Why Your Apartment or Condo Needs Renter’s Insurance

Austin, who occasionally writes here at PT Money, is in his 2nd year of teaching English in western Japan. With the Japan Tsunami fresh on his mind, he generously offered to write a couple of pieces on preparing for major disasters. You can check out his personal finance site for 20-somethings at Foreigner's Finances. One of my best friends lives in Birmingham, Alabama and was luckily 5-10 miles away from a destructive tornado this week that took out houses in … [Read more...]

How to Prepare Your Wallet for a Disaster

Austin, who occasionally writes here at PT Money, is in his 2nd year of teaching English in western Japan. With the Japan Tsunami fresh on his mind, he generously offered to write a couple of pieces on preparing for major disasters. You can check out his personal finance site for 20-somethings at Foreigner's Finances. I teach English in western Japan and was here last month to witness first-hand the carnage that the Tōhoku earthquake and tsunami had on the … [Read more...]

Do You Know Your Daily Salary? Use it to Better Understand Your Money

I got dinged for an overdraft fee in my checking account 2 months ago. I was being lazy and made a transfer when I shouldn't have. My account was charged $37. My first reaction was: "Eh, who cares? I make $37,000 a year; $37 is nothing." But I found myself making this excuse a lot. Using the large number of my year's salary to justify tiny and unnecessary double-digit purchases (I know my salary's not large, but 5-digits is larger than 2). It's difficult to fully … [Read more...]

5 Things Every College Grad Must Do in June

Congratulations Class of 2010! You've worked your butt off for over 15 years and now it's time to put your skills to work and help out planet Earth. But one hiccup that prevents new grads from truly chasing their dreams is being behind on a bad money situation. You can't go after the dream job or work the extra internship if you're swimming in credit card debt or spending $800 a month at the bar. Here are 5 things every college grad must do around graduation … [Read more...]

The Benefits of a Joint Checking Account For Your Relationship

Are you ready for a joint checking account? I like to have control over my money. I like to know where it is at all times and I don't like lingering IOU's. So when my girlfriend of two years and I started living in the same apartment complex last year and sharing groceries, it caused some tiffs. On top of that, we were over the chivalrous stage of the man buying all the meals and instead splitting dinners out. We were constantly trying to figure out who paid … [Read more...]