Budgeting & Personal Finance Sitemap - Page 1 2016-09-26

What’s Your Retirement Number?
How much do you need to save for retirement? The answer depends on your expected annual expenses and sources of income, like Social Security and pensions.

Occasional Expense Budgeting for Beginners
Don't get caught off-guard by unexpected expenses. Learn how to anticipate once-a-year, once-a-decade, and once-in-a-lifetime costs.

Teaching Kids How to Budget Money Effectively
Great money habits start young. But how can you convince your kid to budget his money when he's throwing a temper-tantrum because he wants a toy?

What’s the Difference Between a Budget and a Ledger?
People use ledgers to track their spending habits. But is a ledger the same thing as a budget? Or are these different concepts? Learn more here.

How to Be a Millionaire, Saving Very Little per Month
Want to create a million dollars? If you start investing while you're in your twenties or thirties, you can. This article shows you how.

Five Good Financial Habits to Establish in Your 20s
Are you in your 20s? How can you go about managing your money and establishing good financial habits in your 20s? Here are 5 tips you can start today.

How to Budget for Your Child's College Education
Not sure how much you need to budget for your child's college education? These tips will get you started saving in the right direction.

Baby Expenses That Catch New Parents by Surprise
Having your first child? Here are some unexpected baby expenses that catch new parents by surprise, along with tips on how you can make room in your budget for these new expenses.

5 Ways to Save Money on Any Purchase
Not a natural saver? Learn to train yourself to look for ways to cut your spending with these 5 ways to save money on any purchase you make.

The Difference Between Fixed and Variable Expenses
Your budget is comprised of fixed and variable expenses. But what does this mean? How do they differ from necessities vs. discretionary spending?

The 50/30/20 Rule of Thumb for Budgeting
How much should you spend on groceries? Your home? Your vacation to France? The 50/30/20 budget can help you figure out if you're spending too much.

How to Find Fun Ways to Save Money
Games and competitions can make saving money fun. Change your mindset from deprivation to abundance with these challenges that are fun for families.

What's an Emergency Fund and Why Do You Need One?
Most experts advise having an emergency fund -- but what, exactly, is this? Why do you need an emergency fund? When would you use one? Find out!

Free or Cheap Summer Activities for Kids
How on earth can you afford to keep your kids entertained all summer? Find frugal fun with this list of free or cheap summer activities for kids.

Should You Borrow Against Your Home To Pay Off Your Credit Cards? (No).
Here are the reasons why you should NOT borrow against your home in order to repay your credit cards.

What's a home appraisal?
A home appraisal is a professional estimate of the value of your home. It is performed by a licensed appraiser.

How to Deal With the Single's Penalty
Are you single? Then you might be getting hit by the single's penalty. Paying for expenses with one income is costlier - here's how to lessen the burden.

Should You Have Money-Related Relationship Dealbreakers?
Is it wise or okay to have financial relationship deal-breakers? Here's what to look for in a potential mate when it comes to your views on money.

Foreclosure 101: How to Protect Yourself
Whether you're underwater on your mortgage or are a new homeowner, you should know how to protect yourself against the very real risk of foreclosure.

How to Avoid Credit Card Debt
Many people find themselves in credit card debt and spend years digging themselves out. Use your credit card responsibly from the get-go and avoid it!

Six Bad Money Mindsets You Need to Break
Here are six common bad money mindsets you may be falling into, and how to break free of them.

6 Ways to Save Money on a Road Trip
Choosing to drive instead of fly to save on travel? Here's how to save money on a road trip with friends and family so you have more for vacation.

4 Financial Moves to Make as a Single-Income Family
Want to survive off of one-income? Here are four financial moves you should make before one spouse quits their job to stay home with the kids.

10 Amazing Financial Habits to Work Towards
These 10 fantastic financial habits will get your money in great shape in no time. Start working on developing them today to reap rewards for years.

What's a Deferred Annuity?
What's a deferred annuity, and how does it differ from an immediate annuity? What are the pro's and con's of deferred annuities?

6 Ways to Spend Less on Landscaping
If you’re a homeowner, landscaping might consume a significant portion of your budget. Here are a few ways you can offset the cost of maintaining your yard.

Three Financial Lessons We Can Learn from These New Homeowners
This is the true story of how a newlywed couple budgeted and saved for their first home. It highlights some of the factors they considered when buying a home.

4 Negative Ideas About Money We Need to Rethink
Are you internalizing these negative money ideas? Here are four common clichés that aren't worth paying attention to. And how to rethink them.

How to Buy a Home
Are you in the market to buy a home? Here's what you can expect during the process, from getting pre-qualified to the final negotiations.

Save Money on College With These 4 Tips
Panicking because your student is a senior in high school, and you're haven't saved enough for their education? Here are 4 ways to save on college.

How to Financially Manage a Career Change
Budgeting and money management involves more than just tracking expenses. It means making sure than any major life transition is managed in a way that's strategic and money-savvy.

5 Simple Budgeting Guidelines to Follow
Having a hard time creating or sticking to a budget? These 5 guidelines simplify the process so it's less bothersome and more rewarding.

What Percentage of My Income Should I Be Saving Every Month?
You know you should be saving some percentage of your income, but without a solid idea of how much you need to save for your financial goals, you won't succeed. Learn how to create a plan to achieve your financial goals so you can start today!

How Your Social Circle Impacts Your Budget
If you're concerned that the people in your life are not supporting your decision to live a more budget-conscious lifestyle, here are a few tips.

How to Teach Your Kids Frugality
Being frugal is a great way to make the most of your money.Here are five great ways to introduce your kids to frugality in a way they'll respond to.

