Live
Confession: I’m a serial returner.
I do it at department stores, cosmetic stores, Costco, and Target. Here’s how the psychology works for me: Instead of hemming and hawing about whether I can afford/need/want something, I just buy it. Or rathe...
Earn
In this recent post for The Grindstone, I asked women some hard questions—questions that challenge notions of "feminine ideals,"e.g., surrendering investing responsibilities to someone else and idealizing full-time motherhood over self-suffici...
Earn
Prenuptial agreements have a bad rap. Many couples consider them distasteful and unromantic at best—bad karma at worst.
The truth is, a prenup is less like a roadmap for divorce, and more like insurance. A good prenup insures that if you did face a ...
From Our Partner
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Summer is just 33 days away. Prep for a season of fun in the sun by getting gorgeous—from the inside out.
Make a savvy move that benefits your we...
From Our Partner
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What happens when a credit-card company gets creative—even entrepreneurial? A new kind of card emerges: one that’s simple and innovative. One that gi...
Earn
It’s been a few weeks since I started my Livin’ the Dream journey, and so much has happened.
This past weekend, I attended The Makeup Show in New York City, which included educational seminars for both technique and business. I learned t...
Live
How much do you hate standing barefoot and beltless in an airport security line, waiting to submit to inspection by a “porno scanner”?
Now you can “upgrade” to a new express route through security, bypassing the hassle.
The Tra...
Spend
Hundreds of you requested more recipes recently, and who are we to deny you?
Sign up now for DailyWorth’s new once-a-week recipe edition, featuring fast, healthy, and affordable food for you and your family.
For now, here’...
Planning
Victoria Chou has 25+ years of experience importing, exporting, and distributing hosiery throughout North and South America. Here’s how she finds factories.
Look at barcodes of products similar to yours. Search the UPC or EAN number online t...
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You want to earn more, save more, and spend smarter. You’re building wealth, day by day and choice by choice.
Here’s one really smart choic...
From Our Partner
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Summer is just 36 days away. Prep for a season of fun in the sun by getting gorgeous—from the inside out.
Make a savvy move that benefits your we...
Earn
A month ago, I began my quest to do informational interviews with 20 people a month. It would be an understatement to say I got off to a slow start.
The first three weeks yielded one awkward conversation with a friend’s former employer, a...
Live
BB creams (which stands for “beauty balm” or “blemish balm”) are hot!
Do you really need to buy a new beauty product? If doing so can actually save you money and replace products you’re already using... well, yeah....
Spend
How much do I hate my grocery bill? Enough that I’m constantly reading cost-cutting tips. It’s my hobby (and cheaper than quilting or golf).
My fave find this week: Frugalhacks! Here are two tips, run through my own “would I really do th...
Spend
Most of our moms and grandmas have passed on brilliant—even life-saving—financial tips and tricks. (Who else reuses gift bags and Cool Whip containers thanks to Nana?)
Of course, they’re only human…so many of them have passed down...
Earn
Like many women, Isabel, 64, was raised to believe bragging was bad manners. But after jumping back into the job market in Tallahassee, FL, recently, she realized that being polite was holding her back.
“I have been told by interviewers that I need ...
Sell
Yang Yang, 29, is the founder and CEO of AMIclubwear.com, with $40 million in yearly gross profit and 1.4 million unique visitors per month.
The key to her success is cost per acquisition(CPA)—how much you spend to bring in each new customer. Yang d...
Earn
I work for one of the most empowering all-female companies in America. But when I told my boss I was pregnant, my heart was racing.
I knew DailyWorth would be supportive. But the fact is, there are no guarantees when it comes to maternity leave...
Inspiration
An open letter to husbands and partners this Mother’s Day:
Save your money. Keep your perfume, tulips, the over-priced cards, and even the breakfast in bed. (Because guess who ends up changing the crumb-encrusted sheets?)
What we moms real...
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Earn
Hello DailyWorth! My name is Molly, and I’m a Special Effects Makeup Artist—in the making. I’m two years out of college balancing my 9 to 5 job with lessons, practice, portfolio building, and networking.
I first got inter...
From Our Partner
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What if your credit card could be simple—and truly make your life better? What if you could have a say in how it evolves over time, and even share its...
Inspiration
Ever tried to build an online business? Not as straightforward as you thought it was going to be, eh?
Before starting DailyWorth, I launched multiple Web properties. Some never made a dime, and others generated a few thousand dollars a month—but I c...
Inspiration
It feels funny to brag—uncomfortable, impolite, even obnoxious. Many women I know tend to downplay their success, even among friends.
This shrinking-violet stuff is nonsense.
Don’t be scared to celebrate your victories out loud. It’s...
Investing
Thinking about buying a second home? The time is right. Sales of investment homes surged "an extraordinary 64.5 percent" in 2011, according to the National Association of Realtors.
If you’re wondering which markets offer the bes...
Save
You know what makes me feel like a million bucks? My curveball account.
What’s a curveball account—as opposed to an emergency fund, or run-of-the-mill savings?
A) It’s for surprise expenses; B) it’s not for emergenci...
Inspiration
The trajectory is blown to hell. I knew it, but I’m finally saying it out loud.
Pre-2008, my husband and I were on that upward path. Based on our education and earnings, we bought a beautiful house, two cars, traveled to far-flung places and indulge...
Earn
Hi, my name is Sarah, I have three daughters (3, 6, and 9), and I work part-time designing and selling knitting patterns. But while I've had some success—I’ve been published in several magazines, and I'm editing a book of patterns to ...
Profiles
An interview with Monique Greenwood, CEO of Akwaaba Mansion bed & breakfast in Brooklyn and other East Coast inns.
What inspired you to open Akwaaba?
Akwaaba tapped into all my passions: decorating, entertaining, and real-estate investing. When we o...
Spend
May is here, and it’s time to get outside—and on the way, pick up a few this-month-only bargains.
SWIM & PLAY
That’s why there are deals to be had on both swimwear and outdoor athletic gear this month&m...
Inspiration
I’ve always known that I didn’t want to have kids. When I was a teenager, my friends would talk about getting married and wanting a family. Those comments would never resonate for me.
Today, I’m raising a business that I’m super pa...
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Inspiration
Will the craziness never end? In the middle of more dim news from Europe, plus our own so-called recovery, a new report finds that Uncle Sam is less than bullish about contributing to your retirement.
Fantastic. But…[grinding sound as MP shifts int...
Build
Opposites attract. We accept this idea in dating, but in business, too, you need people who balance you out. Just ask these three entrepreneurs.
April Rietjens Sedall, Personal Office Management
“When we realized our more tech-savvy clients wanted...
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Money Fix 4
Money famously causes more fights than any other topic. But often, the problem isn’t what's in your bank account—it’s about underlying relationship issues.
In this upcoming season of the Money Fix, a duo of financial and relationship...
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Investing
Clink! MoreWorth’s casual correspondent, Alison Brower, discovers dollar-cost averaging, Over Drinks with Joy Marcus, Venture Partner, DFJ Gotham Ventures.
When I first started investing on my own—in addition to my 401K—I was young, sing...
Earn
“The Liz & Jny Show,” which airs weekdays on the online finance network TastyTrade, ditches the classic CNBC model of the screaming bald guy—and delivers a fresh (and, yes, sexy) take on investing.
Not only are co-hosts Liz Dierking ...
Spend
Grilling season kicks off on Memorial Day. But there’s pink slime in the hamburgers!
The idea that you could be eating up to 25% “lean, finely textured beef” (a.k.a. LFTB, a cheap filler made from ammonia-treated beef trimmings) isn&rsqu...
From Our Partner
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The best top in your closet is versatile, comfortable, and stylish—for less than $30.
Find all four must-have qualities in the Ashland T, our Sty...
Sell
So how can you avoid unrewarding clients and projects in the first place? I asked my brilliant Twitter friends for their personal red flags:
@sarahjbray knows it's time to run when a potential client says, "It should take no time at al...
From Our Partner
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You know that thrill you get when you discover the amazing must-have product you’ve been searching for? How about that spine-tingling sensation that c...
Retirement
Imagine you’re about to retire and you’ve got a nice little nest egg saved up. (Way to go!)
Obviously, you want to keep as much of your hard-earned cash as possible, while surrendering as little as possible to the IRS upon withdrawal. That&rsq...
Live
I’ve always believed in giving back. I’ve ladled soup for the homeless, sung for the elderly at nursing homes and run/walked more than I can remember. But now that I’m, ahem, older, I want to give—and get—more.
So I join...
Budget
Suppose the first thing your boss says to you tomorrow is, “Clean out your desk.” Any idea how you’d manage?
Time for a financial fire drill: Imagine paring down your current expenses and creating a plan to cover just the basics.
&ld...
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As an entrepreneur, your time is precious—that’s why you need a go-to top that looks stylish and pulled-together for any occasion.
Enter th...
Build
Ten years ago, business lawyer Nina Kaufman went from running her own shop to joining a limited-liability partnership. She was thrilled…until April 15 arrived, and with it, a $20,000 tax bill.
Turns out, she should have been paying quarterly estima...
Spend
You’re on a budget and pressed for time. But that doesn’t mean you can’t eat well.
This easy, inexpensive weeknight meal balances seasonal greens with the dense deliciousness of cheesy corn cakes.
Do you want more easy and affo...
Investing
Few of your favorite products are made in America, as you know. You may buy cars from Japan or Korea, or trendy hair products from Morocco.
Given the investing credo, “Buy what you know,” consider the international opportunities that are...
Spend
What do raincoats, vacuum cleaners, and used cars have in common? They’re all on sale this month!
April showers bring a once-a-year flood of rain gear to the market, and retailers have to move it quickly. Wade into the store before the sun c...
Save
Saving money is its own reward. But that doesn’t have to be the only reward.
Three participants in the Mint.com “It’s an Emergency!” savings challenge set up Mint accounts, and just won a tidy sum for their heroic savings eff...
Save
Did you know that talking to other women can help you earn more, save more, and spend smarter?
OK, Harvard is still gathering data on that front, but we’ve launched the new DailyWorth Reader Forums because every day we see how women thrive when they...
Profiles
An interview with Renee Greenstein, designer of the clothing lines Attitudes by Renee and Women with Control, a bestseller on QVC.
What did you do to differentiate you clothing lines from what's already out there?
Style is all about attitude, not si...
Budget
Every year at this time, because of the inevitable confluence of Easter and tax day, my inner Catholic gets resurrected, big time.
This year’s guilty, post-itemizing revelation: What the hell happened to our budget, and where did all ...
From Our Partner
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The perfect pump has to be classic yet stylish, comfortable, and versatile.
Yes, it’s elusive—but we’ve found it. It’s ca...
Get
When Facebook goes public in the next few weeks, Chief Operating Officer Sheryl Sandberg, 42, will likely become the newest member of the billionaire’s club.
Her brilliance and creativity had something to do with it, but how she managed her ma...
Budget
Wedding season is upon us, and my boyfriend and I have been invited to seven this year.
A potential budget crisis? Definitely. But I couldn't find a good planning tool to help. So I made my own.
I priced out an entir...
From Our Partner
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Spring cleaning isn’t just about mopping and dusting—it’s the perfect opportunity to clear the money clutter and take charge of...
Planning
Attorney Maia T. Spilman launched her own practice in 2001. At first, she loved working from home. But soon, one file cabinet grew to four, her fax machine rang through the night, and anytime friends came over, there were confidential papers to hide. Plus, sh...
Earn
If your tax refund (or bill) wasn’t quite what you expected, the problem could be that you claimed the wrong number of allowances on your W-4.
Tax expert and CPA Kasey Pittman offers some guidelines on claiming the right number. It’s a five-mi...
Live
What’s the ROI on that bag you’re about to buy?
Most women think of the dividends their handbag might yield in terms of looks and style. But an investment bag—a real power bag—can also return some of the hundreds (or thousands) you...
Spend
A badly-maintained car will cost you a little now—and a lot down the road. Lori Johnson, president of Ladies, Start Your Engines!, offers this advice for savvy car care that will save you money:
Open the glove compartment. Your owner’s...
Inspire
At CreateWorth, it's our goal to help you reach yours. The best way to make that happen? We need to know more about you and what you hope to gain from CreateWorth.
Please take a few minutes to answer our short reader survey--and we’ll be a...
Save
Maxing out your IRA or 401k simply means that you contribute the maximum amount allowed in a given year.
What you really want to know is why maxing out makes a difference, right? Right.
Let’s say you contribute $2,500 to an IRA ...
Sell
When I was 21, I had the good fortune to attend the Social Venture Network conference, a membership group of hundreds of CEOs committed to building socially-oriented businesses that value social change alongside profits. The cost of SVN seemed extravagant at ...
Save
Death is a fact of life. So why do so few of us plan for it? Nearly two-thirds of Americans haven’t done even basic estate planning, according to a recent Forbes article. Thankfully, my father wasn’t among them.
As I discovered after he died, ...
Get
Here’s a confession from a breadwinner wife: I’ve been guilty of referring to my own hardworking husband as a stay-at-home dad—when he’s not.
My husband has worked part-time, consistently, since our son was about six mon...
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Spend
No one is happier than this mom about the hot retro trend, back to the old-fashioned, “sit up straight and eat your peas” style of parenting.
I rejoice with every new sign that so-called helicopter parenting is dying—to wit, the arrival ...
Build
Three CreateWorth readers reveal what they pay themselves and why.
Joselle Ho, Miso Media
Salary: My two co-founders and I each make $65,000-$70,000. We started when we went from bootstrapped to funded, a ye...
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Spring is here! Time to pack away winter and let the sunshine in.
Wear the colors of the bright spring sky: join JewelMint free and sn...
Spend
You’ve heard the horror stories: parents shelling out $30,000 only to watch their kid drop out of school, college grads with debt in the six figures and no job prospects.
Is college still worth it?
The average student now leaves college with $25...
Investing
Brazil: the land of Carnival, white sand beaches, World Cup soccer—and the world’s sixth-largest economy, ripe for investors.
Brazil’s economy is one of the fastest-growing in the world—especially after recent government reforms. A...
Real Stories
I spend $240 a month for my sons’ piano lessons—$30 per lesson, per kid, per week. It’s a competitive rate for our area, and I love our teacher’s approach. Translation: Even when the $240 is a strain, it has value—for us.
But...
Loans
You’ve heard the news: thanks to a national mortgage settlement five major banks will pay out $25 billion to help troubled borrowers in 49 states.
The question is whether you’ll reap any of those benefits. Use this guide to decide—and pl...
Profiles
Twelve years ago, Danielle Paletz saw what her boss was doing and thought, “I can do that.” And she did.
First, she successfully made the leap to founder, launching the staffing recruitment firm iQuestPartners in New York City. Clients n...
Live
We would love to get your input on MoreWorth, our executive women's edition. Now officially three months old, MoreWorth is thriving and growing, and it's time to get to know more about you, our awesome subscribers, and more about what you w...
Money Fix 3
This season’s Money Fix has been a wild success. In just about two months, the Goal Getters saved a total of $3,000. How awesome is that?
Here, they share their most powerful lessons learned:
Michelle says: Get a b...
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When it comes to the stock market, there’s no such thing as a guaranteed major payoff (dang).
But when it comes to being a savvy traveler, a little investing sense goe...
Investing
Ever wonder why you didn’t invest in Google (or some other start-up) way back when and cash out?
Put simply, you couldn’t. But you can now, thanks to a key feature of the JOBS Act.
Investing in start-ups has historically been reserved for ...
Save
Michael Pollan condensed all the literature about healthy eating into one simple mantra: “Eat food. Not too much. Mostly plants.”
Jean Chatzky took the simpler-is-better idea, multiplied it by 94, and published “Money Rules,”...
Sell
If your entire market of customers bought your product, how much money could you make?
Execs call this your TAM, or "total addressable market."
Last year at Spark and Hustle, we met up with Gloria, an entrepreneur developing exercise DVDs ta...
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Budget
File it under “facts I wish I’d known when I was 30.”
You need a little pot of money stored away for when your parents age—especially if you’re a woman.
Some two-thirds of caregivers are female relatives, and I’m no...
Planning
Clink! MoreWorth’s casual correspondent, Alison Brower, learns why liquidity matters, Over Drinks with Laurie C. Kamhi, SVP, Merrill Lynch Private Banking and Investments.
When I walk into a client’s office, I tell them, “I don’t c...
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Earn
Everyone wants to save money on their tax bill. But nearly two-thirds of taxpayers never itemize their deductions—a move that could add up to giving the government free money.
If your itemized deductions are more than the standard deduction, you&rsq...
Money Fix 3
I know we’ve made progress, but there is a long road ahead.
Halfway through this Money Fix, the obvious dawned on me. My worries about not having an emergency fund were moot. Until my husband and I get our day-to-day budget balanced, there sim...
From Our Partner
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It’s official: spring is here. Lighten up your look at work (and on the weekends) thanks to OpenSky’s best discoveries this season.
OpenSky is your source for must-have spring shoes a...
Planning
Justine Lackey made a mistake by hiring a girlfriend. “Working together was the end of our friendship. No sooner had I paid her than she started to miss deadlines and stop returning emails,” says the founder of Good Cents Bookkeeping.
Hiring f...
Budget
Photo Source: USA Today
This has been a big week at the Supreme Court, as justices heard arguments relating to the Affordable Care Act, which was signed into law in 2010—but is now being challenged.
At the core of the law is the “ind...
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Planning
Want to avoid the Alternative Minimum Tax? We don’t blame you.
Alas, we Googled around, interviewed experts, and learned… there ain’t nothin’ you can do about it.
The AMT is a “parallel tax” that was created ...
Money Fix 3
Greetings DailyWorth Ladies!
The past couple of months have been very eye-opening for Will and me—I am amazed at how much we spend now that we have the ability. Because of this wake-up call, we have already made quite a few changes to the way ...
Profiles
Kate Gatski is the co-owner of Gatski Metal. She and her husband make furniture and sculptures with reclaimed materials.
How have you turned your art into a profitable business?
We started in 2003 using holistic resource management, a method of making c...
Real Stories
When I left my tax guy’s office on March 14, I tweeted that I loved him. I did—in the pure, giddy way that you love someone who tells you that you’ll be $1,500 richer in a week.
The only question: What was I going to do with my refund?
...
Planning
You’ve consulted with your adviser about your portfolio and estate. Now it’s time to talk about an issue you might not have considered: an integrated insurance plan.
“Too many people believe that a financial plan is about saving and inve...
Save
You’re so lucky: Depending on what kind of heating fuel you used this winter, you probably saw your bill drop by 5% (for electricity), almost 9% (for propane), and 13% for natural gas.*
But did you snatch up that extra windfall each month?
We ha...
Money Fix 3
When we last left off, I was thinking about implementing the “50-30-20” budget (50% of your income goes to needs, 30% to wants, 20% to savings). Well… that hasn’t happened yet. I’m currently on the “80-10-10” budget:...
Sell
Devising a pricing strategy? Let’s go back to class. Math and psychology, specifically.
Create a formula
Designer and craftswoman Megan Auman uses a formula to determine the minimum to charge:
Materials + time/labor + expenses + profit
...
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Nothing says “SPRING!” quite like stepping out in a stunning pair of heels—iconic Christian Louboutins, to be exact. Which could be yours free when you join Ope...
Save
Today’s “It’s an Emergency!” saving tip: Stop scrimping and score yourself a mini windfall.
Here are a few fun ideas for a $100 savings bump this weekend:
Get paid to run to the post office, organize a closet, or b...
Live
Want to own a million-dollar condo—with luxury hotel amenities—at a fraction of the cost?
You may want to check out fractional ownership—a less expensive option to owning a vacation home: think of them as high-quality timeshares. &n...
Money Fix 3
Hello again, DailyWorth readers!
I’m soooo excited to report on my Money Fix progress.
I feel like there’s a party in my bank account because I am WAY AHEAD of goal—I’ve already socked away $1,350 in my emergency fund. It&rsquo...
Planning
Helen Lo had recently retired and was loving retirement's greatest perk: time to travel.
“But air travel quickly became a hassle. Like most women, I was carrying a loaded purse, which aggravated my back and neck issues."
And so Lo...
Earn
This week’s TIME cover feature explores an amazing phenomenon: Women could soon outpace men as the primary household earners.
What they’ve missed is the powerful story within this trend:
Female breadwinners may be on the rise, b...
Live
Cosmetic procedures continue to gain popularity, despite the downturn.
One of the most common reasons new patients give for polishing their appearance: To give themselves an edge in the job market.
Although one study shows that your looks can increase...
Earn
Too glued to your smartphone to sit down and do your taxes? We tried out two free tax filing apps for you:
SnapTax by TurboTax
No kids, real estate, or investment income? SnapTax will help you “magically” file a 1040EZ using a snaps...
From Our Partner
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Accessories are at the fashion forefront this spring, with trends like bold tribal prints, florals, and statement earrings. Get the most in-demand looks—without busting your bud...
Money Fix 3
Michelle’s Story
"Not only are we living paycheck to paycheck, my husband and I simply don’t have a plan—for the present or the future. And with three growing kids, we need one!"
Liz Pulliam Weston stepped in and helped us ...
From Our Partner
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It’s time to pack away the butt-kickin’ boots you’ve worn all winter—and step into a CEO-worthy spring shoe collection from ShoeMint.
ShoeMint is a free, ...
Spend
Can you think of a better way to spend $25,630 (the price of the average wedding)?
We can—and apparently, so can many other engaged couples, who are saving a bundle by buying used. Take care of your “something old” by shopping here:
...
From Our Partner
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After five long days of blouses and blazers, come Saturday, nothing beats pulling on a comfortable, perfect T-shirt. Now, thanks to StyleMint, that chic war...
Planning
You talk a good game about hiring a financial planner. But do you know what you should discuss—or how often you should meet—with your adviser?
“Women tend to think differently about money than men,” says Susan J...
Profiles
Laurel Touby is the founder of mediabistro.com, which serves up news, job listings, and classes to media pros. She sold her company for $23 million in 2007. We caught up with Laurel at SXSW Interactive.
Why did you start mediabistro?
It started as a sal...
Money Fix 3
Hello DailyWorth! My name is Kara and my husband, Will, and I are planning to start a family. We are equal parts excited and terrified. While we know we can’t plan for ALL the ways having a baby will change us, we can anticipate some of the financial ne...
Sell
Here's my sales tip rant for the day: Respond to your sales prospects in the way they've requested.
If they ask for more information, email it. If they ask for a reference, send it. If they say, "Please email me, don't call me," ...
Spend
You save money, you spend money (wisely, natch). Now it’s time to level up—and collect some easy rewards for your smart habits. After all, we’re building wealth here.
Boost savings. SaveUp gives you credits for making smart money...
Get
Introducing Over Drinks: MoreWorth sits down with top execs you need to know..
Today, Dee Poku, co-founder and CEO of The WIE Network.
A few years ago, I walked away from a high-level marketing position in the film industry—...
Save
In case you needed more evidence of the mysterious connection between dieting and budgeting… I’ve been chatting with friends about some neat DIY food tricks that save calories—and cash.
#1: Why buy overpriced microwave popcorn when you ...
Money Fix 3
Hi, I’m SaVanna, and I’m three months away from graduating with a Bachelor of Science in nutrition and dietetics. Although I’m technically an adult, I still feel like a kid when it comes to my finances.
I depend on my parents for the maj...
Planning
Let's say you've launched a digital wedding-invite business, and $250,000 in investment capital would accelerate product development and customer acquisition.
If you think you’re ready to raise capital, here are three questions to ask ...
From Our Partner
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What if you could double your emergency fund? When you join the It’s an Emergency! challenge, you could win $1,000 from DailyWorth—just for savi...
Save
Tip #3 in the It’s An Emergency! savings challenge is sneaky:
Avoid having emergencies.
Step 1:
Sit down and have a scary brainstorming session with yourself or your partner. What things could possibly go wrong that you can predict? Thin...
Investing
Facebook is preparing for its IPO later this spring and everyone is talking about what the company—and its stock—are really worth.
Personally, I can sum up my feelings about Facebook in one word: ambivalent.
I’m not alone: Some analy...
Money Fix 3
Hi DailyWorth Readers!
I’m a divorced single mom, and while living on half of my former income I’ve depleted my savings and spent my way into a hole—one handbag and deluxe mani-pedi at a time.
I had been playing the shell game ...
Planning
Entrepreneurship can feel like an illness—working day and night with big vision, but little cash flow. Some businesses work. Some don't. At a certain point you have to decide: Is my business thriving or do I need to make a major change, or even fold...
From Our Partner
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Bills are due! Time to gather up scattered paper statements, search through emails, and open six browser tabs to check all your balances and due dates.
Sound familiar? Mani...
Partners
Are you stressed about money? You’re not alone.
Even though the economy is showing signs of recovery, the day-to-day is as challenging as ever for millions of women.
We want to help. DailyWorth is partnering with SELF magazine to tell the ...
Live
Frequent flyer miles. Hotel rewards. Credit card points. The more you have, the more perks you get.
To amass as many points as possible, Brian Kelley, a.k.a. The Points Guy, shared some insider tips.
Earn while you eat. Register your cred...
From Our Partner
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Earn
Getting a fat refund check from the IRS can feel like winning the lottery—but luck has nothing to do with preparing your tax return.
To help you make the most of your deductions this year, here are some Dos and Don’ts from personal finance mav...
Planning
Like you, I want to feel that my money—and my time—is well-spent. That’s why I love discovering (and sharing!) little gems that make me feel like I’m getting more every day.
I started saving money for my a...
From Our Partner
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Yes, it’s still chilly outside, but spring is right around the corner—time for fresh starts and new opportunities.
Maybe you want to renovate your home, cover medical expen...
Save
I feel lucky this month. Lucky to be editing DailyWorth, fortunate to have readers like you—and excited that “Get Lucky” is the theme for March.
Want to know one of my lucky secrets? Hint: It’s not because I’m Irish.
&ldq...
Inspire
You have valuable information you’d like to share with the world—and you’d like to make money from it.
Digitally self-publishing shorter-form content—e.g. ebooks, reports, PDFs, and other products—is not only faster than...
