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Personal Finance
Share tips, tales and warnings of personal finance pitfalls.
Network Leader: JR Moreau
Brett Kunsch
The holidays are upon us, but does the stress have to be? I'm trying to follow Suze Orman's advice: "People first, then money, then things." http://bit.ly/b6lKQ6
How are you all dealing with the stress of gift/food/travel purchasing and party-going coupled with the fear of debt and lack of time?
63 weeks ago from Productivity & Time-Management, Personal Finance, I am Gen Y, GenYJourney: Tips, Insights, Experiences For Young Professionals and Economics and Finance3 more
Kim Luu:
The main stress we have is finding the time to see everyone from the extended families. We're very upfront with people. No gifts required unless ...MoreThe main stress we have is finding the time to see everyone from the extended families. We're very upfront with people. No gifts required unless it's something you feel we absolutely have to have or try like a food. The biggest gift that we ask is 1/2 hr to an hour of one on one time to just talk with each person.
Frankly I prefer not to get any gifts and that includes gasp... "jewelry" which used to be a favorite of mine.
62 weeks ago
Frankly I prefer not to get any gifts and that includes gasp... "jewelry" which used to be a favorite of mine.
62 weeks ago
Brett Kunsch:
One on one time is a hot commodity...it's silly when you think about it. That 1/2 hour to an hour you could spend with someone enjoying a cup of ...MoreOne on one time is a hot commodity...it's silly when you think about it. That 1/2 hour to an hour you could spend with someone enjoying a cup of cocoa, you instead spend finding a gift they'll forget about in a month. I'll forgo whatever gift it is for some time with my favorite people.
Food, drink, music, and games is a cherished experience. And it's low on the stress meter (unless you have a family feud, as @JRandom warns).
62 weeks ago
Food, drink, music, and games is a cherished experience. And it's low on the stress meter (unless you have a family feud, as @JRandom warns).
62 weeks ago
Jason H. Parker
What online applications or tools do you use to manage your money? What are the top web resources for recent college graduates and/or young professionals to understand the world of personal finance?
Karolyn Chowning recommended this
Leona:
A few web tools that I would recommend: Mint.com or Clear Checkbook, Doorways 2 Dreams (organization creates video games to teach kids and people ...MoreA few web tools that I would recommend: Mint.com or Clear Checkbook, Doorways 2 Dreams (organization creates video games to teach kids and people basic skills like budgeting), Credit Karma, and MyMoney.Gov. I have heard of HelloWallet, but I haven't used their web application because it seems to be members-only. I've browsed their Twitter/Blog, but I prefer their competitors like LearnVest.
I think the better online resources which teach a breadth of financial management topics would be Get Rich Slowly and LearnVest. Other blogs generally talk about basic financial management and budgeting, but these blogs have taught me a lot about how to plan for the mid-to-long term and how to invest (401k, stocks, etc). I’m not facing many of the GRS life situations, but it’s a great way to learn from people’s financial mistakes and experiences. LV has a great philosophy in which they’re trying to teach new young professionals how to handle their finances (so that they can avoid getting into serious debt). I think Slate also has a decent Money blog too. I read the WSJ personal Finance section and Michelle Singletary’s column on a regular basis. I’m sure Suze Orman provides decent advice and tools, but her personality is a bit abrasive.
31 weeks ago
I think the better online resources which teach a breadth of financial management topics would be Get Rich Slowly and LearnVest. Other blogs generally talk about basic financial management and budgeting, but these blogs have taught me a lot about how to plan for the mid-to-long term and how to invest (401k, stocks, etc). I’m not facing many of the GRS life situations, but it’s a great way to learn from people’s financial mistakes and experiences. LV has a great philosophy in which they’re trying to teach new young professionals how to handle their finances (so that they can avoid getting into serious debt). I think Slate also has a decent Money blog too. I read the WSJ personal Finance section and Michelle Singletary’s column on a regular basis. I’m sure Suze Orman provides decent advice and tools, but her personality is a bit abrasive.
31 weeks ago
K. Alexander Ashe
July is around the corner. Have you prepared a budget for July yet?
K. Alexander Ashe
Is it more difficult to create a budget or stick to one?
