shopping on mobile phone

Instant Gratification: Why 76% of Americans Live Paycheck to Paycheck and How You Can Beat That Cycle with 12 Simple Strategies

It’s a statistic that I just can’t get over: 76% of Americans live paycheck to paycheck. That just simply blows my mind every time I

Freelancer finances

Why Expenses Really Matter When It Comes to Your Investments

So, how exactly does an investment house make money? Let’s use Vanguard as an example. You can go there, sign up for an investment account

mowing lawn

12 Things I Should Have Considered More Carefully Before Buying My First Home

Several years ago, my wife and I were in a bit of a personal bind. We lived together in what was about the tiniest two-bedroom

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


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

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


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

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.

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


‘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

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

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