Money in Your 20s Sitemap - Page 1 2016-09-26
How Can I Pay for College by Myself?
Paying for college may seem overwhelming, especially when your parents can't help you, but it is possible to pay for college yourself. Learn how.
Advantages of Credit Unions
Credit unions offer a customer friendly model with a focus on the best service and accounts possible. Learn if a credit union is right for you.
Are U.S. Savings Bonds a Good Investment?
Learn whether or not you should consider U.S. savings bonds as an option for your saving and investing needs.You may be surprised at the answer.
What Bank Accounts Do You Need? (Understanding Basics)
There are many bank account options available to you. Learn what bank accounts you should have to make your life easier.
Savings Goals - How Can I Increase the Amount I Save?
To build wealth you need to set realistic savings goals. Learn how you can work to improve the way you save money on a regular basis.
Weekend Challenge 39: Planning Out a Monthly Menu
This weekend the challenge is to plan out a monthly menu. It will help you to save money on your food bill and to start eating at home more often.
Set Tangible Realistic Goals
Money in Your 20s.
Learn About Investing
Money in Your 20s.
Stop Eating Out
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Cancel Cable to Find Extra Money Each Month
Money in Your 20s.
Get the Right Amount of Insurance
Money in Your 20s.
Improve Your Job Skills to Change Your Finances
Money in Your 20s.
Find Additional Sources of Income
Money in Your 20s.
Protect Your Savings
Money in Your 20s.
Go on a Spending Fast
Money in Your 20s.
Stop Using Your Credit Cards
Money in Your 20s.
Read a Book About Personal Finances
Money in Your 20s.
Plan a Monthly Menu
Money in Your 20s.
Cut Your Monthly Bills
Money in Your 20s.
Make the Most of Your Employee Benefits
Money in Your 20s.
Start Budgeting to Change Your Financial Future
Money in Your 20s.
Increase Your Retirement Savings
Money in Your 20s.
Start Saving Each Week
Money in Your 20s.
Take Care of Your Student Loans
Money in Your 20s.
Pay Off Your Debt
Money in Your 20s.
Set Up a Financial Plan
Money in Your 20s.
Challenges to Help You Get Control of Your Finances
These 20 financial challenges will help you take control of your finances a step at a time. See how many you can tackle today.
5 Budget Hacks to Make Life Easier
Learn five budgeting hacks that will make sticking to your budget easier. These hacks are easy to implement and really work if you use them.
7 Ways to Stretch Your Money and Paycheck
Everyone needs more money. One thing you can do is stretch the money that you have. Learn how to do more with the money you are making now.
Should I Move When My Boyfriend Moves?
If your significant other gets a job out of state, you can move with him/her, try the long distance thing, or break up. Decide what's right for you.
I Can't Open a Checking Account, What Are My Options?
If you can't open a checking account, you may be wondering how to pay your bills, buy groceries or function financially. You can get buy without one.
What Is Loan Consolidation?
Loan consolidation makes managing your payments either. While it may be a good option for student loans, learn if it is a good option for all your loans.
What Is a Dental Discount Card?
A dental discount card can help you save money on your dental bill. It is not the same as insurance. Learn if a dental discount card is right for you.
Traditional Health Insurance Plan or a High Deductible?
A breakdown of costs with traditional insurance plans and high deductible plans. Learn how to choose the best insurance option for you.
How to Start Investing Without a Huge Minimum Investment
You may be frustrated by initial investment requirements to open a brokerage account. Learn how to lower those requirements.
Should I Use Budget Billing for My Utilities?
Budget billing allows the customers to have a set price on their monthly utility statements. Learn if this service is right for you.
The Difference Between a Credit Card and a Debit Card
Understanding what a debit card is and how it is different from a credit card can help you choose the best option when you are managing your money.
When Should I Put My Student Loans on Deferment?
If you are having a hard time paying your student loans each month, you may be considering putting your loans on deferment. Learn if it is right for you.
Will Bankruptcy Get Rid of My Student Loans?
Many people want to get rid of their student loans. Since student loans are federally insured, they are not usually excused during a bankruptcy.
Differences Between Accountants and Financial Planners
An accountant or a financial planner can help with complicated financial situations. Find out which is better for you.
Establishing a Basic Budget - Personal Finance
Learn the seven essentials steps you need to follow to set up a successful budget. These easy steps will streamline the budgeting process.
How to Budget as Couple Without Fighting
Learn the best way to begin budgeting together. This tutorial will help you set up your budget as a married couple and help you prevent money fights.
