Can You Distinguish Between Needs and Wants?

Innocent words have a tendency to take on a life of their own. This happens in many ways. One of the most common is when the more repeat something, the more we believe it – even if it’s not necessarily true. Take the example of needs versus wants. We’re typically so flippant about declaring things […]

Living on a Budget: The Difference Between Frugal and Cheap

If you’re living on a budget, you’re doing a great thing for your finances. Tracking your spending and cutting frivolous purchases or excessive expenses is the first step to building wealth. After all, you can’t manage your money properly to see your net worth grow if you have no idea what you’re actually doing with […]

Financial Checklist: 25 Things to Take Care of Before You Turn 25

It’s never too soon to start thinking about money, and more importantly, your own personal finances. But the financial world is huge, and it can be overwhelming to know where to start. To make it a little easier, we’ve compiled a checklist that every twenty-something should be able to use. There are some money matters […]

How We Live Well on Less

My husband and I live a frugal lifestyle, and we do so by choice. We don’t put much value into material possessions, and instead we focus on the more fulfilling things in life. I’m routinely amazed that more people don’t make the choice to live more simple, yet more satisfying lives by not worrying about […]

Burn Your Idols: You Don’t Need Financial Gurus

You can’t walk into a bookstore at the beginning of the year without seeing self-improvement, health and fitness, and “new year, new you!” books on displays plunked down right in front of the door. At our local Barnes & Noble, a table full of these kinds of books is literally about four feet from the […]

My Costly Wedding Mistakes (and How You Can Avoid Them)

Editor’s Note: This is the first article from our new contributing author Kali Hawlk. I’d like to welcome her to the site and look forward to all the great articles she’ll be bringing us this year. Kali will have a weekly column that will appear each and every Wednesday.  You can also find more of […]

Does Paying For Memberships Motivate You to Use Them?

Ever since I quit my job, I’ve had a ton of time on my hands!  After I’m done with my four hours of work, I usually spend the rest of the day exercising, working out, exploring or meeting up with friends.  When I first started this day job hiatus, I was working out at the […]

Does it Make Financial Sense to Move In With Your Boyfriend or Girlfriend?

Whether it’s after a few months or a few years, after a certain point in every relationship you’ll probably consider moving in together.  It’s a natural progression in most couples’ relationship and at this point, you’ll have to weigh the positives and negatives.  You will save on gas driving to each other’s houses, save on […]

How to Save Money on Cable TV and High Speed Internet

Update(5/28/2013):  My 6 month promotion just ended so I called in to see what their offer would be this time.  The CS rep only offered me free wireless boxes(2 x $7/month savings) so I told them I wanted to cancel.  They transferred me to retention department where a really nice CS lady gave me U200 […]

Valentine’s Day: Keep the Romance and Lose the Cost

Valentine’s Day is less than a week away and so is the barrage of dinners, flowers, chocolates and presents.  While I laude the idea of Valentine’s day; from a personal finance point of view, I don’t think it needs to be celebrated in the ‘traditional’ way.  There are numerous opportunities to save money without skimping […]