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How to build a secure financial future...
invest with Great Clips.
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Earn
Time is money, they say—and that’s especially true when it comes to getting those pesky financial chores done and done.
We want to help.
Here, a handy money chore reality-check chart to give you an accurate idea of what's involved, and...
Investing
Your money reflects who you are. You buy organic, recycle, and generally try to live a good life.
You want your portfolio to reflect those ethics.
But investors who want to add “doing good” to their returns have to be savvy, even when cons...
Spend
Sometimes I go to the dollar store. After all, sometimes you need a mop bucket. But suddenly things start jumping into my cart. Books, an apple corer, a bag of gingersnaps.
Yes, there are some deals. I’ve even bought underwear: Hanes “slightly...
Planning
Women-owned businesses employ more than 7 million workers, generate more than $1 trillion in yearly revenue, and are growing at more than twice the rate of businesses overall. Clearly, we rock.
That’s why the White House introduced the Women-Owned S...
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National
...
Money Fix 3
The readers you're about to meet are a lot like you. They have goals. They need money to reach them. But it’s not easy...
...or is it?
Four experts are about to transform the lives of four DailyWorth readers—and you’re coming along fo...
Get
Mean girls get ahead. Nice girls don’t get rich. The bitch in the corner office.
All those old cliches about women with power: Do they hold a grain of truth?
Certainly, uber-successful, nasty women dominate TV (hello, Kelly Cutr...
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Work
Are you dying for a new job, a bigger paycheck, a more fulfilling career?
Join the club—really. Starting next week, you could be Livin’ the Dream.
Tell us your story, and you could be one of three DailyWorthers chosen to work with&nbs...
Real Stories
I’m the financial planner in my house. I handle my husband’s 401k, I have an excellent credit record, and I know where every dollar of my paycheck is headed at all times.
So how is it possible that I have no idea what’s in my own i...
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Every dollar counts when you’re building a business—you can’t afford to be part of the 50% of Americans who say they’d struggle to c...
Debt & Credit
How big a difference does a higher credit score make, really? Let’s crunch some numbers--with help from Frank Donnelly, CFP, President of the Mortgage Bankers Association of Metropolitan Washington.
Susie and Jane each take out a $200,000 mortgage (...
Profiles
An interview with Noha Waibsnaider, founder and CEO of Peeled Snacks, sold nationwide in Starbucks, BJs and Duane Reade.
Why did you start Peeled Snacks?
I grew up partly in Argentina and Israel, then moved to the U.S. when microwaved and processed food...
Debt & Credit
This is part three of an ongoing series about being financially prepared for a divorce. Read part one here, and part two here.
You’ve embarked on your divorce; now the next step is to figure out the settlement.
Under the laws of your state, whic...
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Bills are due! Time to gather up scattered paper statements, search through emails, and open six tabs to check all your balances and due dates.
Sound familiar? Manilla. (You ...
Live
Remember when Victoria’s “Secret” came out last December? The lingerie company had been buying cotton for its “fair-trade, organic-cotton” underwear line from a farm in Africa that used child labor.
This infuriated customers ...
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Bills are due! Time to gather up scattered paper statements, search through emails, and open six tabs to check all your balances and due dates.
Sound familiar? Manilla. (You ...
Save
Studies show that social support helps you live longer and lose weight. Now imagine what some pal power can do for your financial goals!
Tip #2 for the It’s An Emergency! Savings Challenge: buddy up.
The Why
Not only will securing a money budd...
Sell
Today’s advice pertains to service, advice and project-based businesses.
Sales has little to do with what a smooth-talker you are. It’s a numbers game.
Start by learning the language of sales, starting with pipeline. In its simplest form, ...
Real Stories
You’ve heard about the Greek debt crisis and the riots in Athens. But you may not realize that what happens in Greece could strike a lot closer to home.
ηθοποιός (the actors)
Greece is part of the 17-nation...
Get
I was hooked by Downton Abbey for all the usual reasons: gripping plotlines, gorgeous clothes, Maggie Smith.
But I became obsessed with the hit PBS series because of its depictions of female financial life, barely a century ago.
Mining a British costu...
Debt & Credit
What happens to that stellar score if the man of your dreams has nightmare credit?
Nothing—at first.
Getting married alone doesn’t impact either of your credit histories; your reports and scores remain separate (even if you change your nam...
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What would you give for high-end, science-driven skincare products that actually deliver on their promises?
When you join BeautyMint, all you give is a few minutes—and far ...
Real Stories
I was living the dream: a six-figure income, beach vacations, and a growing savings account—all before I was 25.
And then my husband and I split, and I woke to the realization that half of us had no career, no savings, and basically no idea. My hal...
Build
One of your employees announces that she’s engaged, and you take her and the office out to lunch to celebrate. In the evening, you take out your business partner to celebrate the company’s one-year anniversary.
Both of those count as business...
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Save
We want to make every email we send as useful, fun, and empowering as possible. You’re so important to us, and the more we know about you, the better our emails will be!
So I want to ask you a small favor that will make your DailyWorth experience m...
Planning
You like being on top of your game, but staying on top of your financial plan may require some additional expertise. Here’s how to get what you need:
Know what you want. A financial planner helps you create a road map for your financial future. A f...
Earn
Despite the roiling debate over the new health care law, which would offer greater insurance coverage for women’s birth control, one vital point is largely being ignored.
We’re referring to the outcry over the Affordable Care Act, in case you...
Profiles
We talked to Andrea Miller about YourTango, the digital media company she launched in 2008 about love and relationships, now attracting three million unique visitors per month.
What's the hardest part about entrepreneurship?
As someone who has work...
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How to build a secure financial future...
invest with Great Clips.
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Save
Maybe thinking about a bank account doesn’t evoke that special flutter you get when you look into the eyes of your darling. But here’s an idea:
Open a love account—a special savings fund you and your sweetie both pay into and withdraw f...
Real Stories
Shortly after finishing graduate school in Minneapolis, I landed my dream job. I was hired as the political director for a reproductive health agency—and ended up writing legislation that got signed into law in my first year.
That was an amazing ac...
Spending
A dozen roses might mean romance, but the best gift is more time together—not necessarily more money, right? Here, a list of gifts under $50 that will help you have fun with your honey.
Grow Your Own Marinara Kit ($29, Uncommon ...
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Even if you’re a high earner, an unexpected expense can throw off your budget—consider the fact that 50% of Americans say they’d struggle to come up with $2,000 in a...
Budgeting
Know someone with sky-high healthcare bills? You might. Three million households spend 18% of their incomes on out-of-pocket medical expenses.
It’s an awful burden, on top of a crisis or chronic illness. Now you can help with GiveForward.
How ...
Earning
Wondering why the whole spray-and-pray method of social media marketing hasn't radically increased sales?
Social media "experts" too often leave out a key concept: conversion marketing. Conversion marketing is the science of measuring the q...
Saving
Couples often ask me whether they should combine finances or not.
What I’ve found in my own marriage is that teamwork matters far more than where you keep your cash.
The perspective that worked for us was to put savings first, and then work ba...
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We don’t have to tell you that being an entrepreneur often means you’re so focused on running your biz that you can forget about you.
Consider this a reminder to...
Spending
Not us. Running our high-octane careers and lives, we have little time to play with makeup (even though we want to!)
Enter curated skin care. A celeb or beauty editor hand-picks your skin care and makeup, giving you a taste of the latest and greatest. An...
Spending
You know that good credit will help you get the best rates on loans (natch)—but what if you’re already stuck with high rates due to a bum credit history?
Good news! Improving your credit score can help you refinance or renegotiate for better ...
Earning
Can you articulate your business model? Not the idea, or even the market need, but how you make money.
If you're scratching your head, here are 2 sample Excel financial models: a coffee shop and a web design consultancy.
Use these spreadsheets t...
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Everyone has their favorite pair of shoes—the gym-ready sneakers, perfectly broken-in flats, rain boots that are both waterproof and pretty.
Buuuut none of ...
Spending
It’s what Donald Rumsfeld called the “known unknowns.” At some point this winter, your kids will be home sick, and your sitter will be snowed in—or sick as well.
That's why every working mother needs a backup plan. Start here....
Investing
Looking for an antidote to the queasy feeling you have about the markets?
Low-volatility exchange-traded funds (ETFs) could be the tonic you’re looking for.
In general, ETFs offer investors a cheaper and (in some ways) easier means of getting ...
Earning
Welcome to part four of RESTART 2012, a painless four-part financial scrub-down that will have you in fighting shape before you can say “FICO.”
You’ve audited your accounts, cut the junk, and made saving mindless. Let’s focus on y...
Saving
Hola, DailyWorth!
Welcome to February and to our new addition: the monthly editor’s letter. From me to you, with news and inspiration.
It’s going to be a love-ly month, and not just because of all the heart-shaped candy lying around.
F...
Earning
There are brilliant business ideas—and then there are businesses that make money.
Welcome to CreateWorth, a new twice-weekly edition for entrepreneurs from DailyWorth to help you with the money-side of business.
We’ve invited you to sign...
Spending
This is part two of an ongoing series about being financially prepared for a divorce. Read part one here.
Heather is a 42-year-old social worker with three kids, a house, a mortgage, and a small retirement account. She has consulted a lawyer and answered ...
Investing
MP with her son
I work about 60 hours a week, and I just made an executive decision about my home life:
I refuse to clean my house.
My husband and I have been squabbling over outsourcing for years: laundry, housecleaning, lawn care. For him, it&...
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When’s the last time you treated yourself to something beautiful? (A colorful salad for lunch doesn’t count.) We don’t have to tell you how hard you ...
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National
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Budgeting
Saving is an art, but there’s a science to doing it well. To pack more power into your “It’s an Emergency!” savings effort, try these:
Think “one.”
If you have a few savings goals, cut back.
You save m...
Saving
You like your friends, you like “The Breakfast Club,” and you like “Glee” (admit it). Maybe it’s time to start liking your bank.
On Facebook, that is. While only 25% of financial firms report using social media to connect to...
Spending
Like your favorite suit or power pumps, your choice of jewelry sends a signal about who you are—of course.
But it’s not the cost of your baubles, it’s your style that speaks volumes, says Marlisa Sailer, a consultant with Style for Hire...
Saving
Ready to score better credit, pay off your debt faster...and enter for a chance to win a prize that will get you closer to living debt-free?
We’ve teamed up with Credit Sesame for the ultimate credit challenge—three weeks devoted to understan...
Spending
Women tend to be the travel agents of the family (among other roles), so when the comparison-shopping game changes, you need to know.
Today, you can say goodbye to misleading ticket prices.
According to new Department of Transportation rules, all ma...
Saving
Welcome to part three of RESTART 2012, a painless four-part financial scrub-down that will have you in fighting shape before you can say “FICO.” Read part one and part two.
This is not news: the easier you make it for yourself to save money, ...
Investing
Envy your pals who always seem to serve the perfect bottle of wine?
Envy ends here—once you start your own wine cellar, stocked (yes) with bottles for $30 or less.
Pick It
The trick is picking bottles that are “age-w...
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Saving
Is your retirement plan costing you too much?
Upcoming federal regulations about 401k fee transparency could change that—and you can help.
Keeping expense ratios low is critical for women, who tend to live longer than men and thus need to be v...
From Our Partner
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When it comes to the stock market, there’s no such thing as a guaranteed major payoff (dang).
But when it comes to being a savvy traveler, a little investing sense goes a l...
Spending
In the seven years that my sons were in childcare—a period that began when my oldest was three months old and ended when my youngest hit kindergarten—I shelled out upwards of $80,000.
It was worth every penny.
Handing over that last chec...
Investing
Greece. Portugal. Spain. Italy.
Like their art, food, wine (and men), these sultry, volatile countries’ high-yield bonds may seem enticing right now.
A 10-year Italian government bond is currently yielding 6.25%. A Portugese bond? You’re...
Spending
You know you should protect yourself when you shop online, but this week’s hack of Zappos.com puts a fresh twist on how to do that.
The hackers only accessed data like names, emails, and addresses—no credit card numbers. But that’s enou...
Spending
I am convinced that the second most-common New Year’s resolution—after going to the gym—has got to be getting divorced. Starting January 2, the phones in our office were ringing off the hook, as they do every year.
What does it mean to ...
Budgeting
Welcome to part two of RESTART 2012, a painless four-part financial scrub-down that will have you in fighting shape before you can say “FICO.” You can read part one here.
Want to control spending? Get a grip on your mail. Three-quarters of Am...
Investing
It’s 2012—and we’re declaring it the Year of the Ambitious Woman.
That would be you.
The woman who has it all—and wants More. More worth. More success. More living.
In celebration of all that you have and all that you ho...
Saving
Photo Source: LuckyLion3D's shop on Etsy
You know you need an emergency stash to cover a crisis (think fire, layoff, root canal).
But if you’re like 25% of Americans—about 75 million people—you’re having trouble getting th...
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You read DailyWorth because you are taking charge of your money to build real net worth.
That’s why we’re thrilled to tell you that this year we’re teaming up w...
Earning
They dominate their market. They’ve nailed brand loyalty. Their sales force is disciplined and aggressive.
They’re the Girl Scouts, and after 100 years, they’re finally getting recognized for their financial prowess—with 13 n...
Investing
Photo of Janet Hansen from 85 Broads
A rant from Janet Hansen, founder of 85 Broads and one of Goldman Sachs’ first top female executives.
I’ve actually had women say to me, “Shopping is fun. Investing is boring.”
It&rsqu...
Spending
You can do a lot with your money on a smartphone, from checking balances to calculating tips. Soon you’ll be able to go shopping.
In theory.
Thus far, the so-called mobile wallet is making more headlines than transactions. A recent study found...
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You read DailyWorth because you are taking charge of your money to build real net worth.
That’s why we’re thrilled to tell you that this year we’re teaming up wit...
Spending
Photo Source: dwitt75's shop on Etsy
People argue about the best way to pay down debt.
Your best strategy might boil down to brain chemistry, according to new research from the growing field of neuroeconomics.
One key issue seems to be wheth...
Saving
I’m fascinated by the TLC show Extreme Couponing—and while crazy bargain-hunting is a bit much for me, I’ve incorporated some of the diehards’ strategies to cut my grocery bill by up to 36%:
Start slow. Don’t try to c...
Spending
Etsy has a rep for amazing hand-crafted goods. But this DIY retailer also features high-end luxe items that can’t be found anywhere else.
“One of my favorite tactics for surfacing great luxury items and shops on Etsy is to think in terms of t...
Budgeting
Maybe you haven’t yet figured out how to make a budget that works for you, but these four new tools could change your mind, your life, and your net worth:
The Birdy is an addictive money tracker. Reply to a daily email with...
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Quick: What’s the #1 New Year’s resolution every year?
Did you guess “losing weight”? Ding ding ding!
Here’s your prize: The opportu...
Budgeting
Photo Source: AsphaltandMe's shop on Etsy
Welcome to RESTART 2012, a painless four-part financial scrub-down that will have you in fighting shape before you can say “FICO.”
This week, you’re going to streamline your accounts. Wh...
Investing
I’ve been working since my son was born; I’m also the primary earner in my marriage.
My son, now five, is thriving. I’m not.
I still filter everything through the lens of my shortcomings, the tally of meals missed and other failure...
Spending
Christine from Money Fix Season 2 in front of her new home.
See that ecstatic woman in the photo above? She bought her first house, after being part of The Money Fix last year.
Now you can make your dreams a reality, by entering to join The Money Fix...
Investing
Photo Source: andrea0503's shop on Etsy
Financial plans are often couched in linear, two-dimensional terms. Contribute X, end up with Y. Blah, blah.
That’s a turn-off for most women, studies show. Women like to weave together multiple goals...
Saving
Upgrade your ho-hum credit card to one that puts money in your pocket. Card experts Erica Sandberg and Ben Woolsey of CreditCards.com name the three best cash-back cards.
Chase Freedom Visa has no annual fee and gives unlimited 1% cash back on all...
Investing
After a single mom friend lovingly referred to her bundle as “a money pit,” I realized that if I’m going to have children on my own (the current plan), I need to do a serious cost breakdown first.
Obviously, maternity expenses vary wide...
Earning
Photo Source: my2butterflies' shop on Etsy
Three days into 2012—how are you doing with those resolutions? Far from perfect, right?
S’all right.
In his new book 18 Minutes: Find Your Focus, Master Distraction, and Get the Right Th...
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Resolve to step up your style and your savings in 2012 … starting with your shoes.
ShoeMint is a new members-only site that brings you flats, wedges, pumps, booties (and m...
Budgeting
Photo Source: nina's clicks' photostream on Flickr
Ahhhhhhhhh. It’s do-over time. What’s the best way to put a fresh spin on 2012?
Try the water method, a surprisingly powerful exercise to help you get a grip on your priorities&md...
Earning
When I first launched my coaching business—long before my $30,000 breakthrough—I lived in constant fear of greed.
My mantra was, "Better to get by with less than risk being greedy." Every time I quoted a project or price, I felt que...
Spending
You’re on a quest to become a smarter spender—and we’re right beside you, fighting the battle between wants versus needs, cheap versus frugal, good versus … you know.
In the name of victory (or at least sanity) we’ve rounde...
Investing
Legendary British economist John Maynard Keynes once said, “Successful investing is anticipating the anticipations of others.”
He’s probably right. But some folks have day jobs. And hobbies. And several back episodes of Parenthood to wa...
Saving
When you nail down the knack of saving in one area, the ripples spread to the rest of your life.
Start here:
Yes, saving for the big stuff (retirement, college, a new house) is key. But what about the small stuff? Socking aw...
Investing
It has been a terrible year. Your investments got clobbered, and you have no idea where you stand in terms of your overall financial plan.
Is it time to fire your financial adviser?
Maybe. The following reality checks will help you decide:
...
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Choosing the right investments can be time-consuming—and frustrating, as Jon Stein knows.
Stein left Wall Street when he realized that most financial products were designe...
Earning
You work hard for the money. So hard for it, honey. So we’d better treat you right … and we are, with this round-up of our fave earning stories of 2011:
Lo and behold: “female” skills—like encouragi...
Budgeting
Maybe you’re a spreadsheet wonder woman, color-coding like there’s no tomorrow. Maybe you get queasy just glancing at your bank statement (ATM fees—gah).
No matter what, you’ll love our top five budgeting stories of 2011:
...
Spending
I give DIY gifts every year, and I’m obsessed with finding fresh ideas that look pretty and polished. This year, try these three easy, meaningful gifts that work alone or as a bundle:
Patterned coasters. These coasters are a crafter&rsq...
Investing
Photo Source: Severine's photostream on Flickr
Last year, I read Amanda’s posts about recovering from her money coma with a sense of relief.
I too was stuck—in an investing coma.
During the ten years I worked in a corporate job, ...
Saving
Don’t you hate when a contest ends and you have no idea who won?
That’s why, after two months of build-up around the Holiday of Your Dreams sweepstakes, we had to tell you what the five winners did with their $1,000 Target gift cards.
Bu...
Investing
Yearning for a getaway, but craving something more compelling than sipping Mai Tais in Maui?
A "volunteer vacation" could do you a world of good—while enabling you to do some good in the world. So-called voluntourism is a rapidly-grow...
Earning
Photo Source: catklein's photostream on Flickr
Yes, the holidays can be a jolly time. They’re also expensive, exhausting, full of weird relatives and pressure-cooker traditions. Here, the ten things that fry our tinsel this time of year:
Read more...
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What’s the best accessory for that glam holiday party?
What would be the perfect stocking stuffer for your mom, sister, best friend, or daughter?
The answers can all b...
Spending
Whenever you travel, especially around the holidays, keep a few stress relievers up your sleeve:
Emergency exits. When a family visit goes sour, or a canceled flight leaves you stranded, take heart. Smartphone app HotelTonight offers rooms at up t...
Budgeting
Last week I was in Whole Foods. On the rare occasion I'm feeling flush, it's the first place I want to go.
Thanks to my bankcard budget, I knew I had a firm cap of $70 to spend on groceries.
When I got to the register—with my cart...
Spending
Take the “I have nothing to wear” stress out of holiday parties. Here, three ways to get a fashionably festive look on the cheap (and on the fly).
H&M
Banish bland. Start with a top or dress in a ...
Investing
Photo Source: bdelpesco's shop on Etsy
One of the scary things when you aren't working (besides covering the bills) is the fear of falling behind in your retirement. Enter the spousal IRA.
If you're married and filing jointly, this option...
From Our Partner
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Ditch the same old half-baked, never-gonna-happen New Year’s resolution—and commit to accomplishing clear-cut investing goals in 2012. It can actually be … drum roll, pl...
Saving
Photo Source: ParadaCreations' shop on Etsy
Six weeks ago, we invited you to to save $1,000 in 50 days. It was ambitious, to say the least: $20 a day, or $140 a week—a pipe dream for most of us, even in the best of times.
Yet hundreds of yo...
From Our Partner
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How do you give one-of-a-kind, celeb-worthy gifts without busting your holiday budget?
Easy: Shop OpenSky and get great discounts on unique, useful, and original ...
Investing
At that messy intersection of co-workers, bosses, disco music, soggy appetizers and alcohol, you find: The Holiday Office Party.
It can be mildly awkward (did you need to see your boss’s voguing dance moves?), a career wrecker (tequila shots!) or a...
Earning
When you give aid to women, what happens? Studies show that women use the support they get to build and enrich their communities. You give, they give (and you may get a tax break)—a triple win.
Here, three groups doing terrific work for women:
...
Budgeting
Wasn’t it supposed to be easier by now?
I’m 45 years old, my husband is 42. We have college degrees, professional careers, and years of work behind us. And we’re struggling.
Whereas our parents struggled to attain their spot on the...
Spending
Cramming in 20 end-of-year meetings and events, deciding what to spend on in-laws, kids, charities and (oops!) each other—why do the holidays bring on a firestorm of financial tension?
“Money gets wrapped up with all of the typical holiday st...
Spending
Buying for kids packs a surprising amount of stress. If they don’t like what you’ve gotten them, they’ll tell you. Never fear—these gifts are guaranteed to please, and they’re all under $20.
Ninjabread M...
Investing
Your dad loves to roam the electronics section at Costco (COST). Your mom raves about T.J. Maxx (TJX). Rather than buying them gifts from those stores, give a share in the company itself.
It’s easy to buy a single stock online. And even if the mark...
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Saving
You’ve known since childhood that money doesn’t lead to happiness—but can happiness lead to money?
Laura Vanderkam, author of the upcoming book All the Money in the World: What the Happiest People Know About Getting and Spending, says y...
Spending
The holiday tip. How did a simple gesture meaning, “Hey, thanks for all your help this year!” morph into a angst-ridden calculation of Who, Why and How Much?
Is it because we outsource so many services? Because these days a heartfelt card see...
Earning
While you’re up in the attic or closet-diving for holiday decorations, lock in one last tax deduction by gathering up your old stuff.
It could offset a nice chunk of your holiday bill: If you’re in the 25% tax bracket and you donate $1,000 wo...
From Our Partner
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How do you give one-of-a-kind, celeb-worthy gifts without busting your holiday budget?
Easy: Shop OpenSky and get great discounts on unique, useful, and original ...
Budgeting
While the debate continues over how many jobs really were added this fall, there’s one group that’s seriously under fire when it comes to finding work:
The spouses of those in the military are battling a whopping 25% unemployment rate.
F...
Investing
Years ago, my father showed me a plain manila file folder that had a handful of papers in it. “This is what I call my Portfolio of Giving,” he said in his self-deprecating way.
Dad explained that his group of causes comprised of a “port...
Spending
Whether you’re shopping for the Rachael Ray in your life—or someone who just likes to throw a stylin’ party—you can put some serious spice in her chutney with these gifts ($40 and under).
State of the Union ($40, Etsy)
Whether sh...
Investing
With interest rates around 4%, you may be tempted take out a home equity line of credit (HELOC)—and not just because it’s cheap.
Given the dicey real estate market, you may need to make repairs you’d hoped to avoid by selling&mdas...
Saving
My husband and I paid off $30,000 in credit card debt after we were married. What got us, and kept us, in that much debt? A flawed sense of what was normal, i.e. entitlement.
We didn’t walk around feeling “entitled” to anything—no...
From Our Partner
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Investing
The stock market may be surging today, but it hasn't exactly been a banner year for investing.
If your portfolio is showing more red than a Valentino runway show, don’t get mad, get tax-savvy. Selling investments at a loss can generate a nice t...
Earning
DailyWorth is hiring—and the experience has gotten us thinking about lessons we’ve learned from hundreds of job applications we’ve vetted over the last two years. From us to you, our six top tips for a successful job hunt:
Prove ...
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Want better returns? Compare the returns of a Betterment Investor to those of a typical investor
Metric
Typical Investor*
Investor
...
Budgeting
If you’re thinking about giving now to a cause you care about, you’re not alone. The average person makes 24% of her annual donations between Thanksgiving and New Year’s, according to research from the Center on Philanthropy.
But betwee...
Investing
From left: German Chancellor Angela Merkel, France's President Nicolas Sarkozy, and Italy's Prime Minister Mario Monti
These days, the ongoing European debt crisis has more twists and turns than a plate of spaghetti.
Several countries—I...
Spending
The smarter you get, the more retailers try to outsmart you.
Although a new study from Deloitte shows that 90% of people know what they’re buying before they get to a store (and about 66% shop when products are on sale)—anxious retailers are ...
Saving
When I answered my seven-year-old’s Christmas request for an iPod Touch recently with a “no” (and a side of “are you kidding me?”), he shot back: “But you don’t even have to pay for it! It’ll be from Santa.&rdqu...
Investing
When I was faced with planning my son’s fifth birthday party a few months ago—in the middle of a work crisis—I finally asked my husband to take over.
Then I closed my eyes and tried to smack down the voices telling me a) I was a Terribl...
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As the hectic holiday season hurtles closer, you’d love to get some shopping advice straight from the pros—not to mention statement-making winter clothes from A...
Hoyd
How’s your holiday savings bonanza working out? Are you anywhere near that $1,000 mark?
The DailyWorth team is saving—and earning extra holiday cash—right along with you! See our collective update below—and join us, if you haven’...
