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# Personal Profitability

Personal finance for hustlers and entrepreneurs

## Sitemaps

- [XML Sitemap](https://personalprofitability.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Personal Profitability Blog](https://personalprofitability.com/blog/)
- [Money and Dating](https://personalprofitability.com/money-and-dating-2-2/) - I recently had a conversation with a friend (a girl) about money and dating. We are both single and have both been on dates with a handful of people recently. It got me thinking about gender roles and dating and money.
- [The Complete Beginner Guide To Holiday Budgeting](https://personalprofitability.com/holiday-budgeting/) - Saving money during the holidays isn't easy. Here are some holiday budgeting tips to avoid overspending and to maximize your money!
- [The Case for Walmart](https://personalprofitability.com/the-case-for-walmart/) - Walmart is one of the most hated companies in America. People constantly attack its human resources practices and the leverage it puts on suppliers.
- [Money Matters: Navigating Personal Finance Before, During, and After College](https://personalprofitability.com/money-matters-navigating-personal-finance-before-during-and-after-college/) - Jackson Hartz reflects on his time as a student and offers personal finance advice for students looking to save money and grow their wealth.
- [Picking the Right Life Insurance Policy: How Well Do You Know Life Insurance?](https://personalprofitability.com/life-insurance-policy/) - Check out this life insurance policy quiz that helps you understand exactly what you know, and need to know, to pick the best life insurance policy.
- [How to Avoid Student Loan and Auto Loan Debt When Everyone Else is Doing It](https://personalprofitability.com/avoid-student-loan-auto-loan-debt/) - Is it possible to avoid student loan and auto loan debt? It's not a myth. Just imagine where you would be without all that debt!
- [WeBull Review: Is It Worth Trying?](https://personalprofitability.com/webull-review-is-it-worth-trying/) - Looking for commission-free online stock trading? Check out this WeBull review to see how it stacks up to the popular Robinhood app!
- [How to Get Started Buying Stocks Online](https://personalprofitability.com/how-to-get-started-buying-stocks-online/) - Every time I need to buy or sell a stock, mutual fund, or index fund, I hop online and enter the trade on my brokerage website. It wasn’t always this easy to invest and we are lucky to live in an age of cheap, online investing.
- [PPP091: Whitney Nicely on Building a Real Estate Empire](https://personalprofitability.com/episode91/) - Whitney Nicely built her real estate empire without a ton of cash upfront. In this episode, we talk about entrepreneurship and much more.
- [How I Ripped People Off With Store Credit Cards](https://personalprofitability.com/store-credit-cards/) - In high school, I worked after school and on weekends as a cashier at a large retail chain. I signed up dozens of people for store credit cards.
- [Mint.com Alternative: Thrive vs. Mint.com](https://personalprofitability.com/a-review-of-thrive-vs-mint-com/) - have given Thrive a test run and decided to put a review of my thoughts of the Mint vs. Thrive battle here. Mint and Thrive both give similar aggregation services to users, though each one has a slightly different emphasis and a different front end.
- [3 Reasons Why You Want to Watch Your Credit Report Starting at a Young Age](https://personalprofitability.com/watch-credit-report-young-age/) - Watching your credit report is something we can overlook easily. I share some of the reasons why you may want to start checking it early in your career.
- [What To Do When a Family Member Opens a Credit Card Under Your Name](https://personalprofitability.com/what-to-do-when-a-family-member-opens-a-credit-card-under-your-name/) - A Narrow Bridge Finance reader recently wrote me with a question that made it clear he is in a very tough spot. His Dad opened up a credit card under his name. As it is his Dad, and not a stranger, this is not your typical identity theft situation. Here is what was going on, and how to deal with identity theft by your mother, father, or another family member.
- [PPP010: How to Pay off Student Loans](https://personalprofitability.com/episode10/) - This week an anonymous reader asked about how to best pay off her student loans. My response is useful for anyone looking to knock out debt quickly.
- [7 Things to Keep in Mind When Lending Friends Money](https://personalprofitability.com/lending-money/) - I once had a roommate move out while owing me over $200. Sure, not a ton of money, but nothing to sneeze at, particularly when in grad school. He had left for the marines and told me a check was in the mail, but it never arrived. What a frustrating situation! I have had to loan friend and roommates money in the past, and every time it is stressful and I hate to do it. Five or ten bucks for lunch is one thing, $830 to prevent eviction was a different story.
- [Should You Pay Off Your Mortgage Early?](https://personalprofitability.com/should-you-pay-off-your-mortgage-early/) - Some people debate whether it is a good idea to pay off your mortgage early. I don’t see why it is a debate at all. Sure, we can conjure up some numbers that make it look smart to stay in debt, but staying in debt is never a good idea.
- [How Should a Young Person Get Started with Investing](https://personalprofitability.com/how-should-a-young-person-get-started-with-investing/) - So you've started a new job as a young professional—what should you do with that first paycheck? It's time to start investing!
- [Common Budget Busters and How to Fix Them](https://personalprofitability.com/common-budget-busters-fix/) - Budget busters can be a drag on your monthly finances if you don't watch it. It can be easy to allow unmonitored spending to get out of hand. I share how to avoid it.
- [5 Things to Consider Before Taking the Leap into Self-Employment](https://personalprofitability.com/5-things-to-consider-self-employment/) - Are you thinking of quitting your job to be your own boss? Then consider these 5 things before taking the leap into self-employment.
- [PPP019: Expert Money and Entrepreneurship Tips Live from FinCon](https://personalprofitability.com/episode19/) - This week we have a special episode recorded live at FinCon in Charlotte, North Carolina. I am excited to welcome superstar guests Pat Flynn from Smart Passive Income and Harlan Luke Landes from Consumerism Commentary. My good friend and former guest Jeff Fruhwirth from Sustainable Life Blog joined us as we talked business, budgeting, social media,
- [4 Ways You Are Sabotaging Your Side Hustle](https://personalprofitability.com/sabotaging-your-side-hustle/) - Are you struggling with your side hustle and having trouble getting started? There are ways you could be sabotaging your side hustle.
- [PPP062: Side Hustling & Growing Your Income with Robert Farrington](https://personalprofitability.com/episode62/) - Robert Farrington, The College Investor, has a six-figure online income and a full-time job managing a major retail store. Get his tips here!
- [PPP078: Retirement Planning with Christine Russell](https://personalprofitability.com/episode78/) - Join me and TD Ameritrade retirement expert Christine Russell to talk all things retirement savings and planning. Tune in to the podcast!
- [My Net Worth, What's The Deal?](https://personalprofitability.com/my-net-worth-whats-deal/) - As you can see from my Net Worth widget, I just had a big dive. I started tracking my net worth just before my first tuition payment. My first quarter cost about $13,000. I paid about half cash and took out a student loan for the other half.
- [PPP050: I'm Nate Bills and I Pay the Bills Working Online](https://personalprofitability.com/episode50/) - Nate Bills runs a Fullfillment by Amazon, or FBA, business that pays him while he sleeps. He was able to quit his job and go full-time online with FBA.
- [PPP001: I'm Eric Rosenberg, Welcome to the Personal Profitability Podcast](https://personalprofitability.com/episode1/) - Personal Profitability Podcast Episode One: Spend Mindfully, Earn More, Grow Your Wealth, and Live Better through mindful personal finance.
- [PPP076: Taking Your Side Hustle Full-Time with Chenell Tull](https://personalprofitability.com/episode76/) - Chenell Tull used to spend her days working for a large company, but took the leap to self-employment in June. Learn how she did it in this week's episode.
- [PPP090: Chris Jones and the Business of Writing](https://personalprofitability.com/episode90/) - Want to earn a full-time income writing from home? If you want to write for a living, don't miss this interview with award-winning writer Chris Jones.
- [4 Ways To Invest in Guyana in 2020](https://personalprofitability.com/4-ways-to-invest-in-guyana-in-2020/) - This article comes from a Personal Profitability partner. South American investment opportunities have been booming over the past few years, with a large number of industries in many of the continent's countries gearing up for higher demand and easier access to international trade. A lot of the boom has been fueled by infrastructure development projects
- [Deciding Which Student Loan Repayment Plan is Best for You](https://personalprofitability.com/deciding-which-student-loan-repayment-plan-is-best-for-you/) - Deciding on a student loan repayment plan? Not sure if you should stick with federal loans or refinance? Our student loan guide will help you choose!
- [Making Travel a Reality](https://personalprofitability.com/making-travel-a-reality/) - In November, I spent 2 weeks in London, Paris, and Amsterdam. In January, I was in Costa Rica. In March, I made it to Fayetteville, Arkansas for a weekend. On Monday, I came home from New Orleans for three days before I drive to Omaha for a long weekend. Next weekend I am back in Arkansas, and by the end of the summer I will have been to Minneapolis and hopefully Spain.
- [How to Save Money on Hotels When Traveling](https://personalprofitability.com/how-to-save-money-on-hotels-when-traveling/) - Those of you who read my free money tips newsletter (which I suggest you do), know that I am about to take a trip to Israel. I spent the last few days working on lodging for the trip, and I want to share a few tips to save money on hotels when traveling.
- [PPP030: I'm Paula Pant and I Help People Afford Anything](https://personalprofitability.com/episode30/) - Paula Pant believes that you can afford anything. She's sharing her tips on real estate investing, Airbnb hosting, budget travel, and running a business!
- [PPP033: The Unseen Story of Quitting Your Job for Self Employment](https://personalprofitability.com/episode33/) - Leaving an employer to for self-employment looks glamorous, but there are many aspects of leaving a job that you don't see until you make the plunge.
- [Can I Write it Off – A Practical Guide to Deducting Small Business Expenses](https://personalprofitability.com/can-write-off-practical-guide-deducting-small-business-expenses/) - Small business owners can save big on their taxes by deducting qualifying business expenses. Don't miss out and give the government what you can keep!
- [How Chris Runs an eBay Store for Serious Side Income](https://personalprofitability.com/how-chris-runs-an-ebay-store-for-serious-side-income/) - Chris earns a full time income with his eBay store. Learn how he got started and how he makes a living from the comfort of his own home.
- [How to Act Professionally as a Freelancer](https://personalprofitability.com/how-to-act-professionally-freelancer/) - If you are starting out as a freelancer, it is important to act as a professional to grow your income and thrive.
- [How Loan Amortization Works](https://personalprofitability.com/how-loan-amortization-works/) - Anyone who has ever had a loan has seen the statements that come updating you on your progress. Early on, it is often disheartening to see that the bulk of your payment went to just the interest, and a small amount went to the outstanding loan balance. If you ever wondered why and how it works, read on. If not, read on anyway, you could still learn something.
- [PPP060: Home Mortgage Down Payments & Early Retirement with Chris Reining](https://personalprofitability.com/episode60/) - Chris Reining became financially independent at 35 and retired at 37. Learn how he mastered his money with actionable tips in this week's episode.
- [PPP084: Catherine Treme on How Your Personality Can Affect Your Money](https://personalprofitability.com/episode84/) - Catherine Treme is a behavioral finance expert. She uses the Myers Briggs Type Indicator to teach people how your personality affects money management!
- [5 Steps to Paying Off a Mortgage Early](https://personalprofitability.com/paying-mortgage-early/) - It IS possible to pay your home mortgage off early! Here are Steve Stewart's tips on spending wisely and paying off debt.
- [PPP057: I'm Alex Barker and I'm a Side Hustle Addict](https://personalprofitability.com/episode57/) - Alex Barker keeps himself busy with a full-time job AND a side hustle that employs workers around the world. Learn how he juggles it in this week's episode.
- [How Student Loan Payments Work](https://personalprofitability.com/how-student-loan-payments-work/) - Student loan payment calculations can be cryptic, so today we are going to break down how student loan payments work so you can understand your loans.
- [Why Traveling is a Great Investment](https://personalprofitability.com/traveling-investment/) - Traveling is often seen as a luxury. But it can also be an investment in yourself and your career. Learn why traveling is a great investment.
- [PPP073: Master Your Social Media with Stefanie LaHart](https://personalprofitability.com/episode73/) - Stefanie LaHart is the founder of Boomtown Marketing and helps businesses and entrepreneurs build their online and social media presence.
- [Sell Your Old Place or Rent It Out: The Ultimate Guide to Becoming a Landlord, or Not](https://personalprofitability.com/sell-your-old-place-or-rent-it-out-the-ultimate-guide-to-becoming-a-landlord-or-not/) - Should you sell your house or rent it out? This guide will walk you through the process of how to become a successful landlord.
- [PPP106: Succeeding in Real Estate with Chris Prefontaine](https://personalprofitability.com/episode106/) - In this episode with Chris Prefontaine, we're talking how much money you need to get started with real estate (probably less than you expected) and how to improve your chances for success in real estate -
- [3 Great Reasons to Use Credit Cards](https://personalprofitability.com/great-reasons-use-credit-cards/) - Many speak the evils of credit cards. However, if you use them appropriately, they can be another tool that can help further benefit your financial health.
- [4 Last Minute Christmas Ideas That Don’t Suck](https://personalprofitability.com/last-minute-christmas-ideas-dont-suck/) - Christmas is soon approaching, which means it's time to get shopping done. I share some last minute Christmas ideas that many would happily receive.
- [What is Swagbucks and How Can You Earn Money With It?](https://personalprofitability.com/what-is-swagbucks-and-how-can-you-earn-money-with-it/) - So what is Swagbucks anyway? Can you really earn money with it? How much could you potentially earn per hour? Asking "What is Swagbucks" is a great question
- [PPP116: 5 Tips for Brand New Side Hustlers](https://personalprofitability.com/episode116/) - In this week's podcast, we're talking about starting a side hustle with Martin Dasko. If you're new to side hustling, don't miss our top 5 side hustle tips!
- [13th Month Income Earning Challenge](https://personalprofitability.com/13th-month-income-earning-challenge/) - What do you answer when people ask about your hobbies? I have seen many hobbies and interests come and go, but one has been a constant over the last decade of my life: earning more money. I am not quite as entrepreneurial as Kirk in Gilmore Girls, but I’d like to think I do okay.
- [5 Steps to Start a Side Hustle](https://personalprofitability.com/steps-starting-side-hustle/) - Do you want to make more money outside of your day job? Use these five steps to start a side hustle and make extra money in your free time.
- [PPP032: Discover a Path to Debt Freedom](https://personalprofitability.com/episode32/) - Debt sucks! The payments can cripple your ability to buy a home, travel, or even pay for the basics like rent and groceries. If you want to dig out of that giant pile of debt, start with this list of major to-dos, including creating a debt snowball payoff plan. Resources Mentioned My Debt, How I'm
- [PPP044: I'm Tom Corson-Knowles and I've Written 26 Books to Sell on Kindle](https://personalprofitability.com/episode44/) - Tom skipped Wall Street and built an eBook business to follow his dreams. With 26 books under his belt, he shares lessons learned along the way.
- [PPP128: 3 Steps to Get Started on Your FIRE Plan](https://personalprofitability.com/episode128/) - Sean Merron talks to us about being financially independent and retiring early in his 30s! He gives us some great tips on starting your own FIRE plan!
- [How to Cut Back on Home Expenses](https://personalprofitability.com/saving-on-home-expenses/) - Want to save money on your home? These actionable tips will help you save on home utility bills, repairs, appliances, cable/internet, and more!
- [PPP072: Start Your Side Hustle with Nick Loper](https://personalprofitability.com/episode72/) - Nick Loper is the man behind the Side Hustle Nation podcast and blog. Learn how to start your first profitable side hustle in this week's episode.
- [PPP038: Get Out of Debt with Conscious Spending](https://personalprofitability.com/episode38/) - You make choices on how to spend your hard earned dollars every day. Do they go to things and experiences you value, or do you spend without a thought?
- [Snag a Copy of My eBook for Kindle](https://personalprofitability.com/snag-a-copy-of-my-ebook-for-kindle/) - My awesome eBook, the Personal Finance Arsenal, is now available for download in the Kindle Store from Amazon. To celebrate, I have lowered the price to only $9.99 at the Kindle Store and PersonalFinanceArsenal.com.
- [Fixing Your Own Economy](https://personalprofitability.com/fixing-your-own-economy/) - If you read the news today or listen to talk radio, you will most likely hear some mention of unemployment and how bad the economy is. I disagree, the economy is in great shape. You just need to look after yourself to ensure your personal economy stays on top.
- [How Insurance Companies Make Money](https://personalprofitability.com/how-insurance-companies-make-money/) - If you want to know how insurance companies make money, you came to the right place! Insurance companies are complex organizations and make money many ways.
- [eDataQuick - A Low-cost Solution For Small Business Bookkeeping](https://personalprofitability.com/edataquick/) - If you need affordable bookkeeping services for your small business, look no further! Check out my review on eDataQuick's accounting services here.
- [When to Get Life Insurance](https://personalprofitability.com/when-to-get-life-insurance/) - Should you buy a life insurance policy, even if you're in your 20s? In this post, we'll review the importance of life insurance and when to buy it!
- [Home Buyer's Guide: From Search to Move In](https://personalprofitability.com/home-buyers-guide/) - Buying your first home? This guide will give you tips on how to find a home, make an offer, go under contract, and close on your first real estate purchase!
- [What's In Your Wallet?](https://personalprofitability.com/whats-in-your-wallet/) - I recently upgraded my wallet from a back pocket “Costanza” wallet to a front pocket, minimalist wallet. Slimming down my wallet has been great for me, but it really made me think about what I needed to carry around and what was just taking up space.
- [How the New Student Loan Law Impacts You](https://personalprofitability.com/how-the-new-student-loan-law-impacts-you/) - On March 30, President Obama signed a new law that redefines the roles of much of the student loan industry. The law appears to be better for the government and better for those taking out student loans. Big banks are going to take a hit, however.
- [What is 1% Today Worth in Retirement?](https://personalprofitability.com/what-is-1-today-worth-in-retirement/) - I regularly share my thoughts on automated investing and putting money away for retirement. In some posts, I’ve discussed how much to save each pay period. 10%, 15%? More less? I always say to just start with something and save as much as possible for your situation. Today, I want to talk about increasing that amount.
- [How To Deal With US Savings Bonds](https://personalprofitability.com/how-to-deal-with-us-savings-bonds/) - If you are like me, you have a big stack of US savings bonds that has been accumulating dust in a safe deposit box since you were born. If you are under 30, those are still gaining interest today. But what should we do with our savings bonds? I never thought to cash mine in until I got to grad school, and that promted quite a bit of research into how to deal with finding the value, paying the taxes, and cashing in my bonds. I will take you through the process I went through up to today, the day I take my bonds to the bank.
- [Money Tips for New Grads](https://personalprofitability.com/money-tips-for-new-grads/) - Here are some top tips for new graduates around the world.
- [December 2018 Online and Side Hustle Income Report](https://personalprofitability.com/december-2018-online-and-side-hustle-income-report/) - Welcome to the final income report from Personal Profitability. See how I made over $9,000 in December and over $160k in 2018 online as a freelancer!
- [How Banks Make Money and How You Can Make Money Like A Bank](https://personalprofitability.com/how-banks-make-money-and-how-you-can-make-money-like-a-bank/) - Here is how banks make money and a few ideas on making money in the same way.
- [Why I Hate Carrying Cash](https://personalprofitability.com/why-i-hate-carrying-cash/) - A dollar, a greenback, a buck. There have been many nicknames for the US Dollar. Americans are proud of their currency as a safe-haven currency during economic hardship. We love our money. That is just part of our culture. However, I am kind of tired of it. I hate carrying cash.
- [November 2018 Online and Side Hustle Income Report](https://personalprofitability.com/november-2018-online-and-side-hustle-income-report/) - Find out how I made $16,723 in my November 2018 income report! We'll break down my earnings and see what’s in store for next year!
- [PPP 130: Harlan Landes on The Plutus Foundation](https://personalprofitability.com/episode130/) - Harlan Landes stops by to talk about his non-profit, The Plutus Foundation. Learn how they're helping to spread financial literacy across the country!
- [PPP129: How We Structure Our Masterminds With Sean Merron](https://personalprofitability.com/episode129/) - Sean Merron and I discuss how we run our mastermind groups in this episode. We'll give you some awesome tips on how to improve your group or join a new one!
- [October 2018 Online and Side Hustle Income Report](https://personalprofitability.com/october-2018-online-and-side-hustle-income-report/) - Learn how I made $17,532 in my October 2018 income report! We'll break down my earnings and see what’s in store to increase my income even more!
- [PPP126: Mastermind Groups and F.I.R.E. With Sean Merron](https://personalprofitability.com/episode126/) - Sean Merron chats with us about the impact of mastermind groups on our businesses, gaining financial independence, and early retirement!
- [September 2018 Online and Side Hustle Income Report](https://personalprofitability.com/september-2018-online-and-side-hustle-income-report/) - Check out how I made over $18,000 in my September 2018 income report! I'll break down the different ways I earn money with my online businesses!
- [PPP123: 5 Frugal Money Saving Tips to Boost Your Savings](https://personalprofitability.com/episode123/) - Finding it hard to get your budget together and pay off debt? Sandy Smith gives us some actionable, frugal tips on how to boost your savings!
- [PPP122: 5 Tips to Build a Profitable Product Business Online](https://personalprofitability.com/episode122/) - Tune in this week to discover Sandy Smith's top tips for starting an online product business. Find out how to choose a product, where to sell it, and more!
- [August 2018 Online and Side Hustle Income Report](https://personalprofitability.com/august-2018-online-and-side-hustle-income-report/) - Welcome to my August 2018 Income Report! See the details on how I brought in over $13,000 online in one month from my multi-faceted business.
- [PPP121: Catching Up with Sandy Smith](https://personalprofitability.com/episode121/) - In this episode, we catch up with Sandy Smith about her life, her businesses, her site Yes I Am Cheap, and her community of side hustlers!
- [PPP051: I'm Sandy Smith and I Make and Sell Products](https://personalprofitability.com/episode51/) - From personal finance blogging to creating physical products she sells on Amazon, Sandy knows how to hustle and is on the countdown to leave her day job.
- [PPP120: That Time I Quit My Job](https://personalprofitability.com/episode120/) - In this episode, we're revisiting that time I quit my job to become a full-time freelance writer and finance blogger! Find out how I did it in this podcast!
- [PPP119: The Pillars of Personal Profitability](https://personalprofitability.com/episode119/) - This week is a throwback to our very first episode! We're talking about the core values of Personal Profitability and how to live better through your money.
- [When I Win the Lottery](https://personalprofitability.com/when-i-win-the-lottery/) - In Colorado, there is no shortage of gambling opportunities. Just 45 minutes up the road in Blackhawk and Central City, we have large casinos that rival most Indian reservations. We have legalized bingo halls all over town. But the dream is to win the lotto.
- [How to Get a Bank Fee Refund](https://personalprofitability.com/bank-fee-refund/) - In my time working as a bank manager, I saw the company make a fortune on overdraft and other fees. In fact, that was our second biggest income source after loan interest. We loved profits from fees, but there is one secret that the banks don't tell you: how to get a fee refund.
- [Automatic Credit Card Payments](https://personalprofitability.com/automatic-credit-card-payments/) - Most credit card companies offer "automatic payments", where you can sign up for automatic withdrawals of either your minimum payment or full balance every month. Is this a good idea? This post will look at the big benefits and big drawback of automatic credit card payments. First, the benefits. If you pay your credit card
- [How to Be Smart With New Credit Cards](https://personalprofitability.com/how-to-be-smart-with-new-credit-cards/) - Getting a new credit card in the mail can be exciting, particularly if you only have a few at home. Opening the envelope and pulling out the new piece of plastic with your name on it and the buying power that comes with it is exciting, but make sure to be responsible when you get a new card.
- [How To Avoid Credit Card Fee Traps](https://personalprofitability.com/how-to-avoid-credit-card-fee-traps/) - Everyone knows that credit cards come with a certain amount of fees. That’s to be expected; it’s part of the way the credit process works, and there’s not a lot consumers can do except comparison-shop for the best deals.
- [PPP118: Understanding Economics With Andrei Polgar](https://personalprofitability.com/episode118/) - In this episode, Andrei Polgar talks easy-to-understand economics and gives us actionable tips on preparing financially in an uncertain economy.
- [PPP117: 7 Ways Public Speaking Helps Your Business](https://personalprofitability.com/episode117/) - In this episode with Martin Dasko, we discuss how public speaking can help your business! Learn how public speaking brings value & profit to your business!
- [PPP115: Planning Your Dream Vacation](https://personalprofitability.com/episode115/) - On Episode 115, we're chatting with Martin Dasko about how to plan your dream vacation. We have some awesome planning tips you won't want to miss!
- [PPP112: Whitney Hansen on What Regular People Need to Know About Accounting](https://personalprofitability.com/episode112/) - Welcome to episode 112, what regular people need to know about accounting! It's our last episode with Whitney Hansen and we cover lots of accounting topics.
- [PPP114: Talking Budget Travel with Martin Dasko](https://personalprofitability.com/episode114/) - Welcome to Episode 114! We are talking to Martin Dasko about budget travel, which is the first episode in this month long series with Martin on travel!
- [June 2018 Online and Side Hustle Income Report](https://personalprofitability.com/june-2018-online-and-side-hustle-income-report/) - Welcome to my June 2018 income report! Get the breakdown on my $10k+ monthly income and what I'm doing to add another zero in the future!
- [PPP113: Climbing Out of Debt with Ericka Young](https://personalprofitability.com/episode113/) - Welcome to episode 113, where we talk to Ericka Young about climbing out of debt. Ericka also gives us a crash course on her four-step debt free plan!
- [Happy Birthday to Me – The Best Birthday Party on a Budget](https://personalprofitability.com/happy-birthday-to-me-the-best-birthday-party-on-a-budget/) - Happy birthday to me, happy birthday to me. Happy birthday dear me, happy birthday to me.
- [PPP111: How to Get Paid for Work Online](https://personalprofitability.com/episode111/) - If you work online, you know how important it is to #getpaid. But what's the easiest way to get paid? We break it down for you -
- [PPP110: 5 First Steps for New Entrepreneurs](https://personalprofitability.com/episode110/) - In this episode, Eric & Whitney talk 5 must-do first steps for new entrepreneurs. You won't want to miss this #business episode!
- [PPP109: 5 Core Skills to Conquer Your Money](https://personalprofitability.com/episode109/) - Changes are coming to the Personal Profitability podcast! In this episode, we get back to basics with Whitney Hansen and the 5 core skills you need to conquer your money -
- [May 2018 Income Report and Side Hustle Update](https://personalprofitability.com/may-2018-income-report/) - Hey there Profiteers! It is officially summer, and time to drop my May 2018 income report! Let's dive into the last month in Profitability.
- [PPP108: Money Tips from Lynnette Khalfani-Cox](https://personalprofitability.com/episode108/) - In this episode, I talk with Lynnette Khalfani-Cox, where she gives us a ton of smart money tips to help you achieve your own personal profitability -
- [Majoring in Getting a Job](https://personalprofitability.com/majoring-in-getting-job_07/) - This one is for the college students and parents of college students (or soon to be college students) in the audience. As an undergraduate, I majored in finance. As a business major, I knew that I would have opportunities for a job no matter what happens in the economy. My friends who were in engineering
- [PPP107: Talking Side Hustle Success with Andy Hill](https://personalprofitability.com/episode107/) - I'm happy to introduce this week's guest, Andy Hill, because we are covering several important topics related to personal finance, side hustling, and more -
- [Moving: Friends or Professionals](https://personalprofitability.com/moving/) - This past weekend, I moved into my new condo. It takes a lot of work to move, and you have to decide if it is better to pay a professional moving company or make the move on your own.
- [PPP105: How to Rebuild After a Setback with Matt Theriault](https://personalprofitability.com/episode105/) - Hey there Profiteers! I've got a great episode for you today, something we don't hear of too often. What happens when the industry you've chosen as "yours", the one to be part of your personal profitability, tanks? How do you rebuild? I talk about that and more in this episode with Matt Theriault -
- [PPP104: How Investing is Like Dating with Spencer Chambers](https://personalprofitability.com/episode104/) - How is dating like investing? It turns out, they have a lot of similarities and, if you can date, your can invest! Don't believe me? In this episode, I catch up with Spencer Chambers about his new book, investing, and more!
- [PPP103: Mastering Your Small Business Finances with Jonathan Ankney](https://personalprofitability.com/episode103/) - In this episode, I speak with Jonathan Ankney of Your Money and Your Business about small business accounting. There's no reason to fear small business accounting, and we'll cover a lot of important topics related to small businesses, bookkeeping, and more -
- [April 2018 Income Report and Side Hustle Update](https://personalprofitability.com/april-2018-income-report-and-side-hustle-update/) - It's time for the April 2018 Personal Profitability income report and side hustle update. I have good news on the freelancing side of the business and expect good things soon in three app projects I'm working on. See the gritty details in the April 2018 income report.
- [PPP102: Money Matters with Jen Hemphill](https://personalprofitability.com/episode102/) - Today's guest, Jen Hemphill, is a podcaster and author who focuses on "financial truth" primarily for women. In addition to being a military spouse and a bilingual Latina, Jen is passionate about helping women (and men) get their finances on track with their dreams -
- [Credit Inquiries: A Soft Hit vs. a Hard Hit on Your Credit](https://personalprofitability.com/credit-inquiries-a-soft-hit-vs-a-hard-hit/) - It is important to understand what will cause a soft hit vs. a hard hit on your credit, and what that does to your credit score over the next two years.
- [PPP101: Michael Anderson on the Importance of Financial Planning](https://personalprofitability.com/episode101/) - You may think that financial advisors are only for the wealthy, but they're not! In this week's episode of the Personal Profitability Podcast, I talk with Michael Anderson, a financial planner with the XY Planning Network about financial planning, money lessons, and more.
- [March 2018 Income Report and Side Hustle Update](https://personalprofitability.com/march-2018-income-report-and-side-hustle-update/) - Welcome back for this month's income report. March was a great month, and I'm excited to look back at how everything came together to see where I can draw out lessons to help us all find bigger and better success in our online and offline finances. Let's dive in!
- [PPP100: 100th Episode Spectacular!](https://personalprofitability.com/episode100/) - Hey everyone, welcome to episode 100! It's the 100th episode spectacual - and I have a BIG announcement (you might even notice it before I say it!) plus some other things to share -
- [PPP099: Kristin Wong on How to Get Money!](https://personalprofitability.com/episode99/) - Have you ever read an article by Kristin Wong? You probably have, you just don't know it! Kristin is a popular personal finance writer and has written for Lifehacker and the New York Times. In this episode, we'll chat about her new book, personal finance, and more.
- [PPP098: Carl Gould on Success in Business](https://personalprofitability.com/episode98/) - Today's guest really exemplifies living the personal profitability lifestyle. Carl Gould started three, million dollar plus businesses - all before the age of 40. In this episode he shares his story with us!
- [Escaping Verizon for Google Fi - Budgeting Big Wins](https://personalprofitability.com/google-fi/) - Google Fi is a new phone service from Google, and moving from Verizon saved me nearly $1,000 per year on my phone bill.
- [PPP097: Investing for the Future With Chris Costello](https://personalprofitability.com/episode97/) - Are you worried you're saving enough for retirement, but you're not quite sure what you should focus on? Don't let analysis lead to paralysis - take a listen to this week's podcast episode with retirement pro Chris Costello.
- [Selling Out: Do Business People Have a Soul?](https://personalprofitability.com/selling-out/) - A long time ago in a galaxy far, far away… I mean, more like ten years ago about twenty minutes south on I-25, I took my first business and economics classes. Those classes changed my life and my outlook.
- [Preparing for Your First Joint Tax Return](https://personalprofitability.com/preparing-first-joint-tax-return/) - If you are newly married, you have to decide if you want to file a joint tax return. There are a ton of implication of tying the knot you need to know.
- [PPP096: The Magic Behind Podcast Editing with Corey King](https://personalprofitability.com/episode96/) - When you listen to your favorite podcast (hopefully this is one of them!), I bet you never think about all the work that goes on behind the scenes of making that podcast sound amazing and seamless. The magic of podcast editing with Corey King!
- [Personal Profitability Income Report February 2018](https://personalprofitability.com/personal-profitability-income-report-february-2018/) - Here's how my income broke down in February, and a sneak peek of new projects I'm working on to keep the profitability train driving forward!
- [How You Spend Points and Miles Is Just As Important As Earning Them](https://personalprofitability.com/how-you-spend-points-and-miles-is-just-as-important-as-earning-them/) - About four years ago I made the transition from being a casual earner of frequent flier miles to becoming a serious mileage junkie. How serious am I? I attend conferences devoted to the subject and make a nice living writing about loyalty travel programs and credit cards. But having earned millions of points and miles through some ingenious methods, I reached an inescapable conclusion that will sound very familiar to personal finance enthusiasts: Spending points and miles wisely is at least as important as finding ways to earn them.
- [Appreciate What You Have Around You](https://personalprofitability.com/appreciate-what-you-have-around-you/) - On Friday I took a hike with a group of co-workers to the top of the 14,265 foot Quandary Peak. The hike was challenging, but all 61 of my group made it to the top. The view was astounding. The mountain was exhausting. Reaching the summit was rewarding. After fighting through the headache and dehydration
- [7 Ideas to Make Your Commute Suck Less](https://personalprofitability.com/make-your-commute-suck-less/) - I drive 20 miles in rush hour traffic to work and back every day. I have a good job at a good company and I live where I want to live around friends and a great neighborhood. But connecting the two is torture every day. Here are six ways I’ve found to make the drive
- [PPP058: I'm Jordan Goodman and I'm The Money Answers Man](https://personalprofitability.com/episode58/) - Jordan Goodman has the nickname "The Money Answers Man" thanks to decades writing for top money publications. We talk early mortgage payoff and more!
- [How I Make More Money in Spare Time](https://personalprofitability.com/how-i-make-more-money-in-spare-time/) - I have taken Ramit Sethi's thoughts on making an extra $1,000 per month to heart.
- [The Ultimate Guide to Making Money with Lending Club](https://personalprofitability.com/ultimate-guide-to-lending-club/) - I have been using Lending Club since 2009 to try to make the best return on my investment. Here’s how I get over 11% returns and how you can do it too.
- [January 2014 Net Income and Earnings Update](https://personalprofitability.com/january-2014-net-income-and-income-update/) - Hello from Portland! Last month, I shared the big news that DenverEric is moving to Portland. Well, one month later and here I am. I have a post written for later this week that will give you all the details of how I ended up here. But for now, let's just dive into the usual stuff and how my net worth and online income fared this month.
- [PPP004: Can I Invest My Tax Refund in an IRA and File an Amended Return?](https://personalprofitability.com/episode4/) - Today a listener asks if you can take your tax refund, invest in an IRA, and file an amended return to get a second refund. Finance Diva Nichole joins in.
- [PPP041: Smart Business Partnerships with Joe and Kathleen from Stacking Benjamins](https://personalprofitability.com/episode41/) - Recorded live in San Diego, we discuss the ups and downs of creating a successful business partnership with Joe and Kathleen from Stacking Benjamins.
