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Should You Use a Roth IRA as an Emergency Fund?

Should You Use a Roth IRA as an Emergency Fund?

Saving an emergency fund and investing for retirement are both important. But squirreling away three to twelve months of living expenses may delay retirement investing for years. Fortunately, there's a way to do both without doubling your income: Use your Roth IRA as an emergency fund. Unlike the traditional IRA, with a Roth IRA, you ...

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Where to Buy Movie Tickets For Cheap Online

Where to Buy Movie Tickets For Cheap Online

Nothing's more timeless than griping about movie ticket prices, and for good reason. Where I live, an adult movie pass, generally, costs at least $11. After popcorn and drinks, a night at the movies is like $40 for two adults. That's cuhrazy! Fortunately, you don't have to pay full price at ...

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A Quick and Dirty Guide to Passive Income Streams

A Quick and Dirty Guide to Passive Income Streams

A couple of days ago, in How Lazy Bastards Make Money Without Lifting a Finger, we discussed the benefits of passive income. Today we'll dive into the nitty-gritty details on how to passively beef up your earnings. Interest Simply put, interest is the cost of cash. It's money earned for money loaned. Individuals, businesses, and governments ...

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Secret Tricks to Grabbing the Best Travel Deals

Secret Tricks to Grabbing the Best Travel Deals

Many Americans spend the whole year fantasizing about those precious few weeks of vacation, when they can escape corporate politicking and their tuna-fish-sandwich-eating office mate. But if you want to truly unwind during your time off, don't allow money worries to cloud your brain. Making the most of your travel dollars ...

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Check Your Credit Score Online for Free: Credit Karma Review

Check Your Credit Score Online for Free: Credit Karma Review

Have you been to AnnualCreditReport.com to order a free copy of your credit report from each of the three major credit bureaus? If you haven't, you should do so once a year. If you have, then you're aware that AnnualCreditReport.com does NOT offer a free credit score along with your free credit ...

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Blog Post Preview: Boosting Your Credit Score

Just wanted to let my readers/viewers know what I’m working on. I got the urge to write about improving your credit score. Although I believe we should rely on credit as little as possible, FICO is just a reality of the world we live in. Until we’re wealthy enough to pay cash for everything, let’s [...]

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It’s Not About the Money

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No longer can I sit quietly while commenters on popular personal finance blogs dismiss the importance of scrimping on toiletries. Apparently, we shouldn’t concern ourselves with meaningless cost cutting strategies. Well, I’m not so busy that I can’t be bothered to restrict my toilet paper use and cutting a dryer sheet in half isn’t beneath me. Although it’s a well known fact that I’m a scrooge, refusing a needy comrade a piece of gum isn’t about the money. It’s about my time.

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5 Tips to Stay Motivated and Get Out of Debt

Like losing weight, getting out of debt can be a long and toilsome process. However, piling on debt is easier than piling on the pounds. There aren’t any quick and easy fixes, so I’ve listed 5 tips that will help you stay motivated while you climb your way out of debt.

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The Purpose of an Emergency Fund. Hint: It's Not What You Think

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I was talking to a friend today about the difference between an emergency fund and a sinking fund.  She heard the term “sinking fund” on The Dave Ramsey Show so she called me up to ask if I’ve ever heard of one.  Well, I listen to The Dave Ramsey Show too, and if I remember [...]

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Get Over Yourself. You're Overpaid.

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I don’t know if it’s arrogance, ignorance, or entitlement, but I often hear my fellow citizens exclaim the value of their time. When faced with a task they find unpleasant, they opt to pay someone to do it for them. In many cases, this is perfectly acceptable. However, I find a lot of people’s estimation [...]

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The Case for Frugality

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I’ve been told by a few people to stop being cheap. It’s interesting that every person who has told me that has a lower net worth than me. They don’t seem to understand the purpose of being frugal. I think they believe I enjoy self deprivation and sacrifice. There are probably a few of you [...]

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6 Simple Ways to Outsmart the Credit Card Companies

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During my never ending quest for knowledge, I stumbled upon an audio book at my local library by Kevin Trudeau titled Debt Cures “They” Don’t Want You to Know About. The “they” Mr. Trudeau refers to is the consumer lending industry. I’m all for Americans gaining their financial independence and getting out of all kinds [...]

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4 Ways to Save Money

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There seem to be an infinite number of frugal living tricks to save money, but I want to share some basic principles I adopted to pay off $25,000 of debt and save up a 3 month emergency fund in 13 months. The best way to save money is to not spend it.

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Special Post: No One Cares About Your Problems

This morning I cried. I cried because I was given the bad news that my precious corduroy jacket could not be found at the establishment I visited last night. Guilt overwhelmed me when I realized I should’ve just paid the $10 to reenter the parking garage so that I could retrieve my jacket before somebody [...]

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How to Cut Cable Costs (Part 2)

My 27 inch tube television isn’t beckoning me to install cable. I only use it to watch DVDs. If I had a mega TV then maybe I’d get the urge to subscribe to cable so that I could enjoy all of its awesome high definition qualities. Since I’m saving up for a down payment on [...]

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