Personal Finance

How to Create a Benefits Package as a Freelancer

As a freelancer, you don’t get paid vacation or employer-subsidized health care. Here’s how to create a benefits package as a freelancer. One of the most challenging aspects of being self-employed is replacing the benefits package you might have had when working in corporate America. In fact, before making the switch to freelancing full-time, it’s …

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The Truth About Credit Scores — The Post You Asked For

Here’s the truth about credit scores, how they work, and why they don’t seem to actually reflect your level of financial capability. Since writing about the way I accidentally destroyed my credit, I’ve had a lot of questions about credit scores and how they work. Let’s take a look at the truth about credit scores …

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Tell Me — What’s the Hourly Wage at Which Someone Deserves Nice Things?

We talk a lot about what’s “smart” for people to spend money on. We also tend to believe that you only deserve nice things after you’ve “earned” them. So, what’s that threshold? What’s the magical level at which someone deserves nice things? A few weeks ago, when I showed up for my volunteer shift at …

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