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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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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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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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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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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12 Painless Ways to Save $2000 Before the Holidays (Part 2)
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 do this. Here are six more:
Shop For Lower Insurance ...
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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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