Author Archives: Amy L. Fontinelle

Ten Pros of Working for a Small Business

When you talk with most people, they seem to want to work for a large company and often overlook the possibility of working as part of a small business. Working for a small business can be substantially different from working … Continue reading

Posted in Personal Finance, Work | Tagged , , , , , | 7 Comments

How Increased Income Has Changed My Spending Habits

I’m always proud to tell people that my total monthly expenses today are pretty close to what they were when I got my first real job after college. Some things, like my rent, have gone down, while other things, like … Continue reading

Posted in Personal Finance | 1 Comment

Rental Car Insurance: Making Use of Credit Card Benefits

You may not know this, but your credit card provides a lot of additional services in addition to letting you postpone payment on purchases and earn cash back or frequent flyer miles. One of these services is rental car collision … Continue reading

Posted in Cars, Credit Cards, Insurance, Saving Money | 33 Comments

The Fastest and Safest Way to Real Estate Wealth

Since I live in an area of the country where housing prices are higher than what I can afford, I was considering buying property in a very affordable state where I used to live and renting the property out. That … Continue reading

Posted in Housing, Investing, Making Money | 3 Comments

Work Documents Are Worthless If Your Grammar Stinks

When it comes to resumes, work documents, and other professional writings, the quality of your writing directly impacts your success. Poor quality writing can lead to missed opportunities and negatively affect your earning power or financial well-being. When you don’t … Continue reading

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Costly Secrets Cosmetic Companies Don’t Want You To Know

No one would be surprised to read that cosmetics companies exaggerate the claims of what their products are able to do, yet thanks to an endless tirade of marketing, many of us still believe part or all of what we … Continue reading

Posted in Saving Money, Shopping | 11 Comments

Why Financing Your Computer is a Terrible Idea

In general, I don’t advocate buying things that you don’t have the money for, whether it’s an expensive item like a car or an inexpensive item like a pair of shoes. In the case of computers, however, those offers to … Continue reading

Posted in Credit Cards, Personal Finance | 8 Comments

The 4-Hour Workweek: How To Take Mini Retirements

Timothy Ferriss, a twenty-nine-year-old, self-proclaimed member of the New Rich, recently published his first book, The 4-Hour Workweek. In his book, Ferriss proposes that retirement should be worst-case scenario insurance and that we’d all be better off taking mini-retirements throughout … Continue reading

Posted in Making Money, Personal Finance, Work | 5 Comments

Your Car Is Not An Investment – And Neither Are Some Of the Other Things You’re Pretending Are

In order to justify expensive purchases, many people, including plenty of otherwise very intelligent folks, like to refer to certain types of spending sprees as “investments.” Luckily for me, from the time I was about four years old, my father … Continue reading

Posted in Cars, Education, Investing, Personal Finance, Shopping | 18 Comments

Don’t Let Buying Eye Wear Rob You Blind – Smart Ways To Save Money On Eye Care

Eyeglasses and/or contacts are a necessity for most of us — a necessity that can be quite expensive. It doesn’t have to be that way. With a bit of research and time, there are plenty of ways to cut the … Continue reading

Posted in Medical, Saving Money, Shopping | 12 Comments

The Ten Best Things You Can Do For Your Children’s Financial Future

According to a recent Charles Schwab Financial Services survey of 1000 teenagers between the ages of 13 and 18, the average teenager believes that they will earn an annual salary of $145,000 a year. Teenage boys believe that they will … Continue reading

Posted in Budgeting, Education, Personal Finance, Saving Money, X Files | 9 Comments

Things You Shouldn’t Carry In Your Wallet or Purse

Yesterday, I was reading my email and one was from a friend who had just had her purse stolen in a drive-by purse snatching. While losing the money in the purse is definitely both maddening and frustrating, it’s much of … Continue reading

Posted in Credit Cards | 7 Comments

Why I Decided Not To Buy A House

Since I live in an expensive part of the country, I never gave a thought to buying a home. Everyone I knew, even successful people in their mid-thirties, rented. Then I started reading personal finance books, all of which said … Continue reading

Posted in Housing, Personal Finance | 34 Comments

8 Steps To Prepare For A Fire

Many of us feel like there’s little point in preparing for a disaster because we never know when something might happen and it’s impossible to be perfectly prepared. If you back up your computer every Friday and it gets stolen … Continue reading

Posted in Housing, Insurance | 8 Comments

Cutting Grocery Costs (without clipping coupons)

To save money on groceries, you can do lots of things besides clipping coupons (which I never do). Here are a few ideas to help you save money and add some spice to your routine. Shop at ethnic markets: I … Continue reading

Posted in Food / Groceries, Saving Money | 16 Comments

Understanding Disability Income Insurance

We all hear a lot about protecting our financial futures by staying out of debt, having an emergency fund, and saving for retirement. Disability income insurance, or DII for short, is another important form of protection that many people don’t … Continue reading

Posted in Insurance, Work | 6 Comments

Diet & Personal Finance

One of the most common New Year’s resolutions is to lose weight. Weight loss is also big business — Americans spend tons of money on diet pills, weight loss surgeries, gym memberships, and special diet foods each and every year. … Continue reading

Posted in Food / Groceries, Health, Personal Finance | 4 Comments

An Introduction To Closing Costs

If you’re a potential first time homebuyer, you may be confused about those mysterious closing costs — the expense that means that when you think you’ve finally saved up enough for a down payment, you really haven’t. Closing costs can … Continue reading

Posted in Housing, Personal Finance | 8 Comments

5 Ways To Minimize Your Workout Costs

The only time in my life that I ever found it both easy and inexpensive to exercise is when I was studying abroad during my last semester of college. My minimal course load left me with plenty of time to … Continue reading

Posted in Health, Saving Money | 6 Comments

Home Inspection – Do Your Really Need One?

The first time a realtor explained the home inspection process to me, I thought, “What a load of crap! I can test the dishwasher and make sure all the outlets work myself! Why would I pay someone else $450 to … Continue reading

Posted in Housing | 12 Comments