Money Tips Network

Affordable Online Master’s Degree Programs in 2015

This is part of a four-part series that focuses on affordable online education, specifically online colleges and various degree programs. Other articles in this series cover the most affordable online colleges in general, affordable online bachelor’s degree programs, and affordable online MBA programs. We hope this series can help guide people who are looking for a quality education online without breaking the bank.

Are You in the Wrong Career? Here's How to Tell

Welcome to the new normal: The average worker today stays in a job for 4.4 years.

You should probably expect that number to get even lower as 91% of Millennials expect to stay in a job for less than three years. (See also: 25 Career Changes You Can Make Today)

And while being labeled as a job hopper may make you less attractive to future employers, there's no time to waste if you don't like what you're doing. Here are seven tools to check if you're on the right career path.

The First 5 Things You Must Do After Getting Laid Off

A few weeks ago, I was laid off for the very first time.

I managed to stay calm and do everything I needed to do to make sure I wouldn't end up on the streets in a month. I think it was the shock, but whatever the reason, it taught me that I am stronger than I realized and that I have a tremendous support system. (See also: Job Hunting Tips for the Recently Fired)

These are the five things I learned to do and to keep in mind if you lose a job.

The Four Stages of Financial Independence

Financial independence is a tricky phrase because it can mean different things to different people.

Right now, I view financial independence as being a state where I no longer have to work for money. Yet, seven or eight years ago, I might have viewed it as simply being free from worrying about my next paycheck. At different points in there, I might have seen financial independence completely differently.

Along the way, I’ve come to realize that financial independence is made up of a series of stages. Some people might see more stages, while others might see fewer; I see four clear ones.

In my own financial journey – and in the journey of others that I’ve had conversations with – “financial independence” generally means the next stage that hasn’t been achieved yet.

7 Nice Ways to Tell Your Spendy Friends You're Staying on Budget

Unless you're invited to hang out at a friend's house, social invitations typically require spending money — going to the movies, grabbing a bite to eat, hitting an amusement park.

Ignoring an invite or saying that you're busy can get you off the hook, but friends might get suspicious if you pull the same excuse over and over. (See also: Is Peer Pressure Keeping You Poor?)

Ask the readers: Whom do you turn to for money advice, humans or robots?

This article is by staff writer April Dykman.

My personal finance education began here at Get Rich Slowly. I went from owing more money than I had to being debt-free (although now I have a mortgage). And along the way, I learned about money on websites and blogs. I used Mint to get my spending aligned with my goals and to track debt repayment. I opened and started managing my husband’s and my Roth IRAs online too.

Skip the Buffet and Other Simple Rules for Healthier Travel

The World Health Organization (WHO) estimates that 20% to 50% of travelers — about 10 million people — get traveler's diarrhea every year. No bull. (See also: How to Travel This Holiday Season Without Getting Sick)

It may be impossible to truly eliminate the risk of getting food poisoning, but you can take some precautions to reduce that possibility.

Food Groups

There are some food groups that are especially risky.

A Film About the Retirement Crisis

Most people like movies where the main characters get into a world of hurt but then, somehow, escape at the last minute and all is well.

The movie I'm about to tell you about is not like that. At least not completely.

The first part is what you'd expect (the world of hurt part), but unfortunately there's no happy ending.

Yep, it's a film about the retirement crisis in America. Here's a video summary of the movie:



The film covers several people planning to retire with absolutely no financial plan to do so. As you might imagine, that plan isn't going well.

A few key quotes:

Moving ASAP? Follow These Steps!

This post comes from Anthony Fontana at our partner site Zing!

Is there anything worse than moving? Before you call me lazy, I’m not talking about moving from the couch to the refrigerator for a beverage. I’m talking about moving from one home to another. It’s a pain, right? Not only do you have to find a new place to live, you’ve got to deal with switching addresses, packing and finding a new favorite pizza joint – to name a few.

One thing that many people have going for them when it comes to moving is time. Time to find a new home. Time to pack and make sure nothing important is left behind. Time to plan.

Affordable Online Bachelor’s Degree Programs in 2015

This is part of a four-part series on affordable online colleges and degree programs. The other articles cover affordable online colleges, affordable online master’s degree programs, and affordable online MBA programs. Our goal with this series is to help anyone interested in online education find the best programs for the money and walk away with a quality degree.

