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Savings

5 Budget Ideas for Spenders
2 months ago

5 Budget Ideas for Spenders

Everyone needs a budget. Without one, your household finances can quickly fall apart, leading to late bill payments, bank account overdrafts and financial stress. While it’s easy enough to put …
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Tips for Saving Money in the New Year
2 months ago

Tips for Saving Money in the New Year

A new year often means a new focus. You might resolve to lose some weight, get to the gym more often, spend more time with family or save more money. …
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50 and No Nest Egg: What’s a Girl to Do?
2 months ago

50 and No Nest Egg: What’s a Girl to Do?

There are a few facts in life that we cannot avoid. One, we are all born to grow old. Two, we’re expected to pay taxes. And three, if you don’t …
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How to Build Wealth From Nothing
5 months ago

How to Build Wealth From Nothing

Everybody wants the security that comes from having their finances in order and building wealth. Even if you have nothing now, you can start applying wealth-building techniques to achieve your …
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American Express Personal Savings Review
5 months ago

American Express Personal Savings Review

If you are thinking about opening an online bank account, American Express personal savings could meet your needs. You’ll enjoy advantages such as high interest rates and no fees. Here’s …
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Financial Freedom: Ways to Make Extra Money
6 months ago

Financial Freedom: Ways to Make Extra Money

Whether you want to earn extra money on the side or are interested in making a complete career change, there are many ways to work towards financial independence that don’t …
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Why You Should Invest in Your Child’s Future Now
6 months ago

Why You Should Invest in Your Child’s Future Now

Today’s economy isn’t as bleak as it once was, but rising prices and a tough job market still make it difficult for many young people to make a good living, …
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5 Financial Mistakes You Made in Your Twenties – And How to Fix Them
6 months ago

5 Financial Mistakes You Made in Your Twenties – And How to Fix Them

Financial finesse often comes with age and experience. This later-in-life refinement often means you made some less-than-stellar money decisions in your younger years. The following are five financial mistakes you …
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6 Painless Ways to Save More Money
7 months ago

6 Painless Ways to Save More Money

If you’re struggling to save money, you’re certainly not alone. An estimated 46 percent of Americans would struggle to cover a $400 expense in an emergency. For many, stocking away …
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Here One Minute, Gone the Next: Why Lottery Winners Often End Up Broke
7 months ago

Here One Minute, Gone the Next: Why Lottery Winners Often End Up Broke

If you were asked to guess what could increase your chance of substance abuse, divorce, depression, suicide and even falling victim to murder, you might not answer with winning a …
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How to Fix Your Budgeting Weak Spots
7 months ago

How to Fix Your Budgeting Weak Spots

If you’re serious about getting your financial life in order, your first step is to make a budget. If you haven’t made one yet, stop everything and get cracking with …
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How to Cash Checks Without a Bank Account
7 months ago

How to Cash Checks Without a Bank Account

More than 37 million people in the United States do not have a bank account, which puts them in a difficult situation if they receive checks. The unbanked population has …
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Is a Certificate of Deposit Right for You?
8 months ago

Is a Certificate of Deposit Right for You?

A certificate of deposit (CD) is a type of investment which is similar to a traditional deposit. With a CD, you place a certain amount of money into an account …
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What any Broke College Student Should Have
8 months ago

What any Broke College Student Should Have

Growing up is never easy, but you will have to become an adult one day. If you take the time now to get your financial house in order, you’ll have …
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5 Ways to Pay When You Don’t Have an Emergency Fund
10 months ago

5 Ways to Pay When You Don’t Have an Emergency Fund

Emergencies have ways of cropping up when we’re least-equipped to cope with them, and personal crises often come with big price tags. If you don’t have a rainy-day savings …
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What is an SEP IRA?
10 months ago

What is an SEP IRA?

If you’re looking for a good way to save for retirement while lowering your tax burden, an SEP IRA could offer the advantages you need. SEP IRA stands for …
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How to Make More Money by Closing Your Savings Account
12 months ago

How to Make More Money by Closing Your Savings Account

Closing your savings account could be one of the best things you do to make more money. Savings accounts are popular because the money is there when needed. However, the …
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Money-Savvy Graduation Gifts
12 months ago

Money-Savvy Graduation Gifts

Few young people learn the skills they need to build strong financial lives. They simply never get the exposure they need to develop habits like saving and investing. As …
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How to Reach Financial Security by 30
12 months ago