Earning
Hey you, working at your computer, sitting for eight hours straight. Want to make some money for becoming healthier?
“Wellness programs” are increasingly available as part of employee benefits packages—and before open enrollment season ...
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The most important top in your wardrobe is the perfect T-shirt. It’s versatile, it’s comfortable, it dresses up and down.
And now there’s a free members-only site...
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What’s the best accessory for that glam holiday party?
What would be the perfect stocking stuffer for your mom, sister, best friend, or daughter?
The answers can all b...
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How many dollars have you thrown away in an effort to find skincare products that deliver on their promises? Let's not count.
Instead of trying and tossing one not-quite...
Spending
Everyone wants to streamline their holiday gift hunt, but downloading (and decoding) a bunch of mobile shopping apps can seem like more effort than it’s worth. So I took a few to the mall to test-drive them. Here are three free ones that work with the i...
Spending
It’s a system designed to fail. Every year, you’re supposed to make New Year’s resolutions right after the holiday blitz—when you’re beat (and usually broke).
A smarter idea: Before the upcoming season sucks all the energy a...
Investing
The "Occupy" protesters may be getting evicted from their trenches across America, but they're having an impact on financial practices across the country.
Not only did Bank of America rescind its notorious debit-card fee, some upstart organ...
Saving
It may be the biggest budget buster this time of year: Food.
After hosting one dinner party last week, and planning for Thanksgiving next week, I’ve realized two things:
Don’t ignore your swelling grocery bill during the holidays,...
Investing
Photo of Jessica Jackley
The DailyWorth Global Thought Leader series features exclusive interviews with remarkable entrepreneurs and activists who are striving to improve women's lives around the worl...
Earning
When holiday hopes are high, but cash is tight, a seasonal job can be a real gift. But how do you find the best job, for top pay?
Rev up. Try Indeed, the world’s biggest job engine—search “seasonal” plus your city to narrow...
Budgeting
Imagine a holiday season, free of financial stress. Imagine a windfall that gave you enough breathing room to just...relax and enjoy yourself!
We knew you’d love that idea just as much as we did—which is why we decided to launch the first-eve...
Asset Class
‘Tis the season of giving, and if you’re the boss, that can be....awkward. Do you give employees gifts or follow the Ebenezer Scrooge School of Management?
“A boss should make some sort of gesture to show appreciation,” says busin...
Spending
He loves his rogue past. He won’t give up the motorcycle boots. His man cave is decked out with old arcade games. This year, bring him back to those simpler times—for under $50.
A Classic. ($14.99, Retro Planet)
“I’d like to buy ...
Investing
Set yourself up for success in 2012. Here, part two of the DailyWorth Ready-Set-Go! Guide for your money.
Great! You’ve given your finances the “Back to the Future” treatment. The next step to get ahead for 2012?
Set priorities and...
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Are you tired of paying monthly fees for checking? Do you believe ATMs should be free so that more of your money stays yours? Shouldn’t a debit card come without f...
Saving
Last week, we asked you to join us to save $1,000 in six weeks with the power of Mint.com. Here are four tips to get you halfway there—a full $500 in savings. You can do it—it’s only for six more weeks!
Eat your own food. Spendin...
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You need to check your September bank statement ... but where is it? Your credit card payment is due ... was it today?
End the hectic juggle of modern financial life with a simple soluti...
Investing
Photo of Sheryl WuDunn
The DailyWorth Global Thought Leader series features exclusive interviews with remarkable entrepreneurs and activists who are striving to improve women's lives around the world....
Earning
Photo of Tara Gentile
This August, my coaching business generated $32,000 in gross sales—$27,000 of which was profit. That’s more than I used to make in a year.
It wasn’t because of a whiz-ban...
Budgeting
Even if most of us will never occupy Wall Street, ordinary folks can still have a powerful impact on corporate policies. Some recent victories worth noting:
Bank of America. Congress recently passed a law capping the fees that banks could charge m...
Investing
Q: I don’t know whether to invest my Roth IRA with a load fund company or with a no-load option. What are the pros and cons?
Rachel S.
Lenexa, KS
A: A “load” is simply a commission you pay to a broker or financial advisor for h...
Spending
What would help you get out of debt?
When we asked 3,700 DailyWorth readers, in the recent survey we did with SavvyMoney, a surprising 34% said they wished they had a debt coach.
Why? “Because it’s easy to get stuck on the minutiae of pa...
Investing
The single worst thing the real estate boom did to average Americans was creating a fantasy that you could count on your home equity as part of your retirement plan.
But national average home prices have fallen almost 40% since 2008—putting a huge ...
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Now is the perfect time to plan how to do better this holiday season and next year—especially when it comes to money.
But who wants to pore over a pile of sta...
Saving
Could you save $1,000 in the next 50 days? We know, it sounds CRAZY.
But sometimes going to extremes (for just seven weeks!) is the smartest way to put a nice wad in your wallet.
And there’s another payoff: If you join us in the challenge to s...
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Acting as a one-stop shop for personal finance, Credit Sesame is the best way to manage your credit, loans and debt all in one place. Best part? It’s completely ...
Investing
Police and protesters clash in Athens. Photo:AP
Confused about what’s going on with Greece? You’re not alone. “It’s currently one of the most complicated subjects in the world,” says global equity strategist Alec Y...
Earning
Set yourself up for success in 2012. Here, the first in our three-part Ready-Set-Go! Guide for your money.
If you could have a Back-to-the-Future moment, and beam yourself back to the very end of 2010, what advice would you give to yourself then about ho...
Budgeting
We’re about to make your Halloween even more spook-tacular with two exciting announcements:
Talk, talk, talk. We’re rolling out a cool, new discussion platform called Disqus. Now you can:
Reply directly to othe...
Investing
Gather ‘round dear AssetClass readers. Today, in honor of Halloween, we have a tutorial in terror. Here are a few spine-tingling terms that investors should watch out for:
Zombie Stocks
These are shares that have been left for dead, but t...
Spending
Every year you hope and plan for the best possible holiday. And every year (it seems) it never quite works out—whether it’s due to expensive flights, mad work hours, family pressure, not enough money, or all of the above.
But what if money an...
Investing
Tell me if this sounds familiar: You read a story about how you should start saving for college the minute your kid is born. You look at your baby, pooping in his onesie, and think, “Dang, I’m already late to the party!”
And so you do&h...
Saving
Holiday travel just got more expensive, as many airlines have added surcharges ranging from $10 to $50 for the most popular flying days. Don’t you hate that?
Here’s how to save:
Time it right. FareCompare analyzed three years&rsqu...
Investing
Earlier this month, we wrote about rolling over your 401(k) into a traditional IRA when you leave your job. But what if you want to roll into a Roth IRA?
Roth IRAs offer a cool tax break. They’re funded with after-tax income (so you don’t get...
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Dan O’Malley had it made. He was one of the youngest executives at Capital One, and his dazzling work and reputation meant that he had been tapped to create an ...
Earning
Here's Rha's spoken-word tribute to the amazing women (you) who read DailyWorth:
Know Your Worth
If you can't watch the video of Rha's performance, here's the poem—feel free to share it—please link back to Dail...
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...
Budgeting
Perry and Romney are headed for a confrontation on tax policy.
(STEVE MARCUS - REUTERS)
By now you’ve figured out that a flat tax is pretty much what it sounds like.
In the case of Republican candida...
Investing
“Buy what you know.”
You’ve probably heard this bit of folksy, feel-good advice about stock picking. It’s often attributed to investing legend Peter Lynch, who from 1977 to 1990 managed Fidelity Investment’s Magellan Fund (FMAGX)...
Spending
If the phrase “pawn shop” conjures up images of grimy storefronts and people desperately hawking heirlooms, please click and drag yourself into the 21st century.
These days, along with everything else, pawning has been reinvented online as a poten...
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As the world's economic power shifts away from the developed world...
Investing
In this economic climate, what can you do to shore up the value of your 401k and prevent further losses?
Under normal circumstances—i.e. five years ago—owning bonds or bond funds in a long-term portfolio was supposed to protect it from falli...
Saving
Do people like you more when you wear makeup?
A study released this month, by researchers at Harvard and Boston University, supposedly says yes. And people will see you as more trustworthy and competent too.
What a sham—and a shame. Yes, the study ...
Investing
Photo of Zainab Salbi
The DailyWorth Global Thought Leader series features exclusive interviews with remarkable entrepreneurs and activists who are striving to improve women's lives around the world.
The id...
Earning
It might seem like there’s a secret formula to getting a raise in tough times—but it’s actually quite simple. We talked to three managers, and they all agreed: improve your company’s bottom line. Here’s how:
Save the compa...
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...
Budgeting
If you want to get out of debt, but you’re finding hard to make a plan (or stick to one), these three sites can help. Right now.
If you want to get out of debt, but you’re finding hard to make a plan (or stick to one), these three sites can h...
Investing
Cats vs. dogs.
Waxing vs. shaving.
Clooney vs. Pitt.
In the grand battles of personal preferences, what about mutual funds vs. exchange-traded funds (ETFs)? (Yes, we’d also rather talk Clooney and Pitt, but, hey, this is an investing column.)
A...
Spending
They’re small, they’re sleek—and everyone seems to be buying them (it’s rumored that 250,000 Kindle Fires have been pre-sold already). But do you really need to add to your pile of gadgets?
In some instances, yes.
Fun facto...
Investing
You know that mortgage rates are at historic lows.
You salivate at the thought of knocking a big chunk off your monthly expenses. “Honey, we could save $350 a month if we refinance to a 7/1 ARM!” I screamed to my husband recently, after a refi cal...
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You need to check your September bank statement ... but where is it? Your credit card payment is due ... was it today?
End the hectic juggle of modern financial life with a simple soluti...
Saving
Wake up your savings with these piping-hot tips, inspired by Stacy Johnson’s Top 10 list on Money Talks News. Our three faves:
Avoid buying new. Okay, certain things you must buy new (underwear comes to mind)—but the bigger point is that mo...
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Want a bigger nest egg when you retire? Want to put your hard-earned savings to work for you? Who wouldn’t?
Here’s where Mint comes in. Overhaul that old 401k from a previ...
Investing
When watching a sports game, would you bet on who’s going to lose?
That’s essentially what “short-sellers” do: they bet that a stock, sector or broader benchmark will fall in price. (“Long investors” bet that prices will ri...
Earning
Photo of Tara Gentile
You’re ready for a raise, but you work for yourself. Stand strong—it’s time to raise your rates.
How do you justify the increase?
First, remember that inexpensive ca...
Budgeting
We always knew we had budget superstars in our midst … now they’ve come out of the shadows to rock your money-planning world. Behold our six favorite budgeting tips from DailyWorth’s own readers:
It’s in the Cards—by Jen
I put...
Investing
Photo of Willa Shalit
The DailyWorth Global Thought Leader series features exclusive interviews with remarkable entrepreneurs and activists who are striving to improve women's lives around the world.
Throug...
Spending
From left: Ellen Johnson Sirleaf, Leymah Gbowee, and Tawakkul
Karman. Photo credits below.
By now you may have heard that this year’s Nobel Peace Prize went to three women: Liberian President Ellen Johnso...
Investing
It’s open enrollment season again—the annual window where you can sign up for (or adjust) your employee benefits. The ultimate benefit to you, of course, is the money you can save.
To make sure you understand and maximize your package, check out t...
Saving
With Bank of America announcing that it will soon charge a fee for debit card use, you may be worried that your bank is next—and if so, what can you do?
According to consumer banking experts, you’ve got several choices.
Stay where you ...
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The value of $10 per week in 10 years if you...
Spend it now
$0
Save it*
$5,470
Invest it with Betterme...
Investing
If you’re stymied about where to start investing, consider a basic all-in-one fund called a target date fund that puts your financial plan on cruise control. Well, sort of. Let us explain:
First, you pick a fund that’s targeted toward a certain re...
Earning
A protester faces the intersection of Broadway and Liberty in
downtown Manhattan.
Occupy Wall Street, a movement against corporate greed, is making headlines in some two dozen cities around the world.
But ...
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We all want to be in great financial shape. But keeping track of loans and debt, while monitoring your credit—a huge factor in financial fitness—is tough.
...
Budgeting
Our top budget question is, “How do I get started?” The second: “How do I stick to a budget?”
The truth is, you don’t have to “stick to a budget”; it’s already there (money’s coming in, bills are going out...
Investing
When you leave a job, should your 401(k) account go with you?
Many financial planners say yes. How come? You can move your 401(k) to an IRA at the brokerage firm or fund family of your choice, presumably giving you more (or better) investment options.
A ...
Spending
With the holidays creeping up, now is the time to whip your home into shape. With a little creativity and some DIY spirit, you can pull off high-end looks in your home—and still have money for gifts.
Wood Paneled Accent Wall (image t...
Investing
Did you know that about 27% of high net-worth individuals around the world are now female?
And the percentage of wealthy women in the United States is higher—about 37%, according to the World Wealth Report—so we’re headed in the right direct...
Saving
The clothes and accessories in your wardrobe likely add up to a major investment, and fashion stylist Aretha Busby says a little preventive maintenance will protect those assets—not to mention your available credit.
Wash less. Give your washing m...
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...
Investing
As investors, we usually focus on what investments are good for our bottom line—like, say, steady dividend-paying stocks.
But what investing in companies we can also feel good about?
Socially responsible mutual funds typically use social screens to...
Earning
Consider walking into your boss’s office to ask for a raise, and feeling calm and grounded and ready to earn more—not keyed-up, insecure, and ready to hear “no.”
You can do it, says negotiating expert Lisa Gates, co-founder of She Nego...
From Our Partner
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This past year has been filled with life-changing events. I got married, we’re having our first baby (it’s been a busy twelve months) … and I got a new debit car...
Budgeting
We all have the same wish: If only I had a little more cash in my budget. These three super-easy services, recently featured at Finovate (the high-tech banking conference), will help you find and keep extra dough.
CashStar
Every year, consumers leav...
Investing
From left: Chaiken Power Tools, Retire Logix, and Market Millionaire.
Today’s task: Find three fabulous and free smartphone apps that can make us better investors.
Truth? It was slim pickings.
Don&rs...
Spending
A full 71% of DailyWorth readers say that paying off debt is one of their top money goals in the coming year.
But not all debt is the same, and not everyone deals with it in the same way.
We want to know more about the kind of debt you have, the challeng...
Investing
Thinking about filing for bankruptcy, but worried about whether you’ll ever recover?
It’s actually a chance to rebuild your credit and your life, says Ed Boltz, an attorney and board member of the National Association of Consumer Bankruptcy Attorn...
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...
Saving
No matter how smart or easy, most savings advice feels ho-hum when you can’t see how the money adds up over time. Now you can.
Bills.com’s new tool, My Savings Machine, shows you how much you can save by cutting small amounts of ordinary ex...
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Want better returns? Compare the returns of a Betterment Investor to those of a typical investor
Metric
Typical Investor*
Investor
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Investing
When I was a teenager, my grandmother gave me a couple shares of Limited Brands. I had worked at The Limited that summer, and while I was focused on my employee discount, she was trying to get me to think bigger.
At the time, I was nonplussed. But today I so ...
Earning
You have a million-dollar idea for a project or product—here are three ways to get the resources to bring it to life.
Would-be inventors: submit your idea to Quirky for a $10 fee and the community will help develop it. Each week the staff votes o...
Investing
Does this stat surprise you: Nearly 28% of 401(k) users currently have outstanding loans, according to a recent survey by employee-benefits consultant Aon Hewitt. That’s up from about 22% in 2005.
Yes, we get that times are tough and that a 401(k) is a ...
Budgeting
Would you tell a friend what you earn? How much debt you have?
Despite how much you share with friends about the rest of your life, money remains a weirdly taboo topic. And that’s a shame, says financial therapist Amanda Clayman.
Just as you turn t...
Spending
Sometimes it makes sense to splurge on a pricier item—sometimes it’s smarter to skimp. But when?
Working as a professional organizer, I see both sides of the purchasing problem—homes cluttered with over-priced items—and the frustration...
Investing
When I announced that I would use my "Money Day Off," earlier this summer, to tackle my long-term care insurance policy (finally), many of you expressed an interest in LTC.
As a former financial advisor—and someone who has seen long...
Saving
Thanks to websites like Etsy, 20 x 200 and I Need Nice Things, it’s easy to score inexpensive artwork—but framing them is still a pricey endeavor.
Unless you can get away with not framing, that is. My top three solutions for filling your walls on ...
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The lazy days of summer are giving way to the busy days of fall—but that doesn't mean you can't still treat yourself!
Now that all of your friends are back ...
Investing
AssetClass, our investing email, launched in May. We created it to help women (including ourselves) learn more about how to grow their money. Our goal is to create a forum where we can discuss investment strategies, mistakes, tips, goals and successes.
The re...
Earning
Ever feel like you’re constantly striving for financial abundance, but can’t get there? It’s time for a new perspective on abundance itself.
Follow these three steps to recalibrate your money mindset and boost your bank account:
...
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#main_table {
background-image: url('http://prodstatics3cdn4.purewow.com/images/articles/2011_09/Background_600x850.jpg');
background-repeat: repeat-y no-repeat;
background-color: #AAA;
...
Budgeting
Armed with detailed spreadsheets and statements—I recently had the “let’s combine our finances” talk with my new fiancé.
Gulp.
Despite past conversations about our income levels—I earn more—and some other issues...
Investing
I’ve got some cash sitting in a savings account at a big bank. Yes, it’s super accessible and federally insured. But my annual interest rate is a paltry 0.35%. I want more—while still keeping it liquid and safe.
If I’m willing to jump ...
Spending
Whether you’re in back-to-school or back-to-business mode, this first week of fall is a tough transition, especially around spending.
You’ve got all the expenses of resuming school and work—clothes, fees, commuting passes, lunch money. And y...
Investing
It is hard to believe that just a few weeks ago I was too scared to tackle my own retirement plan—and now I’m starting to manage my own investments, thanks to the advice of my Money Fix expert, Manisha Thakor.
I've increased our monthly contri...
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The lazy days of summer are giving way to the busy days of fall—but that doesn't mean you can't still treat yourself!
Now that all of your friends are back ...
Saving
You can look stylish—and save—by making just a few smart additions to your wardrobe for fall, says fashion stylist Blair Brodar.
What’s in—and how to make it work for your wallet:
Luxe looks. Fall 2011 is all about glamour....
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Is there a magic wand that can make your late fees vanish and help your credit shine?
No, but there’s a sweet new online financial organizer that can: Manilla.
Manilla boast...
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When Betterment’s CEO, Jon Stein, worked in finance, he found that typical financial products were optimized for corporate profits—not real people’s goals.
...
Investing
Fall is here. Time for apple cider, warm tights—and your fall investing to-do list. Tackling this now gives you time to make necessary adjustments before the holiday chaos arrives. Here are four tips:
Review. Do you know what you’re investe...
Earning
How to describe these last few weeks with my money guides, the Money Fix and Barbara Stanny whispering in my ear every day?
Since my last post, in which I faced up to decades of underearning patterns, I’ve learned how to take steps not only toward reali...
Spending
Trying to rein in your spending? Forget vague vows like “tightening your belt” and institute a hardcore No-Spend Zone in just one area. Some ideas:
No-Spend Zone 1: When you leave the house. Picking up a prescription? Grabbing pizza—e...
Investing
A lot of lingo gets thrown around when people talk about retirement planning: asset allocation, diversification, passive versus active investing.
But there’s an essential investing concept that merits a closer look because it’s often folded into l...
Saving
It’s easy to get overly focused on (and worried about) saving for the big purchases, the long-term goals. For balance, sprinkle your savings plan with things you can save for today:
A new suit.
That eco-skillet you’ve had you...
Investing
With fall nearly here, it’s time to set aside the summer beach reads and move on to more serious fare. (But did you read The Paris Wife? Good stuff.)
So what about an investing book? Before you recoil in horror, let us direct you to the classic (and rec...
Earning
We can all use kick-butt inspiration when it comes to our careers—and sometimes Hollywood comes through. Five of our fave movies featuring high-powered women characters:
Baby Boom—Her no-nonsense ways made J.C. Wiatt (Diane Keaton) a...
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With fall just down the block, it’s time for a fresh start—and an organized, clutter-free home or office.
All you need is a little help from the organizing and design ex...
From Our Partner
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Given the market’s wild ups and downs, you may be wondering whether you’re doing the right thing with your money. Rest assured—Betterment’s got your back with a hel...
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Ever heard of Grace Groner? She was a secretary who bought three shares of Abbott Laboratories stock in 1935, never sold her stake, and left over $7 million to her alma mater, Lake ...
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LouAnn Lofton, Author,
Warren Buffett Invests Like a Girl
My name is LouAnn Lofton, and I work in what is probably the most male-dominated of industries—outside o...
Investing
Wall Street’s traders are known for their, um, colorful language. Much of it is NSFW (not safe for work), but some of it is quirky and useful to know:
Catch a Falling Knife: This refers to investors who try to time the bottom of a stock or stock ...
Budgeting
I’ve always been a yo-yo budgeter. Some months I'd be the DailyWorth poster-child for clarity; in other months I'd fall into a Money Coma, resulting in over-spending.
Then, I came up with an ingenious solution: I took the old tactic of multiple ...
Spending
Saving money is the goal of every savvy traveler. Who wants to add the cost of travel insurance to a trip?
It may be worth it, if just a couple of hundred dollars can buy you peace of mind while you’re on the road or planning to be.
Policy prices d...
Investing
When I started working with Julie for the Money Fix, she was great with budgeting and saving—but investing overwhelmed her. So I drew up a simple action plan.
Research investment options. Julie has a military service background, which means she h...
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...
Saving
Before the temps drop and your heating bill skyrockets this fall, find and fix problems in your home by conducting a home energy assessment. Here’s how:
Do a DIY assessment. Use the Department of Energy’s guide to do-it-yourself energy audi...
Investing
An exchange-traded fund (ETF) that follows the new “cloud” computing industry (SKYY)? Check!. The lithium sector (LIT)? Yep. What about the future price of corn (CORN)? You got it.
Exchange-traded funds—the nimble cousins to index mutual fun...
Earning
A few years ago, A few years ago, Tara Gentile made $28,000 a year working in retail. She left her job to pursue her own business—and now her income clears six figures.
In her new name-your-own-price e-book, The Art of Earning, Gentile reveals the proc...
Budgeting
In my Money Fix quest to buy a house by December, I’ve started putting J.D. Roth’s great advice into practice.
I currently have one savings account for the house and one for emergencies. I’d like to add two more: one for gifts and vacations ...
Investing
If the recent stock market insanity has you craving more stability and you're considering adding more bonds to your portfolio, first ask yourself: bonds or bond funds?
These are two different beasts. An individual bond offers certainty: usually a fixed in...
Spending
When I first started working with Kerry as part of the DailyWorth Money Fix, Kerry’s marriage was ending, her husband was planning to move to Texas with their two daughters, ages 7 and 9—and Kerry intended to stay in Alaska, in part to finish her secon...
Investing
Everyone is telling you to “sit tight” regarding your retirement investments. But financial planner Galia Gichon, founder of Down-to-Earth Finance, says there are three things you should do to ease fears and feel more in control of your money:
...
Saving
You know the drill: You get excited about a goal (a real vacation! new fall clothes!) and you plaster your brain with promises to save. Then you lose that kick-butt momentum and your plan falters.
Are you a savings slacker?
Nope, but you may be using the...
Investing
When you're deciding where to invest your money, the natural instinct is to go for the best possible mutual funds—the ones ranked 4 or 5 stars by Morningstar. But it turns out you should pay just as much attention—maybe even a bit more—to cos...
Earning
Within minutes of talking to Joanne, my advisee for the Money Fix, I knew that if she wanted to be a high earner, she needed to start thinking and talking like one. Otherwise, no matter how many resumes she sent or interviews she scheduled, she’d inevitably ...
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Question: What complements a summer steak dinner better than a top-notch bottle of red wine?
Answer: A bottle of 2005 Two Rock cabernet, hand-picked by expert curators an...
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...
Budgeting
This is my second and final post for the Money Fix, and as the deadline approached, I felt discouraged by the progress I’d made—as though I had let the readers of DailyWorth down, by not solving my budgeting problems all at once.
After all, what c...
Investing
The scenario: Late July. Gold prices are above $1,600 an ounce. I have a brilliant idea: sell my broken gold bracelet for some easy money!
The reality: At a local San Francisco jewelry store, my bracelet is weighed and tested. A calculator is produced, and I ...
Spending
In the midst of the recession, some credit-card companies are trading in the old, carefree “life takes Visa” approach and rewarding more responsible credit use instead.
Chase Blueprint is a system that can be activa...
Investing
Whether you’re an avid day trader or your portfolio is on set-it-and-forget-it, we have some news from the market frontlines.
The days of thinking and behaving like a U.S. investor are over. Done. Sayonara. Auf wiedersehen. Why?
Three words: sovere...
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Is there a magic wand that can make your late fees vanish, instantly?
No, but there’s a sweet new online financial organizer that can: Manilla.
Manilla boasts one of the best, fr...
Saving
Given the recession—and the crazy market—this is a smart time to boost your savings, no matter what your circumstances.
When I started advising Stephanie for The Money Fix, she’d already made her most important move by getting out...
Investing
As we wrote on Monday, market downturns can be good buying opportunities for long-term investors. But what is a long-term investor these days?
Given that the 10-year annualized total return of the S&P 500 is now 1.9% and over five years it’s 0.6%, y...
Earning
Hunting for work in today’s skeletal job market can be frustrating—depressing or even demoralizing. You’d be willing to do anything to get a job.
Or would you? A recent Rutgers survey shows that many unemployed people are uncertain about how...
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It’s shocking but true: Americans spent over $22 billion in credit card late fees and penalties in 2010 alone.
Aside from being a sad waste of money, those late payments can zap you...
Budgeting
What is a “downgrade” exactly? It’s similar to when your credit score takes a hit; lenders question whether you’re going to repay your debts.
Similarly, the credit rating of the U.S. was knocked down from AAA to AA+ by Standard & P...
