Budgeting

It’s time to honor that special woman in your life. Mother’s Day is approaching, and whether you are buying for your mother, your wife, or both, consider some inexpensive alternatives or ways to save money on classic Mother’s Day gifts. Flowers – Flowers are a popular Mother’s Day present, but you don’t necessarily have to
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Have we bridged the gender gap when it comes to household roles, domestic duties, and career choices? Not entirely – but a new survey suggests that women are leading the way in closing the gap and preparing the next generation of men and women to continue the fight. According to the YouGov survey Women’s Voices:
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Your credit score may not be good enough to allow you to qualify for a home at a reasonable interest rate, but can a less-than-stellar credit score also keep you from finding a good place to rent? “Credit scores aren’t just about mortgages,” says Rod Griffin, Director of Public Education at the credit bureau Experian.
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You’ve been presented with a free trial offer for a product or service that you find interesting. Why wouldn’t you take advantage of it? The Federal Trade Commission (FTC) warns you to proceed with caution, because some free trial offers can be misleading and cost you significant money in the long run. Legitimate free trials
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Super Bowl LII (52 to you non-Romans) will take place at U.S. Bank Stadium in Minneapolis on Sunday, February 4. We could have had the Jacksonville Jaguars in their first Super Bowl appearance facing the Minnesota Vikings as the first team to ever play a Super Bowl in their home stadium – but neither team
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Santa was not so kind to your friends and relatives this year, so you felt the need to fill the gap. You overspent on holiday gifts, and now you are stuck with a significant amount of holiday debt. Gratitude from gift recipients is a great feeling, but gratitude is not going to pay off your
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Did you make financial resolutions last New Year’s Eve? Did they fall by the wayside, along with the gym membership and your pledge to cut back on coffee? You are not alone. However, you still have time to make some progress on your financial goals. Think back to the beginning of the year and the
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Does your Christmas season usually lead to the January blues due to excessive holiday spending? It doesn’t have to be that way. With a combination of planning and willpower, you can enjoy a festive holiday without starting the New Year in a big financial hole. Consider these nine ways to celebrate while staying fiscally responsible.
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Airline fees are pervasive these days. Baggage fees are particularly obnoxious, because passengers are increasingly forced to check in bags thanks to the shrinking amount of carry-on space. We do not know where the space is going, but we are pretty sure it is not for extra legroom. Some airlines even charge for carry-on bags!
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Billionaires and the impoverished have one thing in common – momentum. Once you achieve high levels of wealth or debt, it’s very easy for either one to continue to grow. A recent report by the Institute for Policy Studies highlights this point. The study found that three billionaires – Jeff Bezos, Warren Buffett, and Bill
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For many people, the end of the year represents a hectic time, and the last thing anyone wants to do is add to an already full plate. However, building the following financial moves into your fourth- quarter routine can really pay off over the long run and give you greater peace of mind for the
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For some holiday shoppers, bargain hunting is a competition and Black Friday is the Super Bowl. All the preparation throughout the year goes into a few frenzied hours that determine winners and losers. Did you get that 50″ TV you were aiming for, or did you camp out all night only to be caught in
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Thanksgiving is a time to relax and enjoy a nice dinner with your loved ones. You don’t want to spend it stressing over the Thanksgiving budget; you want to spend it having an enjoyable day with friends and relatives, and relaxing on the couch with a tryptophan-induced nap. Try these tips to save dollars on
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What’s the best time of the year to rent a home? That depends on what factors are important to you, and how much time you have to act. People don’t always have the luxury of taking their time in renting a house or apartment. They often have to assess a market in a fairly short
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Do daily finances give you daily heartburn? You aren’t alone. According to a new survey by the Consumer Financial Protection Bureau (CFPB), 43% of Americans have trouble making ends meet. One-third of survey respondents reached the level of financial or material hardship during the past year, such as running out of food or being unable
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Automatic payments from your bank account can be a great convenience, but they can also be a source of problems if you don’t pay attention. Do you check your payments on every bank statement? If not, you may be paying incorrect amounts or making automatic payments for a service or subscription that you don’t want
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It may be annoying to see Christmas displays in stores before Halloween, but that does not mean that early shopping for Christmas presents is a bad idea. On the contrary — there are several advantages to doing your holiday shopping before the holiday “sales” start popping up. You can save money without having to fight
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Earlier, we presented some money-saving tips for college students. Here are additional ways to save cash: Car Pooling – if you go to school close enough to drive home every so often, be sure to establish a car pool. Considering the price of gas and tolls, this could result in substantial savings. Many students know
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College can be a great adventure in scholarship and life for many young people. But when it comes to managing a budget, it can be a sobering learning experience in how quickly their money can disappear. Even worse, six months after a student graduates, when he or she gets their loan payment schedule, they will
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Money or sex: which topic causes the most trouble within a relationship? A recently released Money Habits and Confessions Survey, conducted by Wakefield Research on behalf of LearnVest, suggests that the answer is… money. Finances were a greater source of relationship tension than sex, according to 68% of survey respondents. Incompatibility with finances can even
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Do you know how much you pay in fees for the handling and management of your investments? If not, how do you know you are getting the best value for your money? Fees cut into retirement savings more than most people realize, because they are essentially compounded along with your earnings. The Securities and Exchange
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Welcome to parenthood! You are a proud new father, simultaneously overjoyed and terrified. Since you are now responsible for another human being, you should know that the estimate of what it will cost to raise your child is approximately a quarter of a million dollars, without accounting for inflation. If you would like to send
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Wealthy people achieve their wealth in many different ways, but typically, those who maintain it stay wealthy for a reason: they do not spend any more than they have to on any item. That principle applies just as much to buying a smartphone or vacuum cleaner as it does to buying a multi-million dollar conglomerate.
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April is National Financial Literacy Month. Why do we dedicate this calendar page to highlighting financial skills and education? The tax deadline? Sound financial decisions are important all year long, but most Americans never learned how to manage money or save for goals, so financial security is a bigger challenge than it needs to be.
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Getting out of debt can be challenging, especially if you have little experience in managing your finances and need support. Using a counseling agency can be a great way to get debt relief. The agency can possibly negotiate reduced interest rates for you to pay back all your unsecured debt. You then make a single
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