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This article is by staff writer Lisa Aberle.

“Spring has sprung,” as they say in my little corner of the Midwest. Our magnolia tree is in partial bloom, the daffodils and hyacinths are in full bloom, and most trees are starting to bud. I love this time of year! If you have been missing J.D. Roth’s garden posts, I plan to share periodic posts with a gardening theme. Speaking of gardening, some of our…


This article is by staff writer William Cowie.

(Since April is Financial Literacy Month, a number of articles will be devoted to more educational topics. This is Part III in a four-part series about how understanding economic cycles could inform your financial decisions. Part I is Understanding economic cycles: An introduction. Part II is Recognizing economic seasons: recovery and growth. Part IV is How to profit from economic cycles.) You will recall from Part…


This article is by staff writer Holly Johnson.

Earlier this month, my little family of four embarked on a much-needed spring getaway to the Caribbean. I’m sure that doesn’t sound frugal at all, but rest assured that it was. After a year of planning and a whole lot of strategizing, we were able to book that particular trip for what amounted to a boatload of hotel loyalty points, a bunch of airline miles, and…


This article is by staff writer Lisa Aberle.

While the rest of our group galloped up the mountain in Haiti, I was stuck at a flat area partway up with two other people in our party who just couldn’t make it another step: a man who was pushing 80 and another guy who was overweight. I was so frustrated with my lack of stamina and embarrassed at my inability to push my early-30s self…


This article is by staff writer William Cowie.

(Since April is Financial Literacy Month, a number of articles will be devoted to more educational topics. This is Part II in a four-part series about how understanding economic cycles could inform your financial decisions. Part I is Understanding economic cycles: An introduction. Part III is The fall and winter seasons of the economic cycle. Part IV is How to profit from economic cycles.) In Part…


This article is by staff writer William Cowie.

(Since April is Financial Literacy Month, a number of articles will be devoted to more educational topics. This is Part I in a four-part series about how understanding economic cycles could inform your financial decisions. Part II is Recognizing economic seasons: recovery and growth. Part III is The fall and winter seasons of the economic cycle. Part IV is How to profit from economic cycles.) Getting…


This article is by staff writer Honey Smith.

For the last few months, I’ve been talking about various aspects of job-hunting. But what do you do if you can’t find a job? OK, you can start with cutting your budget to the bone and applying for public assistance programs if you are eligible. But what next? Well, as with many things, the short answer is: It depends. On what, you may ask? Here’s what…


This article is by editor Linda Vergon.

As we finished up our tax return this year, it turned out that we owed. Great. We don’t have to scrape the money together. We had planned for the extra liability when an unexpected consulting gig came together for my husband at the end of 2014. But nonetheless, it stings when you have to write a check to the Internal Revenue Service. (And besides, you just want…


This article is by staff writer Ryan Takach.

There is much to consider before you decide to join a company. Of course it is important to understand the company culture, the workload, management style, performance expectations, pay and benefits. But you will also want to be sure that a prospective employer is viable. To help you gauge how strong your continued employment and even potential for career growth is within the company, you may…


This article is by staff writer William Cowie.

That Walmart, and more recently, McDonald’s are giving their workers much-overdue raises is now old news. What few realize is those raises might cost you a lot more than you expect — even your job. Think that’s a little overstated? Hear me out. The good news Many have documented the fact that this recovery has, for the most part, bypassed America’s rank and file. Employment statistics…


This article is by staff writer Holly Johnson.

When you are living paycheck to paycheck, down on your luck, or living a student lifestyle, it can be difficult to imagine a world where you are suddenly building wealth. Take this comment from Kendra on one of our Ask the Readers posts, “What do you do when you’re broke?” “I feel like like Caleb a bit — in that most of these blogs don’t cover…


This article is by staff writer Lisa Aberle.

We spend a lot of time talking about green here on Get Rich Slowly. But let’s direct our attention for a couple minutes to another color: blue. I first read about the Blue Zones in a magazine a few years ago. These blue zones were identified after researching some of the longest living people on the planet. Although nine characteristics were associated with these blue zones,…


This article is by editor Linda Vergon.

We spent a fair amount of time exploring investments in the month of March. We looked at how to ladder certificates of deposit (CDs), scrutinized the decision to include gold in your portfolio, and even considered the growth of hedge funds. Over the months and years, we have discussed rental properties, peer-to-peer lending and everyone’s favorite, the index fund. There are a lot of reasons to invest…


This is a guest post from former GRS staff writer Donna Freedman.

