The Latest

The Ultimate Guide to Cutting the Cable Cord

Cable television is expensive, not just in terms of money but also in terms of time. The service costs money, as does the electricity that powers your cable box and television, plus there’s the time spent watching television. It’s an expense that can drain both your finances and your opportunities. For us, cable television is …

Scrabble letters spelling 'financial aid'

College Financial Guide: Filling Out the FAFSA

There usually isn’t a conversation about college without the topic of money coming up. And rightfully so. College is expensive. CollegeData.com estimates that an in-state public college will cost you, on average, $22,826 per year; a moderate private school will cost nearly double that at $44,750 per year. Tack on changing majors, attending graduate school, transferring colleges, …

Categories: Education, Loans

Best Home Equity Loan Rates for 2014

  Home equity loans hold undeniable appeal for many homeowners. They’re a convenient way to unlock some cash by tapping the value built up in your home — money you otherwise won’t see unless you sell your home for a profit. Though you can use a home equity loan for almost anything, they’re especially appropriate …

Wealthfront Review

As I explained in a previous post, I’m on a quest to find the best retirement plan to roll over my old 401(k). I’m going to conduct the most thorough research I can — publicly — and then put my money where my mouth is, literally rolling over my old 401(k), worth approximately $85,000, into …

Are You Spending Too Much on Groceries?

If there is such a thing as an average family of four, there’s nothing average about how much that family spends on groceries. According to the U.S. Department of Agriculture, a family of four with two kids under age 11 spends anywhere from $654.20 to $1,302.20 per month on food. Why the huge disparity? First …

How to Find the Best Thrift Stores in Your Area

I have had a lot of success buying things at thrift stores, secondhand stores, and consignment shops. Here are just a few examples of things I’ve found. Several years ago at a secondhand clothes store in the Ames, Iowa area, I found a new – meaning it still had the tags on it – replica …

Categories: Frugality

Easy Ways to Fulfill a Credit Card Sign-Up Bonus

Most credit card rewards deals ask you to spend a specific amount of money on your card within a clearly defined time frame. If you complete the task and play by the rules, you can often earn a tidy sum of cash back, airline miles, or hotel loyalty points. Sounds easy, right? Unfortunately, some sign-up bonuses can …

Why a Two-Year Degree May Be Your Best Investment

Most experts agree that the economic value of a bachelor’s degree far outweighs the average cost of earning one. However, recent research has made it painfully clear that a four-year degree is not a good investment for every student. For example, a study by New York Fed researchers showed that the bottom 25th percentile of college graduates earned …

Frugality Without Sacrifice

Not too long ago, I received a really good email from a reader, “Jan,” who asked some pointed questions about frugality. Here’s that email, in part: Your story of how you and your wife dug out of debt and started building toward a financially independent lifestyle is a great one. You guys deserve applause for …

Categories: Frugality

I’m Covered — No You’re Not! How to Dispute Insurance Claims

You’re sitting in your favorite chair when you hear the sound of screeching tires, followed by breaking glass and crunching metal. Before you even have a chance to get up and see what’s happening, a 1977 Cadillac Coupe Deville crashes through your living room wall, knocking you from your chair and breaking your right arm …