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David Bakke
David started his own personal finance blog, YourFinances101, in June of 2009 and published his first book on ways to save more and spend less called "Don't Be A Mule..." Since then he has been a regular contributor for Money Crashers. He lives just outside Atlanta, GA and most all of his free time is taken up by his amazing three year old son, Nicholas.

ThreeJars Review: Family Allowance Management

By David Bakke

Limited Time Offer: Sign up for ThreeJars using coupon code MONEYCRASHERS to get $5 off the $30 annual fee!

online allowance for kidsI recently came across the website ThreeJars, where you can set up an allowance account for your children.  I found the site to be both intriguing and innovative, so I thought I would crystallize and share what I found out about it with you.

The Basic Concept

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How To Get Rid Of Household Bugs

By David Bakke

how to kill indoor bugsAbout the only thing that I hate more than common household bugs is the money that I have to spend to rid my house of them. The house that I live in is getting up there in age (it’s about 15 years old), so there are plenty of cracks and crevices throughout. I already do my best to go green with natural household cleaners which can help with the cause, but getting rid of these household bugs can get expensive.

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Obey Your Traffic Laws (From The Five Minute Money Manager)

By David Bakke

save money on drivingA co-worker of mine recently came into work with one of those viral emails that stated that our local law enforcement was going to pull over one driver for every hour they worked for various traffic violations starting in the month of September. The message stated that the government would raise $8 million in revenues based on this project.

I immediately dismissed the whole thing as a bunch of crap, and teased her about it for the next several days.

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5 Unique Ways To Save On Dry Cleaning

By David Bakke

ways to save on dry cleaningOne thing that really drives me, that motivates me like you wouldn’t believe, is trying to find ways to be frugal when it comes to the “everyday” and “mundane” stuff. Saving money on things that you would never think that you could save money on is very motivating for me.

Why Bother?

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How to Choose the Right Toys For Your Children

By David Bakke

save money on toysFor those of us that have children, I think it’s pretty common knowledge that the cost of raising a child is by no means cheap. Also, for us first-time parents, we don’t have the luxury of “hindsight” so I am sure there are quite a few things we have “wasted” our money on during a child’s lifetime. Therefore, what I want to do in this post is identify as many ways as I could to save on the expenses of raising a baby.

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4 Tips To Save On International Travel

By David Bakke

cheap international travelOne of the biggest benefits that I have ever gained from getting myself out of debt is to have the financial means to travel internationally. Of course it is a matter of personal taste, but if my choices are driving a brand new sports car or taking several trips to foreign countries, it’s an easy decision. Buy the latest flat screen TV or take a sightseeing trip through Europe? It’s a no brainer. There is nothing as fulfilling to me as being able to experience a new part of the world.

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eBay or Amazon Review: The Best Place to Sell Your Unwanted items

By David Bakke

In this day and age of trying to deal with the recent economic downturn, more and more people are looking to sell unwanted or unused items that they have in their homes. People that have never before even thought of selling these items on the internet are now exploring the possibility.

There are many options out there, but the two biggest players in the game are eBay and Amazon. For both places, you basically list the item at the price you want to sell it for, and then wait for someone to decide that they want to buy it at your price. However, both sites have their advantages and disadvantages and I want to go over the highlights of each.

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4 Bank ATM Machine Skimmer Fraud and Hacks To Watch For

By David Bakke

how to safely use atm machineThe best piece of advice that I can give you when it comes to the use of ATM/debit cards is this: be careful.

Personally, I own a debit card and I do carry it with me, but mainly for emergency purposes and because it’s a debit card that can actually generate rewards. Believe it or not, I would say I use it maybe one time per year because of the huge dangers involved.

Paranoia?

Am I sounding paranoid? Am I just spouting off and making a mountain out of a molehill? Here are 4 reasons to help you understand my perspective:

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How To Get The Most For Your Unwanted Gold

By David Bakke

get the most for your goldIf you haven’t been exposed recently to at least some form of advertisement regarding what to do with your unwanted gold, you have probably been living under a rock. The “great ideas” range from sending it through the mail, to dropping it off at a “We Buy Gold” place, to attending a gold buying party.

Where To Go To Sell Your Gold?

Little pop-up walk-in gold stores have flooded my town over the past several months. They are literally everywhere.

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The Benefits of Carpooling and How to Incorporate It Into Your Life

By David Bakke

should I carpoolWhen I think of carpooling, the first thing that comes to mind is that it’s not feasible or convenient, so why bother looking into it? The way my work schedule is, there aren’t too many people that drive into the city when I do and go home when I do. Moreover, while some people live fairly close to me, it’s still a bit of a trek. I think we all know that carpooling can free up our budget a little, but is it really worth it?

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Beware Of New (And Sometimes Hidden) Governmental Fees

By David Bakke

avoiding government feesI have recently noticed a few things in my daily life that has led me to believe that our government is doing anything in its power to stick its hand in my pocket and take out more money than ever. Call me a conspiracy theorist if you like, but this economic recession has affected all of us, including governments. Budget shortfalls it seems are daily fodder on our news broadcasts.

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Outright Review – The Best Free Small Business Accounting Software Online

By David Bakke

The number of online accounting websites out there seems to be increasing by the day. They are popping up all over the place. One that I recently had the chance to take a look at is Outright. Their claim is that with their website you can “free yourself from accounting.” Outright is designed for sole proprietorships and single member LLCs. In layman’s terms, they are designed for the self-employed and small business owners. And, as an owner of two small businesses myself, I can tell you from personal experience the absolute need for something like Outright. And Outright seems to handle it all.

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Investing For Beginners: Pay Yourself And Your Debts First

By David Bakke

where to begin investingThis is the first installment in what will be a continuing series on tips for investing for beginners. I am not an expert, but I think I can shed some light on the topic because it was only a few years ago that I myself was a beginner. Rather than getting discourse from an investment expert who has worked in the field for the last thirty years, I can remember some of the initial questions that I had and hopefully I can answer some of them for you.

Where to Start?

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Discover Bank Review: A Better Way To Save

By David Bakke

discover bankI have been a member of Discover for many years. Recently, while checking out my account on their site, I came across a service that they offer that I never even knew about. It’s called Discover Bank, and its catch phrase pretty much says it all: “A better way to save.” As part of Discover Bank, the service offers rates that are five times the national average for their online savings account.

Online Savings Account

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Personal Finance Round-Up: The Real Skinny on The Cheapest Long Distance

By Money Crashers

There are so many different options for where to go for our long distance calling that it can get confusing as to which option is really the best. Is your cell phone the cheapest? Your computer? Who knows? Well, Wallet Pop recently did one of their many Savings Experiments to find out What’s The Cheapest Long Distance? Check out the video there as well.

The results may surprise you.

And also, here are a few other articles you may find of interest from our friends out there in the personal finance community.

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