Recent Posts

Adjustable-Rate Mortgage vs. a Fixed-Rate

ARM vs fixed

If you’re in the market for a home loan, you may be wondering about the difference between an adjustable-rate mortgage (ARM) and a fixed-rate mortgage. In an ARM, the interest rate adjusts periodically, depending on the direction of interest rates. ARM interest rates are typically low for the initial period. After that, they go up or down, depending on the ... Read More »

How to Save for Retirement When You’re Self-Employed

Retirement for freelancers and the self-employed

We quit working our day jobs several years ago to pursue the dream of writing and working on this blog full-time — however, we also do several other freelance contract jobs, such as writing for companies, freelance construction work and more. Most employers offer a contribution match to their 401(k) plan to help employees plan for retirement, and that is ... Read More »

Financial Planning for Twenty Somethings

Financial planning for when you're in your 20s

Your twenties are an exciting time for many reasons. You graduate from college and enter the real world. You get your first job. You are likely on your own in an apartment for the first time. No parents. No roommates. You may develop a relationship with a significant other and get married. It’s also exciting because you set your own, ... Read More »

5 Cheap Family Vacation Destinations in Pennsylvania

Portrait of family of travelers on summer vacation

Summer is coming, which means it’s time to hit the road on a family vacation. Your vacation can be great without breaking the bank. And if you’re heading to the Commonwealth of Pennsylvania, well, there’s so much in store for you. Here is a list of the 5 best places to visit in PA for a family vacation that will ... Read More »

The Best, Simplest Beeswax Furniture Polish

homemade furniture polish recipe

Furniture polish is one of those chores that only gets done when you can manage it. Or, occasionally, when company is coming and you want to impress them. Getting furniture polish all over everything is kind of gross and the smell sticks around for quite a while. Some people might not mind them smell at all, but for others, the ... Read More »

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