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Hints and Tips


  • More on motivation and money (29 comments)

    This post is by staff writer Honey Smith. In my last post, I talked about motivation and money. Motivation is a huge yet under-discussed concept in personal finance, I think. While big wins may be ...

  • Our brains on scarcity: Breaking out of the trap (Part II) (17 comments)

    This article is by staff writer Kristin Wong. (This is a two-part series. Part I is "Our brains on scarcity: The trap of not having enough.") For my last post, I wrote about the book "Scarcity: Why ...

  • Motivation and money (34 comments)

    This post is by staff writer Honey Smith. Especially for those of us like me who are in the midst of the long, hard slog of debt pay-down, staying motivated can be tough. How do you keep your excitem...

  • Homeowners: Could this save you thousands in just a few hours? (32 comments)

    This article is by staff writer April Dykman. You know all those great tactics to save huge chunks of cash -- the tactics that don't require you to scrimp and save? I'm talking about things like low...

  • How to negotiate when you hate negotiating (19 comments)

    This article is by staff writer Kristin Wong. In an ideal world, you wouldn't need to go negotiate. In an ideal world, the weather would be perfect, there would be no war, and your employer would si...

  • 8 Surprise expenses for new homeowners (83 comments)

    This article is by staff writer April Dykman. Over a year ago, I bought my first home. And while I'd been warned about the extra expenses that come with homeownership, there were still some surprises...

  • More on how to stop buying clothes you never wear (45 comments)

    This article is by staff writer April Dykman. More than four years ago, I wrote a post for Get Rich Slowly about how to stop buying clothes you never wear. I wasn't sure how it would go over, to be ...

  • How to spring clean your financial house (33 comments)

    This article is by staff writer April Dykman. It's almost spring, you guys. I don't know about the weather in your neck of the woods, but that's a welcome thought where I'm at, and I live in Texas! ...

  • Ask the Readers: 5 questions about your taxes (55 comments)

    It’s that dreaded time of year, but we all must face it. So let’s talk about taxes today. I've got some questions (and offer my answers). 1)      Do you get a refund or max out your withho...

  • Phishing, vishing, and SMShing (28 comments)

    This article is by staff writer Holly Johnson. A few days before Christmas, I was having lunch out when I opened an email that appeared to come from American Express: "Please click this link to ...

  • How to winterize your home (71 comments)

    This article is by staff writer Lisa Aberle. As I write this, the back side of my house is mostly exposed to the studs with loose fiberglass hanging out in the area where landscaping will be someda...

  • 8 hacks to help you keep your resolutions (35 comments)

    This article is by staff writer April Dykman. When I was in the first stage of personal finance, I had two obvious goals: Pay off my credit card Save $10,000 for an emergency fund ...

  • 7 year-end tax tips to keep Uncle Sam out of your wallet (26 comments)

    This article is a guest post from Maryalene LaPonsie. Maryalene has been writing professionally for more than a decade on a variety of subjects including life insurance and personal finance. She helps...

  • The power of speaking up (38 comments)

    This article is by staff writer Kristin Wong. Last month, my boyfriend and I took a weekend trip to Seattle to celebrate our anniversary. We got a great deal on a hotel using a discount app. We'd st...

  • 10 tools and tips to save money on legal fees (21 comments)

    This is a guest post from John Corcoran. John is an attorney and former Clinton White House writer, and he advises entrepreneurs and small-business owners on how to use networking to grow their busi...

  • Libraries: Good for frugality, great for community (49 comments)

    This article is by staff writer Kristin Wong. This year, I've spent quite a bit of time at my neighborhood library. I'm a little embarrassed to admit it, but before this year, it had been a while...

  • Heal your money shame in 3 simple steps (22 comments)

    This guest post is from Kate Northrup. Kate is the author of the new book, Money: A Love Story. She’s leading a live online event called A Course in Having Enough with guest teachers Marianne Willia...

  • Declutter and save your sense (33 comments)

    This article is by staff writer Lisa Aberle. Once, I couldn't find a matching pair of shoes, so I  put one foot in a ballet flat and the other in a tennis shoe and acted like I had sprained my ank...

  • Spare change: Identity theft edition (32 comments)

    Several years ago, my husband and I went on our annual family camping trip in Terlingua, Texas, right outside of Big Bend National Park. As usual, on our way out, we stopped in Alpine to gas up. My d...

  • How to avoid a garage sale letdown (30 comments)

    This post is from staff writer Holly Johnson. A few years ago, I prepared for a garage sale that I was sure would be an epic success. Based on the sheer volume of widgets, random household items an...

  • Reader Story: I bought a foreclosure house on the courthouse steps (44 comments)

    This guest post is from Naomi Mannino. Naomi is a freelance consumer personal finance and health journalist who reports on health, medical and personal finance news and how it will affect your life t...

  • How I kept to my budget and still have everything I want (49 comments)

    This guest post is from Darlene Bauer, who works from home in the beautiful Texas Hill Country.  She created BlogBoldly.com as a platform to help newcomers learn to build their own profitable online ...

  • Are you saving when you should be spending? (20 comments)

    This guest post is from Jacob McMillen. He likes to write about topics for men and teach people how using Save1 Eastbay coupons can help feed starving children around the world. More often than not...

  • How to throw a yard sale when you’re an apartment dweller (13 comments)

    This post is from staff writer Kristin Wong. For someone who hates accumulating stuff, I sure have a lot of it. There's the skirt suit that I haven't worn in four years, for example. Or the ALF lu...

  • The spam email strategy for savings (28 comments)

    This post is from staff writer Honey Smith. On Saturday, Jake woke up restless. Despite the fact that it was 112 degrees outside (argh) he really wanted to leave the house. While I would have been fi...

  • The 5 most popular coupon sites (and one with a mission) (38 comments)

    This post is from staff writer April Dykman. I tried for years to be a coupon clipper. Every now and then, I'd decide I was going to save as much money as possible on my groceries, or at least on st...

  • Save money by cutting food waste (44 comments)

    This post is from staff writer Lisa Aberle. I barely brushed the surface of combating food waste in a recent article, but the comments added so much to the article that I thought I could stop at j...

  • Time-management strategies for working parents (45 comments)

    This post is from staff writer Holly Johnson. I am sure you've heard the saying, "A mother's work is never done." This is especially true for parents who continue working after they've had kids. E...

  • 13 smart ways to be frugal at work without looking like a cheapskate (62 comments)

    This is a guest post from Ivan Chan. Ivan teaches busy professionals simple ways to manage money and worry less in life at Wealthy Without Worry. Being frugal is hard. You’ve been so disciplined ...

  • Reader Stories: How 5 daily habits rocked my financial world (28 comments)

    This is a guest post from Jillian Beirne Davi. Jillian is a Transformational Money Coach and the founder of Abundant Finances, a service that helps you get yourself out of debt and start amassing abun...

  • Ask the Readers: What will you trade this month? (27 comments)

    Our monthly challenges to the GRS community are meant to push you to flex those frugality muscles and think creatively about money. For those who are just starting their financial journeys, learning a...

  • Are automatic payments all they’re cracked up to be? (87 comments)

    This post is by staff writer April Dykman. A few weeks ago, I paid a sky-high electric bill. After some investigation, I saw the problem: the electric company charged a $200 deposit fee for starting...

  • Negotiating for perks when raises are off the table (21 comments)

    This guest post is from David Lye. David is an expert on novated leasing, which is a “company car” type perk that many Australian companies offer their employees. In today’s uncertain econo...