Investing
If you’re looking at the markets, and your instinct is to run screaming, let’s all remember 2008. I know I am.
In December of that dreadful year, my husband and I were shopping at a car dealership. On TV, a huge graphic showed the Dow plummeting m...
From Our Partner
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Celebrities seem to have it all: wealth, fame, and great taste to boot. Now you can share in the shopping secrets of the stars—at a serious discount (plus $10 credit)—when yo...
Spending
This morning I was watching my son, now almost five, finish his first jigsaw puzzle—100 pieces, which taxed his patience never mind his ability to sit still.
Trying to make sense of yesterday’s market plunge, a harrowing 513 drop in the Dow, requi...
Investing
My name is Julie and I'm the type to tackle just about anything fearlessly. I'm in the military as a Logistics Readiness Officer, I used to be a firefighter, and I’m an avid rock climber.
But I’ve never been able to conquer my fear of inv...
Investing
One of the pleasures of accumulating wealth is that you can give back to the charities and causes you care about. And charitable giving can also give you a nice tax break.
If you’re looking to donate while also getting some tax relief, consider a &ldquo...
Saving
In the last couple of weeks, my husband and I had two big, unexpected car repairs, an error on our 1040 (translation: we owe the IRS) and—say it ain’t so! but it is!—my husband’s laptop needs a repair.
Our curveball fund is wiped out a...
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The value of $10 per week in 10 years if you...
Spend it now
$0
Save it*
$5,470
Invest it with Betterme...
Earning
Hi. My name is Joanne and I’m an underearner. You know, someone who “earns less than her potential despite her need or desire to do otherwise” (to quote my wonderful Money Fix mentor Barbara Stanny from her book, Overcoming Underearning).
It...
From Our Partner
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The value of $10 per week in 10 years if you...
Spend it now
$0
Save it*
$5,470
Invest it with Better...
Investing
Shopping for a good stock isn’t all that different than shopping for a handbag. Some women are willing to shell out big bucks for this season’s “it” bag. Others love a deal, like finding a Coach classic at a consignment shop.
For inves...
Budgeting
Months of doom-filled predictions, public debates, people scrambling to protect themselves from disaster.
Remind you of anything?
No, not the recent debt ceiling debacle, silly. We’re talking about Y2K: widespread hysteria that engulfed the final w...
Spending
Hi, my name is Kerry, and between the time I applied for the Money Fix and now, my entire life has changed. My marriage is ending, my husband is leaving Alaska (where we’ve been living) to move to his new Army post in Texas, with our two daughters.
It w...
Investing
Hellooooo everyone!
The heat has finally broken here in Philly, and I’m feeling a bit revolutionary.
Did I ever share with you why I started DailyWorth? The idea emerged from a combination of experiences: awe of the super-women in my life, and a de...
Investing
Earning season comes four times a year, and lasts for roughly a month. It’s when most public companies—including most of the S&P 500—announce their quarterly or annual profits.
It's like a report card. This week alone 180 companies a...
Saving
My name is Christine, and I’m going to buy a house this year. I’ve been saving for six months, but unplanned expenses have sucked away a lot of my extra cash. I want to close on my house when my lease is up in December, so I need to get serious about s...
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Question: What complements a summer steak dinner better than a top-notch bottle of red wine?
Answer: A bottle of 2005 Two Rock cabernet, hand-picked by expert curators an...
Earning
You can’t read too much into human behavior on game shows. Or can you?
Economists at the Swedish Institute for Social Research found that women who played against male opponents on the Swedish version of Jeopardy! tended to be less aggressive in placing...
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Budgeting
My name is Stephanie and I’m a domestic violence survivor. I prefer the word survivor, not victim. I’m also a newly divorced parent to two wonderful girls, ages four and six.
I have a great job and I’m college-educated, but there’s no ...
Investing
Photo Source: awornpath.com
As consumers, we mourn the demise of Borders bookstores. But as investors, we can learn much from the tragic tale.
Borders Group, which went public in 1995, reached a high o...
Spending
A couple of weeks ago, I was visiting my in-laws for the weekend, and realized I’d forgotten to pack my face cleanser and eye makeup remover. Gah.
So my mother-in-law handed me a jar of Pond’s Cold Cream.
Really? Pond’s? Cold cream? We...
Investing
It's hard to say when the bad news started.
Did it start when we didn't get a lick of interest the first two months our home was listed for sale?
Or when we got some foot traffic, but no one was interested (and one humdinger said she didn't l...
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Investing
Do you think you’ll be in a higher tax bracket during retirement than you are now?
The answer isn’t solely based on your future income—although you may scamper up the tax ladder as you accumulate wealth. It also depends on federal tax rates....
Saving
Remember last year, when you vowed to start that holiday savings account sooner—to relieve stress and prevent a giant Visa hangover? Now’s your chance!
Black Friday, the official start of the holiday shopping season, is 128 days away, on November ...
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Earning
A year ago, I was offered the job of social media editor for my city’s newspaper. It was a significant promotion, but the raise was meager.
I was making $32,500. I deserved more, but recent cutbacks and a long-standing wage freeze made me scared to ask....
Investing
When an article or friend makes you question one of your investment choices, what’s your next step?
Assuming you’ve identified a specific hole in your plan (e.g. you need some international exposure, or lower-priced funds), using a mutual fund scr...
Budgeting
Each season brings its own set of expenses, and recently I had to give my budget a serious summer tune-up.
Soon I’ll be fretting about holiday gifts and heating bills. Right now—with guests and picnics and parties and potlucks—my issue is fo...
Spending
To hear the whining across the web, you’d think that Netflix had tripled their rates.
Instead of a $9.99 monthly deal for streaming and DVD rentals (one disc at a time), each will be priced separately, at $7.99 a month.
Net price increase: $5.99.
...
Investing
You may be surprised—or relieved—to know that women have innate wealth-building instincts, especially when it comes to investing.
Unlike the Tarzans on the trading floor, research shows that women are more likely to sit tight and take fewer risks....
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When you hear “personal finance management” do you:
Fall asleep (and snore loudly)?
G...
Investing
What's an Index? An index provides "a summary of the market [based on] the top stocks within a market."
Indices reflect numerous different markets; major ones include:
The Dow—Tracks 30 of the biggest c...
Saving
Everyone's got a tight budget this summer. But don't limit yourself to a dull "staycation."
Kick it old-school and rediscover the classic, low-cost vacations of yore: Long car rides, license plate games, and cheap motels with pools. Get your...
From Our Partner
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With BuyWithMe, you can do more of what you love—with people you love—and spend less to do it.
BuyWithMe adds a new local deal to the site every day and you hav...
Earning
Last winter, in "Your Future as a Free Agent," we coined a phrase many of you found tweet-worthy: Get Your CEO On.
It's a fun, kick-butt sentiment. What does it mean?
Becoming a CEO—as opposed to just "running your business"...
Investing
2011 is shaping up to be the Year of the IPO, what with LinkedIn, Pandora and now Dunkin' Brands (as in Donuts) going public.
Although "initial public offering" is a technical term, referring to a company's decision to publicly report their ...
Budgeting
The dating world is strange and competitive: I’ve had enough bad Saturday nights to fill a book. But what’s more shocking is how expensive it can be.
Putting aside the who-pays-when politics, the dating lifestyle alone is pricey--and every single ...
Spending
I want an e-reader. But I don’t want to spend money on a gadget that requires me... to keep spending money. Hate that.
Solution: Buy an e-reader that lets me download books from the library.
Earlier e-readers didn't offer this money-saving opti...
Investing
Do you and your spouse talk about when you want to retire, how you’re saving for it, and where you’ll spend those allegedly golden years?
Probably not. Couples are so out-of-sync when it comes to retirement planning that 73% disagree about whether...
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With BuyWithMe, you can do more of what you love—with people you love—and spend less to do it.
BuyWithMe adds a new local deal to the site every day and you hav...
Saving
You have a fridge full of produce thanks to your CSA membership or a recent (slightly overzealous) trip to the farmers’ market. How do you make sure none of that green goodness—leafy or financial—goes to waste?
Get recipes instantly. Those s...
Investing
Can you buy a stock for a penny? Not really. Generally, penny stocks are shares of companies that trade for under $5 (some define them as shares trading under $1).
Why are penny stocks so cheap? Sometimes the company is on shaky ground, so you get what you bu...
Earning
A “business casual” dress code can be dicey, especially when office rules relax in the summer.
And if you’re looking to land a promotion, those Friday flip-flops won’t help, says Barbara Pachter, business etiquette expert and author of...
Spending
So you have $80,000 in student-loan debt for a degree you’re not using.
So you ignored your credit-card payments for three months because you wanted to send your kid to summer camp, and your credit score took a massive hit.
So you got divorced and ...
Investing
About 70% of people with 401k plans have no idea that they are paying a small fortune in hidden fees, a survey this year by AARP found.
That’s changing now, as new federal rules are requiring that plan providers—like Schwab, Fidelity, Vanguard, Pu...
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Choosing the right investments can be time-consuming—and frustrating, as Jon Stein knows.
Stein left Wall Street when he realized that most financial products were ...
Saving
If you’ve tried Mint, Yodlee, Hello Wallet and other money management sites without that ‘click’ of financial relief, you might want to try another approach.
Imagine that Mint.com developed a sense of humor and merged with Facebook—and...
Investing
Jeez. It’s the same way your parents would react: Just because Wall Street found a few bad boys in the teen retail sector, does that mean they should all be grounded?
Huh?
Sure, Abercrombie & Fitch (ANF), American Eagle (AEO), Pacific Sunwear (...
Earning
DEMO Awards Ceremony
The start-up world may be dominated by 20-somethings—but if you’re a Boomer in the tech space (or a techie in the Boomer space), you could get a chance to pitch your plan or product to...
Budgeting
The other night I was paying my bills and I was about to make the minimum payment on my card.
The only problem is that you’re supposed to pay more than the minimum if you want to get rid of your balance. But how much are you supposed to pay?
The st...
Investing
ETFs, defined: Even Wall Street has its fashion trends, and right now exchange-traded funds are still enjoying hot-commodity status. They are built like index mutual funds, but they can be traded like stocks.
These days, you can find an ETF that tracks or mir...
Spending
I bought a new pair of shoes recently.
Well, no—“shoes” isn’t really the right word. They deserve more than that. They’re black, strappy, slingback statement-makers with four-and-a-half-inch heels plus platforms. When I wear them...
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Imagine that your most style-savvy friend—the one who always has The Thing You Want—shared her secret picks with you.
At a serious discount.
It’s not a fantas...
Investing
Q: I plan to put $5,000 into my IRA this year, but I want to open a Roth IRA, too. Can I put another $5,000 into the Roth?
A: Sadly, in this case, the answer is no. But you can mix and match some retirement accounts. Here’s a rundown:
...
Investing
The price of gold has hit a staggering $1,550 an ounce. Just looking at gold’s price chart is enough to make you want to:
A) Clean out your jewelry box (rings, who needs ‘em!)
B) Rip your cash out of that tepid S&P fund and buy solid gold...
Saving
These days you’re paying about $25 each way to check a bag when you fly. (Americans paid a shocking $3.4 billion to check bags in 2010—up 24% from 2009.)
You can buy a still-roomy carry-on that meets most airlines’ size limits, and add that ...
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Earning
Can your Hotmail account sabotage your job hunt?
Over dinner with some tech execs recently, DailyWorth’s CEO Amanda Steinberg got the word:
“If an applicant applies for a job with us and is still using Hotmail or Yahoo for email, they’r...
Investing
Dear AssetClass reader!
With the launch of AssetClass this year, we are thrilled to help you know your worth—and grow your worth.
And the best way for us to accomplish both is to get to know you better, so we can make sure AssetClass delivers what ...
Budgeting
It’s one of those hit-the-snooze-button survey results: Americans are scaling back their travel plans this summer in order to save money.
Strangely, many cite the price of gas as a factor!
While we’ve written about a few ways to rein in your ...
Spending
Dear Reader,
Just a short, happy note from the DailyWorth team to say... we’re thinking of you!
Thanks to your awesome support and input, we are able to keep our daily money tips fresh and useful.
So we were thinking—in order to make Dai...
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Investing
You need a retirement account (obviously), but another way to grow your money is to invest through a taxable account: a.k.a. an investment portfolio.
Unlike an employer-sponsored plan, you’re not restricted to pre-selected choices when you invest on you...
From Our Partner
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When Betterment’s CEO, Jon Stein, worked in finance, he found that typical financial products were optimized for corporate profits—not real people’s goals.
...
Saving
Enough with the aftershave and the golf ball polishers. Today’s hard-working dad needs some serious down time for Father’s Day—and a few toys to help him get the, er, least from every weekend.
P...
Investing
Lauren Templeton wasn’t like most seven-year-olds. While her peers plastered their bedroom walls with princess pictures, she proudly hung her stock certificates—shares of Disney, Gap, and Wal-Mart that her father helped her purchase every month.
Y...
Earning
Someone explain this to me: My son’s school closes today, June 14.
Camp starts on June 27th.
In case you’re in that post-lunch lull and can’t do math, that’s a gap of NINE WORKING DAYS.
What’s a working mom or dad sup...
Investing
It could be a colleague, a friend—even your mom—but you probably know someone whose capricious whims or moods drive you nuts.
That same volatility, or hard-to-predict quality, can make certain investments hard to handle.
Volatility refers to ...
Budgeting
A recent Marie Claire article described incidents of financial infidelity that would curl your hair.
One woman had no idea her family was swimming in unpaid bills and eviction notices—until she found a wad of them, stuffed into the lining of her husband...
Spending
It can be hard to admit in this discount culture, but sometimes a “bargain” is just a waste of money in disguise.
ShopSmart magazine did a recent roundup of products that aren’t worth the skimp:
Paint. A ...
Investing
Every weekend you vow to do your expense report, dispute that weird charge on your bank statement, or deal with some other annoying money chore.
But who wants to wrangle with money on the weekend? That’s why we created Money Day Off—a full day, or...
Investing
You've always been curious about picking stocks. But the standard advice is stick with mutual funds.
After all, mutual funds give you a lot of diversification for your money.
But given what populates most mutual funds (stocks!), it pays to understand...
Saving
I’m getting my kitchen remodeled as a 50th birthday gift, but I feel guilty.
I coupon; I make my own dishwashing detergent; I made my kids start an iTouch fund—and then I blog about all my economizing.
So now I feel like a frugal fraud, becau...
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bloomspot curates exclusive offers in your ...
Earning
There’s a reason that women make up more than 25% of franchise business owners.
Buying a franchise is like starting your own company, but with less hassle.
You’re working with an existing business model, using an established name, and getting...
Budgeting
When you vow to take your spouse in sickness and in health, are you saying “I Do” to their bad credit, too?
Couples don’t typically discuss credit health before walking down the aisle, but they should. Knowing the truth can prevent credit da...
Investing
With more than 4,000 personal finance websites out there, it’s tough to know where to turn for solid investing guidance.
Enter Kimberly Blanton, a researcher with the Center for Retirement Research at Boston College. Her recent report sorts existing mon...
Spending
The Environmental Working Group recently analyzed 600 sunscreens and came away recommending only 20%.
What’s the problem? Despite the fact that the FDA announced in 1978 that it would regulate sunscreens—and drew up proposed rules in 2007—th...
Investing
Do you have a spare $100,000 in your retirement account?
That’s the average amount a retiree will likely spend on healthcare as they age, according to recent research from Boston College’s Center for Retirement Research.
Fortunately, you can ...
Investing
Despite the comforting sound of “fixed income,” the part of your portfolio that contains bonds can be surprisingly volatile or risky, if you don’t pay attention.
Here’s how to run a safety-check on your fixed-income allocation.
...
Saving
Haute Hippie
Sultry Safari Dress
Rental: $75, Retail: $445
You want to knock ’em dead at that glam summer wedding you’re attending, and you know just the dress that’ll do it: ...
Earning
Senate Joint Economic Committee's 2010 report, "Invest in Women, Invest in America.”
Companies with the most women on their boards post 66% higher returns on invested capital, and 42% higher returns on sales th...
Spending
I've been in business for myself for two and a half years. In that time, I've gone from covering my iced latte habit (extra ice, please!), to bringing in over $100,000—in less than a year.
As you can imagine, my relationship to money has been co...
Investing
Women need to get the max from their money to cover longer lifespans and the occasional career hiatus.
"But I don't have that kind of money!" you might say. These days, getting the help of a pro doesn't have to cost much. Investing in one ho...
Investing
No one would dispute that billionaire Warren Buffett, often called the Oracle of Omaha, is one of the most successful investors of all time.
Yet the essential ingredients of Buffett’s investing philosophy have been overlooked until now, argues author Lo...
Saving
Rick Ingersoll, “The Frugal Travel Guy,” explains his Priceline discount system.
You’ll find great hotel deals on Priceline—if you know how to use the “name your own price” function. Become a bidding wizard with this system...
Earning
The first season of The Money Fix—in which we featured eight readers' money struggles—was such a hit that we’ve decided to renew the show for a whole new season!
And we need YOU to help us.
We are seeking five women who are willing ...
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You want to build wealth, but you don’t have time to sort through piles of paperwork or decode jargon to invest your money wisely.
The solution: Betterment. It’s a streaml...
Budgeting
I devote a great deal of time to thinking about my financial future. Unfortunately, thinking about it and doing something about it are two different things.
Take the long-term care insurance proposal my financial advisor emailed me more than a month ago&mdash...
Investing
You probably think of cash in your wallet (for spending and bills) as separate from the cash you contribute to your retirement account.
But as a woman, you need to think of those day-to-day dollars in investing terms as well, especially when you consider your...
Spending
One overlooked item in the Schwarzenegger scandal is how easily his wife, Maria Shriver, was able to cut ties and move out.
Wealth and family connections can do that for a gal. But what about the rest of us?
What would you need to do to protect yourself,...
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DailyWorth readers, you’ve told us that your #1 personal finance issue is paying off debt.
DebtGoal, a web startup in San Francisco, offers personal game plans for paying off debt as fas...
Investing
Every couple of years I force myself to calculate what my mythical retirement amount might be.
And every couple of years, I emerge from this pursuit looking like Wile E. Coyote, after the Road Runner has run him off a cliff.
The truth: You need at least ...
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Everyone wants a smart and easy way to manage and grow their money.
But savings accounts offer paltry interest rates that don’t keep up with inflation.And investing in the...
Investing
At some point you said, “Here’s what I want my life to be.” College. Career. Family.
But if you’re like many women, you overlooked your financial road map.
The road map for women is different—more quirky and complex—th...
Saving
Thousands of travelers the world over use home swaps as a way to afford a terrific vacation that might otherwise be out of reach.
But how do you know you’re not walking into a scam, 3,500 miles from home?
Choose the right s...
Earning
Tory Johnson at Spark & Hustle
Before I had kids, you could find me at any number of events, from business conferences like Social Venture Network to arts festivals like Burning Man.
Th...
Investing
Why start a new investing series on DailyWorth?
DailyWorth's Amanda Steinberg and MP Dunleavey announce AssetClass.
Because over the years, we've heard countless stories like these:
Suzanne has $60,000 sitting ...
Spending
Americans spend a mind-blowing $1.2 trillion every year on stuff they don’t need. As a professional organizer, I deal with the fallout from shopping gone wrong all the time.
Some lessons from closets I’ve seen:
DOUBLE...
Investing
I’ve been meaning to roll over my 401k ever since I left my job in 2008. Like many financial chores, it seemed like a pain—even though every personal finance expert makes it sound like rollovers are a snap.
News flash: They’re wrong.
Fi...
Saving
You’ve heard of Zipcar, but car-share options are multiplying around the world, with traditional guys like Hertz—and hyper-local companies—getting in on the act.
Expect to pay a one-time application fee of about $25, and an annual membership...
Earning
So you want to leave your comfy corporate job—give up your regular paycheck and run the risk of going months without income.
Can you handle that?
Mina G. is a DailyWorth reader with a 9-to-5 gig who thinks she can. She dreams of flying solo as a co...
Budgeting
When debt is the enemy, you need to mount a relentless assault.
Debt Quencher—Should you pay down your debt with the lowest balance first, or the one with the highest interest rate? Enter your info into Debt Quencher and it&rsqu...
Spending
Does your place look like the showroom of the World’s Most Blah Decorating Store? If you’re itching for a spring overhaul, don’t just copy page 19 of the Crate & Barrel catalog.
Take advantage of free expert design advice and tools onlin...
Investing
In case you’re sick of hearing the same old story about women and retirement—women earn less, save less, feel less confident than men do, blah blah—imagine how we feel.
We actually have to read all that data. And we’re sick of it, too....
Saving
You’ve set up your emergency fund and socked away enough to quell most of your panic. But be honest: Did you reach your target of three to six months’ worth of expenses?
If you’re laughing (or sobbing) right now, that’s not a good sign...
Earning
Peter Shankman, founder of HelpAReporter.com, delivers a peek inside the hiring process to see why candidates get eliminated.
The Statistics
After we posted a job recently, we received 481 resumes—33 of which were sent to the wrong email address, and ...
News
It’s impossible not to think about the last 10 years.
What you were doing on 9/11…where you spent that traumatic day …and, inevitably, what has unfolded for you in the decade since.
Many of the ideals that were guiding you a decade a...
Spending
Skip the Mother’s Day brunch this year and give Mom what she really craves, some SPP: Serious Personal Pampering.
Being a mom requires fancy footwork, so treat her tootsies to a pair of Herbal Resting Booties from Uncommon Goods...
Investing
Diversification gets a lot of lip service in the investing world—but what does it actually mean for your portfolio?
When you diversify, you allocate your money to different assets: stocks, bonds, cash, and maybe a fourth pile, like real estate. Divvying...
Saving
For years, whenever I tried to save money, it seemed to melt like snow in my hot, spendy little hands.
Then I discovered the miracle of behavioral economics: the study of why we do crazy things with money—and how to stop.
The first principle that I...
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Ready to get your money working harder? Sign up for the FDIC-insured Orange Savings Account from ING DIRECT and start saving today with a 1.00% APY (variable rate, effective as of 04/21/11).
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Earning
If you had a D’oh on your Form 1040, don't fret.
People make tax mistakes all the time—math errors and wrong or missing Social Security numbers top the IRS list of boo-boos—but there are many others.
If you received a 1099 after you...
Budgeting
It’s a nerve-wracking time for parents of college-bound kids: Financial aid offers are on the table, but what do you do if your child’s desired school is expecting you to pay more than your budget allows?
Negotiate, says Scott Anderson, founder of...
Spending
This time of year, college graduates get slammed with predictable presents—checks, stationery, copies of Oh, the Places You’ll Go!
Rise above the “Congrats!” pack by giving one of these money-smart gifts.
Deck of Cards—Part ...
Saving
Recent force majeure tragedies—from the quake in Japan to the tornadoes in the South—remind us that we can’t let fear keep us from preparing for disasters and sudden life changes.
One way to conquer your anxiety is focus on the practicalitie...
Earning
I’ve been a single mom for nearly three months, and it’s been unbelievably tough.
After being debt-free for 10 years, I racked up $4,200 in debt to start my new life. It's now up to $5,000. I set aside $400 each month for credit-card bills, bu...
Budgeting
You had three extra days to file your taxes, but now it’s April 18 and you’re risking the midnight scramble. Don’t let procrastination become panic—you still have options.
Going DIY? If your Adjusted Gross Inc...
Spending
Not long ago, I was closing my bedroom window when I knocked my lamp off the bedside table for the hundredth time. It clattered to the ground as the bulb busted and the lampshade flew off.
I wanted to scream.
The lamp was a hand-me-down from a friend, an...
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Everyone wants a smart and easy way to manage and grow their money.
But savings accounts offer paltry interest rates that don’t keep up with inflation.And investing in the...
Investing
It sounds like an old parlor trick:
Subtract your age from 100—and the resulting number is the percentage of your retirement savings to put into stocks. The remainder (voila!) goes into bonds!
By that logic, a 40-year-old would put 40% of her retir...
Saving
How do you teach money lessons so that kids will stop throwing Fruity Pebbles long enough to understand them?
If Elmo didn’t top your list of options, you may want to watch his financial debut. For Me, For You, For Later: First Steps to Spending, Sharin...
Earning
It’s the start of spring—and the end of tax season: Time to clear out the accumulation of old financial papers. Here’s the lowdown on what, why and when to toss.
ANNUAL WEEDING
After the end of the calendar year, many of the year’s p...
Budgeting
Part three of an ongoing ditch-your-debt series.
It’s a lot more fun—and efficient—to demolish your debt in big, satisfying chunks.
So instead of tightening your belt one small notch at a time, identify one or two big sources of saving...
Spending
So your best friend is throwing her dream wedding, and you’re invited. Cool! The only problem? It’s in Cabo San Lucas: about 2,300 miles and $3,465 from where you live.
What now?
Whether you decide to attend or not, there are polite ways to h...
Investing
As the snow melts, you can spot all the ways winter has taken a toll on your house. Invest a few hundred bucks in minor fixes now to preserve your biggest asset (and prevent really pricey repairs down the line).
You know to clean out ...
Saving
You may have heard that Form 8888 allows you to direct-deposit your tax refund. In fact, the 8888 gives you three powerful ways to save. (Who knew the IRS could make life better?)
Not only can you stash your refund in up to three chec...
Ceo Blog
When the Chestnut Hill Rotary of Philadelphia asked me to keynote their membership meeting today, I thought they had said 7:30PM. Only two days ago did I learn the time was 7:30AM.
Panic stricken and bleary eyed from days of travel, I called a handful of fell...
Earning
Ah, that pesky home-office deduction. For those who work from home, it can be a valuable tax break, but it’s also a tricky one—especially if you own your home.
Assuming your work space meets the criteria for business use (i.e. you use it exclusive...
Budgeting
Motorcycling, sailing, snowboarding—my favorite sports aren't exactly cheap. And if you knit, garden, ski or scuba dive, I’m sure you can relate.
A pricey hobby is worth every dime—but you still have to control your overhead.
...
Spending
Have you ever bought a pair of gorgeous new heels that somehow mysteriously forced (forced!) you to buy a snazzy new dress to match? Followed by lipstick—or a handbag? Hmmm?
