Money Tips Network

How to save big with a salvage title

This article is by staff writer William Cowie.

What was your first reaction when you saw “salvage title” in the headline? Cringe and shudder? Outrage, that anybody could seriously suggest something so risky on a respectable site like this? In mixed company, no less? Step away from the ledge, slowly, exhale, and then hear me out.

I used to feel the same way … until my friend Peter showed me his “new” 4Runner. Peter is a super-frugalista, and he saw the surprise in my eyes. He laughed, “Hey, it’s a salvage title — I got it real cheap.” He bought his son one of those, seven years back, and that car has run problem-free all that time. So he thought, “Why not get one for myself?”

Why not, indeed?

What is a salvage title?

How NOT TO Answer 10 of the Most Common Interview Questions

A smart, thoughtful answer to an interview question can help you clinch the job. Likewise, an epic blunder can knock you out of the top three. So it's as important to study what NOT to say as it is to practice and polish your real answers. (See also: How to Answer 23 of the Most Common Interview Questions)

Read on for our round-up of common job interview answers to steer clear of. You can thank us when you're in your brand new corner office.

How NOT TO Answer 10 of the Most Common Interview Questions

A smart, thoughtful answer to an interview question can help you clinch the job. Likewise, an epic blunder can knock you out of the top three. So it's as important to study what NOT to say as it is to practice and polish your real answers. (See also: How to Answer 23 of the Most Common Interview Questions)

Read on for our round-up of common job interview answers to steer clear of. You can thank us when you're in your brand new corner office.

Ten redundant money expressions (and one curveball)

I’ll admit it. I’m a card-carrying member of the grammar police, the spelling police, and the style police.

“Weird Al” Yankovic released his newest album Mandatory Fun less than two months ago.  He parodied a Robin Thicke’s “Blurred Lines” with “Word Crimes.”  If Weird Al’s song speaks to the innermost parts of your being, then you understand.

And, it you’re scratching your head:  No worries; we can still be friends!

Below is a list of commonly used, but redundant, money expressions.  The phrases either deal with money directly, or deal with issues that can cause people to spend a lot of money.

Best Money Tips: Ways to Save Money at Target

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on ways to save money at target, getting the most from your auto insurance claim, and crucial things to know about life.

Top 5 Articles

10 Ways to Save Money at Target — To save money at Target, shop early in the week and look for mobile coupons. [Kiplinger]

How to Get the Most From Your Auto Insurance Claim — If you want to get the most from your auto insurance claim, never accept the adjuster's first offer. [Bargaineering]

Independent People Have These 7 Things in Their Homes — Do You?

Independence can be hard-earned, and even more difficult to keep. But part of that battle is providing yourself the right tools — not just in terms of "skills," but actual, physical things. (See also: People Who Love Their Bodies Do These 12 Things — Do You?)

Whether it's about mastering your domain, maintaining health, or just not having to call a plumber, here are seven things you'll often find in the homes of truly independent people.

Questions about Leftovers, Hobby Hype, Dollar Stores, Convenience, and More!

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Planning for disabled child’s future
2. Investing while in debt
3. Ethics of possibly stolen items
4. Overseas money transfer
5. Dollar store purchases
6. How young can investing start?
7. Used car valuation
8. Buying local
9. Convenience and frugality

What’s the definition of success?

This post is by staff writer Honey Smith.

Just because two people hear the same word or phrase, doesn’t mean that they are conceptualizing the same thing. For example, I live in the desert, so when I say that it’s “cold,” it’s a pretty safe bet that I’m talking about something different than the person who lives in Vermont. Similarly, if I say it’s “humid,” I am probably not thinking about the same thing as the person who lives in Florida.

It comes down to the difference between denotation and connotation. “Denotation” refers to something’s definition or literal meaning. “Connotation,” on the other hand, refers to what we associate with the use of a particular term. Connotations can be cultural in nature, though they may be based on personal experience. They can also evoke strong emotions (positive or negative), in both the speaker and the listener.

13 Dumb Little Purchases You Need to Stop Making Today

We all make dumb little purchases here and there — it's what puts the 'merica in America — but this habit can result in a whole bevy of negatives like unnecessary overspending and hazards to your health. Yep, some of them could actually be making you sick. (See also: Knowing Your Triggers Can Prevent Emotional Spending)

What seemingly harmless, little purchases are absolutely not helping you in any way and might actually be holding you back? Here are 13 that you need to learn to just say no to today.

Happy Labor Day

Just wanted to say "Happy Labor Day" to my readers in the U.S. I hope you are enjoying a day off.

I'm not blogging today -- plan to spend time with the family today. I'll be back on Wednesday with more money news, commentary, tips, and thoughts.

Saving for Retirement: How to Avoid the Roads to Ruin

They say there are many paths to financial success, but if you accept the idea that these are two-way streets, that means there are also many paths to financial ruin.

