Money Tips Network

Grace And The Wild Blackberries

They grow in the field behind our house.

Wild.

Free.

Blackberries!

My son and I just picked a small, bucket-full of fresh, wild blackberries. A harvest of delicious and nutritious bites of awesome.


A small bowl of delicious, wild blackberries.

Picking blackberries is pretty simple. Watch out for the thorns. Be careful not to squish each berry. Eat slightly fewer berries than you place in your bucket. Check for snakes!

Grace.

We didn’t plant the blackberries. We didn’t water them. We didn’t fertilize them. We didn’t provide for them.

We simply enjoy them. That’s grace.

It’s free – and amazing.

Grace.

Slow and Steady in an Instant World

Right now, I can buy almost every book I can think of with a few clicks of the mouse. In fact, I can find almost any product I can imagine and easily have it delivered to my home in just a few days. It just takes a moment.

It is so easy to begin to expect to see results from everything almost immediately. More and more and more of our lives are becoming instantaneous, where we have a need or a thought or a desire and it can be met with a click or a text or a phone call.

Because of that, things that don’t provide instant response and satisfaction become harder and harder to deal with.

We can’t blink our eyes and find that our debts have vanished. We can’t simply flip a switch and have an ideal body shape. We can’t click a few times and have a strong and lasting relationship with someone. We can’t dream of a productive business or a self-employment gig and then suddenly see it appear in front of us.

Should You Become an Angel Investor?

Two years ago I wrote about how I was “winding down”, whatever that means, after selling Consumerism Commentary, in the sense that I was looking to involve myself in new projects. I was considering, among other things, investing a portion of my assets in start-up companies. In fact, I signed up for a service called AngelList that pairs potential investors with visionaries looking for capital.

I never took the next step. Although I continue think it’s a good idea to diversify my portfolio across a variety of investing possibilities, I’ve maintained a mix almost exclusively of stock and bond index funds. Several potential investment opportunities came to me from friends, but in the end, each opportunity didn’t progress to the final stage. I’m not so sure investing with friends is such a good idea anyway.

Reader Mailbag: Lifetime Learning

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. Protecting small business idea
2. Idea for app
3. Church donation advice
4. Side business income
5. Weird student loan arrangement
6. One meal a day
7. Gardening advice
8. Retire now?
9. Rollover or pension?

Coming to terms: retirement vs. financial independence

Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D. recently launched the Get Rich Slowly course, a year-long guide on how to master your money.

Last Sunday, I shared the transcript of a recent conversation between me and Mr. Money Mustache. We talked a lot about retirement and what it takes to get there.

“You and I are both supposedly retired, and yet we’re doing this work here where we’re talking to each other about money,” I said at one point. Pete and I have both accumulated nest eggs that would allow us never to work again. We both considered ourselves retired. Still, both of us have elected to continue doing work for money.

The 5 Secrets of Happy, Rich People That You Can Learn From

Rich and happy? Is that really a question?

The Beatles sang that "money can't buy me love," which has been argued with some cynicism ever since.

More money does, in fact, make us happier — up to a point. The rich can teach us a little bit about happiness, even beyond the fleeting happiness of spending money. But only if we understand that simply having (and spending) more money doesn't make us happier. It's how we spend it that counts.

Here are some tips from the lifestyles of the rich that apply to anyone, even those of us in the more modest income brackets.

How to Sign Up for Half-Price Flights and Free Hotels

Looking for a unique way to save money on flights and get free hotels? How about car rentals, bus rides, and even restaurant meals? You can save big bucks on travel by becoming a mystery shopper.

I recently took a flight from Canada to Peru for a 50% discount. And this summer I expect to fly to Switzerland (also for 50% off), and later in the year possibly to Australia — or maybe even Japan — for another 50% off.

I did this by flying as a mystery shopper. So it wasn't a discount for nothing. But overall, it's great value. Here's how to get started.

Best Money Tips: Ways to Be Happier With Your Work Life

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on ways to be happier with your work life, spoiling mom this Mother's Day without spending a fortune, and affordable ways to make your home original.

Top 5 Articles

10 Ways to Be Happier with Your Work Life — To be happier with your work life, eat healthy and follow your passion. [Lifehack]

Why You Should Build a Frugal Community — and How to Do It

At this moment, my husband and I are both unemployed. And although this sounds nuts, we are actually trying to maximize the duration of his unemployment. I want my husband to be able to find a job that makes him happy, not just the job that comes along first. This means we may have to live on a scary tight budget of unemployment insurance for all of 2014.

The question we are answering almost daily is, "Are you OK?" Not "Are you OK financially?" "Are you OK mentally, living check to check?"

Our answer is, "Yes, we're doing fine. We have frugal friends."

