Advertiser Disclosure

Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. does not include all banks, credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Advertiser partners include American Express, Chase, U.S. Bank, and Barclaycard, among others.

Home Authors Posts by Lainie Petersen

Lainie Petersen

Lainie Petersen holds master's degrees in Library and Information Science, Theological Studies, and Divinity, and spent five years working in regulatory compliance for a major education publisher. A lifetime Chicagoian, she recently spent almost a year living in the woods of Southern Oregon before deciding to head back home to her family and friends.
freelance worker

How to Deal With Unpaid Invoices From Clients – Strategies & Legal Options

According to a survey by the Freelancers Union, more than 70% of freelancers report having a nonpaying client. If you're a freelancer, you know that not being paid damages your bottom line, and can even ruin your...
Need Paper Checks Use Safely

Why You Still Need Paper Checks and How to Use Them Safely

Until about five years ago, I used to carry my checkbook everywhere. In fact, some of my purses even had a special compartment that provided easy access to my oft-used pad of checks. Nowadays, however,...
Coworking Space Costs Shared Office

What Is Coworking – Pros & Cons, Hidden Costs of Shared Office Space

As telecommuting and freelancing become more common, coworking is turning into a viable alternative to working from home or a traditional office. While there are several advantages to coworking, including increased social interaction, access...
Identify Elder Financial Abuse

How to Identify Elder Financial Abuse – Types, Signs & Prevention

It seems that every few months, the media reports a case about an elderly person who was bilked out of his or her savings, investments, or home by an unscrupulous caretaker, family member, or...
Use Online Reviews Products Services

How to Make the Best Use of Online Reviews of Products & Services

If you're planning on buying a computer, dining at a restaurant, or hiring a contractor, you're also probably planning to check out online reviews of the various options beforehand. While this can be a...
Save Hair Beauty Nail Salon

How to Save Money on Hair, Beauty & Nail Salon Services

While many people think of beauty and grooming services as frivolous expenditures, the truth is that your personal appearance can make a huge difference in your finances. When you look and feel attractive, you...
Home Office Organization Ideas

6 Home Office Organization Ideas & Tips

When you work at home, you are your own office manager. Computer malfunctions, working with utility repairers, and keeping your printer paper stocked is entirely your responsibility. If you work from home, it is essential...
Tips Packing Moving Costs

Tips for Moving on a Budget – Guide to Packing & Moving Costs

Back in 2008, I began what was a series of five moves over the coming three years. Three of the moves were local, and two cross-country. During this time, I learned a great deal...

“The New Frugality” by Chris Farrell – Book Review

Difficult economic times are trying for everyone, making a gentle voice welcoming in a media atmosphere of harsh words, finger-pointing, and predictions of doom. Chris Farrell, author of "The New Frugality," is the economics editor...
Second Hand Shopping Thrift Stores

Second-Hand Shopping: How to Save at Thrift Stores & Consignment Shops

Strategies such as extreme couponing, waiting for sales, and shopping at your local dollar store can save you money on products you need. But don't overlook the humble second-hand store as a great way...
Challenges Working Home

6 Unforeseen Challenges of Working from Home – How to Avoid Home Business Doom

Home business ads consistently emphasize the dream of working from home in your pajamas and not having any boss but yourself. They also promise that you can earn "as much as you want, when...
Help Security Deposits Laws Refunds Deductions

Help with Landlord Tenant Security Deposits – Laws for Refunds & Deductions

Ah, the joys of moving to a new rental apartment or house! Not only do you have to get packed up and move, but you also have to save up the cash to make...