Saving & Investing

6 Ways to Spend a Tax Refund that You Will Thank Yourself for Later

by Julie March 31, 2015
Thumbnail image for 6 Ways to Spend a Tax Refund that You Will Thank Yourself for Later

“Do something today that your future self will thank you for.” Are you getting a tax refund this year? It’s very unusual for us to get one because we’re self-employed; any refunds get applied to next year’s taxes. But this year, through a very specific set of events, we got a $2000 refund from the state. We […]

Continue reading →

The One Simple Way We Overhauled Our Finances

by Julie March 9, 2015
Thumbnail image for The One Simple Way We Overhauled Our Finances

Nine years ago this month I hired myself to make the most of our family’s finances. What does that mean, exactly? Although I couldn’t have articulated it this way at the time, I had hired myself to stop using our income to qualify for payments, and start using it to build wealth for our future. We’ve had a […]

Continue reading →

The HSA Experiment One Year Later: How Did We Do?

by Julie January 6, 2015
Thumbnail image for The HSA Experiment One Year Later: How Did We Do?

Early last year I blogged about how we had switched to a high deductible, Health Savings Account (HSA) eligible health insurance policy for 2014. You can follow the link above to read the specifics, but the basics were these: 1. While we had had a high deductible policy for a number of years, our policy had office […]

Continue reading →

Investing with the Aristocrats: My Third Annual Dividend Investing Update

Thumbnail image for Investing with the Aristocrats: My Third Annual Dividend Investing Update by Julie August 11, 2014

Disclaimer: I am not an investing professional. This post is for informational and entertainment purposes only. You should always contact your financial advisor before making any investment decision. Most of our retirement savings are invested in mutual funds. The kind that match the investment mix to the year you plan to retire. It’s a plan we’re […]

Continue reading →

Setting Up and Feeding an Emergency Fund: Tips for Success

by Julie July 30, 2014
Thumbnail image for Setting Up and Feeding an Emergency Fund: Tips for Success

Last summer I decided that it was time we had a proper emergency fund. We had a garden variety savings account, but that’s not really the same thing. We had other assets we could have tapped if we needed to – retirement savings, college savings, credit card lines of credit, life insurance cash value. Again, not the […]

Continue reading →

A College Savings Change

by Julie November 19, 2013

I’ve written a lot (a LOT) about found money and giving it jobs to do. And we’ve really used that technique to its fullest when it comes to college savings. For a number of years now, my blogging/online earnings have been earmarked for my daughter’s college and put into a savings account at Capital One […]

Continue reading →

Investing Fun Money: Coca-Cola, Walmart, McDonald’s and More – 2 Years Later

by Julie August 22, 2013

Before we wade into this nerd-fest of a post, I need to tell you that I am in no way a financial expert and that this information should not be construed as investing advice. It’s purely for entertainment purposes. Because what’s more entertaining than dividend investing? Am I right? Background I’ve long loved the idea […]

Continue reading →

The 3 Big Problems with Your Retirement Savings and What You Can Do About Them

by Julie April 25, 2013
Thumbnail image for The 3 Big Problems with Your Retirement Savings and What You Can Do About Them

Did you watch “The Retirement Gamble” on Frontline Tuesday night? (If not, and if you’re interested, it’s available to watch online.) This wasn’t one of my favorite Frontline programs, but it did raise some interesting and important points. After watching it, I dug further back into the Frontline episodes and found one from 2006 – […]

Continue reading →

The Retirement Gamble

by Julie April 23, 2013

One of the nerdiest things about my nerdy self is that I love documentaries. Love them. And one of the best sources for well-done documentaries is PBS’ Frontline. Tonight’s program is a new one about America’s retirement industry and how the 401(k) and IRA fees we’re being charged may be costing us years of retirement […]

Continue reading →

Have a Child Under 12? Get $1000 Free for College with this Savings Account.

by Julie March 11, 2013
Thumbnail image for Have a Child Under 12? Get $1000 Free for College with this Savings Account.

This is something I really wish was around (or I knew about) when my kids were younger. Citizens Bank is offering a $1000 bonus when you open a CollegeSaver savings account with them before your child turns 12 and you deposit a minimum monthly amount between that time and the time your child turns 18. […]

Continue reading →