man writing a letter

Human Capital vs. Financial Capital: What They Mean and How You Can Take Advantage of the Difference

Human capital. Financial capital. They’re terms that sound like “business speak,” but when you boil them down, they’re just describing things that most people intuitively

money

The 10 Core Principles of The Simple Dollar

IDEA: Start a personal finance blog. Two Cents? Articles focused on practical stuff, positive, straightforward, earnest. Personal finance is easy to understand but hard to

07.23.16
back to school shopping

Our Family’s Strategies for Saving a Mint on the Back-to-School Season

It’s an annual tradition of sorts for parents all across the country. The summer starts to wind down. They get a letter from the school

determination and grit in personal finance

Personal Finance and Grit

A few weeks ago, I made an offhand mention in a reader mailbag about the wonderful book Grit: The Power of Passion and Perseverance by

playing pokemon go on smartphone

Avoiding the Temptation to Spend Money on ‘Free-to-Play’ Online Games

Max wrote in with a great question that started off in the reader mailbag, but eventually grew into a rather long post. Here’s what he

woman shopping

10 Questions to Ask Yourself About Any Purchase

For me, and for a lot of other people, shopping can be a very impulsive exercise. When something you want is on your radar, you’re

07.19.16
dollars

Big Changes versus Little Changes: Which Has More Impact on Your Finances and Your Life?

Most people who share personal finance advice tend to agree on a lot of the core principles. Spend less than you earn. Save for the

Future Today

Coming to Terms with Letting Others Down Because of My Past Financial Mistakes

It is impossible to look back at the state of my life when I was at my financial low point and not feel some degree

07.15.16
home for sale - how much house can i afford?

How Much House Can I Afford?

I often receive emails from readers concerning whether or not the sender can afford a particular house – or how much house they can afford.

07.15.16
ginger root

The Ginger Principle: When Buying in Bulk Is a Mistake

Sarah and I are adventurous amateur chefs. We love trying all kinds of things in the kitchen with fresh ingredients and interesting flavor combinations. Like

silhouette

‘I Make Myself Rich by Making My Wants Few’

The title of this article is a quote from Henry David Thoreau, one that came rushing into my mind yesterday as I looked at Amazon’s

woman looking at numbers - credit scores

What Is a Good Credit Score Range?

Ever wonder what is a good credit score, and why this little three-digit number is so crucial to your financial well-being? Can it really affect your everyday life?

woman shopping

How Born Spenders Can Become Born-Again Savers

Are you a born spender? Many people are. Recent research shows that it might even be genetic. Still, like many genetic predispositions, just because it’s

shopping for dresses

Does This Purchase Make My Life Better?

If you want one powerful, burning question to cut through your financial situation like a hot knife through butter, this is the one: Does this

07.07.16
college graduate

Nine Things I Would Do Differently for My Finances and My Career If I Graduated Today

This past May, a person that I have a lot of respect for graduated from college. This person has a ton of character and a

listening to a podcast

Enrich Your Life With These Four Financial Podcasts

I am a podcast fanatic. Once I realized I could listen to entertaining, thought-provoking, and informative audio shows whenever I wanted, and that they were

sand running through fingers

12 Key Principles of Goal-Oriented Personal Finance

Different people approach personal finance in different ways. Some people simply like to follow “rules,” like “put 10% of your money toward retirement” or “spend

spending money before you have it

The Trap of Spending in Anticipation of Becoming Rich

When I first graduated from college, I was lucky enough to get a pretty good job almost immediately. In fact, my first day at that

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