Retirement Planning: Contributions & Debt Repayment Tips

A few weeks ago, I put out a call on Twitter and on Facebook for detailed posts that people would like to see. I got

Improve Cash Flow By Paying Off Low Interest Debts

Quite often, when I write answers to reader mailbag questions, I encourage people to keep pushing hard against their debts no matter the interest rate.

A Little More Than the Minimum

Carolyn writes in: For the longest time, I’ve been making larger than minimum payments on all of my debts. I got the idea from Suze

Debt and Marriage: Sharing The Burden

You’re in a relationship. That relationship is starting to get serious. You’re contemplating marriage or some other form of long-term commitment. Now what? Quite often

You Need To Cut Your Spending. It Sounds Painful. Now What?

You’ve realized (finally) that you’re in a precarious financial situation. You’re spending more than you earn – sometimes quite a bit more. You’ve racked up

Some Notes on Filing for Bankruptcy

A reader who asked for anonymity wrote in: I’m visiting a lawyer next week to get started on filing for bankruptcy. I have no way


Car Finance: The Math on Why You Should Pay Cash for Your Next Car

Quite often, I get emails from readers asking about car finance. What is the “best” way to purchase a particular car that they want? They

APR, APY, and Mortgage Math: A Real World Example

I have lots of readers here in the central Iowa area, so it came as no surprise to me that when I began hearing an

Pay Cash or Not? Cash Flow Versus Liquidity

Let’s say, hypothetically, I have $50,000 in cash just sitting in my savings account. I need to replace my car and I’ve decided on a

Why a Zero Percent Auto Loan Isn’t Always the Best Choice

Brian writes in: I was at a local car dealership looking for a replacement for my truck. I only have about $8000 in savings so

Why Not Walk Away from My Mortgage?

Kelli writes in: My husband and I are sitting on a thirty year mortgage (with twenty six years left to go). We still owe $330,000

Credit Card Debt: Marriage, Privacy and Honesty

Archie writes in: In our marriage, my wife and I have agreed not to open financial statements addressed to each other. We supposedly did this

Debt Consolidation and the “Orbital of Stupid”

Yesterday, I heard a very interesting story on NPR that focused on Dave Ramsey looking at Greece’s debt situation through a personal finance lens. Without

The Myth of the Tax Deduction

Most of the time, when I talk about the implications of various debt repayment options on The Simple Dollar, I utterly ignore tax deductions. This

Never Cosign a Loan Unless You Want to Pay It Yourself

One of the most common questions I get is whether or not a person should cosign on someone else’s loan – a car loan, a

Going Up?

Today, Seth Godin (one of my favorite bloggers who usually talks about marketing) posted a great piece about consumer debt. Two great excerpts: Here’s a

Mortgage “Half” Payments: How Much Do They Save?

One frequent question I’m often asked is whether or not paying half of a mortgage payment twice a month versus paying a full mortgage payment

Insurance Companies & Debt Free Living

Mary writes in: My husband and I have been debt free for seven years. Hooray! We cancelled all of our credit cards in 2001 and

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