By Stephanie Braun, Director of Auto Product Management at Esurance Companies have collected data on their customers for decades. It allows them to offer more tailored services and products, and provide more relevant messaging. The reason data collection has gotten so much press lately is because it’s reached unprecedented levels. Already, we create 2.5 quintillion
Did the money gremlins sneak into your bank account and drain it again? Surely, the problem cannot be that you spent too much! There must be some other reason…. Perhaps it is time to get a handle on your spending. If you do not track your spending, you cannot distinguish between gremlins and your own
How much discretionary income do you have left after you’ve paid the monthly bills? Would that change if you were a homeowner instead of a renter, or vice versa? PropertyShark and RENTCafé considered this question with a study of 52 urban areas. Using data from the Census Bureau and the U.S. Department of Labor, discretionary
Have you ever lied for financial gain? The odds are strong that you’ve done it at least once. According to a new study from finder.com, almost 4 out of 5 Americans have admitted to lying for some type of financial gain – and many don’t feel guilty about their lies. Over 2,000 U.S. adults
Are you planning to retire within the next 10 to 15 years?If so, are you ready to take retirement preparedness to the next level? Retirement is no longer an abstract concept when you reach your 50s. It’s important to take a closer look at your financial plans now, while you have time to make any
Do you have enough cash to handle an unexpected emergency expense? According to a new survey from Bankrate.com, a significant number of Americans don’t have an emergency savings fund – and don’t see the lack of one as a problem. Bankrate found that almost one in four respondents has no emergency fund at all, and
Your kids are growing up fast. Soon, it will be time to have … the talk. No, not that one. We’re referring to the talk about responsible use of credit. If you don’t drive home the importance of good credit practices while your children are young, they’re more likely to learn about credit the hard
Father’s Day is coming up on June 17th. What can you get Dad to celebrate his special day without loading up the credit cards? Sometimes simpler gifts are the best. Simpler gifts may also be your only option if you are young and short on cash, or if your credit is not up to scratch
Father’s Day will be here soon. Have you picked up anything for Dad yet? You probably will, if statistics count for anything. In 2017, spending on Father’s Day will account for an estimated $15.5 billion in sales, according to the National Retail Federation (NRF). That’s a pretty impressive number – not in the league with
You’ve made some life decisions that you’ve regretted, and some of those decisions surely involve money. What sort of money mistakes have you made? Don’t be shy about admitting your financial mistakes. According to the latest version of Finder.com’s annual America’s Biggest Money Mistakes survey, you have 192 million fellow Americans to keep you company.
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
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:
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.
By Roshni Chowdhry, innovation & product development lead at SafetyNet The idea of being rich appeals to most of us. What’s not to like about a world where your only money trouble is how to spend it? Plus, in a world where money is plentiful, you’re free to do all kinds of exciting things most
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
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
Is this unusually cold winter putting a hurt on your heating bill? The bomb cyclone could be blowing a hole in your heating budget, for the colder it gets, the more costly it is to heat your home. The good news is that you can lessen the financial impact of cold weather by making a
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
What are your personal goals for 2018? How will your financial planning support you in achieving them? While you have your New Year’s cap on, take this chance to make the personal financial resolutions that will get you closer to the life you want. Define your Objectives – The SMART model is an effective guide
Did you get what you wanted for Christmas? We hope so, but you probably have at least one gift that you cannot use or do not want. You can usually return unwanted gifts, but what can you do with a gift card that you will never use? We have a few suggestions for your consideration.
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
By Roshni Chowdhry, senior manager of innovation & product development at SafetyNet Last year, the average American who took on new debt during the holidays came out an additional $1,003 in the red. Most of those who took on new debt didn’t plan to and weren’t able to pay it off for the next several
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.
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!
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
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
Will your student loan debt put a dent in your holiday spending plans? A recent survey by Student Loan Hero suggests that while student loan debtors may try to save money during their holiday shopping runs, they will not let debt curtail their spending. According to the survey, one-third of consumers with student loan debt
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
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
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