A blogger who goes by “empressjuju” thinks she and her husband spend too much on restaurants. “Every month we find ourselves rushed, or tired, or invited out with friends and there goes the budget,” she wrote in a post on her website, (the) Vegas in Austin. Her husband wondered whether it is unreasonable to spend less. Given that they want to be…


This article is by staff writer Suba Iyer.

As I venture into my early 30s, I think I’ve become pretty careful about our finances. I certainly know not to continue on with the mistakes I made in my 20s like buying more car than I can afford or not paying myself first. But something happened last week that made me go, “Uh-oh.” Now that spring is here, I went shopping to look for new clothes…


This article is by staff writer William Cowie.

Do you dread getting older? There is no need to. Getting old is not all creaky joints and hearing aids. Above and beyond the joys of travel and sleeping in, there are many benefits awaiting those who cross the bridge of the great 6-0. I mentioned in an earlier post that our life expectancy is increasing with every passing year. Not only are we living longer, but…


This article is by staff writer Honey Smith.

Speaking about building wealth, J.D. Roth felt that he could never make this point emphatically enough: “Frugality is important, but if you want to make real progress, increase your income.” It’s in this context that being able to ace an interview becomes a very important skill. And certainly part of the interview process should include your asking questions of a prospective employer to make sure that the…


This article is by staff writer Holly Johnson.

How are you saving on spring break? A few weeks ago, I attended a daytime get-together comprised mostly of mothers of school-aged children. With spring break approaching, the topic inevitably came up, to which everyone in the room simultaneously let out a grunt of frustration. Unlike some parts of the country, our school system works on a modified year-round schedule. So instead of one week of…


This article is by staff writer William Cowie.

If you have ever heard talk of Quantitative Easing (QE) and “tapering,” you may have been left wondering what it is exactly. The terms are bandied about so frequently these days that it is rather difficult to parse out the facts from the political hype that surrounds every move the Federal Reserve Board, or Fed, makes. Another, more pointed question to ask might be, “Does Quantitative…


This article is by staff writer Suba Iyer.

Etsy, TaskRabbit, Uber, AirBnB, and numerous other technologies make earning a little extra income (or even a full-time income) easier than ever. Almost anyone can be a micropreneur these days, even if they started out just pursuing a hobby. The sharing economy or peer-to-peer economy is growing at a record pace by leveraging disruptive technologies. But a lot of people don’t seem to understand how the…


This article is by staff writer Lisa Aberle.

I like saving money — but it has to be easy. And spending hours clipping and organizing coupons, or planning epic shopping trips based on my coupon stash is not easy. Most of the time — if I clip coupons at all — they end up floating around the bottom of my purse, expired. Instead, I usually choose to save in other ways. Yet, there are coupons….


This article is by staff writer Holly Johnson.

According to the U.S. Department of Health and Human Services, around 108 million Americans go without dental insurance during any given year. And since paying the full weight of dental care is often out of the question for those living on low incomes, many people simply choose to go without or get by with as few cleanings and check-ups as they possibly can. However, if you do…


This article is by editor Linda Vergon.

Honey Smith’s article about achieving your long-term financial goals got me thinking. It’s one thing to tackle big, long-term goals if you are healthy and employed. But hopefully you have to imagine how difficult it is to stay on track to reach them if you aren’t. What if the bottom has dropped out in your world? What if you lost your job – and even lost your…


This article is by staff writer Honey Smith.

In my last post, I talked about how personal finance is about playing the long game and “making choices that are harder in the short term for the good of the long term.” But when the payoff is so many years down the road, it can be difficult to stay on track. In order to actually reach long-term goals, you have to keep making the right choices…


This article is by staff writer William Cowie.

[Editor's note: This is Part II of a two-part series on whether it makes sense to include gold in your portfolio. Part I is "Should gold be part of my portfolio?"] This is the second installment of a two-part series about gold as an investment for your portfolio. The two posts may appear like a candidate’s debate or popularity contest, but they really aren’t. Our purpose…


This article is by staff writer Robert Brokamp.