Rebecca Thorman and Jaclyn Schiff recommended this
Tyler Durbin
GenYJourney.com is growing! We are adding a weekly personal finance column for anyone who is interested in contributing articles on personal finance for young people (specifically Gen-Y). If you are interested and/or have ideas...please message me! Would love to talk about it...
-Tyler
40 weeks ago from Personal Finance and GenYJourney: Tips, Insights, Experiences For Young Professionals
Rebecca Thorman recommended this
Harriet May
Do you have the recommended 8 month emergency fund? Now that I've been on a salaried income for seven months, it's my first big savings goal. Do you treat your savings like an extra bill or do you struggle to put away money every month?
47 weeks ago from Young Professional Women (YPW), Personal Finance, Entry-Level Young Professionals, GenYJourney: Tips, Insights, Experiences For Young Professionals and Personal Development3 more
Rebecca Thorman and Whitney May Parker recommended this
LadyBlueShame:
I think that in order for me to save the amount I deem necessary, I will have to treat it like a bill :-/, which sucks because I hate bills.
44 weeks ago
44 weeks ago
peterb6086:
Paying yourself first via automated savings is the wayt to go. After a while, you won't even miss it.My emergency fund is roughly 1 years salary. ...MorePaying yourself first via automated savings is the wayt to go. After a while, you won't even miss it.My emergency fund is roughly 1 years salary. Doesn't need to be that high when starting out, but as we get raises, and homes, the risk of being laid off creates much more of a problem
http://www.trendlinefinancialsolutions.com/april-2011-trendline-financia...
44 weeks ago
http://www.trendlinefinancialsolutions.com/april-2011-trendline-financia...
44 weeks ago
Jason H. Parker
Today is International Women's Day, and my friends over @LearnVest recently wrote a wonderful post of financial advice for young professional women. Check it out here: http://bit.ly/fRv6Oi.
The most interesting components of this article are the statistics, namely, that despite the fight for closing the wage gap between male and female workers, women still earn, 77% of their male counterparts.
We had an interesting discussion about the wage gap at our office today. What are your thoughts?
48 weeks ago from Entry-Level Young Professionals, Personal Finance and Social Entrepreneurs1 more
Harriet May recommended this
Harriet May:
I love LearnVest! The tidbits of advice in that article are great. Many echo sentiments my parents instilled in me (although I am guilty of ...MoreI love LearnVest! The tidbits of advice in that article are great. Many echo sentiments my parents instilled in me (although I am guilty of getting my dad to help me with my taxes still and managing my stock portfolio... I guess I'm a work in progress).
48 weeks ago
48 weeks ago
Rebecca Thorman:
As a wage gap, I don't think that's so bad. Most of that is still due to older women (the wage gap between young women and young men is barely ...More As a wage gap, I don't think that's so bad. Most of that is still due to older women (the wage gap between young women and young men is barely anything - and in some cases women are making more) and the fact that some women take signigicant time off to have kids. I think one of the more interesting things to come out of the study is that women are in lower-earning professions. We don't have as many women in science, technology, engineering and math - all of the sectors that DEFINE innovation and our society. This means that no matter if we closed the gap completely, women would still be underrepresented in the workplace. Daily Worth gives a better take on this than Learn Vest - http://www.dailyworth.com/blog/685-report-on-women-50-years-later
48 weeks ago
48 weeks ago
Jennifer Lahotski
Is there any personal finance writers on here? Let me know! Write me at jennifer.lahotski@demandmedia.com - We're hiring Business Writers!
peterb6086
I am seeing a lot of people in my Financial Planning practice who have a lot of student loans and are creating problems for them now in the real world ie trouble getting credit, trouble paying off the loans, oversusing credit cards since their student loans eat up so much of their take home pay. Wondering how widespread the problem is?
Ty Unglebower:
I was foolish enough back then to consider a student loan in investment in my future that could be paid pack gradually over the course of my life, ...MoreI was foolish enough back then to consider a student loan in investment in my future that could be paid pack gradually over the course of my life, while making a living. The degree, as most, turned out to be useless, and I haven't been able to pay a dime on it in 10 years.
You screw up buying a mansion, somebody bails you out. You screw up and decide to pay for college, and you are trapped.
55 weeks ago
You screw up buying a mansion, somebody bails you out. You screw up and decide to pay for college, and you are trapped.