If you’re nodding your head (or glancing guiltily at the DSW box in the c...
Investing
Today is the end of the first quarter of the year, a.k.a. Q1. Why should you care about this commonplace term from the world of finance and business?
Because an efficient way to move forward is to have a regular marker to stop and assess your progress. If you...
Saving
If the Affordable Care Act ever comes together, it could give some 44 million uninsured Americans access to health coverage. But it probably won’t stop insurance companies from mishandling one in five claims—or make it any easier to get reimbursed for ...
Earning
As you prepare to enter your charitable contributions on your schedule A, are you thinking “I thought I gave more than this?” Well, you probably did!
Consider the following before you file:
A charity doesn’t hav...
Budgeting
You hate to give the IRS credit for anything, but tax-time revelations can provide some eye-openers.
My favorite this year happened when my husband and I were in pre-tax prep, combing through our budget. I asked my dear spouse—who pays our bills—t...
Spending
Whether it’s the fresh green leaves on the trees, or the promise of an upcoming tax refund—there’s something about spring that screams:
YOU NEED NEW THINGS!
Rather than get struck down by spring fever spending at the mall, admit those b...
Investing
People often say that money is the main source of couples’ fights. In fact, the underlying problem can start with money conversations.
Often couples get bogged down in repetitive conversations around money instead of talking about the actual financial i...
Saving
You know by now that tax day is April 18. But it’s a major money day for another reason—it’s the last day you can contribute to your 2010 traditional or Roth IRA.
That’s right, Uncle Sam kindly gives you until tax day to max out your I...
Earning
Moving up the corporate ladder isn’t just a matter of rockin’ the spreadsheets. A new study finds that if you want to climb the rungs, you have to act like a man... but not all the time.
Researchers at Stanford studied 132 business-school grads ov...
Budgeting
Do you start ambitious budgets only to abandon them after a few weeks—or days? Good news for the noncommittal: researchers say you can train your brain to become better.
New habits are formed in 66 days on average, according to a 2009 study from Univers...
Spending
Q: I'm hoping my parents will contribute to our wedding—but we've never discussed it. How do I ask?
A: Before you mention anything to your families, make sure you and your fiancé are on the same page.
Use the wedding budget workshe...
Investing
A few times a year, I have the honor of teaching a personal finance seminar at my alma mater, Barnard College, in Manhattan.
The class is called “Preparing for Life After College,” and it’s extracurricular, aimed at juniors and seniors. Wh...
Saving
Gas is up to $3.57 per gallon, nationally, with no relief in sight. While you can’t avoid the pump, you can maximize every gallon. Here, some tips and apps to prevent you from runnin’ on empty.
Auto experts at Edmunds.com tested some old road tr...
Earning
Tempted to simplify your taxes by taking the standard deduction? Don’t write off the possibility of itemizing just yet. It could save you heaps of cash.
The standard deduction is the amount you can deduct from your income pretty much automatically. It...
Budgeting
Survivors of an 8.9-magnitude earthquake and tsunami lie wrapped in blankets at the Red Cross operations centre in Miyagi prefecture March 11, 2011. Photo source: Reuters.com
The plight of the Japanese people is ago...
Spending
The grace period for spending down the 2010 funds in your flexible-spending account is up on March 15.
Remember, whether you allocated $200 or $2,000 to be saved in your FSA last year, those are use-it-or-lose-it funds.
Not every company provides a gra...
Investing
There’s a strange phenomenon in the investing world I want to tell you about, a pattern I call the behavior gap—when investors earn less than their investments.
Let’s consider an actual case involving the Janus Enterprise Fund.
In Mar...
Saving
Until now, we’ve been staunch fans of the Dave Ramsey method, which is to save $1,000 as your minimum cushion.
But Liz Pulliam Weston, author of a must-read new personal finance book, The 10 Commandments of Money: Survive and Thrive in the New Economy...
From Our Partner
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Earning
It has been almost half a century since President John F. Kennedy established the Commission on the Status of Women, which issued the first comprehensive look at our gender back in 1962.
Now, a mere 49 years later, the government has issued a second survey ...
Budgeting
Spring is coming, and you feel angst every time you look at all those fit babes in the Athleta catalog.
Right?
Before you sprint to the nearest gym, crunch the numbers: one national chain charges a $250 enrollment fee, plus $75 a month. That’s a ...
The Money Fix
Expert:
Amanda Clayman
Reader:
Arden
Age:
"old enough to know better"
Location:
Massachusetts
Welcome to Season 1 of...
Investing
In the world of conservative investing, you can’t “get rich quick.” However, you can get more out of your investments—by picking stock mutual funds that pay dividends or have yields above 1%.
What exactly is a dividend? The dividends...
Saving
It’s a little uncanny how often money studies echo stuff that Mom told you (or yelled at you) when you were a kid. And while you could argue with Mom, you can’t dispute how much these tricks can help you save.
D...
Earning
Tax day may be delayed until April 18th this year, but millions of Americans still won’t file on time, studies show.
If you can predict that you’re going to be late (again) this year—if you lack the time or info to do your taxes, or if you...
Budgeting
If “going paperless” with all your bills and statements has still left you in a state of organizational chaos, you may need Manilla.
A new online management system for the 2.0 household, Manilla is like having a mail sorter, filing cabinet and b...
Spending
So guess who spends more when shopping with friends?
Women, who love to shop together, because they egg each other on (“Ooh, that looks so cute on you—you have to get it!”).
Me...
From Our Partner
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Investing
Do you ever beat up on yourself about not being a better, smarter investor?
I don’t know enough. I should have taken that employee seminar. I need to do more research. Why don’t I subscribe to Kiplingers?
Relax! Drop the “woulda, shou...
Saving
OK, so why are we here? To build net worth, a.k.a. Wealth. That’s our mission and, from what we gather via reader mail, it’s yours too.
Inspired by America Saves Week, Feb. 20-27, let’s embark on a wealth-building plan. Start by getting co...
Earning
Women account for 60% of college graduates, but only 3% of Fortune 500 CEOs—and women in white-collar management jobs still make 81 cents to a man’s dollar. Closing these gaps means companies need to change the gender game, and a few are leading the ...
Spending
When you set out to make a purchase—especially a big one like a new phone, car, or even home—do you end up buying what you really want?
A new study published in the Journal of Consumer Research finds that people tend to choose an item they want...
Investing
I have some exciting news. Last Friday, MP (DailyWorth's editorial director) and I were invited to speak at the Vanguard company headquarters in Valley Forge, PA.
The occasion: Vanguard, one of the leading investment companies in America, the steward of...
Saving
Image source: decor8 blog
Original artwork is expensive, so many people opt for nothing at all, for fear that DIY solutions will appear cheesy or inelegant. It doesn’t have to be this way.
Find prints. As...
From Our Partner
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Earning
Jen Boulden, a small business advisor, didn’t intend to become a landlord. But when a job opportunity pushed her out of Montana and into L.A. in 2009, she had to make a tough choice:
Sell her house in a down market, or ...rent it out as a vacation hom...
Budgeting
Would you lie about money to your mate?
About a third of Americans who have combined finances with a partner admit to committing some form of financial infidelity, according to a recent survey by the National Endowment for Financial Education (NEFE).
&nbs...
News
Photo source: The Hindu
Depending on how you look at it, it has taken almost three weeks or three decades to overturn Hosni Mubarak’s reign as president of Egypt.
It’s impossible to predict whether ...
Investing
When you’re thinking about what should go into your retirement portfolio, ideally, it’s all too easy to get the order wrong, and focus on the investments first.
Which mutual funds should I pick?
Which bond funds?
Which stocks are the best?
...
Saving
It sounds crazy, but you could potentially get a chunk off your tax bill just for having contributed to your retirement plan in 2010.
Although most people are unaware of the so-called Savers Credit, according to a recent Transamerica survey, it offers a tax...
From Our Partner
Sponsored Post
SmartyPig’s cool goal-planning system enables you to switch from the credit-dependent “buy now, pay later” mentalit...
Earning
Expert:
Jacquette M. Timmons
Reader:
Meredith
Age:
28
Location:
NYC
Welcome to Season 1 of The Money Fix! With the help of top natio...
Budgeting
Can classic economic models forever quash senseless arguments, restore that first-time romance and rev up your sex life?
Who knows! But economics sure can make your marriage a happier place, say the authors of “Spousonomics: Using Economics to Master ...
Spending
For the first time in 10 years, I have gone into debt—a whopping $4,200—to restart my life as a single mom.
I’ve had to buy a car ($1,000 down payment)
rent an apartment ($2,40...
Investing
Why didn’t we think of this?
Instead of spending hours scanning business pages and investment websites for stock tips and company deets, it would be a lot easier—and more fun—if you could follow a few great minds on a financial version of ...
Saving
Last fall, my husband and I got a mini-windfall—a couple hundred bucks sent to us each month as repayment on a loan. Naturally, we vowed to save every dime.
Naturally, we didn’t. We spent it.
Meanwhile, over at the Money Magazine offices, w...
Ceo Blog
October Etsy Contest Winners
Shawn S., Los Angeles, CA
Asia N., Sacremento, CA
Claudia A., New Haven, CT
Raquel C., Orange, CA
November Quicken Contest Winners
Cortney B., Clifton Park...
Earning
Despite the recession, my husband voluntarily gave up his job last August to be a full-time dad—and I am the “soul breadwinner”, making a living and helping Mike find his passion.
It wasn’t easy at first. I felt the burden, both fina...
Budgeting
If you were unemployed in 2010, or if you’re still out of work, make sure you know your tax facts—many Americans don’t, according to a survey by CompleteTax.
Did you know...
…that unemployment ...
Spending
Q: My friend borrowed my digital camera for her vacation, but she just emailed me to say that she lost it. I assume she’ll offer to replace it when she returns, but what if she doesn’t?
A: Ideally, your friend will come back, bringing you a new...
Investing
What do you see when you look ahead? Let’s look into the crystal ball and forecast your ideal financial future.
You want your golden years to be golden, you want enough prosperity to bring you peace of mind. Gorgeous, Oprah-like millions would be nice...
From Our Partner
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Don't just save money—earn it. Put your money in an ING DIRECT Orange Savings Account and earn six times more interest than...
Saving
Assuming you’ve read the first installment of the DailyWorth G.O.O.D. guide, you’ve started to live the debt-free life, or at least figuring out what that means.
Next step: Start saving.
Being in debt means...
Earning
Expert:
Amanda Steinberg
Reader:
Deb
Age:
51
Location:
Illinois
Welcome to Season 1 of The Money Fix! With the help of top national ...
Budgeting
A good budget tells you how to manage money now. But what about where you’re headed next?
You’ve got some goals stashed away—a home, a car, a private island. How can you better manage your cashflow today to make certain your dreams materia...
Spending
Have you ever tried to reduce your utility bills (electricity, cable, wireless, etc.)?
Probably not, says a 2010 survey by WhiteFence. Only 50% of Americans have shopped around—or haggled with their current providers.
In fact, 39% don’t eve...
From Our Partner
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Take the stress and uncertainty out of DIY taxes by using H&R Block At Home—and connect to thousands of questions answered ...
Saving
It’s not easy starting a new life as a single mom, and my first big challenge was to buy a decent but affordable used car.
I’m loyal to Hondas and Toyotas, because I believe those cars spend less time in the shop. But my budget was $200 a month,...
Earning
In her speech last month at TED, Facebook COO Sheryl Sandberg made the usual observation about the lack of women in high places.
But rather than patter about the need for flex-time or mentoring, Sandberg—a mother of two, and one of the few in the C s...
Budgeting
Introducing the new DailyWorth Get Out of Debt Guide, a vital component of building net worth.
Standard get-out-of-debt advice usually tells you to first calculate how much you owe, add up your balances and make a plan for paying it all back.
That&rsqu...
From Our Partner
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Pay off your debt faster by paying smarter. We recommend checking out OWEing.com, a new Website to help you pay off your debt.
I...
Investing
A surprising number of people ask me questions like, “Which IRA is better?” or “Which IRA pays more?”
An IRA—like a 401k or any other retirement account—is just an empty bucket. They’re all the same, until you put y...
Saving
Yes, it’s time for that annual post-holiday tradition we all dread:
Deal with your returns and exchanges, or die trying.
According to a DailyWorth study of rumors, guesses and human nature, you probably have the following items already gathering ...
Earning
Do you ever feel funky around certain business associates, whether a boss, colleague or employee?
Don’t dismiss it as silly or “just a bad mood/day.”
Those negative interpersonal dynamics are a form of bad energy. Imagine a power cord...
Budgeting
Winter blahs? Post-holiday financial fatigue?
Girl, you need some money fun, k?
Take a break from calculator in your brain and cozy up to the second season opener of “You’re Cut Off!”, on VH1 tonight, at 9pm/8pm Central.
What? Yo...
Spending
I loathe most personal finance books. Typically they're dull and preachy, and they all seem to cover the same ground.
So you can imagine my relief—and delight—to read "The Real Cost of Living", by our own Money Fix expert, Carmen W...
Investing
Even before the recession, many people felt uneasy about their investment plans.
There's a good reason for that.
As an investment adviser myself, I can tell you that most financial plans are based on little more than a series of smart, educated gue...
Saving
I grew up believing that you went to a salon for your hair, for your nails, for all sorts of (cough) basic womanly maintenance.
I never questioned that my monthly beauty budget was more than most people spend in a year—sometimes as much as $300 (inclu...
Earning
You've probably heard that, starting this month, workers who pay into Social Security will be getting, in effect, a 2% pay increase.
Not really.
True: some 155 million people will be seeing more cash in their paychecks. Someone earning $50,000 woul...
Budgeting
As you nail down your financial game plan for 2011, what you need first is a realistic spending plan for the whole year.
How on earth can you possibly predict your entire budget for the next 12 months?
Try the DailyWorth Money Planner: a spreadsheet we...
News
DailyWorth's core mission is to give women key insights into building net worth.
How has your net worth changed in 2010? Before you look forward (many of us have that New Year's To Do list on the brain), reflect back on 2010 and make a mental "I D...
Investing
You want 2011 to be a banner year. And we do, too. Here are two simple but important ways you can maximize your money in the New Year.
Grab that match. At the depth of the recession, many companies eliminated their matching...
Saving
About three weeks ago, as the holiday season kicked into high gear, I vowed to put all my receipts into a folder to better track my spending.
And although I didn't want to look at that pile of receipts, never mind add them up, a promise is a promise.
...
Saving
You're out of ideas, almost out of money, and there's little chance you can get anything shipped by Christmas Eve now anyway.
Before you resort to regifting, there is a smart, affordable surprise you can have ready at the click of a mouse.
It&#...
Earning
OK, gals—besides a fatter 401k, here's another benefit to boosting your income:
As a woman's earning power grows, she is more likely to choose an older, more attractive mate, says a new study published in the journal Evolutionary Psychology th...
Spending
Expert:
Liz Pulliam Weston
Reader:
Beth
Age:
31
Location:
West Virginia
Welcome to Season 1 of The Money Fix! With the help of top n...
Investing
The following is an interview with investing maven Carl Richards, aka "the napkin guy", renowned for his weekly sketches on the NY Times Bucks Blog and now a DailyWorth contributor.
We all have a tendency to make the same mistakes over and over ag...
From Our Partner
Sponsored Post
DailyWorth and ING DIRECT have teamed up to help you wind down from the holidays and gear up for a financially healthy 2011. Home to 8 mil...
Saving
With nearly one in 10 Americans currently unemployed, millions of people have seen their household incomes drop this year.
A full 34% of Americans said they plan to spend nothing on holiday purchases, because they expect further financial distress, accordin...
Earning
When I look at the DailyWorth team, one thing stands out: Everyone has at least one other job. I still run my Web agency, Soapbxx. MP writes for Money Magazine. Hilary (marketing) and Simon (technology) just hired assistants to take on additional projects on the...
Budgeting
It's that year-end tug-of-war: With so many priorities putting pressure on your cashflow—gifts! parties! resisting the temptation to buy stuff for yourself!—how do you set aside money for causes you care about?
We have two answers for you:
...
Spending
To regift or not to regift? It's possibly the most polarizing question in all of etiquette.
To some, it’s as tacky as tacky gets. To others, it’s driven by a desire to be practical, and give away things they know they will never use.
My...
Investing
Expert:
Galia Gichon
Reader:
Camille
Age:
25
Location:
Los Angeles
Welcome to Season 1 of The Money Fix! With...
News
Here's the story: Hundreds of thousands of female employees banded together in a class action suit against Wal-Mart Stores, claiming that they were discriminated against in terms of both pay and promotions.
The case dates back to 2001, and it's the ...
Earning
Expert:
Eleanor Blayney
Reader:
Rebecca
Age:
47
Location:
Kentucky
Welcome to Season 1 of The Money Fix! With the help of top national mo...
Budgeting
For the last few years, I've taken my own holiday budgeting advice to extremes. I haven't even sent holiday cards.
Not all of my efforts were driven by frugality. I had come to dread the material spiral I'd get sucked into with every other craze...
Spending
When I was at the Pennsylvania Governor's Conference for Women in October (speaking about women and retirement), I was among the many who were surprised by a last-minute appearance by New York Times journalist Sheryl WuDunn.
She was there to talk about ...
Investing
As you line up your financial goals for 2011, you may be wondering if you can still save money on your mortgage.
We've got two good options for you. First, there's the obvious appeal of refinancing—which we wrote about in July. Interest rates ...
Saving
Those last-minute "gotta get the neighbor a gift" moments can lead to reckless rampages through the mall. Chill! This selection of handmade treats can be made in one relaxing afternoon or evening. By you.
DailyWor...
Earning
It's looking bleak for the hoped-for extension of jobless benefits.
If the Senate doesn't pass the year-long reauthorization today, some 2 million people will lose their unemployment checks starting in December.
If that makes you even more anxi...
Budgeting
Dear Anna, I'm going to be staying with friends and family over the holidays. Will a gift express my thanks, or should I offer to take my hosts out for a meal? If we go out, do I have to pick up the tab?
A: Many guests do take their hosts out to dinner ...
Ceo Blog
I have more to be thankful for than words can express. But I'm going to try:
I am thankful for DailyWorth readers who, despite life pressures, read DailyWorth and do their darnedest to create financial change in their lives.
I am thankful for my husb...
Saving
As we all scramble to wrap things up before the holiday weekend, we want make sure that all the things we're grateful for don't get lost in the cranberry sauce.
First and foremost, let's all give thanks for signs of sanity in our beleaguered eco...
Earning
As numerous studies have shown, most women would rather go shopping naked than engage in any sort of negotiation—whether for a job, a raise or a better deal.
Is asking so painful or embarrassing?
Not any more, thanks to a new book: "A Woman&...
From Our Partner
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Dine Like a Queen
Inside each of us is a foodie, yearning to know the best new bistros and tastiest cooking trends. But keepi...
Budgeting
How much can my family afford to spend on gifts this year? Not as much as in years past.
Due to the financial pressures that come with growing a small business (DailyWorth just passed 50,000 women members—love to you all!), we're being cautious wi...
Spending
It's staaaaarting... the fake trees, the blow-up Santas, the holiday pressure that can lead you to buy really strange stuff. Fear not! A quick trip through our little shop of horrors will remind you to spend wisely.
Price: $...
Investing
Expert:
Carmen Wong Ulrich
Reader:
Amy
Age:
36
Location:
Arkansas
Welcome to Season 1 of The Money Fix! With the help of top nationa...
From Our Partner
Sponsored Post
You're doing your best to stick to a budget, establish a plan for paying off loans, and manage your investments like a pro. You ...
Earning
Expert:
Amanda Steinberg
Reader:
Deb
Age:
51
Location:
Illinois
Welcome to Season 1 of The Money Fix! With the help of top national ...
Budgeting
In case you don't have a working holiday budget yet, here are two reasons to get on it:
You don't want to end up like the estimated 13 million Americans who are still paying off last year's holiday purchases.
...
Spending
Expert:
Jacquette M. Timmons
Reader:
Meredith
Age:
28
Location:
NYC
Welcome to Season 1 of The Money Fix! With the help of top natio...
Investing
What's the big mystery around Roth IRA conversions this year?
Not only were the income caps lifted this year—a big deal for those with a modified adjusted gross income of more than $100,000—if you convert to a Roth by December 31, 2010, you ...
Saving
It's a common dilemma: Should you put all your spare cash toward paying down debt, or build up your emergency savings—or a little of both?
It's a serious question now. If you lost your job, the average length of unemployment is about 33 weeks&...
From Our Partner
Sponsored Post
We’ve all seen car-insurance commercials touting how much you can save by switching: $350 a year! $500 a year! That’s gre...
Earning
To look at the data on women's earning power—it's still 77 cents, on average, for every dollar men earn—you wouldn't know there was a law against unequal pay, let alone another one pending.
In 1963, Congress passed the Equal Pay Act&...
Expert:
Liz Pulliam Weston
Reader:
Beth
Age:
31
Location:
West Virginia
Welcome to Season 1 of The Money Fix! With the help of top n...
Budgeting
Expert:
Liz Pulliam Weston
Reader:
Beth
Age:
31
Location:
West Virginia
Welcome to Season 1 of The Money Fix! With the help of top n...
Spending
Someone recently asked me whether it was rude to use an expensive vodka bottle and fill it with a cheaper brand, to “keep up appearances.”
I think this gets the Oscar for Most Ridiculous Question I've been asked.
First of all, you could...
Investing
For decades, financial advice has been dispensed as a one-size-fits-all proposition. Since it all boiled down to dollars and cents—profit and loss—what did it matter whether you were male or female?
Now, a raft of new research suggests that ther...
Saving
Expert:
Galia Gichon
Reader:
Camille
Age:
25
Location:
Los Angeles
Welcome to Season 1 of The Money Fix! With...
Earning
Big tax changes are coming in 2011 as many rules are set to expire. A few to be aware of:
Prepare for tax hikes. Based on current laws, many tax rates will go up in 2011 (although that could change, depending on what the new ...
Budgeting
Expert:
Amanda Clayman
Reader:
Arden
Age:
"old enough to know better"
Location:
Massachusetts
Welcome to Season 1 of...
Spending
The first time my girlfriend and I argued about money, it involved a fancy furniture catalog. She pointed to a glossy photo and said, “I really like this side table. What do you think?”
What did I think? Of a $500 side table? Was she kidding?
...
News
Photo Courtesy of The Architect's Newspaper
Hey New Jersey, you're an inspiration.
Yesterday's stunning announcement from Governor Chris Christie, killing a $8.7 billion commuter tunnel, could be vi...
Saving
Expert:Gerri Detweiler
Reader:Julie
Age: 33Location: Texas
Welcome to Season 1 of The Money Fix! With the help of top national money experts, nine DW readers will tackle real-life money problems, and blog about their progress—righ...
Earning
A lot has been written lately about the so-called motherhood penalty—that working moms earn less than women without kids (or even working dads).
A new study has found that lower-income women are more likely to get slapped with the motherhood penalty&m...
Budgeting
Your dining out budget is tight, and adding a wine to the tab may put it over the edge. You may have noticed your favorite $10 bottle selling for $25 on the wine list. It's not a typo. Restaurants typically charge more than double the retail price for a bott...
Spending
Expert:
Beth Kobliner
Reader:
Charlotte
Age:
40
Location:
Washington DC
Welcome to Season 1 of The Money Fix! With the help of...
Investing
Times are tight. For the first time in a while, you may have trouble paying bills.
What to do?
You may have noticed an icon on the page of your utility statement online for a service called BillFloat.
As the name implies, BillFloat offers short-te...
Saving
Expert:
Liz Pulliam Weston
Reader:
Beth
Age:
31
Location:
West Virginia
Welcome to Season 1 of The Money Fix! With the help of top n...
Earning
So you want a raise, but you dread asking for it. Who can blame you?
Most normal humans—especially the females of the species—would rather extract a couple of molars with a socket wrench than negotiate for more pay, studies show.
Enter GetR...
Budgeting
They lurk in every budget—monthly bills and fees for services and memberships and accounts you no longer use.
Whatever it is, celebrate Cut It Out Day... and C.I.O. that dead weight now. (You're in good company: The whole DailyWorth team has confe...
Spending
Expert:
Amanda Clayman
Reader:
Arden
Age:
"old enough to know better"
Location:
Massachusetts
Welcome to Season 1 of...
Investing
Expert:
Galia Gichon
Reader:
Camille
Age:
25
Location:
Los Angeles
Welcome to Season 1 of The Money Fix! With...
Expert:
Galia Gichon
Reader:
Camille
Age:
25
Location:
Los Angeles
Welcome to Season 1 of The Money Fix! With...
Saving
Bad news: Nearly 25% of parents plan to use their own retirement savings to pay for college, according to a study released last week.
Cashing out retirement funds early, even for education, is a big no-no. The tax bite, never mind the lost savings, wi...
Earning
If "spending money to make money" has never made sense to you, consider the return on investing in a virtual assistant.
Hiring someone who can handle your backlog of scheduling, research or administrative tasks, can free you up to maximize your in...
Budgeting
If you have trouble budgeting—and thousands of our readers have asked for help on this front—a solution may be at hand.
A key ingredient in self-control, new research shows, is the f-word:
FUN.
What's puzzling is that you probably ...
Expert:
Gerri Detweiler
Reader:
Julie
Welcome to Season 1 of The Money Fix! With the help of top national money experts, nine DW readers will tackle real-life mone...
Spending
Expert:
Gerri Detweiler
Reader:
Julie
Welcome to Season 1 of The Money Fix! With the help of top national money experts, nine DW readers will tackle real-life mone...
Saving
You stare at your portfolio and worry. How is it going to grow into a nest egg large enough to sustain you when you're 70, 80, maybe even 90?
In addition to all the hints we've dropped about saving more, saving often, and—did we mention?&mdas...
Earning
Expert:
Amanda Steinberg
Reader:
Deb
Welcome to Season 1 of The Money Fix! With the help of top national money experts, nine DW readers will tackle real-life money...
