Is Budgeting Keeping You Poor?

personal-budgeting

It was the budget, with the spreadsheet, in the library–That’s who killed your finances. The dictionary defines a budget as “an estimate, often itemized, of expected income and expense for a given period in the future.” Budgeting, the quintessential money management tool, should identify where we spend our money so that we can make better […]

Published or Updated: June 27, 2012

Beware of Bank Overdraft Protection Fees

overdraft-protection-plan-fees

Bank overdraft protection programs, at first glance, seem like a great safety net to have in place. Should you overdraw your checking account, an overdraft protection plan can kick in to cover the shortage. And because the bank cleared the check, you avoid insufficient funds fees that can hit $35 and the embarrassment and headaches […]

Published or Updated: December 8, 2011

10 Tips to Declutter Your Finances

simple-personal-finance

Lately I’ve become overwhelmed with clutter. Everything from my office to my home to my finances is filled with unnecessary stuff. And all this stuff creates stress and reduces efficiency. Just the other day my wife and I spent one hour searching for two bills that, as we eventually learned, were at the bottom of […]

Published or Updated: March 22, 2012

Google’s Tip Jar–Vote for Your Favorite Money Saving Tip

Goolge just recently launched what it calls the Tip Jar. The Google Tip Jar is a collection of money saving tips that are ranked by the web community. You can submit your own tips and vote for your favorites. This past December, before Tip Jar was launched, I received an email from a product manager […]

Published or Updated: December 8, 2011

70 Government Websites About Money You Should Bookmark NOW!

Government websites provide a wealth of information about money related topics. But finding what’s out there can be a chore. So this resource provides links to 70 government websites about everything from finding a job, to buying a home, to paying for college.

Published or Updated: April 9, 2014

How to Set SMART Financial Goals

There is only one thing worse than not setting financial goals–setting ineffective financial goals. A perfect example of a worthless goal is, “I want to achieve financial freedom.” While it may sound good, we don’t know what financial freedom is, so how will we know when we have arrived? A slightly better goal is, “I […]

Published or Updated: August 30, 2014

How Smarter Money Management Can Make You a Cool $826.75 in 10 Minutes

This post is a story about how I made $826.75 in about 10 minutes this morning, and more importantly, how you can, too. This post is also about following the Dough Roller on Twitter, but more about that in a moment. Let’s first get to the money part of this post, which is an example […]

Published or Updated: September 6, 2014

How to Avoid the Infuriating Cost of Disorganization

cost-of-disorganization

Note: This post comes from my darling wife, Mrs. Dough. A few years ago, I was in charge of filing the insurance claims for our family. Somehow, slowly, DR took over. This was probably because he had the forms at his office and they would occasionally change and one day he offered to take my […]

Published or Updated: April 9, 2014

How to Survive (and Thrive) in a Recession

surviving depression

Make no mistake about it, a recession is here. While we do not know how long or painful it will be, we do know that it has the potential to be the worst financial crisis any of us have ever lived through. The stock market has lost more than 20% in the last 10 trading […]

Published or Updated: February 14, 2013