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Tips for Landing a Job After College

Buckle up. You’ve done the work, and you’ve got the debt to prove it, but you’re finally finishing college and ready to start looking for a job. Piece of cake, right? Not to scare you, but the unemployment rate for recent college graduates is at 8.5%, and the underemployment rate is at 16.8%. That doesn’t mean …

Categories: Careers, Education

Inspiration from Terry Pratchett, Rhiannon Giddens, Stephen Jay Gould, and More!

Once a month (or so), I’ll share a dozen things that have inspired me to greater personal, professional, and financial success in my life. I hope they bring similar success to your life. 1. Sir Terry Pratchett on the impact of a person “No one is actually dead until the ripples they cause in the …

Categories: Inspiration

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, most of the big refunds are filed quickly since the people receiving them don’t want to wait for their payday. Still, last year’s refunds for tax year 2013 were averaging around …

Categories: Saving Money, Taxes

Financial Independence and Career Choices

At dinner a few days ago, I was discussing the concept of financial independence to a friend of mine who had really never heard of the concept. He and his wife are actively saving for retirement, but they fully expect to retire between the ages of 62 and 65, not earlier, so the idea of …

Can the Saver’s Credit Save You Money on Your Taxes?

For many people, two of the most frightening words in the English language are death and taxes. Even among those for whom the words are not terrifying, they evoke strong emotion. Another word that generates strong emotion is retirement. Unlike death and taxes, that word usually brings a smile to people’s faces. That is, until …

Categories: Retirement, Taxes

Seven Things to Know When Filing for Bankruptcy

Filing for bankruptcy is often seen as a scary but necessary option. But it’s important to know that even when you’re facing what seems like financial ruin, you have choices. Bankruptcy laws have changed over the past few years and offer benefits as well as drawbacks to filing. If you’ve talked with a lawyer about …

10 More Daily Habits of Frugal People

The other day, I came across a really good article at Eat Local Grown entitled “Ten Daily Habits of Frugal People.” Here’s that list: 1. Frugal people use everything right to the last drop. 2. Frugal people like to stay home. 3. Frugal people don’t spoil their children. 4. Frugal people have productive hobbies. 5. …

The Graceful Way to Quit a Job You Hate

Do you hate your job? Go on, you can tell us. If so, you’re not alone. In fact, I find that the vast majority of people don’t like their work and wish they could be doing something different. They dream of being able to work for themselves or work from wherever they want. Sometimes, they …

Categories: Careers

Three Apps for America’s Money Management Woes

Americans, as a whole, are not very good at managing their finances. And it seems the biggest challenge — for those of us not among the country’s wealthiest citizens, anyway — is paying our bills. There’s a number of problems surrounding our bill-paying habits, including not paying the bills on time, incurring late fees, letting some bills …

Categories: Banking, Technology

Frugality and Trust

It may be surprising, but I’ve found over and over again during the last several years that one of the most important elements of frugality in my life is trust. The simple act of building up trusting relationships with people in my life, then relying on those trusting relationships, has made a tremendous difference. Yes, …

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