Blog

Musings on personal finance and more. Not written with AI since 2012.

3 ways to lower your car insurance payment

With prices spiking, I take a look at a few common (and uncommon) ways to pay less for your car insurance. … Read More

Why you need to earn more than a 3% return

Inflation affects your savings more than you might think, which is why you need to be mindful of your rate of return. … Read More

Do you know more about money than the average American?

A personal finance survey shows that financial literacy is declining for Americans. Take the related quiz to see how you do. … Read More

The most important decision when sharing finances

Couples often fall into sharing finances without truly discussing the arrangements they make. There is an important action they need to take. … Read More

How to stop giving out your home address

Every company wants your address. Thankfully you can use a PO Box or other option to keep your location info to only those who truly need it. … Read More

You don’t need a new phone

Buying a new phone frequently just doesn’t make sense anymore, but people keep doing it anyway. That needs to stop for lots of reasons. … Read More

You will own everything and be happy

With Big Tech pushing you toward owning nothing and just renting, I offer alternatives to help you take back control. Be happy about that. … Read More

Can you earn a higher return on your emergency fund (safely)?

I look at buying short-term Treasury bill funds and compare them to a high-yield savings account to see if the returns are worth the risk. … Read More

How much money are you really getting from cash-back credit cards?

Cash-back credit cards offer a more predictable return than travel credit cards. But will you earn what you think you’ll earn? … Read More

Should you buy a home with no money down?

A mortgage with no money down for a down payment sounds like a great deal. But is it as good as it sounds? I just got an email from my credit union with the heading: “Buy your first home with … Read More … Read More