7 Reasons You Keep Blowing Your Budget
Can't figure out why you never manage to stick to your budget, no matter how many times you resolve to do better? It could be due to one of these 7 common budgeting mistakes.

Benefits of Living and Working in a Small Town
Here's an unusual money-saving strategy: move to a small town. Here are some of the reasons why small towns are great, budget-friendly places to live.

Should You Take Retirement as a Lump Sum? Or Monthly Payments?
Did you know that you might have a choice as to how you’ll receive your payments in retirement? Let’s take a look at what options are available when it comes to how you receive your retirement benefits.

Tips to Help You Keep Retirement Benefits When You Switch Jobs
The average American changes jobs every 4.6 years. What happens to your retirement benefits? Here is information about how the benefits are affected by your leaving.

Working and Receiving Social Security Benefits Are Not Mutually Exclusive
Did you know you can continue to work and receive Social Security benefits at the same time? Here's how this works out if you’re thinking of working in your retirement years.

5 Tips That Will Help You Stick to Your Budget
If you're tired of beating yourself up at the end of each budget month and ready to make a change, try these 5 tricks.

Why You Should Look Beyond the Degree When Considering College
There’s a constant debate happening over whether or not college is worth the cost. College also has additional benefits beyond the piece of paper you graduate with.

What's the Difference Between a Bank and a Credit Union?
What's the difference between a bank and a credit union? At first glance, banks and credit unions seem similar. But dig deeper, and the differences are stark.

How to Budget and Plan After You're Accepted to College
You are going to college! Being anxious is normal. However, planning your next move doesn’t involve any rocket science. We’ve broken all the steps down for you.

How to Choose Financial Aid, Budget and Plan for College
Getting accepted to college is one of the most exciting times you’ll experience with your child. The tips below cover both budgeting and personal finance information.

4 Ways to Cut Costs as a College Student
You’re a college student struggling to maintain a budget. You don’t earn very much money. Here are a few tips on how you can better manage your money.

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Budgeting & Personal Finance
Budgeting & Personal Finance.

Budgeting & Personal Finance
Budgeting & Personal Finance.

How Much Should You Budget for Your Wedding?
The average wedding costs around $32,000 but there's underlying reasons for overspending that you need to consider when setting your wedding budget.

Your Ultimate 12-Month Financial Checklist
Want a monthly checklist that helps you manage your budget, retirement, credit, taxes and other critical financial matters?

5 Easy Ways to Build an Emergency Fund
An emergency fund is essential to your personal finances. Here are 5 tips to help you grow your emergency fund so it will be ready when you need it.

How to Create a Budget You Can (Really!) Stick To
Your personal budget should work for you. Learn seven steps to creating a budget you can use and how to make it work.

Trying to Plan for College, But Not Sure Where to Start?
You want to save for college -- but where to begin? How much are you expected to contribute? How can you qualify for financial aid? Read on.

5 Bad Money Habits You Need to Quit ASAP
If you're struggling with your finances or are having a hard time sticking to your budget, these 5 money habits may be to blame. Here's how to lose them.

How to Create a Budget That Works for You
Never created a budget before? Wondering how to start? Here's an overview of all the choices you can use to create a budget that will work for you.

Book Review: How Rich People Think
Money management is about mentality, not just tips and tactics. This book teaches you how to fundamentally shift your mental framework about money.

How to Prioritize Your Budget
You're feeling pulled in a million different directions. You need to save for retirement, pay for your child's college, remodel your home and fix the transmission on your car. How can you prioritize?

Should You Own Your Home Free and Clear?
Almost 30 percent of Americans own their homes

How to Manage Money Without a Strict Budget
You're the type of person who doesn't want to create a detailed, line-itemed budget within a spreadsheet or using software. You'd prefer a big-picture approach. Here are eight tips that can help you budget in a non-traditional way.

What's a Roth IRA?
One of the best ways to save for retirement, especially if you're young or you're in a low tax bracket, is through the Roth IRA. Learn all about this special retirement savings account.

Benefits of Budgeting
Lots of people talk about the importance of making a budget. But why, exactly, is budgeting so important? In this article, we share four

Rental Property Investing for Beginners
Thinking of buying your first rental property? Here are two formulas that will help you evaluate whether or not the property is a good deal.

Financial Debt Advice: Dave Ramsey's Seven Baby Steps
Popular financial expert Dave Ramsey, the host of the nationally-syndicated radio program The Dave Ramsey Show, suggests that you follow seven

Book Review - Millionaire Teacher
.Book Review of Millionaire Teacher. Andrew Hallam explains how he became a millionaire on a schoolteacher's salary.

5 Action Items for One-Income Couples
Want to transition to a one-income couple so one of you can stay at home and raise the kids? Here are five tips that will make it go smoother.

Retirement Savings by the Decade
How much money should you have saved for retirement? Check out these age-related guidelines that help show you whether or not your retirement is on track.

What Is a Millionaire? - Definition & Debate of Term
What's a millionaire? The answer is not as straightforward as you might expect. Here's what to account for.

You Need a Budget - Review
Want a sophisticated budgeting program that's also easy-to-use? You Need a Budget (YNAB) is a detailed program that helps you track your accounts. It's designed to be user-friendly, but also through.

How to Talk About Money With Your Spouse
Couples who fight about money more than once a week are 30 percent more likely to get divorced. Here's how to discuss money with your spouse.

How Much Should I Spend on a Wedding?
How much money should you spend on a wedding? There are a lot of factors to consider, starting with what your values and priorities are.

