Greetings! If you’re new here, I encourage you to learn what this site is about. I hope you will also consider subscribing to the RSS feed or signing up to receive new articles about personal finance conveniently via email updates. Thanks for visiting!First heard in a 1995 episode of Seinfeld (and practiced for long before [...]

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The lottery is an idiot tax and don’t let anyone convince you otherwise. Sure, you’ve done the math in your head and you’ve even won a few times, but don’t let that fool you. It’s a numbers game the gaming commission is bound to win - after all, they’ve got some very bright statisticians and [...]

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There is no such thing as a free lunch, but you can come awfully close to it at your local library. Because it is funded by the city or state or province that you reside in, the local library is able to provide its services for free.
 Image by victoriapeckham
The really great thing though is that [...]

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Payday loans are small loans (often between $100 and $1,000) made for a short period of time for a fee. They also go by other names such as “cash advance loans”, “check advance loans” and “deferred loans”.
Image by Orin Optiglot
Payday lenders have begun to spring up more and more, especially in lower income neighborhoods where [...]

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A few days ago Adrian emailed me to ask:
“I have bills coming due at different times each month. Managing these is turning into a full-time job. Can you help? How do you pay your monthly bills? Do you cut checks each time or have you automated the payments somehow?”
Great question Adrian. I struggled with efficient [...]

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