- [Buy Discounted Gift Cards to Save on Purchases](https://personalprofitability.com/buy-discounted-gift-cards-to-save-on-purchases/) - If you regularly make purchases at any major chain store or online website, you can most likely save 6% or much more (up to 30%) using sites like CardPool.
- [PPP005: I'm Melanie and I Quit My Job to Work for Myself](https://personalprofitability.com/episode5/) - Today we welcome guest Melanie Lockert, a self-employed freelancer who quit her job in a non-profit to work for herself. She also happens to be one of our writers here at Personal Profitability. Melanie began her career with plenty of student debt after attending college in California and graduate school at NYU in New York
- [What is an Overdraft Line of Credit?](https://personalprofitability.com/overdraft-line-of-credit/) - In the wake of 2010 banking regulations that require customers opt-in to get their overdrafts paid, and pay overdraft fees, banks have been pushing overdraft lines of credit as an "alternative to save you money." Let's take a look at how good of a deal this really is for the typical bank customer. What is
- [Should I Set Up a Company for Side Income?](https://personalprofitability.com/should-i-set-up-company-for-side-income/) - Many Narrow Bridge Finance readers work on a side project or hobby outside of their main job to earn side income. While managing the finance for side income is only a small project early on, as the company grows it becomes more complicated. At that point, it is best to decide if it is worthwhile to create a legal company for business operations.
- [An Amazing Trip to Israel on a Budget](https://personalprofitability.com/an-amazing-trip-to-israel-on-a-budget/) - A while back, I shared how I bought two round trip tickets to Israel for $280 using a credit card churn and fee airline miles. Yes, that’s right. $140 per person round trip including all taxes and fees. Well, I just got back and want to share how we had an amazing trip on a budget.
- [5 Ways to Save Money and the Environment This Summer](https://personalprofitability.com/5-ways-to-save-money-and-the-environment-this-summer/) - Every summer, people around the world see their utility bills rise as they turn on air conditioners and start watering lawns. It isn’t hard to see why costs go up, but it only takes a few small steps to save a lot of money each summer. Here are five ideas to get you started.
- [June 2013 Net Worth and Earnings Update](https://personalprofitability.com/june-2013-net-worth-and-earnings-update/) - May was a great month. I visited family and friends in Israel, had a day in Frankfurt, and still managed to grow my net worth.
- [My New Stock Investment: The Coca Cola Company](https://personalprofitability.com/my-new-stock-investment-the-coca-cola-company/) - Long time readers already know that I am a fan of Warren Buffet. His value investing strategy has led to massive gains over the years. So when I have a little free cash, one place I always look is at the stocks Warren has bought for Berkshire Hathaway. This week, I purchased The Coca Cola Company. Here’s a brief analysis to explain why I did it.
- [July 2013 Net Worth and Earnings Update](https://personalprofitability.com/july-2013-net-worth-and-earnings-update/) - What an exciting June! I visited Seattle, went camping in the Colorado mountains, rocked out with the Dandy Warhols, danced with Dada Life, and I have no plans to slow down in July. Here's a breakdown of how my money treated me last month.
- [How Mortgages Work](https://personalprofitability.com/how-mortgages-work/) - Do you realize how many types of mortgages are offered today? You most likely know about some of the most common, but what are the true details of these mortgage types? And what are the other types of mortgages that are offered? Is your mortgage right for your situation? Let's first explore the various types of mortgages that are offered and how they work.
- [Are Expensive Wines Worth the Money?](https://personalprofitability.com/are-expensive-wines-worth-the-money/) - If you are a wine fan like me, you sometimes struggle to find the right balance between quality and cost. According to a study by Freakonomics authors Stephen Duber and Steven Levitt, price has very little to do with quality. That led me to wonder if most of us overpay for wine.
- [3 Simple Ways to Save Money on Your Lawn Care this Summer](https://personalprofitability.com/3-simple-ways-to-save-money-lawn-care-this-summer/) - It's nearly summer time, which usually means yard work season. There are easy ways to save money on your lawn care if you know where to look for them.
- [September 2013 Net Worth and Earnings Update](https://personalprofitability.com/september-2013-net-worth-and-earnings-update/) - Can you believe it is already September? Summer is on the way out and fall is on it's way here. I just got back from an awesome long weekend trip to Portland, Oregon. It was my first time having a real trip to Oregon, and we had an awesome time.
- [October 2013 Net Worth and Earnings Update](https://personalprofitability.com/october-2013-net-worth-and-earnings-update/) - Happy October everyone! Fall is here, Halloween is on its way, and I have a lot going on in the next month. I'm excited to share it all with you, and how my financial picture ended for the month.
- [November 2013 Net Worth and Earnings Update](https://personalprofitability.com/november-2013-net-worth-and-earnings-update/) - Fall is falling and winter is on its way. Happy November everyone! I hope you had an excellent Halloween. I had quite an October filled with the Financial Blogger Conference, a mega Halloween party, a trip to Santa Barbara, and, oh yeah, I got engaged!
- [4 Uncommon Ways to Start Saving Money this Year](https://personalprofitability.com/uncommon-ways-to-start-saving-money-this-year/) - With the New Year upon us, many are looking for ways to save money. We've all heard of the common ways, but what are some uncommon ways to start saving money?
- [Should You DIY?](https://personalprofitability.com/should-you-diy/) - Have you ever tackled any Do-It-Yourself projects? I bought a foreclosed house in 2011 and had never before done any sort of construction work on my own. But, thanks to YouTube and my new-found friends at Lowes, I was actually able to figure out quite a lot.
- [Start Planning Your Home Summer Maintenance Projects](https://personalprofitability.com/home-summer-maintenance-projects/) - Have you started your list of summer maintenance projects? If not, here is a comprehensive list of nine things that you should do before summer is over.
- [May 2013 Net Worth and Earnings Update](https://personalprofitability.com/may-2013-net-worth-and-earnings-update/) - Now that bonus season has passed, my net worth leveled off a bit and I am starting to make future plans for my debt and savings for the rest of 2013.
- [Should I Pay My Significant Other’s Debt?](https://personalprofitability.com/should-i-pay-my-significant-others-debt/) - In a perfect world, we wouldn’t have to worry about student loans and credit card debt when dating, but credit score dating has become a real thing. Once you are past dating and in a serious relationship, things get even more complicated.
- [How to Have an Unforgettable Summer Vacation and not Bust Your Budget](https://personalprofitability.com/how-to-have-an-unforgettable-summer-vacation-and-not-bust-your-budget/) - Summer vacation season will be soon upon us. With a little planning and creativity you can have an unforgettable vacation without spending too much on it.
- [3 Great Ways to Celebrate the Fourth of July on the Cheap](https://personalprofitability.com/3-great-ways-to-celebrate-fourth-of-july/) - Tomorrow is the Fourth of July and there are many ways to celebrate and still be frugal. What are some of your favorite ways to celebrate the holiday?
- [6 Myths About Frequent Flyer Miles Exposed](https://personalprofitability.com/6-myths-about-frequent-flyer-miles-exposed/) - I have so many friends that pay full price for their flights. Every time they tell me they can’t take a trip because of the cost, I tell them that there are tons of ways to use miles and points to travel cheap. Here are some of the reasons they give me for thinking they can’t travel cheap, but are not really true.
- [The Secret World of Business Travel You Didn’t Know Existed](https://personalprofitability.com/secret-world-business-travel-didnt-know-existed/) - Business travel status has its perks. Business and wealthy travelers get free upgrades and perks above what many travelers even know exist.
- [Should You Have a Safe Deposit Box?](https://personalprofitability.com/should-you-have-safe-deposit-box/) - Safe deposit boxes can be a great way to keep valuables safe. Many people don't realize how affordable it can be to have extra protection for your most valuable documents, data, and heirlooms.
- [3 Easy Ways to Save Money on Everyday Expenses](https://personalprofitability.com/3-easy-ways-to-save-money-on-everyday-expenses/) - There are many ways to stretch your budget and save money on everyday expenses. Those savings can add up over time and help you stretch your budget.
- [How Credit Cards Are Paying For My Birthday Party in Vegas](https://personalprofitability.com/how-credit-cards-are-paying-for-my-birthday-party-in-vegas/) - Have you ever earned a free plane flight or hotel stay thanks to churning credit cards? What are some of your tips to get the most out of your points?
- [How Dividend Payments Work](https://personalprofitability.com/how-dividend-payments-work/) - Unless you are in retirement, non-dividend stocks may be better than ones that pay out a dividend. But can you game dividends to make even more?
- [How My Family of Five Keeps Its Grocery Bill Under $500 per Month](https://personalprofitability.com/grocery-bill-500-per-month/) - If you have a growing family you know how difficult it can be to keep your grocery bill low. I share some tips for how we keep our grocery spending under $500 a month.
- [When Your Loan Transfers to A New Servicer](https://personalprofitability.com/when-loans-move-to-another-bank/) - Banks regularly sell loans to other banks and institutions. When your loan transfers to a new bank, you might have to make your payments to someone else.
- [I Hate My Bank, Where Should I Go?](https://personalprofitability.com/i-hate-my-bank-where-should-i-go/) - The banking industry has changed a lot in the last 10-20 years - not by plan, but by necessity to survive.
- [What to Do if You Find Yourself in Credit Card Debt](https://personalprofitability.com/what-to-do-if-in-credit-card-debt/) - Many individuals have dealt with credit card debt on one level or another. By dealing with the problem head on you can improve your chances of slaying it.
- [Why Credit Card Debt Should be One of the Seven Deadly Sins](https://personalprofitability.com/why-credit-card-debt-should-be-one-of-the-seven-deadly-sins/) - You all know that I think credit cards are awesome. Credit card rewards have helped me travel the world for almost nothing, and they can be the doorway to great travel benefits. However, credit card debt can be crippling financially and should be avoided at all costs.
- [Why You Should Make Almost Every Purchase with a Credit Card](https://personalprofitability.com/why-you-should-make-almost-every-purchase-with-a-credit-card/) - Last week, 40 million Target shoppers, myself included, had their payment data stolen. Whether you used a credit or debit card, if you paid with anything but cash at a Target store, your data may have been stolen.
- [Is Your Credit Card Debt Worth the Cost?](https://personalprofitability.com/is-your-credit-card-debt-worth-the-cost/) - Credit card debt can be like a noose around your neck if not taken care of in a timely fashion. Ask yourself if it is worth that cost in the long run.
- [A Look in My Wallet – Starwood Preferred Guest from American Express](https://personalprofitability.com/a-look-in-my-wallet-starwood-preferred-guest-from-american-express/) - Today, I am going to share one card that I carry in my wallet every day, the Starwood Preferred Guest from American Express.
- [The Easy Way to Hit Credit Card Minimum Spend for Miles and Points Bonuses](https://personalprofitability.com/the-easy-way-to-hit-credit-card-minimum-spend-for-miles-and-points-bonuses/) - Almost every new credit card I sign up for comes with a large, up-front miles or points bonus for spending a certain amount in a certain timeframe.
- [4 Tips to Retire Wealthy](https://personalprofitability.com/4-tips-to-retire-wealthy/) - How often do you think about retirement? If you are anything like me, you think about the future quite a lot to ensure a long, stress free life. If, however, you are like most of the U.S., then you are probably saving something for the future, but it is very little in comparison to your current earnings. And also, if you are like the majority, you have no idea if what you're saving will even be enough once you retire!
- [Getting Going on Retirement Savings](https://personalprofitability.com/getting-going-on-retirement-savings/) - We all want the ability to retire at some point in our lives. While the definition of retirement may be different for some of us, we want financial freedom when we are older to do what we want.
- [Investment Analysis: Valuing a Stock with Multiple Analysis](https://personalprofitability.com/valuation-of-stock-by-comparing-to/) - Lately, I have been a big fan of investing in low fee mutual funds and ETFs. It takes a lot less work and research to invest in funds than stocks. That doesn’t mean I don’t have any individual stocks though. There are many methods to value a stock, and a comparison to similar companies is an important part of the investor’s toolbox.
- [Six Steps to Take Now to Retire a Millionaire](https://personalprofitability.com/six-steps-to-take-now-to-retire-a-millionaire/) - So you want to become a millionaire? The path isn’t easy. Those seeking millionaire status are going to have to make some extreme lifestyle changes to get there, and here are six ways to start.
- [Build Your Pipelines and Grow Rich](https://personalprofitability.com/build-your-pipelines-and-grow-rich/) - Let me ask you this, "How many sources of income do you have?" You may have actually never heard this question before because most people have just one!
- [How to Avoid Wage Garnishment](https://personalprofitability.com/avoid-wage-garnishment/) - If you are in debt, find out ways to avoid wage garnishment. Wage garnishment is when a creditor takes money from your paycheck to fund an unpaid debt.
- [How to Save For Your First Home Purchase](https://personalprofitability.com/first-home-purchase/) - Are you saving up for your first home purchase, but it is taking forever? Try these tips and you might have your first home purchased before you know it.
- [PPP018: All You Need to Know about the Stock Market](https://personalprofitability.com/episode18/) - Today we take a deep look into the stock market. Where it came from and how it works today. Learn how to open your investment account and trade stocks free.
- [Turning a Hobby into Income](https://personalprofitability.com/turning-hobby-into-income/) - In 2008, I started this blog as a hobby with a goal of making a few bucks in extra income. It took a lot of hard work, but this site is now generating about 15% of my annual income before taxes. That is pretty sweet! Here are some tips to turn your hobby into income.
- [How to Avoid ATM Fees](https://personalprofitability.com/how-to-avoid-atm-fees/) - I rarely use cash anymore, but it is inevitable that we all need cash for something at one time or another. To make sure you don’t get stuck throwing away money on ATM fees, plan ahead or follow these tips.
- [December Recap and 2012 Money Reflections](https://personalprofitability.com/december-recap-and-2012-money-reflections/) - What a year. Memories were made, countries were visited, relationships were made, businesses were started. 2012 was possibly the busiest year of my life. I had a lot going on and I am proud of what has happened. Here are some highlights from the blog and elsewhere.
- [PPP037: Kevin Smith and Friends at Podcast Movement](https://personalprofitability.com/episode37/) - Kevin Smith dropped in to join me with personal finance experts Michelle Jackson, Miranda Marquit, and Phillip Taylor to discuss side income and careers.
- [4 Ways to Save by Doing Little Things](https://personalprofitability.com/saving-by-doing-little-things/) - Most of us have heard of the "latte factor" and how we can save a lot in the long run by spending a little less in the short run. While some bloggers love the latte rule and others think it is stupid, here are some ways to find the latte in your life to save big in the long run.
- [Donations and Giving](https://personalprofitability.com/donations-and-giving/) - As we move through the holiday season, many people take a few minutes to stop thinking about themselves and start thinking about giving money to their community. I grew up a big advocate of giving my time rather than my money. As my career has moved forward, I am now more easily able to give money. Deciding how much to give, and where, is an important decision for your personal finances.
- [4 Banks with No Fee Checking and Savings](https://personalprofitability.com/4-banks-with-no-fee-checking-and-savings/) - I had a checking account at US Bank for more than ten years. When I signed up, I filled out forms for a “free checking for life” account. Last year, they decided to start charging a monthly fee. I closed the account. While there was no option to keep my free checking for life at US Bank, I have found many banks that offer free accounts.
- [Be Prepared to Lose Your Wallet](https://personalprofitability.com/be-ready-to-lose-your-wallet/) - Hopefully you will never have to go through this scenario that millions of people have had to deal with. Only one in five lost wallets makes it way back to its owner, so it is very important to be prepared for the worst case scenario if your wallet goes missing.
- [Should I Refinance My Mortgage?](https://personalprofitability.com/should-i-refinance-my-mortgage/) - Last week, I did some digging on mortgage rates and had a talk with my mortgage banker, who happens to be a work friend of my Dad’s. After talking for a bit, she found me a rate that seemed almost too good to be true. 2.875% is a big improvement from my 4.25% mortgage. I did an analysis to figure out the best decision for me.
- [6 Best Mobile Apps to Save You Time](https://personalprofitability.com/6-best-mobile-apps-to-save-you-time/) - Earlier this week, I shared my 5 best mobile apps to save you money. Now, it is time for my favorite time savers. I use these for my to-do lists, idea tracking, businesses, and general productivity.
- [Keep a Thin Wallet: Convert 8 Cards into One With Coin](https://personalprofitability.com/keep-a-thin-wallet-convert-8-cards-into-one-with-coin/) - On Friday, I pre-ordered a Coin. Coin is a new, high tech card that helps on the quest to have an organized wallet and a minimalist wallet.
- [How to Set a Savings Goal](https://personalprofitability.com/how-to-set-a-savings-goal/) - We just discussed how to make saving a habit, but a lot of people do not know how much to save. Since you know how to save, today take a few minutes to decide on a saving goal and put a savings plan to action.
- [5 Tips for an Organized Wallet (or Purse)](https://personalprofitability.com/organized-wallet-purse/) - While I was once on the verge of the Costanza Wallet, I have since become an organized wallet guru and love my minimalist wallet approach.
- [Why Couples Need a Weekly Family Business Meeting](https://personalprofitability.com/family-business-meeting/) - If you are married, it is important to make sure you are on the same page with your money priorities. Get started with a weekly family business meeting.
- [How to Make Saving A Habit](https://personalprofitability.com/how-to-make-saving-a-habit/) - The end of the year is here, so it's a good time to look at your finances. Look for ways to curtail spending and improve your money saving efforts.
- [Should I Max Out My Roth 401k?](https://personalprofitability.com/should-i-max-out-my-roth-401k/) - Many people ask the question, "Should I max out my Roth 401k?" As with any financial question, the answer is, "It depends".
- [Should I Max My 401(k) or my Roth First?](https://personalprofitability.com/should-i-max-my-401k-or-my-roth-first/) - A commenter had a great question about the value of maxing your Roth IRA first or your company’s 401(k) plan first. Here's how to decide which to max first.
- [How the Stock Market Works](https://personalprofitability.com/how-the-stock-market-works/) - Millions of dollars are made and lost every minute the stock market is open. It can be intimidating to get started, but once you get a grasp on how it works, you will can invest with ease.
- [Start Your New Year Investment Goals for Free – How Loyal 3 Works](https://personalprofitability.com/new-year-investment-goals-for-free/) - A few months back, I shared a great new investing platform at Loyal3. Loyal3 offers retail investors (that means you and me, not super high volume traders) a way to buy stocks in companies we believe in and use every day with no trading fees. I thought it was too good to be true, so I tried it out and asked the great folks at Loyal3 some questions about how their platform works.
- [PPP008 Fractional Shares of Stock](https://personalprofitability.com/episode8/) - What happens when you end up with less than a whole share of stock? Learn about fractional shares in this episode of the Personal Profitability Podcast.
- [PPP006: How Do I Automate Retirement Contributions when Self Employed?](https://personalprofitability.com/episode6/) - If you are self employed, you still need to make retirement contributions. Here is how to automate them even with irregular income.
- [7 Unexpected Uses for Banks](https://personalprofitability.com/7-unexpected-uses-for-banks/) - Most of us think about banks for checking and savings accounts, tellers and ATMs, but don’t know about the wide array of services some banks offer. In my time working in a bank, I learned a ton about what we had to offer, and some larger, national banks offer even more.
- [6 Awesome Benefits of the Affordable Care Act](https://personalprofitability.com/6-awesome-benefits-of-the-affordable-care-act/) - I have spoken to many friends over the last month or so about the Affordable Care Act, commonly known as Obamacare, about the benefits they can get from the new law. There are so many lies and so much misinformation out there regarding the law, it is important to understand the key benefits you get from this historic legislation.
- [3 Great Ways to Bring the Tailgate Party Home](https://personalprofitability.com/great-ways-bring-tailgate-party-home/) - Going to a tailgate party can be fun. But if you're no longer on campus, you can still enjoy tailgate parties at home and do so without busting your budget.
- [Connect with Narrow Bridge Around the Web](https://personalprofitability.com/connect/) - Come connect with me online, on social media, and say hello!
- [Build Your Own Low Interest Equity Credit Card](https://personalprofitability.com/build-your-own-low-interest-equity/) - Do you own a home and have credit card debt? Tap your home equity and create a HELOC with a debt card to get debt free faster and save big on interest.
- [11 IFTTT Recipes To Make Your Finances Easier](https://personalprofitability.com/using-ifttt-to-make-your-finances-easier/) - IFTTT is one of the most useful (and free) web apps I have ever found. IFTTT, which stands for “If This, Then That” can automatically connect you, your social media, news, and tons of other apps for automatic actions. Here are a few of my favorite recipes for staying connected to your finances and saving money.
- [Term Life Insurance is a No Brainer for Millennials](https://personalprofitability.com/term-life-insurance-no-brainer-millennials/) - This article was sponsored by SelectQuote, but all thoughts and opinions are my own. If you enjoyed it, give it a share with the hashtag #SQinsurance! Millennials are proving to be a unique generation dealing with personal finances. Despite our YOLO reputation, Millennials are proving to be bigger savers and 401(k) investors than our Generation X predecessors, but
- [Large Currency Transactions](https://personalprofitability.com/large-currency-transactions/) - Large currency transactions are tracked by banks and the government by law. Learn about $10,000+ large currency transactions.
- [Travel Hacking on a Budget](https://personalprofitability.com/travel-hacking-on-a-budget/) - Travel hacking can be a great way to earn rewards for a free trip if you do it right. I share some of the secrets of travel hacking while also living on a budget.
- [What Would You Do If You Had $10,000?](https://personalprofitability.com/what-to-do-with-10000/) - What should you do with $10,000 if you get a financial windfall? It is important to invest and spend wisely rather than waste in on short-term thrills.
- [Underpants Gnome Capitalism](https://personalprofitability.com/underpants-gnome-capitalism/) - Phase 1: Collect Underpants. Phase 3: Profit. Who says you can't learn any good financial lessons from South Park?
- [How to Steer Your Investment Portfolio in the Direction of Success](https://personalprofitability.com/steer-investment-portfolio-success/) - There are many things you can do that will impact your investment portfolio, the key is to know what your goals are and to manage your portfolio accordingly.
- [5 Examples of Indulgences of the Super Rich](https://personalprofitability.com/5-examples-of-indulgences-of-the-super-rich/) - We all dream about living the lifestyles of the rich and famous, but I wondered what the rich and famous dream about. Here is a list of a some extravagant collections and purchases that even most millionaires could only dream of.
- [Easy Ways to Save with Amazon Subscribe and Save](https://personalprofitability.com/save-with-amazon-subscribe-and-save/) - I don’t like shopping. I don’t like going to the store. I don’t like lines. I don’t like the parking lots. I don’t like carrying bags of stuff back home. Just not my thing. For a handful of items that I need regularly, I found I can save the time and inconvenience, plus 5, using Amazon’s subscribe and save.
- [Saving Money: Summer Checkup](https://personalprofitability.com/saving-money-summer-checkup/) - It's hard to believe it, but half of the year is gone. Instead of letting the summer malaise hit you, look forways to be saving money to end the year right.
- [Get Rich By Doing It Slowly](https://personalprofitability.com/get-rich-by-doing-it-slowly/) - Have you ever had the urge to get rich? To go out to eat whenever you wanted, buy that perfect cottage on the lake, and travel to every possible country you can think of? It sure sounds nice doesn't it?
- [When Is Living On Credit Cards The Right Thing to Do?](https://personalprofitability.com/living-credit-cards-right-thing/) - In many cases living on credit cards should be a last option — but when is living on credit cards the right thing to do? Find out 3 scenarios when it's ok.
- [What is a HELOC?](https://personalprofitability.com/what-is-a-heloc/) - Driving around your hometown, you probably see signs in bank windows that advertise HELOCs. What is a HELOC anyway? This guide will get you started.
- [4 Potential Uses for Your Income Tax Refund](https://personalprofitability.com/4-uses-for-income-tax-refund/) - Taxes are due soon which means you might be getting an income tax refund. There can be many uses for this found money, depending on what your financial situation is.
- [Your Car Cost of Ownership is Killing Your Net Worth](https://personalprofitability.com/car-cost-of-ownership/) - Did you know that you car cost of ownership could be killing your net worth? Many families own two cars, and that hurts their finances more than it helps.
- [PPP003: I'm Jeff and I Own Six Niche Sites](https://personalprofitability.com/episode3/) - Join me and Jeff Fruhwirth of Sustainable Life Blog as we discuss growing your side income, health insurance, and our biggest online failures.
- [Bank Review: Capital One 360](https://personalprofitability.com/bank-review-capital-one-360/) - Capital One 360 is a very popular online bank. In six years as a customer, I have learned the upsides and the downsides to Capital One 360 Checking.
- [6 Ways to Get Money in a Hurry](https://personalprofitability.com/how-to-get-money-in-a-hurry/) - Everyone doesn't follow the advice to have an emergency fund for times when you need cash in a pinch. Other people get stuck needing more than they saved for. Whether your car breaks down or your water heater blows up, sometimes you need cash in a hurry.
- [6 Reasons Financial Advisors Are Scarier Than Dating Taylor Swift](https://personalprofitability.com/financial-advisors-are-scarier-than-dating-taylor-swift/) - The 23 year old singer broke into the spotlight with poppy, catchy songs a few years ago. As she rose to fame for her music, she also gained a reputation for being a serial dater. The celebrity list includes singer/actor Joe Jona, actor Taylor Lautner, musician John Mayer, actor Jake Gyllenhaal, Kennedy heir Conor Kennedy, and singer Harry Styles. Then she writes songs about them…
- [What is the Dow Jones Industrial Average?](https://personalprofitability.com/what-is-the-dow-jones-industrial-average/) - Have you ever wondered what the Dow Jones Industrial Average actually is? This list of 12 companies has become a cornerstone of our financial markets.
- [3 Simple Ways to Save on Your Summer Vacation](https://personalprofitability.com/save-on-summer-vacation/) - Going on summer vacation is a rite of passage for many families but can be quite costly. I share some ways to save on your summer vacation yet still have a blast.
- [Underwrite Yourself for a Loan](https://personalprofitability.com/underwrite-yourself-for-a-loan/) - Have you ever wondered how bankers decide whether or not to approve a loan? Have you ever been rejected for a loan? Are you interested in a new loan sometime in the near future? If so, you should probably know a bit about how bankers underwrite loans to decide whether to approve or deny prospective
- [How to Save for Retirement When You’re Self-Employed](https://personalprofitability.com/save-for-retirement-self-employed/) - It can be difficult to balance trying to save for retirement while being self-employed. While it's more difficult, these tips should help you get started.
- [Skip the Airport Security Line for $20 per Year](https://personalprofitability.com/skip-the-airport-security-line-for-20-per-year/) - Thanks to TSA Pre-Check, each time I go through security it’s a breeze. And for $20 per year, there is no reason any frequent traveler should go without it.
- [How Public Employee Retirement Accounts Work](https://personalprofitability.com/how-public-employee-retirement-accounts-work/) - A Narrow Bridge reader recently asked this seemingly simple question: If you leave employment, what should you do with your Colorado PERA account (a retirement account for public employees in Colorado)? We know public pensions can be a bit nebulous, so we thought it was a good opportunity to dive deep on this topic.
- [Signs Your Side Hustle Has Become a Career](https://personalprofitability.com/signs-side-hustle-career/) - Side hustles are becoming more popular as people are looking for ways to make more money. I share tips to look for in the event your side hustle turns into a career.
- [October 2016 Earnings and Investments Update](https://personalprofitability.com/october-2016-earnings-and-investments-update/) - For the second month in a row, I've had my second best revenue month ever! It is great to see the trend moving the right direction, and with FinCon 2016 behind me, I see only record breaking opportunities in the coming months. I'm hoping for a new record by the end of the year, but only
- [5 Ways to Reduce Your Food Expenses](https://personalprofitability.com/5-ways-to-reduce-your-food-expenses/) - Do you realize that a large portion of your earnings are going straight to your stomach each month?
- [Easy Ways to Slash Your Grocery Bill](https://personalprofitability.com/easy-ways-slash-grocery-bill/) - If there is one necessity in our budget that we absolutely can’t live without, it is food. Cutting grocery bills can be a big challenge.
- [What to Do If Your Job Does Not Give You Insurance](https://personalprofitability.com/what-to-do-if-your-job-does-not-give/) - In my adult life, I've had two short spells where I didn't have insurance from my job. The first time was while working as a server at a restaurant between jobs in 2008, the second is right now, where my new company's insurance doesn't kick in for 90 days. In those times, I have had to find my own insurance or be in scary situation of not having insurance.
- [Should You Get A Credit Card After Paying off Debt?](https://personalprofitability.com/credit-card-paying-off-debt/) - If you just finished paying off debt you may start to wonder about when you should get a new credit card. Here are some common tips to get you started.
- [How to Manage Student Loan Payments when Self-Employed](https://personalprofitability.com/student-loan-self-employed/) - Are you self-employed and in debt? Learn how you can rock self-employment and continue to pay off debt.
- [Call Comcast to Ask for a Discount](https://personalprofitability.com/call-for-a-discount/) - Dealing with Comcast can be a nightmare, but persistence can pay off and save you a lot of money through a service discount.
- [How to Get Your New Year’s Resolutions Back on Track](https://personalprofitability.com/get-new-years-resolutions-on-track/) - We're about six weeks in to the New Year - how are you doing on your resolutions? If they're off track, it's still possible to be successful if you focus on it.
- [How Often Do You Plan For Your Retirement?](https://personalprofitability.com/plan-for-your-retirement/) - It is common for a family to spend more time planning for their big vacation each year than on planning for their retirement. Does that seem strange to you?
- [3 Simple Ways to Finish Your Financial Year off Right](https://personalprofitability.com/finish-your-financial-year-off-right/) - Believe it or not, but the year will soon be over. What are you doing to make sure you finish your financial year off right? How will you meet your goals?
- [PPP002: Pay off Debt or Save for Retirement?](https://personalprofitability.com/episode2/) - Reader Erin asks if she should pay off her student loans before she starts saving for retirement in this episode of the Personal Profitability Podcast.
- [How I Got a 40% Raise by Ignoring the Advice of a Recruiter](https://personalprofitability.com/how-i-got-a-raise/) - When I was nearing graduation from the University of Colorado with my shiny new finance degree, I thought I knew it all. In retrospect, however, I can see the huge blunders I made starting five minutes into my first on-campus job interview. I sat down with two young consultants visiting for the day from an
- [How to Overcome Being Tired of Paying Off Debt](https://personalprofitability.com/overcome-being-tired-paying-off-debt/) - Paying off debt can often lead to fatigue. The key is to not give in to it, but to find ways to combat it so you can stay focused on your debt payoff goal.
- [How I Moved to My Dream City, Found a New Job, and Got a Big Raise All At Once](https://personalprofitability.com/dream-city-portland/) - I felt stuck. I was living in the same city my parents chose when I was 5 years old. I was in an industry with lots of consolidation and at a company with little room for growth. I had a great boss and a great job, but didn’t see any path to promotion. I was happy in Denver, but had never tried anything else. I decided it was time to make a change. A big change.
- [How to Setup an HSA](https://personalprofitability.com/setup-hsa/) - Do you want to open or start and HSA but you don't know where to start. Here's all you need to know about your first health savings account.
- [The Many Side Hustles of Eric Rosenberg](https://personalprofitability.com/the-many-side-hustles-of-eric-rosenberg/) - To pay for my home and the majority of my life, I work a full time day job as a financial analyst at a large local employer. Outside of work, my biggest hobby is making money. That has become a web of hobbies and companies that I use to make quite a bit more on the side.
- [Is Cell Phone Insurance Worth the Cost?](https://personalprofitability.com/is-cell-phone-insurance-worth-the-cost/) - When you go into the store and pick out your fancy new Android or iPhone, the sales folks always offer you an insurance plan for your phone. These plans are usually about $10 per month and sound like a good deal, but is it really worth the cost?
- [Money Mysteriously Missing? Get a Clue, It’s You!](https://personalprofitability.com/money-mysteriously-missing-get-a-clue-its-you/) - Many of us have had a moment when we are standing eyes wide and jaw dropped staring at a bill. You might think to yourself, “There is no way I spent this much.” It can even feel like some mysterious conspiracy against you. Unfortunately, you are the number one suspect in this crime against your personal finances. Here are 5 clues that will reveal that the culprit was you in the store with a credit card.
- [3 Areas Not to Overlook as You Financially Prepare for Next Year](https://personalprofitability.com/financially-prepare-next-year/) - A new year will be upon us soon which means it's a better time than ever to begin to financially prepare for next year. What are some financial changes you need to make?
- [Why Wait? Start Your New Year’s Resolutions Now!](https://personalprofitability.com/why-wait-start-new-years-resolutions-now/) - The new year is almost upon us which means we'll be hearing about New Year's Resolutions soon. What do you want to grow in next year? Why not start now?
- [My $1000 Online Business Failure – The Reusable Bag Store](https://personalprofitability.com/online-business-failure/) - My friend and I bought a website, which turned out to be a big online business failure example. Learn what we did wrong, and how to avoid the same mistakes.
- [4 Simple Ways to Save Money on Christmas Shopping](https://personalprofitability.com/4-simple-ways-save-money-christmas-shopping/) - The holidays are right around the corner, which means the Christmas shopping season is upon us. With a little creativity you can save money and not be a Grinch.
- [How Much Should You Spend on Your Friend's Wedding Gift?](https://personalprofitability.com/spend-wedding-gift/) - How much should you spend on your friend's wedding gift? Find out what's appropriate and learn about the minimum and maximum amount you should spend.
- [Your Favorite Personal Finance Blogger is Engaged!](https://personalprofitability.com/your-favorite-personal-finance-blogger-is-engaged/) - Excuse this interruption from your usual financial updates. I have some big news to share!
- [How Side Hustle Income Has Changed My Life](https://personalprofitability.com/side-hustle-income-changed-my-life/) - Side hustle income has brought me more than $60,000 in income. Read here how side hustle income has changed my life, and may be able to change yours.
- [Hobby to Business: How to Grow Your Hobby into a Serious Income Source](https://personalprofitability.com/grow-hobby-business-income-source/) - If you want to turn your hobby into a business and grow your hobby into a serious Income source, use these four tips to build your business.
- [PPP007 I'm Jeffrey and I Quit my Job to Freelance, Then I Got a New Job](https://personalprofitability.com/episode7/) - Join online worker Jeffrey Trull to learn about moving from a full time job to freelancing and back in this episode of the Personal Profitability Podcast.
- [Balancing Work, Life, and Entrepreneurship](https://personalprofitability.com/balancing-work-life-and-entrepreneurship/) - An inside look on balancing work, life and entrepreneurship.
- [A Fun Way to Make a Little Extra Cash](https://personalprofitability.com/fun-way-to-make-little-extra-cash/) - When I have a little extra spare time, I like projects where I can make a few bucks. eBaytrage is a way to make money buying and selling products online.
- [Your Student Loans Are Killing You](https://personalprofitability.com/student-loans-killing-you/) - If you have student loans, they could be making you depressed. Learn ways that student loans are killing you and how to overcome it.
- [PPP011: I'm Eric and I Make $30,000 Per Year on the Side](https://personalprofitability.com/episode11/) - The tables are turned as regular host Eric is interviewed about blogging, freelancing, travel hacking, and his new secret project.
