My wife and I are planning on purchasing a home in the next year or two once the housing market stabilizes. But with the real estate bubble bursting across America, many realtors are clambering for your business. Over the past few years, membership in the National Association of Realtors (NAR) has hit record numbers, while […]

An emergency fund is an important, if not the most important, part of your general budget. Unexpected things happen in life, and odds are they cost money. If you don’t have an emergency fund to catch yourself when you fall, you can easily get caught in a endless cycle of credit card and payday loan […]

My wife and I recently purchased a new car, and I wrote a blog entry on the whole buying experience. Among the comments was a great question from Allison. She thought that you should only pay 10% of the vehicle’s purchase price as a down payment.
While having a down payment on a car is a […]

Salary negotiations are often the most stressful part of the job application. After all, the salary you agree to when you start your new job will directly affect you throughout your career at your new company. Each time you get a raise, it will be based on your current earnings. The higher your salary, the […]

I’m still so new to blogging, I figured I would try participating in a blog carnival. What’s a blog carnival? It’s a collection of links to blogs with a similar subject as your own. And it’s a great way to discover new blogs to read. Broke Grad Student hosted this week’s Carnival of Personal Finance, […]

We both graduated from college four years ago, and have been driving the same junker cars that we had in college. My wife was driving a ‘99 Mercury Grand Marquis (which she affectionately referred to as Agnes). Agnes, after 100,000 miles, was getting tired. More importantly, Agnes was getting expensive to maintain. So, after reviewing […]