  • Extreme weather and recreational costs (45 comments)

    This post is by staff writer Honey Smith. Although I live in Arizona (where it's sunny and 65 right now), this has been a nasty winter for much of the country. The storm known as Nemo led to powe...

  • Creating objective rules for spending (36 comments)

    This guest post is from Mr. F, an Australian reader in his mid-20s who works for the government. We're often told to "spend money on what's important," "spend according to your values" or "spend o...

  • Reader Stories: The frugal Orioles fan (36 comments)

    This post was written by Kurt Smith, author of Ballpark E-Guides, PDF-format guides that help fans get the most bang for their buck at the ballgame. He’s been called “MLB’s Worst Enemy” by "Co...

  • A scholarship for small-business folks (12 comments)

    With student debt now topping credit card debt (see page 3 of the PDF), every penny that you can find to put toward education is wanted. We hear a lot about student loans, but not so much about schola...

  • Planning for a new financial paradigm (58 comments)

    I'd tried and occasionally gotten by on very much less, and I'd shuffled small freelance gigs and guiltily spent windfalls instead of saving. But I just couldn't figure out a long-term way to make my...

  • How to save money on vet bills (60 comments)

    A few years ago, a little orange cat showed up on my front porch, and I fed him. You can probably guess what happened next. Yep, he never left. But as with any "free" pet, Hans cost a lot of mon...

  • Finding money to invest (besides under the couch cushions) (70 comments)

    When we decided that we were going to start investing more in 2013, I didn't know where we would find the money in our budget. My personality embraces risk… as long as all our other savings goals ...

  • Professional shoe repair: Save money, time, and your feet (74 comments)

    While on my way back from getting some hot tea in the break room at work, I noticed that one of my shoes was making a strange noise. Upon getting back to my office, I saw why: the heel cap had falle...

  • Make more money as a subject matter expert (33 comments)

    I spend a lot of time working. I have my day job, first of all. I also have a demanding side hustle in addition to writing here. I've spent most of my working life like this. I like working and lea...

  • Reader Stories: Adventures in negotiating (34 comments)

    This post from Cortney Jansen. Cortney is 29, works as an engineer in the Bay Area and has been reading GRS for a couple of years now. She's in the third stage of personal finance: debt-free and tryin...

  • New student loan payoff tool (30 comments)

    Stafford, PLUS, Perkins, Direct, private - there are enough types of student loans out there to make your head spin. All of these loans have different criteria and interest rates. This is especially...

  • Ask the Readers: Is traditional advice killing your job search? (25 comments)

    "Vince" was halfway through his MBA program and struggling to find an internship. So, he took his career counselor's advice and blasted his resume and cover letter to 30 companies."I just tried to ...

  • New life for old DVD movies: The answers to scratches and breaks (17 comments)

    This is a guest post from freelance writer Jessica Ward. DVD games and movies For several years, we've fought the occasional skip, fingerprint or ding in our DVD movies, and have typically bee...

  • Churning credit cards for a fun profit (97 comments)

    This guest post from Holly Johnson. Holly is a 32-year-old wife, mother of two, and frugal lifestyle enthusiast. She blogs about saving money, frugal habits, and whatever is on her mind at ClubThrifty...

  • When you just can’t get the important stuff done (38 comments)

    This is a post from staff writer Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool’s Rule Your Retirement service. He contributes one new...

  • Tips for the Introverted Negotiator (80 comments)

    In my last article, I talked about saving money on the big things, like cars and houses. Multiple readers contributed good reasons why we don't save as much money as we should on cars and houses. B...

  • Seize the Summer (47 comments)

    This post is from staff writer Tim Sullivan. Sometimes, my summers feel like any other season. Other times though, I do the season right. A couple weekends back, I sat out on a dock with my family,...

  • Cutting Costs on Transportation (Even When Biking and Walking Aren’t Options) (83 comments)

    Until the end of this week, we're sharing "audition" pieces from folks interested in being new staff writers at Get Rich Slowly. Your job is to let us know what you think of each of these writers. Pay...

  • How Saving Money Cost Me Money (86 comments)

    For the next week (or two), we'll be sharing "audition" pieces from folks interested in being new staff writers at Get Rich Slowly. Your job is to let us know what you think of each of these writers. ...

  • How to Buy Quality Furniture (61 comments)

    For the next week (or two), we'll be sharing "audition" pieces from folks interested in being new staff writers at Get Rich Slowly. Your job is to let us know what you think of each of these writers. ...

  • How to Host a Yard Sale (53 comments)

    Summer is coming, and the weather is warming around much of the United States. You know what that means: Yard sale season is upon us! Hosting a yard sale — or garage sale or tag sale or whateve...

  • How to Learn a Foreign Language Without Spending a Cent (88 comments)

    Last week at Far Away Places (my new travel blog), I shared some tips on how to learn Spanish fast. The short version: Hire a tutor. But what if you can't afford a tutor? What if you don't want to spe...

  • How to Save on Your Cell Phone Plan with Secret No-Contract Deals (132 comments)

    This is a guest post from social-media maven Laura Roeder. Laura first told me this story in January, and I used it as the basis for one of my columns for Entrepreneur magazine. Over lunch recently, s...

  • A Primer on Finding Unclaimed Property (69 comments)

    This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and raising children at Childwild.com. Finding free money lying around with your name on it seems a l...

  • What To Do with All That Clutter: Sell It, Swap It, Give It Away (75 comments)

    This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and raising children at Childwild.com. This Saturday (May 14th) is Give Your Stuff Away Day, a worldw...

  • Five Ways to Outwit the ATM (141 comments)

    This post is from GRS staff writer Donna Freedman. Donna writes a personal finance column for MSN Money. She also writes about frugality, intentional living, and life in general at her own blog, Survi...

  • Developing Systems That Work (75 comments)

    In my fantasy life, I'm an organized guy. In the real world, that's just not the case. I do my best to stay on top of things — I make lists, use a calendar, ask Kris for help — but there a...

  • Nine Lessons in Wealth-Building from The Millionaire Next Door (96 comments)

    This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool’s Rule Your Retirement service. He contributes one new articl...

  • How to Avoid Common Money Mistakes (34 comments)

    This is a guest post from Laura Adams, also known as Money Girl. Adams is the author of a new book, Money Girl’s Smart Moves to Grow Rich. She also hosts the weekly Money Girl podcast over on Quick ...

  • Christmas Gifts That Make a Difference (63 comments)

    This is the first post from new GRS staff writer Donna Freedman. Donna writes the Living With Less personal finance column for MSN Money, and writes about frugality, intentional living and lifeitsowns...

  • Productivity Hack: Using the Web to Minimize Internet Distractions (55 comments)

    This post is from staff writer April Dykman. There have been days when I've wasted an embarrassing amount of time mindlessly surfing the Internet. While I try to make that the exception rather than...

  • Make More Money: How to Supercharge Your Income (81 comments)

    Nearly every morning, I get up early to go exercise at the local Crossfit gym. While I wait for it to open at 6:30, I do laps around the cold, dark parking garage with my friend Dan. Sometimes we talk...

  • Insurance Basics: How to Save on Insurance (34 comments)

    This is the second part in a short series about insurance basics. Last week, I explained how insurance works. Next week (or possibly the week after), I'll offer some tips on car insurance. Today's art...

  • How to Replace Six Vital Documents (29 comments)

    This post is from GRS staff writer April Dykman. Could you produce your birth certificate, car title, or an old tax return at a moment's notice? You're supposed to store vital documents in a fir...

  • Use an Informational Interview to Overcome Mental Barriers (38 comments)

    This post is from GRS staff writer April Dykman. Less than a year ago, I was stuck. I knew I wanted to start a side business that had potential to grow, but I had no idea what to do or how to do it...