Why Does a Wedding Cost So Much?
The average couple spends $27,000 on a wedding, according to a recent report in USA Today. But why? What on earth could possibly cost so much? Why are weddings so expensive?

How Much Should I Put Aside for Retirement?
Do you know how much you should save for retirement? Here are four rules of thumb you can follow as guidelines to get started. The sooner, the better!

The Difference Between Emergency Fund and a Cushion
An emergency fund does not serve the same function as a cash cushion. Learn the difference between the two so you can manage your money the right way.

YNAB Budgeting Software Review
Review of the program You Need a Budget. Page 2.

Not Enough Money to Retire? Move Overseas
Are you struggling to save enough money for retirement? Instead of retiring where you live, you might want to consider retiring abroad to save money.

7 Tips for Saving for Retirement if You Started Late
You had a late start in saving for retirement. Here are 7 tips to guide you through a comfortable retirement, even if you started saving in your 40's.

Retirement Savings Tips for People 40 and Over
Worried about how to save enough money for retirement? Check out these four retirement savings tips for people 40 and over so you can catch up.

Why Calculating Rate of Return is Important
When investing money in small amounts throughout the year, it can be hard to calculate your annualized rate of return. Here's the formula you need.

How Can I Keep Track of My Spending Patterns?
Tracking your spending can be an eye-opening experience. Here are three strategies you can use to make it easier on yourself!

How Can I Get Out of Debt?
Plenty of articles discuss the tactics people use to get out of debt -- but you need to tackle a few psychological obstacles, as well. Here's a rundown of some of the emotional preparation you need to do in order to face down your debt.

Actively vs. Passively Managed Funds
What's the difference between actively and passively managed funds? Why is it important, and which one is better? Find out which fits your situation.

How Much It Costs to Keep Your Job
No one thinks a job costs them money, but the truth is working has a cost associated with it. Here's how to figure out what your real hourly rate is.

Stay-at-Home or Work? Find Out How Much Working Costs
Choosing between being a stay-at-home parent or a working parent? Don't forget to factor the cost of going to work in your decision. Here's how.

4 Tips for Living on One Income
Congratulations -- you've decided to make the switch to a one-income household. What factors will you need to consider? How can you make the transition as smooth as possible? Here are four tips to help you convert from two incomes down to one.

Are There Multiple Ways to Budget?
There isn't a one-size-fits-all formula for creating a budget. There are plenty of options for how to track your money; your job is to learn about a variety of tactics so that you can select the strategy that best suits your personality, taste and financial position.

How Can You Inspire Others to Budget?
What should you do if your own financial situation is rock-solid, but you see a friend who is struggling? How can you teach or inspire that person.

Does Jean Chatzky Believe in Budgeting?
Today Show financial editor Jean Chatzky picks up the phone to share her thoughts on retirement planning, paper-and-pencil budgets, and nearing age 50.

Tips to Save Money in Your Daily Life
Check out these ways to save money in your daily life, from insulating your water heater to planting shade trees around your home.

Free and Fun Things to do on the Weekend
Are you bored or restless during the weekend? Boredom often prompts people to spend money on distractions. Here are free and fun activities to do!

How Much Money Do You Earn Per Hour?
Do you know how much you earn per hour? Most people know their annual salary. But very few people do the math to see how that breaks down to an hourly wage. The answer could surprise you -- and it will impact the way in which you see the

Teach Children Ages 3 to 6 how to Budget
Great financial habits start early. Even when your kids are ages 3 to 6, you can teach them how to budget their allowance, save up for a big purchase like a game or toy, and share charitably with others.

Compound Interest Definition
Albert Einstein reportedly said that compound interest is

Compound Interest- The Most Powerful Force According to Einstein
Albert Einstein reportedly said that compound interest is

Budget Worksheet - Your Savings Goals
Do you have a lot of savings goals? This worksheet will help you organize them all and allows you to compare your goals to the rest of your budget.

Keys to a Successful Budget
What are the key ingredients of a successful budget? What qualities cause some budgets to succeed and other budgets to fail?

How to Separate Wants and Needs
Do you know how to separate wants and needs when it comes to your budget? You may need to redefine

Should You Buy or Rent Your Home?
The myth that buying is always a better deal than renting simply isn't true. Whether it's a better deal to buy or rent your home depends on a wide variety of factors, including how long you expect to live at that location and the rent-to-purchase-price ratio of your area.

The Many Costs of Owning a Home
Even if you buy a brand-new home, it'll be time to remodel your house at least a decade before you're done repaying your mortgage -- not because you want to, but because your roof, carpet, siding, gutters, paint, cabinets and water heater will probably be worn-out and in need of replacement. Learn about the many costs of owning a home, including buying appliances, maintaining a lawn and replacing things you've probably never thought about replacing, like bathtubs and faucets.

Cheap Home Remodel and Redesign Tips
Can't afford a full home renovation, but want to change so your home is more enjoyable to live in? These budget-friendly mini renovations are great!

The Case for 3 Percent Retirement Portfolio Withdrawal
How much of your retirement portfolio can you safely withdraw every year? Most financial advisers say that the answer is 4 percent, but lately there's been some chatter that you should plan to only withdraw 3 percent per year in retirement. That means a $1 million retirement portfolio will allow you to live on $30,000 - $40,000 per year.

21 Everyday Ways to Save
You might be surprised at all the small ways that money slips through our fingers each day. Here's a list of 21 habits that you can form that will help you save a buck or two, here and there. These savings should add up to a substantial amount over the years.