55 weeks ago
Michael Dvorscak:
I think it is widespread and will become more of a problem. I think it leads to more fundamental issues like balancing a passion for a subject ...MoreI think it is widespread and will become more of a problem. I think it leads to more fundamental issues like balancing a passion for a subject with a marketable degree, the myth of the four years of college, graduate, and get a job model, the
increase in the supply of undergraduate degrees, and low graduation rates (I am thinking online schools here).
Nonetheless, it is alarming.
55 weeks ago
increase in the supply of undergraduate degrees, and low graduation rates (I am thinking online schools here).
Nonetheless, it is alarming.
55 weeks ago
Ryan Paugh
Last night I had drinks with a friend who is a financial advisor and I was telling him about how he really should start a blog to market himself. He said that the big firms, like the one he works for, won't let their employees blog at all because of the sensitivity around providing financial advice. This seems crazy to me. Any financial advisors out there in similar situations?
56 weeks ago from Economics and Finance, FinanceAnswers, Personal Finance and Blogging2 more
Raquel Elle Bell:
** I think that while some advice is specific and if taken the wrong way can put people in a precarious state, but there are ways to give advice ...More** I think that while some advice is specific and if taken the wrong way can put people in a precarious state, but there are ways to give advice without compromising the end user.... Like don't spend more than you have and will make in the future... Pay your taxes.... etc. etc. etc.
56 weeks ago
56 weeks ago
Olga Garcia
I wrote a guest post for Elysa (Brazen Careerist extraordinaire) and her blog GenPink about the 10 Things Every Woman Should Know about Money. I came at from the angle of laying the emotional foundation with money to build a successful financial future. I'm curious to hear what you think of it. Was it useful and in line with what you need? Check it out...http://ow.ly/3p1YW
60 weeks ago from Personal Finance, GenYJourney: Tips, Insights, Experiences For Young Professionals, Young Professional Women (YPW), I am Gen Y and JobSTART 1013 more
Elysa Rice and Brittany Thompson recommended this
Tracy Brisson:
@peterb6086.. I worked in K-12 education for a very long time. I don't mean to sound cynical, but if it's not tested, it's usually not a priority ...More@peterb6086.. I worked in K-12 education for a very long time. I don't mean to sound cynical, but if it's not tested, it's usually not a priority so I am not shocked at the response you've received. Also, it can be seen a a conflicting message. Educators are supposed to be telling their students that education is the great economic equalizer, but when you look hard at the numbers through a financial management lens, it doesn't always show that.
56 weeks ago
56 weeks ago
Olga Garcia:
@Jason: Thanks for the compliment. I have never heard of LearnVest. I took a look at their website and I am blown away. I would love an intro. I ...More@Jason: Thanks for the compliment. I have never heard of LearnVest. I took a look at their website and I am blown away. I would love an intro. I am very passionate about personal finance and helping young professionals set the right foundation at an early age. Thanks for the heads up! Feel free to shoot me an email: (olga@olgaLG.com)
56 weeks ago
56 weeks ago
TOP IDEA:
Stephen Alred
the numbers are in and I'm officially at 50.4% return for the investments that I've recommended for clients. And I've annualized 27% since I began in 2008. This is great news, I believe only one mutual fund in the country has a higher return over that time period and I remember when people were saying "you're a college student there's no way you can do that kind of stuff without a degree!!"
60 weeks ago from Economics and Finance, Personal Finance and Entrepreneurs1 more
peterb6086:
You may want to be careful putting this type of advertisement on a blog. FINRA is strict.
56 weeks ago
56 weeks ago
Stephen Alred:
I wouldn't be telling anyone what to invest in, nor would I be managing anyone's money. I'm in the clear.
56 weeks ago
56 weeks ago
Ryan Paugh
My girlfriend and I have been talking to a personal finance guy about how we can save more money. One of the things he mentioned was that focusing on a couple areas where we could save money would be dramatically more effective than trying to focus on everything. Coincidentally, my friend Ramit Sethi just emailed me one of his recent WSJ articles with the same advice: http://nyti.ms/fzF9jL
61 weeks ago from Economics and Finance and Personal Finance
Sarah Peck recommended this
Holly Hoffman:
We've been doing the Dave Ramsey thing for about a year and a half now. The two things that are most useful that we've done is a monthly budget, ...MoreWe've been doing the Dave Ramsey thing for about a year and a half now. The two things that are most useful that we've done is a monthly budget, plus using cash envelopes for variable purchases, like groceries, entertainment and clothing. The budget didn't work for me until I used the cash envelopes. Once the cash is gone, I don't get to spend in that category. It works! I feel like I have more money now that I tell it where to go every month.
