I want everyone to pull up a chair and get comfortable because I'm about to tell you a story that may seem hard to believe -- but it is the absolute truth. Awhile back, I made a decision that forever changed my relationship to money: instead of ...
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How Fees Quickly Erode Your Savings Account Returns
Your savings are a long-term investment, and whether you have accounts for short term purchases to furnish your home, or fill your wardrobe -- or whether you have your emergency fund and bill payment funds saved in the same place -- you've worked ...
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How to Save for Retirement When You Don’t Make a Lot of Money
Work for 30 years, retire, and enjoy your golden years, without doing too much to save for retirement because Social Security plans are enough; it may sound like science fiction now, but decades ago retirement planning was as simple as that for most ...
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Powerful It Is: How Compound Interest Is Like the Force
George Lucas continues to mislead millions of people into believing that the most powerful force in the universe is, well ... the Force. But every successful household CEO knows for a fact that Lucas is dead wrong. That is not surprising at all given ...
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3 Ways You Can Save Money by Spending It
You might think that the best way to save money is to not spend it. However, some of the most useful money saving tips involve taking advantage of free services and exercising a modicum of self-control. But those are not the only ways to save money. ...
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7 Money Skills My Immigrant Parents Taught Me
Im Asian-American, straight off the boat ... er, straight off the Boeing. My parents carried me to the Land of Stars and Stripes back when I was wearing diapers.
Since good ol' Mom and Dad didn't launch their lives in America until they reached ...
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A Simple Trick for Getting Credit Card Interest Charges Waived
There are those who steadfastly insist that credit cards are evil, and that credit card companies are greedy heartless scalawags that care only about one thing: making a profit.
I've got news for them: Credit card companies aren't evil.
Neither ...
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10 More Old Wives’ Tales Masquerading As Financial Rules of Thumb
There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth.
I know. I don't buy it either.
Still, let's assume these folks know what they're talking about; ...
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A Child’s Wise Advice to Adults on How to Earn and Save Money
My daughter, Nina, is 18 years old today.
I know it's cliche, but I truly do remember the day she was born like it was yesterday.
I'm happy to say that Nina has always been a natural saver and good at managing her money -- and when it comes to ...
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5 Common Money Mistakes New Graduates Need to Avoid
Let me be the first to tell you that it's OK to make mistakes.
Financial experts will tell you that the first few years after graduation are the most important. They're right. Compound interest means that the money you save today in your early ...
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6 Cheeky Ways Frugal People Save Money
Hands up if you love budgeting.
The odds are, most of you will be shaking your heads, rolling your eyes, or perhaps even thinking about moving on. Seriously, who wants to read any more crap about how to budget?
But wait!
We know you've heard ...
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Is 15% of Your Income an Adequate Savings Rate For Retirement?
From the moment we start working, we're already thinking about retirement. Over the course of several decades, countless people put aside funds to ensure that when they are older and ready to hang their hats for the remainder of their life, they have ...
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A Few Fun Facts About the Average Coupon User
How often do you use coupons when you are shopping online or in local stores? One of the best ways to save money is by using coupons. It's no secret that more people are looking for smart ways to reduce costs -- and coupons are one of the easiest and ...
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100 Words On: Why Frugality Has Its Limits
The main benefit of frugality and saving is they're good habits that lay a strong personal finance foundation. That being said, the frugal lifestyle definitely has its limits. Although scrimping and cutting corners can result in significant savings, ...
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An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!
I have a confession. Normally I spend a lot of time emphasizing the importance of cultivating habits that reduce your desire to spend.
But I have one habit that makes me want to spend more money. It's a practice -- something I do almost daily -- ...
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Saving Money Is Easy When You Know This Simple Trick
If you search Google for "how to save money," you'll get 396 million results. See for yourself; I'll wait.
With that many results, how is it possible that people still have trouble saving? I'm sure that one of your New Year's resolutions was to ...
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Why Some Who Cut Expenses to the Bone Still Can’t Make Ends Meet
The other day I was fueling up my car at the local gas station. While I was waiting for the tank to fill, I thought it would be a good idea to get rid of the remains of a ridiculously large bug that was splattered on the windshield.
Unfortunately, ...
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100 Words On: Why a Penny Saved Is More Than a Penny Earned
I think it was the Quaker Oats guy who famously declared that a penny saved is a penny earned. However, because of taxes, a penny saved is actually worth more than a penny earned. To illustrate, if you happen to be in the 10% tax bracket, every taxed ...
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A Real-Life Example Why Every Homeowner Needs a Hefty Emergency Fund
Believe it or not, a recent survey found that nearly 7 in 10 Americans have less than $1000 in savings. And while I can at least partially understand why those living on very tight budgets may have trouble accumulating a large amount of savings, I ...
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12 Painless Ways to Save $2000 Before the Holidays (Part 2)
Editor's Note: Part 1 of this article can be found here.
While I always recommend having a second source of income to cover increased holiday spending, you can also cut back your budget. In Part 1 of this article I showed you six painless ways to ...
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