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Is It Time to Dip Into Your Emergency Fund?

One of the most important things you can do for your finances is to build an emergency fund, but what is your approach to using the money in the account?

http://www.smartonmoney.com/is-it-time-to-dip-into-your-emergency-fund/
One of the most important things you can do for your finances is to build an emergency fund, but what is your approach to using the money in the account?
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What Do You Do With Your Savings?

One of the basic pieces of advice that we are often given about money is to save more. But where do you put that money?

http://www.smartonmoney.com/what-do-you-do-with-your-savings/
One of the basic pieces of advice that we are often given about money is to save more. But where do you put that money?
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Watch Out for Interest-Only Home Loans

Now that the economy has picked up some, lenders are re-introducing a few "creative" financing methods. Here's one to watch out for, the interest-only loan.

http://www.smartonmoney.com/watch-out-for-interest-only-home-loans/
Now that the economy has picked up some, lenders are re-introducing a few "creative" financing methods. Here's one to watch out for, the interest-only loan.
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3 Tips for Keeping Your Summer Budget Under Control

It's hard to keep the summer budget under control, but your finances will thank you for following these three tips.

http://www.smartonmoney.com/3-tips-for-keeping-your-summer-budget-under-control/
It's hard to keep the summer budget under control, but after all, you don't want to be paying for this summer years from now due to debt.
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Paying for Education: How to Understand Financial Aid Letters

When it comes to reading financial aid letters these days, often it's hard to separate the scholarships and grants from the loans. Here's how you can.

http://www.smartonmoney.com/paying-for-education-how-to-understand-financial-aid-letters/
When it comes to reading financial aid letters these days, often it's hard to separate the scholarships and grants from the loans. Here's how you can.
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Your Grocery Bill Could Rise with Dairy Prices
Rising dairy prices mean that you pay extra for more than just milk. A good portion of your grocery bill could be going up.
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3 Signs You Need Help with Your Debt

It's tempting to try to beat debt on your own, however, for many of us, a little support and help is needed. Here are some signs you might need help.

http://www.smartonmoney.com/3-signs-you-need-help-with-your-debt/
It's tempting to try to beat debt on your own, however, for many of us, a little support and help is needed. Here are some signs you might need help.
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Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord

There are people out there who are made to be landlords, but not me. Here's why I'd rather pay to unload my house than become a landlord.

http://www.smartonmoney.com/why-id-rather-pay-10000-to-unload-my-house-than-become-a-landlord/
There are people out there who are made to be landlords, but not me. Here's why I'd rather pay to unload my house than become a landlord.
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How To Stop Feeling Pessimistic About Retirement

Take action and start investing for retirement today. You'll feel better, and you'll be motivated to make a plan to better secure your financial future.

http://www.smartonmoney.com/how-to-stop-feeling-pessimistic-about-retirement/
Take action and start investing for retirement today. You'll feel better, and you'll be motivated to make a plan to better secure your financial future.
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5 Tips for Reducing Financial Stress

If you are experiencing financial stress, here are 5 tips that can help you reduce the stress of the situation, and possibly even come out ahead.

http://www.smartonmoney.com/5-tips-for-reducing-financial-stress/
If you are experiencing financial stress, here are 5 tips that can help you reduce the stress of the situation, and possibly even come out ahead.
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How To Handle A Canceled Flight

If your flight is canceled, how you handle it matters. While it’s never pleasant to be stranded, the reality is that you can make the situation better or worse, based on your actions. Here are some things to keep in mind:

http://www.smartonmoney.com/how-to-handle-a-canceled-flight/
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Can You Trust Your Tax Preparer?

After reading an article in CNN Money, I realized that apparently there is a rash of poor tax preparers that can land you in hot water. Do you trust yours?

http://www.smartonmoney.com/can-trust-tax-preparer/
After reading an article in CNN Money, I realized that apparently there is a rash of poor tax preparers that can land you in hot water. Do you trust yours?
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Have them in circles
340 people
Bill Rice's profile photo
Out Of Your Rut's profile photo
sam Bagons's profile photo
FreeMoneyWisdom's profile photo
Biweekly Mortgage Association's profile photo
ALT Repayment Calculator's profile photo
Jon Dulin's profile photo
Bill Hazelton's profile photo
Credit Card Smarts's profile photo
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Making smart decisions with your money.
Introduction
Smart On Money was launched in May of 2010 as a place for me to talk about a topic that I love learning and sharing about, personal finance. While I’m not a financial professional I’ve written regularly on other sites about personal finance, investing, taxes and a variety of other topics.  I decided it was time to start my own blog and write more regularly – and for myself! Hopefully this site will also be a place where we can all share our thoughts on money and relationships, and learn from each other’s experiences.  So please join in the conversation!

I’m a 30 something Christian Midwestern father of one son, and have been happily married for 10 years to my beautiful wife. I love playing tennis, shooting hoops, or taking part in the occasional flag football game. Of course, I love writing as well – writing for this site, and for several others – on a regular basis.