Cell phone expenses have been in the news this week following comments from a prominent politician about choosing between an iPhone and healthcare. Now, I don’t want to start a political debate here, but I do have some good news. With a few smart strategies, you can cut your cell phone bill so substantially that…
When to Redeem Cash Back Instead of Travel Rewards
Cash back vs. travel rewards: Which is better? Can you have both? As I’ve learned more about credit card rewards over the past few years, one thing has surprised me above all else: how uninterested many folks are in cash-back rewards. I understand the basic theory for this. People who travel frequently get more “value”…
A Family Vacation in Washington, DC that WON’T Break the Bank
Our nation’s capital is the perfect family destination—it’s a city full of sights of historic and modern significance, educational and fun activities, and a wide variety of family-friendly options. And, as many of the attractions are free, it’s a vacation spot that won’t break the bank. Below are a few of our favorite attractions to…
Our Guide to Visiting Italy for Free with Credit Card Rewards
Whenever I talk to people about their dream vacations, the topic almost always turns to Italy. After all, most people dream of seeing Venice, a masterpiece built on water which is often referred to as “the city of love.” Others want to see Rome and the great Colosseum. Of course, there’s also Tuscany, a region in central…
Meet Thomas, our New Richmond Savers Contributor
As you know, from time to time we have guest writers on the site who share our financial outlook and pass on great information to our readers. Today, I’m excited to announce that we’ll have a new writer joining us on a more regular basis, and I’d like to introduce him. I first met Thomas…
How to Stack Credit Card Rewards and a Health Savings Account (HSA)
We recently discussed how medical bills provide an opportunity to earn credit card rewards, which in turn can lower your total medical expenses. It’s a really neat concept that can make an expensive situation much more pleasant and affordable. But if you have a Health Savings Account (HSA), you can actually stack even more savings…
So, We Bought a Hot Tub…
Yes, the title is not a misprint. We bought a hot tub. Not exactly what you expect to read on a personal finance site dedicated to frugal living, right? But we got it brand-new for only $270 delivered to the house! Hopefully that makes it a little more of an interesting read… I think this…
Our Dilemma: To Buy the “Perfect” House or Not?
Laura and I have been struggling for the last few months over whether to buy a new house. And not just any house, but one very specific house that I’ll talk about below. This is really out of character for us and I can’t believe I’m saying this, as I swore our current house would…
Our 10 Night Family Trip to San Francisco for $44.80
T-minus two weeks until our big family summer trip to the San Francisco Bay Area and we couldn’t be more excited! This will be our first “real” trip with the girls (real = leaving the East Coast), and since we’re lucky enough to have family in the Bay Area …
Life Update from the Richmond Savers Family
Hi everyone, it’s been a long time since I wrote a real personal article here at Richmond Savers and I want to get back to basics and let you know what’s going on in our world, and update you on the future of this site and my other site Travel Miles 101.