Articles on Personal Finance

Time Is Money: Budget Them Both Out

We hear it all the time: Time is Money. But do we really treat our time with the same respect we treat our money? If we really do believe that time is valuable shouldn't we be budg

Conspicuous Spending: Fading to Black

In the black community and many other communities there is a sense that material possession and flair denotes character, accomplishment and power. It's a poor dad mentality and a

Mortgage bailout redux: new incentives for modifying second mortgages in the Second Lien Program

The United States government launched the "Hope for Homeowners" program back in October, 2008, and so far only one loan has received final approval to refinance under this program.

The Ultimate Cheapskate, Jeff Yeager, Tonight on Blog Talk Radio!

Jeff’s humorous (and sometimes rough) way of sharing frugality has been popular among many of our readers. We’ve got the exclusive interview you won’t want to miss! Hear Jeff sha

5 Places to Check out Medical Care for the Uninsured

With job loss on the rise and many people who can not afford medical insurance on their own, yet don't qualify for state or federal assistance, there are many who will skip medical

Economic effects of pandemic flu in a recession

While health authorities worry about the human cost of pandemics, other policy-makers have tended to focus on the economic costs. Economic impact takes many forms--drops in produc

Should you skip a mortgage payment to get a bank's attention?

The Obama administration announced a foreclosure prevention and mortgage reduction program about two months ago, and as of April less than 1000 loans have been refinanced under th

Do You Live In One Of America’s Most Foreclosure-Ridden Towns?

I’ve seen several houses in my area go into foreclosure over the last 12 months. The economy and over-inflated housing prices, coupled with predatory lenders and some very bad deci

Can't Get A Bank Loan? 8 Other Ways To Finance Your Business

Starting a business can easily become a money pit. So for those of you thinking about launching a new venture, what financing options do you have? Well, there's the possibility

Thrive: Your Online Personal Financial Planner

So you figure it’s time to proverbially grow up and get financially wise. But you don’t know where to start: you didn’t learn much in school or from your parents, the folks at the

Debit Or Credit? Which One Should You Choose At The Checkout?

Debit or credit? Although the outcome seems the same, it’s a different process with different consequences.

Are you a telecommuter paying commuter rates for auto insurance?

A couple of things to ask your insurance agent that might save you a good deal off of your car insurance.

A Stimulating Debate That Just Might Boil Down To Perception

How you perceive your tax rebate could go a long way in determining whether or not you’re going to spend it.

What can you do if you cannot afford to pay your taxes

Today is April 15th, also known as the dreaded Tax Day in America. Due to the recession many people may find that they do not have enough money in the bank to pay what they owe. I

Buying Shiny New Things Without The Guilt

Saving beforehand without dipping into savings or paycheck takes the guilt out of buying process.

Universal Life Insurance and Whole Life Insurance: A Comparison

So you think you need life insurance, or you know it is time to review the insurance coverage you currently have (which is something you do every few years, right? Right). You may

Financial Literacy Month Project: Setting Your Financial Goals

The latest report on U.S. savings didn’t look very encouraging. As the average savings rate dwindles (to almost zero in some demographics), it may see a bit overreaching to give ad

Tactics of the rich

There are things the rich do that working class and middle class folks don't. Some of them--living off the return on capital rather than wages or salary--are only available to the

Who Cares About Where The Stock Market Is Headed?

Where is the stock market headed? Any rally may simply be a "dead cat bounce". And while many investment experts are offering a variety of stock market predictions, some of those

iStopOver: Earn Extra Income or Travel on the Cheap, and a Special Promotion for Wise Bread Readers

Many people have put their vacation on hold with the current economic downturn, or are searching for alternative ways to travel on the cheap. Other people yet are looking to earn s