My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Why Don’t More People Use Programmable Thermostats?

The hottest time of the year has arrived. The U.S. Energy Information Administration (EIA) shared some results from their 2015 Residential Energy Consumption Survey in regards to air conditioning. A programmable thermostat can save you a … [Read the rest]

Landline Phone Replacement: OBi200 Adapter $40 Deal + Installation Tips

Updated. If you still like the idea of landline phone service and multiple handsets around the house, Obihai VoIP boxes are officially supported by Google Voice to provide unlimited free calls to the USA to Canada. That's totally free: $0 a month … [Read the rest]

Money Buys Happiness… If You Outsource Your Unwanted Chores

First, you were told that the best way to buy happiness was to buy experiences, not things. Other research then said happiness can come from buying the right things. Here's another academic study making the rounds (WaPo, NYT): Buying time … [Read the rest]

Low-Cost Funds Capture Nearly All of the Market’s Gains (and Losses)

Here's a quick snapshot that illustrates why Vanguard and other low-cost funds are taking assets from active managers. Via this Bloomberg article. The US stock market has been on a great run for nearly 9 years now, and low-cost funds have been … [Read the rest]

What if the North Pond Hermit Has Pursued Early Retirement Instead?

Of my summer reads was The Stranger in the Woods: The Extraordinary Story of the Last True Hermit by Michael Finkel. Many people dream about leading a "quiet life" away from all the hustle and bustle. The "North Pond Hermit", real name … [Read the rest]

The Intangible Benefits of Saving Money: Flexibility and Robustness

Need a break from the charts? Morgan Housel has an insightful article Let Me Convince You To Save Money that includes no historical data, no survey results, no fancy infographics. Read the whole thing, but here's my favorite excerpt: But the … [Read the rest]

Dorco Coupon: 1-Year Supply (28 Razors) for $24 + Free Shipping

My strategy for saving money on shaving is simple. I buy a bunch of razors once every 2 years, and use one razor per month. I try not to pay more than $1 per razor, so my total shaving bill is under $12 a year. To make sure they stay … [Read the rest]

Who Maxes Out Their 401k, And Where Do They Make Sacrifices?

The Principal Financial Group surveyed "younger" retirement plan participants ages 23-51 who contributed at least 90% of the annual 401(k) maximum limit. That means they put away at least $16,200 each (limit was $18,000 for 2016/2017). These … [Read the rest]

JetBlue Free Mosaic Status Match + Challenge

JetBlue Airlines has a free status match program where they will upgrade you to JetBlue Mosaic status if you have elite status with another airline loyalty program. Here are the qualifying levels at other airlines: Virgin America: Elevate … [Read the rest]

Chart: Hours of Work Required To Buy S&P 500

As the US stock market keeps going up, it feels like everyone is whispering the same thing: We are near a top. It's easiest to do this with numbers. Here's a valuation metric that divides the price of the S&P 500 stock index by the median US … [Read the rest]

Choice Hotels Free Elite Status Match

Choice Hotels is also offering a public free status match to Gold or Platinum Elite status from another hotel program. Potential perks include point bonuses on qualifying stays, longer booking windows for reward nights, and a free welcome gift. … [Read the rest]

Pretirement App: Interactive Countdown Clock to Financial Freedom

What would you do if you knew that skipping that morning $4 coffee/muffin combo every day would get you 8 months closer to financial freedom? What if I told you that buying that $40k car instead of the $25k one would only extend your working years … [Read the rest]