How to Reach Financial Security by 30

Are you in your 20s, putting together the foundation of your future and wondering about how to start building financial security? Congratulations: Being young and at the beginning of your …
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5 Smart Ways to Spend Your Tax Refund
1 year ago

5 Smart Ways to Spend Your Tax Refund

If you’re one of the 80 percent of American workers expecting a refund from their tax return this year, you’re probably already planning how to spend it. While it’s …
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How to Survive Without a Bank Account
1 year ago

How to Survive Without a Bank Account

Conducting daily life without a bank account is becoming trickier as more and more transactions move online, but many people still find a way to successfully manage it. According to …
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Best Ways to go Down to a Single-Income Household
1 year ago

Best Ways to go Down to a Single-Income Household

Although transitioning to a single-income household from a dual-income household can be tough, certain strategies can make it much easier. Here are the best ways for you to make this …
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What to do with Your Holiday Bonus
1 year ago

What to do with Your Holiday Bonus

If you’re lucky enough to have received a holiday bonus from your employer, you may be tempted to celebrate your luck by spending all the money at once on a …
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2016 Money Resolutions You can Actually Keep
1 year ago

2016 Money Resolutions You can Actually Keep

If you’ve got bold plans for improving your personal finances in 2016, New Year’s resolutions can provide the inspiration you need. Unfortunately, change is easy to begin but hard to …
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The Best 2016 Savings Challenges
1 year ago

The Best 2016 Savings Challenges

Saving money is easy in principle but difficult in practice. In theory, all you need to do is spend less money than you make, and set the extra income …
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4 Board Games That Teach Kids About Money
1 year ago

4 Board Games That Teach Kids About Money

Board games are always a fun family activity, and they can also be educational. There are several board games you might have played yourself that will teach children about finances. …
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When to Pay Debt and When to Save
1 year ago

When to Pay Debt and When to Save

When you get a little extra cash, it can be difficult to determine whether you should use it to pay down your burdensome debt or save it for your future. …
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Money Mistakes You Should Stop Making by 30
1 year ago

Money Mistakes You Should Stop Making by 30

Your priorities change as you grow older, and the things you once spent your money on might change as well. Additionally, you begin to focus more on saving rather than …
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3 Money Fears and How to Stop Being Afraid
1 year ago

3 Money Fears and How to Stop Being Afraid

It’s normal to have money fears, no matter where you are in life. Some people worry naturally, and many folks associate money with their problems. For example, money is a …
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How to Most Efficiently Use a 529 Account
1 year ago

How to Most Efficiently Use a 529 Account

Saving for your child’s college education is an important responsibility you have as a parent. An excellent way to help you achieve this is through a 529 account. A 529 …
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How to Make a Living Being an Uber Driver
1 year ago

How to Make a Living Being an Uber Driver

Finding a lucrative job to help you pay the bills each month is hard for many without a strong skill set. Thankfully, in lots of major cities across America, people …
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How to Become Your Own Financial Planner
2 years ago

How to Become Your Own Financial Planner

Financial planners can help you make the right decisions for your investments, create a retirement strategy, and even guide you out of debt. However, there are seemingly endless educational resources, …
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Help Your Pocketbook, Help the Planet
2 years ago

Help Your Pocketbook, Help the Planet

Confucius said, “He who does not economize will have to agonize.” Fortunately, when you embark on a thrifty lifestyle, you can live better rather than feeling deprived. You’ll also have …
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5 Easy Ways to Cut Monthly Expenses
2 years ago

5 Easy Ways to Cut Monthly Expenses

If cutting down on monthly expenses is something you’ve tried, you know it’s not easy. Overspending is a bad habit that requires varying doses of time, discipline and determination to …
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Want to Start Saving? Here’s How.
2 years ago

Want to Start Saving? Here’s How.

Want to start saving money? Of course you do. Everyone does, but not everyone is sure how to start. Here are five steps that can get you started socking away …
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Don’t Live Up to the Poor College Student Stereotype
2 years ago

Don’t Live Up to the Poor College Student Stereotype

College is a time where self-exploration runs rampant. For most, it’s the first time you live outside your parents’ guidelines. It’s now self-motivation driving you to get to class on …
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How to Save Half of Your Income
2 years ago

How to Save Half of Your Income

You may think it’s impossible to save half of your income, but we’re here to tell you that it’s possible. Saving money is a necessary part of your lifestyle, especially …
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5 Things Everyone Should Know About Finance
2 years ago

5 Things Everyone Should Know About Finance

Admit it, whenever you hear the word “finance,” you zone out. But your financial health is as important to your life as your physical, mental and emotional health. If you …
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How Much Would You Have to Save Every Year to Send Your Kid to College?
2 years ago

How Much Would You Have to Save Every Year to Send Your Kid to College?