Expert:Jacquette M. Timmons
Reader:Meredith
Welcome to Season 1 of The Money Fix! This new series connects eight DailyWorth readers with top national money experts who will offer each woman a game plan for tackling her specific money pro...
Budgeting
It happens every fall—all the little money chores you meant to tackle in the past year have now piled into a heap on top of your desk. Luckily, you have three whole months until 2010 ends—plenty of time to make smart choices that will pay off now and...
Spending
Expert:
Jacquette M. Timmons
Reader:
Meredith
Welcome to Season 1 of The Money Fix! This new series connects eight DailyWorth readers with top national money exper...
From Our Partner
Sponsored Post
Celadon Road is dedicated to promoting greener, healthier and more socially responsible living through direct sales of eco-fri...
Saving
Expert:
Carmen Wong Ulrich
Reader:
Amy
Welcome to Season 1 of The Money Fix! This new series connects eight DailyWorth readers with top national money experts who ...
News
DailyWorth.com Launches The Money Fix: A Real-Time Financial Coaching Project
Connects Community Members to Nationally Known Money Experts Beth Kobliner,
Liz Pulliam Weston, Carmen Wong Ul...
Earning
As the founder of two technology companies, I'm often the lone woman in a crowd of dudes. That’s why I love Women 2.0, an organization based in San Francisco, whose mission is to increase the number of female founders of tech start-ups.
A lot of w...
Budgeting
Capitalizing on the wave of Americans desperate to ditch their debts, a slew of new debt settlement companies have hit the scene, with flashy TV and radio ads promising to make your debt disappear.
But many engage in "abusive, fraudulent and deceptive ...
Spending
Q: I'm planning my wedding and I'd like to ask for cash gifts instead of doing a traditional registry. My fiancé and I already live together—we don't need china or a blender—but my mom says that's tacky. Is it?
A: Good eti...
Investing
A study by Prudential this year found that only 19% of women feel very comfortable letting a financial advisor guide their plans.
In a way, that's understandable. This survey and countless others also find that many women lack confidence when it comes t...
Saving
During our August trip to Disney World, my husband and 5- and 7-year-old sons received jaunty “First Visit!” buttons. When we got back, I wanted an “I Survived Disney Without Spending an Unholy Amount of Money!” button. Because, dang it, ...
From Our Partner
Sponsored Post
Earning
It takes guts to ask for more money. It's uncomfortable. But once you look at the impact a single raise can have on your Bigger Financial Picture—you'll decide that asking for more money, whenever you can, is a big shiny priority.
You'll l...
Budgeting
One of America's fiercest consumer advocates, Harvard Law professor Elizabeth Warren, was tapped by President Obama last week to become the interim leader of the brand-new Consumer Financial Protection Bureau, dedicated to making sure that ordinary people d...
Spending
For me, slimming our budget from two incomes to one has meant eliminating all the unnecessaries. So when I noticed that my husband was making daily purchases of $3 here, $2 there, for snacks at work, my blood boiled.
Did I need to point out that he was spend...
Investing
Do you need a will?
It depends. If your "estate" is comprised of IKEA collectibles, probably not. The real reason to get a will is to make sure that, in the event of your untimely death, that your spouse and children are cared for, and your valu...
Saving
You may have seen the numbers: In the last couple of years, the personal savings rate has kicked up from about 2%-3%—where it hovered for years—to an astounding 6% today.
Economists and government wonks can gripe all they want about how too much...
Earning
The mogul mom and her three kids
In 2004, I brought two baby blanket inventions to market and spent $54,300 on:
$15,000 custom e-commerce site; $2,000 custom logo; $1,300 stationery and business card; $2,000 me...
Budgeting
They say moving is one of the most stressful life events—and I'll tell you why: the sheer expense of that stuff shuffle. I’m planning a move myself next year, and by budgeting ahead I hope to avoid the big expenses—and the sneaky ones.
...
Spending
Last March I accepted the job as full-time CEO, COO and CFO of a little company I like to call the Taylor-Christensen household.
Prior to this, I'd worked in corporate America for 10 years. The happiness part eluded me, but the money kept getting better...
Investing
Your savings is sitting in some near-zero interest account and it's driving you crazy.
Solution: Make the most of available interest rates—a tad low these days—by setting up a laddered portfolio of CDs.
(Err, what's a CD?)
CDs, or...
Ceo Blog
Not sure what to say other than: OMG I'm in Cosmopolitan Magazine.
Saving
Target is making it easier for you to offload old phones and video games with a new trade-in program that we just read about (thanks for the tip, Barbara Weltman).
The good news: They take old iPhones, iPods, cell phones and video games—and give you u...
From Our Partner
Sponsored Post
It's time to get your tech on! Whether you're a blogger or just want a 2.0 upgrade for your career, join the Women Who Tech Telesummit:
September 15, 11 AM...
Earning
When times are tough we tend to engage in a lot of fearful chatter.
We replay limiting beliefs such as, “I can’t ask for a raise now.” Or, “I can’t make a career shift in times like these.”
This fearful chatter is he...
Amanda Steinberg is the founder of DailyWorth. My friends send me the best presents on my birthday. Last year Heather sent me a hula hoop. Sadly for them—they have ME in their lives. Every year I resolve to be the best gift-giver (or at least send a CAR...
Investing
This week, let's work together on 5 small steps that will enable you to worry less and feel more in control—so that it takes less effort to manage your finances this fall.
Most people don't know which financial documents to keep and which to...
Saving
This week, let's work together on 5 small steps that will enable you to worry less and feel more in control—so that it takes less effort to manage your finances this fall.
We all know the answer to the question, How many pairs of shoes does one ...
Earning
This week, let's work together on 5 small steps that will enable you to worry less and feel more in control—so that it takes less effort to manage your finances this fall.
Putting your money on automatic pilot is the deceptively simple principle...
Budgeting
This week, let's work together on 5 small steps that will enable you to worry less and feel more in control—so that it takes less effort to manage your finances this fall.
If you have struggled with a budget, maybe that's because you've ...
Spending
He took the toolbox. You took the flatscreen. Breakups are a bummer, but DivorceCandy has a solution. Set up a Divorce party and register!
Possibly the only website to make going splitsville seem like fun, DivorceCandy has articles (love "The Divorce B...
Investing
Square one
Every day we get the same plea from readers: "I have a little money to invest, but where do I start?"
Betterment, which offers online investing accounts with built-in portfolios, is an interesting solution for the getting-started crow...
Saving
Remember the good ol' home-buying days, circa 2006?
You took out a $450,000 adjustable rate mortgage, at 4.25% (set to re-adjust after five years, but who cared) and bought a $440,000 home—with just $10,000 down.
You can't get away with that...
Earning
Really? Yes. We are looking for women who are willing to:
make a substantive financial change for the better, and...
blog about their experiences here on DailyWorth.
Apply now for consideration. Between three and five can...
Budgeting
Knock the sand out of your ears—September is around the corner, bringing a bonanza of seasonal expenses. You need a roadmap to keep your money in track for fall. Here it is:
Remember your summer budget? Sure you do. Now you need a new one for a...
Spending
The quest for a car
My old car, a compact, was on its last legs—and I needed a vehicle that that could carry all my outdoor equipment (dirt bikes, snow boards, etc.)
I wanted to buy new—but I didn't have the money. So I decided right off t...
Investing
Is an MBA better than a CPA? Is a CDFA more qualified than a CFP? How do you sort through the alphabet soup credentials to pick the right financial adviser?
We'll tell you, PDQ:
CFA—A chartered financial analyst is a prestigious designation, o...
Saving
Have you ever popped into a shop to buy "a few things"—and left with a full bag?
Get hip to stores' spend-more ploys and you can save a bundle, says Philip Graves, author of Consumer.ology:
Watch out for labels
Studies sho...
Pop Quiz
Your financial IQ is growing. We bet you'll ace this pop quiz!
Deflation is...
the opposite of inflation.
when wages drop and so do prices.
when prices keep rising, but wages can't keep ...
Budgeting
If beauty products routinely blow holes in your budget, learn to shop smart (and cover those bare essentials).
Samples, Please
Shop sites and stores that are generous with samples, like Sephora, BobbiBrown.com, Drugstore.com and MACCosmetics.com. It pays ...
Spending
Allison is a pseudonym for a DailyWorth reader who shared her story of bk recovery.
I remember the day I went bankrupt. It was the moment my debt finally outweighed my shame. I'm bipolar, and one of the trademark signs of being manic is excessive spendi...
Ceo Blog
On August 12th, I was invited to participate in an Estée Lauder Breast Cancer Awareness campaign shoot. Here are some photos from the shoot. You'll see me and 6 other amazing women bloggers in the campaign launching in October.
Me, in make-up fo...
Investing
It hasn't been a good week for the economy—you've probably heard. There's been a steady buzz about deflation, the depressing jobs report, a recent statement issued by the Fed, and something called "The New Normal."
What's goi...
Saving
Suzanne Kantra is the founder and editor of Techlicious, a new site devoted to making tech easy and fun. This post originally appeared on Techlicious.
Is your keychain or wallet weighed down by customer loyalty cards? Use a free loyalty card app on your cel...
Earning
Catey Hill is the author of "Shoo, Jimmy Choo! The Modern Girl's Guide to Spending Less and Saving More."
Want to land that job? Start with the right handshake—it’s one of the first things a job interviewer will notice, and could s...
Budgeting
So your budget is suffering from a summer meltdown. Good news! That's normal. In fact, the occasional failure will make your budget stronger—if you follow these five steps.
Reframe. Success isn't a straight-arrow process. When your spen...
Investing
Galia Gichon is the founder of Down-to-Earth Finance.
We don’t want you stuck paying full freight for college in 10 or 15 years, so let’s explore that 529, shall we?
You may not know that...
There are two types of 529 plans: a p...
Saving
Bzzzzzzzzzzzz—your 9 year-old just sent you a text...
We’re spotting kids as young as 7 years old with cell phones. How do you choose a plan for your child when there’s so many varying needs and options?
Do you want to ensure your child ...
Earning
You've been toying with the idea for years: To go back to school and do what you REALLY want.
We asked over a dozen people who made that leap to tell us: Was it worth the time and money?
Overall, the answer was a resounding yes. Yet most people rep...
Budgeting
Denise Schipani is a mother of two. She’s the Mom Advice columnist for American Baby, and blogs at www.ConfessionsofaMeanMommy.com
I like to treat my five- and seven-year-old sons, but I don’t want them to believe Silly Bandz fall from heaven, o...
Spending
You hear about cash-back cards all the time—but which ones deliver the goods? These four cards deliver the most buck for your bang. But remember: As with most rewards cards, you MUST pay your balance in full and on time each month or get hit with steep lat...
Investing
Q: How can a lower- or middle-income couple invest? We don't have much money.
A: Investing doesn't have to be a big bucks endeavor, and you don't need a Ph.D. in Wall Street.
Let's take one step today. In some ways, it's wiser to g...
Saving
Heidi Hackemer in one of her Six.
From the Little Brown Dress project to the Great American Apparel Diet, Americans have had a long, conflicted love affair with the strip-down-to-basics movement.
Here we are, a...
Earning
Lines around the block! A new tell-all TV series! Is Snooki dumping her poof? Did Lindsay make parole?
No, but Georgetown Cupcakes—the hot bake shop started by two sisters in Washington—just hit the big time with "DC Cupcakes", a six-p...
Budgeting
So much to track
The top concern that emerged from our latest reader survey wasn't starting a budget, but sticking to one (45% of you said so). Why?
One of the biggest budget busters is—surprise!—not how you spend, but how tough it is to t...
Spending
If only I had a...
You need a 20-foot ladder to paint your gutter, a jogging stroller while you work off baby weight, or a projector for outdoor-movie-night.
Why drop a $100 on something you'll only use briefly, when you can borrow or rent it inste...
Investing
After her night cap with Mr. Bond, Julie returns home and Skypes with her best friend, Cristina. Cristina: But who IS this guy? And why are you letting him tell you what to do with your money? Julie: I'm not 'letting him' do anything! He works in finance, and I th...
Saving
Caitlin O'Toole writes the Miss Jobless Chronicles for MediaBistro.How have I survived months of un- and underemployment? I put away emergency money away for years. I was always the annoying friend who would say, "No, I can't go to that new movie, I'm trying to save...
Earning
OK, faithful DailyWorth readers. We want your opinion. Following is a summary of a slideshow that ran on the Huffington Post last week, with the rah-rah title of: "8 Jobs in Which Women Make MORE Than Men" First of all, we're not sure that digging up eight occupat...
Budgeting
Erica Sandberg is a credit expert and columnist for Creditcards.com. She is also the author of "Expecting Money: The Essential Financial Plan for New and Growing Families." Should you co-sign a loan or credit card for a friend or relative? I get this question a lo...
Spending
Catey Hill is the money editor for the New York Daily News online and the author of "Shoo, Jimmy Choo! The Modern Girl's Guide to Spending Less and Saving More."Snack before you shop A new study suggests that hunger might hurt your financial decision-making, while a...
Investing
Investing pros have a number of criteria they use when choosing their investments. An important one to know is the difference between large-cap, mid-cap and small-cap companies. Cap means capitalization The secrets of the investing world can be yours, once you mak...
Saving
Let's say you're a Target shopper who gets the occasional mani-pedi, subscribes to Oprah magazine, and buys rice milk by the case. (Sounds like Amanda, doesn't it?) Enter Offermatic—a money-saving service that bills itself as the "freak love child of Mint, Gro...
Earning
Just say the phrase "rental property" and people's eyes light up. Everyone knows that rentals have the potential to generate income above and beyond the cost of carrying the property.
And some folks do turn a nice profit from rentals.
But...
Budgeting
In 1906, an Italian economist named Vilfredo Pareto noticed that 80% of the peas in his garden came from only 20% of the pea pods. (You may have heard that most people wear 20% of their wardrobe 80% of the time.) Enter the Pareto Principle, often called the 80/20 Rul...
Spending
Tara Gentile is the blogger behind ScoutieGirl and the founder of a boutique web design company.Minding your money It pays to consider where our money goes once it has left our wallets. What are we really buying? Mindful spending is not about getting by with less, ...
Investing
Julie returns home after a disappointing date with Karl, but determined to research investing options for her 401k.
Julie: [sobbing at her computer] I'll never understand it all! What's a front-end load? Who is Wilshire? Oh my god—I have until...
Saving
Sudden savings alert! Mortgage rates are dropping again. How much could you save if you refinanced at a lower rate?
At the moment, a 30-year fixed rate loan is about 4.75%; a 15-year fixed is about 4.02%, according to Bankrate.com.
Pay less, save more
...
Earning
You may know me as DailyWorth's editor, but I still write for many other publications. And as a long-time free agent in the journalism world—12 years and counting—you'd think that I'd know how to negotiate by now.
You'd think tha...
Spending
Holiday weekends wreak havoc with people's budgets. (Did you need another swimsuit? No. Did you buy one? Yes.)
But there's particular spending hazard to beware of during the Fourth of July weekend.
Yard sales?
Excessive...
Investing
The third installment of "As the Portfolio Turns"—in which Julie argues with Karl about the merits of investing in the stock market—sparked quite a debate about the stock market's profitability:
How much can you expect to gain over...
Saving
Dear DailyWorth,
Help! I have 11 weddings to attend this summer and fall—but I can’t afford 11 presents, never mind numerous shower gifts, bachelorette parties, hotel stays. Is there a budget-friendly solution?
—Overwhelmed by Weddings
...
Entrepreneurship
Fact check
It drives me crazy when I talk to entrepreneurs who are stubbornly attached to projects, ideas, services, blogs—without a clear path to meaningful results or revenue.
Yes, commitment is required to be successful. I'm just concerned th...
Budgeting
OK, Ladies: That was an awakening.
In response to our recent poll, about half of you admitted that you either don't have a budget, or the one you have is a bust.
We hear you. We've sung the budget blues. But we also know that the right system can tr...
Spending
Dr. April Lane Benson is a psychologist and author of "To Buy or Not to Buy: Why We Overshop and How To Stop."
Dear DailyWorth,
I suffer from a phenomenon that I can only describe as my "boiling point." I scrimp and save until—BA...
Investing
Julie is torn about how to handle her retirement. Mr. Bond's conservative approach (Episode 1) sounds wise, but her boss Karen's DIY strategy (Episode 2) has an off-road appeal. She meets Karl at a café, after work.
Karl: You know, I'm n...
Saving
1 by 1 by 1
By increasing the amount you save by a mere 1% every year, you could quadruple your nest egg. Here's how:
Bank on this
Let's say you make $60,000 a year, and that you're saving 5% of your income.
Let's also assume ...
Earning
Kate Hanley is the author of "The Anywhere Anytime Chill Guide," and the creator of the Ms. MindBody website.
Ch-ch-changes...
How do you change old financial patterns so you can earn more?
The road to wealth is paved by saying the word &qu...
Budgeting
Kenia Perez works in the aerospace industry in California.
Time and money
Give yourself a week to do a task, it will take a week—but give yourself two days, and it will take two days.
This phenomenon is known as Parkinson’s Law, which sta...
Spending
Caitlin O'Toole writes the Miss Jobless Chronicles for MediaBistro.
When you're under- or un-employed for a long time, like me, you begin to dwell on all the material things you don't have. The catalogs that land in your mailbox seem to be sent ...
Earning
What a long strange trip it has been.
Our Tuesday post—about one woman's job negotiation, in which she admitted having inflated her salary—provoked a feisty debate about the ethics of lying about your income.
Alas, what got obscured in ...
Saving
When we requested money-saving tips for wedding guests, we didn't expect to hear from... a bride!
But like many practical women, this reader believes in creative thinking—especially when guests can't afford $150 place settings, and there are m...
Earning
This post has been retracted.
A message from DailyWorth founder Amanda Steinberg:
When I started DailyWorth, I had a lot of goals in mind. Among them was the desire to help women become great negotiators by learning the tricks of the trade. Another was to...
Budgeting
Oops, you did it again
The problem with spending plans—whether you have an official budget or not—is that they don't swing with real life demands.
You planned to spend $300 on groceries this month... but friends were visiting and you spent...
Gift Guide
Skip the funny boxer shorts, obligatory tie or weed wacker next weekend. The dad in your life deserves some fun this Father's Day.
Pin him down. Fights are natural with that feisty guy you love. Now the perfect arena fo...
Investing
(Missed last week? Catch up on Episode I)
Still pondering her encounter with the mysterious Mr. Bond, the next day Julie is confronted by her new boss, Karen, a single mom, who is head of the physical therapy department at the hospital.
Karen: What a m...
Ceo Blog
At last! A place to write about DailyWorth behind-the-scenes, and maybe even crowdsource the creation of the ever-evolving business plan. Stay tuned. Lots of posts on the way.
Saving
From CouponMom to Groupon, coupons have never been hotter. At first glance, the pile of circulars advertising "Buy 10, Get 12 FREE fruit roll-ups" may not seem so appealing (especially if you never planned to buy fruit roll ups in the first place), but...
Earning
For worse, not better
Divorce is rarely kind to women. You knew that already.
But women—even wealthy women like Tipper Gore—face special risks when a long-standing marriage falls apart.
"The biggest assets later in life are usually t...
Spending
DailyWorth recently reviewed Spent. The following is an exclusive post by Cardella for our readers.
Sigh.
So often we focus on the dollars and cents necessary to get our financial life back on track—and fail to acknowledge the emotional currency req...
Spending
Two national debt debacles have been popping into the headlines lately:
For the last 18 months, some 650,000 homeowners haven't paid their mortgages; many are using the money to get back on their feet.
As 1.7 million students look...
Investing
Meet Julie, a 34-year-old physical therapist who is trying to set up a retirement account for herself. She goes to a party and meets Jim Bond, an older gent with an air of mystery about him.
Julie: Do you think that dip has sour cream in it? I'm allerg...
Gift Guide
Of all the gifts you got when you graduated, which do you remember best? Almost none, right? That's because most people probably gave you money. And while we are fond of money for most things, a graduation gift is one where the cash is best spent by the give...
Earning
Disappearing act
Here today, spent tomorrow. How can you hang on to more of those precious dollars you earn?
Income protection is on the way, with the publication of "Your Money: The Missing Manual," by J.D. Roth, founder of the award-winning blog...
Spending
Soaking up the rays
Given the amount of sunscreen you'll slather on this summer, it's important to know that you're getting the best SPF for the buck.
Just as summer is heating up, Consumer Reports has released their 2010 list of superior suns...
Saving
Manisha Thakor is a personal finance expert for women.
Q: Help! I'm about to graduate from college and head to veterinary school, but I'm living paycheck to paycheck—even though I have $120,000 stashed away. It's my house fund and I refuse...
Investing
Worth a second look
You know that low-key guy—the one in the next cubicle, or down the street—who's not exactly a hottie, but... he has something going on?
In the investing world, that quiet charmer would be the exchange-traded fund—kn...
Earning
Boys club
Picture this: Rookie walks into the bar for a beer after work. He strikes up conversation with Mr. Career Man while watching the football game. They talk sports... and they talk business.
Mr. Career Man thinks the kid’s got potential, give...
Budgeting
Money almost seemed like a fifth character in "Sex and the City"—always hovering in the background. So in honor of "SATC 2", out this week, we revived the old "which girl are you" game, and added a financial twist.
To pla...
Spending
Nickels, dimes, quarters
If you're self-employed, the not-quite quarterly tax payment deadlines can be a pain (Jan. 15, April 15, June 15, Sept. 15, what?).
You need a surefire system to keep your tax savings on track—so you don't end up owi...
Investing
Sophia Bera is an associate planner for a fee-only financial planning firm in Minnesota. She just passed the exam to become a Certified Financial Planner and will get her CFP designation in August.
Here's the math
Many people think: “I’ll ...
Saving
What if you woke up one day and women controlled most of the economy and financial sector?
What would that mean for women personally? How would greater female wealth change politics and policy—our families and futures?
Start banking on it now. Th...
From Our Partner
Sponsored Post
For many of us, retirement seems so far away that even thinking about all of the choices we should make is overwhelming. You tell yourself there are more pressing ...
Earning
Cliff Notes with a kick
Your potential is dazzling. Your will to succeed—a tireless force. So what will your pool-side reading look like this summer?
Check out "The Skinny on Success", part of a new series of short books on deep topics by ...
Budgeting
Sunscreen, flip flops and...
You want to relax on vacation. The trouble is, so does your budget. Here's how to make sure your trip doesn't turn into a fiscal fiasco.
Plan to spend. Most people have a ballpark figure for what a getaway will ...
Spending
Amanda Steinberg is the founder of DailyWorth.
When I was a kid, being raised by a single mom, money was tight. But I always believed that when I crossed a certain income threshold the money stress would evaporate. I'd be free of the need to be frugal&mdas...
Saving
Thank you for your many candid responses to yesterday's post on haggling.
It got us thinking: about the issues that face small, skill-based businesses; about the reason for negotiating; about the challenge of pricing one's goods or services.
Ma...
Investing
Be calculating
How much money do you need to save for retirement? That's a good—and complicated question.
Let's keep it simple. For now, you're going to nail down a ballpark figure.
Goose egg or nest egg?
Use online calculators wi...
From Our Advertiser
What would you do if you didn’t spend so much on credit card interest?
Save towards a dream vacation, a new tech gadget, or simply more nights on the town? While some of us may have asked o...
Saving
License to bargain
Most people assume that bargaining should be limited to homes, cars and silly tchotchkes you buy on vacation.
Noooooo, say expert hagglers.
When it comes to haggling, everything and anything is fair game—from flat screen TVs...
Earning
Reality check
What do your skills command in the marketplace right now?
If you feel like your self-value has gotten stuck at your current income or fee, it's time for a check-up using one of these online calculators.
(Footnote to entrepreneurs: Y...
Budgeting
You know Kenia. She's a devoted DailyWorth reader (and commenter) who works as a systems engineer in California. Here, her get-out-of-student-loan-debt report.
In January, after three years of repaying my student loans—without much progress—my...
Spending
By Manisha Thakor, personal finance expert, speaker and author of "Get Financially Naked."
Do you ever feel like your possessions are holding you hostage? Or you’ve bitten off more stuff than you can chew? If so, you may be suffering from......
From Our Partner
Sponsored Post
You know that you spend a fortune on small stuff like magazines, coffee, treats at the movies and lunches out. You know you should cut back, and save the money ins...
Investing
Easy money
Reverse mortgages sound like a godsend for older folks who need cash. But if your mom and dad are considering one, pay attention.
Seniors who qualify can "reverse" their mortgage and withdraw a wad of home equity in the form of a loan...
Saving
Survey says...
Although working women are just as likely as men to save for retirement, they're less confident about their ability to plan—and more uncertain about how much income they'll need, according to a recent survey by the Employee Benefit...
Earning
More than a paycheck
In today's unpredictable job market and economy, it's smart to think about developing multiple streams of income.
Whether starting a side business, becoming a consultant or learning to invest, you can capitalize on your exist...
Budgeting
Mom would approve
Every year it sneaks up on you—Mother's Day (hint: May 9).
We'll leave the last-minute gift scramble to you (brunch? flowers? a... scarf??), and instead focus on this felicitous financial opportunity.
If you don't ...
Spending
The end of shopping
Despite its chic-lit sound, "Spent: Confessions of Shopping Addict," by Avis Cardella, is a fresh and gritty memoir of the financial and emotional devastation that can result from a shopping habit gone amok.
Unlike the fluffy...
Investing
Gotcha!
Deep in DailyWorth headquarters, we are preoccupied with one thing: Building your worth.
So when it comes to investing, we look for any way—including standing on our heads—to grab your attention.
Pathetic? No. Cunning! Be honest:...
Saving
Discount doesn't count
The beauty of buying a handbag, digital camera or sofa on sale for "50% OFF!" is that you feel, deep in your wallet, that you are saving 50% of the price.
But you're not, notes Peter Tufano, professor of consumer ...
Earning
Tara Gentile is the blogger behind ScoutieGirl and the founder of her own boutique web design company.
Bye-bye retail
In the fall of 2008, when my maternity leave was over, I quit my dead-end retail job and decided to explore work of my own making.
...
Budgeting
Was ist los?
