woman paying bills on computer

How to Live on Last Month’s Income

For a long while, I’ve been an advocate of You Need a Budget, which is a software package and philosophy that I use for budgeting.

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Five Ways to Write Off Your Next Vacation

Planning a vacation and dreading all the costs? While there are many ways to spend less on vacation, there’s another route to try if you want to travel

investing charts

Roth IRA vs 401k? You May Not Have to Choose

One of the most common retirement questions I get asked is: Roth IRA or 401(k)? Although both are good options worth considering, the answer isn’t

03.27.15
Woman holding miniature house

Buying a House? How to Save for a Down Payment

By Peter Miller Saving for a new home has just become easier. Both Fannie Mae and Freddie Mac say they will now buy mortgages with

03.21.15

A Simple Trick to Get Organized With Your Money

What did you buy today? No, really. I want to know everything you bought. Sit and think about it. Did you buy a meal out,

03.20.15
Ohio State Library

Six Biggest Myths About 529 Plans

By Kathryn Flynn A college degree is worth more today than ever before. In fact, according to a study by Pew Research, young adults with

03.18.15
woman looking at city out the window

Why Americans Aren’t Ready for an Emergency

Let’s talk about our saving skills for a minute, America. Because it seems that while we’re improving, we have yet to master the skill of

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Don’t Waste Your Tax Refund: Four Better Ways to Use It

According to the IRS, the average tax refund so far this year has reached a staggering $3,539. It’s still early, however. And as the tax agency notes,

03.10.15
teenage girl texting

Three Simple Money Management Lessons for Teenagers

My most important goal for my children is that they grow up to be independent human beings. Although my twins are only a few weeks shy

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Balancing Act: Pay Down Student Loans or Save More?

You’re finally there: You’ve graduated from college after many hard years, you’ve got a job in your field, and you’re actually able to balance your

02.23.15
Kindergarten graduation

More Than One Kid? How to Save for College

A reader named Autumn asks a good question: “Hi, I need some advice… My sweet newborn was given a little over $1,000 from our family

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Getting Rich on a Small Salary

Once every month or two, I’ll come across a story like this one that describes how someone on a small salary managed to slowly amass

woman and tow truck operator observing broken-down car

Dealing With an Unexpected Financial Blow

It was the most bizarre sound I’ve ever heard. I was driving down the interstate with both of my babies strapped into their car seats.

man counting money with calculator

60 Simple Rules of Personal Finance

A while back, I was asked to give an hourlong presentation where I talked about my key principles of personal finance. I chose to give

working in coffeeshop

Six Big Financial Differences Between a Normal Job and Self-Employment

In 2008, I took the leap from a traditional white collar job into self-employment, mostly on the back of a small side gig I had

01.23.15
State of the Union address 2015

Proposed Changes to 529 Plans Would Dampen Their Appeal

In his State of the Union address Tuesday, President Obama proposed changes to 529 college plans that may force the 7 million families using them to

01.23.15
repair

Why Your Budget Needs a Buffer

When my husband and I discovered zero-sum budgeting several years ago, we knew we were onto something. Because of the way zero-sum budgeting works, it

Guide to Self-Directed IRAs

The history of retirement plans in the United States is neither as old nor as extensive as most people think. The first private pension fund

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