[Editor's note: This is Part I of a two-part series on whether it makes sense to include gold in your portfolio. Part II is "Why gold should be part of your investment portfolio."] Humans have valued gold for several millennia, and that will likely continue. It is understandable, then, that a human such as yourself might consider trading some green for gold. I say, “Don’t bother,”…


This article is by staff writer Honey Smith.

When you think about it, personal finance is about playing the long game. Sure, it’s about other things as well. It’s about paying off debt. It’s about spending less than you earn. But when you think about it overall, it’s about making choices that are harder in the short term for the good of the long term. Here’s what I mean…. Saving for retirement Saving for retirement,…


This article is by staff writer William Cowie.

Have you heard the saying, “You are what you eat”? It rolls off the tongue so easily, doesn’t it? These are words to the wise if you are interested in a healthy lifestyle, however, they may not offer much help for your finances. But there is a similar thought — one of the truths I have seen so often in business as well as in personal…


This article is by staff writer William Cowie.

My neighbors shake their heads and think I am certifiably crazy, but I have noticed that they are careful how they say it. You see, when we get snow, I am always out there shoveling the sidewalks for three or four houses each way down the street from ours. “Why risk offending the Energizer Bunny with the shovel?” I hear them thinking. “He might stop, and…


This article is by staff writer Suba Iyer.

When I was in my 20s, I was single, without kids, renting, had graduated from college, working at my first job and no interest whatsoever in taxes. My feeling was, Why should I waste time thinking about taxes? As a single, renter with no kids, I would get absolutely no deductions or credits — and in addition to that, I had nothing to itemize. That meant…


This article is by staff writer Holly Johnson.

When my mom was in her early 20s, she took a few months to travel abroad with a few of her college friends. I wouldn’t call it an around-the-world trip since they only visited a few regions, but I would call it amazing. So amazing, in fact, that my mom shared numerous stories of her travels with me as I was growing up. I remember those…


This article is by staff writer Lisa Aberle.

When I packed my hospital bag before having a baby last summer, I tucked my laptop in along with everything else. I thought I might squeeze in some work between contractions, or when the baby was sleeping. Or something. (I’ll pause while you all laugh.) The laptop actually did make it out of the bag once while I, already bleary from lack of sleep, held my baby…


This article is by staff writer Financial Sam.

Back during the dotcom collapse of 2000, I was losing money in the stock market like a champ. I was a second-year financial analyst who had a serious case of confusing brains with a bull market. When I turned to my VP and told him I was still bullish about the stock market, he almost slapped me upside the head. “We’re in a bear market, son….


This article is by staff writer Holly Johnson.

According to a 2013 Nilson report, credit and debit card fraud were the cause of over $11.2 billion in losses in 2012. And if you think that sounds bad, just wait; it’s expected to get much worse. As USA Today reported last year, hackers and scammers have turned stealing credit card numbers into an art form. By focusing on major retailers such as P.F. Chang’s, Target, and…


This article is by staff writer William Cowie.

Who isn’t on the lookout for safe investments? We looked at the hidden advantages of savings accounts recently and found that, despite the current low-interest rate environment, old-school savings accounts are still quite popular, judging from the comments anyway. After all, they are among the safest investments out there; and they are flexible, too. Still, it’s natural to ask if there is any investment just as…


This article is by editor Linda Vergon.

(This article was based on Suba Iyer’s article that originally appeared on FiveCentNickel.com.) Your 20s are filled with milestones and life-changing experiences. It’s a time when the things you learn start to become habits and when financial decisions can either lead you to great success or become a problem for you in the future. It would be great to have perfect foresight so that you knew the…


This article is by staff writer Holly Johnson.

Last week’s bitter-cold temperatures presented an awful time for my furnace to start acting funny. It would shut off for no reason only to restart when I fiddled with the thermostat. Then it would shut off again without me realizing it, only for the temperature to plunge to 50 degrees while I plugged away at my laptop. Then, all of a sudden, I would be absolutely…


This article is by staff writer Honey Smith.

