Merry Christmas & A Happy New Year to All

I just wanted to apologize for being MIA lately — I realize I haven’t posted in two weeks, which is probably a record for Rainy-Day Saver. We had a death in the family, and my work schedule this time of year is completely nutty. Toss in being 30 weeks pregnant, and you have a recipe […]

America’s “Throw-away Society” — What a Waste

My car looks like this, but without the RAM air vents and the tinted windows.

I get as much use out of things as I can. I cut Brillo pads in half, mend holes my socks and salvage rolls of paper towels that fall into the sink. My husband just laughs at me. And […]

Kindle 3 vs. Nook Color: Yes, I Want an E-Reader

For someone who likes to think she doesn’t need a lot of material things, I sure like my gadgets. The past few Christmases, I’ve been lucky enough to receive a Nintendo DS, digital camera and a video iPod. While to many people, these aren’t exactly state-of-the-art electronics anymore — more a part of everyday life […]

Happy Thanksgiving: I’m Thankful for Financial Blessings

Image via Wikimedia Commons

Thanksgiving is tomorrow, and while most of us will be feasting on turkey, stuffing and cranberry sauce, there are many out there who aren’t as fortunate. Some have nowhere to go, while others head to Thanksgiving dinners hosted by food pantries and nonprofit organizations. A friend of mine has become […]

Why Co-Signing for a Loan Isn’t a Good Idea

It’s invariably happened to you or someone you know: Someone asks you to co-sign on a loan for them, whether it’s a car loan or a mortgage (but more often than not, it seems to be a car loan).

It begs the question: Should you co-sign on a loan? Ever?

The folks who will actually […]

When to Refinance Your Mortgage

Mortgage rates continue to be at record lows — as of this writing, the average interest rate on a 30-year fixed home mortgage is 4.26% — so many homeowners are probably thinking about refinancing their home mortgages. Is it worth it? Sure, you’ll see an immediate savings on your monthly mortgage payment, but you have […]

Frugality on a First Date: Are Coupons Off-Limits?

How early do you reveal your frugality to a potential boyfriend/girlfriend? I heard an interesting discussion about coupons on a morning radio show the other day. The main gist of it was whether it’s appropriate to use coupons on a first date. Most of the women felt it showed the guy to be cheap — […]

Getting Over My Fear of Investing in the Stock Market

With the interest rates on certificates of deposit at ridiculous lows — below 1% at my local bank, which usually has higher returns than the big-name banks — what’s a cautious investor to do? I still dream of the heyday of 5.5% interest rates on 6-month CDs, when I laddered CDs to my heart’s content. […]

Understanding Your Explanation of Benefits

It can be confusing to understand your Explanation of Benefits (EOB) paperwork when it comes from your health insurer after a medical visit. I know it took me a while to understand mine, especially after this year, when I received a LOT of them in response to my numerous doctor’s visits. An EOB is not […]

Investing for Baby

One of the bazillion (yes, I made that up) things I’ve been thinking about is what financial steps we should be taking to prepare for our baby. We’ve already made the obvious choice of spending less and saving more now while I’m pregnant, but we were pretty good savers before, too. But I know there […]