man flipping upside down off rocks

The Upside-Down Reason Most Americans are Broke

Years ago, when my husband and I were struggling to save, we managed our finances in the exact opposite way we manage them now. It

How to Build Credit

When people ask how to build credit, the “chicken or the egg” conundrum often comes up. Having a solid credit history and credit score are

broken down car on the side of the road

How to Anticipate Replacement Expenses and Save Tons of Money Along the Way

Things break down. Your car breaks down. Your washing machine starts making a loud “clunking” noise. Your air conditioning fails and the heat starts rising

shawshank

Personal Finance and the Shawshank Redemption

The Shawshank Redemption is one of my favorite films of all time, and I’m far from alone in that sentiment. It’s been the top rated

Craftsman Tool

Applying the Craftsman Approach to Tool Selection to Make Smarter Purchases

Recently, I had the pleasure of reading the wonderful book Deep Work by Cal Newport. In the book, he defines what he calls the craftsman

Money proxy for independence and freedom

How to Get Rich: 10 Ways Wealth Is Created

How do people get “rich”? It’s a question that I see almost constantly asked in popular culture, both directly and indirectly. It’s a constant theme

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Does Budgeting Seem Too Complex? Five Simple Alternative Strategies That Can Bring Real Results

Ever since I was a little kid, I’ve had an affinity for numbers. My father loves telling this story about how when I was seven,

06.17.16
writing on index card

The Freedom to Quit Your Job

Quite often, I talk about the concept of “financial independence” on The Simple Dollar. Financial independence, as I define it, is having the financial means

chess board

Finding Meaning in a Financially Challenging Life

For a period of time in the early 2000s, I had very, very little money to live on. It was during my final years in

brew great tasting coffee cheap

Revisiting the Latte Factor: The Power of Daily Routine

One of the most discussed concepts in personal finance is the “Latte Factor,” an idea first popularized by the personal finance writer and speaker David

track your spending budgeting

Eight Money Moves that are Always a Good Idea

Between the so-called money experts, your family members, and your friends, you’ve probably endured your share of outdated financial advice and plain old media hype. One

06.11.16
typing on laptop

The Tools I Use to Manage Work, Money, and Life

Every year or two since I started The Simple Dollar, I’ve sat down and reviewed the wide variety of tools – both electronic and otherwise

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Why Shopping Is the Enemy of Your Wallet … and Eight Strategies for Reducing Your Shopping Trips

Once a week, I go to a community board game night held in an open meeting room that’s conveniently next door to a local board game

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Help or Hard Work?

One interesting challenge of being a personal finance writer with a popular website like The Simple Dollar is that I get a lot of feedback

money sayings

11 Cheesy Money Sayings That Are Absolutely True

Most people have at least one family member who seems to know it all. They’ve got a snazzy saying for everything, an endless stream of

writing on index card

Can a Single Index Card Sum Up Your Personal Finances?

Several years ago, I wrote a really popular article entitled Everything You Ever Really Needed to Know About Finance on the Back of Five Business

05.28.16
payday lender in san francisco

How to Escape the Trap of Expensive Banking

One of the most powerful articles I’ve ever read is “When You’re Poor, Money Is Expensive,” in the Atlantic. The article lays out in incredible detail

warren buffett

9 Common Pieces of Financial Advice That I Consider Mostly Useless

I read a lot of personal finance books and personal finance articles. You’ll often find me at the library digging through the personal finance section,

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