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Pillars of Small Business Finances

Small Business Finances: The Key Financial Pillars of Building a Start-Up

Here’s a note from a reader: “…thank you for the information you provided on Entrepreneurship on Fire. I was deeply encouraged and felt led to contact you. I am a 24 year old entrepreneur, economics and finance major, former athlete. Recently I quit my IT sales job to focus on my a project I have […]

Time Management for Part Time Entrepreneurs

Time Management for Part-Time Entrepreneurs

Part-time entrepreneurs have the best and worst of both worlds. While they face less financial risk by keeping their full-time jobs while growing their business, they run up against the problem of time management. How do you find the time to grow your business when so much of your time is already spoken for? The […]

Hawaiian Airlines World MasterCard

Hawaiian Airlines Elite World MasterCard Review – 35,000 Bonus Miles

If I were to ask you to pick one state you would want to vacation in, which would you choose?  Sure, some might say Florida, California, even South Dakota if you’re a “I love monuments” kind of guy; but I think the overwhelming majority would exclaim HAWAII. Hawaiian Airlines has 29 different locations within the […]

Foolish Financial Fees

Don’t be a Fool: Setup a Fee-Free Financial System

Did you get fooled this April Fool’s day? If you did, now is your chance to redeem yourself. Today I’m going to show you how to set up a fee-free financial system. Getting dinged with an unexpected fee can make you feel like a fool. And paying for something when there’s an equal and free […]

Free Online Checking Accounts

Free Online Checking Accounts – Updated 2014

Checking should be free. Don’t you agree? I say don’t pay a monthly fee for a checking account unless you absolutely have to. After all, you’re loaning them your money. All they’re giving you is a debit card, some checks, and a few monthly transactions with a teller. There’s four different ways to go about […]

Spend Wisely

Shoe Business Owner Steven Sashen

PTM 008 – Making Extra Money by Selling Invisible Shoes with Steven Sashen of

In today’s episode of the Part-Time Money podcast, I speak with Steven Sashen of . We discuss how to start a shoe business. Steven stumbled upon a unique shoe product idea associated with a popular trend in the running world: barefoot running. Steven makes “invisible” running shoes based off of the traditional Mexican running […]

Make Extra Money, Save More Money, Spend Money Wisely

Make Extra Money, Save More Money, Spend Money Wisely

In an effort to make PT Money more user-friendly, I’ve decided to split the site into three main areas. They just happen to be the three areas from my tagline. Basically, a majority of the content on this site (and our personal finances, for that matter) falls into one of three different areas: make extra […]

Citi logo

Citi Small Business Owner Paid Survey & Study

On rare occasion, we have the opportunity to provide some PT Money readers a little extra cash.  Right now Citi is looking for a few dozen small business owners to take part in a market research study.  If interested, you have to answer a few questions to get through the screening process, and if successful, […]

19 Summer Jobs for Teens & College Students

19 Fun Summer Jobs for Teens and College Students

Do you (or your teen) have a job for summer yet? It being graduation season, I thought I’d share some common summer job opportunities for teenagers and college students to make extra money. Some of these I’ve done myself. Others are just some of the more common jobs you hear about. Be sure to share […]

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130,000 Points for the Win: Results of My Second Credit Card App Party

When the new year rolled around and my reward point balances started to dwindle I knew it was time to once again think about doing a credit card app party (see the results of year one). An app (application) party is when you sign up with several credit cards all at once to maximize your […]

Our Recent Points Trip “Babycation” to Tucson’s J.W. Marriott Starr Pass Resort

Mrs. PT does a fantastic job taking care of our family – the two girls and I – day in and day out. Since we’re about to bring a new member of the family into the world, we figured it was time for a babymoon getaway (i.e. a little pre-”babycation”). Or, as Mrs. PT and […]

Citi ThankYou Premier Card Review

There was a time not too long ago where a bonus like the one Citi has just launched would be accompanied by similar ones from other issuers.  However in the last six months; not a single credit card issuer has come forward with an up-front bonus of this magnitude, thus making the 50,000 bonus ThankYou […]

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Part-Time Money Podcast

Phil Anderson BudgetSimple

PTM 030 – Going from Free to Paid Business Model with Phil Anderson of

Today’s podcast featured Phil Anderson, creator of, the free online budgeting tool. Phil wanted a piece of software that would simply help him manage his money. He also had a strong desire to be his on boss. So he used his software development skills to build the tool that he needed. He shared it […]

