The Cost of More

We have become a nation of “more is better.” We want more of everything — more toys for our kids, more cars in the driveway, more shoes in the closet, and more bathrooms in the house. Our houses, garages, dumpsters and lives are filled with Stuff. With a toddler around, I’m very tempted to fill the […]


Essential money tips for new college grads

Graduation is the theme all around my neighborhood. It is a time of excitement and big dreams. Unfortunately in most cases, personal financial sense is not a taught at college. Once out of college, going from living broke to a big paycheck every month can easily encourage lifestyle inflation and a downward spiral of bad financial […]


10 tips most first-time home buyers don’t consider

It’s been exactly one year since my husband and I purchased our first home. As one might expect, we’ve learned a number of valuable lessons this past year. There are plenty of articles full of useful tips for first-time home buyers. I am not going to repeat them. Instead, I will list the lessons I personally […]


How to save money on dental insurance

When I transitioned from a full-time job to being self-employed, one of the biggest hurdles I faced was finding low-cost health insurance. Finding affordable dental insurance proved to be even more difficult. First, I couldn’t find any dental insurance with benefits comparable to what I was getting from my full-time job. Second, even insurance with very […]


How to save money on airline fees

The summer travel season is almost upon us. In the past, finding good airfare deals used to take the most time, while booking the tickets only took a couple of minutes. Now, it goes like this: You spend hours trying to find a good airfare deal and get excited when you find an awesome deal! […]


Anatomy of a credit-based insurance score

If you drive a motor vehicle in the United States, it is compulsory in most states to carry insurance. Auto insurance is one of the “big wins, ” where a little effort provides a big payoff, not just once, but again and again. There are several well-known ways to save on auto insurance ranging from […]


Time to think about taxes, again!

Yes, I know we’re just past last year’s tax season, but good tax planning works only if we start early enough for the current year. Having last year’s tax return still fresh in memory gives us a great start for next year’s tax planning. Understand how your income is being taxed Do you know what […]


How to rear money-smart kids

The Consumer Financial Protection Bureau estimated, in 2013, that outstanding student loans have swelled to over $1.2 trillion. Seven in ten college seniors who graduated in 2012 had student loan debt, at an average of $29, 400. Scary! It is extremely important for kids to have a good handle on personal finance before they enter college. […]


Expensive tax mistakes to avoid

Tax season is in full swing. Thanks to tax preparation software, a lot of the common mistakes (i.e., missing social security numbers) are now automatically detected. Still, they are only capable of checking for math accuracy and missing fields. They can’t optimize a tax return to get the maximum amount possible or compensate for our misunderstanding […]


How to save money on road trips

It is time to plan summer vacations. If you are planning to fly to your destination, now is the best time to start setting up price alerts for the plane tickets and signing up for credit cards if you want to use the miles and perks that come with carrying a particular airline card. With an […]