As I mentioned in my homeownership and priorities post, one housing project that we wanted to tackle sooner rather than later was replacing our HVAC unit. Within months of moving into our new house, we had to shell out a thousand bucks to repair our 20-plus-year-old HVAC unit when it broke on a 108-degree day. While we haven’t had a problem since (knock on wood), the fellow…


After a brief stint in the automotive industry in Detroit, Ryan Takach moved to Chicago to work for a major financial institution. The antics of traders on the trading floor stoked his curiosity for the markets, and an ex-pat assignment in London provided additional exposure to the global financial system. These experiences encouraged his investing and provided the financial foundation to manage the money challenges of a 30-something. He currently lives in San Francisco enjoying…


(Petrish Dyer is an active military Navy Chief, currently stationed in Japan. Please understand that her duties and time zone may prevent her from responding to comments in a timely manner even though she would like to. Petrish is also the founder of debtfreemartini.com where she blogs and inspires others to live a debt-free life.) As an active-duty military member, I know that preparing and filing your tax return can be a nightmare. Regardless of…


This article is by staff writer Lisa Aberle.

As someone who doesn’t like to shop for groceries (or lug them all from my car to the house), the thought of finding a service that helps me avoid the check-out line altogether is very appealing. A service that would put my groceries away would be even more amazing, but I won’t get carried away. Even without that added bonus, though, the advantages start to stack…


This article is by editor Linda Vergon.

Back in 2008, Holly P left a comment on J.D. Roth’s article about teaching kids to invest saying: “I’d love to know how your sibling got your nephew to think about actually saving. Despite repeated efforts to get them to save, my kids want to spend every cent as soon as it hits their palms.” It’s a common problem for parents. They see the need to teach…


This article is by staff writer Robert Brokamp.

Modern technology is amazing. For example, thanks to the wonders of Find My iPhone — an application which allows you to use another device to locate a phone on a map — I was able to watch my stolen iPhone travel northward until the signal stopped deep in the heart of Washington, D.C. I haven’t heard from it since, so I don’t think the person who…


This article is by staff writer Holly Johnson.

For most people, pursuing credit card rewards is a game of cat and mouse. You keep a watchful eye on your credit score, seek out the best offers, and strike when the iron is hot. But that is just one component of the hobby; the other part of the equation is that it can be extremely exciting to watch your point balances climb. Obviously, the more…


This article is by staff writer William Cowie.

The era of spending unending retirement days on a golf course in plaid pants and interminable games of bridge with the blue-rinse set seem to be on the wane. Younger people are looking for more adventure, with more activity … and lower costs. Few strategies deliver like (of all things) the recreational vehicle (RV) retirement lifestyle. A few years ago, my wife and I got a…


This article is by staff writer Honey Smith.

Short answer? Yes. But that wasn’t very interesting, now was it? So let’s weigh the options for working while in school to get a better understanding of why you should consider it. Working as a way to pay for school There are lots of stories about people working their way through school. Unfortunately, it is becoming less common in some quarters, but perhaps the biggest reason…


This article is by staff writer Honey Smith.

Love is in the air at this time of year, and the Internet is full of tips and tricks for how to celebrate Valentine’s Day on every end of the spending spectrum. All price points are represented, from customized jewelry to those with something a little more affordable in mind for Valentine’s Day. In past years, we’ve asked people to share their Valentine’s Day plans, but this…


This article is by staff writer William Cowie.

Savings accounts? Are you crazy? Boo, hiss. These days, savings accounts are only used as joke fodder for late-night comedians. Take the mom who wants to teach her kids the value of prudent financial management, for example: For little Bobby’s eighth birthday, his mother takes him down to the local credit union to open a savings account. Figuring that all the grownups in his life would pour…


This article is by staff writer Lisa Aberle.

The odometer on my car is nearing 223,000 miles. While I am hoping the dented-on-all-four-sides sedan is going to make it to at least 250,000 miles and beyond, realistically, we need to plan for a replacement. But before we go car shopping, we need to decide what we are looking for. There are a lot of things to consider here like the manufacturer, style, color, etc.,…


This article is by contributor Holly Johnson.

When my husband proposed to me on July 10th, 2005, I was ecstatic. In fact, I’m pretty sure I screeched “Yeeeeeeeeessssssssssssssssssssssssss” before he could even pull the ring out of his pocket. Our plan was to move into the little apartment above his work — it was part of his compensation package — then get married the following summer. Unfortunately (fortunately?), a few of the older ladies…


This article is by staff writer Holly Johnson.

In the last 12 months, my husband and I both turned 35 years old. Although I hadn’t put my finger on it until now, I think there is something about that age that made us want to reassess our current financial strategy. But the truth is, gratefully, that I think we are on the right track. We are debt-free aside from a small mortgage, we save…


This article is by staff writer Honey Smith.

