Mindfulness and Money

In this post, I’m going to ask you to slow down, look inward, and do some reflection. Most often, I write about straightforward topics like debt repayment, credit scoring, and budgeting. Don’t get me wrong—it’s important stuff. But on a deeper level, something I struggle with as a personal finance blogger is that I don’t […]

Person-to-Person Personal Loans

Lending Club Loan Application

In the past year, we have seen banks cut back credit lines, raise interest rates, and limit new loans to only people with immaculate—and I mean immaculate–credit histories. That means it’s become difficult, if not impossible, for well-meaning borrowers to consolidate debt or transfer their debt to a lower interest rate through a traditional bank. […]

The 5 Biggest Debit Card Dangers

It’s a hot-button question: If you’re in debt, do you get rid of all of your credit cards and stick to debit cards and cash only? Or can you discipline yourself to still use credit cards for routine purchases and pay the balance off in full every month, even if you’re digging out of existing […]

How to Ask Your Boss to Work from Home

For today’s information workers, offices don’t make sense. Why commute in rush-hour traffic to sit in a cube and write, research, and make phone calls: all things you could do anywhere? For many workers, ending—or at least reducing—daily treks to the office may be as simple as asking their employer. Especially in challenging economic times […]

10 Easy Ways To Simplify Your Finances

Photo credit alancleaver_2000/Flickr.

I’ve been on a simplicity kick for a while. To give you an example: My wallet now consists of my ID and three other cards wrapped up in a rubber band. My key chain holds my house key and my car key—that’s it. I’m just tired of wasting time with extraneous “stuff”. The way I […]

Chase Blueprint Review: Chase Pledges More Control for Credit Card Users

Credit card issuer Chase rolled out a new feature today—called Blueprint—that will allow consumers to divide credit card charges they want to pay in-full or over time. Blueprint will enable Chase cardholders to pay everyday charges in-full each month interest-free, even while paying other purchases off over time. t Blueprint is comprised of four new […]

AT&T Wireless Rebate Visa Gift Cards Are A Raw Deal

AT&T Wireless Rebate Visa Gift Card

AT&T Wireless Visa debit gift cards that come as rebates for iPhone, Blackberry, or other mobile phone purchases are a raw deal! AT&T advertises prices for popular mobile phones that include $50 or $100 off in the form of a Visa gift card that the customer must apply for after the purchase. But…most customers will […]

Simple Budget Worksheet

The simple budget spreadsheet is an easy one page budget for Excel.

Budgets don’t have to be complicated to be effective. A simple budget can go a long way towards helping you get your finances in order. Download our simple budget and get started right away!

I Paid Off My Prosper Loan!

I paid off my Prosper loan! It’s definitely been a month of celebrations. Getting married, starting to work for myself and now, paying off debt! About two and a half years ago, I wrote about applying for and getting a personal loan from peer-to-peer lender Prosper. I used that $11,500 loan at 13.50% to pay […]

How to Check Your Own FICO Score

A reader working to qualify for a mortgage writes: “I have checked my credit with the three bureaus, and they seem to have all my info up to date and everything looks good. My problem is that on the free credit reports I received (via annualcreditreport.com), I can see everything except my FICO score. Before […]