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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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

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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


How Stoicism’s Principles Can Help You Transform Your Financial Life

Some of you may remember that, a few years ago, I wrote a three part series on Ralph Waldo Emerson’s essay Self-Reliance. I read it

calculating budget

Treating Your Financial Goals as a Part-Time Job

Many, many people across the world use a second job to support themselves and their families. They need to do this in order to make

child counting change

12 Strategies I Use to Keep My Finances as Simple as Possible (While Still Achieving Financial Success)

I’ve been writing about personal finance virtually every day for almost 10 years. During that time, I’ve tried countless personal finance and frugality strategies and read

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


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,

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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

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