Spoiler alert: Stress ahead! More than three in four women think about money more than sex, and more than one in four Americans in relationships feel money-related stress affects their desire for sex according to a survey conducted online within the United States by Harris Poll on behalf of Yodlee from December 6 to December 10, 2013. The 2,039 U.S. respondents were adults ages 18 and…


This article is by staff writer Holly Johnson.

Over the past 12 months, I have used credit card rewards to finance the bulk of our trips to Jamaica, Las Vegas, Denver, New Orleans, London, Paris, and St. Maarten. And in the process, I’ve also cashed in a five-figure sum of hotel loyalty points, airline miles and cash-back rewards. Of course, I blame part of this on my love of family travel, but it also has…


This article is by staff writer William Cowie.

You’ve seen them before: 10 mistakes that could ruin your retirement, 6 things to avoid, and so on. But … I don’t know if you’ve noticed that many of those lists are copies of each other. Make no mistake: Common sense is common sense, and there’s only so many ways to catalog it. The common sense behind any successful savings or investment plan? Rhythm, or doing…


This article is by staff writer Honey Smith.

I’ve talked about graduate school before, but mostly in terms of how my decision got me deep into student loan debt. I’ve talked less about that decision in terms of its impact on my career. For a long time, I thought my career path was clear. I started working at a writing center as an undergraduate and stayed there for four years. I adored what I did;…


This article is by staff writer William Cowie.

Tax season is fast approaching and, if you are among the diligent, chances are you have already started your annual tax preparation. Close to 40 percent of all Americans use software to do their tax preparation on their own computers, according to the National Retail Foundation; and TurboTax (sold by Intuit, and maker of the ever-popular Quicken and QuickBooks products) is the most popular of the…


This article is by staff writer Honey Smith.

In my homeownership and priorities progress report in September, I mentioned that Jake and I were considering getting solar panels installed on our new house. Although that was our last priority, our first priority was replacing our HVAC unit. We thought there might be HVAC units that were made to be compatible with solar panels. As a result, we decided that it might make sense to investigate…


This article is by staff writer William Cowie.

A few weeks ago, we asked the question “What is your investment strategy?” and described the survey Get Rich Slowly did of attitudes toward investing and a few related subjects. In that post, we noted, with a degree of surprise, that over 40 percent of respondents did not invest at all — and that the youngest respondents were the largest group of non-investors. What follows might…


This article is by Suba Iyer, who currently writes for FiveCentNickel.com. Ever wonder why you had to pay a deposit to get your utilities turned on when your friend didn’t? Have you noticed that the health insurance premiums for two self-employed people can be different? Well, there are consumer reporting companies in many industries that “… collect information and provide reports on consumers that are used to decide whether to provide consumers credit, insurance, or…


This article is by staff writer Lisa Aberle.

Sometimes you find clues of your kids’ financial education progress in the strangest places. “Dear Santa” – began my seven-year-old daughter’s letter, published in our local newspaper - “May I have more money? I will save it to buy a house or car.” (I know. I still can’t believe she wrote it, either.) “I want for my brother a horse that is real…” and “For my baby brother; he…


This article is by editor Linda Vergon.

I have watched a number of people go through the interview process over the years. For some, it’s nerve-racking. Often, the process is mysterious: How do you know what the interviewer is looking for in a candidate? Do they want someone to fit seamlessly into their culture or do they value skill, experience, or reputation above all else? A few of my friends welcome the experience. Even…


This article is by staff writer Honey Smith.

So, you’ve done it. You’ve considered all the costs of a new job, networked your heart out, and considered all aspects of your job offer. Now you are facing one of two outcomes: Pull the trigger! Take the new job. Not good enough! For whatever reason, you’ve decided to decline the offer. Either way, someone is going to be on the receiving end of some bad news….


This article is by staff writer Kristin Wong.

It seems like an odd goal for a kid; but when I was little, I wanted to be financially secure. Of course, I didn’t put it that way. Instead, I declared, “When I grow up, I want to be rich.” Incidentally, so did my parents. I remember rolling quarters with them, while they explained to me the importance of saving. At a young age, I realized I’d…


This article is by staff writer Honey Smith.

