How To Make Your 30s Work For You, Money-Wise

Life happens in your 30s: you may make more as you partner up and/or advance in your career; but you might also get laid off, have children, go to grad school, move, buy a house, have to deal with the death of your parents, or face any of a number of other challenges that make you put saving on hold.


How Do We Pay Regular Bills With Irregular Income?

The regular paycheck is, increasingly, a buffalo: not a fictional creature but one hunted nearly to the verge of extinction. Because it is So Damn Useful. Regular paychecks help you plan, save, and answer such important life questions as “Can I afford to have another kid?”

On a more basic day-to-day level, they also make civilization possible: when we get regular paychecks, we can pay our regular bills. Often even on time!

But more and more of us have to cope with not getting regular paychecks, like Nicole, and like the Ortiz family of fast-food workers we read about yesterday. 53 million, by one count, or 34% of the total workforce. Robert Reich thinks, “A majority of workers will be on their own by 2030.”

We deal with dry spells punctuated by irregular bursts of money. This is the new Freelance Economy, and it’s hell or heaven depending on how optimistic/entrepreneurial you are, or how much you like having coworkers, or whether you’ve ended up in this pit of uncertainty from which you must fight your way out by choice.

The takeaway at the end of the month is the same, though: how on earth will we pay our bills?


The Ways We Make Money As Minors

Meet your Next Gen financial overlords, America. They dine on caviar and apple juice.


One American’s Search for a Bank Account Abroad

Stocking up on GBP became my new hobby.


Women Are Saving More But Have Saved Less

Men aren’t saving as much proportionally but, because of a glitch in the system that works in their favor (patriarchy), they have more total.


Checks and Balances: One Lady’s Haphazard Finances

I know how to balance a checkbook because my mother taught me how the day I opened my first checking account in the spring of 2003.


Link Roundup! Fee-less Banks; Bankable Stars; When Success Isn’t a Straight Line

Success is not a straight line; success is a sine curve, even for the Internet famous. That can be really, really hard to remember, and harder still to admit.


Screwing Myself With The Credit Card I Swore I’d Pay Off Every Month

I am a person who puts debit cards in her pocket and then leaves them there, and then goes a week without it and is just like, “Okay, I don’t know where my debit card is, I know it’s somewhere in a coat pocket or a jeans pocket or a tote bag, I’ll look for it later.”


C is for Collateral

Loans with collateral are referred to as “secured debt,” and loans without as “unsecured debt.”


‘Can We Talk Finances?’ ‘Not Tonight Dear I Have a Headache’

As it turns out, you can’t merely wave your hand in a languorous way and say, “Be a dear and invest it in low-cost index funds won’t you, Philip? There’s a good chap.” I mean, for one thing, who is Philip, is he the butler? And if so how does he have access to the accounts?