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

8 Tips for a Frugal Valentine’s Day

by Luke Landes

For several years, it was a February tradition on Consumerism Commentary to look for moderation on Valentine’s Day. Many young couples would like to use the day to express their love, but might not have the financial means to do what television commercials make you believe is normal. If you have additional ideas, feel free ... Continue reading this article…

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How My Money Mindset Changed Four Times and Helped Me Succeed

by Luke Landes

Any self-help guru would agree that how you think about money shapes your behavior with money. If you want to improve your financial situation, whether to get out of debt or to reach financial independence, your relationship with money is the first thing that must change. If you believe you will never be able to ... Continue reading this article…

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Robert Kiyosaki Gives Readers a Second Chance

by Luke Landes
Robert Kiyosaki [via YouTube]

Over the years, I haven’t been too kind to the best-selling author, Robert Kiyosaki. He’s certainly built a successful empire, and a large community people respect him for his business acumen, his willingness to try or to appear to try to help others, and his advice. However, I’ve always found his advice thin at best ... Continue reading this article…

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New 529A Plans Help Disabled People Save Tax-Free

by Luke Landes
Wheelchair

Now that the government backed down on its proposed changes to 529 plans for future education expenses, we can expect the same tax benefits present for education to be applied to families and individuals who face expenses caring for disabled people. Families will be able to deposit funds into special savings accounts, called 529As, and ... Continue reading this article…

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5 Questions Before Applying for a New Credit Card

by Luke Landes

Since the credit crunch in the midst of the latest recession, credit card solicitations have seen a significant increase. Unless you’ve opted out, and good luck with that, you’re probably getting junk mail from credit card issuers with invitations to apply for the latest credit card offers. Don’t get too excited, especially if you have ... Continue reading this article…

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401(k) Contribution Limits for 2015

by Luke Landes

The 401(k) contribution limits and maximums are increasing in 2015, and there are other tax changes to 401(k) to note.

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Raise Money-Smart Kids: The Opposite of Spoiled, by Ron Lieber

by Luke Landes
ron-lieber1[1]

In Ron Lieber’s The Opposite of Spoiled, the author offers suggestions for raising money-smart kids based on the stories of hundreds of parents.

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How Your Positive Posse is Destroying You

by Luke Landes
Positive Posse

One of the oft repeated mantras in leadership training is to surround yourself with people who understand you and support what you do. This philosophy translates well to people who need emotional support for any endeavor, even if one’s goal is to just keep living. Everybody needs support, and everybody needs to feel that someone ... Continue reading this article…

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Who Benefits From 529 Plans, the Middle Class or the Wealthy?

by Luke Landes
Child in college

When I first began reading that President Obama was considering reducing the tax benefits for savers who make use of 529 plans and other education savings accounts to reduce the cost of education-related expenses, I was surprised. It has been my understanding that 529 plans, all though I do not have one, are intended to ... Continue reading this article…

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New Jersey Business Filing Services: Scam or Not?

by Luke Landes
New Jersey Business Filing Services

Update: I can’t believe this. I received a second notice from these hustlers — asking for even more money! Read the details at the bottom. Here’s an idea for all you people who like to “hustle” to come up with ways to earn extra income. This has happened to me many times, and it comes ... Continue reading this article…

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