The new year is a time to look forward; but in order to do that, you need to know where you’ve been. Before I set my goals for 2015, I wanted to make sure I didn’t miss anything that happened last year. Updated reckoning for me in chart form: 2012-present Please note that I have consolidated some separate accounts of the same type into one category…


This article is by staff writer William Cowie.

I love snow — not the powder-lining you might long for on an overpriced ski slope, but the simple, white stuff that blankets the neighborhood. Our neighbors and friends all think I’m crazy, with the possible exception of the five or six families that happen to live on either side of us whose sidewalks get shoveled for no other reason than my exuberance for exercising out…


This article is by Suba Iyer, who currently writes for FiveCentNickel.com. Until a few years ago, I used to frequent a store that gave $10 (technically a credit of $10 toward future purchases, but it wasn’t cash) back for every $50 purchase. Whenever I got to $40 in purchases, I would add unplanned items to bring the total up to $50 as I couldn’t leave the “free” $10 on the table. My rationale was that these items were technically free. But in reality, the rationalization…


This is a guest post from former GRS staff writer Donna Freedman.

The price of gasoline in the U.S. dropped for 97 days straight beginning in late September 2014. According to the American Automobile Association, the gas we buy today costs an average $1.11 per gallon less than this time last year. Averages are great liars, of course. The average cost of gas in Anchorage, Alaska, right now is $2.87 while folks in Columbia,…


This article is by staff writer Lisa Aberle.

You’ve seen the get-out-of-debt advice: Quit buying lattes. Sell your stuff. It’s good advice, but it doesn’t apply to you. Because of your low income, a latte hasn’t touched your lips in years. And your stuff? You’ve been limping along for months now. No one wants what you have. You know Dave Ramsey says you need a bigger shovel to dig yourself out of this hole;…


This article is by staff writer Robert Brokamp.

I’m a bit of a nut about Christmas; I even have a daughter named Noelle. So this time of year can be a bit of downer for me. The tree gets disassembled, the Bing Crosby CDs get packed away, and the holiday cards stop coming. Regarding that last one, however, the void in my mailbox will soon be filled by a different type of tiding —…


This article is by staff writer Holly Johnson.

Recently, my sister and I were discussing our love/hate relationships with exercise when she told me something that struck me as funny. Apparently, she has trouble convincing herself to jog as long as she should, so she devised a plan. “When I know I’m not very motivated, I’ll have my husband get in the car and drop me off a few miles from home,” she said…


This article is by staff writer Honey Smith.

Let’s say that you and your prospective employer come to a satisfactory arrangement and you accept a new position. Surely you can loosen the purse strings a bit and relax now, right? Well, maybe. Sometimes promises and expectations don’t align with reality. While this can sometimes occur because a company is deceptive, other times this happens because everyone — both employer and potential employee — are…


This article is by staff writer Kristin Wong.

A few years ago, my boyfriend lost his awful job. It shouldn’t have happened. He worked hard, came in early, left late, powered through sick days and rarely took lunch. This workaholic, counterproductive behavior was highly encouraged by his Lumberg-esque boss. Like I said, it was an awful job. It wasn’t a good time for Brian. He was in debt, he lived in a 400 square…


[Editorial Note: For Throw-back Thursday, we wanted to bring back one of our favorite articles about taking control of your finances. Enjoy!]

The new year is upon us! Every year “save money” and “manage debt” resolutions show up among the top resolutions people make. And since January is the time we are most motivated to work on goals, you can use this momentum to push your financial engine forward at full speed. By…


This article is by staff writer Kristin Wong.

At the beginning of the year, I made four main resolutions, financial and otherwise. Max out my retirement Speak up more Consume less Save for a medium-term goal Of these goals, I achieved one and four. Two and three? Well, I did okay. In reviewing my goals, I realized there were a few goal-setting tips that worked well. But first, here’s what didn’t work for me….


This article is by staff writer Holly Johnson.

I honestly cannot believe that this year is already coming to an end, and I still have so much to do to prepare. At my house, end-of-year responsibilities include assessing our retirement situation, getting our business books caught up for tax purposes, and going over our expenses to see if there is anything we could change and do better next year. I’ve been working on that final part…


This article is by staff writer Robert Brokamp.