What is the S&P 500, NASDAQ and Dow Jones?
The S&P 500, the NASDAQ, the Dow Jones, the Russell 2000, and the Wilshire 5000 - what is this stuff? Learn how are they defined and what they represent.

Review of Schwab's Deposit Checks App
The Schwab Mobile Deposit app allows customers to deposit checks instantly through their smartphone or tablet, just by taking a picture of the check.

Budget Worksheet for Discretionary Expenses
Looking to save money in your budget? The first place you should look is your discretionary expenses. Here's a list and how to keep track of them.

FAQs About Budgeting and Personal Finance
Curious about managing your money and making a budget? Here are answers to some of the most commonly asked budgeting questions you may have.

Plan for Retirement on Lifestyle, Not Current Income
Traditional retirement planning advice that says to save for retirement based off your income is misleading. Instead, base your savings off your lifestyle.

Kiplinger's Personal Finance magazine
With more than 2 million readers and 60 years of history, Kiplinger's Personal Finance magazine is one of the oldest and most well-respected authorities in personal finance publishing.

Borrowing Money for College - Student Loans
Student loans can be scary. How much is too much? The

Debt Snowball vs. Debt Stacking - Which Is Better?
Are you trying to pay off debt, and aren't sure where to start? The debt stacking and debt snowball methods are two popular strategies to try.

Make Your Tax Refund Work For You
It's time for your tax refund to come in the mail. What do you plan on doing with it? Here are five ways to put that refund to great use.

Multiply by 25 and 4 Percent Retirement Rules
How much money will you need in retirement? Two popular rules of thumb outline the answer, but don't confuse one with the other. Here's the answer.

Why Do I Need an Emergency Fund?
An emergency fund will help you avoid falling into credit-card debt the next time an unexpected expense pops up. Learn why you need an emergency fund -- and find out how large it should be.

Take a Budget Vacation to New York City
Can someone on a tight budget take an extended vacation to New York City? One reader asked me this very question. In this article, I explain how I did it. Hopefully it will inspire you to be creative with your money - and take a budget vacation!

How To Estimate For Retirement
How much money will I need to retire? Sometimes I open a magazine and see that I need $1 million or $2 million. Could that possibly be right?Check out this rough guide to getting a back-of-the-envelope idea of roughly how much you'll need when you retire.

Budgeting for One-Time Costs
You can predict some one-time expenses, but not all of them. They often creep up on us at the worst times. Learn how to budget for one-time expenses.

Should You and Your Partner Join Finances?
You've found the person you want to share your life with. But should you share your bank account with them? Learn the pro's and con's of co-mingling finances with your partner.

11 Proven Money Rules for Building Wealth
There's a lot of money advice floating around. What's the most important? This article outlines 11 rules for building wealth.

Different Ways to Lower Your Monthly Mortgage Payment
Does your monthly mortgage bill put a serious dent in your budget? Here are some ways you can lower your monthly payment.

Monthly Financial Checklist and Calendar for January
Want a calendar of events for managing your money? Check out this monthly money calendar that describes everything you need to do in January.

An Unusual Budgeting Method ...
Popular budgets have you decrease spending to fit your income. Try this unusual approach: figure out expenses, and then increase income to cover them.

Double or Triple Your Money with These Easy Rules
Want to double or even triple your money? This handy rule-of-thumb shows you how long it will take you to turn $10,000 into $30,000.

Why to Budget Like You Get Two Paychecks Per Month
Do you get paid biweekly? Even if you don't, budgeting as if you do can give you access to a hidden strategy you can use to save more money.

Review: SmartyPig, the Online Savings Account
Interested in creating multiple

How to Talk to Your Spouse About Money


What's a 401k Retirement Plan?
You keep hearing people talk about 401k retirement plans ... but what, exactly, is a 401k? What are the tax implications? How does it help you save for retirement?

What Does Asset Allocation Mean?
Not sure what asset allocation means? Here's an explanation and why it's important to your portfolio if you're an investor.

5 Ways to Pay Off Your Mortgage Early
No one enjoys paying their mortgage, so why not pay your mortgage off early and save thousands of dollars in interest while you're at it? Here's how!

Can You Become a Millionaire Earning $30,000 a Year?
Can you become a millionaire, even if you only earn a modest income of $30,000 or $40,000 annually? Yes, you can. Read this article to find out how.

Oops! 10 Things You Left Out of Your Budget
When creating a budget, you most likely remember

How to Prepare Your Budget for a Pet
Are you thinking about adopting a pet? You should prepare your budget for a pet before adopting one - there are many costs to consider.

How to Calculate Your Retirement Needs
Not sure where to start with calculating your retirement needs? Your first step is to focus on expenses in retirement, not replacing income.

3 Important Moves You Should Make Before Tax Day
Is tax day typically a headache for you? Don't stress this year. Make these 3 important moves before tax day to ensure everything goes smoothly.

New to Budgeting? Start Here.
Do you fear that

4 Ways to Give Your Kids a Healthy Relationship with Money
You want the best for your kids, but you may be neglecting one major skill they'll need to know: how to cultivate a good relationship with money.Here are 4 ways you can start instilling good money habits in your child now.

Five Money Management Tips for Singles
When you're on your own, it's easy to be a little fast and loose with your money.Even though you don't have a ton of financial obligations, here are 5 things you should do for the future.

Four Easy Ways to Budget
Budgeting can be a tedious task for many people. Here are 4 popular budgeting methods to check out as you explore what works for you.

Are You Bringing (Financial) Baggage to Your Relationships?
Some money habits and mindsets can turn into financial baggage in your relationship. Learn what behaviors you should avoid.

