As featured in The Wall Street Journal, Money Magazine, and more!

February 2008

Big Mistakes That Cost, Part 2

by Luke Landes

Focusing on small spending habit changes is a good way to save significant money over the long term. No matter how many daily lattes you forgo, if you make poor spending decisions on major expenditures, all your ECRD savings could be negated in one moment. Consumer Reports has identified some of these major mistakes that, […]

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Big Mistakes That Cost, Part 1

by Luke Landes

It’s great to focus on the little things that save you money, like The Expensive Coffee-Related Drink Factor. Reducing small, regular expenses add up over time. But all that focus on the minutiae is for naught if you make big mistakes. Consumer Reports recently published an article that explains how much some of those big […]

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Jung Typology and Finance: Introversion vs. Extraversion

by Luke Landes

One of the most popular personality measurement systems is the “Jung Typology” test, also known as the Myers-Briggs Type Indicator (MTBI) test. These are popular in Psychology 101 college courses and corporate management seminars. The object of this test is to quantify an individual’s personality along four separate dimensions. Each dimension has two options on […]

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6 Tips for a Frugal Valentine’s Day (Reprint Plus)

by Luke Landes

This article was published here on Valentine’s Day 2007. I enjoyed it so much, I decided to reprint it with perhaps a few updates every successive Valentine’s Day for the rest of my life. Enjoy. Do you want to be romantic and save money? In a world where romanticism is portrayed by the media as […]

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Tax Rebate Calculator Updated (and Blog Roundup)

by Luke Landes

I’ve updated the economic stimulus tax rebate calculator. The old version, taken from PBS Newshour, did not take into account changes included by the Congress before passing the bill. The complete details of the economic stimulus package are provided at the Library of Congress. Take a look at the new calculator to find out how […]

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Financial Attitudes: Charles Schwab’s Categorizations of Generation X

by Luke Landes

I found this in my spam e-mail box today. It’s not spam, it’s marketing from Charles Schwab. The message is interesting enough for me to post because it brings up a nuanced topic: personality categorization. When the media invokes the term “Generation X,” they’re referring to a certain age group in which everyone has enough […]

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File Taxes for Free With I-CAN!, But is it Accurate?

by Luke Landes

The popularity of filing tax returns online has risen in the past few years thanks to online programs that make it incredibly easy. Unfortunately, the IRS doesn’t let you file your taxes online directly, you have to go through third parties like H&R Block or Intuit to do so. My third part of choice over […]

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How to Save a Million Dollars at Any Age: 55 Years Old

by Luke Landes

Right now, I’m listening to the album, Raising Sand, by Robert Plant and Alison Krauss, released last year. Robert Plant will be 60 years old in August. I imagine he’s not thinking about retirement and we’ll continue to hear new music from him until he finally keels over. Unless you are one of the few […]

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Purchased a New Camera (and Blog Roundup)

by Luke Landes

Part of being completely open with my finances on Consumerism Commentary involves sharing “major” purchases. One such purchase occurred this weekend. After quite a bit of research and waiting, I ordered a Canon Digital Rebel XTi SLR camera (10 megapixels) from Amazon.com with some additional accessories. Prices were significantly lower than what I could find […]

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How the Economic Stimulus Tax Rebate Will Affect 2008 Tax Returns (Updated January 26, 2009)

by Luke Landes

This article is for tax year 2008. For 2009 and beyond, see our roundup of 8 (or more) Ways to Benefit from the American Recovery and Reinvestment Act of 2009 (AKA Stimulus Plan). If you’re trying to understand the recovery rebate credit or why it seems like you owe your stimulus back to the government, […]

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