Back in July of 2013, I decided to move on from the turtle-logoed pages of Get Rich Slowly in order to devote more time to other professional and familial responsibilities. However, a few months ago I managed to find time to once again join this merry band of bloggers, which gives me the opportunity to pass along the results of a survey I included in my “farewell”…


This article is by staff writer Kristin Wong.

There’s something to be said for spending more on a quality item. If frugality is about getting the most value out of something, spending more on quality can actually be thrifty. In a recent post, I admitted that I once splurged on a $200 coat. A couple of readers rightfully pointed out that an expensive purchase isn’t always a waste of money. If it is a high-quality…


This article is by staff writer William Cowie.

Mortgage interest rates have been steadily dropping, and they’ve been doing that for a very long time — so long that most people can’t even remember rates higher than, say, 7 or 8 percent. How short our memories are: Those with gray hair remember that rates haven’t always been this low. This chart, compiled from Freddie Mac data, shows how the interest rate for 30-year fixed…


This article is by staff writer Honey Smith.

In recent posts exploring job searches and the cost of jobs in general, the subject of commute came up in a number of the comments. Readers pointed out that a commute makes a huge difference in whether a job is desirable or not because it has a significant impact on quality of life. I couldn’t agree more. When Jake and I were looking to buy a…


This article is by editor Linda Vergon.

There’s a tab up at the far right of the Get Rich Slowly website called “Forums.” I wonder if you’ve had a chance to visit. It’s where you (and a lot of other people) can join in with a crowd of like-minded and dedicated individuals to ask a question about your own personal financial situation and get an actual answer back. Who moderates the Forum? JerichoHill, kombat,…


This article is by staff writer Robert Brokamp.

My wife and I didn’t wait too long after our wedding to create a family. We were parents one week before our first anniversary. Our apartment was too small for a third human, so we endeavored to buy a house. Unfortunately, we didn’t have a lot of cash on hand since we moved from Florida to Virginia six weeks before we got married, and we footed…


This article is by Suba Iyer, who currently writes for FiveCentNickel.com. In 2009, I was all excited to start looking for a house to buy. I had been working in a well-paying job for almost five years at that point and I figured I shouldn’t be throwing money down the drain renting. Well, reality came crashing down when I finally looked at my savings. It wasn’t even enough to be a good emergency fund, let alone a down payment….


This article is by staff writer Holly Johnson.

Chances are, you’ll get at least one gift card for Christmas, Hanukkah, or Kwanzaa this year — whether you like it or not. If you are lucky, your card might be something you could use right away — like an Amazon gift card or one for your favorite store. But you might not be that lucky. You might end up with a gift card to a store…


This article is by editor Linda Vergon.

The New Year is coming, and we’re busy thinking of ways to inspire your personal finance journey in the coming months. Personal finance is about making one choice over another. And at Get Rich Slowly, we’re a deliberate bunch. We actively avoid making hasty decisions. So one thing we’d like to continue to explore – whether it is through someone’s personal journey or just by digging in…


This is a guest post from former GRS staff writer Donna Freedman.

Anyone who has lived on the margin has likely felt the anxiety that comes with having just about enough to get by. That’s why I’d like to suggest a holiday present that can make a short- or long-term difference in someone’s life – the gift of breathing room. Got a barely-afloat friend or family member or one who is inching toward the red…


This article is by staff writer William Cowie.

In the recent post regarding the survey of how people invest, the most glaring observation was that over 70 percent of respondents who have yet to experience a recession do not invest at all. Since the survey didn’t record the ages of respondents, it is fair to conclude that those who had not yet experienced a recession would be aged in their mid-twenties. Why doesn’t this group…


This article is by staff writer Kristin Wong.

For the past two years, the topic of women and money has come up in my life quite a bit. I’m guessing it has something to do with the fact that I’m a woman who writes about money. But as a woman who writes about personal finance, I feel have given the topic less attention than it deserves — not just in my writing, but in…


This article is by staff writer Honey Smith.

Once you have been offered a new job, you might assume the process is at an end. But is it really? Not all jobs are created equal, and the goal in getting a new job is (typically) to improve your situation. So job offers must be evaluated carefully to ensure that your goals, personal finance and otherwise, are being served. Salary considerations The standard advice when…


This article is by editor Linda Vergon.

The year I met the man I would marry, we were living in different cities and hadn’t spent much time together when Christmas came around. It was difficult to know what to give, how much to give, and how much to spend. I looked for inspiration. I consulted friends. I visited a lot of stores in search of a great gift. I ended up with a few…


This article is by staff writer William Cowie.