- [Should Student Loans Delay Buying a Home?](https://personalprofitability.com/student-loans-delay-buying-home/) - Should student loans delay buying a house? Many people would say no, but if a debt load is overwhelming, that debt should be paid before buying a home.
- [How LinkedIn Saved My Butt and Can Make Your Career Amazing](https://personalprofitability.com/linkedin-saved-butt-can-make-career-amazing/) - On a Friday afternoon in August, I received a message on LinkedIn that my qualifications made me a fit for a job. I started 32 days later.
- [Cash, Debit, or Credit - How Do You Pay for Big and Small Purchases?](https://personalprofitability.com/cash-debit-credit/) - How do you pay for big and small purchases? Cash, debit, or credit? Each have their own advantages. Read more about the pros and cons of each.
- [The Three Best Ways to Cut Your Expenses](https://personalprofitability.com/three-best-ways-cut-expenses/) - How can you possibly cut your expenses? You live on practically nothing as it is. I've done it myself and had huge success cutting my expenses.
- [Working at a Big Company vs. Working at a Small Company](https://personalprofitability.com/working-at-big-company-vs-working-at/) - Working at a big company has its perks, but there are some big drawbacks as well. Does a big company make better sense for you, or a small one?
- [How to Get Off the Grid](https://personalprofitability.com/get-off-the-grid/) - Have you ever thought that maybe you’d like to escape this fast-paced world that we live in today? Here is a plan to get off the grid completely.
- [How to Fill Out Your Tax Forms on Your First Day of Work](https://personalprofitability.com/fill-tax-forms-first-day-work/) - I remember every first day of work I’ve ever had. That feeling of nervous excitement. That great opportunity in front of me. And, oh yeah, tax forms.
- [Is Your Car Keeping You Broke?](https://personalprofitability.com/car-keeping-broke/) - Many times the cars that people choose to drive are just keeping them broke. Is your car keeping you broke?
- [PPP013: I Am a Professional Wrestler with Martin Dasko](https://personalprofitability.com/episode13/) - This week we welcome entrepreneur, hustler, and professional wrestler Martin Dakso. Martin started earning money at age 11, and has never slowed down.
- [3 Reasons You Don't Become Wealthy By Paying Retail](https://personalprofitability.com/3-reasons-you-dont-become-wealthy-by-paying-retail/) - Do you know anyone that is a millionaire? Don't look at their wrist for a gaudy watch or check their driveway for brand new cars and boats. There are plenty of people that show off some expensive products, but they don't actually own any of it. Truthfully, most of the people that look like they are millionaires are actually flat broke. All of their toys and homes are financed through the bank and they are in debt up to their eyeballs (or over their head).
- [Why is Gas so Expensive?](https://personalprofitability.com/gas-prices-expensive/) - Here in the USA, we love our gas. Each day, we consume enough gasoline to fill up over 550 Olympic-sized swimming pools. There is an average of one car for every two Americans. And boy do we like to drive. According to the US Department of Transportation, each American driver drives an average of 15,000 miles per year.
- [5 Backyard Budget Entertaining Ideas](https://personalprofitability.com/5-backyard-budget-entertaining-ideas/) - Having friends over is a ton of fun. Here are five budget entertaining ideas to have people over while the weather is nice without blowing your budget.
- [PPP009 I'm Kathleen and I Save Half My Income](https://personalprofitability.com/episode9/) - This week I am thrilled to bring on guest Kathleen Celmins. Kathleen is the owner of Frugal Portland, For Profit Blogging, and personal finance influencer.
- [PPP012: I'm Lee and I Flip Houses and Travel for Free](https://personalprofitability.com/episode12/) - This week we welcome Lee Huffman: banker, real estate investor, and travel hacker who shares hustling experiences and wisdom for big side income.
- [9 Top Luxury Purchases From JamesEdition - The Craigslist for Billionaires](https://personalprofitability.com/luxury-purchases-jamesedition-the-craigslist-for-billionaires/) - Billionaires make luxury purchases quite often, and many of us don't even realize the high cost of some of these items!
- [5 Things You Need to Know Before Saying Yes to Student Loans](https://personalprofitability.com/saying-yes-student-loans/) - Thinking about going to college and getting student loans? Here are 5 things you need to know before saying yes to student loans
- [Price Protection: My Experience with Chase Card Benefits](https://personalprofitability.com/price-protection/) - An item I purchased went on sale for half off two weeks after buying, and I wanted to get the difference back. Credit card price protection saved the day.
- [How I Save](https://personalprofitability.com/how-i-save-2/) - Between cooking at home, cutting cable, riding my bike, and fixing up my house on my own, here are examples of How I Save money every month.
- [How to Handle a Large Inheritance](https://personalprofitability.com/handle-large-inheritance-2/) - You might think that you'll never receive a large inheritance, but it's not as uncommon as you might think. Over 2/3 of people over 60 plan an inheritance.
- [Mint Bills Brings Bill Payment to Money Management Site](https://personalprofitability.com/mint-bills/) - This morning I woke to the introduction of Mint Bills. Mint Bills is a brand new feature of Mint bringing bill payment to the popular money management site.
- [10 Ways to Become the MacGyver of Earning More Money on the Side](https://personalprofitability.com/more-money-on-the-side/) - Have you ever thought about earning more money on the side? It is definitely possible! Earn more money on the side by starting your very own business.
- [PPP015: I'm Miranda Marquit and I'm a Full-Time Freelancer](https://personalprofitability.com/episode15/) - Today we welcome professional freelancer Miranda Marquit to tell us how she got started, how she grew her income, and how she makes over $100k per year.
- [PPP021: I'm Suzan Bond and I'm Self Employed and I Love It](https://personalprofitability.com/episode21/) - Today we welcome my friend Suzan Bond, a self-employed entrepreneur who has survived five layoffs and created multiple successful businesses.
- [PPP029: I'm Eric and I Quit My Job](https://personalprofitability.com/episode29/) - This week I have some huge news to share. I am going full-time online, and we are packing up camp here in Portland to move down to Southern California! Get the entire story of how I got here, why we're going, and what's next in this episode of the Personal Profitability Podcast. Resources Mentioned Ultimate
- [October 2017 Side Hustle Income Report and More](https://personalprofitability.com/october-2017-side-hustle-income-report-and-more/) - Get the gritty details on how I brought in over $11,000 online in October 2017, and get insights into what I'm doing to grow it next year for bigger profit!
- [September 2016 Earnings and Investments Update](https://personalprofitability.com/september-2016-earnings-and-investments-update/) - Welcome to my monthly entrepreneurial income report for August, 2016! When I founded this site in 2008, I had no idea it would lead to a full-time job.
- [February 2017 Online Income Report](https://personalprofitability.com/february-2017-income-report/) - Learn how I earned over $10,000 in February online as a freelancer and online entrepreneur. I now work from home and make more than ever before!
- [December 2017 Income Report and Annual Review](https://personalprofitability.com/december-2017-income-report-and-annual-review/) - Check out my detailed December 2017 income report and full year 2017 review. Considering I had a baby while my house almost burned down in December and my $120k+ annual revenue, I'm not too upset with barely missing my monthly goal in December 2017.
- [November 2017 Side Hustle Income Report and More](https://personalprofitability.com/november-2017-side-hustle-income-report-and-more/) - Find out how I made more than $10,000 online in November 2017, and why I'm not so optimistic about my December results in a crazy month with a fire and a new baby.
- [September 2017 Side Hustle Income Report and More](https://personalprofitability.com/september-2017-side-hustle-income-report-and-more/) - This month I brought in $12,331 online. Find out how I make five figures as an online freelancer in this month's income report, and more goodies too!
- [July 2017 Side Hustle Income Report and More](https://personalprofitability.com/july-2017-side-hustle-income-report-and-more/) - With another month in the books, I'm coasting through the summer and have managed to beat my $10,000 revenue goal yet again. Let's look at the details.
- [August 2017 Side Hustle Income Report and More](https://personalprofitability.com/august-2017-side-hustle-income-report-and-more/) - Another month, another great result. Learn exactly how much I earned online in August and how you can reach online five figure income in this post.
- [June 2017 Side Hustle Income Report and More](https://personalprofitability.com/june-2017-side-hustle-income-report-and-more/) - After missing income goal in May, June results came in with a vengeance. See how I earned over $12,000 in revenue as a freelancer in June 2017 in this post.
- [April 2017 Side Hustle Income Report and More](https://personalprofitability.com/april-2017-income-report/) - For the last seven months, I have earned $10,779 in online revenue. Get the details in this month's income report, where I share how I earn online.
- [May 2017 Side Hustle Income Report](https://personalprofitability.com/june-2017-side-hustle-income-report/) - The books are closed on May. Come find out if I reached my monthly goal of $10,000 in online income in May 2017. Plus learn exactly how I did it, or didn't.
- [March 2017 Income Report and More](https://personalprofitability.com/april-2017-income-report-and-more/) - Learn how I earned over $12,000 on my sixth consecutive month of $10,000+ revenue in this month's income report. Travel, home buying, and more this month!
- [November 2016 Earnings and Investments Update](https://personalprofitability.com/november-2016-earnings-and-investments-update/) - For the first time ever, I brought in five figures online in one month! Earning a living online is hard work, but over time it can pay off big.
- [December 2016 Earnings and Investments Update](https://personalprofitability.com/december-2016-earnings-and-investments-update/) - Last month I set a record for the second month in a row earning over $16,000 in one month! Learn how I doubled my income as a freelancer in this report.
- [January 2017 Side Hustle Income Report and More](https://personalprofitability.com/january-2017-side-hustle-income-report-2/) - Four months in a row over $10,000! I wouldn't have guessed this was possible just six months ago. See how I did it in this month's income report.
- [How to Find the Best Mortgage Loan in 3 Simple Steps](https://personalprofitability.com/find-the-best-mortgage-loan/) - Are you looking to buy a home? Make sure you are getting the best rate on your mortgage with these 3 simple steps.
- [PPP035: I'm Jason Vitug and I Went on a Financial Literacy Road Trip](https://personalprofitability.com/episode35/) - Jason Vitug is the founder of successful finance site Phroogal, travel the country on a financial literacy road trip, and just launched a new book!
- [PPP034: I'm Matt Giovanisci and I'm an Online Income Experimenter](https://personalprofitability.com/episode34/) - Matt never went to college, but he schools most of us when it comes to online income. Learn how he is working to replicate his success with coffee!
- [PPP027: I'm LaTisha Styles and I Quit My Job to Follow a Dream](https://personalprofitability.com/episode27/) - Longtime listeners know the welcoming voice of LaTisha Styles. This week, LaTisha Styles shares how quit her job and started a great new career in episode 27.
- [PPP025: I'm JD Roth and I Got Rich Slowly, Then Sold My Blog for Seven Figures](https://personalprofitability.com/episode25/) - For the 1st anniversary show, we welcome one of the "Godfathers of Personal Finance Blogging," Get Rich Slowly founder JD Roth!
- [PPP040: 5 Month Self-Employment Review](https://personalprofitability.com/episode40/) - At big corporations, most employees get a semi-annual review. But now that I work for myself, I can give myself a review whenever I want! Am I a success?
- [How to Start Your Own Business with Little Money](https://personalprofitability.com/start-your-own-business/) - On Friday night, I had the pleasure of joining Chris Guillebeau and other like minds on the Denver stop of the $100 Startup Book Tour. It was fun meeting people who only knew me as “@DenverEric,” and I enjoyed chatting about world travels and business adventures with a great group of people.
- [PPP022: We're The Switchback Kids and We're Going to Every National Park](https://personalprofitability.com/episode22/) - This week I welcome Cole and Elizabeth, the Switchback Kids, who are on the trip of a lifetime visiting all 59 United States National Parks in one year. Learn how they came up with the idea, and are paying for it, in this week's episode. Resources Mentioned Switchback Kids Blog National Park Service Full Transcript Eric
- [PPP054: I'm Josh Elledge and I Help Bloggers with PR](https://personalprofitability.com/episode54/) - Josh Elledge has founded two successful businesses, a personal finance website and a public relations service for bloggers. Learn how he does it all today!
- [PPP055: I'm Shannon McLay and I Run a Financial Gym](https://personalprofitability.com/episode55/) - Shannon McLay quit her Wall Street job to become her own boss, the owner of a financial gym. Learn her story in today's episode of the podcast.
- [PPP020: The 13th Month Income Challenge](https://personalprofitability.com/episode20/) - Today we discuss the 13th Month Income Challenge. What would you do with an extra month of income each year?
- [PPP016: I'm Jack Nadel and I Created a Multi-Million Dollar Empire](https://personalprofitability.com/episode16/) - In our interview, we discuss how Jack Nadel started his first business and took advantage of market opportunities to create a multi-million global empire.
- [PPP049: I'm Steve Stewart and I'm a Professional Podcast Editor](https://personalprofitability.com/episode49/) - He started out as a financial coach, but Steve Stewart took a risk and shifted his focus. He is now a full-time podcast editor making a great living.
- [PPP059: Welcome to the New Format & Speaking as a Business with Grant Baldwin](https://personalprofitability.com/episode59/) - Public speaking can be big business for solo entrepreneurs and side hustlers, but only if you follow the steps to get booked and paid to speak. Learn how!
- [How to Get Started Listening to Podcasts for Free](https://personalprofitability.com/listen-to-podcasts-for-free/) - Podcasts are for radio what Netflix is for TV and movies. You can listen to anything you want on demand, but for free! Learn how it all works here.
- [PPP046: I'm Jana Lynch and I Side Hustle for Fun](https://personalprofitability.com/episode46/) - Jana is an avid reader and blogger, and has had her share of online business adventures. Over time she found that she was into more than making money.
- [PPP047: I'm Paul and I Live on the Road With My Family](https://personalprofitability.com/episode47/) - Paul Kortman has come so far that he rarely works more than four hours per day and can work literally anywhere in the world with an internet connection.
- [PPP052: I'm Phillip "PT" Taylor and I Run FinCon](https://personalprofitability.com/episode52/) - Meet Phillip Taylor, the man behind the popular PT Money blog and FinCon, and how he left his accounting day job to follow his online passion.
- [Create Your Website in 5 Minutes!](https://personalprofitability.com/create-website-5-minutes/) - Hi there Profiteers! One of the number one tips I have for anyone looking to start any kind of business is to have your own business website. Your domain name and hosting are included in the same setup steps. My favorite hosting company is SiteGround, which offers a promo rate to get your website up and
- [PPP053: I'm Elle Martinez and I Help Couples Manage Their Money](https://personalprofitability.com/episode53/) - Elle quit her job to run her own online brand, a blog and podcast focused on helping couples manage their money. Learn how she did it in today's episode!
- [The Economics of Cutting the Cord](https://personalprofitability.com/the-economics-of-cutting-the-cord/) - I got rid of my cable in January, 2010. It was a liberating and awesome moment. Cutting the cord is one of the easiest ways to save on home expenses. But when I tell people, they ask, "what about sports, what about new TV shows?" I don't need sports or new shows, I'm happy with old shows. But if you are interested in keeping sports and new shows without cable at home, read on for a full breakdown.
- [PPP039: I'm Eric Nisall and I Do Accounting Like a Boss](https://personalprofitability.com/episode39/) - Eric has come a long way to running his own accounting business. Learn how he went from flipping burgers to crunching numbers in this week's episode.
- [PPP024: I'm Joe Udo and I Actually Retired by 40](https://personalprofitability.com/episode24/) - This week I am excited to introduce you to guest Joe Udo, a fellow Portland resident who followed his dream and left his full-time job before his 40th birthday. Learn how he did it in this week's episode. Resources Mentioned Retire by 40 Joe on Twitter Full Transcript Eric Rosenberg: Ladies and gentlemen, boys and girls,
- [Your Mattress is Not FDIC Insured – Four Reasons to Keep Your Money in the Bank](https://personalprofitability.com/reasons-keep-your-money-in-the-bank/) - On the heels of the election, many people are worried about the economy, their investments, and their money. I think we are, in fact, in a good place and on track for great growth in the United States and Canada. Europe may have a tougher time. Some people have been so scared that they took their money out of the bank. Let’s just be clear, you should never do that.
- [Why I Spent $30 To Shave and It was Worth Every Penny](https://personalprofitability.com/30-dollar-shave/) - For as long as I can remember, I have hated shaving. Seriously. I would do anything I could to avoid it. I didn’t want a beard, so shaving was an inevitable part of my life, so I am always searching for a way to make it suck less.
- [November 2012 Earnings and Net Worth Update](https://personalprofitability.com/november-2012-earnings-and-net-worth-update/) - This month was uneventful in my personal finances, but very good in my business finances. I had a week long out of town trip with my family, and it was nice to get away. I also booked a 100% free flight to visit my girlfriend's family for Thanksgiving using free miles. Here is how everything worked out in October.
- [Think Twice When Trusting Your Realtor](https://personalprofitability.com/think-twice-when-trusting-your-realtor/) - A year ago last month, I bought my condo. The biggest purchase of my life was one I could not have made on my own. I turned to trusted people to help me through the process. My parents provided guidance, having bought homes in the past. My mortgage banker, a work friend of my father, walked me through some of the steps in closing my first mortgage. Last, but certainly not least, my realtor, a family friend, helped me find my home and get the best price possible. Allegedly.
- [Preparing for the Unexpected: When Pooping Cost $340](https://personalprofitability.com/preparing-for-the-unexpected-when-pooping-cost-340/) - I always encourage readers of this site to save up an emergency fund that can cover your cost of living for at least 3-6 months and has enough of a cushion to handle anything unexpected that comes along if they can’t afford it. Following my own advice, I learned the hard way why it is important to save up for an unexpected disaster.
- [Understanding Your Home Insurance Policy](https://personalprofitability.com/understanding-your-home-insurance-policy/) - As many of you know, I bought my first condo just over a year ago. Going from renter to buyer, I learned a lot about insurance. When it is time for you to renew or evaluate your next policy, you should know the basics of what is covered and what is not.
- [How To Pay Yourself First](https://personalprofitability.com/how-to-pay-yourself-first/) - Personal finance folks often throw around the term “pay yourself first.” It is a bit big headed of us to assume you know how to do that. Here are some steps you can take to put the most popular finance advice to work.
- [5 Things You Should Never Spend Money On](https://personalprofitability.com/5-things-you-should-never-spend-money-on/) - The old adage is true: It pays to save. And as today's economy sputters, it's never been more important to cut costs everywhere. Beyond that, there are actually household necessities you can get without spending a dime - yes, free. If you pair these things with your overall coupon cutting and deal shopping, you'll go far toward maximizing your bottom line.
- [Reasons You Don't Need a Credit Repair Company](https://personalprofitability.com/reasons-you-dont-need-a-credit-repair-company/) - Credit repair companies advertise that they can turn your credit around quickly and with little work on your part. While some credit repair agencies are reputable, many falsely advertise and mislead consumers into thinking they can fix it all for a fee. Before you hire a credit repair company, here are some reasons you shouldn't and tips to take care of your credit on your own.
- [Cash Back or Frequent Flyer Miles Credit Card?](https://personalprofitability.com/cash-back-or-frequent-flyer-miles-credit-card/) - I've had a few conversation with friends lately about cash back credit cards and miles credit cards. I recorded my first ever video blog post to explain which one I think is better.
- [Save Money with Travel Packing Tips](https://personalprofitability.com/save-money-with-travel-packing-tips/) - You already have your luggage, 3 oz. bottles for toiletries and your identification handy before your trip but you’re not as organized as you’d like to be when flying. You may think you don’t have time but don’t get discouraged yet. Your packing methods may be to blame. If you ignore them, you may waste your precious time and money.
- [The True Cost of Something That is Free](https://personalprofitability.com/the-true-cost-of-something-that-is-free/) - Last week, I had the pleasure of crossing the Caribbean on a cruise ship. My experience on the Carnival Victory was fun, minus some sea sickness, but it opened my eyes to the excesses of our society and how much we do “just because it is free.”
- [Get Rid of Your File Cabinet with Manilla](https://personalprofitability.com/file-cabinet-manilla/) - I recently compared financial organization site Manilla with financial management and budgeting site Mint.com In my comparison of Mint and Manilla, I suggested that the services are complementary and both would be helpful. Since that time, I have put even more of my accounts on Manilla and have considered using it to dump my file cabinet once and for all.
- [Why You Need To Get a Credit Card](https://personalprofitability.com/why-you-need-to-get-credit-card/) - I know I once wrote a post explaining why you need to stop using credit cards. That is not entirely true. It is important to understand the risks and dangers of using credit cards irresponsibly, but it is also important to understand and take advantage of the benefits.
- [Planning the Costs of a Weekend Getaway](https://personalprofitability.com/planning-the-costs-of-a-weekend-getaway/) - This weekend, I am taking my girlfriend up to the mountains for a quick weekend getaway. I am excited to get out of the city for a couple of days and enjoy everything a fall trip to the Rockies has to offer. Before I made the reservations, however, I made sure to tally up the costs of a weekend away.
- [Four Reasons to Shred Those Credit Card Convenience Checks!](https://personalprofitability.com/four-reasons-to-shred-those-credit-card-convenience-checks/) - When I get a letter in the mail from my credit card company with convenience checks inside, I skip the cash advance and they go right to the shredder.
- [Get Free Awesome Stuff](https://personalprofitability.com/get-free-awesome-stuff/) - Lately I have had the pleasure of getting lots of free stuff. It is pretty cool. While some people might think giveaways are luck, but you can get a lot of free stuff if you know where to look and how to connect.
- [March 2013 Net Worth and Earnings Update](https://personalprofitability.com/march-2013-net-worth-and-earnings-update/) - For the first time in years, I totally forgot to update my net worth on the first of the month. I guess all of the changes in my life are a bit distracting. Here is my slightly belated March net worth update.
- [April 2013 Net Worth and Earnings Update](https://personalprofitability.com/april-2013-net-worth-and-earnings-update/) - I love bonus month! It feels nice to get an extra boost in my net worth and income each year, and March happens to be that month for me.
- [October Net Worth and Earnings Update](https://personalprofitability.com/october-net-worth-and-earnings-update/) - This month was pretty standard. I had one out of town trip, a mountain weekend getaway with my girlfriend, but no expensive flights. I made money, I saved money, and I increased my net worth by over 3%. Here is how it all came together.
- [December 2012 Net Worth and Earnings Update](https://personalprofitability.com/december-2012-net-worth-and-earnings-update/) - This month was uneventful in my personal finances, but very good in my business finances. I had a week long out of town trip with my family, and it was nice to get away. I also booked a 100% free flight to visit my girlfriend’s family for Thanksgiving using free miles. Here is how everything worked out in October.
- [January 2013 Net Worth and Earnings Update](https://personalprofitability.com/january-2013-net-worth-and-earnings-update/) - December was an exciting entrepreneurial month for me, but also an expensive one. I didn't go anywhere out of town, so I had plenty of time to work on my closet remodel and a new business project.
- [February 2013 Net Worth and Earnings Update](https://personalprofitability.com/february-2013-net-worth-and-earnings-update/) - A lot happened with my money over the last month. I closed a refinance on my mortgage, I used lots of airline miles, and I bought new individual stocks for the first time in about a year. Here's how the cookie crumbles.
- [College Student Loan Providers](https://personalprofitability.com/college-student-loan-providers/) - As fall begins, students around the country are heading back to school. Just this week, my sister had her first day in medical school. (Proud, gushing brother) My sister, and many millions of others, are taking on new student loans this year. When you get a new student loan, you can choose your provider, and it is important to do the research to find a good fit for your needs.
- [September 2012 Earnings and Net Worth Update](https://personalprofitability.com/september-2012-earnings-and-net-worth-update/) - This month, I started saving up for my liberty fund. Saving up $30,000 is not easy, but it is a goal that I know I can attain. Here is how my month broke down.
- [How Much About Money Do You Share with Your New Honey?](https://personalprofitability.com/how-much-about-money-to-you-share-with-your-new-honey/) - Today I am interested in how much you share about your finances, and what you expect to know, when in a new relationship.
- [Before Switching Companies, Learn About the Benefits](https://personalprofitability.com/before-switching-companies-learn-about-the-benefits/) - How many places have you worked? Did you have a clear understanding of the benefits before you accepted each job? If I had to wager a guess, I would say that many of you knew what your starting salary would be, you knew if there was a 401(k) match, and if you have a family, you most likely asked if there was health insurance provided, but that was the full extent of your knowledge.
- [Home Upgrades: Do It Yourself or Hire a Professional?](https://personalprofitability.com/home-upgrades-do-it-yourself-or-hire-a-professional/) - I recently picked out a few projects to improve my condo. I want to add tile near my front door, build in a wine rack, and do a few other small projects. I could probably do some of the smaller projects on my own, but I’m not sure how well they would turn out.
- [4 Ways to Save on Drinks at Your Next Party](https://personalprofitability.com/4-ways-to-save-on-drinks-at-your-next-party/) - I recently moved out of an apartment and into a condo. For a single guy like me, that means one thing: More parties at my place! My condo is the unofficial pregame and party headquarters for half a dozen of my closest friends. I love entertaining, and now that I don't have to worry about a landlord, it's easier than ever. But it's also costlier than ever.
- [Moving Past the Emergency Fund: The Liberty Fund](https://personalprofitability.com/past-the-emergency-fund/) - In the past, I have written about the importance of an emergency fund many times, and have even given you updates on my progress to save up cash just in case. I have decided that am emergency fund is not good enough for my current situation, and I am saving up for something new I am calling a “Liberty Fund.”
- [August 2012 Net Worth and Earnings Update](https://personalprofitability.com/august-2012-net-worth-and-earnings-update/) - This month, I spent more than usual but still had enough income to make up for it. My biggest expense, which was in my long term plan but not expected to be this month, was a new painting when I made my first investment in fine art. I also enjoyed a couple of great concerts and a trip to Minneapolis this month.
- [Managing Your Finances in a Zombie Apocalypse](https://personalprofitability.com/managing-your-finances-in-a-zombie-apocalypse/) - Zombies are everywhere these days. You can find them eating people on Florida highways and chowing down on their roommates at Maryland colleges. In case the zombie pandemic reaches your town, it is important to have your finances in order so you can respond appropriately.
- [I Got a Free Kindle And So Can You](https://personalprofitability.com/i-got-a-free-kindle-and-so-can-you/) - Today I am expecting a shiny new Kindle to come in the mail. I ordered it on Monday afternoon, and it cost me a whopping $17 for the ad free version. If I had wanted the version with ads, I could have gotten it for free. Here is how I did it, and you can too.
- [LastPass Credit Monitoring](https://personalprofitability.com/lastpass-credit-monitoring/) - I have written about LastPass a few times before. LastPass is a password protection tool that you can use to secure your online life. They recently added a new free credit monitor feature that you can use to make sure you know about any unwanted surprises on your credit report.
- [Mint Alternative: Manilla vs. Mint.com](https://personalprofitability.com/mint-alternative-mint-com-vs-manilla/) - You all know that I have been a fan of Mint.com for a long time. I have compared it to sites like Adaptu and PageOnce. Today, I am going to compare it to another competitor, Manilla. Enjoy the review of Mint’s new competitor Manilla.
- [Five Money Things to Think About When Moving](https://personalprofitability.com/five-money-things-to-think-about-when-moving/) - If you decide to pack up and leave town, there are a few easily overlooked budget busters that can send you to the debt house if you are not careful.
- [Investing in Fine Art](https://personalprofitability.com/investing-in-fine-art/) - On Saturday afternoon, I went to an art gallery and bought my first very high quality painting. I have graduated from the college days of posters to the grown up days of fine art. A lot went through my head before I handed over my credit card.
- [Steps to Become a Landlord](https://personalprofitability.com/steps-to-become-a-landlord/) - When I bought my condo, I had a roommate living with me paying rent. After an analysis, I found that I could rent out the entire condo for a big profit.
- [How to Spend More Than Your Friends without Being an Asshole](https://personalprofitability.com/spend-more-without-being-an-asshole/) - While some of my friends have more and make more money than me, I have found that I am often stuck in a spot where I have more money, or at least more to spend. I try to be frugal where it matters, but I look at money as a tool to live a better life, not a restraint.
- [Managing Your Cash Flow Like a Company](https://personalprofitability.com/managing-your-cash-flow-like-a-company/) - Did you know large companies never pay invoices right away? They don’t even care about the due date. They set a policy telling vendors when they will be paid. While you don’t have as much leverage as a Fortune 500 company, you can manage your cash like one.
- [Using Your Phone to Shop Smarter](https://personalprofitability.com/using-your-phone-to-shop-smarter/) - Last weekend, I went to a local computer specialty store to research a few items that I need to buy. I was surprised by how helpful my phone was in researching not only price, but other factors that went into my purchase decisions as well.
- [How FOREX Works](https://personalprofitability.com/how-forex-works/) - People make (or lose) millions of dollars on currency speculation each day. Here's what you need to know about FOREX and foreign exchange trading.
- [Dealing With Stress and a Busy Life](https://personalprofitability.com/dealing-with-stress/) - I am a busy guy. A really busy guy. People often ask me how I have time for it all. Lately that level of focus and drive has started to take a toll.
- [How to Curb Impulse Purchases](https://personalprofitability.com/how-to-curb-impulse-purchases/) - On Saturday afternoon, my friend called me and told me that she was about to spend $1,500 on an unplanned impulse purchase for something she didn’t need.
- [How to Travel America on a Budget](https://personalprofitability.com/how-to-travel-america-on-a-budget/) - The United States can be a daunting thing when you look at it on a map. It’s so big that you can fit the greater part of Europe inside it. Unfortunately for those familiar with traveling Europe, you’ll be disheartened to learn that the United States does not have a high-speed rail network. However, the
- [July 2012 Earnings and Net Worth Update](https://personalprofitability.com/july-2012-earnings-and-net-worth/) - I kept going strong with my new cash flow strategy this month. My Roth IRA balance is high enough that I need to start looking at investing there again. I also bumped up my mortgage payment to get me within $100 of being below the six figure mark.
- [June 2012 Earnings and Net Worth Update](https://personalprofitability.com/june-2012-earning-and-net-worth-update/) - This month, my new cash flow strategy was fully working for the first time. I saw more money going into my Roth IRA than ever before and bumped up my mortgage payment as well. Here is how the cookie crumbled for the month.
- [Do You Need a Smart Credit Card?](https://personalprofitability.com/do-you-need-a-smart-credit-card/) - When I was in London in November, I was able to use my travel rewards card almost everywhere. One benefit of my British Airways Visa is that I don’t have to pay any foreign exchange fees. However, there was one time I couldn’t use it.
- [Book Review: The Work Revolution](https://personalprofitability.com/book-review-the-work-revolution/) - I just finished reading Julie Clow’s new book ‘The Work Revolution.’ Like the title implies, it has a range of ideas that can revolutionize the way an organization treats its employees and how employees look at work.
- [The Power of Online Bill Pay](https://personalprofitability.com/the-power-of-online-bill-pay/) - I have used online bill pay for a long time, but I only used it for recurring monthly payments and to send payments that I would otherwise have to mail. I started playing around with my bank’s bill pay and found out just how powerful it is.
- [Mergers and Acquisitions: How Buyouts Work](https://personalprofitability.com/mergers-acquisitions-buyouts/) - Last year Warren Buffet explained his theory on acquiring a company with cash vs. stock. It is important for investors to understand the difference.
- [Berkshire Hathaway 2012 Shareholder Meeting](https://personalprofitability.com/berkshire-hathaway-2012/) - This year, I made my third trip to Omaha for the annual Berkshire Hathaway shareholder’s meeting. Warren Buffet are Charlie Munger took center stage and shared their wisdom on investing, business management, and the economy to a packed house that included billionaire Bill Gates and rock superstar Bono.
- [How to Rule 0% Financing](https://personalprofitability.com/zero-percent-financing/) - I recently wrote a post discussing whether it is best to get a new or used car. One astute commenter got me thinking about car loans, and zero percent financing in general. If you do it the right way, you can rule 0% financing to come out on top.
- [My Niche Site Experiment](https://personalprofitability.com/niche-site-experiment/) - One of my life list goals for 2012 is to start a niche site that makes money.
- [What Does My Credit Card Expiration Date Tell Me?](https://personalprofitability.com/credit-card-expiration-dates/) - A reader told me that she was not sure if she would re-apply when her credit card expired. There is a lot wrong with that common misconception.
- [April 2012 Net Worth and Earnings Update](https://personalprofitability.com/april-2012-net-worth-and-earnings-update/) - March was an exciting month in the world of my finances. It marked the conclusion of my journey to become student loan free. It included my bonus at work, which made the debt payment possible, and it ended with a 6.5% increase in my net worth.
- [How to Invest Like Gordon Gekko](https://personalprofitability.com/invest-like-gordon-gekko/) - Gordon Gekko ended up in jail and lost his family due to his massive greed in Wall Street, but there is something that can be learned from the stories.
- [Why I Hate People Who Give Bad Tips](https://personalprofitability.com/bad-tips/) - I recently read a post with an interesting theory on tipping. I like and respect the author of the post, Len Penzo, though I disagree with his opinion. However, when I read the comments I wanted to scream and start punching people. Here is what you really need to understand about tipping and the service industry.
- [Eight Cheap Date on a Budget Ideas That Don't Break The Bank](https://personalprofitability.com/eight-cheap-dates/) - Want to plan a date but don't have the cash? Here are ideas for a great date on a budget.
- [Sell Your Junk Easily With Amazon](https://personalprofitability.com/sell-your-junk-amazon/) - I am always intrigued by the idea of selling my old stuff on eBay or Craigslist to make a few extra bucks. However, I rarely put in the time or effort to make it happen. My occasional listing on Craigslist did nothing, so I put the idea on the backburner. However, a new option to sell your stuff has piqued my interest.
- [I Paid Off My Student Loans – Seriously – All of Them](https://personalprofitability.com/paid-off-student-loans/) - How I paid off a $90,000 private school MBA two years after graduating without sacrificing my happiness or making hundreds of thousands of dollars per year.
- [What Recession? The Economy is Awesome](https://personalprofitability.com/economy-recession/) - While some politicians are trying to sell you a story about how horrible the economy is, they are dead wrong. The economy is great. Here’s why.
- [March 2012 Net Worth and Earnings Update](https://personalprofitability.com/march-2012-net-worth-and-earnings-update/) - February was a month with a lot of income and relatively low expenses. I was able to focus my money where I wanted to give myself freedom to invest more and beat down my quickly shrinking student loans.
- [Secure Your Online Life](https://personalprofitability.com/secure-your-online-life/) - If you have an account with Zappos, the popular online shoe and clothing retailer, you were one of 24 million people exposed in last week’s hacker attack on the site. If you were a victim, it is important for you to take steps to protect yourself right away. If you were not, this should act as a reminder to stay vigilant and work to protect yourself against identity theft online.
- [Investing in the Cruise Industry](https://personalprofitability.com/cruise-industry/) - After the recent, highly publicized crash of the Costa Condordia, people around the world are looking hard at the cruise vacation industry. While everyone is focusing on the problems today, it might be a good place for you to invest for tomorrow.