Five Signs Your Relationship Has Money Troubles
Money is one of the biggest issues that couples fight about. Consider these five signs that money issues could be threatening your relationship.

What's the Difference Between a Debit Card and Credit Card?
What's the difference between a debit and credit card? This article explains the differences and how you can use each.

Budget-Friendly Mortgage Loan Options
Want to refinance or buy a new home, and need a budget-friendly mortgage? Here are the top options you should look at and what each choice entails.

Should I Refinance My Mortgage?
Home interest rates are low, but you're locked into a higher payment. Should you refinance your mortgage? How much interest will you save? Learn the pro's and con's to refinancing your mortgage in this article.

Are You Financially Ready to Buy a Home?
Wondering if you're financially ready to buy a home? This simple checklist runs you through what you need to accomplish before making the leap to homeownership.

How Much Should You Budget for Home Maintenance?
How much should you set aside for home maintenance? Learn how factors like your home's age, condition, location and square footage affect your budget.

What's the Best Move for Your Wallet: Sell or Hold Onto Your Home?
You're thinking about selling your home ... but you're not sure if this is the most wallet-friendly move. Should do you it now? Should you wait? Personal factors like your credit score, budget for moving expenses, and family size should play as large of a role as overall economic conditions.

How Much Should You Budget for Home Repairs?
How much money should you put aside for home repairs and maintenance? Here's a rule of thumb to follow.

Why Your 20s Are Crucial to Your Financial Future
Your 20s are one of the most crucial decades in your financial life. Here’s why they're so important, and what you can do to steer yourself on the right track.

Oops! I Don't Have Enough Money to Pay Taxes!
Taxes are one of the two only guarantees in life, to paraphrase a cliché. Yet each year, millions of Americans fall short of the funds they need to pay Uncle Sam. How can you make sure this doesn't happen to you?

IRA and 401k Contribution Limits Increase
Contribution limits for IRA and 401k retirement plans have increased. Eligible workers can now contribute $18,000 to their 401k's and $5,500 to their IRAs.

Should I Buy a Bigger Home for the Tax Deduction?
Should I buy a more expensive home, so that I can take a bigger tax deduction?

How Much Do I Budget for Taxes as a Freelancer?
If you're self-employed, how can you budget for taxes? Here are three tips to take away the stress when quarterly taxes are due.

Tax Refund
Are you getting a tax refund this year? That's a sign you're paying too much. Why give the government an interest-free loan? Here's why you should NEVER get a tax refund -- and how you can budget the

When Should You Use Your Emergency Fund?
Financial experts are always saying that you should build an emergency fund. But when will you need to use this? What constitutes an emergency?

True Story: How One College Student Budgets
Are you a college student not earning a lot of money? Here's a real account of how one 20-year-old student budgets her money on an irregular income.

What's an Unexpected Expense?
Some people think that a leaky roof, busted car transmission or $800 health insurance deductible is an

How to Negotiate Lower Rates on Monthly Expenses
If you’re savings-savvy, negotiating is a great way to save on big-ticket items. Did you ever consider negotiating some of your smaller monthly expenses, too?

How Can I Earn Money?
To win the money game, you need to focus on both sides of the

How Much Can I Put Into My Retirement Account?
Do you know what the current retirement contribution limits are for 401ks and IRAs? Find out so you can plan for retirement properly.

Budgeting Helped Me Afford My Dream Vacation
Some people have an aversion to the word

Make a Car Payment to Yourself
Congratulations -- you've made your final car payment! Don't run out to celebrate just yet, though. Sooner or later, you'll need another car. Why not keep making the same car payment, but direct it into a savings account earmarked for your next car purchase?

How to Teach Your Teen to Be Smart With Their Money
Your teen's first part-time job is one of their first steps into independence and adulthood. It's also a great time to teach them valuable financial lessons. Here are three ways you can ensure they learn good habits that will take them far.

The Ultimate Guide to Budgeting for Your Retirement
Discover how much money you'll need, and then work backwards to figure out how much you should set aside every month.

401k Retirement Contribution Limits in 2014
What were the 401k retirement contribution limits in 2014? More importantly, why do you still need to know this information?

Delay Claiming Social Security Benefits
Want to learn a guaranteed way to nearly double your monthly retirement income in the span of eight years? Delay claiming your Social Security benefits.

But I Don't Want to Retire!
I occasionally hear people say that they don't ever plan to retire. They love their careers, and don't want to quit when they're 62 or 65. But that doesn't exempt them from needing to save for retirement. Here's why.

Retirement Planning in 6 Easy Steps
Confused or overwhelmed about retirement planning? Here are six easy-to-follow steps that can help you get prepared for your golden years.

I Have a New Job. What Should I Do With My Old 401k?
Congratulations on your new job! You’re probably facing so many changes that rollover 401k rules are the last thing on your mind. Here’s a quick rollover 401k lesson.

Mint app review for Android
Interested in budgeting on-the-go? Mint's app for Android is a great way to keep track of your spending and account balances while you're out.

Three Methods for Co-Mingling Money as a Couple
Is your relationship getting serious enough to consider co-mingling finances? It can be a sensitive topic. Here's three ways you can split expenses.

FAQ’s about Inheriting an IRA
Do you have questions about what to do if you inherit an Individual Retirement Account (IRA)? Here are answers to some IRA inheritance FAQ's.

Try the Simple 5-Category Budget
Want a budget that's not too specific, but not too broad? Use the 5-category budget.