  • How to Safeguard Your Social Security Number (57 comments)

    This post is from GRS staff writer April Dykman. In articles about how to prevent identity theft, I've often read that one should never give out his or her social security number (SSN) unless absol...

  • Money Hack: When You Save Money, Actually Put It in Savings (33 comments)

    As part of the publicity push for Your Money: The Missing Manual, I've been a guest on a couple dozen radio shows around the country. This morning, for example, I spent an hour chatting with Joy Cardi...

  • Living The Examined Life: Personal Data Collection is a Powerful Tool for Change (27 comments)

    This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Childwild.com. Machines are, in some respects, much smarter than ...

  • Busting the Myths: Why Coupons Are a Valuable Part of Your Financial Arsenal (112 comments)

    J.D. is on vacation in Alaska. This is a guest post from Tara Kuczykowski, who is introducing the basics of couponing to a new generation of coupon clippers through her money-saving blog, Deal-Seeking...

  • Grow Your Savings by Paying in Full (63 comments)

    This post is from GRS staff writer April Dykman. In the past six months, I've spent more money on personal development than I have in my entire life. I've also spent considerable amounts on laptops...

  • The One-Year Wardrobe Project (98 comments)

    About a year ago, at the advice of GRS readers, I started an experiment. I took all of the shirts and sweaters from my clothes closet and moved them into our spare room. Whenever I needed something to...

  • Don’t Wait for a Discount — Ask for One (67 comments)

    This post is short and sweet and to the point. Folks, I cannot stress how important it is to check all of your accounts for possible savings at least once a year. This includes your bank accounts, ...

  • If You’re Going to Buy a Warranty, Shop Around (70 comments)

    This post is from GRS staff writer April Dykman. I'm writing this post on my brand new MacBook, which I just purchased yesterday. I can honestly say I've never been less excited to buy a computer...

  • The Best Time to Buy Almost Everything (76 comments)

    This post is from GRS staff writer April Dykman. My mom has a sixth sense when it comes to bargain hunting. Where I'm thrilled to get 25 percent off and free shipping, she's finding deals of 70 p...

  • How I Cut my Comcast Cable Bill by 33% (Without Losing Any Service) (247 comments)

    Last week, I wrote that you can negotiate anything. This guest post by G.E. Miller gives a real-life example of using negotiation to save money. For more from G.E., check out his personal finance blog...

  • Creative Cleaning with Everyday Products (69 comments)

    This article is by GRS staff writer Adam Baker. Baker recently shared an in-depth video example of how you can save $521 when booking airfare online. Recently my 19-month old daughter managed to ge...

  • The Art of Improvising: Alternatives to Buying New (53 comments)

    This post is from GRS staff writer April Dykman. When you have a need or a problem, there's usually a solution that can be bought. Buying a solution is often the easiest and fastest way to solve a ...

  • 9 Ways You Can Knock the Socks off Your Next Landlord (41 comments)

    This article is by GRS staff writer Adam Baker. Currently, Baker is fat and in debt. We all know how to rent a typical, cookie-cutter apartment or house. Find a contact number. Set-up a walk thro...

  • How to Stop Buying Clothes You Never Wear (110 comments)

    This post is from GRS staff writer April Dykman. A couple of years ago, I had a Great Closet Clean-Out. My clothing racks and drawers were overflowing at the time, and some of it still had price ta...

  • Furniture Shopping Secrets: How to Tell Superior from Shoddy (53 comments)

    This is a guest post from Karawynn Long, who writes about personal finance at Pocketmint. Karawynn is a semi-regular contributor for Get Rich Slowly. She has been blogging since before "blogging" was ...

  • 11 Ways to Spice Up Your Emergency Fund (77 comments)

    This article is by Adam Baker, a GRS Staff Writer. In addition to writing for Get Rich Slowly, Baker blogs over at Man Vs. Debt, where he discusses ways to simplify your financial life. A thriving ...

  • Gone Phishing: How To Avoid Being Caught By Scammers (44 comments)

    This article is by Adam Baker, a new GRS Staff Writer. In addition to writing for Get Rich Slowly, Baker blogs over at Man Vs. Debt, where you can find his personal background story and read more of h...

  • How a Haircut Led to a Handy Acronym (104 comments)

    This is a guest post from Lynn, a long-time reader of personal-finance blogs. Lynn is a potential Staff Writer for Get Rich Slowly. In her first post, she explained where to find free activities and e...

  • Where to Find Free Activities and Events in Your Area (65 comments)

    This is a guest post from Lynn, a long-time reader of personal-finance blogs. Lynn is a potential Staff Writer for Get Rich Slowly. She is the CFO (Chief Financial Officer) of her family, and is worki...

  • Saving Money on Everyday Stuff (19 comments)

    I haven't made the time to piece together a "links roundup" lately, which is too bad. I've collected a lot of articles worth mentioning, even if they don't merit full posts of their own. I try to ...

  • Buying Food: Grocery Shopping Tips from 1950 (51 comments)

    The American housewife! Who has a more important or more responsible occupation? Wife, mother, laundress, counselor, maid, chef, purchasing agent. All of these are her duties at one time or anothe...

  • How to Buy a Mattress (140 comments)

    After my post about mattress shopping the other day, Garrison contacted me. "My home just flooded and due to renters insurance I was thrown into the market for a new mattress," he said. "I called up ...

  • Learning to Budget with the JARS System (74 comments)

    This is a guest post from Steve Martile, a life coach and the author of the personal-growth blog Freedom Education. Here he describes a budgeting system that actually reminds me of Elizabeth Warren's ...

  • My Sister’s Keeper: Sharing Financial Goals with an Accountability Partner (28 comments)

    "Don't you have any tips for single folks?" I'm often asked. Like any writer, I tend to write from my own experience — that of a married man. Fortunately, there are plenty of single people in th...

  • The Wisdom of My Father (50 comments)

    This is a guest post from Ann Zerkle, a Get Rich Slowly lurker, and the founder of Heroes of Capitalism. As the daughter of a truck driver and stay-at-home mom, my family lived very frugally (and...

  • Credit Union Service Centers Provide Shared Branching (30 comments)

    Note: Oops. I accidentally had comments closed on this post. Not even sure how that happened. They're on now. Chris M. sent me e-mail last week to share some thoughts on rewards checking and on cre...

  • How to Nail an Interview: 20 Job Interview Tips (37 comments)

    After writing about how to negotiate your salary recently, a couple of readers pointed me to another job-related tool on the web. Steinar Skipsness has created a microsite called How to Nail an Interv...

  • No Crystal Ball Required: Getting Better Investment Returns (Without Guessing) (24 comments)

    This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the advisor for The Motley Fool’s Rule Your Retirement service. He contributes one new articl...

  • Prepaid Cell Phones Can Save You Money (148 comments)

    Last week, I spoke with personal-finance writer Greg Karp about how young adults can save money. We brainstormed ideas for one of his upcoming newspaper columns. "I'm willing to bet that many young pe...

  • Ask the Readers: How to Save Money on Books? (127 comments)

    Most of the questions I receive from readers are about their specific financial situations. But occasionally somebody writes with something a little different. Yesterday, for example, Joshua wrote to ...

  • 14 Tips for Purchasing Life Insurance (66 comments)

    This is a guest post from Ray at Financial Highway. Earlier today, Ray shared the basics of life insurance. Insurance is an important part of financial planning — but understanding insurance ...