- [January 2012 Net Worth and Earnings Update](https://personalprofitability.com/february-2012-net-worth-and-earnings-update/) - January was a fun month and one that helped me build a little on my net worth. I had the rare family-funded vacation and spent hardly anything for the first two weeks of the month. Since returning, I have had a couple of expensive evenings out, but in general this month was fairly typical.
- [What Kind of Bank is Right for Me?](https://personalprofitability.com/what-kind-of-bank-is-right-for-me/) - Some people swear by credit union, but others love big banks. Let’s take a few minutes to recap and help you decide what kind of bank is right for you.
- [In Defense of Big Banks](https://personalprofitability.com/in-defense-of-big-banks/) - I just wrote a post about some of the benefits of credit unions, but there are benefits of using a big box bank as well. Here are some reasons to consider keeping accounts with the big guys.
- [Start the New Year with Solid Financial Footing](https://personalprofitability.com/new-year-financial-footing/) - My tax preparation process for 2011 has begun, but it is not too early to start tracking for 2012. Whether you need to better track your transactions, budget, or balances, the new year is a great time to get on top of your money.
- [Never Buy Checks From the Bank](https://personalprofitability.com/never-buy-checks-from-the-bank/) - If you still use checks, buying new blanks is a necessary evil. Unless your bank gives you free checks, you have to spend money to be able to spend money. That seems like an archaic concept to me, who pays everything through credit cards and online bill pay. If you still do use checks, though, make sure you spend as little as possible to buy them.
- [How to Choose a Credit Union](https://personalprofitability.com/how-to-choose-a-credit-union/) - As more Americans have become frustrated with their large, corporate banks, many have been moving their business to credit unions. Credit unions offer some amazing benefits and could be a great resource for many people.
- [Credit Karma Free Daily Credit Monitoring](https://personalprofitability.com/credit-karma-free-daily-credit-monitoring/) - I’ve written about getting your credit score for free in the past, but Credit Karma does a lot more than that now. Along with their credit estimator and credit report card, the growing site just added free daily credit monitoring.
- [Investing in Precious Metals](https://personalprofitability.com/investing-in-precious-metals/) - Someone recently asked me how to get started investing in gold. Like silver, platinum, and other precious metals, investing in gold can be very lucrative if done correctly.
- [Why You Should Not Keep Everything at One Bank](https://personalprofitability.com/multiple-banks/) - I know I just told you why it is such a good idea to keep every account at one bank. It is convenient and can save you money. However, it might not really be that great of an idea.
- [What Is the Best Time of the Year to Sell Stocks](https://personalprofitability.com/selling-stocks/) - Tax season is coming up quick, and I was recently asked about the importance of timing when selling stocks and other investments.
- [Do You Have to Buy a Home in Your 20s?](https://personalprofitability.com/buy-a-home-in-your-20s/) - We often assumed that buying a home is the logical thing to do in our 20s. You know the process: finish college, find a job, start a family, and buy a home. Is this really still the case?
- [Social Lending Options](https://personalprofitability.com/social-lending-options/) - P2P lending is making big changes in the world of lending and banking. Peer to peer lending, for those who don’t know, is a lending situation that removes the bank. It is people lending to people. I am a huge proponent of P2P lending as an investment option to help diversify your portfolio.
- [How to Take Payments](https://personalprofitability.com/how-to-take-payments/) - If you are a small business owner or freelancer, you have undoubtedly been faced with deciding how to accept payments. While the term “cash is king” applies in certain situations, in the electronic age you have to be ready to take credit card too.
- [Why You Should Keep Everything at One Bank](https://personalprofitability.com/one-bank/) - I have tried many different combinations of accounts in my life. At one point, my credit card, brokerage, checking, and savings were all at different places. At one point, everything was in one place. I found some big benefits to keeping everything in one place.
- [Student Loan #1 – Paid off! #Winning](https://personalprofitability.com/student-loan-1-paid-off-winning/) - Yes, I included a Charlie Sheen Twitter reference in the post title. But when you are a personal finance #warlock with #tigersblood, it is only appropriate.
- [Simplee Automates Your Insurance](https://personalprofitability.com/simplee/) - It is no secret that I am a huge fan of automation and aggregation. The fewer places you have to look for your financial information, the less time you will use and the less likely you are to mess up. Simplee simplifies and automates your insurance just like Mint or Adaptu does with your finances.
- [What Happens If You Declare Bankruptcy](https://personalprofitability.com/bankruptcy/) - I just saw a commercial advocating bankruptcy as a good option if you are in trouble with your debts. That is misleading and far from the truth.
- [Cash or Coin: 5.5 Billion Reasons to Ditch the Dollar Bill](https://personalprofitability.com/cash-or-coin-5-5-billion-reasons-to-ditch-the-dollar-bill/) - When most people in the United States think of a dollar, they think of the famous one dollar bill. However, the dollar bill is threatened with extinction.
- [Don’t Be House Poor](https://personalprofitability.com/dont-be-house-poor/) - A little while back, I was fully engulfed in the rent or buy debate. I had decided on the rent route for a handful of reasons. I explored the neighborhood and I am back to looking at buying with a realtor. I am not sure where I will end up, but I have to look to make an educated decision.
- [Anchoring and other Marketing Techniques Designed to Take Your Money](https://personalprofitability.com/marketing-techniques/) - Have you ever wondered why Target puts “low price” markers on items that are not for sale? How about the signs that tell you how much you are “saving” when you spend money on a product?
- [Portfolio Update and Analysis](https://personalprofitability.com/portfolio-update/) - It has been a while since I shared my portfolio progress with all of you, and today seems like as good a day as any.
- [Free, Legal Music Options Galore](https://personalprofitability.com/free-legal-music/) - I am proudly part of the “Napster Generation.” I remember they day in high school when I found a cool site that let you download other people’s songs for free. With my 28k modem, each song took about 45 minutes to download. How things have changed.
- [Reasons I Am Looking to Buy](https://personalprofitability.com/looking-to-buy/) - The lease is up on my apartment in April, and I have spent time over the last couple of months looking at buying a home.
- [BRK2011: Berkshire Hathaway Dividend Policy](https://personalprofitability.com/berkshire-hathaway-dividend-policy/) - This year, I made my second annual pilgrimage to Omaha to see Warren Buffet and Charlie Munger discuss the future of Berkshire Hathaway. This week is Berkshire Hathaway Week at Narrow Bridge Finance.
- [BRK2011: Berkshire Hathaway 2011 Annual Meeting Recap](https://personalprofitability.com/berkshire-hathaway-2011-shreholder-meeting/) - The weekend of April 30, 2011 was an exciting one! I spent the weekend in Omaha, Nebraska at the Berkshire Hathaway Annual Shareholder meeting with Warren Buffett himself! Here are some of my favorite and biggest takeaways from the event. This year, I made my second annual pilgrimage to Omaha to see Warren Buffet and
- [Watch Your Bills](https://personalprofitability.com/watch-your-bills/) - I recently found issues on my two monthly utility bills that required calls into the customer service centers for both companies. Had I not kept a close eye on my bills, I could have lost a lot of money.
- [Blogging Lessons from Cityville](https://personalprofitability.com/blogging-cityville/) - I occasionally see something outside of the blogging world that relates to what we do here in the “blogosphere,” and this one is both amusing and relevant.
- [Hard Copy or Paper Financial Statements – Benefits and Risks](https://personalprofitability.com/hard-copy-or-paper-financial-statements-benefits-and-risks/) - While paperless statements are good for the banks, are they good for consumers?
- [The National Debt and Taxes - A Solution](https://personalprofitability.com/national-debt-and-taxes/) - I like to think of the government as a giant, non-profit business. Every single American is a customer. As customers, the government’s job is to keep us happy. As a business it is responsible for keeping itself “profitable” and viable for the future.
- [Important Interest Rates That Impact You](https://personalprofitability.com/important-interest-rates-that-impact-you/) - Interest rates are one of the most important financial concepts, and understanding where they come from is important to your financial future.
- [I Cut the Cord – No More Cable](https://personalprofitability.com/no-more-cable/) - Over the last few months, I kept debating on getting rid of cable. I rarely watched it. I spent a ton of money on it. What was the real reason?
- [Five Frugal Tips That Go Too Far](https://personalprofitability.com/frugal-tips-that-go-too-far/) - I am all about saving money. I like to focus on the big wins like cancelling monthly recurring expenses (like cable) or paying a student loan off 8 years early to save thousands of dollars in interest. I usually don’t care about saving seven cents on soap by not showering. Here are some other crazy frugal tips that I would never, ever do.
- [Understanding “Need” vs “Want”](https://personalprofitability.com/need-vs-want/) - Have you ever heard someone say how much they “need” something that is a complete waste of money? They need their gym membership, they need their SUV, they need their daily latte. We all know that it is a want, but it is an important psychological issue to understand.
- [Debt Addiction](https://personalprofitability.com/debt-addiction/) - Debt addition is a real thing. Unlike drugs, it is not a chemical dependency. It is more like a food addiction, it is a mental state where you cannot conceive living another way. It is a very real and very serious issue around the world, but particularly in North America.
- [Take a Loan on your 401(k)?](https://personalprofitability.com/take-a-loan-on-your-401k/) - I was wondering what your take is on borrowing from a 401K to pay off credit cards. Everything I've read says not to but 1) I have an interest rate on one card that is 27%; 2) I'd be paying myself back an annual rate higher than anything I'm getting now. So why not?
- [When I Feel Frustrated – How to Deal](https://personalprofitability.com/when-i-feel-frustrated/) - Like all of you, I sometimes feel frustrated with my financial progress.
- [How Bank Failures Impact Consumers](https://personalprofitability.com/how-bank-failures-impact-consumers/) - The Wall Street Journal reported today that Friday’s string of bank failures brings the total number of failures since September 25, 2008 to 279. The FDIC lists 829 banks as “problem banks,” indicating that bank failures are far from over.
- [College Fees You Didn't Think About](https://personalprofitability.com/college-fees-you-didnt-think-about/) - If you are about to head to college or have a future student in the house, it is a good idea to understand all of the extra fees you might be getting yourself into.
- [Reader Question: Big Student Loans](https://personalprofitability.com/reader-question-big-student-loans/) - One reader sent me an e-mail about his student loans.
- [Online Only Banking](https://personalprofitability.com/online-only-banking/) - I paused for a moment and realized that I no longer have a bank branch to visit in Denver. What was I going to lose out on by giving up a brick and mortar bank? All I have left is Schwab Bank and ING Direct. Both are online only.
- [My New Diet and Exercise Routine](https://personalprofitability.com/my-new-diet-and-exercise-routine/) - Since my recent break up, I have been trying to improve my life by being more active, social, and eating better. In the last three months, I have lowered my cholesterol 50 points and I have toned my muscles a little. I owe most of the plan to Tim Ferris, but I have tailored my exercise and eating routine myself. It has also saved me a lot on my food spending.
- [New Stock Purchase: PM](https://personalprofitability.com/new-stock-purchase-pm/) - This afternoon, about two minutes before the closing bell, I bought 11 shares of PM for $46.48. You may recognize PM as Phillip Morris International.
- [The Business Arsenal: inDinero](https://personalprofitability.com/the-business-arsenal-indinero/) - I recently found a new web tool that gives the personal finance arsenal tools a small business twist. I often write about sites like Mint and Thrive, but those are both focused on individuals. For business owners, you might be interested in start-up inDinero.
- [Make a Bills Calendar to See What Owns You](https://personalprofitability.com/make-a-bills-calendar-to-see-what-owns-you/) - In Fight Club, Tyler Durden famously said that “the things you own end up owning you.” I have written about how hard you have to work for your possessions once before, but I decided to take it a step further and find out how much time I have to work every month to pay bills.
- [How to Change Banks](https://personalprofitability.com/how-to-change-banks/) - I have recently read a study that demonstrates that the average person is willing to put up with bad fees, horrible customer service, and a bad experience at their bank because it is simply too inconvenient to move. I am apparently an anomaly, as I am in the process right now and I don’t think it is all that bad.
- [The Most Dangerous Weapon: Compound Interest](https://personalprofitability.com/the-most-dangerous-weapon-compound-interest/) - I once had a professor give my class a speech about using our financial knowledge for good. If you have read every post on this blog, you are in the top few million (probably higher) most financially educated people in the country. You can use that power to better your life, but it can also be used to hurt people.
- [34 Things You Probably Don't Know About Me](https://personalprofitability.com/34-things-you-probably-dont-know-about-me/) - I often talk to you all about my travels, adventures, and bank accounts. I often keep most of the rest of the “personal” out of this personal finance site. I thought I would share some little known facts about Eric so you know more about the guy behind the keyboard.
- [Portfolio Update: Stock Performance After a Horrible Month](https://personalprofitability.com/portfolio-update-stock-performance-after-a-horrible-month/) - This analysis is my own opionion based on my own research. My investment strategy is to buy and hold, not trade regularly.
- [Preparing for a Layoff](https://personalprofitability.com/preparing-for-a-layoff/) - In the recent past, my company announced that it is being sold. It is a large public company, so it made pretty big news in the industry and locally, as it is the biggest private employer in the state.
- [How IPOs Work: Tesla Motors Case Study](https://personalprofitability.com/how-ipos-work/) - An IPO, or initial public offering, is the event that brings a public company into the stock market. When an IPO takes place, investors are able to buy the company’s stock on a major index. There are many reasons for a company to start an IPO, or avoid an IPO, and the mechanics of the process are fairly complex.
- [Never Trade with Regrets](https://personalprofitability.com/trade-with-regrets/) - Investing psychology is a fascinating topic. In a portfolio management class in the past, we learned that psychology is one of the biggest reasons for increased investment losses.
- [Apartment Hunting](https://personalprofitability.com/apartment-hunting/) - Yesterday I completed a multi-week process of searching for and picking a new place to live.
- [The Economics of Moving](https://personalprofitability.com/the-economics-of-moving/) - Last week, I wrote about my recent apartment hunting. Now that I have a new place picked out, I have to move. I arranged an overlap of one week so I have time to move everything in my busy schedule of working during the day and going to classes at night.
- [Overdraft Fees To Become Opt-In](https://personalprofitability.com/overdraft-fees-to-become-opt-in/) - Ovrdraft Fees To Become Opt-InThanks to the good old boys at the Fed, banks are no longer going to be able to just pay out your checks and ATM withdrawals that take you below zero and charge you $40 for it. Banks make billions from overdraft fees every year. Like I have said in the
- [Single Guy Cooking](https://personalprofitability.com/single-guy-cooking/) - I have made an amazing discovery. I am a pretty good cook (I am also humble). It is also much cheaper, and often better, than going to a restaurant.
- [Budgeting to Save Money is Like Excercise to Lose Weight](https://personalprofitability.com/budgeting-to-save-money-is-like-excercise-to-lose-weight/) - Cutting your rent, insurance, and cable/Internet bills can save big over the course of a year. Even more important, though, is income.
- [I Paid Off My Car!](https://personalprofitability.com/i-paid-off-my-car/) - Long before I had this blog, I had a car loan. My old car, a hand-me-down 1990 Volvo Station-wagon with about 200,000 miles, decided to stop working while driving west on Belleview Avenue one summer morning.
- [How I Make Money Online: Successes and Failures (Part 1)](https://personalprofitability.com/how-i-make-money-online-successes-and-failures-part-1/) - I have tried my best at finding opportunities to make money online. After a handful of methods, some have worked out while others have not quite paid off.
- [The Yakezie Challenge](https://personalprofitability.com/the-yakezie-challenge/) - I decided to join the "wolf pack" of the Yakezie Challenge. I was inspired while avoiding studying for finals. Well Heeled wrote a fun post on the challenge (see "wolf pack" link above.
- [How Corporate Bonds Work](https://personalprofitability.com/how-corporate-bonds-work/) - I have written posts about what a share of stock represents and how stock trades work, but I have never given a breakdown on how corporate bonds work.
- [Book Review: The 4 Hour Workweek](https://personalprofitability.com/book-review-the-4-hour-workweek/) - I just finished reading The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Richby Tim Ferriss. The book was fun and easy to read.
- [Your Credit May Not Match Your Credit Report](https://personalprofitability.com/your-credit-may-not-match-your-credit/) - A recent article at The Consumerist reminded me on an interesting moment I had. When I went to the bank to get my car loan, I was told I had a $1300 balance on one of my credit cards. I paid that balance about a month before. So why did it still say that I owed
- [Fun Weekend Project: Make Beer](https://personalprofitability.com/fun-weekend-project-make-beer_15/) - I am a beer fan. What can I say? It is a weakness. I think it tastes good and it is fun to drink. Beer can get expensive. A cost effective, fun way to drink beer is to cook it up yourself. I made a batch with a couple of friends last week for $20
- [Review of "I Will Teach You To Be Rich"](https://personalprofitability.com/review-of-i-will-teach-you-to-be-rich/) - Ramit genuinely cares about helping his readers be as lazy and financially stable as possible. If you think that is an oxy moron, you should probably read the book.
- [Can I Buy a House with Bad Credit?](https://personalprofitability.com/can-i-buy-a-house-with-bad-credit/) - Now is a great time to buy. Housing prices have fallen in many parts of the country. Interest rates are at record lows. Can you buy a house with bad credit?
- [Apartments for Low Credit Renters](https://personalprofitability.com/apartments-for-low-credit-renters/) - As real estate markets have been heating up around the country, we have seen some wild trends in both buying and renting markets. Some cities seeing incredibly low vacancy rates and competition among potential renters, and credit risk is becoming a more important part of deciding whether or not you can rent your dream apartment or house.
- [My First Trade and What You Need to Know About Buying and Selling](https://personalprofitability.com/my-first-trade-and-what-you-need-to/) - I started my brokerage account, and now I am trying to figure out what to do with my first $500 in the market. (I have already been investing in company stock and a fund in my 401k. For more see my intro to investing.) I entered my first trade Friday morning, and it was exciting,
- [Planning My First Credit Card Churn](https://personalprofitability.com/planning-my-first-credit-card-churn/) - If you regularly read travel hacking blogs, you have probably heard the term “churn” used quite a bit. For the uninitiated, a churn is a strategy used to sign up for new credit cards to maximize signup and bonus offers to rack up a huge number of frequent flyer miles and travel points quickly.
- [Starting a Budget](https://personalprofitability.com/starting-budget/) - You do not need a budget to get by unless you are a compulsive spender. That said, I like to have a budget. You do not need a budget because you are already investing automatically. As long as you don't touch that, you are fine for the future. Living paycheck to paycheck means that you
- [eBaytrage Revisited](https://personalprofitability.com/ebaytrage-revisited/) - A few months back I wrote a post on what I like to call Ebaytrage. I just had a fun eBaytrage experience over the weekend that I thought I would share with you.
- [A Present That I Used to Save Me Money](https://personalprofitability.com/a-present-that-i-used-to-save-me-money/) - For Chanukah, I asked for and received a Roku. Roku is like a cable box for the internet. My box brings in unlimited Netflix streaming videos (20,000 available) and music from Pandora. It can be setup to do much more.
- [The Great Cable Debate](https://personalprofitability.com/the-great-cable-debate/) - These days, a lot of people in their twenties discuss "cutting the cord."
- [PPP036: I'm Adam Piplica and I'm a UK Diploma-Qualified Paraplanner](https://personalprofitability.com/episode36/) - British blogger Adam Piplica left his analyst job to pursue blogging full-time, but then decided to go back into the working world as a financial planner.
- [PPP031: It's Time to Get to Work to Earn Your First Dollar on the Side](https://personalprofitability.com/episode31/) - You may have noticed today's episode is shorter than usual. Listen or read on to see why, and what you should do when you are done listening this week on the Personal Profitability Podcast. Full Transcript Eric Rosenberg: Ladies and gentlemen, boys and girls, children of all ages. Welcome back to the Personal Profitability Podcast.
- [PPP028: I'm Jacob Wade and I Blew $100,000 and Learned My Lesson](https://personalprofitability.com/episode28/) - Jacob Wade came into $100,000 at a young age thanks to a series of unfortunate events. The next unfortunate event was how he blew through that money without any budget or long-term plan. Hear how he did it and what he learned about budgets in this episode of the Personal Profitability Podcast. Resources Mentioned I
- [How to Fix a Leaky Shower Head](https://personalprofitability.com/how-to-fix-a-leaky-shower-head/) - When my shower head started to leak, I had to decide whether to hire a plumber or do-it-myself. Here is a video showing how to do the repair yourself.
- [What is a REIT? Should I Invest in a Real Estate Investment Trust?](https://personalprofitability.com/what-is-a-reit-should-i-invest-in-a-real-estate-investment-trust/) - A REIT, or Real Estate Investment Trust, is a popular way for investors to get into the real estate market without buying an investment property outright.
- [Automate Your Savings with Digit](https://personalprofitability.com/automate-your-savings-with-digit/) - Digit is an automated savings tool that makes stashing money away simple and painless.
- [Ask Eric - And Free Book Giveaway!](https://personalprofitability.com/ask-eric/) - With the new podcast, I am opening up a new way for you to ask me your biggest and best personal finance questions.
- [January Financial Housekeeping](https://personalprofitability.com/january-financial-housekeeping/) - Now that the holidays and resolution season are behind us, it is a great time to take a few minutes to automate and cleanup your personal finances. Here are four quick ideas to save you time and money in 2014.
- [Create Your Own Automatic Plan](https://personalprofitability.com/create-your-own-automatic-plan/) - An automated savings plan, automated investments, and automatic bill payments save you time, money, and headache when dealing with your personal finances.
- [Pay Online or Pay by Check](https://personalprofitability.com/pay-online-or-pay-by-check/) - Every month most households have some kind of recurring bill. For me, those are mortgage, HOA dues, phone/internet, and credit cards. Add rent, power, water, TV, and insurance and you have a standard list of monthly bills in this country. Some people's are more, some are less. How you pay them, however, is usually up to you.
- [Should I Pay Off My Low Interest Mortgage Loan?](https://personalprofitability.com/should-i-pay-off-my-low-interest-mortgage-loan/) - I recently refinanced my loan from 4.25% to 2.875%. With such a low interest rate should try to pay off the loan early or invest my extra funds?
- [Is AAA Worth the Cost?](https://personalprofitability.com/is-aaa-worth-the-cost/) - A few months back, I got a letter in the mail from AAA reminding me that it is time to renew my membership. I have been a AAA member since 2007. My car broke down and I needed a tow. I signed up and got a tow in the same call. When it was time to renew, I had to think hard about whether or not it was worth the annual $57 cost.
- [How to Save Money Without Giving Up Your Social Life](https://personalprofitability.com/how-to-save-money-without-giving-up-your-social-life/) - There are plenty of things that will end your social life. Bad breath, body odor and hitting the clubs in a Storm Trooper uniform come to mind. Saving money and watching your budget should not be on the list. This is a post for all those that have drained their bank account hanging out with friends or those that have taken down their Facebook page to save a dime.
- [Saving Time and Money on Quality Wine](https://personalprofitability.com/saving-time-and-money-on-quality-wine/) - I love good wine. At the end of a long day, nothing goes better with dinner than a great Chianti or Bordeaux. But, as I found my taste in wine evolving, so did the cost. I am always looking to learn about good wines, trying new ones, and saving money. Last week, I found a new way to do all three that I am trying out.
- [What To Do If You Lose Your ATM Card](https://personalprofitability.com/what-to-do-if-you-lose-your-atm-card/) - I did something embarrassing on Friday. I went to the ATM at the airport and when I went to grab it later that night, I realized it was gone. I am not sure where I lost it, but I did know what to do to make sure everything was okay.
- [May 2012 Net Worth and Earnings Update](https://personalprofitability.com/may-2012-net-worth-and-earnings-update/) - April was a transition month for me. Now that my student loans are paid, I am transitioning the money into new savings and investments.
- [How to Impulse Spend the Right Way](https://personalprofitability.com/how-to-impulse-spend-the-right-way/) - I can admit that I have been guilty of the occasional impulse buy. Impulse spending can add up fast, and usually leads to clutter that you don’t want, so it is important to know how to do it the right way.
- [Plan a Romantic Weekend Away on a Budget](https://personalprofitability.com/romantic-weekend-budget/) - I recently wrote about great low cost date ideas, but sometimes it is nice to get away. I am a sucker for a trip to the mountains, and it is always best to have someone to share it with.
- [How to Build a Social Lending Snowball](https://personalprofitability.com/social-lending-snowball/) - I have written about using the debt snowball to cut your debt and I have written about using social lending to make money like a bank. Today we are going to combine the snowball idea with social lending to show you how I have been making money and reinvesting to make money.
- [Should I Buy a New Or Used Car?](https://personalprofitability.com/new-or-used-car/) - A few weeks back I was talking to my Dad about paying off my student loans. He suggested that when I am paid off I should use the money I was putting into my loans to save up for a new car. It got me thinking about whether a new car or a used car is a better option.
- [Easiest Way to Save Money on Your Wedding](https://personalprofitability.com/save-on-your-wedding/) - If you are thinking about getting married soon, chances are that you are trying to save money on your wedding. Weddings can be an expensive event to host, especially if you are getting married at a young age.
- [Are You Barney or Ted?](https://personalprofitability.com/barney-or-ted/) - I recently ended a short lived relationship. It got me thinking introspectively on how I approach dating and life challenges in general. I always thought of myself like Barney in “How I Met Your Mother.” After my recent experiences, I have realized I might fit a different mold completely.
- [Yakezie Blog Swap: Getting Value From Spending](https://personalprofitability.com/value-from-spending/) - Lots of spending is value driven. For the most part, if you didnt value that 4th beer on a friday night or that cup of joe before work on Tuesday, you wouldn't spend money buying it.
- [Why New Year’s Resolutions are a Waste of Time](https://personalprofitability.com/resolutions/) - Every year in December, people start talking about New Year’s resolutions. The most common among people I know is to get in shape or fix their finances. The problem is, New Year’s resolutions do not work and are a waste of time.
- [2011 Net Worth Update](https://personalprofitability.com/2011-net-worth-update/) - Well folks, I was out of town for my usually monthly net worth update, but I decided to do a little more digging for my last update of the year.
- [The Danger of SOPA and PIPA](https://personalprofitability.com/sopa-and-pipa/) - Today major sites around the web are shutting down to support efforts to kill the SOPA and PIPA bills in the US Senate and House. The Stop Online Piracy Act (SOPA) and Protect Intellectual Property Act (PIPA) might sound good on the surface, but they threaten content producers and bloggers around the web.
- [The Five Minute Retirement Plan](https://personalprofitability.com/five-minute-retirement-plan/) - A new finance tool, the Five Minute Retirement Plan, does what the name implies. In only a couple of minutes, the site will create a customized retirement plan based on your age, current assets, and ability to invest in the future.
- [American Express Starwood Rewards - My New Credit Card](https://personalprofitability.com/starwood-amex/) - Last week, I got a new credit card. I know that all of the anti-credit card bloggers would have a vein popping out of their forehead for this one, but it makes sense for me. It might also make sense for you.
- [Paying for Stuff Abroad](https://personalprofitability.com/paying-abroad/) - I am nearing a vacation that is going to take me to cities with two foreign currencies. While my international travels to the Caribbean and Latin America allowed me to use my US dollars, I am not planning on the same luxury in England and the Eurozone.
- [Does Money Make You Happy?](https://personalprofitability.com/money-happiness/) - There is a famous saying that money does not buy happiness. I have heard it dozens of times. But is it true?
- [Occupying America](https://personalprofitability.com/occupying-america/) - While they are not in all the headlines anymore, the Occupy movement is still going strong around the country. From Occupy Wall Street in New York to Occupy Denver in my neighborhood, the movement has gained media attention and thousands of supporters, but what are they really doing and what are they all about?
- [The Meteoric Rise and Fall of Netflix](https://personalprofitability.com/the-meteoric-rise-and-fall-of-netflix/) - In 1997, Reed Hastings and Marc Randolph created a company called Netflix. Hastings was angry about a late fee charged when he turned in the movie Apollo 13 after the due date. His business was like a traditional video store at the time, but evolved into one of the most recognized brands in North America.
- [Don't Buy Cheap](https://personalprofitability.com/buycheap/) - Eric and I are 'swapping' blogs today. When shopping, there are things where it's OK to buy the cheapest alternative out there and not get burned, then there are things where you don't want to buy the cheapest version.
- [My Third Blogversary at Narrow Bridge Finance](https://personalprofitability.com/my-third-blogversary-at-narrow-bridge-finance/) - Three years ago today, I started on a journey I called Narrow Bridge Adventures. In my first post, I outlined my reasons for starting my second blog.
- [Small Business Accounting Options](https://personalprofitability.com/small-business-accounting-options/) - Over the last couple of years, I have been very entrepreneurial. I have started three small businesses and the IRS requires that I track the income and expenses for tax reasons. While this may sound daunting, it is actually not difficult if you know where to start.
- [TripIt Makes Travel Planning Easy](https://personalprofitability.com/tripit-makes-travel-planning-easy/) - I travel a lot. If you are anything like me, you like having your travel documents, plans, and information all in one place. I used to print out a stack of papers for each hotel, flight, rental car, and other reservation during a trip. Thanks to TripIt, that is now a dead practice.
- [Monsters](https://personalprofitability.com/monsters/) - This may not be the most original motivation, but I am financially motivated by my family. Before I had kids, I didn't care much about money or stuff.
- [Daily Money Saving Tip](https://personalprofitability.com/money-saving/) - I am on an unpaid leave of absence due to the birth of my daughter last spring. I was given a very generous leave of absence. I am using this as a trial run to see if we can live without my salary so that I may stay home when my kids are little.
- [Accounting for Stock Sales: New Rules to Confuse](https://personalprofitability.com/accounting-for-stock-sales/) - The IRS has made changes to the rules for capital gains tax on investment sales. While LIFO and FIFO are confusing on the surface, they are simple concepts.
- [Narrow Bridge Finance: The 500th Post Spectacular!](https://personalprofitability.com/500th-post/) - It is hard to believe that my little experiment in sharing my financial knowledge with the world has evolved so much over the last two years.
- [The Perks and Drawbacks of Autopay](https://personalprofitability.com/the-perks-and-drawbacks-of-autopay/) - Chances are, you have a bunch of bills to pay each month. I pay my credit card, power bill, phone/internet bill, two student loans, water/trash bill, and my rent each month. All but one of those offers “Autopay,” a direct withdrawal from my bank account each month to automatically pay my bill. Is that a good deal?
- [What is an ADR?](https://personalprofitability.com/what-is-an-adr/) - If you want to buy stock in a foreign company, one of the most useful tools you have is an ADR. An ADR is an American Depository Receipt. If you have ever bought shares of a foreign company through your brokerage, you most likely purchased an ADR.
- [What is an ETF?](https://personalprofitability.com/what-is-an-etf/) - An ETF is an Exchange Traded Fund. An ETF is a special type of mutual fund that can be bought and sold on a major stock exchange using its ticker symbol. Because it is traded on a major exchange, it is considered an exchange traded fund.
- [War on Your Inbox](https://personalprofitability.com/war-on-your-inbox/) - If time is money, you can become very wealthy by eliminating time wasters. One of the biggest black holes for time is e-mail. E-mail is one of the greatest communication tools ever invented and one of the biggest distractions in the world. I have declared war on my inbox to have a little more time wealth in my life.
- [Ten Ways to Get the Most Out of a Vacation](https://personalprofitability.com/ten-ways-to-get-the-most-out-of-a-vacation/) - The trick to a good vacation is a balancing act of time, money, planning, flexibility, research, and playing by ear.
- [Finance in Hollywood: Michael Scott](https://personalprofitability.com/finance-in-hollywood-michael-scott/) - In The Office, Michael Scott is the ultimate example of horrible personal financial management. He is a hilarious, obnoxious version of what not to do. His antics can actually teach us something about how to manage our money.
- [Changing Up Checking](https://personalprofitability.com/changing-up-checking/) - I have been a very happy user of a combination of US Bank (since 2000) and Capital One 360 (since 2007) for a while now. ING has paid very competitive rates and the online bill pay has become increasingly useful. However, I am up for a change.
- [IT’S HERE: THE NARROW BRIDGE BOOK!](https://personalprofitability.com/its-here-the-narrow-bridge-book/) - I first mentioned that I am working on an eBook quite a long time ago. I was not lying. The big day is here. And for a limited time, I am giving my readers the chance to get the book for 50% off!
- [Award Wallet is Mint for Non-Financial Tracking](https://personalprofitability.com/award-wallet-is-mint-for-non-financial-tracking/) - I always wished that Mint.com would add something to track my frequent flyer mile accounts, hotel point accounts, and so on. Fortunately, someone came up with a way to do it.
- [How To Buy Expensive Stuff](https://personalprofitability.com/how-to-buy-expensive-stuff/) - I am currently considering a few expensive purchases. I am looking at a new flat screen HDTV to replace my old analog TV. I am considering Lasik eye surgery. I am considering a new road bike. I like nice things and experiences, and I am happy to spend the money if it is something I will really enjoy.
- [Birthday Blogging: The Perks of Age Edition](https://personalprofitability.com/birthday-blogging-the-perks-of-age-edition/) - Hi everyone. If the title didn't give it away, today is my birthday. This twenty something is half way to thirty something.
- [Why Balloon Payments Are Actually Better](https://personalprofitability.com/why-balloon-payments-are-actually-better/) - Part of my job is to determine whether it is a better deal for the company to lease or buy new equipment, and balloon payments are always favorable compared to loans without balloons.
- [Credit Card Rule Changes: Mixed Bag for Consumers](https://personalprofitability.com/credit-card-rule-changes-mixed-bag-for-consumers/) - The final round of changes from the Credit CARD Act is going into effect, and consumer advocates expect mixed results for the average customer.
- [Spending on Vanity](https://personalprofitability.com/spending-on-vanity/) - I am loyal to my hair guy. I have been going to Fred for about 13 years. When I started going to Fred, my parents were still paying for my haircuts. He is at a professional salon that is much more expensive than some of the discount hair options.
- [RIP Wesabe [Personal Finance Arsenal]](https://personalprofitability.com/rip-wesabe-personal-finance-arsenal/) - Wesabe, a previously mentioned Mint.com alternative and member of the personal finance arsenal, has announced it will be closing its doors on July 31st. At that point, the community feature will remain but all finance tools and records will be purged. I am deeply unhappy to have to announce that Wesabe will be discontinuing our
- [Stock I Like: WWE](https://personalprofitability.com/stock-i-like-wwe/) - I made a good find and thought I would share it with all of you. I plan to purchase this stock in my personal portfolio and to recommend a 1,000 share purchase for the fund.
- [What You Can Learn About Life From Haggling in Chinatown](https://personalprofitability.com/what-you-can-learn-about-life-from-haggling-in-chinatown/) - I realized that you can learn a lot about life walking down a Chinatown street trying to get the best deal.
- [What To Do With a Raise?](https://personalprofitability.com/what-to-do-with-a-raise/) - I would like to take this opportunity to toot my own horn for a moment. I got a promotion and a raise! Yay! More money, more to do. Good times.
- [The Benefits of Insurance](https://personalprofitability.com/benefits-of-insurance/) - As someone who cares about their financial situation, which all Narrow Bridge readers surely are, you probably care about your stuff too. As a stuff owner, it is important to have stuff insurance.