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Citi ThankYou Premier Card

Citi ThankYou Premier Card Review

There was a time not too long ago where a bonus like the one Citi has just launched would be accompanied by similar ones from other issuers.  However in the last six months; not a single credit card issuer has come forward with an up-front bonus of this magnitude, thus making the 50,000 bonus ThankYou […]

Money Saving Skills

Money Saving Skills for Your 20s, 30s, and 40s

This is article is from Charlie Cohn. He oversees’s blog. You may remember I did an interview with them recently. Here’s Charlie… Do you want to put more money in your savings? Want to stop living paycheck to paycheck? Not sure where to start? No matter how old you are, odds are that you could use […]

Kim Palmer

5 Lessons from an Etsy Entrepreneur

The following article from Kimberly Palmer is based on her new book, “The Economy of You: Discover Your Inner Entrepreneur and Recession-Proof Your Life.” When I first got the idea to launch my own Etsy shop back in 2011, I thought it was going to be pretty easy. I’d read success stories on blogs before, […]

TradeKing Button

$50 TradeKing Account Opening Bonus – EXTENDED

Update: TradeKing is giving a $50 bonus to new account holders who open their accounts before February 12th, 2014 with at least $3,000. TradeKing, one of the best online discount brokers is offering up their yearly promotion of a free $50 when you open a new TradeKing account.  This year’s bonus is slightly more difficult […]

Men vs Women Investing

Why Investing Women Rock and You Can Too

This article comes from friend and blogger Maria Nedeva. A couple of days ago I was browsing a forum on an investment-focused site. It was smooth reading, until I read: “…Women can’t invest because their heads are full of shoes and handbags.” My disbelief rapidly matured into growing irritation. Hold on a minute! I like […]

5 Years Before You Retire

Book Review: The 5 Years Before You Retire

The 5 Years Before You Retire: Retirement planning when you need it the most, just hit bookshelves. As you would expect, it’s perfect for anyone around 5 years away from retirement. So if that’s you, or if you know someone in that category, then pay attention. I read the book so I could confidently pass […]

GoBank Card and App

GoBank: Taking Your Bank Out of a Building and Into Your Phone

A bank where you decide which fees you want to pay, if any? In this age where you’re nickel and dimed for every single thing, is that even possible? GoBank is “banking” on the idea that you’ll be so pleased with their services you’ll want to pay them. But don’t expect GoBank to be a […]

Experian State of Credit 2013

The Surprising Results of My Experian Credit Educator Session

I just discovered how I can take my Vantage credit score from 834 to 865. Follow along to see how. I’m not big on obsessing about one’s credit score. You shouldn’t be either. But if a few small changes can have a significant impact on your score, then I don’t see the harm in taking […]

Where to Invest

My Approach to Stock Speculation in 2014 [Grow Your Dough Throwdown Part 1]

Today is the start of the Grow Your Dough Throwdown. I’m competing. This is my post sharing my investing strategy for the Throwdown. The Throwdown is a fun challenge my friend Jeff Rose from Good Financial Cents cooked up. It’s simple. Take $1,000 at the beginning of the year and invest it in whatever you […]

The 52 Week Money Saving Challenge

Do You Have What it Takes to Complete the 52 Week Money Saving Challenge?

Today I thought I’d share my thoughts on the 52 week money challenge and see how many of you would do something like this. How the 52 Week Money Challenge Works The idea is simple: deposit $1 into your savings account on week one of 2013, followed by $2 on week two, $3 on week […]

Rental Property Cash Flow Report

The Cash Flow Analysis for Our Rental Property at Year End 2013

Another year has passed and it’s time once again to report on the progress of our rental property. To see 2012, visit the link at the bottom of the post. Generally speaking, it’s been a very positive year. No issues with the tenant other than the threat of a job loss, which would have forced […]

Christmas Gifts for Children

15 Fantastic Financial Christmas Gift Ideas for Children

Let’s be honest. Your child doesn’t need yet another toy. Sure, they’re fun, but after a couple of weeks, toys are forgotten or broken (or both). Plus, what long-term benefit does a toy offer? None. In these economic times, you might try something a little bit different. If there are kids in your life, you […]