You work hard day after day and feel that instead of working for your money, you could make money work for you. It is likely that you know people who seem to have a lot of free time, are less stressed are able to afford to go rock climbing or fly ...
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Why It Pays to Start Saving for Your Retirement as Soon as Possible
No one is suggesting it's easy for someone in their 20s to imagine retirement but the day does come. With life expectancy increasing all the time it is reasonable to suggest that healthy people can expect 20 years in retirement. For those 20 years ...
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Why Don’t You Ever Have As Much Money As You Think You Do?
It's a common experience for millions of people to take a peek at the bank account balance, only to learn that there isn't nearly as much money available as anticipated. What happened to it? Perhaps you immediately implicate your spouse or ...
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3 Financial Building Blocks That All Parents Should Teach Their Kids
No one is born knowing about money, and some people don't figure it out at any point during adulthood. Readers of Len's blog have taken it upon themselves to do that learning, and have likely reached a strong level of financial knowledge and skill. ...
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6 Ways to Save Money When You’re Living Paycheck to Paycheck
If you've been living paycheck to paycheck, starting a savings account might seem like an impossible feat. However, there are things you can do to save money, even if it's only a little bit at a time. For example:
Shop Smarter
One major reason ...
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How to Manage Bills and Save for a New Home When Your Income Is Spotty
Some of the most important things in life are always taken for granted. After all, most of us drawing a steady salary never consider how fortunate we are to get a regular monthly or semi-monthly paycheck. On the other hand, those who work on ...
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How to Jump Start Your College Savings by Using a Credit Card
(The following is a sponsored post from Upromise. All opinions expressed below are the author's, based upon personal experience with Upromise.)
College may not be for everyone -- but for many people, college will turn out to be an important and ...
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How Eating Donuts Can Help You Stay on Budget
Occasionally, my hubby picks up a donut for a breakfast treat. I usually refrain from this particular indulgence; too fattening, too many calories, etc. Yesterday, since it was such a lean sweet day, I decided to join him for a donut.
I selected a ...
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5 Ideas for Encouraging Your Kids to Save
As a parent of two children, I realized early on that trying to teach them the importance of saving money is a tall order. Let's face it, how many 9-year-olds care about stuff like the importance of spending less than you earn, or effective methods ...
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Coming Soon: The Greatest Wealth Transfer of All Time
Precious metals holders buy gold and silver because they understand that the majority of the modern financial world's assets are debt-based instruments and want to reduce their exposure to the resulting counterparty risk. Unfortunately, a large ...
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An Example of How Saving In Cash Erodes Your Long Term Purchasing Power
The trouble with holding long-term savings in cash is that the purchasing power of the U.S. dollar decreases every year because the federal government continually spends more than it earns.
Unfortunately, the erosion of the dollar's purchasing ...
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An Urgent Savings Recommendation
If I had a nickel for every time somebody has dropped me an email and asked me when our financial system is finally going to go belly up, I'd have about 85 cents right now. The truth is, if you look back, I never make actual predictions in my Black ...
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Stop Feeling Guilty! Why Getting a Tax Refund Isn’t Such a Bad Idea
I love getting a refund check from the tax man during tax season! Of course, whenever I say that, I almost always get chastised by somebody who tells me I'm crazy for feeling that way.
Indeed, most income tax experts advise us to take advantage of ...
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Mailbag: Are US Savings Bonds Worth Buying Anymore?
So in light of the Federal deficit, devaluation of the dollar, lack of jobs, etc., what's your view of U.S. Savings Bonds these days? I have some, and can't find anyone talking about whether they're still a good investment. Yes, they earn relatively ...
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Taste-Test Experiment: 11 Kids Evaluate Name-Brand vs. Generic Cereals
When it comes to breakfast, kids can be real cereal killers. Unfortunately, for those of us trying to lower our grocery bill, name-brand cereals can be a very expensive proposition.
That got me thinking: Can kids really tell the difference between ...
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My Kids’ Loan Interview with the Bank of Dad
When it comes to money matters, my two kids manage their personal finances in completely opposite ways. In fact, it is utterly amazing to me that my children are even related.
My nine year-old daughter, Lenina, likes to set goals and save her ...
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10 Out-of-the-Box Ideas for Saving Money
For many people, sticking to a tight budget often requires moving out of their traditional comfort zone.
Studies have shown that thinking "outside the box" can provide many creative ideas for keeping a household budget on track -- usually in ways ...
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Cheap Cooking: Fantastic Frugal Meal Ideas from Past and Present
I was on an extremely tight budget when I was in college, so I had cheap cooking down to a science.
Back then, dinner was number four on my list of priorities; right after tuition, beer, and rent -- in that order.
Many people on limited incomes ...
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Is Cell Phone Insurance Really Worth It?
Last month our previous cell phone contract finally expired. That made the Honeybee happy because it meant we could finally move to a new carrier with better coverage.
However, nobody was more excited than the kid with the fastest thumbs in the ...
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A Small Victory in My Quest to Raise Financially Literate Kids
Teaching kids about personal finance is not an easy job. Even so, as a parent I believe it is my responsibility to ensure that my kids have a thorough understanding of good personal finance practices before they leave the nest.
Ultimately it will ...
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