Smart On Money

Personal Finance Basics: Pay Yourself First

July 22, 2010

Personal finance can seem like such an amazingly complex topic at times. There are so many things to think about with financial management including budgeting, saving, investing, credit, debt, mortgages and so much more. Each topic has sub-topics – and it feels like it could take a lifetime to figure it all out. It can [...]

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Roth IRA Withdrawal Rules

July 20, 2010

The Roth IRA is an investment option that I love because of it allows your money to enjoy tax free growth and for the diversification it can bring to your tax situation at retirement. It can be great to have some tax free investments like the Roth in addition to pre-tax investment types like a [...]

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Keep It Simple Stupid: Sometimes We Make Things Too Complex

July 15, 2010

One thing I’ve realized over the past few weeks is just how complex we as human beings like to make things, even when they could be so simple. We love to take things that really are pretty basic and easy to understand, dissect them and turn them into something more complex, and harder to understand. [...]

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Deadline To Close On Your Home And Receive Your Homebuyer Tax Credit Extended To September 30th

July 14, 2010

Last month I wrote about how congress and the White House were considering extending the $8,000 and $6,500 homebuyer tax credits. At the time it wasn’t a done deal that an extension would be granted because the provision was being included as a rider on a controversial jobs bill that wasn’t sure to pass both [...]

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Dave Ramsey’s 7 Baby Steps: Step 7 – Build Wealth And Give!

July 13, 2010

In the last post we talked about Baby Step 6, where Dave Ramsey suggests that you pay off your home early. We looked about both sides of the argument, talking about how a paid off house can give you freedom, and allow you to save, invest and give more. We also talked about how some [...]

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Save Money On Hefty Hospital Bills Simply By Requesting A Discount

July 9, 2010

The past couple of years have been tough ones at our house, and we’ve ended up spending weeks in the hospital for a variety of surgeries, births and other medical issues. We’ve been spending a lot of money on our family’s health care costs. In fact, if we hadn’t had health insurance we probably would [...]

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Do You Suffer From George Costanza Wallet? (AKA Thick Wallet Syndrome)

June 28, 2010

Over the years I’ve gone through different patterns in my financial life. I have the times where I’m dutifully following our family’s budget, and constantly keeping track of what is coming in, and what is going out. I’m on top of things. Then there are the times when I just don’t stay on top of [...]

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Dave Ramsey’s 7 Baby Steps: Step 6 – Pay Off The Home Early

June 25, 2010

Baby Step 6: Paying Off Your Home Early In step 5 Ramsey talked about your options for saving for your children’s college education. While I think it’s a good idea to get your kids involved in helping to pay for their own education, I’m not against giving them some help as well. I think you [...]

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Roth IRA Basics

June 24, 2010

Today I want to do a quick post on the basics of the Roth IRA. I’ve done several posts on them previously, but all on a specific point about Roth IRAs, including the 2010 Roth IRA Conversion. Today I’ll bring it all together in one comprehensive Roth IRA post. What Is A Roth IRA The [...]

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How To Watch TV For Free On Your Xbox 360, Playstation 3 Or Wii Using PlayOn Media Server

June 22, 2010

A couple of weeks ago I wrote a post about how you can save money on your cable or satellite TV bill by just cutting them off, and watching your favorite TV shows and movies online, and on your TV via a game console or other networked media player. While just telling you that you [...]

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10 Ways To Save Money When You’re On A Tight Budget

June 21, 2010

The economy has been in a tailspin these last couple of years, and many people are finding themselves either unemployed or underemployed. We all need to make sacrifices at times in order to make ends meet – but sometimes it can be hard to come up with new ways to save. Today I thought I [...]

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What Are The Different Ways Of Investing Your Money?

June 18, 2010

This guest post comes from PT. Learn more about investing and see reviews of the best online stock brokers at his blog, PTMoney.com. If you have a few extra dollars lying around in your budget after you pay all your bills and do some basic saving, you may be wondering what to do next. You [...]

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