Personal Finance Advice

Please consider the idea of haggling: a buyer negotiating with a seller to get a lower price. It sounds like a great way to save money. Why am I not doing it? I believe that like other consumers, haggling just isn’t on my radar: I pay what I see on the price tag without question. [...]

When you’re a young adult preparing for a working world that you haven’t yet experienced, knowing what to expect is difficult. Here are a number of things I wish I had known about work when I was 20 that would have gotten me off to a better start. Why learn these lessons the hard way [...]

I think if I hear the words “bail out” once more I might scream. It seems that everywhere I turn these days someone, some company, or some institution is getting bailed out of their bad financial decisions. As someone who has tried very hard to live within the rules and not make bad or irresponsible [...]

Do you ever stop to consider all of the papers that you receive in the course of your daily life, but which you do not stop to read? Do you read the warranties on every product you purchase and the terms and conditions on every website that you visit? Do you even bother to read [...]

Here’s a case study to think about: A member of my family has large retirement funds and savings accounts, a good income, no mortgage, and no other debt. She does not buy the top of the line in anything and is as frugal as they come. She buys very little that isn’t necessary and gets [...]

Men dread Valentine’s Day. Women love it. It’s a gal’s holiday. I realize that this is a generalization, not all men dread Valentine’s Day and not all women love it. But in general, women are more geared towards all that romance and mushy love stuff. So, how can a woman please her man on Valentine’s [...]