- [Force Yourself to Live Paycheck to Paycheck](https://personalprofitability.com/force-yourself-to-live-paycheck-to-paycheck/) - I live paycheck to paycheck. There you go, I admit it. However, I am there intentionally. We all make choices in our lives that impact our financial situation. Sometimes those choices have the unintentional affect of making us live paycheck to paycheck. Others give themselves enough financial flexibility that they don’t worry about their bank account balance. I propose something completely different.
- [What You Can Learn About The Stock Market from Lending Club](https://personalprofitability.com/what-you-can-learn-about-the-stock-market-from-lending-club/) - As you all know if you are a regular reader, I am a fan of Lending Club. Lenders on the site are exposed to the entire dynamics of a market system, and that correlates directly to what you experience when investing in the stock market.
- [What I Learned at the Berkshire Hathaway Meeting](https://personalprofitability.com/what-i-learned-at-the-berkshire-hathaway-meeting/) - I made it to Omaha and back for the Berkshire Hathaway 2010 annual meeting. When I pulled up to the shareholder cocktail party at Borsheim’s on Friday night at 9:00pm, I knew that I was not at your typical shareholder event.
- [eBaytrage: Six Tools to Make Money as a Reseller](https://personalprofitability.com/ebaytrage-six-tools-to-make-money-as-a-reseller/) - A long while back, I wrote about eBaytrage. That is my word for buying a product somewhere in the world and reselling it through a website, such as eBay or Craigslist.
- [Buffet and the Great Tax Debate](https://personalprofitability.com/buffet-tax-debate/) - It is no secret to Narrow Bridge readers that I am a fan of Warren Buffet. His investing strategies have helped him grow investments from family and friends in Omaha into the company with the seventh largest revenue in the United States. As the debate moves forward on dealing with United States debt, the second richest American has voiced strong opinions on how to fix the problem.
- [America, We Have Health Care!](https://personalprofitability.com/america-we-have-health-care/) - Last night, the United States government made possibly the biggest step forward for the American people in my lifetime. 219 United States House representatives voted to bring long overdue reforms to the US health care system.
- [Starting Your 401(k) at a New Job](https://personalprofitability.com/starting-your-401k-at-a-new-job/) - Like most people in their early 20s, my friend was missing out on free money. If you are like her, here is what you need to do to get started.
- [Swagbucks](https://personalprofitability.com/earn-swagbucks/) - I jumped on the bandwagon. I joined Swagbucks. A series of posts by Fabulously Broke inspired my jump into the search rewards program. A week in, I thought I would share my thoughts.
- [What The Heck is a 529 Anyway?](https://personalprofitability.com/what-the-heck-is-a-529-anyway/) - Almost every investment firm offers a 529 account. They talk about how great it is and how everyone should have one. Most people have no idea how a 529 works or what it is. This post will give you a breakdown on the basics of a 529 and what you need to know if you are going to get started with this type of account.
- [Bank Funds Availability Policies - Regulation CC](https://personalprofitability.com/bank-funds-availability-policies-regulation-cc/) - I took a big check to the bank yesterday and was worried that the bank would put a hold on my funds. I decided to look into the laws about holding funds, and thought you might appreciate a quick breakdown on Regulation CC, the Federal regulation on bank holds.
- [How to Shop for a Car Loan](https://personalprofitability.com/how-to-shop-for-a-car-loan/) - Someone I know is in the market for her first car loan. I was flattered that she asked me about how car loans work. She is pretty smart. If she had questions, I am sure many of you might have the same questions. This post will discuss what you should think about if you are a twenty-something (or a "real live adult") looking for a car loan.
- [Disputing Credit Report Information](https://personalprofitability.com/disputing-credit-report-information/) - I just got off the phone with Experian. I just checked my annual credit report from Experian and found two things that are not accurate. Here is a rundown on the items and the process to remove the items.
- [The Credit Card Search Begins](https://personalprofitability.com/the-credit-card-search-begins/) - Now that I am closing my Chase card, I have to pick a new one.
- [My Debt, How I'm Paying It, and the Snowball Effect](https://personalprofitability.com/my-debt-how-im-paying-it-and-the-snowball-effect/) - For the first time, I am going to give exact details on my loan balances and how I am paying them off. I will also discuss the popular "snowball effect" for paying off your own debt.
- [Minimum Wage Increses](https://personalprofitability.com/minimum-wage-increses/) - On July 24, 2009 (that's less than two weeks), the United States minimum wage will increase from $6.55 per hour to $7.25 per hour. That is a difference of $1456 per year for impacted minimum wage employees. That might not sound like a lot to some of us, but it will bring people a roughly 10% raise.
- [Book Review: Automatic Millionaire](https://personalprofitability.com/book-review-automatic-millionaire/) - I read Automatic Millionaire a while back, but I think it is worthy of discussion here on Narrow Bridge. It was actually a part of what insipred me to start blogging about personal finance.
- [Book Review: Rich Like Them](https://personalprofitability.com/book-review-rich-like-them/) - I just finished reading Rich Like Them, a book dedicated to searching for the answers of how people get rich. Specifically, the book chronicles the author's journey across America's 100 richest zip codes.
- [Lending Club Updates](https://personalprofitability.com/lending-club-updates/) - Lending Club is a great option to invest and earn money. Follow my progress with these Lending Club updates sharing how much I earn with P2P lending.
- [Learn How Adjustable Thermostats Work](https://personalprofitability.com/learn-how-adjustable-thermostats-work/) - Programmable thermostats are amazing inventions. We have a new one in my house that was put in just before I moved it. It is one of the simplest ones out there, but it works. Why are they great inventions? They can save you tons of money. The highest utility cost in this house is gas.
- [The Recession Got Me, But I Am Insured](https://personalprofitability.com/recession-got-me-but-i-am-insured/) - I woke up this morning to a message about one of my banks. I have CDs at New Frontier Bank, a bank located about an hour and a half north of Denver. The bank has gone into FDIC receivership and is now controlled by Bank of the West. The FDIC is paying out insured deposits
- [Cars as Investments](https://personalprofitability.com/cars-as-investments/) - When I worked at the bank, I noticed something interesting. All of the officers had cars worth less than the regular employees. I knew that officers made more than non-officers. I always wondered why people who make less have cars worth more. I figured it out one day. All of the officers had nice, reliable
- [Finance Magazines I Like](https://personalprofitability.com/finance-magazines-i-like/) - While I like to read the Wall Street Journal and Financial Times, I do not have time to read them regularly. However, I have the entrepreneur bug, so I do like to keep up in that too. I have time for a magazine or two every month, and there are two money related magazines that
- [I Got a Raise and a Bonus!](https://personalprofitability.com/i-got-raise-and-bonus/) - I know some people find it hard to see their so many people get laid off and accept a raise and a bonus. I feel differently, and here is why. I work hard. I went to school for a long time to get a finance degree that would bring me career stability and help me
- [Keeping Credit and Cash Seperate](https://personalprofitability.com/keeping-credit-and-cash-seperate/) - When I worked in banking, we had many great customers. Part of our strategy was to grow our customer relationship to cover all of the customer's banking needs. These primarily included checking and savings accounts, credit cards, and loans. When a customer paid their loans and credit cards on time and managed their finances responsibly,
- [How I Make the Most Money Online](https://personalprofitability.com/how-i-make-most-money-online/) - This blog just broke even last week. Even though I broke even, I do not see this as a big money generator at any point in the future. I just do it for fun and to educate people. There is one site I have spent time on that is not just for fun, it is
- [Using Your 401k in a Rough Spot](https://personalprofitability.com/using-your-401k-in-rough-spot/) - Many people are getting worried and are acting irrationally because of the current economic downturn. I have some advice for people. STOP FREAKING OUT! People freaking out is what causes economic downturns. Everyone hears things are bad so they stop spending. That causes a long chain of economic events that turn into a recession. Anyway,
- [A Mint Alternative: Thrive](https://personalprofitability.com/mint-alternative-thrive/) - Update: Thrive has been shut down, but you can still see my always up-to-date list of free money management tools. You all know that my favorite part of the personal finance arsenal is Mint, a banking aggregation site that helps with budgeting and transaction history. Thrive has popped up as Mint's number one competition. The
- [Payday Loan Companies are Like Mafia Loan Sharks](https://personalprofitability.com/payday-loan-companies-are-like-mafia/) - If you are short on cash and need money quick, payday loans might sound good. They are not! Whatever you do, never, EVER, get a payday loan. They are so bad that some states are working to make them illegal. Washington DC was the first place to outlaw these predatory loans. According to the Consumers
- [Going to Small Claims Court Today](https://personalprofitability.com/going-to-small-claims-court-today/) - Today is the big day. I am going to small claims court. You can see a picture of my bike and the car that hit me here. It is fairly straight forward. I was hit from behind. I will let you all know what happened and how my first small claims court experience goes. I
- [Why I Don't Care That The Auto Bailout Failed](https://personalprofitability.com/why-i-dont-care-that-auto-bailout/) - American cars suck. That is the short reason. American car companies are bad at business, that is the longer reason. The United States government failed to pass a $14 billion bailout to United States car manufacturers. There are many reasons why the "Big 3", Ford, GM, and Chrysler, are not doing so well today. Here
- [Why To Skip Store Credit Cards](https://personalprofitability.com/why-to-skip-store-credit-cards/) - DebtGoal has a great post on why to skip the store credit cards. I have a confession to make, my first job in high school was at Target and I was one of the top (the top part time) in the store for selling Target credit cards. Since I can do simple math, I just
- [Cheap Shoes Spendy Shoes](https://personalprofitability.com/shoes/) - In order to properly show you just how boring my life can truly be, I’m going to share with you the first story about splurging that popped to mind when I found out the topic for this blog swap.
- [The Crazy 40% off Shopping Deal at Boxed with Amex](https://personalprofitability.com/deal-stacking-boxed-american-express/) - Using a combination of deals from Boxed.com and American Express, I was able to shop for more than 40% off! Deal stacking can lead to huge savings.
- [PPP056: I'm Eva Baker and I Help Teens Become Entrepreneurs](https://personalprofitability.com/episode56/) - Eva Baker is the founder of Teens Got Sense and runs the annual Teenprenuer conference, but it all started when she was a teen herself. Hear her story here.
- [PPP063: Conquering Fear with Brad Finkeldei](https://personalprofitability.com/episode63/) - Brad Finkeldei wasn't always known as "The Rubber Chicken Guy." Learn how to overcome fears and break free of the cubicle in this week's awesome episode.
- [PPP093: The Path to Entrepreneurship with Mike Trotzke](https://personalprofitability.com/episode93/) - Have you ever thought about the steps people take to become successful? In this episode, I talk to Mike Trotzke of Cheddar about entrepreneurship, the steps Mike took before he became the CEO of Cheddar, and more.
- [PPP085: Tim & Amy Rutherford on Spending Less and Living More](https://personalprofitability.com/episode85/) - On this week's episode, I'm talking with Tim and Amy Rutherford about how they learned to live on less so they could enjoy life more - and much more!
- [Episode 86: Debbie Drum on Becoming a Better Entrepreneur](https://personalprofitability.com/episode86/) - Debbie Drum is a repeat entrepreneur and author of the book Read Better Faster. Learn more about how she improves everything from reading to running an online business more efficiently in today's podcast episode with special guest Debbie Drum.
- [PPP088: Warren Hogarth Talks Investments and Apps](https://personalprofitability.com/episode88/) - Today's guest has been on both sides of the business investment table: one as a venture capitalist for Sequoia Capital, and one side as the founder of the personal finance app Empower. You won't want to miss this episode with Warren Hogarth!
- [PPP083: Becoming a Creative Entrepreneur with Minette Riordan](https://personalprofitability.com/episode83/) - In this episode, I'm speaking with Dr. Minette Riordan, an expert in marketing, sales and money mindset, on creative entrepreneurship.
- [PPP079: Andrea Klunder](https://personalprofitability.com/episode79/) - I met Andrea Klunder at Podcast Movement when a speaker said, "talk to the person next to you." She's awesome and joins us for today's episode.
- [PPP080: Make Your Money Roar with Tim Hong and MoneyLion](https://personalprofitability.com/episode80/) - Tim Hong is Chief Marketing Officer at MoneyLion, an app designed to help you save more, get out of debt, and boost your investments. Join in today's chat!
- [PPP094: Scott Bennett on Skratch & Teen Entrepreneurship](https://personalprofitability.com/episode94/) - Scott Bennett is the founder of Skratch, a teen-focused app to help young people find summer jobs and part-time jobs. Learn more about teen work opportunities and founding an app based startup in this week's podcast episode.
- [Episode 89: Jason Steele on Credit Cards, Travel Hacking & More](https://personalprofitability.com/episode89/) - In this episode of the Personal Profitability Podcast, I talk to Jason Steele about credit cards, travel hacking and more.
- [PPP092: Tom Sylvester, the Serial Entrepreneur](https://personalprofitability.com/episode92/) - In this episode, I chat with Tom Sylvester, a serial entrepreneur and all around great guy. He's got some great tips and strategies for the #entrepreneurs out there, so you won't want to miss this episode!
- [PPP095: Thor Conklin and Building a Profitable Business](https://personalprofitability.com/episode95/) - On episode 95, I'm talking to an amazing business coach, Thor Conklin. He's also a serial entrepreneur who has built multiple successful businesses, and in this episode he shares his advice for us on building a successful business.
- [PPP077: Maximizing The Dollars You Keep with Garrett Gunderson](https://personalprofitability.com/episode77/) - Garrett Gunderson is a best-selling author and the man behind Wealth Factory, where he helps entrepreneurs optimize their personal and business finances.
- [PPP061: Paying Off Student Loans & Scholarships with Jocelyn Paonita](https://personalprofitability.com/episode61/) - Founder of The Scholarship System, Jocelyn Paonita joins us this week to tell you and your kids how to pay for college without any student loans.
- [Save Money Shaving](https://personalprofitability.com/save-money-shaving/) - I am a big fan of saving money. I am also a big fan of convenience. I recently joined my first subscription wine club and love getting interesting, high quality wines delivered to my door each month for less money (and time) than a trip to the local liquor store. I found another time and money saving service that I have to tell you about.
- [Slice Tracks Your Purchases](https://personalprofitability.com/slice/) - Slice is a new and useful website that can be used to track your online shopping habits. Like Mint or Adaptu, Slice brings everything you need to know to one place from multiple websites. Like TripIt, Slice can grab your information from your Gmail or Yahoo inbox automatically so you don’t have to remember to update your account.
- [3 Paycheck Months](https://personalprofitability.com/3-paycheck-months/) - I am on the “every other Friday” payroll. Each year, most people have three months where they get three paychecks.
- [How to Consolidate Debt](https://personalprofitability.com/how-to-consolidate-debt/) - It is important to know how debt consolidation works so you can make good, informed decisions.
- [Keep Old Credit Alive](https://personalprofitability.com/keep-old-credit-alive/) - About two years ago, a bank closed one of my credit cards due to “inactivity.” Unfortunately, even though credit markets are loosening, it takes more than just good credit to keep your accounts alive.
- [BRK2011: Berkshire and a Green Future: Shareholder Proposal](https://personalprofitability.com/brk2011-berkshire-and-a-green-future-shareholder-proposal/) - So far, we have discussed Berkshire’s dividend policy and future leadership. Today, we are going to focus on a particular shareholder proposal that led to the most contentious moments of the day.
- [BRK2011: Dreams Inspired by Berkshire: Fortune and NetJets](https://personalprofitability.com/dreams-inspired-by-berkshire/) - To top off Berkshire Hathaway week at Narrow Bridge, I want to talk about the inspiration and enthusiasm from participating in the “Woodstock for Capitalists” in Omaha. Now that we have discussed dividends, leadership, and environmental policies, it is time to focus on something a bit more fun.
- [BRK2011: Berkshire Hathaway Future Leadership](https://personalprofitability.com/berkshire-hathaway-future-leadership/) - Yesterday we talked about Berkshire Hathaway’s dividend policy, which is a forward looking discussion of Berkshire’s ability to generate a strong return. None of that will be possible, however, unless Berkshire Hathaway has strong leaders.
- [Shopping for Car Insurance](https://personalprofitability.com/shopping-for-car-insurance/) - For years I knew that one day my Dad would kick me off the car insurance. That day has come, and I have been doing diligent shopping, quality, and price comparisons to help me make a decision.
- [Wedding Present Economics](https://personalprofitability.com/wedding-present-economics/) - If you are like me, you know a lot of people getting married. It seems that about every month or two, a friend calls me to tell me the good news. Of course, my first reaction whenever a buddy gets engaged is to sing the song 'Another One Bites the Dust.'
- [The Disgusting State of American Healthcare](https://personalprofitability.com/american-healthcare/) - I have really good insurance. I work at a great company with great healthcare benefits. My monthly cost is only about $60. Even with that, things are not always as they seem.
- [15 Random Tips For A College Freshman](https://personalprofitability.com/tips-for-a-college-freshman/) - This post is part of the Yakezie blog swap and was written by SB fromOne Cent At A Time. If you enjoyed this article, feel free to visit his blog and subscribe to his RSS feed.
- [Book Review: The Wealth Cure](https://personalprofitability.com/the-wealth-cure/) - I recently had the pleasure of sitting down to read Hill Harper’s new book, “The Wealth Cure.” The wealth cure takes an interesting look at personal finance compared to many of its counterparts.
- [Giving Thanks on Thanksgiving](https://personalprofitability.com/giving-thanks-thanksgiving/) - If you missed the memo, I quit my job and took my online writing business full-time in April. At the same time, I moved to the beach in California a long drive from the Fortune 500 companies I’ve spent the majority of my career working for. This is letting me live a dream lifestyle. I
- [The Most Bizarre Thing That Has Ever Happened to Me](https://personalprofitability.com/most-bizzare-thing/) - This is a story about friendship, deception, and reconciliation. It is one of the most interesting blog posts I have ever written and I encourage you to take a few minutes to read it.
- [Blogger Interview: Marie at Family Money Values](https://personalprofitability.com/family-money-values/) - Today we have the pleasure of an interview with Marie at Family Money Values, a site with an eerily appropriate name. Be sure to stop by and read about how personal finances impact a family and how, even if you have kids, you can still focus on your family's wealth.
- [Protect Yourself from Everyone](https://personalprofitability.com/protect-yourself-from-everyone/) - I recently went through a very shocking moment when I realized I could not trust someone that I thought was one of my closest friends. I will share more about that next week, but it got me thinking. You really can’t trust anyone with your account information and passwords.
- [Open Letter to Rep. Mike Coffman](https://personalprofitability.com/open-letter-to-mike-coffman/) - House Representative Mike Coffman (R-CO) is my elected official in the House of Representatives. I recently asked you to write your congress representatives to support raising our debt ceiling for a variety of reasons. Here is my letter. Feel free to use part of it or all of it when emailing your Representative regarding this issue.
- [What Price/Book Ratio Means in Investing](https://personalprofitability.com/price-book-ratio/) - If you are baffled by the ratios in the stock market, you are not alone. You can easily find a whirlwind of figures and ratios. Some of them, such as P/E and market cap are easily explained and understood. However, you might be able to find more value from less known ratios such as Price/Book.
- [My First Jobs: Camp and Retail](https://personalprofitability.com/my-first-jobs/) - You all know that I have worked in banking and finance, but I have not told you very much about my more humble beginnings. Long before my MBA, years before my BSBA, I worked at a Boy Scout camp and a Target Store.
- [What Is The Debt Ceiling and Why Does It Matter?](https://personalprofitability.com/what-is-the-debt-ceiling/) - The United States government is on the verge of collapse. You might not know it just by going out to the grocery store, restaurant, or work. People are going on as if nothing is happening, but if you know what is going on in Washington and understand economics, you know how close we are to disaster.
- [Building Home Equity: Ways to Build Wealth](https://personalprofitability.com/building-home-equity/) - One of the biggest assets you will ever own is your home. The debate on whether a home is an investment will never die, but there is no question that the ideal situation for a homeowner is to build equity.
- [Groceries vs. Restaurants](https://personalprofitability.com/groceries-vs-restaurants/) - I have something to admit. I hate grocery shopping. I hate it more than almost anything. However, it is something that you have to do from time to time. Last night I was hungry, so after a seven week hiatus I made the trek to the grocery store. It got me thinking…
- [Biased by Appearances](https://personalprofitability.com/biased-by-appearances/) - Have you ever wondered why some people get a promotion over someone with equal competence? Do you wonder if the hot blonde down the aisle gets paid more than the fat, ugly girl in the cubicle next door?
- [To Maid or Not to Maid?](https://personalprofitability.com/maid/) - I am a 26 year old guy. Most weekdays, I leave my apartment around 7:30am and get home around 9:00pm. On weekends, I am busy watching movies, curing hangovers, and de-stressing from the week. Lately, that does not involve a lot of time for cleaning.
- [Put it Back!](https://personalprofitability.com/put-it-back/) - I have a hard time shopping for myself. It's not that I don't know what to buy for myself, but I've really trained myself to be frugal.
- [Completing The Yakezie Challenge](https://personalprofitability.com/yakezie-challenge/) - Some of you may remember a post a long time ago about my joining the Yakezie Challenge.
- [Mobile Money Management](https://personalprofitability.com/mobile-money-management/) - Today I downloaded the Schwab app and Chase Bank app to my Droid. So far, I am impressed and happy with the apps.
- [Rolling Over Your 401(k)](https://personalprofitability.com/rolling-over-your-401k/) - Now that I have settled into my new job, I have to deal with the financial side of leaving a job. It is something that many people put off, but when you get a new job it is important to make sure your retirement accounts are in order.
- [Bank Credit Laws: Reg Z](https://personalprofitability.com/bank-credit-laws-reg-z/) - One of my banks closed my credit card due to inactivity. When I got the letter in the mail, I started to think: is this even legal?
- [Book Review: 10,001 Ways to Live Large on a Small Budget](https://personalprofitability.com/book-review-10001-ways-to-live-large/) - I just finished reading the new book by the bloggers over at Wise Bread. Their book, 10,001 Way to Live Large on a Small Budget, gives many thousands (ten actually) of tips on living frugal and personal finance.
- [Buy Big Items With Reverse Credit](https://personalprofitability.com/buy-big-items-with-reverse-credit/) - It has happened to all of us at one point or another, we see something that we want but do not have the cash in the bank to buy it.
- [Time Value of Money Explained](https://personalprofitability.com/time-value-of-money-explained/) - If you have $100 today, what is it worth? What would you pay today to ensure you receive $100 one year from now? Would you pay $95 or $105? Bankers, loan specialists, and mortgage brokers are experts in the time value of money (TVM).
- [Upromise Helps Pay For School](https://personalprofitability.com/upromise-helps-pay-for-school/) - I recently gave in and took the dive into Upromise. Upromise is a program designed to give you cash back from select purchases (namely restaurants, online stores, and grocery) to fund a 529 college savings account, pay for college loans, or go directly to education expenses. Anyone can sign up. An adult can sign up
- [Saving Companies Money is Not Always Bad](https://personalprofitability.com/saving-companies-money-is-not-always-bad/) - Deep down inside, I know a lot of people probably think saving the big bad company money is a bad thing. Why would I want to save the cable company money? Don't they gouge me every month when I get my bill? I take a different look at it. Sometimes saving companies money can save you money, or make you money. My favorite example of this is paperless billing.
- [Picking a Credit Card (Part 2)](https://personalprofitability.com/picking-a-credit-card-part-2/) - So, now that we know where to look for credit cards, I want to share with you the final part of making my decision.
- [The Benefits and Hidden Costs of Loyalty Programs](https://personalprofitability.com/the-benefits-and-hidden-costs-of-loyalty-programs/) - Whether you are getting free swag from the Old Chicago Beer Tour, a gold card from Starbucks, or a free burrito from Qdoba, it may be too good to be true.
- [My Annual Credit Report: Experian](https://personalprofitability.com/my-annual-credit-report-experian/) - This week I pulled my annual Experian credit report free from AnnualCreditReport.com. Annual Credit Report is the only free, government authorized credit report site with no strings attached. You do not get a score, but that is why Credit Karma is part of the Personal Finance Arsenal. There were no big surprises this time around.
- [My Narrow Bridge Adventure Begins](https://personalprofitability.com/my-narrow-bridge-adventure-begins/) - Rabbi Nachman Me'Uman wrote a beautiful, inspiring song. Kol Ha'Olam Kulo, Gesher Tsar Me'od. The whole world is a very narrow bridge. Veha'ikar - veha'ikar lo lefached klal. The most important thing to remember is not to be afraid at all.
- [My Family’s Almost Free Trip to Austin](https://personalprofitability.com/my-familys-almost-free-trip-to-austin/) - I took my wife and daughter to #Austin for a fun visit with family and friends. Check out what we did, what we ate, and how we took the trip for only $200!
- [You're Homeless... Now What?](https://personalprofitability.com/homeless/) - I confess. I’m a worrier. I think I was born this way. Although I’m determined to be a “glass half full” girl, I always have a “what if” plan.
- [Personal Profitability Income Report January 2018](https://personalprofitability.com/personal-profitability-income-report-january-2018/) - Welcome to my January 2018 online and side hustle income report, where I break down how I brought in over $14,000 in revenue working online from my home office! This was a great month, and I'd love to help you see the same results in your business!
- [Episode 87: Jess Perez, Model & CEO](https://personalprofitability.com/episode87-jess-perez-model-ceo/) - Jess is a former Sports Illustrated model and now the CEO and founder of Tycoon. Jess created her app to solve a personal pain point as a freelancer: tracking who owed her money and knowing how much she had earned.
- [PPP081: Thomas Fire Evacuation and Fire Baby](https://personalprofitability.com/episode81-2/) - It's been a crazy two weeks for our family, but I have good news to share! Click through to read our experience with the Thomas Fire and our new fire baby -
- [PPP075: From Student Loans to Money Mastery with Whitney Hansen](https://personalprofitability.com/episode75/) - Whitney Hansen bought a house at 19, paid off her $30,000 student loans in 10 months, and more. Learn her best money advice in this week's episode.
- [PPP074: From Pro Sports Pro Branding to Dennis Langlais](https://personalprofitability.com/episode74/) - Dennis Langlais began his career as a pro BMX cyclist, and the Great Recession made him quickly learn how to turn those skills into a business.
- [PPP: Special Announcement - New Format!](https://personalprofitability.com/ppp-special-announcement/) - The Personal Profitability Podcast is launching a new format starting next week! Get ready for weekly episodes that are better than ever!
- [How and Why to Invest in Domain Names to Protect Your Brand](https://personalprofitability.com/invest-in-domain-names/) - Domain names are a key part of both online and offline businesses. Investing just $10 per year can lead to huge results and brand benefits.
- [How to Make the Most of a Loan With a Short-Term Financing Company](https://personalprofitability.com/make-loan-short-term-financing-company/) - This post comes in conjunction with a Personal Profitability partner. If you’ve found yourself coming up short with enough cash to pay your bills one month, the good news is that you have some options. Consumers who have an emergency expense, such as a doctor’s bill, a car repair, or something else unexpected, can use
- [What is Forex Trading and How Can I Get Involved?](https://personalprofitability.com/forex-trading-can-get-involved/) - Trading is all the rage nowadays and for good reason. It’s a great way to make extra money, from the comfort of your home and office. One of the best markets to get involved in is Forex trading, as it works to the advantage of casual traders and experts alike. But getting into Forex trading
- [3 Great Ways to Further Stretch Your Grocery Budget](https://personalprofitability.com/3-great-ways-to-further-stretch-your-grocery-budget/) - Stretching your grocery budget has likely become more difficult the last few months, but with a few simple changes you can still save money on groceries.
- [How Should Millennials Start With Credit?](https://personalprofitability.com/how-should-millennials-start-with-credit/) - This past weekend, I spent four days at the Financial Blogger Conference to get ideas for making this site better for all of you. While there, I was interviewed by credit reporting agency Experian. They asked me about starting out with credit for college students and young professionals.
- [Getting Awesome Free Travel Rewards](https://personalprofitability.com/free-travel-rewards/) - I have written about awesome mileage cards in the past, and just took advantage of a sweet deal that landed me a free round trip flight on American Airlines. Sound too good to be true? It isn’t. You can do it too.
- [How To ‘Winter Proof’ Your Home](https://personalprofitability.com/how-to-winter-proof-your-home/) - Summer is upon us, but now’s not the time to rest on your laurels. Take some time out, between BBQ’s and summer holidays, to ‘winter proof’ your home. The warmer, lighter months are the perfect time to make sure that all of those little exterior jobs are sorted. You can tick things off of your list during the long summer evenings, while the going’s good.
- [Book Review: “The Skinny On” Series](https://personalprofitability.com/book-review-the-skinny-on-series/) - This week, I read two books from the “Skinny On” series by Jim Randel. “The Skinny On Credit Cards” and “The Skinny On Networking” were quick, enjoyable books with an interesting twist compared to the average finance and how-to books you will read today.
- [Homes as Investments](https://personalprofitability.com/homes-as-investments/) - Over the last year or so, we have seen real estate prices fall like we could never have imagined. Many experts believe that residential real estate is just the beginning, and that commercial will start to go into crisis mode in the near future. What are we to do now? I like to think of
- [The Easiest Way to Invest for Retirement](https://personalprofitability.com/the-easiest-way-to-invest-for-retirement/) - We have talked about automatic investments many times on this blog. I am a big fan of setting up a system that takes money straight out of your paycheck and puts it away for the day you call it quits. However, people often get nervous about investing their retirement savings. I have a couple of
- [Five Bad Financial Decisions that will Hammer you with Debt](https://personalprofitability.com/bad-financial-decisions-that-will-hammer-you-with-debt/) - The pressure of credit card debt or the stress of bills can usually be linked back to a bad financial decision you wish you could take back.
- [As Seen On TV: The Business Behind The Products](https://personalprofitability.com/as-seen-on-tv-the-business-behind-the-products/) - Last night, I watched a fascinating CNBC show about “as seen on TV” product that are sold primarily through infomercials. I have never bought anything from an infomercial, but apparently a lot of people have. Those TV products have made a lot of people a lot of money.
- [How to Stay On Top of Student Debt and Save While in School](https://personalprofitability.com/how-to-stay-on-top-of-student-debt-and-save-while-in-school/) - Staying on top of debt is tough, especially when you're still in school. It's best to minimize the amount of student loans you take out, but you have to have enough money to live without being constantly stressed out. Here are some tips to help you stay on top of your student loan debt and save money while you're in college.
- [Solving Homelessness in America](https://personalprofitability.com/solving-homelessness-in-america/) - Denver recently passed an “outdoor camping ban” which, in practice, is simply a law making it illegal to be homeless. This is far from a solution to the homelessness problem, it will just move the homeless to surrounding cities and states. It made me think about actual solutions to homelessness in America.
- [16 Things It Took Me 50 Years to Learn - Dave Barry](https://personalprofitability.com/16-things-it-took-me-50-years-to-learn-dave-barry/) - In honor of tax day, I thought I would share a little wisdom I read on the wall of Jimmy John's yesterday. Here's 16 Things It Took Me 50 Years to Learn.
- [My Financial Pet Peeve](https://personalprofitability.com/blog-swap-my-financial-pet-peeve/) - This post was written as part of a “Yakezie blog swap” where members of the Yakezie Personal Finance Blogging Network pair up and exchange guest postings on a common topic.
- [Why Denver is Way Better Than The City You Live In](https://personalprofitability.com/why-denver-is-way-better-than-the-city-you-live-in/) - A couple weeks ago, I was hanging out with 400 fellow finance bloggers discussing ways to make our sites better and more useful for all of you, our readers. I had the pleasure of planning and speaking at Ignite FinCon, one of our big social events. This was my third Ignite speaking engagement, and I am excited to bring you the video of my big night on stage.
- [How to Become Kind of a Big Deal](https://personalprofitability.com/how-to-become-kind-of-a-big-deal/) - A couple of weeks ago, I spent the weekend in Saint Louis for the third annual Financial Blogger Conference. I had the opportunity to host Ignite FinCon for the second year, and we had a great time. I did a five minute talk on "How to Become Kind of a Big Deal." Enjoy!
- [Relax at Home and Save Cash](https://personalprofitability.com/weekend-fun-relax-at-home-and-save-cash/) - Rather than chase the parties, some weekends I just hang at home with my beautiful wife and have a great weekend without spending a dime.
- [5 Tips for New Home Buyers](https://personalprofitability.com/5-tips-for-new-home-buyers/) - With rent prices going higher and higher all renters are going to reach a point where enough is enough. When a rent payment is more than a monthly mortgage payment and they have nothing to show for the thousands of dollars at the end of a lease, frustration mounts. Many would-be buyers shy away from the daunting process of home buying as lenders put buyers through more scrutiny than ever before. But with high availability of homes, all time low interest rates and no hassle lenders like American Financing, now is the best time to go through the extra effort to buy a home. When contemplating jumping into the home buying pool, please consider the following tips will help you get prepared for the home buying process.
- [4 Ways to Get Started Sharing Finances](https://personalprofitability.com/4-ways-to-get-started-sharing-finances/) - Relationships alone can be difficult. Introduce the topic of finance and things can really start to get interesting. Money ranks as one of the top most fought over subjects in relationships so there is no question that it should be discussed with your significant other if it hasn’t been already. Open communication in any subject can save you a lot of heartbreak and frustration, so it is no surprise that this concept applies to finances in relationships as well.
- [Should I Buy The Shoes - A Lesson in Frugality](https://personalprofitability.com/should-i-buy-the-shoes-frugality/) - My Grandpa Joe lived through the Great Depression. It was not an easy time for most Americans, and some of the lessons from the Depression stuck with its survivors for the rest of their lives.
- [8 Ways Cut Back on Your Monthly Grocery Expenses](https://personalprofitability.com/8-ways-cut-back-on-your-monthly-grocery-expenses/) - If you've felt like your grocery expenses have increased in the past few months, you'd be right on the money.
- [Why Small Business Bank Accounts are Important](https://personalprofitability.com/why-small-business-bank-accounts-are-important/) - As you all know, I’m busy outside of my day job. In addition to my full time gig as a financial analyst, I run two companies. I have a blogging and online media company and a flash mob company. To protect myself from personal liability, I have an LLC for each. To ensure my LLC
- [Focus on Long Term Wealth](https://personalprofitability.com/focus-on-long-term-wealth/) - Are you determined to get out of debt and grow your wealth? When I made the decision to get out of debt, all I could focus on was the current day, or at most, the next day. I had to deny myself various pleasures each and every day so that I could have that extra hundred bucks at the end of the month to put toward my student loans. It was certainly a step by step process, which required me to keep my head down and plod through each day.
- [4 Financial Boundaries to Set Before Moving in Together](https://personalprofitability.com/4-financial-boundaries-to-set-before-moving-in-together/) - Couples preparing to move in together have many decisions to make, from which colors to paint the walls to how to divvy up the chores. But perhaps the most important thing couples can do before they move in together is create financial boundaries.