Get Rich Slowly conducted an online survey of about 2,000 randomly selected individuals on the subject of investing recently, and I found the insights from the results quite interesting. Some of the highlights of the findings of the survey are: 1. Over 40 percent of all respondents do not invest at all at the present moment. 2. Despite investing being more advantageous to the young, the…


It’s a really busy time, I know. But when Suba Iyer told me about how she closes out her year financially, I thought it would be of interest to the readers of Get Rich Slowly. So I asked if she would prepare an article and share her list with us – but in reviewing it, it appears she made it even more comprehensive! Suba currently writes for FiveCentNickel.com. The new year is just around the…


This article is by staff writer Holly Johnson.

A few weeks ago, I participated in an “Ask the Experts” segment on a huge site in the mommysphere, CafeMom.com. The focus of the project was saving, budgeting, and frugality, and my job was simply to answer questions that readers sent in. Sounds easy, right? Unfortunately, I quickly found that I am no longer equipped to answer many of the inquiries I would have sailed through just a…


This article is by staff writer Lisa Aberle.

Because I couldn’t meet my self-imposed cash budget of $500 in the month of October, I had to use other sources to meet our overage. But despite having lived under tight financial circumstances throughout some periods my life, I have always had enough to get by and things haven’t been (well, usually they haven’t been) too stressful for me. But I wanted to talk to people who…


This article is by staff writer William Cowie.

You have probably heard it before: At the end of yet another melancholy rant about how bad things are in America, someone inevitably adds “… and then the dollar is so weak, too.” Well, lament no longer because the dollar recently reached a seven-year high. How is the dollar measured? The U.S. dollar is used to measure so many things. The gold price is quoted around…


This article is by staff writer Honey Smith.

Looking for a new job is a multi-faceted process. Many of the aspects of career-building that I have been discussing recently are applicable even if you are just trying to keep a job you already have. But laying the groundwork for a successful job search is about more than just your reputation. A job search can take months — in some cases, up to a year…


This article is by staff writer Lisa Aberle.

As I mentioned in my last article, I experimented with paying cash only for my October groceries. I had only one goal in mind: Spend less on groceries so I could save more money each month. Well, my little experiment opened a whole can of worms. The experiment Basically, I always try to keep my grocery spending in check, but I usually don’t limit quantity or variety…


This article is by staff writer Holly Johnson.

My husband and I got married in December of 2005 and spent the first few years of our marriage enjoying each other without the responsibility of children. Then, after a few years, I found myself longing for a child of our own. Unfortunately, a giant roadblock stood in our way — our health insurance plan did not cover maternity. Those were the days before the new…


This article is by staff writer Kristin Wong.

At another site, I recently wrote about a tool that shows you online prices in terms of hours worked. I used a random item — a fancy coffee maker that costs $116 — as an example. It would take someone who earned $38 an hour approximately three hours of work to pay for that item. A reader replied that, if they made $38 an hour, they…


This article is by staff writer Lisa Aberle.

At the beginning of October, I slipped five crisp Benjamins into my purse. I don’t usually carry any cash at all, so I was feeling flush with $500 in my pocket. It was all part of a simple experiment: Could I save on my grocery budget if I only paid in cash? While I will share more in the future about what I specifically learned about groceries…


This article is by editor Linda Vergon.

Nearly two thirds of Americans are planning to travel at least once between Thanksgiving Day and New Years Day this year, according to the Orbitz Holiday Travel Insider Index. The survey is based off the popular site’s consumer research and booking data, which also indicates that 60 percent of travelers are willing to spend as much as $2,500 on their getaway. Most travelers (68 percent) plan to…


We monitor the interest rates being offered by more than 500 financial institutions (banks, credit unions, and savings and loan associations) and display only the top 50 highest rates in the table below. These are weekly updates to help you find the best online high-yield savings account and money market account rates currently available.

Part of an effective financial strategy includes maximizing your earnings while balancing your need for liquidity -- and a certificate of deposit, or CD, is one way to accomplish that goal. You can easily monitor the best CD rates and terms currently available in the table below plus the rates of more than 500 financial institutions (banks, credit unions, savings banks, and savings and loan associations)

GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, and more.

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