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Archives for April 2010

Copy-Cat Recipe Blogs: For the Food Lover in All Of Us

In this post, Austin, from Foreigner’s Finances (an American’s Experience with Money Abroad), shares his new found love for copy-cat recipe blogs, a frugal alternative to dining out at your favorite restaurants. Photo by liber My girlfriend enjoys cooking, baking, and the creative struggle of taking ingredients and making something delicious out of it. Me? […]

First Timer? Reduce the Cost of Your First Home

Spring is in the air, and the first time home buyer tax credit is coming to an end. With the available credit, low-interest rates, and prices still at low levels, there’s likely never been a better time to be buying your first home (I’m so jealous). But just because you have all that to your […]

6 Financial Benefits of Working from Home

Do you work from home? Are you considering it? It can be a big financial benefit for you. I’ve been working from home for several weeks now since I quit my day job. I’ve loved it. More importantly, I feel like I can give some honest feedback about how you can save by working from […]

Shop Safely Online: Use a Virtual Credit Card Number

A virtual credit card, sometimes referred to as a temporary credit card or throw away credit card, is a credit card number that is generated by your credit card issuer, on your behalf, for temporary use. You don’t actually get a physical credit card with this number. You simply use the number for an online […]

Can I Have a Joint IRA Account?

With the tax season recently coming to an end, there are many people wondering about IRA contributions and in general, how retirement investing works. Last year this time I personally opened up my first Roth IRA. This year, on April 15th, I received this question from a reader: “Between me and my wife, can we […]

How to Get a Health Insurance Quote at

Last week I shared my thoughts on buying health insurance as a self employed individual. As you know, I ended up getting an individual health insurance policy that is HSA-eligible with a $10,000 deductible. Today I thought I’d share more about the process of getting a quote through It’s pretty straight-forward, but I thought […]

7 Ways to Ensure You Never Pay Full Price For Anything Again

Many of us (even those who otherwise enjoy shopping) frequently leave the store feeling like they paid too much for their purchases. Whether it’s airline tickets, health insurance or major appliances, we are seldom happy to have paid full price for anything. Fortunately, with some smart changes to your buying habits, the feeling of being […]

Buying Health Insurance as a Self Employed Individual

This is a big topic. I’m not going to pretend to be an expert in this area. I’m still learning about health insurance as it relates to the self-employed person. But I have waded through a few of the details and I’m prepared to share with you how I made my decision on buying health […]

Am I Required to Make Estimated Tax Payments on Extra Income?

As you know, I have been self-employed for quite some time now. Most of my self-employment income doesn’t have any taxes withheld and is reported on a 1099. That means I have to make quarterly estimated tax payments. There can be a lot of confusion about how to handle such estimated tax payments. Coincidentally, I just received a related tax question […]

Why You Should Save: A Frugal Perspective from a Former Spendthrift

Some people were just born frugal, like my father and my grandfather. I am not one of those people. I am convinced that out of some sort of random genetic mutation, I was cursed at birth with an insatiable desire to spend indiscriminately. Along with this disease, I also inherited from some distant ancestor a […]

How to Make a Deposit at an Online Checking Account

The Big Negative with Online Checking One of the biggest barriers to entry for people considering an online checking account for exclusive use is the inability to drive up to the bank and make a quick deposit. Online only checking accounts are becoming more and more popular though, and they’re also expanding the way they […]

Key Takeaways of Personal Finance: Series Wrap and Download

That wraps up this series of posts covering my Key Takeaways of Personal Finance. I hope you enjoyed the series and can use the information to create a better financial life for you and your family. Here’s a list of the posts that were included: Get Started Organizing Your Finances: Get to Know Your Money […]