College costs are increasing with each passing year, but they are less intimidating if you start a savings account or 529 college savings plan well in advance of when …
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Things That People Forget to Budget For
2 years ago

Things That People Forget to Budget For

It never seems to fail. You budget your finances at the beginning of the month and you include all the essentials. You have your mortgage payments, your utilities, and your …
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5 Ways to Stay on Budget this Summer
2 years ago

5 Ways to Stay on Budget this Summer

The call of the sun and the sand is hard to resist, and so is the urge to blow your budget on vacations and weekends out on the town. Budget …
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How to Lower Your Energy Bills
2 years ago

How to Lower Your Energy Bills

If you’re struggling to pay your energy bill, there are various programs that can help. The federal government, states and even utility providers offer assistance to help you pay your …
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The Difference Between Inexpensive and Cheap
2 years ago

The Difference Between Inexpensive and Cheap

Whether shopping for big-ticket items or everyday groceries, finding a bargain is one of life’s simple pleasures. Oftentimes, your search for a deal leads you to a crossroad between sacrificing …
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Top 5 Money Tips for Anyone 55+
2 years ago

Top 5 Money Tips for Anyone 55+

Just as you are a different person at 55 than you were at 23, your personal investing strategies need to change as you grow older. Here are a few basic …
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3 Ways People Flush Away Free Money
2 years ago

3 Ways People Flush Away Free Money

Smart saving strategies are within your reach, but you have to take advantage of these opportunities to increase your cash flow and savings. Here are some ways you can make …
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How to Deal with a Financial Windfall
2 years ago

How to Deal with a Financial Windfall

In the course of a lifetime, many people experience an unexpected financial windfall at least once. The source might be an inheritance or life insurance payout, the proceeds from selling …
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5 Ways to Earn Extra Money this Summer
2 years ago

5 Ways to Earn Extra Money this Summer

If you’re like most people, you may be looking for some ways to earn a little bit of extra cash this summer. Maybe you’d like to pay for a luxury …
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4 Ways to Spring Clean Your Finances
2 years ago

4 Ways to Spring Clean Your Finances

Spring is here, and while you’re chasing those dust bunnies out of their corners, don’t forget to put aside some energy to spring clean finances. It’s always easier to make …
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Why You Should Throw Out Your Budget

Having difficulty creating and/or sticking to a budget? Or trouble getting on the same money page as your partner? Hate the constraints of a monthly budget? Experts now suggest you …
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How to Combine Your Finances After You Get Married
2 years ago

How to Combine Your Finances After You Get Married

Combining your marriage and your finances may not sound so pleasant once it’s time to lay it all out on the table. Married couples face a lot of financial issues …
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How to Find Out How Much You Are Worth
2 years ago

How to Find Out How Much You Are Worth

Have you ever wondered what your net worth is? Net worth is not a figure that arises in day-to-day decision-making, but being aware of how much you are worth is …
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How to Make a Financial Bucket List
2 years ago

How to Make a Financial Bucket List

Creating a bucket list is all about refining your goals and striving to achieve the things that are truly important to you. A financial bucket list is no different. All …
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The Benefits of an Online Savings Account
2 years ago

The Benefits of an Online Savings Account

Many people manage their bank accounts online, which is why the increased popularity of online savings accounts is not surprising. Those who already have online accounts are aware of their …
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How to Plan for Retirement When You are Almost Retired
2 years ago

How to Plan for Retirement When You are Almost Retired

Everyone knows that saving for retirement is important, but that doesn’t necessarily mean that everyone has managed to get it done. Social Security provides an average of $1,294 per month …
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UPromise vs Other 529s: Which Is Better for Saving for College?
2 years ago

UPromise vs Other 529s: Which Is Better for Saving for College?

When it comes to saving for college, panic shouldn’t be your chief planning tool. Ditto for denial.

No matter your income there are solutions that will make a measurable difference …
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Are You Living Beyond Your Means?

