
Make sure you make allowances for some luxuries.
This post comes from J.D. Roth at partner blog Get Rich Slowly.
Some people never take control of their finances because they're afraid that doing so would require them to give up everything they enjoy. I don't believe that's true. Getting out of debt requires hard work and sacrifice, but that doesn't mean you can't have fun along the way.
Online gambling's legal status is murky.
What's life like for professional poker players, particularly those who earn their living online? An anonymous pro sheds some light on the occupation in a guest post at Budgets are Sexy.
It's a fascinating read, and enough to convince us we'd rather work at Wal-Mart than embark on multi-table tournament play. Too much stress. Too many possibilities to go broke going for broke.
Oh, and did we mention that while the legal status of online poker appears to be somewhat murky, the people who really count -- those at the U.S. Justice Department -- insist it's a crime?
Blogger has some strategies to avoid splurges.
This post comes from Trent Hamm at partner blog The Simple Dollar.
I'm often tempted to spend money that I shouldn't.
I'm good at restraining my impulsive nature. I don't simply go into stores and then emerge later with a hefty bag, a credit card bill, and a dazed look on my face. Still, in certain places, I am strongly tempted to spend. I look around and see tons of items that I'd like to have.
Here are seven places that really fuel my spending desires.
Blogger retired in his early 30s.
Jacob at Early Retirement Extreme is about to cut his already spartan monthly living expenses in half. How? He and his wife are moving into an RV.
This blog is called Early Retirement Extreme for a reason. Jacob, a guy in his early 30s, spent five years saving and investing 70% of his income on his way to a goal of quitting the rat race, and now he's going to save even more.
First steps: Get your FICO score and a free credit report.
This post comes from partner blog The Dough Roller:
Improving your FICO credit score has never been more important than it is now. Your credit score affects whether you are approved for a loan, the interest rate your pay, and even the cost of insurance.
Credit card companies now use credit scores and credit history to determine not only the interest rate that will apply to the account, but other terms such as the length of no-interest balance transfers. And your credit score can even impact whether you get a job.
In short, your credit score has a big impact on your finances. The good news is that you can begin to improve your credit score today with a few simple steps.
Many factors can affect the value.
This post comes from Xin Lu at partner blog Wise Bread.
I first read about selling hair in "Les Misérables," when Fantine sold her head of gold to clothe her daughter, Cosette. The hair trade just seems like such an archaic idea, but, actually, high-quality hairpieces are still made from real human hair and there is a huge market for sourcing natural hair.
Here are some tips and information on how to sell your tresses for cash.
You might be able to get one for free.
This post comes from partner blog Blueprint for Financial Prosperity.
It's always possible to get an influenza vaccination unless the vaccine is in short supply, but it's another matter to find a free flu shot. If you're elderly or in another at-risk group, you stand the best chance of getting a free shot. If you're healthy and can afford spending $20, I recommend you leave the freebies for those less fortunate and pay for your shot.
Where can you find a free flu shot?
Retirement plan not a good choice for most people.
This post comes from partner blog The Dough Roller.
Let's get right to the point: Saving for retirement in a Roth 401(k) likely will leave you with less money in retirement than if you had invested in a traditional 401(k).
There are some exceptions to this rule. For example, a Roth 401(k) may be the right choice if you make more than $1 million a year or if you make so little that you pay no income tax or very little income tax. But for the majority of us, the Roth 401(k) is better left alone. Here's why.
RELATED ARTICLES
DATA PROVIDERS
Copyright © 2013 Microsoft. All rights reserved.
Quotes are real-time for NASDAQ, NYSE and AMEX. See delay times for other exchanges.
Fundamental company data and historical chart data provided by Thomson Reuters (click for restrictions). Real-time quotes provided by BATS Exchange. Real-time index quotes and delayed quotes supplied by Interactive Data Real-Time Services. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by SIX Financial Information.
Japanese stock price data provided by Nomura Research Institute Ltd.; quotes delayed 20 minutes. Canadian fund data provided by CANNEX Financial Exchanges Ltd.
ABOUT SMART SPENDING
LATEST BLOG POSTS
Your No. 1 priority needs to be keeping safe. But after that, you can save yourself some grief by making careful records -- and keeping all your receipts.
VIDEO ON MSN MONEY
TOOLS
- How much will my savings grow?
Play with the factors that affect the size of your stash.
- How much should I save for college?
- Am I saving enough for retirement?
- How much car can I afford?



