym memberships to walk on them.) They (everyday folk in Tanzania) have no choice but to walk miles every day, and they simply have a hard time imagining walking as a luxury for which one would pay serious money.

10 Ways to Save Ruined Recipes

Do you routinely create havoc in the kitchen? Turn that frown upside down! There are a number of food hacks that can help in even the most helpless situations and result in something utterly… well, edible.

Best Deals for Tuesday 11/25

Link for teaser title: 

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

Up to $200 off Best Buy Early Access Black Friday Deals, J.Crew Factory Black Friday Sale: 50% off sitewide,...

How to Build Your Resume in College


Volunteering is one way to beef up your resume when you don’t have much experience yet. Photo: Texas A&M

Building a resume is a tedious task, especially when you’re still in college. But a solid resume can help you score a great internship or land your dream job (and help you start paying back those student loans).

Even though you might still be in school, with barely any experience to speak of, you can start building your resume today. Here’s how.

How Can I Get Experience?
Do an Internship

An internship is the ideal way to build “real-world” experience in your intended field before graduation. Even if that internship doesn’t lead to a job offer from the same company, you’ll have gained that experience for yourself and your resume.

Ask the Readers: What Are You Most Grateful For?

One of the major themes of Thanksgiving is gratitude. Ideally, we would show our thanks for the important (and the not so important) things in life every day of the year, but it can sometimes be left on the wayside when life gets busy or difficult.

7 Ways Auto-Payments Can Screw You

Setting up automatic bill payments can be a great way to avoid late fees and save time. But if your attitude is "set it and forget it," auto-payments can also come back and bite you in the butt.

Figuring Out the Path Forward

Most of the questions I get from readers about their finances have some things in common.

They’re at a crossroads of some kind. Whether it’s triggered by a major life change or not, they have a sense that their current direction in life isn’t perfect for where they think they want to be going.

They have some idea of where they want to go in the future, but it’s often cloudy and unspecific. There is a vague vision of “retirement” or “getting out of debt,” but they don’t really have any specifics about what that will mean.

The path between their current place and that destination is completely unclear. They know the specifics of where they’re at, but they don’t have any real idea how to move from where they are currently at to that vague goal of where they want to go.

6 Habits That Are Quietly Eating Your Brain

Bad habits — everybody's got 'em. But did you know that some of them are actually making you dumber?

Best Black Friday Deals for 2014


Thankfully, you may not need to battle the crowds at 3am this Friday to get a good deal. Photo: Powhusku

Love it or hate it, Black Friday ain’t what it used to be.

Time was, you’d gather with friends and family on Thanksgiving to over-indulge in food and football. The next day, off from work, you might go buy a Christmas tree and then head to the mall to start your holiday shopping. Pretty simple, really.

Soon enough, stores caught onto the fact that everyone was out shopping the day after Thanksgiving. They began opening as early as 6 a.m. for the savvy shoppers and hardcore bargain hunters looking to pick up an entire season’s worth of gifts in one day, most at a good discount.

The 5 Best Credit Cards With No Annual Fees

There are still many credit card users who refuse to pay an annual fee.

What to buy on Black Friday

This is a guest post from former GRS staff writer Donna Freedman.

Want to start a fight? Announce that you’ll be shopping on Thanksgiving Day.

A whole bunch of folks will likely sigh and mourn the once-was-sacred Thanksgiving dinner with family. Why, they’ll ask, would anyone want to shop on this day? Why would anyone force retail clerks into manning their posts even though they’d rather be home melting marshmallows atop sweet-potato casseroles?

One such pearl-clutcher, hearing that Macy’s would open at 8 p.m. on Thanksgiving, suggested to a Chicago-area newspaper that an obituary was needed. “I think this death needs to be acknowledged,” she said. “It is the death of Thanksgiving.”

Wow.

Hyperbole aside, she does have a point: Not everyone is excited about the idea of working on turkey day. (Some are, though. A relative of mine who works in retail is desperate for all the hours she can get.)

Zenhabits’ Leo Babauta on Mastering the Art of Change

I recently got the chance to sit down and talk to Leo Babauta, the creator of one of my favorite blogs, Zenhabits. We got to chat about habit change, debt, procrastination, and the common root of all of our problems, among other things.

Leo is living proof that we can control our lives and change them for the better. He’s out with a new book called Zenhabits: Mastering the Art of Change, available on Kickstarter.

My favorite quote from the interview:

We have this reptilian fear of not being good enough, but if you put it into the light of day, we will be ok even if we do it and it sucks.

The entire interview is loaded with tips and ideas on how to start small to make huge changes in your life. If you have 45 minutes, it’s well worth it! Below are some highlights from the interview.