- [Secrets of Smart Savers Revealed](https://personalprofitability.com/secrets-of-smart-savers-revealed/) - We are all the same when it comes to saving money. Nobody is born with better skills than someone else. Nobody is a natural at personal finance. Sure, some folks are cheap by nature, while others want to indulge in everything. I get that. That's not a valid excuse though.
- [What To Do With a Public Employee Retirement Account?](https://personalprofitability.com/public-employee-retirement-account/) - A reader sent me a note asking for ideas on moving to a new job after working for the State of Colorado, where the retirement plans are run by an organization called PERA. PERA works sort of like a pension plan and sort of like a 401(k). Read the question, and my answers, below.
- [5 Great Reasons to Get Out of Debt](https://personalprofitability.com/5-great-reasons-to-get-out-of-debt/) - Are you thinking about dumping your debt? Maybe you are still on the fence about whether it is really worth it. Let me tell you a true story that might help you make up your mind.
- [How to Collect Coins – Becoming a Modern Numismatist](https://personalprofitability.com/how-to-collect-coins-–-becoming-a-modern-numismatist/) - I spent an hour or so last weekend at a coin show. I have been collecting for about 15 years, so I have learned a thing or two about coin collecting over the years. My collection has had periods where it has grown quickly, and others where the only thing that has grown on it are dust bunnies. Over the years, though, it has been a fun and enjoyable hobby.
- [Credit Cards on Vacation](https://personalprofitability.com/credit-cards-on-vacation/) - I have a story for you. A "perfect storm" of vacation credit card problems left my sister in Greece with only 100 Euros in her pocket. The issues sprouted from another trip thousands of miles away. Here is the rundown, and the lesson learned, from the experience.
- [Is Refinancing Your Mortgage Always a Good Idea?](https://personalprofitability.com/is-refinancing-your-mortgage-always-a-good-idea/) - Many have taken advantage of refinancing their mortgage recently. Before refinancing a mortgage do your homework and make sure it's right for you.
- [Challenges in Growing Your Small Business](https://personalprofitability.com/challenges-in-growing-your-small-business/) - If you are like me, you want to build a small business to gain financial independence. Doing that, however, is not an easy task. If it were, everyone would do it. If you do have a small business, and you want it to grow, you will find many challenges.
- [How Can I Start Saving For Retirement When I Can't Afford It?](https://personalprofitability.com/how-can-i-start-saving-for-retirement-when-i-cant-afford-it/) - In my second video blog post, I share a strategy to start saving for your retirement when it feels out of reach. You can get started with only $1 per work day.
- [Buying or Renting Tools for Home Improvement Projects](https://personalprofitability.com/buying-or-renting-tools-for-home-improvement-projects/) - If you own your own home, you might like to do upgrades yourself. I have often debated hiring a professional or doing projects myself, but if you decide to do it yourself, you will need the tools for the job.
- [Going Shopping Today is Stupid](https://personalprofitability.com/black-friday-is-stupid/) - Many of my contemporaries tout Black Friday as a day to take full advantage of frugal ways to shop on a very low budget. They argue that if you stay focused and plan out your Black Friday shopping, you can get great deals on many tempting products. I am in another camp, however, if you are waiting until Black Friday to buy something, you probably don’t need it at all.
- [9 Tips for Thrift Store Shopping](https://personalprofitability.com/9-tips-for-thrift-store-shopping/) - The country is buzzing about thrift store shopping. Did you miss the message? Where else can you get your grandma's jumpsuit for $7?
- [The First Step to Combined Finances – Cohabitation](https://personalprofitability.com/the-first-step-to-combined-finances-cohabitation/) - I have some big news in my life. On April 1st, my wonderful girlfriend and I are going to be living together. J is moving in, along with two furry friends, and we are going to start a new home together.
- [Why Moving to a Credit Union is Not a Bad Idea](https://personalprofitability.com/why-moving-to-a-credit-union-is-not-a-bad-idea/) - People often talk about why banks are a bad place to keep your money. They charge lots of fees and have notoriously bad customer service, but there are benefits and drawbacks to both big banks and local credit unions that are important to consider.
- [What Do You Waste Money On?](https://personalprofitability.com/what-do-you-waste-money-on/) - No one likes to waste money. If left unchecked it can harm a budget, but by allowing yourself some free money it makes life more enjoyable.
- [4 Simple Ways to Make Money Through Spring Cleaning](https://personalprofitability.com/make-money-spring-cleaning/) - This is the time of the year that many people are busy spring cleaning. Here are some great ways to make money while cleaning out your house.
- [What Does .25% Interest Mean For You?](https://personalprofitability.com/what-does-25-interest-mean-for-you/) - As you all probably heard, the Federal Reserve lowered the interest rate to .25%. This near zero rate caused a spike in the stock market and many reactions around the finance world. What does it mean for you? I'll tell you! As a borrower, it means you can save money. This is going to be
- [Personal Finance Lessons from the iPhone 5 Release](https://personalprofitability.com/personal-finance-lessons-from-the-iphone-5-release/) - OMG! OMG! APPLE HAS A NEW PHONE! iPHONE 5! WOOO! ... Chill out people. It is just a phone.
- [Annual Insurance Check Up](https://personalprofitability.com/annual-insurance-check-up/) - I recently had two major insurance changes, and it reminded me of how important it is to shop around when renewing or finding a new policy.
- [Paying for Airport Parking](https://personalprofitability.com/paying-for-airport-parking/) - I just got back from a weekend in Little Rock, Arkansas, and was faced with the usual travel decision about car parking. From official airport lots to private lots, you can pay a lot or a little to park at the airport.
- [The Biggest IPOs of All Time](https://personalprofitability.com/the-biggest-ipos-of-all-time/) - After Facebook’s record setting $16 billion IPO on Friday, which was received by the public with lackluster results, I started to think about other large IPOs and how they fared. While none had the hype of Facebook, the 3rd biggest IPO of all time, some had much better numbers.
- [Millions Turn Their Backs On Banks, Favor Alternative Solutions](https://personalprofitability.com/millions-turn-their-backs-on-banks-favor-alternative-solutions/) - According to recent data from the Federal Deposit Insurance Corp., millions of Americans today do not have a bank account, and they like it that way. In fact, they choose to do business with other types of financial institutions, such as check cashing stores, to meet their banking needs. While the FDIC would like to
- [Bankruptcy Rate Increase Slows](https://personalprofitability.com/bankruptcy-rate-increase-slows/) - A British study found that the rate of bankruptcies and Individual Voluntary Agreements is still increasing, but the rate of increase is leveling off.
- [Housing Prices Show Recovery](https://personalprofitability.com/housing-prices-show-recovery/) - As we all know, this recession has pushed down housing prices around the world. It looks like the worst might be behind us.
- [Interview: Jason at Live Real Now](https://personalprofitability.com/interview-jason-at-live-real-now/) - Welcome to the newest installment of the Yakezie interview series. Today, we have questions answered by Jason at Live Real Now. Jason has been making major strides cutting his debt and has chronicled the journey at his site.
- [Interview: Free From Broke](https://personalprofitability.com/free-from-broke/) - Today I had the opportunity to ask Glen at Free From Broke a few questions about his personal finance goals and history. Free From Broke is a top quality personal finance site. It chronicles a journey from credit card debt to being, as the name implies, a lifestyle free from debts and worries.
- [Why Banks Sell Loans and How It Impacts You](https://personalprofitability.com/why-banks-sell-loans-and-how-it-impacts-you/) - I just got a letter in the mail from my student loan company saying that my loan has been sold to the US government and will now be processed by a federal payment processing center. This is common in the student loan and mortgage loan business. I figure that if it is happening to me, it is happening to other people to. And if a bank does it, it is probably confusing. Here is how it works.
- [Chase Is Trying to Rip Me Off](https://personalprofitability.com/chase-trying-to-rip-me-off/) - I received a letter this weekend from Chase, the bank where my primary credit card is housed. The letter seemed all nice and fluffy. I am being "upgraded" to a new premier rewards program. I kept reading and everything seemed great... And then I made it down to the end where they drop in a line saying that I will have to pay a $30 annual fee. Not going to happen.
- [Planning and Luck Can Save Money](https://personalprofitability.com/planning-and-luck-can-save-money/) - Last night I went to a large social event for Jewish grad students and young professionals in my town. It was a lot of fun. I had a good time and met some cool people. I didn't bust the bank on the bar crawl (only did one drink per bar rather than the two or
- [The Only Credit Repair Agency That Works](https://personalprofitability.com/only-credit-repair-agency-that-works/) - I am sure you have seen all of the advertisements around the Internet for credit repair agencies. You see them on the web, TV, and billboards and hear them on the radio. Some say that you only need to make one call and they will take care of the rest. I have a tip for
- [How Does a High-Yield Savings Account Work?](https://personalprofitability.com/how-does-a-high-yield-savings-account-work/) - How does a high-yield savings account work? Here is how the APY, the FDIC insurance, and the daily compounding add up, plus how to open one.
- [Zero-Based Budgeting: How It Works and How to Build One](https://personalprofitability.com/zero-based-budgeting/) - Give every dollar a job before the month starts, that is zero-based budgeting. Here is how to build one, a real example, and how it stacks up to 50/30/20.
- [How to Pay Yourself as a Business Owner](https://personalprofitability.com/how-to-pay-yourself-as-a-business-owner/) - Here's how to pay yourself as a business owner: match salary, draw, or distribution to your structure, then set aside taxes so payday never surprises you.
- [What Credit Score Do You Start With?](https://personalprofitability.com/what-credit-score-do-you-start-with/) - What credit score do you start with? None. Your score does not exist until your file has history. Here is when your first score appears and what it looks like.
- [Roth IRA for Beginners: Your 2026 Complete Guide](https://personalprofitability.com/roth-ira-for-beginners/) - A Roth IRA for beginners: 2026 contribution limits of $7,500, income phase-out rules, how to open one, and the best investments for tax-free growth.
- [Debt Snowball vs Avalanche: Which Payoff Method Is Right for You?](https://personalprofitability.com/debt-snowball-vs-avalanche/) - Debt snowball vs avalanche: snowball pays smallest balance first, avalanche targets high interest. Here’s which debt repayment method gets you debt-free faster.
- [Self-Employment Tax Explained: A 2026 Guide](https://personalprofitability.com/self-employment-tax-explained/) - Self-employment tax is the 15.3% tax on net self-employment income that covers Social Security and Medicare for freelancers and independent contractors. Here's exactly how it works, how to calculate it, and how to reduce it.
- [How to Price Your Freelance Work: Set Rates That Pay You What You're Worth](https://personalprofitability.com/how-to-price-your-freelance-work/) - Here's how to price your freelance work: calculate your minimum rate from income, taxes, and costs, then research what clients in your field actually pay.
- [The 50/30/20 Budget Rule Explained (And How to Use It With Variable Income)](https://personalprofitability.com/50-30-20-budget-rule/) - The 50/30/20 budget rule splits take-home into 50% needs, 30% wants, and 20% savings. Here is how to calculate your numbers and use it with a variable income.
- [How to Build Credit From Scratch: A Step-by-Step Guide](https://personalprofitability.com/how-to-build-credit-from-scratch/) - Here's how to build credit from scratch: open a secured card or credit-builder loan that reports to the bureaus, pay on time, and keep your balances low.
- [LLC vs Sole Proprietor: Which Should You Choose in 2026?](https://personalprofitability.com/llc-vs-sole-proprietor/) - LLC vs sole proprietor: a sole proprietor is the free default, an LLC adds personal liability protection for a state fee. How to choose, with 2026 tax facts.
- [Home Office Deduction: How It Works for the Self-Employed (2026)](https://personalprofitability.com/home-office-deduction/) - The home office deduction lets self-employed people write off part of their home. Here's how the simplified and regular methods work in 2026, with IRS rules.
- [SEP IRA vs Solo 401k: Which Is Better in 2026?](https://personalprofitability.com/sep-ira-vs-solo-401k/) - SEP IRA vs Solo 401k for the self-employed: a Solo 401(k) often lets you save more, a SEP is simpler. See the 2026 limits and how to choose.
- [How to Pay Quarterly Estimated Taxes (2026 Guide)](https://personalprofitability.com/how-to-pay-quarterly-estimated-taxes/) - How to pay quarterly estimated taxes in 2026: who owes them, the four IRS due dates, how much to send each quarter, and the fastest free ways to pay.
- [Emergency Funds 101: Everything You Need to Know](https://personalprofitability.com/emergency-funds/) - You’ve likely heard of the idiom that we should all prepare for a rainy day, right? But what does it mean to create an emergency fund?
- [Save Money at Home: 19 Easy Ways to Cut Costs](https://personalprofitability.com/save-money-at-home/) - Here are some easy strategies to reduce your costs without leaving the house (and potentially even your couch).
- [Reach Inbox Zero and Conquer Your Email with Zero Inbox Week](https://personalprofitability.com/inbox-zero/) - Say goodbye to inbox clutter with Zero Inbox Week. Go to inbox zero and become an inbox hero in this free one-week course. Learn more at Zero Inbox Week.
- [How To Choose a Credit Card: What You Need To Know](https://personalprofitability.com/how-to-choose-a-credit-card/) - Thinking about adding some more plastic to your wallet? Here’s what you need to know to about how to choose a credit card!
- [22 Unique Ways to Save Money and Boost Your Budget](https://personalprofitability.com/22-unique-ways-to-save/) - Here are some unusual ways that you can cut costs and boost your budget to achieve your financial goals more quickly!
- [Car Insurance: How To Save Money and Stay Safe on the Road](https://personalprofitability.com/car-insurance/) - How can you get the best car insurance for your needs without breaking the bank? Here’s how to save money while staying safe on the road.
- [Money and Dating: How To Navigate Finances While Pursuing Romance](https://personalprofitability.com/money-and-dating/) - Money and dating can be tricky to navigate. Here's the scoop on how to handle money and dating like an expert.
- [Loan Questions: Important Answers To Know Before Getting a Loan](https://personalprofitability.com/loan-questions/) - What should you know before looking for a new loan? We answer some common loan questions to help you begin your financing journey.
- [Saving Money: How to Create Savings Habits and Goals](https://personalprofitability.com/saving-money/) - How can you make saving money a habit? What goals should you set? And can saving help you get rich (albeit slowly)? Spoiler alert: the answer is YES.
- [Automate Your Finances: How To Simplify Managing Your Money](https://personalprofitability.com/automate-your-finances/) - Knowing how to automate your finances can simplify managing your money. Here’s what you should know to make money management simpler!
- [Wedding Gifts: How To Give Without Busting Your Budget](https://personalprofitability.com/wedding-gifts/) - There are ways to make sure buying wedding gifts won't’t drain your budget. Here’s how to give a gift to the happy couple without breaking the bank.
- [Protect Your Finances: 10 Ways to Safeguard Your Money](https://personalprofitability.com/protect-your-finances/) - How can you keep your money safe while growing your wealth? Here are some key strategies you can implement today to protect your finances.
- [Buying a Car: Steer Your Finances in the Right Direction](https://personalprofitability.com/buying-a-car/) - Buying a car is an inevitable part of life. Here's what you need to know so that you can get on the road without breaking the bank.
- [Retail Arbitrage 101: How to Make Money Reselling Items Online](https://personalprofitability.com/retail-arbitrage/) - What is retail arbitrage, and how can you make money doing it? Here’s everything you need to know to get started with this side hustle!
- [Using Credit Cards: How To Swipe Like an Expert](https://personalprofitability.com/using-credit-cards/) - Credit cards feature prominently on the financial spectrum of tools and resources. Here's how you can start using credit cards like a pro!
- [How To Start a Website: Strategies You Need To Succeed](https://personalprofitability.com/start-a-website/) - It can be overwhelming to create a website if you don’t know how to make one or ensure its success. Here's what you should know about how to start a website.
- [Become A Landlord: How To Buy And Manage Properties](https://personalprofitability.com/become-a-landlord/) - From finding a property to profiting to avoiding headaches and more, here's everything you need to know if you want to become a landlord.
- [From Side Hustle To Full Time: Should You Make the Switch?](https://personalprofitability.com/side-hustle-to-full-time/) - Here’s everything you need to know about making the change from side hustle to full-time entrepreneur!
- [20 Must-Have Apps To Better Your Life](https://personalprofitability.com/must-have-apps/) - These must-have apps can help you achieve your goals by encouraging you to stay on top of your finances and continue to run your life responsibly.
- [Insurance Basics: What You Need To Know Before You Shop](https://personalprofitability.com/insurance-basics/) - Insurance is a complex topic, but it is critical to safeguarding your financial health. Here's what to know before you start shopping for coverage.
- [22 Expert Ways To Save Money on Groceries](https://personalprofitability.com/save-money-on-groceries/) - Prices are rising at grocery stores. From planning to saving before you even get to the market and more, here’s how you can save money on groceries.
- [11 Pro Money Moves to Start Your Year Off Right](https://personalprofitability.com/pro-money-moves/) - A new year means a chance to make changes! If you want to set yourself up for financial success this year, here are some pro money moves you need to make today.
- [The Complete Guide to Successful New Year’s Resolutions](https://personalprofitability.com/new-years-resolutions/) - The new year is almost here! If you want to successfully set and achieve your New Year’s resolutions, here’s what you need to know!
- [Debt Addiction: How To Move Forward](https://personalprofitability.com/debt-addiction-how-to-move-forward/) - Debt addiction is a real and serious problem for many consumers. Learn the signs of debt addiction, strategies to stop spending, and resources to help.
- [Nine Tips for a Better Vacation](https://personalprofitability.com/nine-tips-for-a-better-vacation/) - Make your next vacation memorable with a little bit of planning and a whole lot of dreaming. Check out these nine tips to get the most out of your next trip.
- [Banking 101: A Beginner's Guide](https://personalprofitability.com/banking-101-a-beginners-guide/) - Banks offer customers many financial services, including accounts, loans, and more. Learn about which type of banking is right for you.
- [Seven Easy Ways to Save Money Fast](https://personalprofitability.com/seven-easy-ways-to-save-money-fast/) - Are you wanting to save money fast? Check out these seven simple tips to change your mindset, trim your expenses, and build your savings right away.
- [Credit Scores: The Complete Beginner Guide](https://personalprofitability.com/credit-score/) - Credit scores are the most important financial metric you have. Learn how your credit score works and how to improve your credit score.
- [6 Ways to Make Your Online Business Profitable, Fast](https://personalprofitability.com/6-ways-to-make-your-online-business-profitable-fast/) - Making your online business profitable is not as hard as you may think. We will discuss the six best ways to make your online business more profitable.
- [The Complete Beginner Guide to Coupons](https://personalprofitability.com/coupons/) - Coupons can help you save big when shopping online or in stores. Follow this guide to coupons to learn some of the quickest and easiest ways to save.
- [Loan Consolidation: Complete Beginners Guide](https://personalprofitability.com/the-basics-of-loan-consolidation/) - Want to create a debt management plan? Read on to learn about the basics of loan consolidation and other interest-saving alternatives that could help you.
- [ConvertKit Review - Email Marketing for the Modern Blogger](https://personalprofitability.com/convertkit-review/) - See behind the scenes in this ConvertKit review. Watch a video and read how to switch, along with benefits and limitations in my ConvertKit review.
- [PPP023: Build a Business Website That Makes You Money](https://personalprofitability.com/episode23/) - This week I go solo and tell you about the most important features for any business website. If you are trying to start earning income on the side, or are a long time veteran looking to earn more, make sure you are following these tips to earn more and increase your online conversions. Resources Mentioned
- [Picking Your First Investment](https://personalprofitability.com/picking-your-first-investment/) - There are so many investment products with various levels of risk. Learning to identify good investments is essential when picking your first investment.
- [How I Turned a Layoff into a $6,000 Raise](https://personalprofitability.com/how-i-turned-a-layoff-into-a-raise/) - I’ll never forget the morning that I found out my old company would be acquired by a competitor in Louisiana.
- [What Is Collective And Why Is It Unique?](https://personalprofitability.com/what-is-collective-and-why-is-it-unique/) - If you’re a solopreneur or small business owner, Collective can help you with back-office tasks like payroll, administration, and taxes.
- [Automate Your Account Tracking](https://personalprofitability.com/automate-your-account-tracking/) - Track your accounts and statements should be simple. I use free tools to keep my accounts organized, and they only take a few minutes to setup.
- [Mint Alternative: Mint.com vs. Empower](https://personalprofitability.com/mint-alternative-mint-com-vs-personal-capital/) - Enjoy this in depth review of personal finance sites Mint.com and Mint alternative Empower. Learn how to track your budget and investments online.
- [What Do You Need to Know About Your Company's 401(k) Plan?](https://personalprofitability.com/company-401k-plan/) - Have you ever dug into your company's 401(k) plan? Do you have any idea how much you are being charged in fees? They might be large and costing your money.
- [The Complete Beginner Guide to Personal Financial Statements](https://personalprofitability.com/personal-financial-statements/) - Personal financial statements help you run your money like a business. Follow along with this guide to personal financial statements to get profitable.
- [Complete Beginner Guide to Taxes](https://personalprofitability.com/taxes/) - Understanding how taxes work is vital for financial success. In this guide, learn how to organize your taxes, maximize tax deductions, and much more!
- [How to Deal with Money Between Jobs](https://personalprofitability.com/how-to-bridge-a-financial-gap-between-jobs/) - The search for a new job can be stressful, especially if you've got bills to pay and a family to look after. How to deal with your money between jobs.
- [Mint Alternatives: The Best Alternatives to Mint.com](https://personalprofitability.com/mint-alternatives/) - If you're looking for an alternative to Mint.com, here's a list of personal finance management tools. Find a list of the best free Mint Alternatives here.
- [Mint.com Alternative: PageOnce vs. Mint.com](https://personalprofitability.com/mint-com-alternative-pageonce-the-showdown/) - The battle of the financial aggregators continues. Today, we look at another alternative to these services, PageOnce, and compare it with leader Mint.
- [Mint.com Alternative: Adaptu vs. Mint.com](https://personalprofitability.com/mint-adaptu/) - Today, I compare startup Adaptu with industry leader Mint.com. Is this Mint alternative right for you?
- [Holiday Spending Hangover](https://personalprofitability.com/holiday-spending-hangover/) - As Christmas is over and Chanukah is slowly waning away, people around the world are enjoying new video games, toys, electronics, jewelry, and other presents from their friends and family.
- [Why I Don't Balance My Checkbook](https://personalprofitability.com/balance-checkbook/) - We have been told that we need to balance our checkbooks for decades. We think we are protecting ourselves from overdrafts and unauthorized transactions. That is true, but there are better ways to do all of that.
- [How to Avoid Missing Payments](https://personalprofitability.com/how-to-avoid-missing-payments/) - Even I have had a missed payment scare. Lucky for me, I was still in my grace period and was able to get the payment in on time. However, there are a lot of great tools that will take the guess work out and ensure you get things in on time.
- [How to Prepare for Disasters](https://personalprofitability.com/prepare-for-disasters/) - We never think we'll have a worst case scenario, but we need to plan for the worst and have a plan in case we find ourselves in an unexpected tragedy.
- [5 Best Mobile Apps to Save You Money](https://personalprofitability.com/5-best-mobile-apps-to-save-you-money/) - For most of us, our smart phones are only a money drain. We pay at least $40 per month, on a family plan, or up to hundreds per month for unlimited plans, to get our calls and internet wherever we are. We can use those phones, though, to save us money. Here are my favorite free money saving apps.
- [Why I Pay My Credit Card Twice Per Month](https://personalprofitability.com/why-i-pay-my-credit-card-twice-per/) - I started bi-monthly credit card payments when I got my first job out of college, and quickly found it to be the best way for to handle credit card bills.
- [Save Money on Your Investments](https://personalprofitability.com/save-money-on-your-investments/) - Over time, I have moved more toward investing in ETFs and mutual funds so I don’t have to worry as much about my money. With that change, though, came new costs and fees that I have to manage.
- [Combine and Simplify Your Accounts to Save Time, Money, and Headache](https://personalprofitability.com/combine-and-simplify-your-accounts-to-save-time-money-and-headache/) - Here are some reasons and tips to help you consolidate your accounts down to only the ones you actually need and use.
- [Am I Taking Advantage of all the Benefit Plans My Employer Offers?](https://personalprofitability.com/am-i-taking-advantage-of-all-the-benefit-plans-my-employer-offers/) - We can make plans for side-income and income from hobbies all day, but unless we are self-employed full time, our employer is the source of our primary income. Your employer often gives you a lot more than that. Make sure you are taking full advantage.
- [Don’t Be Perpetually Broke](https://personalprofitability.com/dont-be-perpetually-broke/) - Everyone has a friend that is perpetually broke. I know at least a few people who can never seem to afford to do anything with me. It is important to use your money wisely and keep to a budget, but don’t let money get in the way of relationships with your friends and family.
- [Finance Basics: What is a Savings Account and How Should I Use It?](https://personalprofitability.com/finance-basics-what-is-a-savings-account-and-how-should-i-use-it/) - Savings accounts are a great option for keeping some cash on hand for easy access, but many people treat their savings too much like an investment or a checking account. Here are the important things to know about savings accounts, how to use them, and how to not use them.
- [How to Save for Retirement if Your Company Doesn’t Offer a 401(k)](https://personalprofitability.com/how-to-save-for-retirement-if-your-company-doesnt-offer-a-401k/) - Everyone gets excited when they start a new job. New opportunities, new challenges, and new retirement plans. Unless there are not… Some jobs don’t offer a 401(k) or other type of retirement plan, but it is still very important to save for your future even if your employer is not helping.
- [What is a Diversified Portfolio and How can I Build One?](https://personalprofitability.com/what-is-a-diversified-portfolio-and-how-can-i-build-one/) - Investment “experts” always tout the importance of a diversified portfolio. Today I am going to explain exactly what that means and how you can build your own diversified portfolio without paying an “expert” to do it for you.
- [Rolling Over Your Old 401(k)](https://personalprofitability.com/rolling-over-your-old-401k/) - If you have any financial accounts anywhere, you have probably read about rolling over you old 401(k) retirement account to a new company that will "charge less" and help you "earn more." While I am a big fan of moving an old retirement account when you leave an employer, it is important to take your time and make an educated decision.
- [Important Investment Accounts You Should Have](https://personalprofitability.com/important-investment-accounts-you-should-have/) - Getting started with investing can be intimating, but it doesn’t have to be. If you start with one of the basic types of investment accounts, you have the right foundation to save for your future.
- [Four Free Tools I Use to Make Life Simpler](https://personalprofitability.com/four-free-tools-i-use-to-make-life-simpler/) - I often share cool ideas to save you time and money, but they are usually very topic oriented. Here is a list of my top four free tools to bring everything to one place to save you time, money, and headache.
- [Take an Account Inventory](https://personalprofitability.com/take-an-account-inventory/) - One of the most basic parts of personal finance is managing your financial accounts. Your bank accounts, investment accounts, retirement accounts, and credit and debt accounts come together to make up your financial picture.
- [How to Create Your First Budget](https://personalprofitability.com/how-to-create-your-first-budget/) - Your first budget is an important milestone when trying to take control of your finances. A budget is your own self enforced spending plan broken out by category. Here is a basic guide to get you started.
- [Create a Basic Retirement Plan](https://personalprofitability.com/create-a-basic-retirement-plan/) - Most personal finance experts agree that you will need about 80% of your monthly income replaced during retirement. To make that possible, it is important to save and invest throughout your working life. Want to know where to get started? Read on.
- [February 2014 Earnings and Investments Update](https://personalprofitability.com/february-2014-earnings-and-investments-update/) - Happy February friends! This month has always had a soft spot in my heart because of my birthday, which is tomorrow! I'm nearing the end of my time as a twentysomething blogger, but looking back at all of the posts I have written since the blog was born on October 7th, 2008, I am thrilled with how far we've come together.
- [3 Simple Ways to Manage Your Finances Online](https://personalprofitability.com/3-simple-ways-manage-your-finances/) - It can be difficult to manage your finances, but with the use of a good tool or two you can stay on top of your finances and help maximize your money.
- [March 2014 Earnings and Investments Update](https://personalprofitability.com/march-2014-earnings-and-investments-update/) - I just returned from the first of my wedding related trips, this one to Santa Barbara, and I'm excited for the adventures ahead. I just shared a new post on travel hacking, and have to say I'm loving some of the recent benefits, like waiting for my flight in the United Club lounge instead of at the gate.
- [10 Identity Theft Tips For Smart People](https://personalprofitability.com/identity-theft-tips/) - Identity theft is on the rise in the United States. According to the IRS, 2013 saw record levels of identity theft. Almost all of us know someone who has had their identity stolen. Follow these ten tips to stay smart and keep your identity to yourself.
- [April 2014 Earnings and Investments Update](https://personalprofitability.com/april-2014-earnings-and-investments-update/) - Hope everyone is having a great April so far. You are catching me right in the middle of one of the busiest travel times in my entire life. Never fear, I never forget about my favorite people, the readers of Narrow Bridge Finance. I have lots of goodies for you below.
- [May 2014 Earnings and Investments Update](https://personalprofitability.com/may-2014-earnings-and-investments-update/) - Happy May everyone. It feels like summer is on the way! I might be a little over excited about this month, though. I am getting married in two weeks!
- [Manilla Alternatives – Free Replacement Digital File Cabinets](https://personalprofitability.com/manilla-alternatives-free-digital-file-cabinets-and-analysis-tools/) - My favorite online filing cabinet Manilla is officially closing its doors, so it is time for us to find other options for our online money tracking needs. Here are a few other great options that you can use to fill the gap.
- [June 2014 Earnings and Investments Update](https://personalprofitability.com/june-2014-earnings-and-investments-update/) - I'm Married! That and other big news below this this month's awesome earning and net worth update.
- [July 2014 Earnings and Investments Update](https://personalprofitability.com/july-2014-earnings-investments-update/) - I'm an uncle! That is two big months in a row! Married in May, uncle in June. I think I might take it easy on family changes this month.
- [August 2014 Earnings and Investments Update](https://personalprofitability.com/august-2014-earnings-investments-update/) - We are spending time with friends and family. And, on top of that, with the great weather we can drink beer on patios.
- [September 2014 Earnings and Investments Update](https://personalprofitability.com/september-2014-earnings-investments-update/) - What a busy month this has been. I have a lot to share with you. I took a long trip, started a new job, and have pivoted some of my business strategies.
- [October 2014 Earnings and Investments Update](https://personalprofitability.com/october-2014-earnings-investments-update/) - Fall is falling, the weather is changing, and there is plenty of money to be made and saved! I've been at my new job for about a month now (expect a few more stories about the transition in the next month or so) and I'm still keeping at the side income streams, with a little
- [November 2014 Earnings and Investments Update](https://personalprofitability.com/november-2014-earnings-investments-update/) - Happy turkey month everyone! I hope you had a fun Halloween and are charging into the new month full steam. I have some personal financial news to share and want to give you guys a preview of a new project I'm cooking up. What’s Eric Up To Nearly a year ago, I packed up and
- [December 2014 Earnings and Investments Update](https://personalprofitability.com/december-2014-earnings-investments-update/) - Did I make my $2,500 side income goal in November? Read to find out and see an in-depth view of my investments and discover home purchase story.
- [FutureAdvisor Review: Is a Robo Advisor Right For You?](https://personalprofitability.com/future-advisor/) - If you are interested in getting a serious breakdown of your portfolio and retirement with free investment advice, you may be interested in FutureAdvisor.
- [January 2015 Earnings and Investments Update](https://personalprofitability.com/january-2015-earnings-investments-update/) - Happy New Years! I hope you all had a fun time bringing in 2015. But before that, let's see how my side income and investments fared December.
- [How to Get Approved for a Mortgage](https://personalprofitability.com/get-approved-for-a-mortgage/) - I could not have bought such a great home without a mortgage, similar to many other young professionals. Read the secret to getting approved for a mortgage.
- [February 2015 Earnings, Investments, and 30th Birthday Update](https://personalprofitability.com/february-2015-earnings-investments/) - A recap of my monthly online earnings and investments performance, and a special note for my 30th birthday and celebration in Las Vegas!
- [March 2015 Earnings and Investments Update](https://personalprofitability.com/march-2015-earnings-and-investments-update/) - Happy March everyone! Spring is on the horizon and I have so many travels and adventures coming up as well. Join me as we decode my February online earnings, investment performance, and tips on joining in on the profits and fun. What’s Eric Up To Just a month ago I turned 30, and now I'm
- [April 2015 Earnings and Investments Update](https://personalprofitability.com/april-2015-earnings-and-investments-update/) - Hello Personal Profitability readers, I hope everyone had a great Easter or Passover this weekend if you were celebrating, or just enjoyed the weekend if you were not. I had an amazing March, and worked harder than ever before. Let's see how the cookie crumbled. What’s Eric Up To I am writing this blog post
- [May 2015 Earnings and Investments Update](https://personalprofitability.com/may-2015-earnings-and-investments-update/) - I just returned from an amazing two weeks visiting Spain, Gibraltar, and Portugal! Now I'm back and energized and I'm ready to rock and roll!
- [Visiting Spain, Gibraltar, and Portugal on a Budget](https://personalprofitability.com/visiting-spain-gibraltar-portugal-on-a-budget/) - If you are interested in visiting Spain, Gibraltar, or Portugal, or all three, check out how I did it and saved big on travel and hotels.
- [June 2015 Earnings and Investments Update](https://personalprofitability.com/june-2015-earnings-and-investments-update/) - A month after my big Europe trip things are getting back to normal, which means busy and hard at work. I am nearing launching a new project in addition to my regular side income projects. Read on to find out what I have up my sleeve. What I'm Up To In my latest email newsletter I
- [July 2015 Earnings and Investments Update](https://personalprofitability.com/july-2015-earnings-and-investments-update/) - Happy July everyone! I hope those of you in the United States had a fun time celebrating Independence Day, and that Canadian readers had a great Canada Day last week. I'm writing this in the midst of a ton of travel, and for the first time in a while I'm looking forward to NOT traveling
- [PPP014: I'm Eric and I'm a Part-Time Freelancer](https://personalprofitability.com/episode14/) - Learn how I went from $0 to $30,000 per year on the side freelancing and get actionable, concrete steps you can take to do the same through freelancing.
- [August 2015 Earnings and Investments Update](https://personalprofitability.com/august-2015-earnings-and-investments-update/) - See how much I earned online in July, how my investments have performed over the last quarter, and more in my August investments and earnings review.
- [The Unbudgeted Budget for Savvy Spenders](https://personalprofitability.com/unbudgeted-budget-savvy-spenders/) - Unless you are a rare finance geek like me, you probably do not find any joy in budgeting. If you are a savvy spender, you might not need a complex budget.
- [PPP017: I'm Deacon and I Paid Off $52,000 in Debt](https://personalprofitability.com/episode17/) - Today we welcome guest Deacon Hayes, a personal finance blogger who budgeted his way out of $52,000 in debt in 18 months and became an online entrepreneur.
- [September 2015 Earnings and Investments Update](https://personalprofitability.com/september-2015-earnings-and-investments-update/) - I've started pilot lessons, which are a quite an expense to budget for. See how I make money online and pay for it in this month's update.
- [Balancing Your Checkbook: A Waste of Time](https://personalprofitability.com/why-balancing-your-checkbook-is-a-waste-of-time/) - Balancing your checkbooks used to be a requirement for good financial management. Balancing your checkbook is officially dead thanks to new technology.
