11 Easy, Affordable DIY Holiday Gifts

No need to ditch your frugal lifestyle around the holidays. You can save money, and earn bonus points for thoughtfulness, with a homemade gift. “Whenever someone gifts me something homemade, I always picture them working on it at their house, thinking of me,” says Emma Chapman, founder and CEO of the lifestyle blog A Beautiful Mess. “To me that’s much more intentional than … Continue reading


Holiday Shoppers, Beware of These 3 Identity Theft Risks

Big sales, must-have items and a list that just seems to get longer: Holiday shopping can drain your wallet and your sanity. Don’t let the stress erode your guard against identity theft, though. All that holiday shopping can leave you more vulnerable to scams. “It’s the fact that we’re not paying attention that makes the holidays so risky for ID theft,” … Continue reading


With Money Goals, Multitasking Pays Off

Tackling money goals one at a time cost financial literacy expert Barbara O’Neill at least $1 million. That’s how much O’Neill, a distinguished professor at Rutgers University, figures she lost by starting saving for retirement only after she had created an emergency fund, bought a car with cash and purchased a home. “I tell students that eventually, 30 years later, … Continue reading



At What Age Can You Ignore Your Credit Score?

At some point, you’ll buy your last car and refinance your last mortgage. Surely then you can stop worrying about your credit scores.  Well, not really, although there are situations when credit scores shouldn’t be anyone’s main concern. Let’s start with some reasons why credit scores still matter, even when you don’t plan to borrow money. Lenders aren’t the only ones … Continue reading




6 Places to Shop on Black Friday

Black Friday competition seems to get fiercer each year. Practically every retailer has an enticing sale, which can make choosing where to shop difficult. Department stores are popular choices. In fact, they were the top shopping destinations over Thanksgiving weekend in 2017, according to a National Retail Federation survey. But if you neglect other types of retailers, you could miss out … Continue reading


The Dynamics of Crisis, a Decade Out

Ten years ago, investors stood on the threshold of one of the most traumatic market environments of modern times.  From the end of August 2008, through March 9, 2009, the Standard & Poor’s 500 Index declined by 47%.  An erosion of confidence in U.S. mortgage-backed securities became a full-blown global financial crisis revealing an unsettling fragility across debt markets, money … Continue reading


Black Friday Is Coming. Here’s What Not to Buy Until Then

In a year when online competition is fierce and brick-and-mortar shops are struggling, major retailers are likely to come out swinging this Black Friday. Ron Kuntze, a professor of marketing at the University of New Haven in Connecticut, thinks Black Friday 2018 will be big for consumers — big, that is, when it comes to savings and customer service. To … Continue reading


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