  • 21st Century Real Estate: Use a Blog to Sell Your Home (24 comments)

    David Hobby at Strobist recently posted an interesting article describing how to use a blog to sell your house. Hobby and his wife have outgrown their townhouse in Columbia, Maryland, and are look...

  • How to Read a Mutual Fund Prospectus (28 comments)

    This is a guest post from Neal Frankle, a Certified Financial Planner, and the author of Wealth Pilgrim, a blog about his financial journey. If we’ve learned anything from the current financial c...

  • 8 Questions to Ask BEFORE Hiring a Financial Planner (120 comments)

    This is a guest post by Jeff Rose, an Certified Financial Planner from Illinois. Rose is also the author of Good Financial Cents, a financial planning and investment blog. Before reading his article, ...

  • The Per-Diem System: An Easy Way to Budget Your Spending Money (54 comments)

    This is a guest post from Spencer, a GRS reader in New York. As a guy who just finished paying off $14,000 in credit card debt, I wanted to share one tip that helped me get over the bad debt hump. ...

  • Reader Comment: A Lifetime of Doing the Right Thing (60 comments)

    It's been a while since I highlighted an individual reader comment, but I wanted to draw attention to some advice that Kenny left for Sara in Friday's "ask the readers". You'll recall that 24-year-old...

  • 25 Useful Financial Rules of Thumb (100 comments)

    Lately I've found myself using more and more financial rules of thumb. A rule of thumb is a general guideline, an easy way to approximate a value quickly. It's not meant to be completely accurate. On ...

  • Top 10 Tips for Preparing Your Tax Return (and Tax Software Giveaway!) (164 comments)

    Tax season is in full swing. Readers are peppering me with questions, and marketers are forwarding promotional material for their products. This seems like a good time to meld the two opposing forces ...

  • Ask the Readers: How Do You Organize Your Account Information? (86 comments)

    Between my personal accounts, my business accounts, and the joint accounts I have with my wife, it's difficult for me to keep track of my essential information. As we've been working to refinance our ...

  • Money Hack: The Monthly Checkbook Sweep (70 comments)

    At dinner the other night, T.S. told me about a new trick she's developed to force herself to save money. It used to be that she'd just spend whatever she had in her checkbook. She didn't spend more t...

  • Save on Cell Phones with Employee and Student Discounts (48 comments)

    Consumer Reports is one of my favorite personal-finance magazines, and for a variety of reasons. Not only does it help readers find quality products at great prices, but it also gives tips for saving ...

  • 5 Credit Card Company Tricks — and How to Thwart Them (56 comments)

    This is a guest post from Justin McHenry, president of Index Credit Cards, a credit card comparison and information site. Index Credit Cards was named “most comprehensive” by Reader’s Digest in ...

  • Happy 303rd Birthday, Benjamin Franklin! (26 comments)

    Today is the first day of National Thrift Week. It's also the 303rd anniversary of the birth of America's first — and best — personal-finance writer. Benjamin Franklin was born on this day...

  • Book Review: 365 Ways to Live Cheap! (28 comments)

    Today I am reviewing new books written by two colleagues: Trent from The Simple Dollar and Leo from Zen Habits. As you read these reviews, please remember that I am friends with both authors. Mary ...

  • How to Afford Anything (But Not Everything) (61 comments)

    You can have anything you want — but you can't have everything you want. That's the lesson I learned from a recent conversation with my cousin. And that's the lesson photographer Ken Rockwell im...

  • The 3-Day Cooling-Off Period: Myth and Reality (48 comments)

    In 2001, I bought some magazine subscriptions from a couple of college students who were selling them door-to-door. I'd had my own miserable experiences trying to sell things to strangers, so I had a ...

  • Making the Most of Your Checking Account (104 comments)

    In the past, we've discussed the best online high-yield savings account, covered the basics of certificates of deposit, and even explored the beauty of Roth IRAs. But we've never talked about checking...

  • A Do-It-Yourself Christmas: 34 Great Homemade Gifts You Can Make (203 comments)

    Last month, I asked readers to share their favorite frugal Christmas ideas. You responded with over a hundred fantastic tips. One common theme for saving money and adding meaning during the holiday se...

  • Put Your Savings on Steroids with Certificates of Deposit (73 comments)

    High-yield savings accounts are great. They allow you to set aside money in a safe place to earn a respectable return. (That return is low right now, but will increase as the economy improves and inte...

  • Back Up Your Computer to Save Time and Money (112 comments)

    Here's a public service message: Back up your computer regularly. This has more to do with your pocketbook than you might think. Not only was I sick this week, but the hard drive on my laptop crash...

  • How Low Can You Go? Cutting Back to Minimum (192 comments)

    I was sick again yesterday morning. To console myself, I made a cup of cocoa. As I was preparing to add the required three tablespoons of chocolate powder, it occurred to me that maybe I could get by ...

  • Ask the Readers: Favorite Frugal Christmas Ideas? (124 comments)

    I made a trip to Costco yesterday to buy index cards. (Believe it or not, index cards are the building blocks of this blog.) The store didn't have any, but it did have four long aisles stocked with Ch...

  • 10 Unconventional Money-Saving Tips (65 comments)

    For me, the hardest part about learning to save was changing my relationship with money. I understood intellectually that I needed to spend less than I earned, and I could see the debt accumulating as...

  • Once-a-Month Shopping: Save More by Shopping Less (147 comments)

    How often do you go to the supermarket? Could you get by making only one trip per month? What if it saved you money? My wife and I are both reading America's Cheapest Family by Steve and Annette Ec...

  • Dealing with Disaster: A Brief Guide to Emergency Preparedness (34 comments)

    This is a guest post from JLP of All Financial Matters. JLP, who is a financial planner, was instrumental in helping me get started with Get Rich Slowly, and his blog remains one of my favorites. A...

  • How to Save Money on Your Wedding: ASK! (62 comments)

    I had breakfast at a local diner the other day. Over my blueberry pancakes, I eavesdropped on the next table over. (It wasn't difficult — these folks were loud.) Eight people from the wedding...

  • 10 Aggressive Tactics to Turn the Tables on Credit Card Companies (56 comments)

    This is a guest post from Katrina Ramser, a freelance writer who contributes to various websites, newspapers and magazines. She also writes about swimming at SquidKid. Did you know an average of si...

  • How and When to Cancel a Credit Card (79 comments)

    Update: After feedback from readers, I've made some clarifications to this post. My recommendations have not changed, but I've tried to emphasize the effect closing a credit card can have on your cred...

  • Simplify Your Life with a Stuff Replacement Fund (42 comments)

    One thing that prevents me from getting rid of more clutter in my life is the worry that someday, for some reason, I'll want it again. Maybe I don't use the rice cooker now, but what if I need it in t...

  • Warren Buffett’s Ten Secrets to Wealth and Life (45 comments)

    Warren Buffett is the richest man in the world, yet his reputation for frugality, folksy wisdom, and straight talk make him seem like just a regular guy, like he might be the billionaire next door. He...

  • Best Credit Cards (for You) – How to Choose a Credit Card (63 comments)

    A credit card can be a useful tool or it can be a dangerous weapon. Most of this depends on you — the best credit card in the world won't help if you spend beyond your means. American adults carry ...

  • Credit Card Basics: Five Essential Skills for Mastering Plastic (43 comments)

    The latest issue of Consumer Reports (October 2008) has an article about the new credit card jungle. The faltering economy and the ongoing mortgage crisis may be affecting your credit cards; issuers a...

  • A Few Ways to Raise Cash Quickly (40 comments)

    Disclaimer: After some strong feedback from GRS readers (and from my wife), I've made the rare move of heavily editing this article after publication. My hope is that the re-write makes it clear that ...