Budgeting Worksheet - Income and Necessities
This budgeting worksheet helps you track your earnings and your necessary spending so you can see how much you have left at the end of the month.

Don't Like Tracking Expenses? Try the 80/20 Budget
The 50/30/20 budget is popular, but it demands that you track your expenses. Don't want to do that? Try an even easier approach: the 80/20 budget.

The Single-Envelope Budgeting Method
Looking for a simple way to budget? Tired of how traditional budgeting methods allow you to overspend? Try the single-envelope strategy, which prevents you from spending beyond your means. It's also virtually effortless -- no complex classifying required!

8 Easy Ways to Budget
The best budget is the one that you'll stick to. Don't get caught up in whether it's better to do X or Y. Here are 8 strategies to choose from!

How Many Budgeting Techniques Can You Choose From?
There are dozens of different budgeting styles and techniques that suit a variety of tastes. Here are our top five suggestions-you'll find one to try!

Don't Miss These Essential Budget Worksheets
Want to create a budget? These worksheets will walk you through making a budget with detailed, step-by-step instructions.

5 Ways to Stop Living Paycheck to Paycheck
Millions of American households are living paycheck to paycheck. If you're one of these households, here are 5 ways you can start to break the cycle.

- By Category
An index of categories in the

The One Thing (Most) Millionaires Have in Common
What habit do the majority of self-made millionaires have in common? According to one of the best millionaire books in existence, millionaires make budgets.

Do I Need a Financial Advisor?
Could you get greater benefit from an advisor than the cost of their fee?The answer is a firm

How to Avoid Late Fees
Unplanned bills are sometimes unavoidable; but other times, these unexpected bills come in the form avoidable fees. Here is how to avoid those fees.

What's the Rule of 72? Can It Help Me Double My Money?
Want to double your money? The Rule of 72 explains how to double your money, without accepting too much risk, in a realistic 7-year​ time frame.

12 Amazing Money Habits You Shouldn't Skip
Need some help on improving your financial habits? This list of 12 will help you start saving and budgeting in no time so you can take your money farther.

Try The "Pay Yourself First" Budgeting Method
Does a detailed, line-item budget sound too time-intensive and boring? Try this much easier alternative, which I call the

7 Small Financial Improvements You Can Make in 10 Minutes or Less
Crunched for time? Here are seven small improvements that you can make to your finances in 10 minutes or less.

Why Should You Bother to Budget?
Have you ever wondered what the point of budgeting is? It's not to scrimp and save; it's to empower you financially so you can easily manage your savings.

Saving Money With No Goal in Mind
It's simple to know how much you should save when you have a specific goal: a $10,000 wedding in 2 years, for example, or a $8,000 car in 1 year. But how can you save when you don't have a specific goal in mind?

Fallen Behind on Your Bills?
What should you do if you've fallen behind on paying your bills? Here are eight tips that will get you back on the right track as soon as possible.

Ways You Can Double Your Money
Want to double your money? Here are some tactics to help you turn $100s into $1000s without massive risk, winning the lottery, or getting scammed.

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Single? Budgeting and Money Advice
Tired of reading money-management advice geared towards couples and families? Here's a space that focuses on money tips for singles.

Budget for Vacations and Holidays
Vacations and holidays can make a serious dent in your budget, so it's best to prepare for these far in advance. Learn how estimate your expenses and budget throughout the year so you're not worried when the holidays arrive, as well as how to save money on trips and destinations.

Budget for Your Home
You might be trying to buy your first home, trying to move into a different home, renovating your space, or looking for investment properties or a vacation home. Learn about the in's and out's of budgeting for your home, such as how to come up with a down payment, what to do if you're stuck paying two mortgages at the same time, how much to budget for repairs and upgrades, and how to decide whether to buy or rent.

Budget for Your Car
Car expenses can be hard to predict. Urgent repairs can pop up at unexpected times, a minor fender-bender might cause your insurance rate to skyrocket, and no one can guess what the price of gas will be a few months down the road. Learn how to budget for your car despite its unpredictable nature.

Budget for Your Wedding
It's amazing how quickly wedding costs can add up. There's the ring, the venue, the food, the flowers, the invitations, the cake -- and that's just the tip of the iceberg. Discover how to budget for your wedding, even if you're not dating anyone seriously yet.

Budget for School
Whether you're budgeting for trade school, college, graduate school or K-12 private school, you know that education can be pricey. Learn how much you need to budget for education (tuition isn't the only cost!) and find out more about tax-advantaged education savings plans.

Budget for Emergencies
It's tough to budget for emergencies: you never be certain how much money you'll need or how soon you'll need it. Learn how to estimate how much to set aside for emergencies and how to budget for life's unexpected surprises.

Budgeting for Retirement
Budgeting for retirement can be tough, partly because it's hard to know how much to put aside. Many experts disagree about how much money you should save and how much you should withdraw yearly during your retirement. Learn about the different ways to create a retirement budget. Read about the different types of tax-advantaged retirement accounts and learn how to spread out your investments.

How Can I Budget With Irregular Income?
You have an irregular, sporadic income that comes from freelance or self-employment work. How can you budget in spite of this irregular income?

Budgeting apps
Whether you use an iPhone, iPad, Android, Blackberry or something else, there are loads of apps and features that will help you develop your budget.

How to Turbo-Charge Your Savings as a Couple
Are you a two-income couple? Living on one person's income and saving the other is one of the most effective ways to ramp up your savings.

Taxes
Taxes are probably the single biggest expense you'll need to pay. How can you budget for paying taxes? This section describes how much you should set aside for all kinds of tax obligations, including income tax, property tax and self-employment tax.

