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Why You Need An Emergency Fund

It’s often said that trouble comes in threes. This past weekend, I narrowly avoided not one, but three expensive bills. On Friday, the washing machine broke down; it wouldn’t drain, leaving the drum and the laundry full of water. Fortunately, I was able to open it up and disconnect the pump from the hoses. Inside, […]

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So, How Are You Doing So Far This Year?

Believe it or not, we’re nearly 25% done with 2010 — a quarter of the year has come and just about gone. It’s crazy how time flies. It’s also about that time when you realize that, if you’re going to succeed in your financial goals this year, you need to keep yourself on the right […]

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The Scary Truth About Saving For Retirement

You don’t have to be 55 to start thinking about retirement. In fact, if you’ve waited that long, you’re in a bit of a pickle. While retirement often seems far away if you’re in in your prime working years, you need to make it a priority … now. Because the scary truth is that most […]

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Are Savers Losers? Or, is Robert Kiyosaki For Real?

I stumbled across this video the other day on YouTube, and let’s just say, I was rolling my eyes the entire time. But, it could just be me. Watch this video, let me know what you think in a comment, and then I’ll share my entire thoughts.

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How to Save Money Like Jay Leno

You never know where the best tips to save money will come from. (Well, we do know one thing: don’t listen to most athletes.) But there are some celebrities who actually do know how to manage their money and save for the future. Case in point: Jay Leno.

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Your Budget Will Always Have Unexpected Expenses

I love the end of the month. When I can see how well we did — if our spending was less than our income, and by how much — it gets us one step closer to our financial goals. But that’s in the good months. In the bad months, it’s not as much fun to […]

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Is It Possible to Completely Avoid Black Friday?

Black Friday is the biggest shopping day of the year, and by the time you read this, you’ll know whether or not you bought anything. There’s a certain thrill most of us get when we buy things. But, if you’re anything like me, there’s also a high chance of buyer’s remorse (and I don’t buy […]

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Change Your Attitudes to Change Your Finances

As someone who works hard at self-improvement on many levels, I’m always mindful of useful aphorisms to help foster growth. One good one is that “actions dictate outcomes, but thoughts dictate actions.” In personal finance as in the rest of life, how you think determines how you act, and consequently, the results you get. Quite […]

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Ask the Readers: Is Automatic Retirement Enrollment Necessary?

Over the Labor Day weekend, President Obama unveiled a new set of initiatives to make saving for retirement easier, including automatically enrolling workers in 401(k) and Simple-IRA plans, reports the Washington Post. “The fact is, even before this recession hit, the savings rate was essentially zero, while borrowing had risen and credit card debt had […]

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Weekend Linkage: Coupons, Credit Scores and Cut Backs

Do you know the best way to boost your credit score? In this economy, as our friends in the media love to say, it’s not easy to get your credit score high — and then keep it there. Visual Economics, who created the amazing graphics on paychecks and credit cards, offers these 4 tips for […]

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Using Coupons and Calendars for Big Savings

Years ago, a friend far more driven by money than I am shared with me this saying: “Pennies become nickels, and dimes become dollars.” His point, of course, is that putting together a lot of small savings or a lot of small profits adds up to something big. In order to cultivate a frugal mindset, […]

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To Save at College, Leverage Your Flagship University

Every fall, U.S. News and World Report publishes its annual Best Colleges list, which includes current tuition and fees. This and other college guides are excellent sources of tuition information, but generally this is only the sticker price. When it comes to tuition, the schools to watch are the state’s flagship public universities. In Virginia, […]

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Ask the Readers: Do You Split Your Direct Deposit?

While doing some research into direct deposit statistics, I came across an interesting release (PDF) as part of America Saves Week (which happened in February). The Consumer Federation of America (CFA), which managed the campaign, is encouraging people to split the direct deposit of their paychecks — meaning, have some of it go directly into […]

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