  • The Inner Workings of a Car Dealership (and How To Use Them to Your Advantage) (86 comments)

    Yesterday a reader named Dave Black left a long comment on an old article about how to buy a new car without getting screwed. This is his glimpse into the inner workings of a car dealership. I've edit...

  • Fix Your Own Printer and Save Money (19 comments)

    Farhad Manjoo at Slate says your computer printer may be lying to you. He bought a cheap laser printer a couple years ago. When the machine decided it was out of toner, it stopped working. But the las...

  • The Myth of Multitasking: How Doing It All Gets Nothing Done (62 comments)

    Multitasking has killed my productivity. At this moment, on this computer, I have: Five open browser windows with a total of 59 open tabs (in Safari) 79 open text documents (in BBEdit) — I...

  • 8 Tips for Saving Money on Hobbies and Pastimes (67 comments)

    Lee wrote with an innocent question about photography equipment yesterday. Little did she realize I'd already been thinking about the broader issues of her dilemma. Here's an abridged version of her m...

  • The Best Advice I Ever Got: 40 Great Money Tips (28 comments)

    CNNMoney has posted a gallery of money tips from 40 "great minds", ranging from Derek Jeter to Tim Ferriss to Burton Malkiel. Each participant provided an anecdote about the best piece of financial ad...

  • Estimate Your Electricity Costs with a Web-Based Calculator (20 comments)

    It's been a couple years since I mentioned Michael Bluejay's fantastic Saving Electricity site. It's a treasure trove of practical tips for household power management. Bluejay offers information on: ...

  • How to Open Multiple Accounts at ING (now Capital One 360) (101 comments)

    One of my favorite saving techniques is the use of targeted accounts. If I want to save for something big — like a Mini Cooper, for example — I'll open a new savings account specifically f...

  • Money Tips from Consumer Reports (19 comments)

    The August 2008 issue of Consumer Reports — one of my favorite personal finance magazines — features two articles that may be of interest to readers of Get Rich Slowly. The first offers ti...

  • The 13 Commandments of Savvy Consumers (33 comments)

    Last week I wrote about the 2008 Consumer Action Handbook. This freely-available guide from the U.S. government is packed with useful information. I was leafing through the book again this morning bef...

  • My Paperless Personal Finance System: A Work in Progress (128 comments)

    Last summer, as a part of my quest to get rid of clutter, I began to move toward paperless personal finance. I had planned to share my system only once I'd perfected it, but yesterday Daniel e-mailed ...

  • Making the Move from Spender to Saver (55 comments)

    I pulled out my camera gear last night. It's been two years since I used it regularly. Before I started Get Rich Slowly, I seriously considered trying to become a professional photographer. But for a ...

  • How to Stop Junk Mail in Its Tracks (59 comments)

    This article is part of Financial Literacy Month. Most Americans receive a daily flood of junk mail. Some savvy citizens take a stand against the torrent. My friend Pam gets great delight from call...

  • Ask the Readers: Energy Conservation Tips? (76 comments)

    Dan wrote with a question unlike any I've received before. He lives in Alaska, where the residents of Juneau have been confronted with a sudden energy crisis (more here). Here's Dan's story: I am...

  • How One Reader Uses Haggling to Save Big Bucks (66 comments)

    Last week, Jason shared a guest post on how to negotiate to save money. Daylily Diva wrote to share her own experiences, which I've reproduced here with permission. I love haggling — it's sec...

  • Use “Reverse Credit” to Stick to Your Budget (75 comments)

    Ralph sent me e-mail last week describing a clever budget trick he picked up from a friend: My wife and I had dinner last night with a couple of of young women we know. We talked a little about p...

  • How to Make Yourself Recession-Proof (12 comments)

    The March 2008 issue of Money has an article by Stephen Gandel about how to recession-proof your life. "We may or may not be entering an official recession," he writes, "but either way 2008 has gotten...

  • Real Simple: Save More, Worry Less (14 comments)

    The March issue of Real Simple magazine contains a great article by Elizabeth Fenner about solving your biggest money worries. She writes: For many of us, "manage finances" is right down there with...

  • How to Handle a Door-to-Door Salesman (182 comments)

    On Saturday morning, a young man knocked at our door. He wanted to sell us new windows. Kris tried to brush him aside gently, but he was persistent. He didn't leave until he'd scheduled an appointment...

  • How to Quit Your Job Gracefully (54 comments)

    Deb Perelman at eWeek recently shared some advice on how to quit your job with your bridges intact. Too often smart employees let their guard down during their final days, and they do things that may ...

  • Proven Methods for Servers to Increase Their Tips (122 comments)

    In 2004 Dr. Michael Lynn, associate professor at the Cornell University School of Hotel Administration, produced a paper entitled "Mega Tips: Scientifically Tested Techniques to Increase Your Tips" [P...

  • Five Secrets of Self-Made Millionaires (42 comments)

    Several people forwarded a recent Reader's Digest article about the secrets of self-made millionaires. It's a quick and inspiring read. "Many modern millionaires live in middle-class neighborhoods...

  • Ten Money-Saving Vacation and Travel Tips (55 comments)

    It's mid-winter here in Oregon — that bleak, grey time of year when it seems like the rain will never end. When I was young, the winter didn't bother me. But now that I'm firmly entrenched in mi...

  • The Benefits of Looking Ahead: Success Tips from 1950 (10 comments)

    Happy New Year! As we say "good-bye" to the old year and "hello" to the new, it's a great chance to look ahead to our plans for the future. I believe that the road to success is paved with goals. ...

  • Asking for a Better Financial Future (27 comments)

    This is a guest post from Daiko, who previously shared how to feed yourself on $15 a week. Asking questions can be a powerful tool for developing financial resilience. Two weeks ago, for example, I...

  • How to Buy and Sell Gift Cards (14 comments)

    Did you get a lot of gift cards for Christmas? Would you rather have cash? Would you rather have a card for another store? Richard O. Johnson at the fascinating Beyond Barter has created a page highli...

  • Reader Tip: The Warranty Scam Buster Account (65 comments)

    The one-year warranty on my MacBook Pro expired last week, presenting me with a choice: sign up for an extended warranty or live without it? I've never been an extended warranty kind of guy. They're c...

  • How 15 Minutes Saved Me 15% on My Television Bill (58 comments)

    This is a guest post from Stephen Ward, who writes at Project Paradox. Although many frugality experts decry the need for television, my wife and I enjoy it too much to give it up.  That didn't st...

  • Turning the Tables on Telemarketers (102 comments)

    It's been an annoying day here at the box factory. November 15th must be some sort of telemarketing celebration day. I've been handling three or four calls an hour from these bozos all day long. It dr...

  • Why You SHOULDN’T Prepay Your Monthly Bills (61 comments)

    Earlier today I wrote that I like to prepay my monthly bills. I acknowledged that some people might think this was dumb, but that I liked to do it anyhow. It's not often that I share something with wh...

  • Build Wealth with a “Virtual Employer” (40 comments)

    Here's the longest "money hack" I've ever posted. This is another reader comment from our recent discussion about the transition from "becoming debt-free" to "living debt-free". In this guest-post fro...

  • How to Eat at a Swanky Restaurant Without Blowing Your Monthly Food Budget (81 comments)

    Kris and I joined some friends last weekend for a 40th birthday celebration at Bluehour, a swanky Portland restaurant. While the other couples spent $150 to $250 for their meals, we escaped paying on...

  • Two Quick Kitchen Hacks (19 comments)

    It's always fun to find new ways to save time and money in the kitchen. Here are two simple ideas to help reduce clutter on the counters. Let the library store your cookbooks During my recent figh...