Last year a provocative study by researchers in Germany seemed to find a link between people who were deeply in debt and those who were obese.
According to this ABC News report: "Taking other factors into account, the authors found that...
Investing
For love, not money
For years, investment pros looked askance at so-called socially responsible investing options (SRIs).
Sure, investing in green causes was fine for tree-huggers. But nobody with an ounce of financial sense would pick values over... valu...
Saving
It's a jungle out there
For some reason, some of the best savings sites boast four-legged mascots right now. Cutesy-ness aside, join these free services and you can save like a wild thing:
SmartHippo
Why a hippo? We don't know. But this lo...
Earning
Work-family imbalance
For working moms in search of that elusive work-life balance, part-time employment can look dreamy: You bring in some income, but still have time for your family, your home, maybe even (gasp) yourself.
In fact, 62% of working mothers...
Budgeting
Jacquette M. Timmons is the author of "Financial Intimacy: How to Create a Healthy Relationship with Your Money and Your Mate," and founder/CEO of Sterling Investment Management, Inc., an investment education and financial coaching firm.
When budg...
Spending
When wishes come true...
It's 11:29 PM and you're still clicking around the web, in a fit of late-night (only vaguely satisfying) retail therapy. Look—click—add to cart—repeat.
If only there was some way to corral the gems you fi...
Investing
Fairytale gone wrong
Once upon a time, about 15 years ago, a fierce dragon was terrorizing a small village...
Wait, sorry! Wrong story.
Back in the 1990s, a terrible retirement problem was looming. Traditional pension plans were disappearing, 401k pl...
Saving
Small things considered
We love small steps here at DailyWorth. Money can be arduous and complicated—but who needs that?
Rather than attempt a massive lifestyle overhaul (way too much effort!), it's smarter turn your financial life around with a...
From Our Partner
Sponsored Email
O Magazine Turns 10!
May 7-9, 2010
For the last decade, O, The Oprah Magazine—never mind its fabulous founder, the O herself—has transformed how wo...
Entrepreneurship
Today’s DailyWorth is for entrepreneurs.
Put on your thick skin. It's time to get down to business.
A model approach
As a successful entrepreneur, friends regularly approach me to share new business ideas.
Can I be honest? I'm not ...
Saving
When spending heats up
Warm weather seems to sweat the cash right out of your wallet. At least during the winter holidays, you get constant reminders to watch your budget.
All you hear now is that inner voice: "But I need a..."; "We should ...
Profiles
Gabrielle Bernstein is a motivational speaker and author of "Add More ~ing To Your Life: A Hip Guide to Happiness."
Blame less
A topic at the forefront of my mind is the unfortunate fact that women still earn 20% less than men.
I am so piss...
Spending
Sneaky taxes
Every time you buy a bottle of wine or a pack of cigarettes, you pay an added price for your vice in the form of a small, built-in sin tax. Gambling is also taxed. Soda is the next hot ticket.
(Some states have even considered taxing video ga...
Saving
That "Big, White Wedding" Bill
As DailyWorth reader Emma noted, many people justify wedding extravagance because "it's the happiest day of your life," when in reality it's just the start. "I think you should spend less on flowe...
Taxes
Fear of April 15th
If 2009 was rough, and you're afraid that you may owe the IRS money—money you don't have—the answer is not to play hooky on tax day. Between stimulus package tax credits and a possible refund, you may be in better shape t...
If you missed the "Know~ing Your Worth" event, watch it here now!
Hosted by motivational guru Gabrielle Bernstein, author of "Add More ~ing to Your Life," featuring DailyWorth founder Amanda Steinberg, the event drew 150 women,...
Insurance
Plan D
You shudder to think about dying. But imagine if you died suddenly—and left your family with no financial cushion?
"That's why life insurance should be at the top of your To Do list—but it isn't, because it makes you think ...
Spending
MP Dunleavey is DailyWorth's Editorial Director.
Stress Spending
Last weekend was a hectic (but fun) time with family—but it was peppered with work, and followed by a high-pressure Monday morning meeting.
Worse, everywhere I went there was ...
Taxes
It has been a strange week for money, with the IRS recalling erroneous forms, California retailers organizing a debit card protest—and more. Keep reading for the best DW news you can use.
Wrong Forms Confuse Tax Payers
A printing error on 1040 forms...
Earning
Make a Plan, Stan
So you want a raise! Whether you plan to negotiate a raise next week or next fall, the key is careful prep work, says Kathi Elster, an executive coach in New York and co-author of the bestseller, "Working for You Isn't Working for Me...
Spending
Scam Alert!
You're hip to email phishing scams (an emerald mine in Nigeria? Who thought of that?)—and those phony calls saying that the warranty on your car is about to expire.
But con artists are going high-tech, so watch out.
Rip-offs on...
Saving
More Cash for Clunkers
If you need a new water heater, air conditioner, furnace, fridge or washer-dryer, now could be the time to buy it.
Under the new State Energy Efficient Appliance Rebate Program, many new appliances qualify for government rebates, ...
Entrepreneurship
Power point presentation
If you felt a blast of positive energy last night, either your tax refund arrived early—or you sensed the love emanating from the "Know~ing Your Worth" event, hosted by motivational guru Gabrielle Bernstein, author of...
Taxes
Meet TRAD
What is TRAD? TRAD is the Tax Refund Allocation Dilemma, and it's a hazard this time of year. Here's one reader's puzzle:
Q: I'm getting about $1,200 back for my tax refund. There are three things that I would like to do. What i...
Spending
Who gets the house?
No one wants to think about divorce. But even if you're happily married, you need to know how a split might affect your assets.
Many women assume that all marital property gets split 50-50—but that's not true, says Jeff...
Planning
Account busters
Banks make billions by charging people overdraft "protection" fees. The Center for Responsible Lending says that banks took in about $24 billion in 2008; estimates for 2009 are well over $30 billion.
New federal rules take effect...
Saving
Starting this Wednesday, personal finance advisor Galia Gichon is teaching a four-week teleclass for entrepreneurs. Use the code DAILYWORTH to get a 25% discount—and enjoy some of Galia's tips here.
Meeting your financial goals when you're se...
Couples
Mikelann Valterra, director of the Women's Earning Institute, is a prosperity teacher and money coach.
It caught up to me one day, back when I was married. I found myself screaming at my husband to make his own dinner while throwing a box of breakfast c...
Couples
Erica Sandberg is a credit expert and columnist for Creditcards.com. She is also the author of "Expecting Money: The Essential Financial Plan for New and Growing Families."
To read the original article click here.
Q: I just checked my credi...
Saving
In honor of St. Patrick's Day, we'd like to shift away from "the wearin' of the green" to the earning, saving and investing of it.
Pick one action from the list below to fill your pot of gold today.
Then, sure, have a green beer!
...
Investing
Investing has a sexy side? Well, it's not Lady Gaga sexy, but pretty close as far as the stock market goes.
Meet Mr. Strong, Silent and Profitable—a.k.a. the index fund.
What's so seductive about index funds? Pour yourself a cool beverage...
Debt
She has a good income, heinous debt, she's planning her wedding and—oops!—her fiancé just quit his job. DW reader Danielli wants off the financial rollercoaster, but how? Here the third installment in her series for DW. Read Part I and Par...
Planning
And now, your news-you-can-use roundup.
The I.R.S. Takes Visa, But...
If you decide to put your tax bill on a credit card, the National Foundation for Credit Counseling has some advice: First, find out what Uncle Sam's fee would be to charge your taxe...
Investing
Many of you have been following the Invest-Along-With-Ashley series, and we have a key update on the situation. As you may recall:
Ashley was eager to start a retirement account—and learned her mom had opened a Roth IRA for her a few years ago...
Spending
Denise Schipani is a mother of two. She’s the Mom Advice columnist for American Baby, and blogs at www.ConfessionsofaMeanMommy.com
So many money tips these days strike me as obvious. Brew your own coffee! Borrow books from the library! Shop the clear...
Debt
This post is a follow-up to Debt Diets Part I and Part II."
Mary Reed and Gerri Detweiler are co-authors of "Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights." They also answer debt questions at DebtCollection...
Gender Studies
Today is International Women's Day today—in case you forgot. It sounds like one of those faux holidays recognized only by the U.N. and feisty women's groups.
That's partly true, but there are a number of reasons to take note of the recent...
Entrepreneurship
Back in May 2009, when DailyWorth was just learning to crawl, we published a post called "Sell Your Friends"—inviting our readers to promote their friends to the DailyWorth community.
Good karma. Good business.
It was such a success, w...
Investing
You may have heard the phrase, "A mutual fund is a like a basket of stocks." (Here, we compared a mutual fund to a box of wines.)
Now it's time to explore what that really means, as part of our new Investing 101 series.
When you buy sha...
Couples
Erica Sandberg is a credit expert and columnist for Creditcards.com. She is also the author of "Expecting Money: The Essential Financial Plan for New and Growing Families."
All moms are working moms. Though you may not be bringing home a paychec...
Saving
Gotta love that tax code; You win some, you lose some. But it always pays to know recent changes, like these:
Lost your job?
Although you may owe taxes on your unemployment income, you can also deduct a slew of expenses relating to your job search and m...
Saving
A post last week on the "Save-to-Spend" budget sparked numerous questions from readers.
Here, our best answers:
My monthly income is so low I can barely pay the bills. How can I budget to save?
Don't think of the saving part of your bu...
Saving
As the founder of DailyWorth, I have, perhaps, an abnormally obsessive determination to improve my financial standing. To me, that means growing my net worth.
On one front I've made significant progress:
Since resolving my Money Coma drama, I'...
Saving
Here it is, that sweet spot before one month ends and the new bills begin. It's time to breathe a quick sigh of relief... and do the saving sweep!
Check your accounts...
Peer into your purse or wallet...
Jog over to an ATM machine...
Empty your...
Entrepreneurship
Today's guest blogger Jenny Newcomer is a busy mom of 2 and the founder of LobotoME {eco-friendly organizational products} - For more information visit at www.LobotoME.com or Jenny's blog -- lobotomeblog.blogspot.com.
As an entrepreneur and mother ...
($) dailyworth sponsored post
Understanding Corporate Structures
Should I incorporate or form an LLC? That's the question. Both offer similar benefits, but there are also some key differences that you should und...
Saving
If you'd like to become an avid saver, and/or if you scored in the lower range on our budget quiz, try this Save-to-Spend plan. While most budgets are designed to control spending, this one is designed to expand your saving.
And strangely—wonder...
Saving
What does it take to become a steady, successful saver?
In honor of America Saves Week (Feb. 21-28), we are devoting these five days to help you develop the skills you need to reach your savings goals—including smart ways to budget and cut spending....
Philanthropy
You're not the only one with money on her mind. The International Museum of Women in San Francisco is now hosting an online exhibit called Economica. It sheds light on women's economic standing around the globe.
Here's a selection from the exhib...
Credit
The CARD Act of 2009, which takes effect on Monday, reins in some nasty practices, but leaves some loopholes you need to be aware of.
It's still up to you to know the terms of your cards, read the fine print and stay on top of any shenanigans that car...
Couples
Why do so many couples fight about money?
Because many of us lack the skills to have basic, house-cleaning conversations about financial topics.
Like all aspects of a relationship, financial intimacy must be nurtured, (slowly, patiently, lovingly) in ...
Vocab
Remember when a slice of pizza was $1.00 or a cup of coffee was 50 cents? (If that was before your time, bear with us.)
These days, depending on where you live, a slice is about $2.00 and a cup of ordinary non-designer coffee is about $1.25.
That'...
($) dailyworth sponsored post
Wracking your brain to come up with a smart gift for someone in your life? Here’s a little secret: You can give something that’s easy for you and them. A prepaid debit card....
Taxes
Wouldn't it be wonderful if you could get a tax break for living a greener life?
As yet, there's no tax credit for composting, buying organic chicken or using CFL lightbulbs. (Darn, those things are expensive!). But some eco-friendly upgrades can y...
Planning
Have you ever noticed that your financial life can end up looking like the hall closet—full of junk, loose ends and sweaters you meant to take to the cleaners?
That's why we invented Do-One-Dumb-Money-Chore Day.
Because:
You keep ...
Entrepreneurship
Readers, please note that DailyWorth is retracting the section below on the home office deduction, owing to the complexity of this particular tax rule. We will post a correction soon, and a lengthier post explaining this deduction. Please check back.
"...
Debt
As you may have guessed from my debut post, I'm not the best at setting goals. In fact, it has been hard to live up to my goal of... setting some goals.
To me, setting any kind of goal was always a double-edged sword. On the one hand, they're motiv...
Saving
Q: I'm 45 and I'm way behind on my retirement savings. What can I do?
A: Plenty! You have about 25 years before you retire (the standard 65 is inching toward 70), so let's make the most of the time you have.
Hint: If this topic makes you a...
Earning
Earning more is challenging, in part because your income gets calcified in your brain. Whether you work for yourself or someone else, it's easy to wander down the path of least resistance—I earn X, therefore I can afford Y—and get stuck.
In...
Saving
Valentine's Day weekend is just a week away—the perfect amount of time to put a little thought, rather than lots of money, into creating some sexy fun for your guy or gal. Here, an inspiring collection of our frugal favorites, from around the web:
...
Investing
When we met Ashley on Monday, she was pacing the floor, worried about her future savings—when suddenly she got the news that her mother had already opened a Roth IRA in her name.
This raised several questions for Ashley, and a particular one for many...
Earning
Erica Sandberg is a columnist for CreditCards.com, and the author of "Expecting Money: The Essential Financial Plan for New and Growing Families."
Confession: Like many women, I’m not skilled at negotiating proper compensation. This is iron...
Saving
Note: This post applies to Canadians, in part.
Millions of Americans use their tax refunds as a form of forced savings. You know who you are.
Money experts quibble with this strategy, arguing that when the government withholds extra money from your pa...
Investing
We recently heard from Ashley, 25, a documentary filmmaker in Seattle: "How do I get started on an IRA? Or a Roth? I want $340,000 in 30 years!"
We offered to help Ashley launch her retirement account, and she agreed to share her saga, as it unfo...
Taxes
(To our loyal readers in Canada and abroad, we're striving to one day make emails like this relevant to you.)
OK, beautiful people. You've got 76 days until April 15th. Are you ready?
Probably not. We're not. So we coaxed Erin Doland, reno...
Saving
Many thanks to all those who participated in last week's pop quiz!
Congratulations to Sophia and Kristina, our two winners!
Although several other readers came close—Stephanie, Amanda, Kateh, Jordana, Debi, Beth, Di, Jamie—we regret to...
($) dailyworth sponsored post
Meet Nellie Akalp. Mother of three. Law school graduate. Passionate entrepreneur. This is not your typical success story.
First, she started a company, MyCorporation.com, sold t...
Credit
Erica Sandberg is a credit expert and columnist for Creditcards.com. She is also the author of "Expecting Money: The Essential Financial Plan for New and Growing Families."
Q: I have been trying to improve my credit for about four years now, but ...
Etiquette
Caroline Tiger is an etiquette expert and the author of "How to Behave" and other books.
This rocky economy requires a quick review of basic money etiquette. Here, a few financial faux pas to avoid in 2010.
Le Gaffe: Constantly mentioning th...
Budgeting
Weekends are hard on the ol' budget—especially if you don't have one. To get your spending and saving in synch, try this stress-free method, created by Galia Gichon, financial planner and author of the "My Money Matters" kit.
To make t...
Planning
When we sent out the DailyWorth reader survey late last year, and we asked what your burning questions were for 2010, more than 80% of you asked for more practical information about investing, budgeting and saving.
Yet, when we delve into practical topics ...
Debt
This post is a follow up to "Debt Diet, Part I."
Gerri Detweiler and Mary Reed are co-authors of "Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights." They also answer debt questions at DebtCollectionAnswers...
Saving
You know the Six O'Clock Scramble: that dreaded, end-of-day moment when you realize—holy fishsticks, Batman!--you have nothing planned for dinner.
Should you dash to the store? Pray to the gods of leftovers? Aviva Goldfarb has a smarter, tastier ...
Saving
Q: How do I decide whether it makes sense to refinance my mortgage at a lower interest rate?
In this example, imagine that you're refinancing a $160,000, 30-year fixed mortgage that is currently at 6.5%, into a 30-year fixed at 5.5%. Your current paymen...
Saving
We've been staggered by the reader response to our SaveUp! campaign. So far, we have all pledged to save $246,656—and about 2,200 Euros—and the pledges are still rolling in! To aid you on your journey, answers to four common saving questions: ...
Spending
DailyWorth recently had the pleasure and privilege of interviewing Gretchen Rubin, author of "The Happiness Project" the same week that her book hit The New York Times best-seller list.
Gretchen Rubin's new book, "The Happiness Project,&quo...
Debt
She has a good income, heinous debt, she's planning her wedding and—oops!—her fiancé just quit his job. DW reader Danielli wants off the financial rollercoaster, but how? Here the first installment in her new blog for us.
My name is Da...
Investing
A recent study found that most investors who have target date mutual funds don't understand how they work.
What makes this discovery sort of funny—but not in a good way—is that the point of target date funds (TDFs) is that they were supposed t...
Earning
Mikelann Valterra, director of the Women's Earning Institute, is a prosperity teacher and money coach dedicated to helping women earn what they're really worth.
When you live in Noble Poverty, you tend to believe there is some unnamed vir...
Debt
Gerri Detweiler and Mary Reed are co-authors of "Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights." They also answer debt questions at DebtCollectionAnswers.com.
Just as the same old diet advice (eat less! exercis...
This post was contributed by Kate Hanley of Msmindbody.com, author of "The Anywhere, Anytime Chill Guide." You can read the original here.
Money worries revolve around numbers, but don't get stuck in your head. You can improve your financial...
Investing
Now that we're all focused on Saving UP!, I want to address one of the great IRA puzzles: What is the difference between a regular IRA and a Roth?
Luckily, it's an easy and fun question to answer.
Let's imagine there are two cars: a Che...
Saving
Ready, set ... JOIN Save UP! on DailyWorth, a year-long, savings initiative that will help every DailyWorth member build her net worth.
You now have thousands of women (all of us)—your built-in cheering squad and advisory board as you save (and unra...
Budgeting
The reason budgets fail—or people never try them in the first place—is that the budgeting concept is misunderstood.
Many people believe (or pray) that a budget will solve many of their money problems. A budget is really more like a blueprint: ...
Planning
So many money resolutions are ho-hum (pay off debt! make a budget! floss!). Here, a few fresh steps that will really turn your financial life around this year.
Spend time on your money. It's the most overlooked equation in personal finance: Tim...
Are you addicted, conflicted, hypnotized and CONSUMERIZED by the demon monoculture of materialism?
PRAISE the Lord and put away your credit cards, people! The Reverend Billy Talen-head of the Church of Life After Shopping--is here to SAVE you from path to et...
Entrepreneurship
As seen on Etsy.com today!
2010 is almost here. How can you improve your business operations? One simple yet incredibly important financial step you can take is to separate your personal and business bank accounts. No more comingling of accounts, no more gray ...
Vocab
The primary reason many people (especially women) feel anxious and alienated by the investment world is they don't know the lingo.
Think about it. Most women can quickly decode the following:
Sales of the new Donna Karan Hobo soared after Michelle ...
Saving
It sounds almost silly: A survey of drug store goods, in the January issue of Consumer Reports, found that items aimed at women tend to cost more—sometimes 50% or 60% more.
What's disturbing is how pervasive and financially poisonous the s...
Holidays
'Tis the season of giving on many fronts—personal and charitable—but in an economy like this one, it's hard to open your wallet. Some ways to let the spirit move you:
Don't feel pressured to give $100 to public radio or any ...
Home Ownership
Foreclosure rates are at an all-time high: nearly a million homeowners faced the big F in the third quarter of 2009 alone.
Millions more are on the brink, because of epic job losses and plunging home values.
If you're finding it hard to meet your...
Holidays
Need some inexpensive stocking stuffers for the wee ones in your life?
My Baby Loves ... Lullabies - $13.99 per album or $.99 per tune
on Amazon.com
Need a break from "Rock-a-bye Baby"? These ...
Spending
Holiday tips have become an accepted—and often expected—gesture of appreciation. But how much, to whom, and for what?
We've scoured the holiday tipping guides and consulted with etiquette expert Anna Post, to bring you the following holid...
Spending
Outlet malls lure shoppers with the promise of designer goods at fire sale prices—but many don't deliver bona fide bargains, so beware.
Here are three ways outlet malls tempt you to spend:
That looong drive. Consumer research shows t...
Saving
This post is the resolution to Amanda's Money Coma I and Amanda's Money Coma II.
When we last saw our protagonist (aka, moi), I had reduced $11,000 in unexpected bills down to $4,435.
Still, my husband and I had to resolve where that money w...
($) dailyworth sponsored post (?)
It’s year-end—have you thought about the tax deductions you need to make before rolling into 2010?
One way to cut your taxes substantially is to put a retirement pl...
Credit
It seems like the worst time of year to clean up your credit. But the holidays offer surprising opportunities to polish your record, boost your score and become more credit-savvy for 2010.
Say NO to store cards. The lure of 15% off at the register...
Earning
Mikelann Valterra is the director of the Women’s Earning Institute, a money coach, prosperity teacher, speaker and published author. Check out her blog here: www.savvywomenearning.com.
Why do many women struggle with earning enough money?
We c...
Spending
Around the world today, consumers are celebrating Buy Nothing Day as an alternative to Black Friday.
The idea is to put materialism on hold, just for a day, at the very moment when the pressure to spend is most intense.
What is the point, given that...
Saving
Me, hiding from my bills ...
Last week, in "Amanda's Money Coma," I shared my recent financial debacle with thousands of women. To my delight, most of you cheered me for exposing such a personal and awkward situation.
...
You want to get the man in your life a terrific holiday gift, but pricey gadgets are out. Never fear, DailyWorth is here—with our annual Cheap Gift Guide for Guys.
How Your House Works - $14.93
on Ama...
Dear Readers,
Your 40+ responses to Amanda's post last week ("Amanda's Money Coma") have inspired us!
Given the interest so many of you showed in Amanda's own dilemma, we think it's time to open the floor. We're planning...
Couples
Consider the marrying habits of the Pimbwe women of Tanzania.
A study published recently in the journal Human Nature, found that Pimbwe women tend to pick multiple mates—and their remarrying strategy seems to convey an economic advantage, as measure...
Saving
As the founder of DailyWorth, I have a responsibility to be on top of my financial game. Like many entrepreneurs, I'm obsessive about managing my business accounts--and occasionally that comes at the expense of my personal finances.
As some ...
($) dailyworth sponsored post
Ready for a change? Consider a career as a money coach. Karen McCall, the pioneer in the field of Financial Recovery sm Counseling, is taking applications now for her upcoming training.
...
Debt
Bankruptcy still has that whiff of shame and failure, but in some cases it's the best possible move under the circumstances.
The question is: Which circumstances signal that declaring bankruptcy could be the smartest move for you? Personal bankruptcy ...
Money Psychology
Meet today's guest blogger Ali Berlin. Ali is an Alchemist, a concept described by Deepak Chopra as "a teacher who can teach you how to turn yourself into a free, loving person is an alchemist and has always been one."
Abundance...
Our friends at Scoutie Girl Gifts created this gallery of frugal gift ideas in honor of DailyWorth.
Gator Set of Coasters - $15
by Tree of May
Made with repurposed neckties, gift these coasters to...
Couples
He says lease. You say buy. He says Shoprite. You say Whole Foods. No matter how you say it, talking money is tough.
The experts agree. According to a 2009 report in the sociology journal Family Relations, marital conflicts about money were more pervas...
Investing
It's much harder to save when you're self-employed. Nobody in HR is going to coax you out for a power point, some coffee and a few prospectuses—and then set up automatic contributions for you.
You have to do it yourself. And you must. And wi...
Money Psychology
Christine Merser blogs at FreesiaLane.com
Do I really need to have this conversation with all women?
I left for LA and a female co-worker offered to watch my fabulous dog Luke.
“Oh, no need to pay me," my co-worker said. "I am ha...
Investing
Dear DailyWorth,
I recently heard that a co-worker used some of his 401k money to pay off a credit card. I am 27, and have $11,000 in credit card debt. Should I do the same?
~ Katie M
Dear Katie,
GACK! NO. And here's why: It will ...
Saving
Manisha Thakor is a 15-year veteran of the financial services industry and the other of Get Financially Naked: How to Talk Money with Your Honey.
Tough economic times have tested the vast majority of Americans – and that includes celebrities.
...
Home Ownership
Christa is a product developer and writer based in NYC, and loves when art and business come together in equal amounts in her life. You can find her on Twitter, on Curating a Creative Life, her own blog about creativity, and as a weekly contributin...
Budgeting
If you dread the B word and wish you could manage your money without brown-bagging your lunch or fretting about your heating bill, maybe you can—and maybe you should.
The cutbacks and micromanaging that drive conventional budgets steer people in the...
Investing
While the number of women-owned businesses has increased exponentially over the past decade, we're not raising venture capital to grow our businesses.
What is venture capital, and why should it be on your radar?
Venture capital (VC) is a type of fu...
Spending
Turns out Mom was right: One of the best ways to save money on groceries is to (drum roll) ... make a list!
NO. Yes.
In a study published earlier this year by Consumer Reports, researcher Tod Marks (aka "Tightwad Tod") shopped for 30 househ...
News
It's an odd mix of economic events.
This morning, the Commerce Department announced that the Gross Domestic Product—the main indicator of America's economic health—grew at an annual rate of 3.5% in the third quarter.
Sweet.
B...
Dailyworth Press
Listen to Amanda Steinberg, Founder & CEO of DailyWorth, in an interview with leadership experts Drs. Cathy Greenberg and Relly Nadler.
[ LISTEN NOW ]
Budgeting
It's Halloween. Soon Thanksgiving. And then the holidays. Are your wallet and filing cabinet ready?
Here are four questions to ask yourself as the end of 2009 approaches:
What gifts do you have to buy, how much will you spend, and is the c...
Insurance
Dear DailyWorth,
My family of four has health insurance through a group of small business owners. Our Health Savings Account keeps the monthly bill lower than an HMO, but I feel vulnerable. What should I do?
