Today, for a little change of pace, I’d like to tell you how to ruin yourself financially. Why choose financial failure over financial success? Well, there’s one main reason: it’s so much easier!
In fact, achieving financial ruin takes only one easy step: hope. All you have to do is hope with all your heart that [...]

The particular money-saving idea I’m about to present is a timely one. It’s beginning to get warm outside. Soon, the prospect of turning on the A/C will begin to nag at even the frugally-minded. So I’m just going to jump right in and make a suggestion some people might think is crazy:
Stop using the A/C.
I’m [...]

Among the many things I enjoy in life, opening up bank accounts takes a spot pretty close to the top. Huh? you say. Just what kind of sicko are you?
Well, okay, it’s not really that I enjoy opening up the accounts. It’s not really that I even enjoy having the accounts. It’s not that I [...]

I was walking down the street the other day when I passed by a bunch of newspaper vending machines and one particular headline caught my eye. “Affluent Gen Xers, Ys spurn lavish life,” the headline read. Fascinating, I thought. I wasn’t aware that there was any tendency toward tightwaddery in my generation. I felt like [...]

I think you already know this if you’ve glanced through my blog before, but I’ll say it once more: I’m cheap and proud! I think living cheap is beautiful and freeing and tons of fun. But cheapness does have its limits, and there are a few isolated things I won’t skimp on. Here’s a list [...]

I’m really into sweating the small stuff. Big stuff is worth sweating too, but you know, a bunch of small things put together make a big thing. This explains why I bother with online coupon codes, why I book and rebook my airline reservations, why I bought an Entertainment Book, and why I do a [...]

Personal finance commentator Dave Ramsey says that “responsible use of a credit card does not exist,” and advises consumers to cut up their credit cards. Check out his article “The Truth About Credit Card Debt,” in which he elaborates on these views, here.
In general, Dave Ramsey offers solid financial advice, but I humbly disagree with [...]

So I got to thinking the other day: you know, working at McDonald’s really isn’t so bad.
Wait a minute. Aren’t “McJobs” brainless, rote, and soul-destroying? Isn’t flipping fries all day an awful way to whittle away a lifetime?
Well, I look at it this way. I don’t work full time, but if I did work full [...]

It’s April 15th, tax day, and it seems like a great time to start a personal finance blog. I’ve been mulling this over for a while and I’ve decided it’s time to make it happen. There are already some great personal finance blogs out there (My Money Blog and Get Rich Slowly come immediately to [...]