7 Tips to Help You Get Out of Debt
Need help getting out of credit card debt? These 7 tips will help you kick your debt to the curb for good so you can start saving for what matters.

What Does "Pay Yourself First" Mean?
Wondering what

Teaching Kids About Budgeting
Even if Junior's only source of income is from the Tooth Fairy, good budgeting habits should start early in life. Learn how to teach the concepts of saving, spending and budgeting to kids of all ages, and read about the expert debate over allowance.

Living on One Income
Decide whether or not you can afford to cut down to one income, or if you're already living on one income, decide whether or not you should re-enter the workforce. Discover ways to earn side income and save money as a stay-at-home parent and calculate the costs associated with going back to work.

5 Steps to Getting Started Paying Off Debt
Do you have a combination of debt, and aren't sure where to start? It's time to start feeling less overwhelmed. Here are 5 steps you can take to create a plan.

Words Related to Banking and Loans
Not sure what all these words related to banks, banking, loans and borrowing mean? Here's our glossary of definitions.

Glossary: Words Related to Retirement
Reading about retirement planning? Can't figure out what a certain word or phrase means? Look up the definition here.

Making the Most of Your Money
How can you make the most of your money? Budgeting, at its core, has almost nothing to do with dollars. It's about aligning your values with your spending.

What is Variance?
Budget variance refers to the discrepancy between your projected and actual spending. Accounting variance, by contrast, is a measure of spread within a given data set. These concepts are closely related (at a high-level), but the calculations are quite different.

Budget Worksheets
Congratulations -- you've stumbled upon the most interactive portion of this Budgeting site. Here's where I keep worksheets that YOU can fill out to create your own, personalized budget! Print these worksheets and fill them out -- you won't be disappointed!

There's Too Much to Save For! Balancing Priorities
Do you have tons of things you want to save for? It can be hard to balance savings priorities, but here's a guideline of what to save for first.

What's Your Investing Goal: Growth or Dividends?
Do you know what your investment goal is? Find out if you should be investing for growth or dividends and why the difference matters to your wealth plan.

How to Stick to Your Budget (Without Losing Your Mind)
Does budgeting feel like nothing but deprivation? Then you're doing it wrong. Here's how to stick with your budget without losing your mind.

Could Your Marriage Benefit From More Bank Accounts?
Can having more than one bank account improve your financial situation with your spouse? Depending on your relationship dynamic, yes!

What are Savings?
Saving is NOT the absence of spending. Instead, saving is the intentional act of setting money aside for a specific goal or purpose. Find out how to really save your money.

Top 6 Money Secrets of Millionaires
You can learn a lot from self-made millionaires. Discover the top six secret tips you can follow to grow your wealth faster.

How to Negotiate Lower Rates on Common Monthly Expenses
Do you think the rates provided by your service providers are set in stone? Think again! Negotiating monthly expenses can lower your rates and save you money.

How to Split Expenses As a Couple
You and your partner want to maintain separate accounts. How can you equitably and fairly divide your expenses?

3 Things You Should NEVER Trim From Your Budget
Budgeting is the art of setting priorities. Here are three expenses that should be at the top of your priority list.

How Much Money Should I Save for Retirement?
What's the ideal income that you'll collect each year during retirement? That's a crucial question: you can't know how much money you'll need to save for retirement unless you know how much money you plan to live on each year.

The Guide to Kickstarting Your Financial Life
Have you just entered the

How to Make a Budget in Nine Steps
Not sure where to start with creating your first budget? Here's how you can get started in 9 steps.

How to Disaster-Proof Your Budget
Is your budget prepared to withstand a financial disaster? Most people are underprepared or not prepared at all. These 3 tips will help you foolproof your budget.

8 Strategies to Help You Save More Money
Struggling to save money and get ahead because you're being held back by debt? Here are 8 strategies that will help you regain your footing.

5 Finance Fundamental Principles for Success
Wondering how to start managing your money? These 5 financial fundamental principles will guide you toward success in all aspects of your money.

4 Money Questions to Ask Your Partner
Are you and your partner financially compatible? Are you on the same page when it comes to your goals, money habits, and risk? Find out by asking them these 4 questions.

5 Financial Mistakes You Need to Correct ASAP
Are you shooting yourself in the foot when it comes to your money? Here are 5 financial mistakes you need to correct ASAP before they cost you.

11 Tips to Help You Save More Money
Feel as though your budget is stretched too thin for savings to matter? Here are 11 ways you can find money to save in your budget without pinching pennies.

How to Stick With Your Budget
Having trouble sticking to your budget? You're not alone. Here are four tips that will make budgeting easier and take the pressure off.

7 Ways to Slash Your Food Budget
Groceries, dining out and other food expenses often represent a large part of our monthly budgets. Here are 7 tips to help significantly slash your food budget.

Maintaining Your Money Motivation
Motivation is crucial when you're trying to pay down debt, budget for a large goal, and save for retirement. Here are 3 tips that will motivate you to manage money wisely.

Clever Strategies That Can Help You Pay Off Debt
Struggling to pay off debt? These strategies will help get you on the right path, even if you haven't succeeded yet. It's time to say goodbye to debt!

PowerWallet Helps You Track Your Money
PowerWallet, a new online company, helps you view all your accounts in one place. You can see your bank balance, utility bills, credit card statements, and more.

Figuring Out Your Financial "Why"
Have you ever stopped to ask yourself why you're trying to improve your money management skills? This exercise will help you gain focus on your financial goals.