Maybe my view is skewed by the fact that people tend to come to me for financial advice once they are already in serious trouble. Then again, my interactions may just be representative of the national condition. A recent study by the Urban Institute estimated that some 77 million Americans have outstanding debt which has been reported to a collection agency, with an average amount owed of $5,200.

That amount owed isn’t even the real problem. The real problem is that if they are not keeping up with their bills, these people almost certainly are not saving enough for retirement. That will lead to even bigger problems later on.

Oh, how I wish I could go back and talk some sense into my free-spending teenaged self

As a teenager, I looked forward to growing up and leaving home so I could eat all the junk food I wanted. But now that I’ve done that, my perspective has changed. I avoid junk food at all costs. I’ve matured a lot when it comes to money, too. As a kid I dedicated every [...]

Oh, how I wish I could go back and talk some sense into my free-spending teenaged self from personal finance blog Bargaineering.com.

This blog was posted by

Oh, how I wish I could go back and talk some sense into my free-spending teenaged self

As a teenager, I looked forward to growing up and leaving home so I could eat all the junk food I wanted. But now that I’ve done that, my perspective has changed. I avoid junk food at all costs. I’ve matured a lot when it comes to money, too. As a kid I dedicated every [...]

Oh, how I wish I could go back and talk some sense into my free-spending teenaged self from personal finance blog Bargaineering.com.

This blog was posted by

Reader Stories: Living in a Car to Pay Off Debt

Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. Want to submit your own reader story? Here’s how.

I don’t spend lavishly on clothes, hair appointments, or travel. I drive a 12-year-old Honda Civic. I got into debt by trying different business investments, including real estate and selling refurbished tablets. I also took out a student loan that I really didn’t need but couldn’t turn down the money I automatically qualified for. Those are the main sources of my debt.

20 Great Games to Play with Stuff You Already Have

Playing games at the kitchen table is a regular part of life at our house. I play games after school three or four days a week with my children, as well as a family game night most weeks. Sarah and I play games together one or two nights a week, and I have a regular game night with a few friends. Sarah and I also host a potluck dinner about once a month where we invite friends over to play games.

While many of the games we play are ones that have been purchased or received as gifts over the last fifteen years or so, some of them are actually games that we play using a few items we would have around the house anyway.

The heart of a game is the people you play it with. If you have a group of people that are all on board for whatever you’re doing, you don’t need a nice game board or production-quality materials. You just need a fun game idea.

Wise Bread Reloaded: The Surprisingly Easy Way to Defend Your Knees and Other Air Travel Tips

By now you've heard of the contretemps aboard an airliner last weekend during which one passenger prevented the seat in front of him from reclining through use of a device called the Knee Defender. Frustration ensued until the passenger seated ahead doused the passenger seated behind and the Captain diverted to another airport and both passengers were escorted off the plane. Ever since, the Internet has been all worked up about whether or not the Right to Recline is an actual right (a recent poll suggests a majority of Americans think it's a right).

Wise Bread Reloaded: The Surprisingly Easy Way to Defend Your Knees and Other Air Travel Tips

By now you've heard of the contretemps aboard an airliner last weekend during which one passenger prevented the seat in front of him from reclining through use of a device called the Knee Defender. Frustration ensued until the passenger seated ahead doused the passenger seated behind and the Captain diverted to another airport and both passengers were escorted off the plane. Ever since, the Internet has been all worked up about whether or not the Right to Recline is an actual right (a recent poll suggests a majority of Americans think it's a right).

What to Buy (and Avoid Buying) in September

Once again, we're heading into the home stretch; the big shopping days are going to be here in no time. Black Friday, Holidays, New Year, it's all just around the corner. But for many of us, there are still a few great months of sunshine. And whatever the weather, there are always great bargains to grab, if you know what you're looking for. Here's the list for September.

First, What to Buy…

Obviously September kicks off with Labor Day, and you'll find a lot of retails stores taking advantage of that long weekend. This is also the month we kick off Oktoberfest (yes, it starts on September 21st) and cheese pizza day (September 5th). But if those aren't appealing, check out the following deals.

What to Buy (and Avoid Buying) in September

Once again, we're heading into the home stretch; the big shopping days are going to be here in no time. Black Friday, Holidays, New Year, it's all just around the corner. But for many of us, there are still a few great months of sunshine. And whatever the weather, there are always great bargains to grab, if you know what you're looking for. Here's the list for September.

First, What to Buy…

Obviously September kicks off with Labor Day, and you'll find a lot of retails stores taking advantage of that long weekend. This is also the month we kick off Oktoberfest (yes, it starts on September 21st) and cheese pizza day (September 5th). But if those aren't appealing, check out the following deals.

Best Money Tips: Eat Better Food For Less

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on eating better food for less, making big life decisions, and cheap baby essentials under $30.

Top 5 Articles

Shop Like the French. You'll Eat Better Food For Less — Shopping often and buying whole foods can help you eat better food for less. [Free to Pursue]