New Target Prepaid Red Card to Earn More Cashback

I buy a lot of stuff at Target (actually a ridiculous amount of stuff when you factor in my purchases for selling on Amazon), so I was excited to see that Target rolled out a new Target Prepaid Red Card last weekend! I like using our traditional Target credit card to shop there for the [...]

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Jason Stone’s Journey to Financial Freedom

A couple of months ago, I wrote about living in a tiny house can save a ton of money. This struck a cord with reader Jason Stone of Iowa. He wrote me an email so inspiring I ask him if I could share with the rest of you. Here it is: “My wife, medium-sized dog […]

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Should You Take Advantage of COBRA After a Layoff?

Next to the loss of your income, the biggest concern you’ll probably have following a layoff is the prospect of losing your health insurance. This is a rational concern. Not only will you not have sufficient income to deal with medical events, but the very fact that you’re unemployed can make you more vulnerable to accidents, […]

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8 Simple Ways to Make Extra Money in Your Spare Time

When you are trying to save your money or get out of debt, sometimes the process can seem like it’s not going so well. It can be frustrating when it feels like it’s not working as well as you had originally thought it would. If you’re not seeing your savings increase as much as you [...]

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Moving Forward with Solar Energy (Part 1)

Earlier this year, I started to explore whether going with solar power would save me money. The research was very general, whatever I could get from keyboard. Living up to my pseudonym, I hadn’t gotten off my tuchus to get real data from some local companies. Thanks to a post on My Journey to Millions, […]

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Net Worth Update October 2014 – SmilingSaver (Deep in Debt)

Welcome to the Million Dollar Journey August 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. SmilingSaver was selected as a team member and will post net worth […]

Chase Ink Plus $700+ Sign Up Bonus

Chase just increased the sign up bonus on their Chase Ink Plus Business card to 70,000 points; normally it’s 50,000 points. I mentioned that we got an invite in the mail to apply for this card during our $2,075+ Application Spree, but now it’s available online for everyone! As an added bonus, you can pair [...]

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Canada Pension Plan Children’s Benefits

This blog has featured Canada Pension Plan (CPP)-related posts before. In a similar vein, this post will discuss about another CPP-related benefit available to dependent children of disabled or deceased CPP contributors. Types of Children’s Benefits Disabled contributor’s child benefit. This benefit is available to the child of a CPP contributor who is receiving a […]

5 Surprising Things You Should Know Before You Get Laid Off

On Halloween of last year, my husband found out he was being let go. He had an inkling of it the night before when he learned that someone from corporate headquarters was flying in the next day, unexpectedly. But that didn’t take the sting off. At 10:00 in the morning I got the text, and [...]

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How To Start a $500 Million Company the Easy Way

I often write about ways to save money or fix your finances, but today I thought I’d share with you an easy way to start a $500 million company. If done well, you’ll probably make 8 figures for yourself, enough to live extremely comfortably for the rest of your life. Let’s start with one word […]

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What Should Your Financial Pie Chart Look Like?

I’m a numbers girl. Always have been, and always will be. I see things in numbers and fractions and percentages. Budgeting and tracking my spending comes easy for me because of that. But if you’re a visual person, you might find it a little harder to stay aware of your financial situation. So today, I [...]

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Saving Money with Nest Thermostats?

Last winter, I purchased two Nest Learning Thermostats for our house. At $250 a piece, they are not cheap. Fortunately, each of them qualify for a $100 rebate from my electric company (rebates vary by company and by state). At $150, they are a lot more affordable. Even better, I got an extremely rare discounted […]

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This Month’s Most Popular Finance Tips: September

This month our favorite finance discussion topics were ways to bring in extra cash, tricks to learn from extreme couponers, earning oodles of cashback from Discover, ways to watch free movies, scoring a free $10 Amazon promo code, the impact of late payments, financial review tips, and claiming the new health insurance tax credit. If [...]

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Save Money in New Orleans (Part 2)

Two and half years ago, I went to New Orleans for my wife’s pharmacy conference. One result of that (other than a hangover or two) was this article about visiting New Orleans on a budget. Last week we had the opportunity to go back… this time for my personal finance blogger conference. Since I was […]

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Pay Off Your Mortgage From Your Roth IRA?

Last week I wrote about the hidden emergency fund in your Roth IRA. In case you didn’t read that article, a huge takeaway was that you can take out contributions (not earnings) out of your Roth IRA penalty-free at any age. In writing that article, I thought about how much accessible money I might have […]

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19 Ways to Cut Costs During a Spending Fast

Are you ready to reduce debt or increase that savings account? The solution could be a spending fast. A spending fast is exactly what it sounds like – spending the least amount of money possible. We explored tips for a successful spending fast, but here is how to make a game plan for your fast. [...]

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How to Convert Employer-Paid Insurance to an Individual Policy Upon Layoff

After you experience a layoff, there is a provision in federal law – known as COBRA – that will enable you to retain your employer-sponsored health insurance plan for up to 18 months or longer. But health insurance is hardly the only type of insurance coverage that you may have with your employer. There are other types of […]

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What is the Best MasterCard for Costco Shoppers?

For Costco shoppers, you may have heard the news that Costco has replaced American Express with MasterCard and using Capital One as the issuer. The rumour is that the two large publicly traded companies, Costco ($55B market cap) and American Express ($95B market cap), could not come to terms on transactions fees. The official news […]

Amazon Free $10 Promo Code

It’s Free Money Friday! Amazon is giving out free $10 promo codes when you buy an Amazon Gift Card for someone. The offer is targeted, so you’ll have to see if you qualify first: Amazon Gift Card offer. If you do, it’s an easy way to earn a free $10 if you have plans to [...]

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Clone Your Dog?

Recently a friend of mine had her dog die. It’s hit her so hard that I don’t dare ask about the details. I don’t know how much the details matter. The important thing is that the earth has lost one of its greatest souls. This makes it as good a time as any to bring […]

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3 Ways to Find Quality Tenants and Protect Your Rental Property

I recently celebrated my second year as a proud homeowner and landlord. While being a first-time homeowner has been tough, being a first-time landlord has been even tougher. It hasn’t been an easy journey to say the least, but with over half my mortgage paid off in only two years, it has been well worth […]

New 4th Quarter 2014 5% Rotating Cash Rewards Credit Cards

4th quarter cash back is here and it’s focused on holiday shopping! I just finished claiming my $1450 Cashback from Discover and activating all our new accounts from my $2,075+ Application Spree to Stockpile 0% Credit Cards. Now it’s time to get all the cards organized and integrated into our regular rotation. Reevaluate Quarterly Cash [...]

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Do You Have a Hidden Emergency Fund?

I do, and I didn’t even know it. A couple of weeks ago, I mentioned that we activated ultra-frugality mode due to the expensive mold removal in one of our investment properties. What was once a very cushy bank account is now looking lean… leaner than it has been in years. It got my wife […]

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Should You Consider Investing In Marijuana?

The other week I was traveling for vacation and while sitting on the plane, my seatmate started talking to me about the various marijuana stocks that are now being traded in the stock market. He was selling this one stock in particular (I won’t mention it since it’s a penny stock), telling me how he’s [...]

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A Lazy Portfolio (Bought on the Cheap)

Yesterday I introduced you to Motif Investing (introduction here). The quick takeaway: it is a great way to buy up to 30 stocks with one single brokerage fee of $9.99. Oh and one other minor detail: they’ll pay you up to $150 to do it. I’m seriously considering trying it out myself. It seems ideal […]

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