Some credit card rewards programs are great for hobbies, including books.

Plenty of credit cards have rewards programs that can help you indulge your hobbies and pastimes while saving some money in the bargain.

Continue Reading

The holidays may be a wondrous and exciting time of the year, but that doesn’t mean they’re free from pitfalls. Not only do Americans tend to eat more (and pack on weight) over the holidays, but we all spend a lot more, too. This holiday shopping season could be one for the record books. The National Retail Federation predicts 2017 holiday sales will increase 3.6% to 4% over last year, which was already its own record year. This means consumers could spend …

Continue Reading
Written by

Negotiating a raise at work is a powerful way to improve your financial situation with a single stroke. You suddenly have more income, which means that it immediately becomes easier to pay off debts, build up an emergency fund, save for future goals, and have some quality of life improvements to boot. At the same time, a raise negotiation is something that many people dread. The simple act of negotiating something creates a challenging conversation of the type many people …

Continue Reading

An estimated 115 million people planned to snatch up bargains (real or imagined) on the day after Thanksgiving, according to the National Retail Federation. But that wasn’t the extent of the holiday buying. The NRF’s annual survey indicated that: 32 million planned to shop on Thanksgiving Day. 71 million would shop on Saturday (76% of whom said they would do so to support Small Business Saturday). 35 million planned to shop on Sunday. And 78 million would shop on Cyber Monday. The Mad …

Continue Reading

My wife and I have no debts at all. We own our own house with no mortgage – we paid off the whole thing. We spend substantially less than we earn. Taken those facts into account, people always ask why Sarah and I consistently make frugal choices. Why aren’t we going on great trips all the time? Why on earth am I driving a 14-year-old SUV? Why do we buy store brand… everything at the store? Why do we only have …

Continue Reading

Are you considering applying for a home equity line of credit? Home equity lines of credit, commonly referred to as HELOCs, represent an attractive type of financing that home owners may decide to take advantage of for a variety of different reasons. HELOCs are commonly used to finance home improvements, to pay off expensive credit card debt, and to pay off student loans, among other purposes. What Is a HELOC? In many ways, HELOCs are similar to credit card accounts. Instead …

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. Space in super-tight budget 2. Exercise equipment 3. Holiday decorations for new apartment 4. Stock market versus home ownership 5. Portable office backpack 6. Balance transfer drawbacks 7. Reality show warning 8. Worried about automation 9. Homemade gifts and feeling cheap 10. Holiday cards worth it? 11. One …

Continue Reading
Written by

I got off work early on Oct. 31st, hopped on my bike, and started pedaling down 2nd Avenue in New York. I was feeling the wind on my face as I went over the Manhattan Bridge and into Brooklyn when I heard my phone ring. I ignored it and continued to enjoy the ride and the nice weather. Then it rang again, and soon after, a third time. I figured so many calls in quick succession meant something was up, so …

Continue Reading

Tuesday is “Giving Tuesday,” an event created in 2012 as a push-back to the hyper-consumerism of Black Friday, Cyber Monday, and the holiday season in general. It comes hard on the heels of our national day of Thanksgiving, when we’re all supposed to reflect upon the things for which we’re most grateful. Some people are feeling grateful that they’re managing despite serious money challenges. While they’d like to give to others, they might not feel financially able. Others are trying to live …

Continue Reading

My oldest son is reaching an interesting age where he’s asking me a ton of questions about adult life, mostly when it’s just the two of us. The other day, he came home from school with a ton of questions about my career. In our area, it’s fairly atypical for parents to work from home – in fact, one of his teachers apparently thought I was a full time “stay at home parent” because I worked from home with a …

Continue Reading

Our Featured Contributors