- [October 2015 Earnings and Investments Update](https://personalprofitability.com/october-2015-earnings-and-investments-update/) - This is going to be a big month. My first solo flight as a pilot, becoming a Dad, and still making time for online income!
- [Emergency Fund: Commitment to Savings](https://personalprofitability.com/emergency-fund/) - An emergency fund is a savings account that you can use in a worst case scenario. Here are tips to start an emergency fund and ideas on where to keep it.
- [November 2015 Earnings and Investments Update](https://personalprofitability.com/november-2015-earnings-and-investments-update/) - I have big news. I'm a dad! What I’m Up To I am sitting next to my wife and three-day-old daughter. Mom and baby are healthy and happy. Keeping this month's update short so I can spend more time with my growing family. Side Business Income Narrow Bridge Media – All Blogs and Online Activities We
- [December 2015 Earnings and Investments Update](https://personalprofitability.com/december-2015-earnings-investments-update/) - With a month of fatherhood under my belt, I'm clearly an expert, err, getting the hang of it, umm, have kept my daughter alive. Even with the cost of a whole bunch of diapers, our net worth is on the way up and I had great online income. Here's how the cookie crumbled in November. What I’m Up
- [January 2016 Earnings and Investments Update](https://personalprofitability.com/january-2016-earnings-investments-update/) - Three... Two... One... Happy New Year! I hope your 2016 is off to an amazing start so far, and that you're on track for your best year yet. Here's how things shook out for my December, and a taste of what I'm working on for the year ahead. What I’m Up To My record time without
- [February 2016 Earnings and Investments Update](https://personalprofitability.com/february-2016-earnings-investments-update/) - It's February! We are already almost 10% of the way through the year. Are your side hustles coming along as well as expected? Here's how my January went, and some new plans for 2016. What I’m Up To January had me as busy as any month I can remember, though not all work and not all
- [March 2016 Earnings and Investments Update](https://personalprofitability.com/march-2016-earnings-and-investments-update/) - I have some big news from the most recent podcast episode to share. I'm leaving my day job to go full-time online, and we're moving to California!
- [April 2016 Earnings and Investments Update](https://personalprofitability.com/april-2016-earnings-investments-update/) - This is my last week working full-time for someone else! Friday is my last day with my day job, and I'll be working online full-time starting next week! Here's how my last month of dual employment went, and what I have planned for the near future. What I’m Up To The saying goes, when it rains, it
- [May 2016 Earnings and Investments Update](https://personalprofitability.com/may-2016-earnings-investments-update/) - I hope your May is off to a profitable start! I'm writing today from London, where I am on a work and touring trip to celebrate my leap to self-employment and being able to work anywhere in the world. Tomorrow I head to Paris, but before I go it is time for the monthly earnings
- [June 2016 Earnings and Investments Update](https://personalprofitability.com/june-2016-earnings-and-investments-update/) - See exactly how much my business earned in May, how I invest, and my business plans for the coming months at this month's earnings and investments update.
- [July 2016 Earnings and Investments Update](https://personalprofitability.com/july-2016-earnings-and-investments-update/) - Summer is in full swing and I recently passed my three month anniversary as a full-time online freelancer. I have seen fun, the unexpected, and hard work.
- [August 2016 Earnings and Investments Update](https://personalprofitability.com/august-2016-earnings-and-investments-update/) - Summer is nearing its end, as is the online summer lull. See how I did this month and my plans for upcoming online income in my monthly earnings update.
- [PPP043: I'm David Rubenstein and I Can Help With Your Credit](https://personalprofitability.com/episode43/) - David Rubenstein started his career as a big firm lawyer, but decided that life wasn't for him. He now works for himself. Learn how in this week's episode.
- [PPP045: I'm Thomas Smyth and I Founded Trim](https://personalprofitability.com/episode45/) - It sucks to pay for services you don't really use. That is why Thomas founded Trim, a service that helps you cancel services you pay for but don't use.
- [PPP064: Excelling in Investments with Todd Tresidder](https://personalprofitability.com/episode64/) - Todd Tresidder is the man behind The Financial Mentor. He has decades of experience coaching people on how to invest and improve their finances.
- [PPP065: Micro Real Estate Investments with Clayton Morris](https://personalprofitability.com/episode65/) - Clayton Morris is a real estate investor with a focus on low-cost properties. With as little as $40,000, you can get your feet wet as a property investor.
- [PPP066: Mobile Home Investing with Jefferson Lilly](https://personalprofitability.com/episode66/) - Jefferson Lilly knows how to turn a $5,000 investment into a profit: trailer parks. If you want to start a side hustle, consider mobile home investing!
- [PPP067: Leaving Your Job with Erica Mandy](https://personalprofitability.com/episode67/) - Erica Mandy spent a decade building a career in TV news. She just quit that career path to go full-time on her own as an online entrepreneur and podcaster.
- [PPP068: Financial Freedom through Writing with Dave Chesson](https://personalprofitability.com/episode68/) - Dave Chesson is the Kindleprenuer. He helps people create niche websites and turn them into Kindle books for big online income. Learn more in this episode.
- [PPP069: The Wild West of Personal Finance Blogging with Jim Wang](https://personalprofitability.com/episode69/) - Jim Wang founded Bargaineering before later selling it for seven figures. He has build several businesses since, including his newest blog Wallet Hacks.
- [PPP070: Raising Capital and Funding Hollywood with Matthew Helderman](https://personalprofitability.com/episode70/) - Matthew Helderman founded Buffalo 8 productions and BondIt Media Capital. Today we talk about the journey of starting a business and unique challenges.
- [PPP071: Investing Outside of Wall Street with Buck Joffrey](https://personalprofitability.com/episode71/) - Buck Joffrey is a brain surgeon turned investor. This serial entrepreneur and author shares great lessons on managing money and the business of you.
- [PPP082: Reaching Financial Freedom with Jamila Souffrant](https://personalprofitability.com/episode82/) - In this episode, we're talking with Jamila Souffrant, founder of JourneyToLaunch.com, a site dedicated to helping people reach financial freedom.
- [PPP125: Breaking Down the September 2018 Income Report](https://personalprofitability.com/episode125/) - We're breaking down how I earned over $18,000 in my September 2018 income report. Find out how I save money on business expenses!
- [The Complete Beginner Guide to Budgeting](https://personalprofitability.com/complete-beginner-guide-to-budgeting/) - This guide to budgeting for beginners will get you started on the path to personal finance success. Check out some useful money tips here!
- [The Stock Market: The Complete Beginner Guide](https://personalprofitability.com/stock-market/) - The stock market is one of the biggest sources of wealth in modern times. Understanding how to invest in the stock market is important for your finances.
- [Tools to Manage Your Finances with the Least Work Possible](https://personalprofitability.com/tools-to-manage-your-finances-with-the-least-work-possible/) - Learn about free tools you can use to manage your finances. They help with investments, bank accounts, credit cards, and other personal finances.
- [How to Pay for the Things You Want While Paying Off Debt](https://personalprofitability.com/pay-for-things-want-paying-off-debt/) - You can be responsible while paying off debt and still enjoy life. Here are some tips on how to spend wisely and make some fun purchases while you're at it.
- [Finance Basics: What is a Checking Account and How Should I Use It?](https://personalprofitability.com/checking-account/) - A checking account is the most basic personal finance tool, and it's important to understand how it works, how to use it, and how not to use it.
- [The Complete Guide to Heartbreak: 10 Rules to Get Over It and Move On](https://personalprofitability.com/the-complete-guide-to-heartbreak-10-rules-to-get-over-it-and-move-on/) - I generally say little about my personal life on this site. However, I have recently been through an experience that I finally feel up to talking about.
- [What is Inflation and How Does it Impact Me?](https://personalprofitability.com/what-is-inflation-and-how-does-it-impact-me/) - Has your grandparent ever told about the good old days when you could buy a gallon of gas for a quarter? A good meal at a restaurant was $2.00. Do you wonder where those prices went? Inflation.
- [What to Do With a Pocketful of Ruined Money](https://personalprofitability.com/what-to-do-with-a-pocketful-of-ruined-money/) - What happens when you forget to take a wad of money out of your pocket and it becomes a clump of paper after going through the wash? How about if you accidentally drop your wallet in the campfire? The money may seem ruined, but the Department of the Treasury has a program to get you your money back at no charge.
- [How to Start a Blog that Doesn't Suck](https://personalprofitability.com/how-to-start-a-blog-that-doesnt-suck/) - I am excited to share with you the awesome video of me telling Denver how to start a blog that doesn't suck.
- [What To Know About Forex Trading](https://personalprofitability.com/how-does-forex-trading-work/) - Forex trading, also known as foreign currency trading, can be a lucrative hobby for those interested in putting in the time and effort. Get started here.
- [I'll See You In Omaha, Mr. Buffett](https://personalprofitability.com/ill-see-you-in-omaha-mr-buffett/) - I am a big fan of Warren Buffett. I like his style. One of my dreams has always been to see him in person.
- [Colorado Payday Loan Legislation](https://personalprofitability.com/colorado-payday-loan-legislation/) - As you may have picked up in the past, I am not a big fan of predatory loans that charge 400% APY. The only companies that do this are in the infamous payday loan and check cashing industry.
- [How I Make Money Online: Successes and Failures (Part 2)](https://personalprofitability.com/how-i-make-money-online-successes-and-failures-part-2/) - I have tried my best at finding opportunities to make money online. After a handful of methods, some have worked out while others have not quite paid off.
- [Personal Finance Bloggers to Watch in 2010](https://personalprofitability.com/personal-finance-bloggers-to-watch-in-2010/) - While many huge sites post link roundups pointing to other huge sites, some of the best advice comes from up and coming finance bloggers.
- [Microfinance: Invest in Someone's Future](https://personalprofitability.com/microfinance-invest-in-someones-future/) - If you are a fan of peer to peer lending, you might be interested in microfinance. Microfinance is a type of lending designed to help people in poor communities around the world start a small scale business that can completely change their standard of living.
- [Career Transition Guide - Find a New Job, Get It, Leave Gracefully, and Kick Ass In Your New Job](https://personalprofitability.com/career-transition-guide-find-a-new-job-get-it-leave-gracefully-and-kick-ass-in-your-new-job/) - Need a career change but not sure where to start? Here's your complete guide on how to find a job and transition from your old job to your new one!
- [How to Save Money without Sacrificing Your Soul](https://personalprofitability.com/how-to-save-money/) - Learn how to save money without sacrificing your soul using these three simple steps: spend on your values, automate savings, and make it a game.
- [A Micro Analysis of a Single Layoff](https://personalprofitability.com/a-micro-analysis-of-a-single-layoff/) - A single layoff is a scary situation for both employer and employee, although the term brings a different sense of fear for each entity.
- [The Philanthropy of Sports Franchise Owners and Teams During COVID-19](https://personalprofitability.com/the-philanthropy-of-sports-franchise-owners-and-teams-during-covid-19/) - Let's talk generosity and philanthropy. Here is the shortlist of players, teams, and owners that are making a financial contribution to COVID-19 relief efforts.
- [How to Use Compound Interest to Your Advantage and Build Wealth](https://personalprofitability.com/compound-interest/) - While compound interest can be problematic (say, a high credit card balance), you can use this to your advantage and build wealth.
- [My Tips in a Recession](https://personalprofitability.com/my-tips-in-recession/) - Everyone keeps talking about how the economy is so bad and there is a big recession and the world is going to end. I would not say it is quite an apocalypse. All of the hype is half of the cause of problems. I don't think we are in a traditional recession, I think we
- [An Interesting Economy](https://personalprofitability.com/interesting-economy/) - I have been fascinated by the nation of Sealand since I heard of it a few years back. Officially the Principality of Sealand, this country is an unrecognized nation off of the coast of the United Kingdom. The nation is listed as 500 square meters in size and the entire area of the nation is
- [Leasing vs. Buying](https://personalprofitability.com/leasing-vs-buying/) - At some point, you are probably going to need a new car. For young people, this is usually the first major purchase (thousands of dollars) that you will make. You have three options: Buy in cash, lease, or buy with a loan. The best option is to just buy the car outright in cash. This
- [My Automated Plan](https://personalprofitability.com/my-automated-plan/) - I keep telling you how you should invest, stop spending, and do more for yourself financially. I can not justify doing so without doing so myself. I want you all to see how I am doing it today. That is my breakdown. You might note that I did not include a budget for my living,
- [Why You Need to Make Passive Income Stat](https://personalprofitability.com/passive-income-stat/) - Join passive income expert Deacon Hayes in this guest article sharing the importance of building a passive income to supplement your day job.
- [Never Underestimate the Power of Refinancing Your Mortgage](https://personalprofitability.com/never-underestimate-the-power-of-refinancing-your-mortgage/) - Here’s a look at how refinancing saved me money and how Refily can put you on track to finding a lender who could help you see if you could save by refinancing.
- [The Challenges of Trying to Get Ahead](https://personalprofitability.com/the-challenges-of-trying-to-get-ahead/) - Getting ahead financially is not easy, but with hard work and good planning, there is nothing holding you back from success when trying to get ahead.
- [Your Cover to Cover Guide on Benefiting from Credit Cards](https://personalprofitability.com/cover-cover-guide-benefiting-credit-cards/) - This post comes from a Personal Profitability partner. Money matters for many reasons. For one thing, money is closely associated with security, stability, and independence. Without it, it’s near impossible to plan with any degree of certainty. Credit cards feature prominently on the financial spectrum of tools, resources and options. An article published in the
- [How to Cut Your Monthly Expenses](https://personalprofitability.com/cut-your-monthly-expenses/) - Do you want to cut your monthly expenses? It's not difficult, but you might have to think outside the box to save some money!
- [How to Prepare For a Rainy Day](https://personalprofitability.com/how-to-prepare-for-a-rainy-day/) - Don't wait to save money. You never know when a financial emergency will come up and you'll need funds ASAP. Here's how to prepare for a rainy day.
- [4 Signs You Are Ready to Start Your Own Business](https://personalprofitability.com/4-signs-you-are-ready-to-start-your-own-business/) - Small business ownership has its perks, but being an entrepreneur isn't for everybody. Here are 4 signs you're ready to start your own business.
- [How IPOs Work: From Startup to Initial Public Offering](https://personalprofitability.com/how-ipos-work-from-startup-to-initial-public-offering/) - Startup companies take a lot of steps to reach their initial public offering and trade on the stock market. Here's how IPOs work. From startup to IPO.
- [How to Find Your Money-Making Rental Property](https://personalprofitability.com/money-making-rental-property/) - Interested in buying rental property for additional income? Here are some tips on finding the right piece of real estate to invest in.
- [How To Become a CFO](https://personalprofitability.com/how-to-become-a-cfo/) - For students or professionals interested in finance, it may be difficult to ascertain which career path to pursue. After all, the world of business and finance is a broad one. One of the most respected roles in this arena is that of a chief financial officer. While you may hear or read about the feats
- [PPP127: 5 Ways Mastermind Groups Can Help Your Money](https://personalprofitability.com/episode127/) - Find out why a mastermind group is great for anyone who wants a support team to give you new ideas, hold you accountable, and help you make more money!
- [Protect Your Credit After Losing Your Job](https://personalprofitability.com/protect-your-credit-after-losing-your-job/) - Suddenly losing your job may make your life and daily routine change drastically. If you're unemployed, you may also wonder how this new status may impact your credit. Not having a job or income doesn't mean your credit will plummet. There are multiple strategies to use to help protect your credit and keep your financial
- [What is a PPP Loan?](https://personalprofitability.com/what-is-a-ppp-loan/) - Many people have heard of the term "PPP loan" before, but they aren't entirely sure what it actually is or who can apply for one. Fortunately, some banks and financial institutions can help you determine whether you qualify and assist you will filing out your PPP loan application when the time comes. Before you begin, however, it's
- [Give Yourself Small Rewards While Paying Off Debt](https://personalprofitability.com/small-rewards-paying-off-debt/) - Are you currently paying off debt? It might sound counterintuitive, but rewarding yourself can encourage you to lower your debt further.
- [3 Simple Tax Tips for Self-Employed People](https://personalprofitability.com/tax-tips-self-employed/) - Doing your own taxes as a self-employed individual or independent contractor presents unique challenges. Here are some tax tips to make your life easier!
- [How Long to Keep Your Taxes and Bank Statements](https://personalprofitability.com/how-long-to-keep-your-taxes-and-bank-statements/) - I have a file cabinet at home with bank statements dating back to when I opened my first checking account when I was sixteen years old. Nine years later, I wondered if I still need those bank statements. I also have every tax return I have filed, ever. Do I need those? I did some digging and found the answers.
- [Why I Started Doing My Own Taxes](https://personalprofitability.com/why-i-started-doing-my-own-taxes/) - When I was sixteen, I got a part-time job as a cashier at Target to pay for my car insurance and gas. I was lucky enough to have been given an old 1987 Plymouth Horizon by my parents, but if I wanted to drive it, I had to cover the costs. That year, I earned
- [Should You Pay Someone to Do Your Taxes?](https://personalprofitability.com/should-you-pay-someone-to-do-your-taxes/) - Preparing your own taxes does not have to be a difficult task, though if you do hire someone to prepare them make sure they fit your tax filing needs.
- [Tips for Improving Your Budget Management](https://personalprofitability.com/tips-for-improving-your-budget-management/) - Budgeting finances can understandably be complex, but it doesn’t have to be. There are many different techniques and tips for improving your budget management.
- [How Technology Can Help You Increase Your Financial Knowledge](https://personalprofitability.com/technology-can-help-increase-financial-knowledge/) - This post comes in conjunction with our friends at Fisher Investments. Whether you want to learn more about the different kinds of investments and financial strategies available or are ready to start investing for retirement, modern technology can be extremely helpful. From apps that help you track the stock market to advice from financial companies'
- [Buying Might Be Cheaper Than Renting](https://personalprofitability.com/buying-might-be-cheaper-than-renting/) - Is buying or renting real estate better? People are finding that buying a house or condo costs less per month than renting, we'll show you why in this post!
- [Your Credit Score Is More Important Than You Think](https://personalprofitability.com/credit-score-important/) - You may not be looking for a home or car, but your credit score is important for other reasons. Learn how a bad credit score can impact your life.
- [13 Ways a CPA Can Help Your Business](https://personalprofitability.com/13-ways-a-cpa-can-help-your-business/) - A CPA is an accountant who has passed the Certified Public Accountant exam and meets the qualifications to be a licensed CPA in their state. CPAs can help businesses in a variety of ways. This post comes to you in conjunction with a Personal Profitability partner. Bookkeeping Records Many businesses employ bookkeepers or use bookkeeping
- [5 Simple Ways to Make Your Spouse’s Day without Breaking the Bank](https://personalprofitability.com/5-simple-ways-make-spouses-day-without-breaking-bank/) - Doing something to make your spouse's day can make your spouse happy without having to break the bank. Here are some fun ideas to get you started.
- [Top 50 Small Things You Can Do to Save Money](https://personalprofitability.com/top-50-small-things-you-can-do-to-save/) - Here are some easy ways to save money, because frugal living starts with the small things! These tips will help keep some extra cash in your pocket.
- [Bitcoin: How I Earned an 836% Return on a Lucky Investment](https://personalprofitability.com/bitcoin-investment/) - Bitcoin is going crazy right now, and I didn't miss the crazy. I spent $105 on Bitcoin in 2015 and it grew to $1,000! Learn what I did with my Bitcoin here.
- [Never Miss a Bill Again](https://personalprofitability.com/never-miss-a-bill-again/) - Missing bill payments isn't fun. It costs money, time, and energy. Not to mention, your credit score. Here's how to make sure you never miss a bill again!
- [Starting a Small Business: From Idea to Exit Strategies](https://personalprofitability.com/starting-a-small-business/) - Owning your own business is a major life milestone, but starting a small business is no walk in the park. Learn how it all works here.
- [What to Do When You’ve Been Victim of a Data Breach](https://personalprofitability.com/data-breach/) - If you've been a victim of credit card fraud, here's what to do to prevent losses. A data breach is scary but is something you can protect yourself from.
- [How Should a High School Student Learn About Money?](https://personalprofitability.com/high-school-learn-about-money/) - It's never to early to learn about money. Here's how to get high school students started on the path to a solid financial future!
- [Is Pay Per Mile Right for Me?](https://personalprofitability.com/is-pay-per-mile-right-for-me/) - Here’s a look at exactly how pay per mile insurance works, and how it saves me money every single month compared to my old insurance policy.
- [Building My New Online Personal Brand](https://personalprofitability.com/building-new-online-personal-brand/) - If you do anything long enough, you’ll eventually reach a point where someone asks you, “if you could start over today knowing everything you know now, what would you do differently?” If I were going back in time, I may have started my online business at ericrosenberg.com. It certainly wouldn’t have been ericseconomicandpoliticalisnights.blogspot.com, which is
- [The Complete Beginner Guide to Travel Hacking](https://personalprofitability.com/complete-beginner-guide-travel-hacking/) - Do you want to start travel hacking to get the best flights and hotel deals, but not sure where to start? Check out this guide before booking your vacation!
- [First Side Hustle: 33 Experts Share Their First Side Hustle](https://personalprofitability.com/first-side-hustle-33-experts-share-their-first-side-hustle/) - As readers and anyone in the private Personal Profitability Facebook group (join the email list to get the link instantly) know, side income is my favorite way to improve anyone's financial situation. You won't get rich by budgeting, because real wealth comes from income. Plus, everyone has the ability to earn more - unless you face some
- [The Complete Beginner Guide to Freelancing](https://personalprofitability.com/complete-beginner-guide-to-freelancing/) - How to start freelancing - follow this guide to start your business, improve your skills, find your first client, and raise your rates freelancing.
- [PPP042: I Run My Business from Mexico with Katie Hornor](https://personalprofitability.com/episode42/) - Katie Hornor always wanted to live abroad and used her online business savvy to find a way to make it work. Learn how in this week's episode.
- [What is Goodwill on a Company Balance Sheet?](https://personalprofitability.com/goodwill/) - Goodwill on a company's balance sheet is a measure of the brand value from previous acquisitions. It is an important number to understand when investing.
- [Warren Buffett Investing Tips](https://personalprofitability.com/warren-buffett-investing-tips/) - Warren Buffett investing tips are investment gems. Enjoy these favorites with an explanation of why the Warren Buffett investing tips are worth following.
- [What Does a Share of Stock Represent?](https://personalprofitability.com/what-does-share-of-stock-represent/) - Almost everyone knows that you can buy and sell stock in a company, but a lot of people don’t fully understand what a share of stock represents.
- [Hedge Funds for the Rest of Us](https://personalprofitability.com/hedge-funds-rest-us/) - Hedge funds used to only be for the super-wealthy, but now middle-class investors have an opportunity to join in with this alternative investment vehicle.
- [Should I Buy Stock in the Company I Work For?](https://personalprofitability.com/should-i-buy-stock-in-company-i-work/) - Millions of people in the United States work at public companies with stock available for purchase. Some of these companies give employees stock for free, others offer company stock to employees at a discount, many commonly offer company stock as a portion of 401(k) plans. While many of us are loyal and believe in the companies we work for, is it a good idea to invest in our company's stock?
- [Can You Become a Millionaire in the Stock Market?](https://personalprofitability.com/can-you-become-a-millionaire-off-stocks/) - Can you become a millionaire off stocks? Of course! In order to do so though, there are a few things to learn. First, you must start early with investing.
- [3 Ways to Start Saving Money Today](https://personalprofitability.com/3-ways-start-saving-money-today/) - Within every household economy, spending has a tendency to place demands on income. The more money you make, the faster it seems to go out the door covering financial commitments and discretionary purchases. Aside from earning more money, the only way to increase your spending power is through creative cost savings measures and prudent financial
- [How to Start an IRA (or Roth IRA)](https://personalprofitability.com/how-to-start-ira-or-roth-ira/) - Investing for your retirement is important, but do you know how to get started? I'm sharing the basics of how to open and fund an IRA or Roth IRA account!
- [How to Find a Cheap House For Sale](https://personalprofitability.com/find-a-cheap-house/) - Are you trying to find a cheap house for sale? It can be tough in the competitive market today, but it's still not impossible.
- [Can I Really Afford to Save For Retirement?](https://personalprofitability.com/can-i-really-afford-to-save-for-retirement/) - Saving for retirement can be difficult to do when in debt or if you do not have much to save. By starting early though, you give your money time to grow!
- [Flip Houses or Rent Out Real Estate?](https://personalprofitability.com/flip-houses-or-rent/) - Is it a better idea to flip houses or rent them out to make money? Find out the pros and cons of these real estate investments!
- [How Has the Financial Crisis Affected Your Stock Portfolio?](https://personalprofitability.com/how-has-the-gfc-affected-your-stock-portfolio/) - Is your investment portfolio too risky? Here are some tips to protect your stock portfolio against a global financial crisis.
- [3 Simple Ways to Save For Retirement on a Budget](https://personalprofitability.com/save-for-retirement-budget/) - Save for retirement while you stick to a budget. It is possible! These are some tips to help you increase earnings and reduce spending!
- [What is the Right Time to Buy and Sell Index Funds and Mutual Funds?](https://personalprofitability.com/buy-and-sell-index-funds-and-mutual-funds/) - Timing the market can be tricky, so when is the best time to buy and sell index funds or mutual funds? Learn the smartest strategies here.
- [4 Simple Steps To Help You Get Started Saving For Retirement](https://personalprofitability.com/simple-steps-help-saving-for-retirement/) - Saving for retirement can be difficult. With a few simple steps, you can get started right away and begin building your retirement portfolio.
- [Building a Real Estate Snowball](https://personalprofitability.com/real-estate-snowball/) - Is it better to invest in the stock market or the real estate market? How do you build a real estate snowball? Find out the answers here!
- [How to Start Retirement Savings in Your 40s](https://personalprofitability.com/start-retirement-savings-in-your-40s/) - There's no time like the present to start thinking about retirement savings. If you're in your 40s, here's how to making saving a priority.
- [December 2016 Side Hustle Income Report](https://personalprofitability.com/january-2017-side-hustle-income-report/) - December meant holidays for most people, but I was at work hustling for my clients. I brought in $12,000+ in December. Learn how in this month's report.
- [How High-Mileage Drivers Can Lower Their Insurance Rate](https://personalprofitability.com/how-high-mileage-drivers-can-lower-their-insurance-rate/) - Driving can cost a lot of money. Between car payments, maintenance, fuel costs, and insurance, driving expenses add up quickly. It pays to look for ways to save on your transportation costs however you can, especially if you happen to drive a lot -- because even your insurance rates can see an impact if you
- [PPP048: I'm Adam and I'm a Stay at Home Dad Entrepreneur](https://personalprofitability.com/episode48/) - Adam Bosel didn't want to do the traditional 9-5 lifestyle, so he opened a gym in Portland, Oregon. But this wasn't just any gym, it was a green microgym.
- [What You Need to Know Before You Quit Your Job to Go All in With Your Side Hustle](https://personalprofitability.com/what-you-need-to-know-before-you-quit-your-job-to-go-all-in-with-your-side-hustle/) - What You Need to Know Before You Quit Your Job to Go All in With Your Side Hustle. Martin Dasko, brings his experience of a seasoned side hustler.
- [Should You Get Your MBA?](https://personalprofitability.com/should-you-get-your-mba/) - Should you get your MBA degree? I got my MBA and it has been hugely beneficial to my career, but today George Diaz digs into the numbers to help you decide!
- [How Your Insurance Rates Are Calculated](https://personalprofitability.com/insurance-rates/) - Many people don't understand the factors that impact their insurance rates. Here are some important things to know in the unknown world of insurance premiums.
- [Should My IRA Charge Me a Maintenance Fee?](https://personalprofitability.com/ira-fees/) - Should My IRA Charge Me a Maintenance Fee? Common fees like Account Maintenance Fees, Investment Fund Fees, and Trade Fees may be charged. How to avoid them?
- [Investment Strategy by Age](https://personalprofitability.com/investment-strategy-by-age/) - If you are in your 20s and your parents are near retirement, do you think you should have different investment strategies?
- [PPP124: 5 Lessons Learned Becoming a House Flipping Landlord](https://personalprofitability.com/episode124/) - Sandy Smith is here to drop some wisdom on being a house flipper and landlord! She shares 5 important lessons anyone investing in real estate needs to know.
- [Take The Cash or Reinvest](https://personalprofitability.com/take-cash-or-reinvest/) - Dividend stocks are equity investments that pay cash to investors regularly. Should you reinvest the dividends instead? Read on to find out.
- [July 2018 Online and Side Hustle Income Report](https://personalprofitability.com/july-2018-online-and-side-hustle-income-report/) - It's time for the July 2018 income report from Personal Profitability! Learn how I make over $10,000 per month online as a side hustle to full-time success!
- [December 2013 Net Worth and Earnings Update](https://personalprofitability.com/december-2013-net-worth-and-earnings-update/) - Brrr. Here in Denver, we are in a record cold streak that has never been seen before in the city's history. But I won't have to deal with the cold for long. I have some big news to share. I'm Moving to Portland! This Friday, I will hit the road for my big move to
- [August 2013 Net Worth and Earnings Update](https://personalprofitability.com/august-2013-net-worth-and-earnings-update/) - Happy August! I am writing this on the heels of returning from a trip that has been on my to do list for about two years. Vegas baby! I went with three friends for a "guys trip" that took us to top nightclubs and shows from top DJs. What a whirlwind! Banking, Debt, and Investments
- [Top 10 Guidelines to Follow Toward Achieving Debt Independence](https://personalprofitability.com/top-10-guidelines-to-follow-toward-achieving-debt-independence/) - As of 2012, Americans owe $849 billion in credit card debt, $8.03 trillion in mortgages, and $956 billion in student loans. This situation shows no signs of slowing down owing to poor money values that we have as a nation. The advertising industry forces us to spend on things we don’t need and can’t even afford, and this is what the credit card industry capitalizes on.
- [Save Money and the Environment](https://personalprofitability.com/save-money-and-environment/) - Are you ready for an easy project to save you money and help the environment? It is fairly easy and takes a relatively low investment. Change your light bulbs. Incandescent Bulbs Thomas Edison's famed incandescent light bulb uses electricity to heat a metal filament inside of a glass bulb. When the filament heats to a high temperature,
- [Screw You, I'm Not Giving Up My Caramel Macchiato!](https://personalprofitability.com/screw-you-im-not-giving-up-my-caramel-macchiato/) - You may be thinking, "It's only a damn coffee," it's really not that serious, sir. Well, let me tell you that you don't know what you're talking about. I mean just look at this beautiful creature... This is nothing short of the modern day form of ambrosia. For those of you not in the know,
- [Interview With Get Rich Slowly's JD Roth](https://personalprofitability.com/interview-with-get-rich-slowlys-jd-roth/) - Today I am excited to welcome Get Rich Slowly founder JD Roth to chat about his new Be Your Own CFO guide. It is an honor and a pleasure to have had the chance to ask JD some questions about how he got started in personal finance and how he developed his new guide. For the
- [Unbelievable Sign Up Bonus for Savings Account](https://personalprofitability.com/unbelievable-sign-up-bonus-for-high-interest-savings-account/) - Having a reliable, savings account is a cornerstone of your personal finances. I keep my emergency fund in a savings account with a great rate so I can get quick access to my funds if needed, but I’m also earning a little something for keeping it there. This deal is for new 360 Savings accounts
- [PPP026: Planning for Next Year's Profitability](https://personalprofitability.com/episode26/) - As we dive deeper into the new year, it is important to take a look back at last year to examine what worked well, what didn't, and what trends we are seeing around the web that can help us grow and thrive in the new year. Resources Mentioned Google Analytics Jetpack Quickbooks Wave Accounting Backlinko
- [How I Eat Locally Everywhere](https://personalprofitability.com/eat-locally/) - When I got off the plane that took me back home from Costa Rica, I swore off Gallo Pinto. The delicious Costa Rican staple was my primary source of nutrition for my trip, but I was ready to get back to a normal diet when I got back home.
- [Combining Finances](https://personalprofitability.com/combining-finances/) - Some say that 10% of marriage proposals happen one day a year: Valentine’s Day. Combine that 10% with the holiday engagements and you’ve got a lot to celebrate. But beyond sharing kisses and champagne, it’s time to talk about sharing finances.
- [Money and Relationships](https://personalprofitability.com/money-and-relationships/) - There has been much talk about money and marriage lately, and so there should be considering money is the number one reason for divorce.
- [Tips on Cash Flow Management](https://personalprofitability.com/tips-on-cash-flow-management/) - Managing your financial accounts and monthly expenses doesn't have to result in hours of gawking at spreadsheets, or pencil-and-paper calculations. Better yet, it can even be encouraging to budget your own expenses. This gives you a realistic outlook of how your money is spent, what savings you can have each month, and where one should cut back on spending too much.
- [Get Started In Real Estate Investing with an LLC](https://personalprofitability.com/get-started-in-real-estate-investing-with-an-llc/) - According to the July 2013 report from REAL Trends, housing sales were up 10.2 percent compared to June 2012 and the average prices of sold homes is up almost eight percent. This means that many who were hoping to sell homes are getting ready and the real estate investors are also looking to add to
- [Crazy Frugality Ideas from Extreme Cheapskates](https://personalprofitability.com/crazy-frugality-ideas-from-extreme-cheapskates/) - Have you seen that show Extreme Cheapskates? When it made it onto Netflix, I was able to watch it for free and made it through the six episodes in less than a week. One of the episodes was so over-the-top that I couldn't make it to the end, but overall I found it entertaining and
- [My Biggest Financial Mistake](https://personalprofitability.com/my-biggest-financial-mistake/) - I can't even count the number of money mistakes I've made in my life. Although I recently paid off my mortgage, it didn't come easy or without making mistakes on the way.
- [Eating to Green Savings](https://personalprofitability.com/green-savings/) - This post is by Melissa at Mom’s Plans and is part of a Yakezie blog swap based on the topic, “What is your best go green method to save money?” You can read my post on the same topic at Melissa's blog.
- [A Financial Do Over](https://personalprofitability.com/financial-do-over/) - This is a guest post from Penny at The Saved Quarter as part of the Yakezie blog swap. This week, we were asked, “If you had one financial do-over, what would it be and why?”