~ Susan G, New York City
...
Earning
As women, we chronically devalue ourselves. It's not an easy habit to break. I just did it, but it has taken years.
Breaking the Habit
First, in an odd way the economy has helped. Money is tight and low-balling is rampant. I've been going throug...
{$} dailyworth sponsored post
Most consumers have no idea what they spend each month on household essentials like toilet paper, trash bags, toothpaste or diapers. Shopping for these items is not only a chore, but ris...
Spending
Dear DailyWorth,
It seems like all of my friends are either getting married or having babies. While I love my friends, I can't afford all the parties and gifts that I'm expected to pay for! I am in debt and can't afford my own groceries let al...
Budgeting
Mikelann Valterra is the director of the Women's Earning Institute, a money coach, prosperity teacher, speaker and published author.
Did I Spend Too Much?
My little sister is getting married in November and we are in high wedding gear. As the siste...
Money Psychology
Affirmation:
I always have everything I need. There is more than enough of everything for everyone at all times.
***
Meet today's guest blogger Ali Berlin. Ali is an Alchemist, a concept described by Deepak Chopra as "a teacher who can...
Investing
By choosing a socially responsible investment (SRI) fund, you don't have to sacrifice performance. According to Victoria Collins, PhD, CFP, a Senior Managing Director of First Foundation Advisors, "SRI funds perform as well if not better than any ot...
Investing
Thinking of saving money for your golden years? Good thinking. You’re never too young to start stuffing the coffers. Two popular retirement investment vehicles are the 401K and the traditional IRA (individual retirement account). Simply put, a 401K is a ...
Investing
At a certain point in life, you have to confront the underperforming assets—people, investments and possessions that you stubbornly (or fearfully) hold onto, even though they no longer enrich you or your bottom line. You know: The friends who are more trouble...
Investing
Galia Gichon is the founder of Down-To-Earth Finance.
An index fund is a mutual fund that duplicates as closely as possible the performance of a particular stock market or bond benchmark, such as the S&P 500, the Nasdaq 100, the Dow Jones Industrial A...
Investing
Today’s post is by DailyWorth expert Manisha Thakor -- financial literacy advocate and 15-year veteran of the financial services industry. For more information, you can visit Manisha's website at http://www.ManishaThakor.com or follow her...
Cars
The cost to insure your car has been going up in recent years. It's expected to continue to increase this year. There are steps you can take to keep your costs down:
Ask your insurer if your policy is in line with your needs. For exa...
Spending
Spent by credit card and debit card options? Here's an alternative: credit union credit cards.
What's a Credit Union?
Unlike a bank, a credit union does not have investors or stockholders. Credit unions have members (YOU!) in which all profits a...
Earning
Today's guest blog post by Danielle Maveal was first posted on Etsy.com's The Storque: How-To blog. Thanks Danielle for letting us feature this golden nugget of start-up goodness.
Want to get a shop started on Etsy? Don't know where to start? This...
Saving
Q: I am a 23-year-old professional, and I'm eager to buy a home. I just landed a new job with great pay and benefits. What's your advice to a young woman ready to spread her wings? {
A: First, you need to decide how much home can you afford.
I...
Spending
What’s a budget-conscious grocery shopper to do? There are obvious tips like ‘buy fruit in season when it’s cheapest,’ and ‘shop the sales,’ and ‘always shop from a list.’ Even if you’re not shopping the sa...
Spending
Today's guest blogger Jenny Newcomer is a busy mom of 2 and the founder of LobotoME {eco-friendly organizational products} - For more information visit at www.LobotoME.com.
Today's guest blogger, Jenny Newcomer, is the creator of Lobo...
Loans
Just what is a balloon mortgage, and should you be wary of this type of loan?
Remember, oh, about a year ago, when the credit markets went haywire and we learned that millions of Americans had taken out home loans they suddenly couldn't afford? A numb...
Money Psychology
According to Marcus Buckingham, a former Gallup researcher and bestselling author, women today are more unhappy than they were 40 years ago. In his latest book, Find Your Strongest Life: What the Happiest and Most Successful Women Do Differently, Buckingham as...
Saving
Need $10,000 to renovate your kitchen? How about $2,000 to buy a new computer? Big expenses happen. Here's a way to save for large, one-time, non-budgeted expenses:
Set up a separate savings account (try ING DIRECT (9/9/09 APY: 1.3%), SmartyPig.com (9...
Budgeting
A DailyWorth member recently asked us:
For the first time in years, I've paid my bills, paid off my credit card, and have a $2,000 cash surplus! I have an $80,000 HELOC (Home Equity Line of Credit), and I'd really like to fund my Roth IRA. Should ...
Earning
When I arrived last week at the Pennsylvania Governors Conference for Women cocktail hour, I knew no one. There I was, sucking on my Pinot Grigio, staring blankly into my iPhone, with no one to talk to. Rapidly the night transformed and I was gabbing with jour...
Entrepreneurship
LLCs, or Limited Liability Companies, are relative newbies to the business structure world, but they’re all the rage. Key among them is the limited liability. An LLC’s members (think of them as shareholders) are not personally liable for the busin...
Investing
A private college education could cost more than $400,000 in 18 years. 529 plans are federal tax-free savings funds specifically designed to help you save for your kids' college expenses. Some parents open a 529 plan when their child is born. If you're...
Saving
Every three years or so, your computer will die, or it will become so slow and buggy you'll want to kill it. Starting over with a new computer can be a painful, costly, time-consuming headache. Here are three ways to save yourself money and time.
...
Earning
On Thursday September 18th, 2009 Pennsylvania Governor Edward Rendell addressed a crowd of 4,000 women at the Pennsylvania Governor's Conference for Women, a day-long event featuring seminars, workshops and speakers geared toward empowering women. Gove...
Investing
Starting in January of 2010, anyone with a traditional IRA will be able to convert to a Roth IRA, even if your adjusted gross income is more than $100,000 per year. You'll have two years to pay taxes on any tax-deductible contributions you've made to ...
Earning
Mikelann Valterra is the director of the Women's Earning Institute, a money coach, prosperity teacher, speaker and published author. She wrote Why Women Earn Less - How to Make What You're Really Worth.
On Friday I took my ten year old ...
Moms
Concerned about your daughter's obsession with princesses? You should be, but not for the reasons you may think. Laura Vanderkam's recent op-ed in USA Today titled “The Princess Problem” suggests that your girl's fondness for princesses is ...
{$} dailyworth sponsored post
Life is too short to drink bad wine. According to wine maven Mark Censits, founder of Princeton-based CoolVines.com, the most important factor in selecting a wine is taste.
Unlik...
Spending
You finally got what you wanted. Out of the one-bedroom apartment and into a fantastic house loaded with charm, lots of light, airy rooms — and a monthly mortgage. Suddenly, your dream house feels more like a money pit. Here are eight ways to figure out if y...
Spending
You need to know what you spend, every month. You can't manage your finances, amass wealth, take nice vacations, or buy new boots for fall without that annoying guilty aftertaste, unless you know how much your life really costs. You might think you need $8...
Earning
You know that saying "Careful what you wish for, you just might get it?" Here’s a twist: Careful the amount of money you seek to make, you just might earn it.
According to “Client Attraction” coach Fabienne Frederickson, a recent...
Entrepreneurship
Today's guest blogger,
Lea Endres
Amanda Steinberg, the founder of DailyWorth, and I have been close friends for almost a decade. Today she turns 32. For her birthday, I wanted to share with DailyWorth readers a bit of the story behind Daily...
Spending
With the economy on sick leave, everyone is talking about tightening their belts. Maybe you should too. Here are three simple ways to spearhead your expense-cutting campaign:
Your cell phone. If you're using more than your allotted minutes per mont...
Entrepreneurship
I have two kids and run two businesses. My kids are a 7-month-old girl and a 3-year-old boy. My first business, a Web consultancy called Soapbxx, will gross $300,000 in 2009 and employs eight people. The second company, an online finance publication for women ...
Taxes
Accountants keep running lists of ways to audit-proof tax returns, and you should, too. For starters, avoid using any round numbers on your return. For example, if you report that you earned $45,000, instead of $47,890.26, it sends a red flag to the government tha...
We're on hiatus through the end of August. We'll be back to our main shtick on September 8th. In the mean time ...
When DailyWorth launched back in January ('09), we offered a different kind of email service. Our earliest emails were sho...
Our minds and bodies need rest. We're nicer, happier, more productive women when we feel rested. We see you nodding in agreement.
In Italy and other parts of Europe, everyone stops working in August! While we in the U.S. don't embrace such luxury, we ...
Spending
We know we spend less when we just use cash, and yet we continue to use credit cards. A 2001 Massachusetts Institute of Technology study found that subjects asked to bid on a basketball game bid TWICE as high when they used credit cards, versus when...
Technology
Need affordable web help? Who doesn't. From full website builds to small code tweaks, websites always need something. Fortunately, there's a lot of talent available. Here are a few things to consider when hiring freelance web contractors:
If yo...
Budgeting
Last week, a DailyWorth member asked:
"Once school starts, for the first time in eight years, I will have 9am to 3pm
to call my own. Inspire me with possibilities." ~ Susan G.
How exciting for you — a chunk of time to call your...
Today's DailyWorth was provided by Frances Cole Jones, author of The Wow Factor: The 33 Things You Must (and Must Not) Do To Guarantee Your Edge in Today's Business World. Frances' book goes on sale Septmber 1st.
Becaus...
Dailyworth Press
Yesterday, Forbes.com spotlighted DailyWorth and me, Amanda Steinberg, in its Marketing 911 column. I had the privilege of being mentored by media maven and ad industry veteran Tom Bedecarre of AKQA, an interactive marketing solutions agency. Below I've repost...
Spending
Entrepreneur Jenny Newcomer, owner of LobotoME.com, provides today's worthy blog post. LobotoME is an eco-friendly organizational product company. Jenny uses her weekly Feed ME meal planner to plan meals for her family each week. The Feed ME notepad is availab...
Spending
Do you shop sales, haunt the discount rack, even clip coupons? If so, then watch out for some sneaky shenanigans that retailers, from supermarkets to department stores, are pulling on the unsuspecting consumer. With the economy several sizes smaller and shoppers ...
Earning
Whether you're self-employed or a director in line for V.P., consider how you limit your earning capacity. In a survey to readers, "Client-Attraction" coach Fabienne Fredrickson asked, "What is the most amount of money you see yourself making .....
Trent Hamm, blogger at popular money blog thesimpledollar.com, challenged his Twitter followers to give him their best single piece of money advice in ten words or less. We took Trent's top fifty replies, whittled down the list, and turned them into...
Earning
As you sit at your computer, scratching your head, wondering where the next sale will come from, consider your existing clients. They're already buying from you, and if they've had a good experience, they'll likely buy again. Upselling is the act of of...
Spending
Oh, glorious department stores and boutiques. Your aisles burst with such colorful possibilities! Your wares call to me like Ulysses and the sirens!
As you’re heading off to Barneys, consider this: wealth has less to do with what you earn and more to do ...
We all want money. Some of us want fame, and televised glory. Others want a family, new construction and a white-picket fence. The thing is, real success isn't achieved through desire — it's driven by passion. Without it, it's easy to be wea...
Gender Studies
I read articles like the one below and am reminded why I started DailyWorth, and why I'm committed to building it as a service and as a movement.
Men better at paying bills: study
by Ellen Wulfhorst
NEW YORK (Reuters) - Men and women handle...
Vocab
Today's post was authored by Galia Gichon of Down-to-Earth Finance with support from Kathy Ivens of CPA911.com.
You're feeling more secure about your job, so you decide to renovate your outdated 1970s kitchen. Your bank quotes you a $10,000, fiv...
I highly doubt that Verizon, Time Warner or Comcast has a summer sale. However, there are ways to get better bargain rates from your phone or cable company. A few steps to squeeze more money from them:
- Start by just asking. If you get someone on the phon...
Social Enterprise
"There's plenty of money in this world, and if I focus on what I need, I know I can access it."
~ Dana Bass Solomon, CEO of Hollyhock
Meet Dana Bass Solomon, a seasoned businesswoman who has turned a thri...
Saving
Go ahead, spend an entire Sunday catching up on episodes of Lost. Leave a few dishes in the sink overnight. But please, don’t be lazy where money is concerned. It's costing you more than you realize. In today's post on GetRichSlowly.org, "The Hi...
Entrepreneurship
Money can be such a downer. Here's some reading to help you feel better.
Bored? Putting the Fun Back in Money by Galia Gichon
Ever notice how it seems like everyone else is going on an amazing vacation? And when you sit down at the end of the month an...
Entrepreneurship
Womenomics, a current bestselling book by Claire Shipman and Katty Kay, asks women to question our constraints at work, and to consider that we're entitled to more flextime. Hmmm. In the first chapter, Shipman and Kay highlight a recent study from Pepperdine U...
Saving
Hey would-be entrepreneurs. We've got a secret for ya. You don't have risk your house or go into debt to start a new business. Rather, you need to consider how you'll supplement your income as you build it. Rumor has it that only one in ten new bus...
Entrepreneurship
Today's guest blog post was provided by transition coach and writer Deborah A. Bailey (www.dbaileycoach.com).
So what happens when you have doubts about your business dream? You can see it...most of the time. Other times it seems much too difficult or too...
Gender Studies
Pretty women wonder where my secret lies.
I'm not cute or built to suit a fashion model's size
But when I start to tell them,
They think I'm telling lies.
I say,
It's in the reach of my arms
The span of my hips,
The stride of my step...
Earning
Underearning is the “pattern of earning less than your potential,” according to Mikelann Valterra, a speaker, money coach and director of the Women's Earning Institute. Basically, it's the age-old rut many women fall into of chronically underse...
You are free not to spend. You're not obligated to spend money on things you cannot afford. Throwing a BBQ? Make it potluck. Another friend had a baby? Buy him this super cute gift set for $19.99 -- not the $130.00 infant swing. It's okay to not be able t...
Money Psychology
Anyone notice lately how good women are at apologizing when they need to — and when they don't? Sometimes it seems like a constant stream of “I'm sorry” is flowing out of our mouths. We're sorry when we win, when we lose, when we prom...
Budgeting
Lots of things in life come in threes. Three strikes, Three Blind Mice, third time's a charm, and every mom's favorite, “I'll give you to the count of three to get upstairs.” But the best triplets we've seen in a while are the Three Pri...
Money Psychology
Board games aren't just for kids. They're for capitalists, too. If you think you're lacking a healthy dose of aggression, perhaps a timid approach to sales, or simply mystified by your inability to earn money you want, consider learning a board game ca...
Money Psychology
Oh, the voices in my head! Make them stop! "I'm not qualified." "That's a silly idea." "Life is hard enough." "Maybe I don't have what it takes."
In these financially turbulent times, it's a good idea to...
Spending
Craig Briskin, a consumer and anti-trust class action attorney with Mehri & Scalet, PLLC, wrote this expert's perspective on FICO exclusively for DailyWorth.
Times are tough for that thing we call money. Jobs are disappearing, credit is drying up...
Spending
If you're overshopping, there are strategies that will help you stop, says Dr. April Lane Benson, author of To Buy or Not to Buy: Why We Overshop and How to Stop.
Dr. April Lane Benson,
DailyWorth's ...
Gender Studies
(OLIVIER LABAN-MATTEI/AFP/Getty Images) We found this photo on the Boston Globe website and love her cuz she looks like she'd subscribe to DailyWorth if she could.
p.s. we're pretty sure it's not legal for us to repost this, so if any lawyer...
Entrepreneurship
Last week I scored a drool-worthy sales meeting for my Web consulting company. Winning this contract would add a blue-chip client to our roster and serious inflation to our bank account.
The night before the meeting, I was anxious. What should I wear? To sale...
Spending
The latest credit card reforms are great for consumers, limiting credit card companies from raising interest rates and charging crazy penalties. Don't relax just yet: Credit card companies need to make up for lost sales. They'll shorten the grace period be...
Money Psychology
Gabrielle was just one year out of college, when she co-founded the Women's Entrepreneurial Network, a non-profit professional organization that connects female entrepreneurs. Her lecture, Falling in Love with Your Future is regularly presented at the Learning...
Earning
It's time to ask for more money.
According to a study released by the Institute for Women's Policy Research (IWPR), women don't make 77 cents to every man's dollar. We make 69.6 cents. The study controls for the fact that women have less time i...
Spending
The new Credit Card Act of 2009 is meant to protect you from the various tactics credit card companies use to separate you from your money.
They have to give 45 days' notice of a rate hike;
They can't impose increases in the firs...
Money Psychology
Christa is a product developer and writer based in NYC, and loves when art and business come together in equal amounts in her life. You can find her on Twitter, on Curating a Creative Life, her own blog about creativity, and as a weekly contributing writer to...
Investing
Investment portfolios should be properly diversified. Your distribution of stocks, bonds and cash should reflect your age, risk tolerance and retirement goals. The younger you are, the more you'll want stocks over bonds, high growth companies over stalwarts, ...
Budgeting
You're at the nexus of a sophisticated operation. The universe is expanding, and so is your workload. Constantly. Noticing that you're a little overwhelmed, a colleague suggests that you "prioritize." How quaint, you think. Where to beg...
Budgeting
Oh, money. The agony! The tragedy! The hysteria!
This week, be drama-free about your money. Pay your bills on time. Breathe. Collect money owed to you. Smile. Learn how to use Morningstar.com. Breathe, again.
"The mind can be used an...
President Obama’s administration has been very proactive in dealing with our economic crisis. One area is our 401k. While I do not necessarily agree with some of their actions - because I think touching your 401k or IRA money is the last place you should go ...
Investing
Are you managing your investments, or merely hoping your portfolio manager/father/husband/boyfriend has your best interests in mind? Turns out, you might be the best one for the job. Several studies have shown than women are consistently better investors than men,...
Money Psychology
After a week of discussing karma, budgets, bonds and IRAs, we thought you'd appreciate this pick-me-up.
Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light not our darkness that mos...
Now that you know enough about the Roth IRA to be dangerous (see last week's DailyWorth on the subject), you're done researching retirement plans. Whoa. Stop right there. The Roth IRA is just the tip of the retirement-fund iceberg. There ar...
Bonds are supposed to be the safest investment vehicle out there, right? Wrong. While bonds have proven to outperform stocks during certain cycles, they can also be money-losers. Like the long-term government bonds in the late 1970s. Bonds are, after all, IOUs tha...
Budgeting
Congratulations, you've got a budget: $400 a month for groceries. $2,000 for rent or mortgage, and 15% of your take-home pay distributed across your six-month emergency savings fund, IRA and 401k.
Wait ... nothing left over for savings? You have your budg...
Entrepreneurship
Celebrate the success of others. When someone you know — a colleague, a friend, even a professional acquaintance — succeeds in getting what she wants, be a cheerleader. Announce her success on Twitter or Facebook.
Good karma. Good business.
We...
Money Psychology
Are you a power suit or a petticoat? How you present yourself can say a lot about how you feel about yourself. Your haircut, your clothes, your facial expressions, how you enter a room, even your make-up. Think about who you are, who you want to be and how you wan...
Vocab
We're hearing a lot about IRAs lately, what with pension plans sucked bone-dry by the stock market and bank-failure debacle. So we thought it would be helpful to understand what IRAs really are and how many different kinds are out there.
An individual reti...
What you don't see, you won't spend.
That's the idea behind an automated withdrawal system, which takes money out of your checking account every month and puts it into a savings account. You can create multiple savings accounts, one for a 6-month e...
Saving
I'm a Weight Watchers master. In 2003, I was 5'8" and 160 pounds — not exactly ideal for a 25-year-old single girl living in Manhattan. I spent three (!) years on Weight Watchers, and for two years, failed repeatedly. I obsessed over e...
Entrepreneurship
You're not using the power of the people you know. Folks who can help you, listen, offer ideas, make calls on your behalf. Make a list of 10 people you know. Why 10? Because it's a magic number. We have 10 fingers and 10 toes. Plus, according to Malcolm Gl...
Fun
Today's guest post is courtesy of DailyWorth reader Roxane Williams.
My partner and I decided that 2009 would be a year for change. For years he's wanted to do an 800 mile hike in New Zealand. I've always wanted to take a year off.
But, take ...
Saving
Expecting a refund check from the IRS? Most Americans do, and the average refund is over $2,000. Don't use it toward paying bills, buying a new wardrobe or a down payment for a new car or a house. Start an emergency fund. Financial planners think that you shou...
So you're bench-pressing 80 pounds at the gym. So what? It doesn't mean diddly if you're letting your colleagues call all the shots. Being powerful means knowing when to negotiate and when to walk away. Be in charge or be powerless. The choice is yours...
Earning
In a recent conversation with my colleague Alice Hendricks, I learned that her business, Jackson River, earns far more than you'd expect from a 2-year-old consultancy (She asked me not to share numbers, so you have to take my word for it, but she's earning...
It's going to be a beautiful, sunny weekend. You need new sandals. You've been hankering to shop for a new sundress. Wouldn't those look great together? Stop! Wait. Take a breath. Don't buy them. Instant savings. Instant satisfaction.
Carrie o...
Investing
It sure is hard to have faith in your 401k. It seems pointless to keep putting money into it every month when the total balance goes down. Plus it seems hopeless that you will ever have enough to retire. While the temptation is to stop contributing to your 401k...
Looking out for your bank account is a good thing. In negotiations, if you're struggling to earn what you think you are worth, reconsider who you're selling to.
Mikelann Valterra, founder of the Women's Earning Institute, advises women to take ano...
The rules have changed. The most important thing you can do these days is build up your savings and lower your debt. While I would do them both at the same time, you want to make sure you have AT LEAST 6 months worth of expenses in a high interest bearing savin...
Spending
Go ahead and pat yourself on the back for not booking that Mexico trip this year, and for buying the 8 GB iPhone instead of the 16 GB iPhone. Then once you're done congratulating yourself, sit back and look at the bigger picture. Are you spending less than you...
Some of the women in my SIMPLY MONEY group have gotten creative!. One woman posted to the group if anyone knew an expense tracking application for her Blackberry and her fiance's iPhone. Within minutes, Darlene offered this site: http://www.currencytrading....
DailyWorth is growing up. We recently launched our anonymous discussion forum, and explode with collective glee every time we see a new forum post. We're blogging at least three times a week. Given that Cristina, Galia and I are all moms, it's amazing we m...
Have you seen GetRichSlowly.org? It's my new favorite blog for all things personal finance. Blogger J.D. Roth describes himself and his work on GetRichSlowly as follows:
Please note that I am not a financial professional. I’m just an average guy who ...
If you're overwhelmed by nausea every time you even think of using your credit card, you've probably been on the "charge it" carousel just a little too long. Time to get off. But can you possibly climb out of that sizable debt hole you've dug...
This is another great question I got from SINGLE EDITION.
Q: I have just been asked to be an usher at two Spring weddings. Given the state of our economy, I am reluctant to dole out the extra cash when I myself am on a tight budget. Is there any way to fulfil...
My wonderful colleague, Dages Keates of Delicious Dialogues shares her super Top Ways to Save Money on Groceries. Money management tips come in all shapes and sizes. They don't just have to be on your bank statement - you can also get personal finance advic...
This morning, I had the pleasure of interviewing Dr. April Lane Benson, psychologist and author of "To Buy OR Not To Buy: Why We Overshop and How To Stop." We're thrilled to bring Dr. Benson into our mix.
Amanda: Why did you write this book?
D...
As recessions go, this one really bites. It's affecting virtually every aspect of my family's life: going out to eat, grocery shopping, taking vacations, keeping our jobs, educating our children, even where we buy socks. And then there's recession stre...
I have read some articles these last few weeks that have made me stop and think a bit more than usual about when we should start investing. This past weekend, an article in the NY Times "Even for Market Veterans, It's Uncharted Territory" mostl...
You bet! The economy can be going down the drain and we women still need to look good and maintain our beauty regimens. There are a few sites that will help keep those dollars in your wallet without compromising your regular products and routine. This is especi...
Perhaps you thought your back pain was attributed to carrying too many groceries or toting your toddler on your hip. Did you know that it could be a result of high financial stress as well? An AP-AOL poll found that among people who complained of financial stre...
I have a great accountant and always recommend to my clients to take advantage of their relationship with their accountant. If you don’t have one you feel comfortable with, I would consider finding a new one. One of the reasons I justify paying them (besi...
My colleagues, Jaime Klein of Inspire Human Resources, Tevis Gale of Balance Integration and I presented this comprehensive, tremendously useful tip-packed seminar last week, called "Success After Severance". Here were some of the take aways:
1) Mak...
I have a headache. And I blame the news.
Worst Recession Since the Depression!
No End In Sight!
10,000 Foreclosures a Day!
Stimulus Package a Waste of Money!
And then there's the tips-oriented articles:
Top 10 Ways to Save Money
Five Che...
On Friday, we got a question from a reader:
Dear DailyWorth,
I'm bidding on a consulting project as usual can’t figure out how much money to ask for or how to ask for it. The client threw out a range and I didn’t ask him exactly...
I've always found comfort in my professional self. The me that puts on tailored clothes, carries a laptop and knows enough jargon to hang with my B-School friends. I'm good at work. It's what I do, who I am. Or was.
Two and a half years ago,...
Worried about losing your job or your clients? If you are a woman - especially a younger woman in her 20s or 30s - then you should be. According to a recent article that appeared in the Wall Street Journal and several other publications, during tough economic tim...
I used to think that people who pored over numbers and stats were geeks, and largely irrelevant to my life, my career, my small corner of the universe. And then I came upon a statistic the other day that made me want to write a letter of apology to all the statist...
Saving
I started DailyWorth for very selfish reasons. I want to be wealthy -- wealthy on all levels -- financially and spiritually, mostly (I know, guru friends -- spiritual wealth has no relationship to financial wealth, but that's for another blog post).
Let&#...
(copied and pasted from a recent email)
Fabulous women (and men-friends who know fabulous women): I recently launched a website called DailyWorth.com. Our mission is to transform women's relationship to self-worth and money. Most women I know have money issues. Eith...
