statue

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 for the first time almost twenty years ago and not only has it had a tremendous impact on my life ever since, it’s also triggered a lifelong interest in philosophy and how it can impact how I choose to live my life. Perhaps more than any other topic, I’ve found incredible amounts of personal value …

Continue Reading

If you’d like to earn some extra pocket cash — and who wouldn’t? — the internet is a treasure trove of viable options to do just that. With a connection to the web, you can jumble together an array of part-time jobs – from renting out a room in your home on Airbnb to running errands or shopping for your neighbors through apps like TaskRabbit, Postmates, or InstaCart. Heck, you can even buy and resell items (or sell your old …

Continue Reading

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 ends meet, but they do it so that they can keep food on the table and maybe get a little bit ahead in the world. Yet many people who are lucky enough to earn enough money to make ends meet for themselves never stretch themselves beyond their first job. They have big financial goals, but …

Continue Reading

You know that feeling after you finish a really hard workout? When your blood is flowing, your skin is glowing, and you feel like you can take on the world? Imagine having that feeling every morning, without even having to work out. If you’re thinking that’s too good to be true, well, you’re partly right. Because in order to experience that endorphin euphoria sans exercise, you’ll have to immerse yourself in a freezing-cold shower or bath for a few minutes every day. I’m …

Continue Reading

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 an absurd number of personal finance books and articles. After all of that, one might expect that I have some pretty complex strategies for managing my own finances. The truth, however, is held in the title of this website. After all of these years and all of these tactics I’ve tried, I still find it …

Continue Reading

People tend to think of bankruptcy as the financial equivalent of breaking a mirror — seven years’ bad luck. And while bankruptcy is no walk in the park, fear can prevent people from using it as it was intended: as a a tool to get their financial house in order. Make no mistake about it, though: There is life after bankruptcy. Whether or not you should file for bankruptcy is a deeply difficult and personal decision, but you should let the facts, not …

Continue Reading

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Pricing for a new business 2. Handling windfall 3. Alone and disabled 4. Starting off with poor credit 5. Walking away versus security 6. Frugal fun that isn’t boring 7. Inexpensive shaving without safety razor 8. Cheap stuff scares me 9. Thoughts against the latte factor 10. Using …

Continue Reading

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 was the mid- to late-2000’s and we were raising young kids and managing full-time jobs. We were busy, so we had scarce time to plan our spending or create a budget of any kind. We paid our bills on time like good adults, and then we spent lavishly on what we wanted. We worked really …

Continue Reading
Written by

According to the CDC’s 2015 health report, the top ten leading causes of death among Americans are as follows: Heart disease: 614,348 reported deaths in 2014 Cancer: 591,699 Chronic lower respiratory diseases: 147,101 Accidents (unintentional injuries): 136,053 Stroke (cerebrovascular diseases): 133,103 Alzheimer’s disease: 93,541 Diabetes: 76,488 Influenza and pneumonia: 55,227 Nephritis, nephrotic syndrome, and nephrosis (kidney diseases): 48,146 Intentional self-harm (suicide): 42,773 If you separate out deaths due to auto accident, those add up to 30,800, the largest portion of …

Continue Reading

Can you imagine walking through your entire life… in two feet of water? You’re commuting to work in water, walking up the stairs to your office in water, and struggling to take care of your kids and the house with the resistance of water adding stress to your every move. And the only time you get a break is when you lie down – tired from you’re exhausting day. You’re technically able to move forward, yes, but you’re using a lot more energy …

Continue Reading

Our Featured Contributors

Simple Share Buttons
Simple Share Buttons