Saving and Investing

What are Exchange-Traded Funds and How to Use ETFs in Your Portfolio

What are Exchange-Traded Funds and How to Use ETFs in Your Portfolio

Recently, someone asked about exchange-trade funds (ETFs). He was interested in what they are, as well as how they could be included in his investment portfolio. ETFs are a relatively recent development in the world of […]

The Advantages of Being a Boring Investor

The Advantages of Being a Boring Investor

When many of us think about investing, we think about a fast-paced trading floor. We’ve seen movies like Wall Street that make investing seem like it has to be a high-rolling, fast-paced game. And, while this can […]

Fun Fund: Saving Money for Entertainment and Travel

Fun Fund: Saving Money for Entertainment and Travel

You know you need an emergency fund. Personal finance bloggers like me are always writing about how important it is to be prepared for a rainy day. But what about a “sunny” day? Shouldn’t you be […]

Investing in Bonds: Types, Risks, and How to Buy Bonds

Among the common investment strategies is using bonds in a portfolio. Bonds can be a solid addition to any investment portfolio, when used in the proper asset allocation for your goals and needs. However, it’s a […]

Long Term Investing Tips and Strategies for Beginners

Long Term Investing Tips and Strategies for Beginners

Concerns about the volatility of the stock market, and the prospect of losses during downturn, have convinced many that stock investing is not for them. However, “safer” investments like cash and bonds may not provide the […]

3 Good Reasons to Take More Risks

Many of us are conditioned to think that all risk is bad. We hear about putting our money where it can grow “risk free.” The reality, though, is that risk isn’t always a bad thing. Indeed, […]

Building Income by Investing in Dividends Stocks

Building Income by Investing in Dividends Stocks

Often, when we think about making money through investing, we think about picking the right stock, and then watching as it goes big, resulting in fantastic capital appreciation. Or, perhaps we think about choosing a solid […]

3 Things to Know Before You Invest

It is generally accepted that if you want to be able to grow your wealth more effectively — especially if you want to retire some day — you need to invest your funds rather than sticking […]

CD Laddering: The “Frugal” Way to Build an Emergency Fund

The importance of a fully funded emergency fund can’t be overstated. A rainy day fund acts as a safety net when unexpected expenses arise, and it gives you freedom from living paycheck to paycheck. The problem […]

Roth IRAs Information for Beginners

If you are new to investing, or even just getting your personal finances in order, chances are good that you have heard of a Roth IRA. Just about every talking head on TV says you should […]

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Disclaimer and Legal Mumbo Jumbo

I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

In accordance with FTC guidelines, I state that I have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

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