Debit versus Credit

  • It’s Labor Day, Are You Laboring?

    Here’s a bit of Labor Day history for you. The first Labor Day holiday was celebrated on Tuesday, September 5, 1882, in New York City. Before the turn of the 20th century the entirety of the United States had adopted Labor Day as an official holiday; to be celebrated on the first Monday of every…

  • The State of the Personal Finance Blog, 2011

    When I started this blog in October of 2007 I didn’t know where it would eventually end up. I still don’t. The personal finance blog by Debit versus Credit has had its ups and its downs, but through it all it’s still here. That’s my biggest accomplishment so far; that’s what I’m most proud of.…

  • Personal Finance Tips for Students

    As a student the last thing on your mind is probably personal finance, and related personal finance tips & advice. Nonetheless while you are in your 20’s you are at a critical point in your life and following personal finance tips for students is something you’ll wish you’d done when you are older. I guarantee…

  • Pay Yourself First Doesn’t Mean You Can Live Beyond Your Means

    It’s your money and I don’t have any right to tell you what to do with it. On the other hand, you’re here because you’re looking for advice. So consider this advice: Don’t blow all of your savings on your lifestyle! If you’ve set up an automatic savings plan (about the only budget that most…

  • Emotions Have No Place With Investing

    Investing and emotions don’t belong together. They never have and they never will. In fact if you want a sure fire way to lose money while investing then by all means let your emotions make your decisions. However if you are in it for the long haul and just want to grow your wealth by…

  • I’ll Soon Be Making Less Money but Saving More With An Automatic Savings Plan

    As I mentioned a few days ago I’ve accepted a new job where I’ll be taking a pay cut of approximately $10,000 a year when compared to my current salary. If you read that post then you would understand why I felt this would be a good idea, but suffice it to say that I’m…

  • Why I Accepted a Job Offer For $10k Dollars Less Than I Make Now

    I’ve accepted a new job with a small tech/advertising company, which I’ll be starting in less than two weeks now. The catch? My salary will be decreasing by a little more than $10,000 a year with this new position when compared to my current job. I know what you’re probably thinking. It seems odd to…

  • Must Read Posts That I Linked To on Twitter the Week of July 18th

    I’m constantly scouring the internet for interesting articles and posts about personal finance, entrepreneurship, business trends and whatever else I happen to find interesting at the time. I then turn around and share the best material I can find with my followers on twitter. I wanted to share a few of my favorites from the…

  • Build Wealth by Investing in Mutual Funds

    Everyone wants to know what the next hot stock will be. What they all fail to realize is that investing isn’t about picking the right stocks at the right time. Investing isn’t sexy like those jerks on Wall Street portray it — in fact if you want to lose lots of money very quickly you…

  • Why You Need a Renter’s Insurance Policy

    This is a guest post from Bailey Harris. Bailey enjoys writing about insurance and related topics. Many renters feel that they do not need to have a renter’s insurance policy. They either assume it is expensive and a waste of money or that they are covered under the landlord’s homeowners insurance policy. The truth is…

  • Why Numbers Don’t Lie, But People Do

    Any statistician will tell you that number’s don’t lie. What most fail to mention is that while numbers don’t lie, the people reporting them often do. I was lucky enough to take a statistics class in college with a professor who kept it real. “[Numbers] can be manipulated,” he said, “by people who want to…