How to Track Your Expenses and Stick to Your Budget
Learn how to effectively track your expenses so that you can make your budget work for you. Once you set up a system, it is easy.
Traditional Health Insurance
Traditional health insurance works in a system of copayments and coinsurance. Understanding how it works can save you money on your healthcare costs.
A Review of Suze Orman's 2009 Action Plan
Suze Orman has written a book that addresses what you need to do to protect your money during the 2008 economic crisis.
Do I Need A Living Will?
A living will is an end of life directive. It can help your family make decisions if you have a terminal illness or end up in a vegetative state after an accident.
Dental insurance can save you money when it comes to taking care of your teeth. Learn how to decide if a dental plan is a good option for you.
Vision insurance can help you to save money on your vision care. If you need glasses or contacts vision insurance is a great option for you.
Is Buying a Car an Investment?
Many people mistakenly think that buying a car is an investment, but cars decrease in value over time, and it should not be considered an investment.
How Does a Slow Economy Affect My Investing Strategy?
You may want to make different financial decisions when you are investing in a slow economy. Learn the basic investing strategy you should follow.
Should I Get a Second Mortgage?
A second mortgage is a smaller loan against your house. You may use it for a down payment or to cash out the equity from your home. Learn how to apply.
Fixed Interest Mortgage - Traditional Mortgage
A fixed rate or traditional mortgage allows you to lock in your interest rate on your loan. It is the safest type of mortgage to choose.
What If I Can't Find a Job? - Unemployment Tips
With the difficult job market you may be having a hard time finding a job. Learn what you can do to survive financially while you look.
What Will Happen to Me if I Am Put on Furlough?
Furlough is when you have a forced unpaid leave. These tips will help you prepare for a furlough, no matter what financial situation you are in.
Eight Basic Steps to Buying Your First Home
Buying your home is huge commitment and a time consuming process. It is important that you understand each of the steps on your way to home ownership.
Merge Your Finances, Married Finances Guide
Married finances can be frustrating. Learn the steps you need to take to merge your finances with your spouse, so you can start your marriage off right.
How to Sign Up and Use Your COBRA Insurance Options
Learn how to use COBRA insurance. This is an option that can save you money and allow to keep coverage even after you lose your job.
How to Find a Financial Planner
A financial planner can help you reach your financial goals more quickly.When you start financial planning in your twenties it easier to reach your goals.
How to Find an Affordable First Apartment
Renting your first apartment can be a daunting process. Learn how to rent your first apartment and ways to find better deals on your rent.
How to Clear Up Your ChexSystems Report
If you have been reported to ChexSystem, you may have a difficult time opening up a checking account. Learn what you can do clean up your report.
How To File Self-Employment Taxes
If you are self-employed you need to know how to file your self-employment taxes. Learn five steps to help you pay your taxes correctly and on time.
How to Check Your Credit Report - How to Get Your Free Annual Credit Report
Checking your credit report can help you protect yourself from identity theft and before you apply for a loan. Learn how to do it for free.
How Do I Prepare for a Possible Layoff? - Help! I Might Lose My Job
Whenever there is a recession, many companies resort to layoffs to protect their bottom line. Learn the steps you need to do in order to survive.
Buy Your First Professional Wardrobe
Buying your first professional wardrobe can be expensive. Here are tips to help you save money while still dressing professionally.
Should I Begin Saving for Retirement While I'm in College?
The earlier you start saving for retirement the better off you will be. But does this advice apply when you are still attending school?
Do I Need Umbrella Insurance?
Umbrella insurance protects your assets if you are sued. However if you don't have many assets then you may not need umbrella insurance.
Independent Contractor - What Is an Independent Contractor?
An independent contractor can work from home or in an office. He must pay all of his taxes on his own, and provide his own benefits.
Apply for a Student Loan - Apply for a Pell Grant
A federal student loan or a Pell Grant will help pay for college. The application for both options is the same.
Why Shouldn't I Get a Large Tax Refund?
Some people look at a large refund as a savings tool. But is it really? Learn if you should plan for a larger or a smaller tax refund.
Should I Use the Investment Services at My Bank?
Many banks offer investment services to their more affluent clients. Learn if banking investment services are a good option for you.
Should I Get a Private Student Loan?
Private student loans can cover financial gaps left after you've exhausted Pell Grants and federal student loans, but be careful about how much you borrow.
