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Simple. Thrifty. Living. is a personal finance website geared to offer expert financial advice to everyday people. The site's writers, who are experts in their individual fields, cover everything from credit cards to secret discounts on travel. You can read more from Simple. Thrifty. Living. at

Entries by Simple. Thrifty. Living.

Are You a Spendthrift Sagittarius? Here's Some Financial Advice Based on Your Star Sign

(1) Comments | Posted August 13, 2015 | 1:57 PM

Are you a practical Taurus when it comes to money? Or a tight-fisted Capricorn? Or maybe even a spendthrift Sagittarius? Star signs can be a great indicator of our personalities, but they can also give us insight into how we deal with money. Here is a good breakdown of financial...

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6 Fastest-Growing Professions With the Highest Payscale

(11) Comments | Posted July 8, 2015 | 4:00 PM

One of the best ways to ensure you are employable and paid a good salary is to look for a job that fits your interests and has a high projected growth potential coupled with a high level of compensation. These are the six professions that are growing the fastest and...

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How to Start Investing for Less Than $100

(0) Comments | Posted June 30, 2015 | 5:05 PM

Many people assume that they either don't have enough money to invest or that most investments are going to eat up a smaller investment through fees and other hidden charges. However, there are quality investment options out there that cost very little, have no minimum investment requirements, and come with...

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Little-Known Investment Opportunities You Should Be Taking Advantage Of

(0) Comments | Posted June 10, 2015 | 1:19 PM

Small-scale investors are not limited to a handful of familiar options. These days, online platforms offer private individuals the chance to step into the same financial arenas as the biggest global financiers. Here are five attractive investing opportunities for you to explore.

1. Real Estate Investment Trusts


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Credit Repair Services vs. Repairing Your Own Credit

(0) Comments | Posted June 2, 2015 | 4:44 PM

Repairing your credit can be an uphill battle, but with the right strategy, it's possible to improve your credit health over time. The big question is whether you want to use a credit repair service to accomplish your credit repair goal or take this project on yourself. There...

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More Retirees Are Dealing With Student Loan Debt

(1) Comments | Posted May 19, 2015 | 4:22 PM

It turns out that recent graduates are not the only ones being hammered by large amounts of student loan debt. More seniors than ever before are heading into retirement still paying off their student loan debt. In 2013, seniors had about $18 billion in student debt. Last year,...

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Graduation Gifts That Set-Up Grads for Financial Success

(0) Comments | Posted May 7, 2015 | 8:28 PM

Your grad just earned their diploma and now you want to reward them with something special as they enter the job market and move forward with their life. During this pivotal period, it's a smart idea to provide them with a gift that will impart an important investment...

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What Is a Reverse Mortgage?

(1) Comments | Posted May 3, 2015 | 2:20 PM

A reverse mortgage is a type of home loan that doesn't require any payments until after you die, as long as you continue living in your home. If you move out or decide to sell your house while still alive, the reverse mortgage comes due immediately. You can...

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How Long Will It Take the Average American to Pay Off Credit Card Debt?

(1) Comments | Posted April 29, 2015 | 7:12 PM

If you're dealing with high credit card debt, you're not alone. Like, really not alone -- in fact, according to the Federal Reserve, consumer credit debt in the U.S. has topped $3.34 trillion dollars as of February 2015, which means there is slightly over $10,470 dollars of debt...

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3 Times Payday Loans Make Sense

(0) Comments | Posted April 15, 2015 | 6:57 PM

Although payday loans are a type of credit that most borrowers should avoid, there are some cases in which this type of loan is actually less costly than other alternatives. Below are a few circumstances in which taking out a payday loan is the better choice.

1. A Payday Loan...

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4 Things to Do When Your Credit Score Reaches 'Good' or 'Excellent'

(61) Comments | Posted April 13, 2015 | 9:54 PM

It wasn't easy, but your credit score just passed the 661 mark into "good" territory or the 781 mark into the "excellent" category. Congratulations, you're now a credit score champion! After you're done basking in your own glory, it's time to actually put that credit score to effective use.


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5 Signs You Are Financially Overextended

(4) Comments | Posted April 6, 2015 | 5:47 PM

Like many consumers, you could be in a financial predicament without realizing it. You may think you're managing your debt, but in reality your debt is managing you. Poor money management is the number one reason consumers experience debt disasters. If you suspect you might be on the brink of...

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Is A Debt Settlement Worth It?

(0) Comments | Posted March 26, 2015 | 12:50 PM

If you're struggling with more bills arriving each month than you're able to pay, you might consider working with a debt settlement company (which is different from a debt consolidation company, although many do both). Debt settlement companies can be helpful, but consumers should learn about how these...

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Top 10 Reasons People Go Bankrupt

(0) Comments | Posted March 24, 2015 | 4:22 PM

In today's economic climate, personal bankruptcy has climbed at an alarming rate. According to US bankruptcy court statistics, more than 1.5 million people file for bankruptcy every year. Most significantly, nearly 97 percent of bankruptcy filings are made by individuals, not by businesses.

Here are the top 10 reasons why...

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4 Biggest Targets for Identity Theft

(0) Comments | Posted March 16, 2015 | 11:48 AM

Identity theft is a growing threat throughout the world. Thieves continue to create more advanced, sophisticated and unpredictable methods to steal valuable personal information. In 2012 alone, 16.6 million Americans were victims of identity theft. The risk is real, and everyone is a target.

Identity theft occurs when a thief...

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The Best Investing Sites for Beginners

(0) Comments | Posted March 9, 2015 | 4:49 PM

With the Dow at a record high -- more than double since 2009 -- some first-time investors are concerned that it might be too late to jump into stock trading. The truth is that no investment comes with a guarantee, and experts disagree about where the market will go next.

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Are People Using Apple Pay, Other Mobile Payments?

(0) Comments | Posted February 3, 2015 | 9:10 PM

New technology that lets us pay for things with our phones sounds pretty amazing, right? It's convenient. It's easy to use. It could revolutionize the way we pay for things, making cash and credit cards obsolete. So now that the technology is here, everyone should be clamoring to use it,...

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How Working Past Age 65 Can Hurt Your Finances

(0) Comments | Posted December 16, 2014 | 6:45 PM

Every month, approximately 250,000 Americans turn 65 years of age. For most, retirement represents an opportunity to enjoy life and the leisure activities for which they simply didn't have time during their working years. But it's also a time to make important decisions about personal finances. If you haven't saved...

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What to Do When Your House Becomes an Empty Nest

(0) Comments | Posted November 11, 2014 | 2:00 PM

It's a sad moment when the last of your kids leaves home. You had decades of baseball games and sleepovers and school dances and memories that you'll carry with you forever. While that can be emotional, you should also remember that you no longer have to pay for braces or...

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Generation Gap: How Your Age Affects How You Use Credit Cards

(2) Comments | Posted October 24, 2014 | 9:34 AM

This country is billions of dollars in debt to the credit card lenders, which is a staggering number. How do you get to a point where the majority of Americans have over $10,000 in credit card debt? Who is to blame? A glimpse into the generational divide helps shed some...

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