All The Simple Dollar

Spring cleaning isn’t just an opportunity to clear out your living quarters, Hamm writes. It’s a chance to earn some money, re-examine your possessions, and even look toward the possibility of more cost-efficient housing. 

Turning your finances around doesn't happen all at once. It comes in stages. 

Keeping up with the dress code at your new workplace doesn't have to mean shelling out big bucks on a new wardrobe. Mix and match pieces and a little help from your co-workers is a good place to start.  

Figure out an emergency fund size that’s right for your life and start saving for it, Hamm writes. When things in your life don’t go as planned, you’ll be glad you have it.

Frugality isn’t about deprivation or being cheap, Hamm writes. It’s about making your money go somewhere that matters more rather than somewhere that matters less.

It’s worthwhile for everyone who’s serious about improving their financial state to spend at least some of their time and energy improving their income generation, Hamm writes.

Paying attention to 'price per unit' only saves you a few dollars in the short term, but if you make it habit, it can really add up in the long run.

Success in discussing financial issues comes down to setting a few ground rules, Hamm writes.

Choosing to bring a pet into your home is a responsibility that comes with significant cost, Hamm writes.

There aren’t any secrets to stock market success, Hamm writes. If the stock market secret did get out, it would be completely dominated by someone who studies this information far more than you or I.

The place you choose to live has a huge impact on your housing costs, but it also has a tremendous impact on your transportation costs as well, Hamm writes.

Putting all of the things you want to get done in a single place will accomplish two things: getting them done, and preventing you from spending money on entertainment. 

If life is something like a high wire act, everyone needs a financial safety net. Hamm offers his advice for developing a financial safety net for if you fall on hard times.

If you take steps to improve your auto insurance rate, Hamm writes, you’re likely taking steps that will save you in other aspects of your financial life.

Frugality reduces your monthly bills, Hamm writes, thus increasing your financial gap between spending and saving regardless of your short term professional or business success.

It is really tempting to fall into a cycle of endlessly indulging expensive desires, Hamm writes. But there are a few ways to avoid constantly spending money on high-priced luxuries. 

Over a long period of time, volatile investments like stocks and real  estate can yield big returns. But you have  to be comfortable dealing with big potential losses.  

Taking on debt for a reliable business venture can be a smart move if you follow a few simple guidelines. 

Hamm offers a step-by-step guide to investing in dividend-paying stocks.