Setting Goals for Your Budget
Learn why you need to set goals for your budget each year. If you can create an annual plan, you should be able to make your budget work.
Find a Car Insurance Policy
Looking for the best car insurance rate takes time, but the savings is worth the effort you spend on it. Learn how to find the lowest rates possible.
Dealing with Financial Infidelity
Dealing with hidden accounts and purchases can ruin your marriage. Learn how to cope with financial infidelity.
Tips on Finding Furniture for Your First Apartment
Moving into your first place is fun, but it also means you need to find a way to furnish your entire furniture. Learn cheap ways to find furniture
5 Ways to Save on Summer Spending
The summer lends itself to lots of extra spending. Learn five easy strategies to help you survive the summer without going broke.
Surviving Self Employment When Your Work Dries Up
If you are self-employed a poor economy can hurt you just like everyone else. Learn how you need to prepare for times when business slows down.
Can I Have More Checking Accounts at Multiple Banks?
It is possible to have multiple checking accounts at the same bank or different banks. Learn the smart way to handle multiple accounts.
Use These Christmas Saving Strategies Save on Your Holiday Expenses
The holiday season is a very stressful time for most people. Learn how these Christmas savings strategies can help reduce financial and emotional stress.
AmeriCorps and Teach for America - Paying for College
The AmeriCorps and Teach for America programs are designed to help you pay for college. These programs emphasize giving back to the community.
Splitting Up a Household After a Break-Up
The break up of a serious relationship can be difficult. Learn how to recover financially when you break up with your live-in boyfriend or girlfriend.
When Your Spouse Won't Participate in a Financial Plan
Money fights can really hurt a marriage. Learn how to help your spouse start participating in managing your money.
Going Frugal Without Feeling It
There are so many negative connotations with the word frugal, when in reality it just means planning to use your money wisely.
Surviving Between College Graduation and Your First Job
Many people find the time between graduating from college and finding your first job difficult. This guide will help you survive it.
Help! I'm Stuck Living a Home
Living at home with your parents may help you save money and help you fix a bad financial situation. Learn how to cope with moving back home.
Should I Roll My Old Car Loan Into My New One?
Are you getting ready to trade in your car and roll your old loan into a new one? Learn if rolling your old loan into your new one is a good idea.
What Happens to My Parents' Finances When They Die?
Learn how to deal with your parents' finances after they pass away. It helps to be prepared before it happens so you know what to do.
Weekend Challenge 27: Identifying Your Budget Weaknesses
Each person has a different set of budget weaknesses. Learn how to identify and address those areas, so you can take control of your budget.
Weekend Challenge 42: Can You Lower Your Utilities?
Your challenge for this weekend is to find ways to save on your utility costs. The extra projects can mean a lot of savings over the winter months.
Caring for Your Parents As They Age
It can be tough to talk to your parents about living wills, retirement plans and their long-term care plans, but you need to. Learn how to start.
How Should I Handle My Finances During Bad Economic Times?
During uncertain economic times, it can be difficult to know how to handle your money. These five steps will help you handle your money wisely.
Is Opening a Christmas Savings Account a Good Idea?
Learn the advantages and disadvantages of a Christmas savings account so can decide if a Christmas savings account is right for you.
What Is the Difference Between a Sinking Fund and an Emergency Fund?
People often confuse sinking funds and emergency funds. They also use their emergency fund, when they should be setting up a sinking fund instead.
How Much Should You Borrow to Pay for College?
Learn the steps you need to take before you borrow money for school. These steps will help you to save money and reduce your student loan debt.
5 Questions to Ask Before You Buy a Car
Learn the four most important things to consider before you buy a car. These rules will help you avoid making any mistakes and can save you money.
What If I Can't Afford to Work When I Have Kids?
Sometimes it doesn't make financial sense to work when you have children if you pay more in childcare than you earn. Learn what to do in this situation.
Do I Really Need a Down Payment When I Purchase a Home?
Many lenders are offering alternative financing when it comes to purchasing a home, but there are benefits to having a down payment saved up.
What Should I Do If I Can Only Find a Part-time Job?
In this job market, some employers are only offering part-time work. Learn about living on a part-time job and strategies to help you make it.
Financial Planning for a Special Needs Child
Learning that your child has special needs can turn your life upside down. Learn what you need to save for even when your child is very young.
5 Ways to Save on Your Summer Vacation
When times are tight, you may be cutting back on your vacations. Here are five ways you can save money and still enjoy your summer vacation.