People Who Became Millionaires Overnight (and What They Did With the Money)

In his book "Money for Nothing: One Man's Journey Through the Dark Side of Lottery Millions," Edward Ugel wrote that many lottery winners were happier before they became millionaires. He should know. His job was to buy lotto winners' annuities for a fraction of their value, giving shortsighted winners a quick hit of cash and thereby helping them pour the bulk of their money down the drain.

Is the Corporate Career Track Right for You?

A corporate career was once the dream for middle class America. It provided financial security, social respect, and a shot at reaching the upper class.

Today, the corporate career track is profoundly different than in the past. Billion dollar startups and average-joe media sensations have robbed the corporate life of its glamour. Ever growing classes of college graduates have undermined its promise of accessibility. Generations of disgruntled middle-management employees have undone the hope of upper class mobility. And finally, massive layoffs over the last decade have completely disassociated the concept of financial security from the corporate ideal.

How to Stay in a 5-Star Hotel for Less Than the Cost of a Motel

Ocean-front resorts, ski-out rooms, four and five star hotels, suites, and included breakfasts may sound like hotel perks reserved for those shelling out big bucks on vacation, but the truth is that my family often stays in those hotels and with those perks without breaking the bank. We have stayed in four and five star hotels for less than the cost of a roadside motel. In fact, sometimes we don't pay any money at all for luxury accommodations.

Join Our Tweetchat on Thursday 5/8, 12pm PST for a Chance to Win $300 in Prizes!

Join our Tweetchat this Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win a $200 gift card, one of two $50 gift cards, or one of three copies of The Charles Schwab Guide to Finances After Fifty! Use #WBChat and #SchwabBook to participate.

The Coupon Rotation

Over the years, I’ve talked about several different methods Sarah and I have used to manage coupons at the grocery store.

At first, I wasn’t really convinced that coupons were worth the time investment. We clipped them leisurely, mostly as a Sunday morning breakfast activity.

The Simple Dollar Weekly Roundup: Cookbook Edition

The internet provides an absolute mountain of recipes for people who want to find them. There’s a recipe out there for almost anything you want to cook.

So why do I still love cookbooks?

Honestly, I haven’t found a better system for browsing cohesive organized recipe collections. I can get close to that experience by browsing the archives of a specific food blog, but even then, it’s harder to browse. I can annotate recipes, bookmark them, see techniques (in good cookbooks, anyway), and also be inspired to try something new.

I’m almost always thrilled to find an interesting cookbook at a used bookstore or to receive one as a gift, even with the millions of recipes one can find online. They just inspire me to try cooking things at home.

One year later: The benefits and tragedies of self-employment

This article is by staff writer Holly Johnson.

Almost exactly a year ago today, I quit my full-time job to pursue my passion — writing. It was one of the proudest moments of my life, but it was also terrifying. I had spent the last six years working alongside my husband, a mortician, in the funeral industry. My job certainly wasn’t perfect; but it was stable, well-paying, and sometimes fun. I also loved the people that I worked with and was extremely attached to a few. On the other hand, I knew it was time. I had been working full time and writing on the side for so long that I no longer knew what a “real life” was like. In fact, my “real life” was a mess.

Cost of Average Wedding Almost $30,000

I can't resist. I know I've covered the cost of weddings previously, but every year when the new numbers come out, I'm astounded once again.

Here are the highlights for 2013:

“Smart Pills” Will Soon Have You Swallowing Computers

Your doctor may soon be handing you tiny computers to swallow when telling you "take two and call me in the morning."

That's because Proteus Digital Health, a British medical technology company, has recently begun large scale trials of its so-called "smart pills," equipped with tiny sensors to monitor your health from the inside out.

Each pill contains a sensor the size of a pinhead, which, when paired with a bandage-sized patch slapped to your skin, will monitor health indicators like sleep, heart rate, respiration, and physical activity.

10 Words to Never Use in a Job Interview

Job interviews are tough, if you're lucky enough to get one. A recent study found that 80% of the available jobs in the US are never advertised. And only 20% of people who apply for any given job actually get an interview.

So, if you do have an interview lined up, congratulations; you've already beaten the odds. Now, you have to get through the interview, and once again the odds are stacked against you. First impressions count, and doing your homework on the company you want to work for is a given. But what else can you do, or not do, to improve your odds of getting the job?

8 Expensive Recipe Ingredients That Are Easy to Replace

As an avid home cook and baker, I've certainly had my fair share of mishaps in the kitchen. I've also learned some tricks along the way to make my hobby more rewarding and less expensive. As a vegetarian who favors vegan dishes, I've also become accustomed to substituting and swapping out certain foods. Eventually, I learned some pricey ingredients can be taken out of the picture entirely without compromising the finished product.

Here are eight ingredients you can do without (along with some substitution notes).