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Archives for April 2013

Good News for Stay-At-Home Spouses: The Government Now Allowing You to Have a Credit Card

The Consumer Financial Protection Bureau (CFPB) picked a new winner this week: stay-at-home spouses and “partners”. If you stay at home while your spouse or partner brings home the bacon, you can soon use household income when applying for a credit card. Like it or not, the new and controversial CFPB dictates what the financial […]

Pros and Cons of the 15 vs 30 Year Mortgage

Until about 2005, I never realized there were any mortgage terms other than 30 years. In addition to the fact that I’d never been in the market for a house prior to 2005, there were some excellent reasons for my ignorance. First of all, the 30-year mortgage came into being after the Great Depression—prior to […]

10 People Who Can’t Afford It Right Now

With so many people living beyond their means, being able to admit you can’t afford it is a good thing. But don’t use it as a crutch and don’t use it when you’re simply choosing to spend your money elsewhere. It’s more empowering and positive to say “I’m choosing to spend my money on something […]

DIY: How to Replace Your Dryer’s Heating Element

Last week my clothes dryer stopped heating. The dryer tumbler would work just fine, but there was no heat in the dryer and so the clothes would not dry. This is one of the most common problems with dryers, so I thought it made for a good DIY post. The following is a quick guide […]

Quick Money Tips: Jobs in a Tough Economy

In today’s edition, we take a look at finding jobs in a tough economy. There seems to be a certain expectation in our society to have a fulfilling job, a job that means more than just a paycheck. But when you need to pay the bills it really can be just about the paycheck. It isn’t […]

Is Now a Good Time to Buy a House or Rental Property?

Editor’s Note: This article is from Mr. PoP from He and Mrs. PoP are amateur Real Estate investors living in Florida. Feel free to let them know what you think of their advice in the comments below! Lately we’ve noticed a real increase in friends and family asking us about buying some real estate, either […]

PTM 030 – Going from Free to Paid Business Model with Phil Anderson of

Today’s podcast featured Phil Anderson, creator of, the free online budgeting tool. Phil wanted a piece of software that would simply help him manage his money. He also had a strong desire to be his on boss. So he used his software development skills to build the tool that he needed. He shared it […]

Help the Earth and Your Bottom Line with Green Investing

I recently met with my financial advisor to discuss exactly where to invest the retirement accounts I would be rolling over. I told him I was uncomfortable investing in big oil. My poor advisor took a deep breath before breaking the bad news: if I wanted my retirement account to grow, I’d probably have to […]

How to Retire Early – Let’s Run the Numbers

How the heck do you retire early? Isn’t this impossible? While I have not retired early (yet), I’ve seen others do it, and I do believe I understand the basic concept of how to retire early. So I’m going to share my beliefs about it with you. I welcome your thoughts in the comments below. […]

Kiva and the New Kiva Zip Helping Entrepreneurs from Little Rock to Kenya

The word entrepreneur conjures up a very specific image in our minds: a go-getter type with an excellent idea, a great deal of passion, and access to enormous funds to get their dream off the ground. Unfortunately, for many would-be entrepreneurs in America and the developing world, it’s the access to money that is the […]

My DIY Kitchen Upgrade: Install Kitchen Appliances Yourself and Save

Whether you’re remodeling your kitchen or making some upgrades to a rental property, you shouldn’t be afraid of trying to install kitchen appliances yourself. You might learn something new, and you’ll potentially save a little cash. I recently replaced our built-in oven, microwave, and range top. The process wasn’t that difficult as you’ll see below. […]

25 Insanely Easy Ways to Manage Your Money and Get Back on Top

Ready to manage your money and get back on top? It’s taken me 3 years to consistently stay on top of my finances. It’s not a simple task for sure, but most of the time we make it harder than it really is. Once you implement a few simple tasks, you’ll be on track. Below are […]