57 weeks ago
57 weeks ago
TOP IDEA:
Elysa Rice
Ten Things Every Woman Should Know About Money - GenPink http://t.co/8tn4ABy guest post written by Brazen Careerist member Olga Garcia -- Did you grow up sitting down with your parents and talking about finances, what a good investment is, or how to balance a check book? If your answer was no, then welcome to the majority of young women’s realities.
60 weeks ago from Young Professional Women (YPW), Personal Finance and Power Couples1 more
Olga Garcia recommended this
TOP IDEA:
Stephen Alred
the numbers are in and I'm officially at 50.4% return for the investments that I've recommended for clients. And I've annualized 27% since I began in 2008. This is great news, I believe only one mutual fund in the country has a higher return over that time period and I remember when people were saying "you're a college student there's no way you can do that kind of stuff without a degree!!"
60 weeks ago from Economics and Finance, Personal Finance and Entrepreneurs1 more
Rebecca Thorman
A Wall Street Journal reporter emailed me looking for someone who got a prenup in his/her 20s (where both spouses are in their 20s). Did you or do you know of anyone? Let me know before Thursday!
62 weeks ago from Work/Life Blur, I am Gen Y, Personal Finance and Power Couples2 more
Sean Masters:
Not married, but every intention of filing a pre-nup. Have felt that way since I was little, saw too many parents of too many friends go through ...MoreNot married, but every intention of filing a pre-nup. Have felt that way since I was little, saw too many parents of too many friends go through heart-breaking divorce and none of them had ever made plans for that "worst-case scenario"... just made things worse.
Sadly I don't think any of my married under-30 friends do have pre-nups. Several of my married over-40 friends do. Interesting fact, that!
62 weeks ago
Sadly I don't think any of my married under-30 friends do have pre-nups. Several of my married over-40 friends do. Interesting fact, that!
62 weeks ago
Dave Rothacker:
LOL Raquel! But serious. And they should pass non-religious premarital classes. And they should sign an agreement to not spend more money on the ...MoreLOL Raquel! But serious. And they should pass non-religious premarital classes. And they should sign an agreement to not spend more money on the marriage than the gas it takes to cruise to a justice of the peace. And if they do have the money, they should put it toward a house that is equitably covered in a, of course, prenup.
62 weeks ago
62 weeks ago
Marie McKinney-Oates
There's an interesting conversation going on about whether or not it's wise for a couple to merge their finances. It seems like most people agree to keep things relatively separate, but I'm wondering what happens when things get tight? Like someone loses a job or makes consistently poor financial decisions? Do you begin a borrower/lender relationship? Do just tell your partner they're screwed? I mean, any setup works great when there's money in the bank, but what happens when funds get low?
63 weeks ago from Personal Finance and Power Couples
John Pollock:
Steph: If we had had the ability to sock away a 6-12 month emergency fund we wouldn't be in this mess. It's precisely because we were living ...MoreSteph: If we had had the ability to sock away a 6-12 month emergency fund we wouldn't be in this mess. It's precisely because we were living hand-to-mouth that my wife says is the primary reason why she left. (Which of course is logically absurd -- she and I and our kids are now way worse off financially and all of our lifestyles have taken a huge hit.)
63 weeks ago
63 weeks ago
Steph Bruno:
John, I acknowledge that it is difficult to save the money for the emergency fund. Hopefully your story can be an inspiration for those who do ...MoreJohn, I acknowledge that it is difficult to save the money for the emergency fund. Hopefully your story can be an inspiration for those who do have the ability to save to give up some personal spending now to prevent a situation like this down the road. I agree that supporting two households on the same income will only make the situation worse.
63 weeks ago
63 weeks ago
Brett Kunsch
Has anyone read "Your Money: The Missing Manual," by J.D. Roth (of http://www.getrichslowly.org)? Is it of more use than the blog, or just a supplement to it?