  • Money-Saving Ideas for Working Parents (18 comments)

    Over at The Dollar Stretcher, Pamela wrote looking for money-saving ideas that won't burden an overfull schedule: I need some tips from women who work outside the home and drive to a workplace ever...

  • 10 Ways to Build the Habit of Saving Money (52 comments)

    This is a guest post by Mehdi, author of StrongLifts.com. How much do you save? I hope you put money aside. You don't? Neither did I until a few years ago. How do you become a money saver? I'll...

  • An Expert Tip for Saving on Prescription Drugs (29 comments)

    This is a guest post from Shiva, who wrote to offer some advice on how to shop for prescription medicine: don't assume that the new new stuff is better! I am a general internist — a physician...

  • Daily Roundup: Tips and Tricks from GRS Readers (9 comments)

    While organizing my text files this afternoon, I stumbled upon a batch of tips and tricks that got lost in the shuffle. Here are some clever ideas submitted by your fellow Get Rich Slowly readers: ...

  • In Pursuit of Paperless Personal Finance (66 comments)

    I'm swamped with paper. This is partly because I'm a packrat, but mostly it's due to the never-ending bills, statements, receipts, policies, and special offers that flood my desk. The paperless office...

  • How to Find Great Deals on eBay (29 comments)

    My friend Lisa is something of an eBay addict. I'll be at her house admiring something or other and she'll smile confidentially and whisper, "I got it off eBay." She recently showed up at a dinner...

  • An Imperfect Credit Score is Not the End of the World (13 comments)

    This is a guest post from Kim McGrigg of Money Management International, the nation's largest nonprofit credit and debt counseling firm. I often warn consumers about the little things that can have...

  • How to Eliminate Debt in Bursts Instead of Incrementally (42 comments)

    This guest post is by Leo Babauta of Zen Habits, one of my favorite blogs. Most of the time, the standard advice about debt elimination is to pay it off incrementally, over a period of time. We're ...

  • Thrifty Tips from the Yardsale Queen (20 comments)

    This is a guest-post from Chris Heiska, The Yardsale Queen. Some people believe the myth that there's only junk at yardsales and thrift stores. That is absolutely not true. Buying at yardsales do...

  • Career Advice for the College Graduate (28 comments)

    This is a guest post from Lisa Lessley Briscoe. My friend (and fellow Bearcat) Lisa writes: "I was just poking around on GRS (I don't usually read) and noticed that you'd posted an entry for colle...

  • A Yard Sale Checklist: Ten Tips for Garage Sale Prep (58 comments)

    Our annual neighborhood garage sale was held this past weekend. During last year's sale I offered ten garage sale tips: A group sale is better then selling alone. More stuff draws more traffic. ...

  • Reader Story: Necessity is the Mother of Frugality (34 comments)

    Daniel wrote with the following story: I work across town, which means I have to fill up my tank at least once a week. With the rising cost of gas, this comes to about $50 a week. What can I do...

  • Optimize Your Bank Accounts with a Periodic Review (2 comments)

    You know that it's a good idea to ask utility providers for better deals once or twice a year. But did you know that you can apply the same principle to be sure you're getting the best deal at your ba...

  • Festival of Frugality #75 (20 comments)

    Welcome to the 75th edition of the Festival of Frugality. Here you'll find a mass of money-saving tips from 44 different bloggers. I've organized the entries into broad subject areas, and noted my fav...

  • Quicken Hacks: 25 Hints, Tips, and Tricks (32 comments)

    I use Quicken to track my personal finances. Back in the olden days, I used Andrew Tobias' Managing Your Money, but that hasn't worked on my Macs for nearly a decade. I'd still use it if I could. Q...

  • Common Money Mistakes and How to Correct Them (3 comments)

    Everyone makes mistakes — it's a part of being human. But it's those who learn to minimize their mistakes who are able to fight debt and to build wealth. Paul L. forwarded a Reuters article by L...

  • How to Fight the Urge to Splurge (42 comments)

    Today I stopped by the local electronics store to look at microphones and headphones. I didn't intend to buy anything, but after a half hour browsing I found myself in line holding $170 of gadgets. I ...

  • Last Minute Tax Tips (15 comments)

    Because I love a big tax refund, I filed my return long ago, received the money, and used it to pay down debt. But like many people, my cousin Nick hasn't even started. He doesn't get a refund, so he ...

  • 7 Essential Skills to Protect Yourself from Scammers (19 comments)

    Sabino sent me an MSNBC article about the unfolding subprime lending crisis. The piece provides a glimpse at the deceptive practices used to prey on people like Kerrie Russo, who chose to refinance he...

  • Frugal Easter Egg Decorating Tips (19 comments)

    Tina sent in a timely article from The Dollar Stretcher, one of the oldest and best money-saving sites on the web. (It's been around since 1996, and looks like its design hasn't changed since!) Jenny ...

  • Save Money with Your Feet! (22 comments)

    Tiara wrote with the following money hack: This is aimed at people who generally drive or take public transport to work/university/etc, but who could easily cycle or walk the same distance. Each ...

  • 10 Reasons You Aren’t Rich (31 comments)

    A couple of readers forwarded Jeffrey Strain's list of 10 reasons you aren't rich. It's a fine piece, though it takes a negative approach. Sometimes we need to hear the negative. Strain's ten reasons ...

  • Ten Red-Flags That Lead to IRS Audits (32 comments)

    The latest issue of Money magazine has an article by Donna Rosato on how to file a tax return that won't raise red flags with the IRS. Rosato writes: Some 12 percent of people admit they think it's...

  • How to Organize Your Finances in Four Easy Steps (22 comments)

    You've heard that to take control of you finances you sould track every penny you spend. You'd like to try this, but it sounds like such a pain. There's so much paperwork involved. You lose receipts. ...

  • Save Money with a Magazine Exchange (18 comments)

    One magazine subscription isn't expensive, but when you take more than a few, the costs can add up quickly. I've been addicted to magazines in the past, and I know how easy it is to oversubscribe. Whe...

  • 24 Craigslist Tips, Tricks, and Resources (41 comments)

    Yesterday The Consumerist pointed to a couple of Curbly posts about how to buy stuff on Craigslist [one, two]. These articles have some good tips, but I think there's more to say. My Craigslist ex...

  • Personal Finance Sites from Around the World (41 comments)

    A couple months ago a reader solicited recommendations for good non-U.S. personal finance sites. We couldn't come up with many. Since then I've watched for personal finance sites from around the world...

  • The Cost-Per-Day Expense Chart (25 comments)

    Elizabeth has a lifehack that allows her to manage both money and space. She writes: "This helped me curb my lifestyle choices when I was in high school and first on my own." Here is her guest entry. ...

  • 10 Ways to Save Money on Books (76 comments)

    I used to spend thousands of dollars a year on books, most of which I never read. Recently I've begun to trim my book spending. I spent nearly $3000 on books in 2003, but that number dropped to $700 l...

  • Custom Movie Listings with RSS (15 comments)

    Kris and I went to see The Queen yesterday at a local second-run movie house. It's an older theater, and it reminds me of the places we used to go when I was a kid. It's clean, cozy, and the snack...

  • How I Bought My House With Very Little Of My Own Money (13 comments)

    Susan at +amateur christian+ has some advice for first-time homebuyers — spend some time to search for grants, and you might be able to get into a home without spending a fortune. Two years a...