- [Giving a Loan to a Business](https://personalprofitability.com/giving-a-loan-to-a-business/) - Investments are a huge part of your finances, and they are not limited to stocks and mutual funds. I am a big fan of investing in bonds, which are loans to businesses. There are multiple ways to invest in bonds and each has a different risk and cost profile. Corporate Bonds The easiest way to
- [Finding an Unsecured Loan](https://personalprofitability.com/finding-an-unsecured-loan/) - When I worked in banking, customers would regularly come in asking about getting an unsecured loan. These loans, often called personal loans, were not something my bank offered. While many banks do not offer personal loans, there are many ways to find unsecured loans if you know where to look. Credit Unions Many credit unions
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- [5 Ways to Pay Off Consumer Debt](https://personalprofitability.com/5-ways-to-pay-off-consumer-debt/) - The economy has been tough on many families and individuals alike, and many have been forced to rely on credit cards simply to afford basic necessities each month. However, credit cards aren't limitless and they require monthly payments, and when money is tight many people overcharge their credit cards and aren't able to make the
- [Personal Finance Tools that Make a Difference](https://personalprofitability.com/personal-finance-tools-that-make-a-difference/) - Aside from earning more money or hitting it rich in the lottery, the best way to boost your finances is good planning and saving. This is all about discipline and ensuring that you save more than you spend – indeed, if you do the opposite you will never get comfortable. That said there are some
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- [How to Manage Debt with Self Discipline](https://personalprofitability.com/how-to-manage-debt-with-self-discipline/) - Managing your debt can takes a lot of self-discipline to ensure you’re spending money on things that are necessary. Managing debt and eventually paying it off takes will power - and a lot of it! The first thing you're going to need to do is look at your expenses and your income. Ensure each purchase
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- [Birthday](https://personalprofitability.com/tag/birthday/)
- [bix box store](https://personalprofitability.com/tag/bix-box-store/)
- [Black Friday](https://personalprofitability.com/tag/black-friday/)
- [Blog](https://personalprofitability.com/tag/blog/)
- [Blogger](https://personalprofitability.com/tag/blogger/)
- [Blogging](https://personalprofitability.com/tag/blogging/)
- [BNSF Railway](https://personalprofitability.com/tag/bnsf-railway/)
- [bonds](https://personalprofitability.com/tag/bonds/)
- [Book value](https://personalprofitability.com/tag/book-value/)
- [borrowing from friends](https://personalprofitability.com/tag/borrowing-from-friends/)
- [brokerage](https://personalprofitability.com/tag/brokerage/)
- [Brokerage Statements](https://personalprofitability.com/tag/brokerage-statements/)
- [Bruce Almighty](https://personalprofitability.com/tag/bruce-almighty/)
- [Budget](https://personalprofitability.com/tag/budget/)
- [Budgeting](https://personalprofitability.com/tag/budgeting/)
- [Business](https://personalprofitability.com/tag/business/)
- [Business and Economy](https://personalprofitability.com/tag/business-and-economy/)
- [Business Checks](https://personalprofitability.com/tag/business-checks/)
- [Buy and Hold](https://personalprofitability.com/tag/buy-and-hold/)
- [Buying a Car](https://personalprofitability.com/tag/buying-a-car/)
- [Buying a Home](https://personalprofitability.com/tag/buying-a-home/)
- [Buying in Bulk](https://personalprofitability.com/tag/buying-in-bulk/)
- [buyouts](https://personalprofitability.com/tag/buyouts/)
- [Cable](https://personalprofitability.com/tag/cable/)
- [Calendar](https://personalprofitability.com/tag/calendar/)
- [Capital Gains](https://personalprofitability.com/tag/capital-gains/)
- [Capital One 360](https://personalprofitability.com/tag/capital-one-360/)
- [Capitalism](https://personalprofitability.com/tag/capitalism/)
- [Car Cost of Ownership](https://personalprofitability.com/tag/car-cost-of-ownership/)
- [Car finance](https://personalprofitability.com/tag/car-finance/)
- [Career](https://personalprofitability.com/tag/career/)
- [Career and Work](https://personalprofitability.com/tag/career-work/)
- [Carnival Cruises](https://personalprofitability.com/tag/carnival-cruises/)
- [cash](https://personalprofitability.com/tag/cash/)
- [cash advance](https://personalprofitability.com/tag/cash-advance/)
- [cash buyout](https://personalprofitability.com/tag/cash-buyout/)
- [Cash Flow](https://personalprofitability.com/tag/cash-flow/)
- [Cash Flow Properties](https://personalprofitability.com/tag/cash-flow-properties/)
- [Cessna Citation](https://personalprofitability.com/tag/cessna-citation/)
- [Chairman](https://personalprofitability.com/tag/chairman/)
- [Changing Jobs](https://personalprofitability.com/tag/changing-jobs/)
- [Charlie Munger](https://personalprofitability.com/tag/charlie-munger/)
- [Chase (bank)](https://personalprofitability.com/tag/chase-bank/)
- [Checkbook](https://personalprofitability.com/tag/checkbook/)
- [checking](https://personalprofitability.com/tag/checking/)
- [Checking Accounts](https://personalprofitability.com/tag/checking-accounts/)
- [Chemlawn](https://personalprofitability.com/tag/chemlawn/)
- [Cherry Creek High School](https://personalprofitability.com/tag/cherry-creek-high-school/)
- [Chris Guillebeau](https://personalprofitability.com/tag/chris-guillebeau/)
- [Christmas gift](https://personalprofitability.com/tag/christmas-gift/)
- [Christmas Shopping](https://personalprofitability.com/tag/christmas-shopping/)
- [Christmas shopping list](https://personalprofitability.com/tag/christmas-shopping-list/)
- [Churning Credit Cards](https://personalprofitability.com/tag/churning-credit-cards/)
- [Cleaning](https://personalprofitability.com/tag/cleaning/)
- [Cleanliness](https://personalprofitability.com/tag/cleanliness/)
- [Clothing](https://personalprofitability.com/tag/clothing/)
- [Coca Cola Company](https://personalprofitability.com/tag/coca-cola-company/)
- [Cohabitation](https://personalprofitability.com/tag/cohabitation/)
- [Collectibles](https://personalprofitability.com/tag/collectibles/)
- [college](https://personalprofitability.com/tag/college/)
- [College Football](https://personalprofitability.com/tag/college-football/)
- [Combining Finances](https://personalprofitability.com/tag/combining-finances/)
- [Compound Interest](https://personalprofitability.com/tag/compound-interest/)
- [concerts](https://personalprofitability.com/tag/concerts/)
- [conservatives](https://personalprofitability.com/tag/conservatives/)
- [convenience checks](https://personalprofitability.com/tag/convenience-checks/)
- [copper](https://personalprofitability.com/tag/copper/)
- [Corporate Raiders](https://personalprofitability.com/tag/corporate-raiders/)
- [cost](https://personalprofitability.com/tag/cost/)
- [Costa Concordia](https://personalprofitability.com/tag/costa-concordia/)
- [costs](https://personalprofitability.com/tag/costs/)
- [Costumes](https://personalprofitability.com/tag/costumes/)
- [Counselor in Training](https://personalprofitability.com/tag/counselor-in-training/)
- [Coupons](https://personalprofitability.com/tag/coupons/)
- [Craigslist](https://personalprofitability.com/tag/craigslist/)
- [Credit](https://personalprofitability.com/tag/credit/)
- [Credit card](https://personalprofitability.com/tag/credit-card/)
- [Credit Card Churning](https://personalprofitability.com/tag/credit-card-churning/)
- [Credit Card Debt](https://personalprofitability.com/tag/credit-card-debt/)
- [Credit Card Interest](https://personalprofitability.com/tag/credit-card-interest/)
- [Credit Card Offers](https://personalprofitability.com/tag/credit-card-offers/)
- [Credit Card Rewards](https://personalprofitability.com/tag/credit-card-rewards/)
- [Credit Cards](https://personalprofitability.com/tag/credit-cards/)
- [Credit history](https://personalprofitability.com/tag/credit-history/)
- [Credit Karma](https://personalprofitability.com/tag/credit-karma/)
- [Credit Monitoring](https://personalprofitability.com/tag/credit-monitoring/)
- [Credit Repair](https://personalprofitability.com/tag/credit-repair/)
- [Credit Repair Agencies](https://personalprofitability.com/tag/credit-repair-agencies/)
- [credit report](https://personalprofitability.com/tag/credit-report/)
- [Credit Reporting](https://personalprofitability.com/tag/credit-reporting/)
- [Credit score](https://personalprofitability.com/tag/credit-score/)
- [credit sesame](https://personalprofitability.com/tag/credit-sesame/)
- [Credit union](https://personalprofitability.com/tag/credit-union/)
- [cruise](https://personalprofitability.com/tag/cruise/)
- [CTR](https://personalprofitability.com/tag/ctr/)
- [Cub Scout](https://personalprofitability.com/tag/cub-scout/)
- [currency](https://personalprofitability.com/tag/currency/)
- [Customer service](https://personalprofitability.com/tag/customer-service/)
- [cut your expenses](https://personalprofitability.com/tag/cut-your-expenses/)
- [dairy](https://personalprofitability.com/tag/dairy/)
- [Damaged Currency](https://personalprofitability.com/tag/damaged-currency/)
- [Dating](https://personalprofitability.com/tag/dating/)
- [David L. Sokol](https://personalprofitability.com/tag/david-l-sokol/)
- [Debit Card](https://personalprofitability.com/tag/debit-card/)
- [Debit Cards](https://personalprofitability.com/tag/debit-cards/)
- [Debt](https://personalprofitability.com/tag/debt/)
- [debt consolidation](https://personalprofitability.com/tag/debt-consolidation/)
- [Debt Free](https://personalprofitability.com/tag/debt-free/)
- [Debt Management](https://personalprofitability.com/tag/debt-management/)
- [Debt Repayment](https://personalprofitability.com/tag/debt-repayment/)
- [Debt Snowball](https://personalprofitability.com/tag/debt-snowball/)
- [Demand Media](https://personalprofitability.com/tag/demand-media/)
- [Denver](https://personalprofitability.com/tag/denver/)
- [Denver Flash Mob](https://personalprofitability.com/tag/denver-flash-mob/)
- [Department of Treasury](https://personalprofitability.com/tag/department-of-treasury/)
- [Diet](https://personalprofitability.com/tag/diet/)
- [Dining](https://personalprofitability.com/tag/dining/)
- [Direct Deposit](https://personalprofitability.com/tag/direct-deposit/)
- [Discounts](https://personalprofitability.com/tag/discounts/)
- [Disposable and discretionary income](https://personalprofitability.com/tag/disposable-and-discretionary-income/)
- [Dividend Reinvestment](https://personalprofitability.com/tag/dividend-reinvestment/)
- [Dividend Stocks](https://personalprofitability.com/tag/dividend-stocks/)
- [Dividends](https://personalprofitability.com/tag/dividends/)
- [DJIA](https://personalprofitability.com/tag/djia/)
- [do it yourself](https://personalprofitability.com/tag/do-it-yourself/)
- [doctor](https://personalprofitability.com/tag/doctor/)
- [dollar](https://personalprofitability.com/tag/dollar/)
- [dollar shave club](https://personalprofitability.com/tag/dollar-shave-club/)
- [dollars](https://personalprofitability.com/tag/dollars/)
- [Donations](https://personalprofitability.com/tag/donations/)
- [Dow Jones Industrial Average](https://personalprofitability.com/tag/dow-jones-industrial-average/)
- [Down payment](https://personalprofitability.com/tag/down-payment/)
- [drinking](https://personalprofitability.com/tag/drinking/)
- [DRIP](https://personalprofitability.com/tag/drip/)
- [Droid](https://personalprofitability.com/tag/droid/)
- [Dropbox](https://personalprofitability.com/tag/dropbox/)
- [Earn More](https://personalprofitability.com/tag/earn-more/)
- [earn more money](https://personalprofitability.com/tag/earn-more-money/)
- [earnings](https://personalprofitability.com/tag/earnings/)
- [Eating](https://personalprofitability.com/tag/eating/)
- [eBay](https://personalprofitability.com/tag/ebay/)
- [eBaytrage](https://personalprofitability.com/tag/ebaytrage/)
- [Economics](https://personalprofitability.com/tag/economics/)
- [Economy](https://personalprofitability.com/tag/economy/)
- [Education](https://personalprofitability.com/tag/education/)
- [email](https://personalprofitability.com/tag/email/)
- [Email address](https://personalprofitability.com/tag/email-address/)
- [Emergency Fund](https://personalprofitability.com/tag/emergency-fund/)
- [Employer Benefits](https://personalprofitability.com/tag/employer-benefits/)
- [Employment](https://personalprofitability.com/tag/employment/)
- [EMV](https://personalprofitability.com/tag/emv/)
- [Energy](https://personalprofitability.com/tag/energy/)
- [Entertainment](https://personalprofitability.com/tag/entertainment/)
- [Entreprenuership](https://personalprofitability.com/tag/entreprenuership/)
- [Environment](https://personalprofitability.com/tag/environment/)
- [envrionment](https://personalprofitability.com/tag/envrionment/)
- [Equal Credit Opportunity Act](https://personalprofitability.com/tag/equal-credit-opportunity-act/)
- [equity](https://personalprofitability.com/tag/equity/)
- [ETFs](https://personalprofitability.com/tag/etfs/)
- [Etiquette](https://personalprofitability.com/tag/etiquette/)
- [EUR](https://personalprofitability.com/tag/eur/)
- [euro](https://personalprofitability.com/tag/euro/)
- [Eurozone](https://personalprofitability.com/tag/eurozone/)
- [Evernote](https://personalprofitability.com/tag/evernote/)
- [excel](https://personalprofitability.com/tag/excel/)
- [expenses](https://personalprofitability.com/tag/expenses/)
- [Expiration Dates](https://personalprofitability.com/tag/expiration-dates/)
- [Facebook](https://personalprofitability.com/tag/facebook/)
- [Fair Value](https://personalprofitability.com/tag/fair-value/)
- [Family](https://personalprofitability.com/tag/family/)
- [Family Business](https://personalprofitability.com/tag/family-business/)
- [Family Vacation](https://personalprofitability.com/tag/family-vacation/)
- [fees](https://personalprofitability.com/tag/fees/)
- [Fertilizer](https://personalprofitability.com/tag/fertilizer/)
- [File Cabinet](https://personalprofitability.com/tag/file-cabinet/)
- [FileThis](https://personalprofitability.com/tag/filethis/)
- [Filing Taxes](https://personalprofitability.com/tag/filing-taxes/)
- [Finance](https://personalprofitability.com/tag/finance/)
- [Finances](https://personalprofitability.com/tag/finances/)
- [Financial Advisors](https://personalprofitability.com/tag/financial-advisors/)
- [Financial Services](https://personalprofitability.com/tag/financial-services/)
- [Financially Prepare](https://personalprofitability.com/tag/financially-prepare/)
- [FinCon](https://personalprofitability.com/tag/fincon/)
- [Finovera](https://personalprofitability.com/tag/finovera/)
- [fireworks](https://personalprofitability.com/tag/fireworks/)
- [First Date](https://personalprofitability.com/tag/first-date/)
- [first home purchase](https://personalprofitability.com/tag/first-home-purchase/)
- [Five Minute Retirement Plan](https://personalprofitability.com/tag/five-minute-retirement-plan/)
- [Fix and Flip](https://personalprofitability.com/tag/fix-and-flip/)
- [Food](https://personalprofitability.com/tag/food/)
- [Food Budget](https://personalprofitability.com/tag/food-budget/)
- [Football](https://personalprofitability.com/tag/football/)
- [foreign currency](https://personalprofitability.com/tag/foreign-currency/)
- [foreign exchange](https://personalprofitability.com/tag/foreign-exchange/)
- [forex](https://personalprofitability.com/tag/forex/)
- [Fourth of July](https://personalprofitability.com/tag/fourth-of-july/)
- [Franchising](https://personalprofitability.com/tag/franchising/)
- [Fraud](https://personalprofitability.com/tag/fraud/)
- [free stuff](https://personalprofitability.com/tag/free-stuff-2/)
- [Free Travel](https://personalprofitability.com/tag/free-travel/)
- [Freedom of Speech](https://personalprofitability.com/tag/freedom-of-speech/)
- [Freelance](https://personalprofitability.com/tag/freelance/)
- [Frequent Flyer Miles](https://personalprofitability.com/tag/frequent-flyer-miles/)
- [freshman](https://personalprofitability.com/tag/freshman/)
- [friends](https://personalprofitability.com/tag/friends/)
- [Friendship](https://personalprofitability.com/tag/friendship/)
- [Frugal](https://personalprofitability.com/tag/frugal/)
- [frugality](https://personalprofitability.com/tag/frugality/)
- [frugally](https://personalprofitability.com/tag/frugally/)
- [Fulfillment by Amazon](https://personalprofitability.com/tag/fulfillment-by-amazon/)
- [Fundamental Analysis](https://personalprofitability.com/tag/fundamental-analysis/)
- [Gambling](https://personalprofitability.com/tag/gambling/)
- [GBP](https://personalprofitability.com/tag/gbp/)
- [Geico](https://personalprofitability.com/tag/geico/)
- [Get rich quick](https://personalprofitability.com/tag/get-rich-quick/)
- [gift](https://personalprofitability.com/tag/gift/)
- [give yourself small rewards](https://personalprofitability.com/tag/give-yourself-small-rewards/)
- [GLD](https://personalprofitability.com/tag/gld/)
- [Gmail](https://personalprofitability.com/tag/gmail/)
- [Goals](https://personalprofitability.com/tag/goals/)
- [gold](https://personalprofitability.com/tag/gold/)
- [Gold ETF](https://personalprofitability.com/tag/gold-etf/)
- [Goodwill](https://personalprofitability.com/tag/goodwill/)
- [google goggles](https://personalprofitability.com/tag/google-goggles/)
- [Gordon Gekko](https://personalprofitability.com/tag/gordon-gekko/)
- [Graduation](https://personalprofitability.com/tag/graduation/)
- [Great Depression](https://personalprofitability.com/tag/great-depression/)
- [Greed is Good](https://personalprofitability.com/tag/greed-is-good/)
- [Greenhouse gas](https://personalprofitability.com/tag/greenhouse-gas/)
- [Groceries](https://personalprofitability.com/tag/groceries/)
- [Grocery Bill](https://personalprofitability.com/tag/grocery-bill/)
- [Grocery Budget](https://personalprofitability.com/tag/grocery-budget/)
- [grocery shopping](https://personalprofitability.com/tag/grocery-shopping/)
- [Grocery store](https://personalprofitability.com/tag/grocery-store/)
- [Gym Membership](https://personalprofitability.com/tag/gym-membership/)
- [happiness](https://personalprofitability.com/tag/happiness/)
- [hard hit](https://personalprofitability.com/tag/hard-hit/)
- [HDHP](https://personalprofitability.com/tag/hdhp/)
- [Health](https://personalprofitability.com/tag/health/)
- [health spending account](https://personalprofitability.com/tag/health-spending-account/)
- [healthcare](https://personalprofitability.com/tag/healthcare/)
- [healthinsurance](https://personalprofitability.com/tag/healthinsurance/)
- [high deductible health plan](https://personalprofitability.com/tag/high-deductible-health-plan/)
- [hobby](https://personalprofitability.com/tag/hobby/)
- [Holidays](https://personalprofitability.com/tag/holidays/)
- [Home](https://personalprofitability.com/tag/home/)
- [Home Depot](https://personalprofitability.com/tag/home-depot/)
- [home equity loan](https://personalprofitability.com/tag/home-equity-loan/)
- [Home Expenses](https://personalprofitability.com/tag/home-expenses/)
- [home improvement](https://personalprofitability.com/tag/home-improvement/)
- [Home insurance](https://personalprofitability.com/tag/home-insurance/)
- [Home Ownership](https://personalprofitability.com/tag/home-ownership/)
- [Home Purchase](https://personalprofitability.com/tag/home-purchase/)
- [homelessness](https://personalprofitability.com/tag/homelessness/)
- [homeowner insurance](https://personalprofitability.com/tag/homeowner-insurance/)
- [Hostels](https://personalprofitability.com/tag/hostels/)
- [Hotel](https://personalprofitability.com/tag/hotel/)
- [hotels](https://personalprofitability.com/tag/hotels/)
- [House](https://personalprofitability.com/tag/house/)
- [house poor](https://personalprofitability.com/tag/house-poor/)
- [housing](https://personalprofitability.com/tag/housing/)
- [How I Met Your Mother](https://personalprofitability.com/tag/how-i-met-your-mother/)
- [How to Budget](https://personalprofitability.com/tag/how-to-budget/)
- [How to Save Money](https://personalprofitability.com/tag/how-to-save-money/)
- [HSA](https://personalprofitability.com/tag/hsa/)
- [I Am](https://personalprofitability.com/tag/i-am/)
- [IC Chip](https://personalprofitability.com/tag/ic-chip/)
- [Identity theft](https://personalprofitability.com/tag/identity-theft/)
- [IFTTT](https://personalprofitability.com/tag/ifttt/)
- [Ignite](https://personalprofitability.com/tag/ignite/)
- [impulse buy](https://personalprofitability.com/tag/impulse-buy/)
- [Impulse Spending](https://personalprofitability.com/tag/impulse-spending/)
- [Income](https://personalprofitability.com/tag/income/)
- [Income Disparity](https://personalprofitability.com/tag/income-disparity/)
- [Income Property](https://personalprofitability.com/tag/income-property/)
- [Income Stream](https://personalprofitability.com/tag/income-stream/)
- [Income Tax Refund](https://personalprofitability.com/tag/income-tax-refund/)
- [Index Funds](https://personalprofitability.com/tag/index-funds/)
- [indinero](https://personalprofitability.com/tag/indinero/)
- [infomercials](https://personalprofitability.com/tag/infomercials/)
- [ING Group](https://personalprofitability.com/tag/ing-group/)
- [Inheritance](https://personalprofitability.com/tag/inheritance/)
- [Insurance](https://personalprofitability.com/tag/insurance/)
- [Insurance policy](https://personalprofitability.com/tag/insurance-policy/)
- [Interest](https://personalprofitability.com/tag/interest/)
- [Interest Rates](https://personalprofitability.com/tag/interest-rates/)
- [Interest Savings](https://personalprofitability.com/tag/interest-savings/)
- [international investing](https://personalprofitability.com/tag/international-investing/)
- [Internet](https://personalprofitability.com/tag/internet/)
- [Internet Banking](https://personalprofitability.com/tag/internet-banking/)
- [Interview](https://personalprofitability.com/tag/interview/)
- [Invest in the stock market](https://personalprofitability.com/tag/invest-in-the-stock-market/)
- [Investing](https://personalprofitability.com/tag/investing/)
- [Investing for Retirement](https://personalprofitability.com/tag/investing-for-retirement/)
- [Investment](https://personalprofitability.com/tag/investment/)
- [Investment Analysis](https://personalprofitability.com/tag/investment-analysis/)
- [Investment Portfolio](https://personalprofitability.com/tag/investment-portfolio/)
- [iPhone](https://personalprofitability.com/tag/iphone/)
- [IPO](https://personalprofitability.com/tag/ipo/)
- [IRA](https://personalprofitability.com/tag/ira/)
- [IRS](https://personalprofitability.com/tag/irs/)
- [Islamic banking](https://personalprofitability.com/tag/islamic-banking/)
- [Jack Whittaker](https://personalprofitability.com/tag/jack-whittaker/)
- [Jay Leno](https://personalprofitability.com/tag/jay-leno/)
- [Job Placement](https://personalprofitability.com/tag/job-placement/)
- [Job Search](https://personalprofitability.com/tag/job-search/)
- [Julie Clow](https://personalprofitability.com/tag/julie-clow/)
- [Kindle](https://personalprofitability.com/tag/kindle/)
- [Kiva](https://personalprofitability.com/tag/kiva/)
- [Kohl's Card](https://personalprofitability.com/tag/kohls-card/)
- [lactose](https://personalprofitability.com/tag/lactose/)
- [Landlord](https://personalprofitability.com/tag/landlord/)
- [Landscaping Ideas](https://personalprofitability.com/tag/landscaping-ideas/)
- [last minute Christmas idea](https://personalprofitability.com/tag/last-minute-christmas-idea/)
- [Last minute Christmas ideas](https://personalprofitability.com/tag/last-minute-christmas-ideas/)
- [LastPass](https://personalprofitability.com/tag/lastpass/)
- [Late Fees](https://personalprofitability.com/tag/late-fees/)
- [Latte Factor](https://personalprofitability.com/tag/latte-factor/)
- [Lawn Care](https://personalprofitability.com/tag/lawn-care/)
- [Lawn Maintenance](https://personalprofitability.com/tag/lawn-maintenance/)
- [Lawn Mowing](https://personalprofitability.com/tag/lawn-mowing/)
- [Layoff](https://personalprofitability.com/tag/layoff/)
- [LBO](https://personalprofitability.com/tag/lbo/)
- [LearnVest](https://personalprofitability.com/tag/learnvest/)
- [Legal](https://personalprofitability.com/tag/legal/)
- [Legislation](https://personalprofitability.com/tag/legislation/)
- [Lenders mortgage insurance](https://personalprofitability.com/tag/lenders-mortgage-insurance/)
- [Lending](https://personalprofitability.com/tag/lending/)
- [Lending Club](https://personalprofitability.com/tag/lending-club/)
- [lending money](https://personalprofitability.com/tag/lending-money/)
- [Liar Liar](https://personalprofitability.com/tag/liar-liar/)
- [liberty fund](https://personalprofitability.com/tag/liberty-fund/)
- [Liberty Mutual](https://personalprofitability.com/tag/liberty-mutual/)
- [life insurance](https://personalprofitability.com/tag/life-insurance/)
- [Life-style](https://personalprofitability.com/tag/life-style/)
- [Lifehacking](https://personalprofitability.com/tag/lifehacking/)
- [lifestyle](https://personalprofitability.com/tag/lifestyle-2/)
- [LinkedIn](https://personalprofitability.com/tag/linkedin/)
- [Live Real Now](https://personalprofitability.com/tag/live-real-now/)
- [LLC](https://personalprofitability.com/tag/llc/)
- [Loan](https://personalprofitability.com/tag/loan/)
- [loan payments](https://personalprofitability.com/tag/loan-payments/)
- [Loans](https://personalprofitability.com/tag/loans/)
- [Lottery](https://personalprofitability.com/tag/lottery/)
- [Loyalty program](https://personalprofitability.com/tag/loyalty-program/)
- [loyalty programs](https://personalprofitability.com/tag/loyalty-programs/)
- [Lubrizol](https://personalprofitability.com/tag/lubrizol/)
- [Luxury Yacht](https://personalprofitability.com/tag/luxury-yacht/)
- [M&A](https://personalprofitability.com/tag/ma/)
- [Maid](https://personalprofitability.com/tag/maid/)
- [Make Money](https://personalprofitability.com/tag/make-money/)
- [make money fast](https://personalprofitability.com/tag/make-money-fast/)
- [make money online](https://personalprofitability.com/tag/make-money-online/)
- [making money online](https://personalprofitability.com/tag/making-money-online/)
- [Manage Your Finances](https://personalprofitability.com/tag/manage-your-finances/)
- [Managing Your Finances](https://personalprofitability.com/tag/managing-your-finances/)
- [Manilla](https://personalprofitability.com/tag/manilla/)
- [Marketing](https://personalprofitability.com/tag/marketing/)
- [Marriage](https://personalprofitability.com/tag/marriage/)
- [Married Filing Jointly](https://personalprofitability.com/tag/married-filing-jointly/)
- [MasterCard](https://personalprofitability.com/tag/mastercard/)
- [MegaMillions](https://personalprofitability.com/tag/megamillions/)
- [merchant account](https://personalprofitability.com/tag/merchant-account/)
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- [shaving](https://personalprofitability.com/tag/shaving/)
- [Shopping](https://personalprofitability.com/tag/shopping/)
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- [silver](https://personalprofitability.com/tag/silver/)
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- [small business](https://personalprofitability.com/tag/small-business/)
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- [Station wagon](https://personalprofitability.com/tag/station-wagon/)
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- [Tax Preparation](https://personalprofitability.com/tag/tax-preparation/)
- [Tax Records](https://personalprofitability.com/tag/tax-records/)
- [Tax Refund](https://personalprofitability.com/tag/tax-refund/)
- [Tax Return](https://personalprofitability.com/tag/tax-return/)
- [Tax Software](https://personalprofitability.com/tag/tax-software/)
- [tax withholding](https://personalprofitability.com/tag/tax-withholding/)
- [taxes](https://personalprofitability.com/tag/taxes-2/)
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- [Theft](https://personalprofitability.com/tag/theft/)
- [Thrift Shop](https://personalprofitability.com/tag/thrift-shop/)
- [Thrift Store](https://personalprofitability.com/tag/thrift-store/)
- [Thrive](https://personalprofitability.com/tag/thrive/)
- [tim ferris](https://personalprofitability.com/tag/tim-ferris/)
- [time management](https://personalprofitability.com/tag/time-management-2/)
- [time saving](https://personalprofitability.com/tag/time-saving/)
- [Time Value of Money](https://personalprofitability.com/tag/time-value-of-money/)
- [Tipping](https://personalprofitability.com/tag/tipping/)
- [tips](https://personalprofitability.com/tag/tips/)
- [Tobacco](https://personalprofitability.com/tag/tobacco/)
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- [Tourism](https://personalprofitability.com/tag/tourism/)
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- [Track Expenses](https://personalprofitability.com/tag/track-expenses/)
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- [Traditional IRA](https://personalprofitability.com/tag/traditional-ira/)
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- [Transfers](https://personalprofitability.com/tag/transfers/)
- [Transition](https://personalprofitability.com/tag/transition/)
- [transportation](https://personalprofitability.com/tag/transportation/)
- [Travel](https://personalprofitability.com/tag/travel/)
- [Travel Hacking](https://personalprofitability.com/tag/travel-hacking/)
- [travel rewards](https://personalprofitability.com/tag/travel-rewards/)
- [Travel Upgrades](https://personalprofitability.com/tag/travel-upgrades/)
- [Traveling](https://personalprofitability.com/tag/traveling/)
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- [truck rental](https://personalprofitability.com/tag/truck-rental/)
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- [TV](https://personalprofitability.com/tag/tv/)
- [U.S. Bancorp](https://personalprofitability.com/tag/u-s-bancorp/)
- [Uman](https://personalprofitability.com/tag/uman/)
- [uncommon ways to save money](https://personalprofitability.com/tag/uncommon-ways-to-save-money/)
- [Uncommon ways to start saving money](https://personalprofitability.com/tag/uncommon-ways-to-start-saving-money/)
- [United State](https://personalprofitability.com/tag/united-state/)
- [United States](https://personalprofitability.com/tag/united-states/)
- [United States Congress](https://personalprofitability.com/tag/united-states-congress/)
- [United States House of Representatives](https://personalprofitability.com/tag/united-states-house-of-representatives/)
- [universal healthcare](https://personalprofitability.com/tag/universal-healthcare/)
- [Used Car](https://personalprofitability.com/tag/used-car/)
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- [Vacation](https://personalprofitability.com/tag/vacation/)
- [Valuation](https://personalprofitability.com/tag/valuation/)
- [Value](https://personalprofitability.com/tag/value/)
- [Value investing](https://personalprofitability.com/tag/value-investing/)
- [Vehicle insurance](https://personalprofitability.com/tag/vehicle-insurance/)
- [Video Blog](https://personalprofitability.com/tag/video-blog/)
- [Video Post](https://personalprofitability.com/tag/video-post/)
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- [W-9](https://personalprofitability.com/tag/w-9/)
- [Wage Garnishments](https://personalprofitability.com/tag/wage-garnishments/)
- [Waiters](https://personalprofitability.com/tag/waiters/)
- [wallet](https://personalprofitability.com/tag/wallet/)
- [Walmart Card](https://personalprofitability.com/tag/walmart-card/)
- [Warren Buffet](https://personalprofitability.com/tag/warren-buffet/)
- [Warren Buffett](https://personalprofitability.com/tag/warren-buffett/)
- [Washington](https://personalprofitability.com/tag/washington/)
- [Waste Money](https://personalprofitability.com/tag/waste-money/)
- [Wasting Money](https://personalprofitability.com/tag/wasting-money/)
- [ways to cut your expenses](https://personalprofitability.com/tag/ways-to-cut-your-expenses/)
- [Wealth](https://personalprofitability.com/tag/wealth/)
- [Wealth Disparity](https://personalprofitability.com/tag/wealth-disparity/)
- [wedding](https://personalprofitability.com/tag/wedding/)
- [Weekend](https://personalprofitability.com/tag/weekend/)
- [weight](https://personalprofitability.com/tag/weight/)
- [Wesabe](https://personalprofitability.com/tag/wesabe/)
- [wine](https://personalprofitability.com/tag/wine/)
- [wine club](https://personalprofitability.com/tag/wine-club/)
- [Write Off](https://personalprofitability.com/tag/write-off/)
- [Yakezie](https://personalprofitability.com/tag/yakezie/)
- [YNAB](https://personalprofitability.com/tag/ynab/)
- [Yodlee MoneyCenter](https://personalprofitability.com/tag/yodlee-moneycenter/)
- [Young Professionals](https://personalprofitability.com/tag/young-professionals/)
- [zombie apocalypse](https://personalprofitability.com/tag/zombie-apocalypse/)
- [zombies](https://personalprofitability.com/tag/zombies/)
- [Home Loan](https://personalprofitability.com/tag/home-loan/)
- [price protection](https://personalprofitability.com/tag/price-protection/)
- [cut your monthly expenses](https://personalprofitability.com/tag/cut-your-monthly-expenses/)
- [HELOC](https://personalprofitability.com/tag/heloc/)
- [hedge funds](https://personalprofitability.com/tag/hedge-funds/)
- [alternative investments](https://personalprofitability.com/tag/alternative-investments/)
- [Amended Return](https://personalprofitability.com/tag/amended-return/)
- [Digit](https://personalprofitability.com/tag/digit/)
- [prepare for a rainy day](https://personalprofitability.com/tag/prepare-for-a-rainy-day/)
- [luxury purchases](https://personalprofitability.com/tag/luxury-purchases/)
- [avoid student loan](https://personalprofitability.com/tag/avoid-student-loan/)
- [timing the market](https://personalprofitability.com/tag/timing-the-market/)
- [summer maintenance projects](https://personalprofitability.com/tag/summer-maintenance-projects/)
- [Simplified Employee Pension (SEP)](https://personalprofitability.com/tag/simplified-employee-pension-sep/)
- [Rollover IRA](https://personalprofitability.com/tag/rollover-ira/)
- [Comcast](https://personalprofitability.com/tag/comcast/)
- [ecommerce](https://personalprofitability.com/tag/ecommerce/)
- [online business](https://personalprofitability.com/tag/online-business/)
- [flippa](https://personalprofitability.com/tag/flippa/)
- [Writing](https://personalprofitability.com/tag/writing/)
- [fractional shares](https://personalprofitability.com/tag/fractional-shares/)
- [can you become a millionaire off stocks](https://personalprofitability.com/tag/can-you-become-a-millionaire-off-stocks/)
- [Spain](https://personalprofitability.com/tag/spain/)
- [Gibraltar](https://personalprofitability.com/tag/gibraltar/)
- [Portugal](https://personalprofitability.com/tag/portugal/)
- [Freelancing](https://personalprofitability.com/tag/freelancing/)
- [find a cheap house for sale](https://personalprofitability.com/tag/find-a-cheap-house-for-sale/)
- [find a cheap house](https://personalprofitability.com/tag/find-a-cheap-house/)
- [mortgage loans](https://personalprofitability.com/tag/mortgage-loans/)
- [young adults](https://personalprofitability.com/tag/young-adults/)
- [swagbucks](https://personalprofitability.com/tag/swagbucks/)
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