Unusual Ways to Budget
There's no one-size-fits-all budgeting approach. Learn out-of-the-ordinary but totally effective ways that people create and manage budgets.

The Incredible Power of Saving 50 Percent
Are you ready for a radical money-management idea that's increasingly becoming more popular? It can help you skyrocket toward your financial goals!

Why Should I Budget My Money?
Do rich people need to budget their money? It's tempting to imagine people lavishing in luxury without paying a shred of attention to their bank account. But the reality is quite different. Here are seven reasons the rich should budget, too.

A Brief Introduction to "Wealth"
Do you want to grow wealthy? If so, you'll need to start by learning the core definition of 'wealth.' It might not be what you think!

The Value in Staying the Course in Your Financial Choices
Don't let the financial news throw you off-course. You should stick to a budget, savings and investing plan, regardless of what's happening in the overall economy.

Five Ways to Cut Costs Without Cramping Your Lifestyle
We all love the extra money that we get after cutting costs, but we don't necessarily love cramping our lifestyle in order to slash those bills. Here's a list of five

Are You Saving Enough for Retirement?
Are you saving enough for retirement? Here are a few rules-of-thumb that can help you determine whether or not you're on-track.

Should Should You Repay Debts or Invest?
You have some surplus money in your budget. Should you apply this towards repaying your debt, or should you invest the cash?

Should I Change My Financial Strategy in a Bull Market?
Why you should manage money based on long-term thinking, rather than reacting to today's market highs or lows.

Two Unusual Ways to Claim Social Security
Claiming Social Security isn't always straightforward. There are two strategies that are sometimes used: File and Suspend and File and Restrict. Learn more about both tactics here.

How to Motivate Yourself to Stick to Your Budget
Sure, your budget sounds great in theory, but your motivation can wane thin. How can you motivate yourself to stick to your budget? Here are four tips.

How to Introduce Budgeting to Your Spouse
You’re enthusiastic about creating a budget and managing your money carefully. Your spouse groans at the idea. Here are a few tips that might help get your spouse on board with the idea of budgeting.

Three Classic Pieces of Financial Wisdom
Financial stewardship is about understanding, at a very deep and fundamental level, what type of relationship we should have with our money.

Three Ways Organization Helps Your Budget
There are plenty of advantages to becoming more organized. Here are a few ways becoming more organized with your finances can actually result in greater savings.

How to Lower the Cost of an Out-of-State Job Interview
Getting a job in another state can be a great way of getting to move around the country but can be expensive. Here are ways to keep those costs low.

Where Does All My Money Go?
You don't think of yourself as lavish. You're not dining at fancy restaurants or jet-setting to Europe. So where on earth is all of your money going?

How to Free Up More Space in Your Budget
You’ve reviewed your budget again, and you just can’t force your expenses to fit with your income. Here are a few tips to help you.

What's a Time Deposit?
What's a time deposit? How is it different from a demand deposit? A time deposit is an interest-bearing bank deposit that has a specific maturity date.

How I Improved My Budget By Lowering My Housing Costs
This is the true story of how one reader improved their budget by figuring out a way to pay $0 out-of-pocket housing expenses for five years.

7 Ways to Make Saving Money Achievable
We all know we should be saving money.Here are 7 ways to find a little extra money and make sure you use it to build your savings.

5 Tools That Make Budgeting Easier
Budgeting doesn't have to be hard. Here are 5 tools available that will make budgeting easier and less stressful, and many of them are free.

Can Money Buy Happiness?
Can money buy happiness? Research shows that yes it can, at least to a limited extent.

4 Big Reasons Your Budget Keeps Failing
Does your budget fall through every time you try to stick to it? Here are 4 reasons your budget isn't working and how to fix it.

Five Money Issues Couples Fight About
Here are five of the money issues that most often cause couples to fight — as well as how to handle the situation if you and your significant other are at odds.

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Budgeting and Money-Management Advice For Singles
It's tough to find financial advice when you're single. A ton of the information on the internet is tailored towards couples and families. Don't worry -- we're here to help. In this section, you'll find budgeting and money-management advice that's custom-tailored for single people.

The Double Meaning of “Coupon” and “Discount”
In the world of personal finance, “coupon” and “discount” actually have two different meanings. One applies at the store, the other applies when you’re buying bonds.

How to Manage Your Budget While Traveling
We often get blindsided by surprise expenses, especially while we're traveling. Those add-on's, upsells and fees can quickly disrupt our budget. What major charges should we stay alert for, and how can we leave room in our budget to handle these types of surprises?

Give Me Money! Ways to Earn More
How can I earn money? Growing wealth is a two-part approach: you need to both earn more AND save more. This section will show you how to earn extra money on the side, without quitting your day job.

Budgeting software and programs
Looking for software that can help you budget? There's a huge range of software and programs designed to help you manage your money. These programs range from free to hundreds of dollars.

Budgeting Books
There are fantastic books and e-books about how to create a budget. Some books are instructional while others are motivational, and some are aimed at a general audience while others target specific age groups or occupations. Here's a rundown of some great books about budgeting.

Budgeting Websites and Blogs
There's a vast amount of information on the Web about budgeting. Some websites give general budgeting information, while others target specific niches like budgets for freelancers. Learn about some of the great resources available online.

How to Save More Money
After you create a budget, you'll pinpoint areas where you want to save more. You might decide you want to cut back on the amount of money you spend on groceries, gas, or monthly household bills. Here are details about how to save on just about everything, so that you can re-direct your money towards your goals.

Budgeting 101
Budgeting is the key to managing your money. Learn how to create a realistic budget. View sample budgets, track your spending, budget for goals.