Could you possibly be living beyond your means and not know it? It is more common than you think. Most people don’t end up in debt all at once. It …
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4 Reasons to Get a 529 for Your Kids

College is expensive and getting more expensive every year. Annual tuition increases are significantly outpacing the rate of inflation and growth in wages. State and federal financial aid programs, such …
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5 Ways You Waste Money Without Knowing It

You try to be as conscious as possible when it comes to being thrifty, but even the most thrifty of us can be caught up in overspending. There is a …
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5 Best Bits of Money Advice from the Rich
2 years ago

5 Best Bits of Money Advice from the Rich

While not all the rich are the best when it comes to handling money, the richest man in the country knows a thing or two about how to save. Warren …
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What Your Money Dreams Really Mean
2 years ago

What Your Money Dreams Really Mean

Money is constantly on our minds, so of course we tend to dream about it from time to time. But what do the dream you are having about money actually …
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3 Important Ways Monitoring Your Credit Can Save You Money

Over half of people don’t know their credit score and even more have never seen their credit report. While it might not seem like a big deal, these people could …
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Simple Ways to Grow Your Savings
3 years ago

Simple Ways to Grow Your Savings

Most people today are looking for ways to increase their savings while sticking to a budget. Effectively managing money can be a challenging task for most folks. However, there are …
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Saving Vs. Debt Reduction: Which Is Better?
3 years ago

Saving Vs. Debt Reduction: Which Is Better?

By  •  Savings, Debt

You may have heard that it’s important to have money in savings to cover emergencies, give you the income you need to retire or help you achieve financial goals that …
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Downpayment Options for First-Time Home Buyers
3 years ago

Downpayment Options for First-Time Home Buyers

Are you considering purchasing a home? The downpayment on a first home is usually the biggest obstacle for homebuyers due to the fact that it is difficult to come up …
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When It’s Not Worth It to Pay Off Your Debt
3 years ago

When It’s Not Worth It to Pay Off Your Debt

By  •  Savings, Debt

If you’re in debt, you may want to pay it off as quickly as possible. In some cases, though, prepaying your debt has no financial benefits and may actually hurt …
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What Retirees Wish They Knew About Retirement Savings Earlier
3 years ago

What Retirees Wish They Knew About Retirement Savings Earlier

Retirement is supposed to be a golden time when people reap the rewards of having worked hard and spent wisely throughout their working lives. Not only do retirees have more …
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Will 401(k)s be Obsolete in 30 years?
3 years ago

Will 401(k)s be Obsolete in 30 years?

401(k) retirement plans have only been around for a little more than 30 years, but will they still be around in another 30? 401(k)s were created as a way for …
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When is a Financial Planner a Smart Idea?
3 years ago

When is a Financial Planner a Smart Idea?

If you’re considering hiring a financial planner, you’re probably balancing the cost of their professional services against the time you’ll save from not having to manage your own finances, as …
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Tax Return Spending that Pays off
3 years ago

Tax Return Spending that Pays off

According to the IRS, the average tax return will be around $2,755, with more than 74% of Americans receiving money back this year. As tempting as it is to blow your …
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Top 5 Personal Finance Books
3 years ago

Top 5 Personal Finance Books

This list of the top five personal finance books offers a wide range of viewpoints, where they discuss many aspects to life but with a money focus. The books provide advice …
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Should You Save for Retirement or Your Kid’s Education First?
3 years ago

Should You Save for Retirement or Your Kid’s Education First?

Which should you save for first: your retirement, or your children’s education?

An increasing number of financial planners are advising their clients to start saving for retirement first before putting …
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4 Ways to Invest Your Tax Refund
3 years ago

4 Ways to Invest Your Tax Refund

When you complete your tax return, one of the things you most look forward to is getting a tax refund. You should use this money to shore up your finances. …
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Do You Know Your Retirement Number?
3 years ago

Do You Know Your Retirement Number?

How financially ready are you for retirement? If you don’t have a clue, you’re not alone. According to the Transamerica Center for Retirement Studies, only one in 10 people know …
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5 Tips for Spring Cleaning Your Finances
3 years ago

5 Tips for Spring Cleaning Your Finances

Spring may be the traditional season for overhauling your housekeeping, but it’s also a great time to overhaul your personal finances. By doing a little spring cleaning on personal finance …
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Is it Better to Give or Receive Taxes?
3 years ago

Is it Better to Give or Receive Taxes?

