photo by luminais Frugalitarians have many small habits. Some of these strategies don’t necessarily save much money. They might seem silly or insignificant to others because of the time spent doing them, too. But the fact is that these decisions reflect the creativity and determination by penny pinchers (called this for a reason) to be […]

11 Dumb Ways to get in Debt There are many dumb reasons why people fall in debt, such as medical issues, school, starting a business and purchasing a home. Some situation you do not have much of choice and the debt is for a good reason, for example if you get in debt due to […]

A few days ago, I had lunch with an individual who is considering hiring me to give a multi-hour seminar to a business convention on personal finance. This person knows me from the local community and is a reader of The Simple Dollar and he felt that I might be the right person to give […]