  • The Regift: Friend or Foe? (7 comments)

    Christmas is over. You received some thoughtful presents, but also got some duds. That collection of cooking spices from your Aunt Madge? You hate to cook! Here's some sage advice from Marie, a self-c...

  • Want to Save Money? Just Ask! (8 comments)

    Wrapping up "ask for it" day, 2 Pennies Earned suggests that if you want to save money, you should just ask! In the last two years, I've been given two weeks' free rent, received several hundred do...

  • Reader Story: Ask to Save! (2 comments)

    Jac recently wrote to share a success story — he managed to get a bank to drop some fees simply by asking! I'm currently on a six month exchange in France. I opened a new account with Westpac...

  • Learn to Save by Taxing Yourself (11 comments)

    Vincent forwarded a link to a guide about how to buy nothing, which offers seventeen steps for resisting the urge to splurge. It's a good list of techniques to reduce spending — leave the money ...

  • How One College Student Handles Credit Cards (25 comments)

    I've been blown away by your responses to the new Ask the Readers feature, especially to yesterday's question about what do do if you have no credit history. Here's a story Derek e-mailed me about his...

  • Cheap Ways to Stay Warm this Winter (52 comments)

    Winter weather has arrived in Oregon — it's rainy and cold. This time of year, Kris and I search for ways to keep warm. A lot of guides to saving money on heating contain impractical advice: "co...

  • Five Fantastic Frugal Tips for Christmas (13 comments)

    In my recent Christmas article, I asked you to submit your favorite ideas for saving money during the holidays. Your suggestions were great. Among the best were these (which I've edited slightly): ...

  • Reminder: Enter the Get-Rich-Slowly Holiday Tips Contest (6 comments)

    What are your favorite ways to save money during the holidays? Check out the amazing frugal Christmas savings spectacular for your chance to win one of two subscriptions to Kiplinger's Personal Financ...

  • Warning: Identity Theft Doesn’t Stop During the Holidays (5 comments)

    Randy at Parable of the Talents warns that identity theft doesn't stop during the holidays. In fact, it's likely that crooks are more active than ever! I recently received an email that I thought w...

  • The Amazing Frugal Christmas Savings Spectacular! (52 comments)

    Look for the first-ever Get Rich Slowly contest at the end of this entry! HO HO HO! I had intended to post a series of articles on how to save money at Christmas, but they've taken longer to wri...

  • Ramit’s Guide to Kicking Ass (4 comments)

    Ramit of I Will Teach You to Be Rich has just published his first ebook: Ramit's 2007 Guide to Kicking Ass. This little gem features six original essays from Ramit and four from guest authors. (I cont...

  • Track Your Spending with a Cash Notebook (25 comments)

    I had dinner with my friend TJ tonight. He paid for his meal with cash. After we'd settled the check, he pulled out a small spiral notebook and jotted down some numbers. "What's that?" I asked. ...

  • Keep Track of Food with a Leftovers List (17 comments)

    I never remember what we have in the fridge. We'll make a pot roast for Sunday dinner, and store several servings of leftovers. But once they're in Tupperware and tucked out of sight, they're as good ...

  • How to Get the Most Out of a College Job (11 comments)

    A college job can be a chore. Or it can be the doorway to future success. The choice is yours. I asked Michael Hampton, director of career development for Western Oregon University, for advice on ...

  • 8 Ways to Make Bill-Paying Easier (17 comments)

    My friend Mike is well-off. He lives alone, makes a good salary, invests wisely, and doesn't spend money on foolish endeavors. Yet he often gets charged late fees. Why? Because he's disorganized. He b...

  • Save Money by Asking for a Lower Rate (9 comments)

    GRS-reader Fritz writes with a money-saving tip: I just wanted to share a way I saved some money on my digitalphone bill. I live in Wisconsin and have TimeWarner cable TV/Internet/digital phone ser...

  • What to Do With All Those Pennies (14 comments)

    Over at AskMetafilter, a user wants to know what to do with all his pennies. I have a lot of pennies. They accumulated over the past twelve years. I need a permanent solution to this problem other ...

  • Track Every Penny You Spend (46 comments)

    I struggled with debt for years. I couldn't get a handle on where my money went. I made a decent wage, but I was always broke! Where did I spend it all? Then I read Your Money or Your Life and heeded ...

  • How to Find an Accountant (10 comments)

    I am not a financial expert. I'm just an average guy who wants to improve his personal finances while helping others to improve theirs. I feel comfortable giving general advice, but sometimes people w...

  • Survey: Money and Marriage (22 comments)

    Here's an excellent question from a Get Rich Slowly reader. While I try my best to "get rich slowly" I have one huge issue: a husband. My husband likes to spend money. I'm referred to as the "Thr...

  • The Personal Finance HOW-TO Library (1 comment)

    JLP at All Financial Matters has masterminded another outstanding community project. By recruiting contributions from other money bloggers, he's crafted a library of personal finance HOW-TOs. Thes...

  • Control Impulse Spending with the 30-Day Rule (48 comments)

    I made a trip to Costco to buy business supplies last week. While browsing the software, I spotted the latest version of Quicken. I picked up the box and looked at the list of new features. I felt tha...

  • The Only Credit Card Guide You’ll Ever Need (23 comments)

    I don't like credit cards. They're a dangerous trap, especially for the young. Many smart people disagree with me, though, and have learned to use credit cards to their advantage. This guide provides ...

  • A College Education for $10 a Course (17 comments)

    Here's a tip for getting a variety of college-level courses for cheap. Dirt cheap. This may be the best tip I have ever shared. I encourage you to read the entire entry. The Teaching Company The T...

  • 10 Expert Tips for Saving on Car Insurance (18 comments)

    My friend Lynn works for a major U.S. insurance company. I recently asked her for tips to help people save money on auto insurance. I expected maybe a few quick ideas, but she went above-and-beyond wi...

  • Tricks for Tracking Your Money? (13 comments)

    We all know that we should track our spending, but not everyone actually does. How does one develop this discipline? One AskMetafilter user pleads: Do you have any tricks to ensure that you track...

  • Tips for Financial Independence (4 comments)

    Yesterday I described how Financial Independence is the goal of many frugal folks. We live cheaply, work hard, and save until we reach a point where we can pursue our dreams without concern for money....

  • How I Finally Defeated Dandruff (91 comments)

    Here's a tip I cannot believe I'm sharing in public. For years I've battled dandruff. I mean I've had it bad. Recently it's reached nightmarish proportions — my scalp was like North Dakota in...

  • A Cheaper Cup of Coffee (20 comments)

    David Bach likes to refer to the latte factor — that daily indulgence you can't resist. For many people, it's a cup of premium coffee from Starbucks (or a local coffee stand). These people love ...

  • Frugality in Practice: At the Movies (12 comments)

    It's the peak of the summer movie season. What's a frugal person to do? Ticket prices are outrageous, and food prices are worse. $3.50 for a package of Twizzlers? Give me a break! In the comments t...

  • Financial Advice from a Founding Father (1 comment)

    In celebration of Independence Day, I've gathered some personal finance advice from Benjamin Franklin, one of our Founding Fathers. Franklin was witty, wise, and eminently practical. He was a master o...

  • Free Online Coupon Codes (11 comments)

    Currentcodes.com is a clearing-house for coupon codes offered by online retailers. Hundreds of well-known online stores like Barnes and Noble, Staples, and Amazon.com have a place within their sh...

  • Tip: Pay Your Bills as They Arrive (16 comments)

    Here's a tip that can pay big dividends: Pay your bills as they arrive. This helps financially and psychologically. I get paid twice a month. Because I used to live paycheck-to-paycheck, I paid my ...

