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In December, my husband and I celebrated 10 wonderful years of marriage. And after looking back on all of the memories, the triumphs, and the disappointments we lived through and experienced, we both realized a crucial fact – that, no matter what, neither of us would change a thing. All of the amazing experiences we had together – including the birth of our two children –led to moments in time we can cherish our whole lives. Our children’s first birthdays, their first days …

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We live in an age where there are more educational resources available to the average person than there ever have been before. For the lifetime learner – a label I would definitely apply to myself – the last decade has been incredibly rich with options and tools for providing yourself most of the quality of a college-level education (college has its own perks, such as networking and the overall environment as well as the degree at the end of the …

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Whenever I open our pantry door, I’m almost assaulted by the quantity of goods that I find in there. I see jars of pasta sauce, containers of beans and rice, boxes of pasta, herbs and sauces of all kinds. The items in our pantry were built up over many months of buying items on sale, picking up bulk purchases of items we know we’ll eventually use, and meals that were planned but went unmade for one reason or another. Those …

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The happier I feel about my everyday life, the less inclined I am to spend money on anything beyond the necessities. I stay well within budgetary constraints and save like a madman. On the flip side of that, the more frustrated and sad I feel about my everyday life, the more inclined I am to spend money on unnecessary things. I stray outside of my budgetary limits, make spending mistakes left and right, and my savings rate drops precipitously. I …

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This is the third in a series of posts called the “Two-Sided Coin,” where TSD’s Jon Gorey and Holly Johnson take opposing viewpoints on personal finance topics.  Holly: Debt Is a Wolf in Sheep’s Clothing On one hand, debt has allowed many of us to achieve the American dreams of home ownership and higher education. And for millions of would-be entrepreneurs, going into debt was really the only way to bring their dream of starting a business to fruition. On the …

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Yesterday, I published an article entitled What Spending a $10,000 Windfall Can Teach You About Your Everyday Finances in which I briefly spoke about the idea of spending that windfall on charitable causes. First, I directly discussed the idea of donating that windfall: When I think about charitable giving, I think on the local level, much like I do with political giving. The charities in my area that deserves the most attention, in my opinion, are the local food and …

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How would you like to earn a little money while also making the world a better place? That’s the premise behind socially responsible investing, a relatively new movement that aims to change investing from a purely profit-driven endeavor to one that incorporates your personal values as well. It’s a cool idea. But does it work? I talked to a number of financial advisors with a wide range of opinions on this topic to get a better sense of what socially …

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Recently, I had the pleasure of reading the excellent personal finance book All the Money in the World: What the Happiest People Know About Wealth by Laura Vanderkam. Early on in the book (starting on page 30 in the hardcover edition), Laura offers up a pretty interesting little thought experiment. To paraphrase her idea, she simply asks this single simple question: What exactly would you do if you had $10,000 to spend on whatever you wanted? Let’s assume that you …

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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. Just opened store credit card 2. Cooking site 3. Fiction writing 4. Tips or philosophy? 5. Piecing together car accident 6. Homemade laundry soap and HE 7. Finance with low capital 8. Banking system and government trust 9. Vanguard funds in another 401(k) 10. Personal loans from Upstart …

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Spring is here, and you know what that means. It’s time to enjoy the beautiful weather — and hold on to your wallet. Because as the Earth renews itself and new life springs forward, we tend to seek out some form of renewal in our own lives, too — whether it’s new curtains or a new car. Other times, all it takes is a sale on sandals or warm-weather gear to incite a spring spending spree that wreaks havoc on our finances. Spring money …

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