Who Should Consider an Online Bachelor’s Degree

Before getting into the list of the top five schools for an affordable online bachelor’s degree in 2015, let’s explore who an online degree is best for. That way, you can determine whether you want to move forward with research on individual schools and programs.

Naked With Cash: Betsey S, July 2014

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs).

For more information, read this introduction.

Best Money Tips: The Best Sites for Renting and Buying Textbooks

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on the best sites for renting and buying textbooks, steps to financial prosperity, and things you should know about the U.S. economy.

Top 5 Articles

The 11 Best Sites for Renting and Buying Textbooks Online — Half.com and Student2Student are a couple great textbook rental and buying sites. [The Real Deal]

6 Steps to Financial Prosperity — To be financially prosperous, choose a career and do it and marry your soulmate. [Learn Play Give]

15 Ways to Get People to Respond to Your Email

The average person spends about 13 hours every week sorting through email.

With the number of worldwide email accounts expected to hit nearly 4.1 billion by 2015, it seems that those hours are likely to keep on growing and growing. (See also: This Thing You Use Every Day Is Ruining Your Productivity)

Best Deals for Thursday 08/28

Link for teaser title: 

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

Victoria's Secret Clearance: Up to 75% off (from $3!), Up to 40% Off Select Rubbermaid Products, A-Fashion Women's Racerback Striped Maxi Dress for $9, and more!

Are You Eating the 10 Most Over-Priced Restaurant Menu Items?

Americans love to dine out. We spend an average of $1,000 annually just on going to lunch. In total, we each spend about $2700 annually in restaurants and on take-out.

And where I live (New York City), it's that much worse. So I decided to do a price comparison to discover the restaurant menu items that serve up the biggest cost difference from homemade versions. As a reference, I used the menus of my local, reasonably priced diners and mom-and-pop restaurants. If you eat out at more expensive restaurants, the price difference will be even more extreme. Here's what I found.

1. Pasta

Self-Reliance, Part Two

Three weeks ago, I shared with you the first third of my favorite essay of all time, Self-Reliance by Ralph Waldo Emerson. Self-Reliance has profoundly affected my life in countless ways, and I find myself re-reading it every month or two. Each time I read it, it reveals something new to me, giving me something to think about.

The original essay, published in 1841, outlines the value and need for each of us to follow our own path in life, one that relies mostly on our own efforts. It’s a call to do our own thing and to focus our energies in making our lives as independent as possible so that there are minimal consequences for doing our own thing.

You May Be Putting Your Retirement Money in the Wrong Place

For many investors, their primary — if not only — retirement investment account is their workplace 401(k) plan. But if you also have an IRA, perhaps because you rolled over the balance of a workplace plan from a former employer, it's important to make sure your account is at the best broker. Making that determination depends mostly on the size of your portfolio, the types of investments you prefer, and how much trading you do. (See also: Begin Your Investment Career Right With Some Mutual Fund Basics)

Let's take a look at some of the variables.

The high cost of infertility

When we asked you how to improve Get Rich Slowly, you told us you’d like an article on “The horrible, terrible, no good, very bad reality of paying for fertility treatments.” We can’t fit all of that into one post, but we did ask Joanna Lahey, who gave us a series on health insurance, to give a broad overview of the issue in this guest post.

Joanna Lahey is an associate economics professor at the George H. W. Bush School of Government and Public Service and a faculty research fellow at the National Bureau of Economic Research. The opinions expressed in this post do not necessarily reflect those of the aforementioned institutions.

10 Quick Ways to Become More Hygienic

Right now, at this very moment, there are germs running literally all over you, all over your home, and all over absolutely everything you own.

Please remain calm.

The 5 Best Hair Clippers

Investing in a solid set of hair clippers and cutting your own hair can save you a ton in the long-term on haircut costs. Higher-end hair clippers can be purchased that are practically identical to models that you'll find inside a barbershop or a salon. There are also myriad affordable hair clippers out there that are suitable for the occasional trim. Below is Wise Bread's list of top five hair clippers so that you can start getting your haircut on.