  • Garage Sale Bargains (3 comments)

    After browsing dozens of garage sales over the weekend, it's apparent there are some items that you shouldn't buy new. You can find all of the following at garage sales for cheap: Exercise equipm...

  • Tip: Citrus Ice Cubes (4 comments)

    It's summer in Oregon — warm weather is approaching. A cool, refreshing cocktail is an excellent way to unwind after a hot day's work. Many cocktails call for a little lime juice or lemon juice....

  • Parent Hacks (1 comment)

    Are you frugal? Do you have young children? Could you use some tips on how to make parenting less work and more fun? Parent Hacks is a "collaborative weblog of practical parenting wisdom". In other wo...

  • General Investment Tips (2 comments)

    Matt's General Investing Tips reflect common investment wisdom as I understand it. There is nothing new or shocking here. This is mainstream investment advice. If you're looking for an introduction to...

  • Saving Electricity: How to Reduce Your Energy Costs (17 comments)

    How much electricity does your computer use? Your refrigerator? Your washer and dryer? Do you know how to save money on water heating costs? Michael Bluejay's guide to saving electricity answers these...

  • How to Extend the Life of Your Car (4 comments)

    The true cost of car ownership is greater than most people suspect. But you can get more life out your vehicle, can reduce your cost per mile, by following a few simple suggestions. eHow offers twelve...

  • Cheap and Effective Ways to Make Life Easier (7 comments)

    "What are some cheap and effective ways to make life easier?" asks a Metafilter user. I only buy one kind of socks. This means I don't have to match them up when doing laundry, never stress abou...

  • My Frugal Life (1 comment)

    Dawn at Frugal for Life has posted a collection of links to stories of frugality. ThriftyFun recently ran (and is still running) a series called My Frugal Life. It is a nice assortment of different...

  • How To Acquire a Good Entry-Level Job (3 comments)

    Not everyone is ready to aim for a $100,000 job. On AskMetafilter, a user writes: I need to find some sort of long-term employment that will put me on my way to establishing financial independence ...

  • How to Get a Job Paying More Than $100,000 (5 comments)

    I've written a lot about how you can save money, about how frugality and thrift can help you to get rich slowly. But another way to save more than you earn is to increase your income. Paul's Tips offe...

  • The Hillbilly Housewife (5 comments)

    In response to recent posts on eating cheaply (Healthy Food on an Unhealthy Budget and Learning to Eat More Meals at Home), several readers have pointed to a site called Hillbilly Housewife. The f...

  • Life After Graduation (7 comments)

    David Bach, author of The Automatic Millionaire, has some tips for a great life after graduation. Choose your life — "You don't get what you wish for in life, you get what you go for." Make...

  • Save Money With Magazines (5 comments)

    How much do you spend each month on newspapers and magazines? How many of these do you actually read? Would you miss any if you cancelled the subscriptions? There's something comforting about curli...

  • Essential Gear for a Bike Commute (5 comments)

    Many people who live frugal lifestyles swear by alternative transportation. They ride mass transit. They commute by bicycle. They walk. Many don't even own a car. Summer is approaching. Maybe you h...

  • How to Slash Summer Energy Costs (1 comment)

    SmartMoney has some ideas on how to save money on energy this summer. Typically, the average household spends $1,400 a year on electricity and gas, according to the Environmental Protection Agency. B...

  • More Lessons from ‘Why We Buy’ (3 comments)

    As promised, here are some final thoughts on Paco Underhill's Why We Buy: The Science of Shopping. In my previous entry about using this book to learn to spend less, I discussed how the more time a...

  • How to Spend Less – Lessons From ‘Why We Buy’ (13 comments)

    Do you want to spend less at the store? In Why We Buy: The Science of Shopping, author Paco Underhill gives some indirect insights into how consumers can win the retail battle. Here are some easy chan...

  • 12 Financial Tips for Women (2 comments)

    Dana Bratch has created a list of twelve financial tips for women. While neither gender has an exclusive lock on money management skills, the financial deck is stacked against women. They earn abou...

  • My eBay Method: 13 Steps to Profitable Auctions (72 comments)

    A few weeks ago I linked to Stephen Smith's guide to selling stuff on eBay. Today I'll share some tips of my own. In February I sold $1500 of geek goods to raise money so that I could make accelera...

  • What I Wish I Knew Then About Home Buying (5 comments)

    Laura Rowley at Yahoo! Finance has written an excellent piece on buying a house. I felt inspired to write a letter to the home buyer I was four years ago, when I purchased my first single-family h...

  • Ten Garage Sale Tips (17 comments)

    We're in the midst of the annual neighborhood garage sale, which makes it difficult to find time to post. I have drawn up some garage sale tips, though. This isn't everything you need to know, but it'...

  • Six Steps to Learning Difficult Subjects Quickly (5 comments)

    Throughout our lives we encounter situations where we need to acquire new skills. Sometimes it's nice to have a method for acquiring the basics quickly. Paul's Tips has a technique for learning diffic...

  • A Brief Guide to Better Sleep (7 comments)

    Consumerism Commentary has posted a two-part guide to improved sleep, explaining that good sleep is one of the best free investments you can make in yourself. I spent much of last year on a quest for ...

  • Ten Ways to Drive Down Your Car Insurance (4 comments)

    I certainly don't intend to turn this into a "how to save money on transportation" blog, but there's a lot of interest and information out there right now due to increased gasoline costs. Suze Orman h...

  • What Really Saves Gas? And How Much? (1 comment)

    Gas prices seem to reached a plateau at around $3.00/gallon for regular unleaded in the Portland area, but they're expected to rise again before summer. With the high gas prices, people begin to look ...

  • The Stuff We Do and Don’t Buy For Ourselves (1 comment)

    Earlier this week I posted an entry about how to buy nothing. At his wonderful 43 Folders, Merlin Mann has shared his technique for fending off mindless purchases. I have a [...] “buy me stuff...

  • The Best Time to Buy (0 comment)

    When is the best time to buy a house? A car? Airline tickets? Did you even realize there were best times to buy certain items? According to CNNMoney, you can save a lot if you know the best times buy ...

  • Tips on Saving Gas (2 comments)

    Today's Sound Money Tip is a list of common-sense ways to improve your gas mileage: Keep your vehicle in good repair. Check and replace your air filter at regular intervals. Keep your tires pro...

  • Organizing Tax Documents (1 comment)

    When preparing taxes, one challenge is collecting all of the necessary documents. Tax-related papers flow into a home at all times of the year, not just in the spring. It's easy to lose important pape...

  • What is a Reasonable Offer for a New Car? (3 comments)

    New automobiles are generally poor investments for a number of reasons. That's a topic for another post. Some people don't want the hassle of buying a used car, or prefer the features of a new model. ...

  • How to Find Garage Sale Gold (6 comments)

    Here are two lists of tips for buying at garage sales. First, PR Leap offers Five Myths of Garage Sales (and how they are keeping you from finding garage sale gold). The five myths are: Stuff at ...

  • Leave Your ATM Card at Home (2 comments)

    Liz Pulliam Weston suggests that you may want to consider using cash instead of a debit card. Weston admits that debit cards offer plenty of advantages, including: They're convenient. They're ea...

  • Confessions of a Car Salesman (2 comments)

    What really goes on in the back rooms of car dealerships across America? What does the car salesman do when he leaves you sitting in a sales office and goes to talk with his boss? What are the tricks ...

  • Cheap Moving Boxes (2 comments)

    Today's Sound Money Tip is about saving when moving. When it comes to moving, most people buy their boxes from the movers because of the convenience factor. If you think ahead a bit, you can get y...