63 weeks ago from Personal Finance and Economics and Finance
Elysa Rice
just read this post from Mint.com (recommended blog to subscribe to) - How Do Couples Divide Their Money? http://bit.ly/dz89J I'm curious which category do you fall in as a couple. "Should couples merge all their finances, or should they take a “mine, yours and ours” approach"
64 weeks ago from Personal Finance and Power Couples
Saundra Sorenson:
Every successful couple I know who has weighed in on this said the joint account for shared expenses is the way to go. A piece of advice from a ...MoreEvery successful couple I know who has weighed in on this said the joint account for shared expenses is the way to go. A piece of advice from a financial guru resonated with me -- don't make a rule about putting in the same $ amount, contribute the same percentage of your income.
Also, I think it's healthy to have your own personal cushion. In this situation, having a financial "fall back" is less a sign that you don't have faith in a relationship -- it can actually (in my experience) make both partners feel more comfortable, and more like they're staying together for reasons other than pure necessity.
64 weeks ago
Also, I think it's healthy to have your own personal cushion. In this situation, having a financial "fall back" is less a sign that you don't have faith in a relationship -- it can actually (in my experience) make both partners feel more comfortable, and more like they're staying together for reasons other than pure necessity.
64 weeks ago
Saundra Sorenson:
@ Rebecca Thorman - Completely agree. I actually think that in that way, a prenup might ease the pressure on the relationship down the line.
64 weeks ago
64 weeks ago
Carson Smith
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Stephen Alred
I've been wondering and thought I would crowd-source the answer. Why do you think that HP, is still one of the most mediocre performing stock giving it's acquisitions and good-looking financial statements? You would think it would've skyrocketed once it revealed that it was going to release WebOS tablet and phones in 2010.
65 weeks ago from Economics and Finance and Personal Finance
Rod Peña:
I think Tom Peters put it better than anyone else when he said -- in speaking about M&A -- that it's naive to expect that the mating of two ...MoreI think Tom Peters put it better than anyone else when he said -- in speaking about M&A -- that it's naive to expect that the mating of two dinosaurs will somehow conceive a flock of gazelles. When two conflicting cultures are still like Compaq and HP are still trying to make it work after all these years, it's inevitable for less-than-ideal products to roll out as a result. It's not just the commoditization of computers and printers at hand here: it's the knowledge that when HP decides to compete in markets where there are clear market leaders, coming out with offerings which are less than ideal from the get-go make an already yawn-inducing organization even more invisible. Buy at your own risk.
65 weeks ago
65 weeks ago
Stephen Alred:
Hmm...good points. So the strong financial statements and earnings, wouldn't make a difference on a rise (or stability) in share price?
65 weeks ago
65 weeks ago
Rebecca Thorman
I am REALLY excited today because I am officially credit card debt-free! It's all paid off and I'm pretty proud of myself. My next step was going to be to pay off my student loans (which have very low interest rates) or maybe my car (which I think has a 6% interest rate), or instead, re-build my emergency fund and then start donating to my Roth IRA again. What do you all think? Get rid of all debt or save a little first?
66 weeks ago from Personal Finance, Work/Life Blur, I am Gen Y, Credit Union Folks and Fans and Economics and Finance3 more
Sarah Peck, Kelly Ashworth and Ryan Healy recommended this
Rebecca Thorman:
Wow, thanks so much everyone! This was awesome to read everyone's replies. I sat down with my spreadsheet, worked the numbers and found that I ...MoreWow, thanks so much everyone! This was awesome to read everyone's replies. I sat down with my spreadsheet, worked the numbers and found that I will be able to max out my Roth IRA, fill my emergency fund back up and pay off my car loan completely by the end of next year - so that's the goal. I'll probably do split payments between savings and car loan as many suggested, and then roll over all to savings. Thanks so much again!
66 weeks ago
66 weeks ago
J. Maureen Henderson
Hey folks, I'm working on a new project and am interested in knowing what your biggest areas of interest/needs are in the realm of personal finance as it relates to career mgt and entrepreneurship. Do you need knowledge of personal financial planning? Info on specific financial products? General motivation to keep yourself on target and accountable to your goals? Etc.
Also, where do you turn for info now? Peers? Social media? Independent learning? Your input will directly shape the end product!
