Personal Finance Advice

When it comes to bettering your life, one of the chief obstacles is breaking out of old habits. It’s often necessary to look at situations from different perspectives. While solutions may look daunting at first, many times the solutions are much easier than they first appear. I love the story of the square watermelon because [...]

Lately I’ve been watching TLC’s new show, “Extreme Couponing” which is sort of like watching a train wreck. You know you should look away but you just can’t. The show profiles people who get hundreds or thousands of dollars worth of merchandise for free or close to it, thanks to their use of coupons. This [...]

When it comes to ways to save on food bills, there are sales, coupons, meal planning, loyalty cards, and eating leftovers. You can also stop eating out and brown bag your lunches. But the best (and least used) way to save money on food is to simply eat less. Why is this strange? Because no [...]

Lately I’ve noticed two things: First, there is an increase in coupon use thanks to the Great Recession. Second, thanks to the increased coupon use there is a more vocal judgement of coupon users on Internet forums and at my local coupon swaps. People are not shy about criticizing others for “eating nothing but junk” [...]

When I was younger, I was a figure skater. To get the rust off of our blades we would frequently soak them in Pepsi. I didn’t understand at the time why that worked, only that it did. Turns out that most dark sodas have a pH of 2.8 – 3.4. This makes them acidic enough [...]

The other day a friend of mine was talking about how much her family eats out. To my astonishment, they eat out every single day, sometimes for more than one meal. Much of that food is fast food picked up on the way to school, work, or other activities. When I asked her why they [...]

One of the most frequent pieces of advice given to those wanting to save money is to write down all of your spending. Doing this exposes all the wasteful spending that often slips by unnoticed. I have a corollary piece of advice: If you want to save money, start by examining your trash, both at [...]

Two weeks ago I got food poisoning. I got it from a deli sandwich that either had bad mayo or meat on it. This wasn’t a little, twenty-four hour case of food poisoning, either. This was a full-blown-week-long-have-to-go-to-the-doctor-because-I’m-dangerously-dehydrated kind of food poisoning. Let me tell you, it wasn’t fun. (Although losing eleven pounds in a [...]

One of the most interesting things I have learned about personal finances is that things that seem to have absolutely nothing to do with money often have a huge impact on your finances. A good example is knowing what makes you happy. Another one was discovering that the more I know about my personality, the [...]

If you already use coupons, chances are that you get coupons in the paper that you don’t use. Even if you don’t use coupons, you probably have access to coupons from the paper or magazines that you receive. Wouldn’t it be nice to turn unwanted coupons into a little extra cash? You can if you [...]

I’m frequently asked about the best ways to save on food. There are many ways, including coupons, shopping the sales, buying store brands, and buying in bulk. But if you want to know the easiest way to save on food, here it is: Stop wasting it. According to WastedFood.com, Americans waste more than forty percent [...]

We often talk about keeping up with the Joneses. When we accuse someone of keeping up with the Joneses, we usually mean that they are buying cars, clothes, or other tangible items because their friends and neighbors have those items. They want to fit in with their peer group, so they try to mimic their [...]

Here’s the great thing about frugality and saving money. It’s almost foolproof. When you make a commitment to getting your finances on track, living more simply, and putting money away for the future you really can’t fail at it, as long as you keep trying. Some people tell me, “Oh, I tried frugality but I [...]

I have a friend who is a foodie. She loves to cook and is always making new things. I was at her house the other day and I noticed the (literally) hundreds of cookbooks she has in the house. When I commented how many she had, she said, “Yeah, and it’s cost me a fortune. [...]

Each time that I sit down to write an article, I never really know how it will turn out or whether it will be published. That sense of unknowing always takes me back to junior high school when I was always convinced that my papers just wouldn’t measure up to expectation. So far, I have [...]

Sitting here at my computer, late on a Saturday night, I am thinking about one thing — frozen treats, whether ice cream or gelato or frozen yogurt. About fifteen hours ago, I told my wife that if we did nothing else today, we needed to go out for a frozen treat. If I had to [...]

Yesterday I went grocery shopping. When the woman in line behind me noticed my stack of coupons, she jokingly suggested to her husband that they might want to move to a different line. I laughed and exchanged pleasantries with the couple while the cashier rang up my purchases. When everything had been rung up, my [...]

I’m often puzzled when, in an effort to help someone else save money, I’m looked at like some sort of criminal or crazy person. Here’s an example. This week I had a coupon for $5 off at TGI Friday’s. The coupon explicitly stated that it could be used multiple times or given away to friends. [...]

I recently read an article where the author gave 8 Reasons Not To Coupon. I understand that it was probably an assignment given to a “journalist,” but overall the article kind of annoyed me. I do not coupon directly, but I do save a ton of money using the coupons that my wife prepares for [...]

In even the most organized of kitchens, there will be waste. Spills, failed recipes and other mishaps will add to food costs. It cannot be helped because accidents do happen. At the same time, a lot of waste can be avoided and a lot of unnecessary costs do not have to be suffered. It just [...]