Personal Finance Advice

I may be late to the party, but I discovered the Tiny House Blog the other day. The author features all kinds of tiny houses, including homes made from storage sheds, campers, freight cars, and other unconventional materials. At first glance, you probably think, as I did, “How can anyone live in a space that [...]

In an earlier article, I talked about the pros and cons of signing up for a coupon class. While there are some plusses to such classes, much of what you will learn can be found online for free. Even better, it can be found right here at Saving Advice. Below I’ve compiled a list of [...]

My local library is dying and, with it, my best source of free books. Thanks to the crummy economy, the library’s budget has been cut to almost nothing. They have no money for new acquisitions. Old books are being sold to raise money and not replaced with new titles. Shelves are emptying and though they [...]

Classes run by “coupon experts” that promise to teach you how to maximize your coupon savings have been around for a while. With the recent popularity of couponing thanks to the TLC show, “Extreme Couponing,” I’ve noticed a surge in the number of these classes being offered in my area. Always curious about things like [...]

Haggling isn’t widely practiced in the United States. Sure, sometimes you haggle at the car dealer or maybe with some local craftsperson at the craft fair, but it’s not a big part of our culture. Most people are too embarrassed or unsure to even try it. However, many more places than you might think are [...]

A couple of years ago, I wrote about some simple recipes for natural homemade cleansers. These are some very simple concoctions that you can make with ingredients like baking soda, white vinegar, and essential oils that will clean and disinfect your home for a fraction of the cost of commercial preparations. I started using these [...]

Furniture is expensive. Even “cheap” furniture is expensive, and if you want high quality furniture prepare for sticker shock. While many people have an ultimate goal of having a nicely furnished home, some people don’t share that desire or have the means to pay for expensive furniture. Those just starting out likely don’t have the [...]

I’ve reached one of those milestone birthdays where you stop and take stock of your life. I’ve been looking at where I’ve been and where I’m going professionally, personally, and financially. In looking at my finances, I’ve realized that there are eleven actions that have contributed directly to my success. These actions have all been [...]

Several ladies in my neighborhood have recently gotten involved with direct selling organizations like Pampered Chef, Tupperware, and Usborne Books. As a result, my mailbox overflows with invitations to all of their “parties.” While I’m happy that they’ve found something to bring in some extra money, these invitations are tricky because I’m just not interested [...]

I had a roommate in college whose mantra in life was, “Just because you can, doesn’t mean you should.” She applied this to everything from dating (Just because you can date that drunk frat guy doesn’t mean that you should) to academics (Just because you can graduate with a D average doesn’t mean that you [...]

When I’m at a restaurant with a group of people, often times there is a discussion on the best way to split the bill. It always seems that the person who had the most expensive meal suggests that we simply split the bill evenly to make it easy. This makes perfect sense from his perspective. [...]

At various times in my life I’ve lived in apartments with few appliances, dormitories with no amenities at all, and homes with HOA’s that restricted what I could do on my own property. I’ve also worked in offices that had no free parking. Living and working in these places greatly increased my expenses because I [...]

In these waning days of summer you may be desperately searching for something to entertain the kids. They may be tired of the pool, the family vacation was a month ago, they’ve exhausted all their toys and games (and those of their friends), and it’s just too hot to go outside or hit the local [...]

Someone asked me the other day whether every purchase and financial transaction has to have deep meaning. “To hear you talk sometimes,” this person said, “no one should ever buy anything unless they’ve carefully researched it, dissected it, and tallied the impact on the budget. Doesn’t anyone get to have any fun with their money?” [...]

When a cashier hands you your receipt, you probably just think of it as one more annoying piece of paper. Many people toss their receipts in the nearest garbage can on their way out of the store. It’s particularly tempting to toss it when you paid cash and you don’t even have to enter it [...]

My neighbor’s refrigerator died a couple of weeks ago. It was running, but hardly putting out any cold air. Since it was in the middle of a heat wave, she felt that she had little choice but to just go get a new one. So she went out and spent $2,000 on a new fridge. [...]

You may have seen commercials on TV advertising a “vanishing deductible” (also commonly called a disappearing deductible) and thought it was a great idea. The concept is pretty straight forward and seems easy to understand: If you are accident and moving violation free for a year, your car insurance deductible is reduced by a certain [...]

Last week Netflix raised their rates, increasing the price of some plans by as much as sixty percent. Where before a plan with one DVD out at a time and unlimited streaming was $9.99 per month, the same service will now cost $15.98. Ouch. The outrage online was swift and furious. Customers were losing a [...]

Most people get many offers for various memberships. Health clubs, warehouse clubs, hobby groups, country clubs, alumni groups, auto clubs, and professional organizations all want us to be members. Unfortunately, very few clubs are free to join. Many come with hefty dues. While you’ll probably get some benefits from joining the organization, the main question [...]

Chik-Fil-A hosted their annual “Cow Appreciation Day” last week. If you went to the restaurant fully dressed as a cow, you got a free meal. If you wore just a little cow gear, you got a free entree. We decided that it would be fun so we made some simple costumes from white clothes we [...]