72 weeks ago from Young Professional Women (YPW), Economics and Finance, Personal Finance and I am Gen Y2 more
Melissa Breau recommended this
J. Maureen Henderson:
Thanks for the response, Melissa! Very helpful. I'll shoot you an email with the details of what's in the works (things haven't officially ...MoreThanks for the response, Melissa! Very helpful. I'll shoot you an email with the details of what's in the works (things haven't officially launched yet), as I think there's definitely some cross-promotion potential between this project and PW.
72 weeks ago
72 weeks ago
Max Bottaro:
which jobs pay the most for people who just have undergrad degrees, and maybe didn't do something really specific like accounting.
66 weeks ago
66 weeks ago
Elisabeth Ericson
I'm two weeks from a small windfall that will wipe out my credit card debt ($1,600). With that and the deposit from my summer apartment, I'll still have about a grand to put away until I graduate from college next year. My only other debt is a few hundred in interest-free medical bills that I'm paying monthly, and student loans that won't accrue interest until graduation. Besides my 1% APY savings account, is there anything useful I can do with it for a year? I'm not used to having spare money.
Beth Dearborn:
Make sure the debit card transactions are free and that the places you normally would use them - - gocery, dept. store, etc. - - accept that ...MoreMake sure the debit card transactions are free and that the places you normally would use them - - gocery, dept. store, etc. - - accept that bank's debit card. Though most debit card transactions are handled like an ATM and cost nothing, there is a recent surge is banks considering those separately. It is unlikely there will be a debit card transaction fee or that a local grocery, clothing store, etc. won't accept the card, but it doesn't hurt to make sure. And though you think you have 15 debit transactions per month, it wouldn't hurt to look at past statements and your current spending pattern to make sure. If you see fewer than 15 most of the time, find out what the bank charges or if they reduce the interest earned.
If you discover a charge or interest reduction, it doesn't mean it isn't still a good deal. A little addition and subtraction will help you decide if the overall difference earns more than your current bank.
Another question to ask is "Are there other perks?" Does the local bank offer free lost card replacement and identity security at no charge? Do they have a fraud policy in case your card or information is stolen?
As with all things if you think it might be too good to be true, you need to take additional time to read the fine print. Once you have decided you can always make a different decision if it isn't what you expected.
Good Luck! I'm sure you will choose what is right for you!
76 weeks ago
If you discover a charge or interest reduction, it doesn't mean it isn't still a good deal. A little addition and subtraction will help you decide if the overall difference earns more than your current bank.
Another question to ask is "Are there other perks?" Does the local bank offer free lost card replacement and identity security at no charge? Do they have a fraud policy in case your card or information is stolen?
As with all things if you think it might be too good to be true, you need to take additional time to read the fine print. Once you have decided you can always make a different decision if it isn't what you expected.
Good Luck! I'm sure you will choose what is right for you!
76 weeks ago
Max Bottaro:
you can't really make a G go that far these days unfortunately... CD rates are crap right now. Nothing you can really do would justify the effort. ...Moreyou can't really make a G go that far these days unfortunately... CD rates are crap right now. Nothing you can really do would justify the effort. I would suggest waiting until you can get into a good mutual fund or a vested 401K before you start saving for retirement or a home. uhmmm penny stocks can have some pretty crazy returns, but the down side is you can get a huge return literally overnight!
66 weeks ago
66 weeks ago
Russell Allert
Okay, I need some other points of view on this one.
I had a discussion with my GF last night over the purchasing of pre-loved (that is, secondhand) clothing. She believes it to be overly cheap and a tad "yucky" where as I believe it is simply being economical and is good for the environment (as it re-uses resources). All I was after was some casual pants I can wear around the house.
Any thoughts on this? Is shopping for pre-loved clothing a good or bad thing?
Hannah Kane:
I bought all of my business clothing at the Salvation Army-- it's amazing how when you cut out the shoulder pads you have a pretty awesome looking ...MoreI bought all of my business clothing at the Salvation Army-- it's amazing how when you cut out the shoulder pads you have a pretty awesome looking blazer. For me, I love thrift stores because I feel like I'm generating less for the waste stream, and I'm saving myself a ton of money on what most of the time is still perfectly great clothing.
76 weeks ago
76 weeks ago
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