Now that it’s tax season, are you like the 75% of American workers who will receive a tax refund this year? Or did you find yourself writing a big check …
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What to Do Before Debt Collectors Call
3 years ago

What to Do Before Debt Collectors Call

Many people are in debt today due to lost jobs, high unemployment rates, or medical bills. If you’re struggling to pay your debts, there are a few things you can …
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Common Financial Myths to Avoid
3 years ago

Common Financial Myths to Avoid

Money worries are common. However, financial myths abound that can cause you to make mistakes with your financial future. By learning the facts, you avoid using myths as your guideposts. …
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Creative Ways to Pad Your Savings Account
3 years ago

Creative Ways to Pad Your Savings Account

Whether you are saving for a vacation or just want to have an emergency fund put aside, adding money to your savings account is possible (even when you think it’s …
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How to Get Cash in an Emergency
3 years ago

How to Get Cash in an Emergency

Emergencies arise in everyone’s lives, and they often turn out to be expensive. The very best way to prepare for future crises is to have a savings account set aside …
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How to Build Your Retirement by Trading Stocks
3 years ago

How to Build Your Retirement by Trading Stocks

Investing in the stock market can be an excellent way to build up your retirement fund. According to NASDAQ, over the last 10 years the stock market has produced an average …
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What Is an Annuity? How Do I Use It?
3 years ago

What Is an Annuity? How Do I Use It?

Annuities are one of the lesser talked about investment options, which can make it a mystery to some people, but annuities are actually a great way to save for the …
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What is the Worst Kind of Debt to Carry?
3 years ago

What is the Worst Kind of Debt to Carry?

Is there a good type of debt? What most people think when they see any type of debt is a big, red X. They think that all debt is bad. …
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Scottrade vs. E*Trade: Which Online Investing Service is Better?
3 years ago

Scottrade vs. E*Trade: Which Online Investing Service is Better?

When you’re looking for an online broker, the best thing to look for is which one will benefit you the most. Finding one is not an easy task, as you …
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4 Retirement Resolutions for 2014
3 years ago

4 Retirement Resolutions for 2014

It’s a new year, which means it is time to start thinking of ways to improve yourself. If you have not yet started to make plans for your retirement years, …
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How to Overcome the After-Holiday Debt Blues
3 years ago

How to Overcome the After-Holiday Debt Blues

Now that the holidays are over, you may find yourself drowning in debt. If that is the case, don’t panic, there are ways to easily pay down your debt without …
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Top 5 Investing Resolutions for 2014
3 years ago

Top 5 Investing Resolutions for 2014

The end of the year rapidly approaches, and with it a buying frenzy for the holidays. After the frenzy comes regret and resolutions to do better next year. Holiday spending …
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Top 5 Money Resolutions for 2014
3 years ago

Top 5 Money Resolutions for 2014

As you consider your resolutions for 2014, make sure you include some personal finance improvements in your goals. Luckily, there are certain steps you can take to improve your financial …
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4 Money Habits of the One Percent

The richest people in the world have a few common habits. This is not coincidental. For those who want financial independence, there are certain lifestyle changes they must adopt that …
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401(k) vs. IRA: Which is Better for Retirement?
3 years ago

401(k) vs. IRA: Which is Better for Retirement?

Thinking of putting money aside for retirement? That’s a sign that you’re prudent with your personal finances; it’s never too early to begin planning for your future. Traditional IRAs and …
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4 Alternatives to Traditional Savings Accounts
3 years ago

4 Alternatives to Traditional Savings Accounts

Savings accounts used to be a pretty good place to stash your money; a few decades ago, it was not unusual to see double-digit interest rates offered on simple savings …
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Best Ways to Save Before the Holidays
3 years ago

Best Ways to Save Before the Holidays

As the holiday season approaches, so too comes the many extra holiday expenses that can bust your budget.  From gifts to feasts, from shipping to travel expenses, the costs can …
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5 Money Talks You Should Have With Your Kids
4 years ago

5 Money Talks You Should Have With Your Kids

Kids learn about how to use money from their parents, but it turns out that most parents don’t like talking to their kids about money. In fact, a lot of parents …
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How to Come Back from a Financial Crisis
4 years ago

How to Come Back from a Financial Crisis

It seems we are on the other side of the recession, or at least on our way out, but that doesn’t mean we’re not still feeling the pain from it. …
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6 Financial Hurdles to Jump Before You Turn 30
4 years ago

6 Financial Hurdles to Jump Before You Turn 30

You’ve graduated college, you are in the real world and you are living it up. But at some point during all the fun, you wake up one morning and realize …
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10 Best Ways to Save For Retirement
4 years ago

10 Best Ways to Save For Retirement

Retirement is something we should all be planning for. If we live long enough, we’ll all get to a point where we’ll be ready to stop working and start settling …
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