Raise Extra Money by Selling Stuff
If you need extra money one good way to get it is to sell your stuff. Learn how to choose the best strategies for selling your stuff.
Your Financial Future as a Stay at Home Mom
If you choose to stay at home, then you need to make sure you are takings steps to protect your financial future. Learn what to do.
Health Insurance Options - Money Saving Tips
If you are truly broke, and you need medical care, you should get it. Many cities offer free clinics that offer sliding scale fees based on your income.
What If My Spouse Gives Me an Allowance or House Money?
An allowance may be a sign of deeper financial and marriage issues. Learn if your situation is throwing up warning signals for your marriage.
What Forms Do I Need to File My Taxes?
Before you file your taxes you need to make sure you've received all of the forms from your employer, bank, and investments. Learn what these forms are.
Is There a Tax Break on Student Loan Interest?
You can take a deduction for your student loan interest. The deduction can be taken even if you do not itemize your taxes. Learn more.
Understanding the 2008 Economic Crisis
The 2008 economic troubles seem to be blamed on the subprime mortgage market. Why did this start and how will it affect you in the long run?
Will the Government Bailouts Stop the Looming US Economic Crisis?
Learn if the government bailouts were able to help with the economic crisis of 2008. Page 2.
How Does the Economic Crisis Affect Your Personal Finances?
You may be concerned how the recent crises in the housing market and on Wall Street affect your personal finances. Page 3.
Reasons Why You Should Budget Your Money
The thought of budgeting often brings a negative response from people. Budgeting doesn't have to be negative. It gives you control over your finances.
Successful Budgeting Practices and Habits
Budgeting is hard, but there are steps you can take to set yourself up to be successful at. Learn tricks you can use to make budgeting easier.
How to Break the Fast Food Habit to Save Money
The fast food habit can cost you big. Learn tips that can help you break the fast food habit and make cooking at home easier and cheaper.
Forgotten Budget Items That May Blow Your Budget
Forgotten budget items can make it hard to stick to your budget. Here are seven things people forget to put in their budget.
Budgeting for Gifts - A Guide to Budget for Gifts that You Can Afford
Tackling gift giving can be complicated, especially when you consider the office, the holidays, and special occasions. Set up a holiday budget now.
Budgeting When You Are Paid Once a Month
When you are paid on a monthly basis, it can be difficult to make your paycheck last for the entire month. Learn how to make a monthly budget work.
6 Simple Strategies to Save Money on Groceries
Many people struggle to cut their spending on their grocery bill. However, you can save money on groceries by employing these six strategies.
5 Ways to Slash Spending
Learn five easy ways that you can cut your spending. These ideas are simple to implement and can help you start saving money today.
Practical Ways to Save on Food
Learn practical ways to save money on your food bill while still eating healthy. These practical tips are easy to implement.
Find the Right Budget Program for You - Budgeting Systems that Work
Writing down your budget is just the first step. Making it work is hard, finding the right budget program and system will help you with your budget.
Simple Solutions to Stop Overspending and Eating Out
One area where you will need to spend money each month is on food. Here are four strategies you can use to reduce your food bill each month.
Questions to Ask Before Going Back to Graduate School
On the surface, graduate school may be very appealing. However, it may not be the right decision for everyone. Learn if it will help you.
How to Find a Telecommuting Job - Telecommuting Tips and Tricks
Telecommuting has several advantages, but it can be tricky to find a job and manage work and family obligations. Learn how to start telecommuting.
Should I Work for More Money Even with More Stress?
Struggling to find the balance between money and living life? Learn three questions you should ask when deciding to stay with a stressful job for the money.
10 Ways You Can Take Control of Your Finances Today
Learn what you can do today to start taking control of your financial future. Even following just one of these suggestions can make a difference.
Are You Stuck in a Financial Rut? Start Changing Your Finances Today
It can be frustrating when you are stuck in a financial rut. Learn the changes that you can make to help break free and reach your financial goals.
Money for College: Pell Grants - Eligibility and Rules
A Pell Grant is a great source of funding for college. It is needs based, so it looks at your income, savings and your parents' income.
Five Things You Shouldn't Buy for College
Moving out on your own, even to a dorm room, can be expensive. Learn what to skip buying and what you definitely need. Plus learn ways to save.
Christmas Gift Tips - Five Christmas Tips to Help You Save Money on Gifts
Learn five tips that will make finding the perfect Christmas gift easier without putting too much strain on your budget this year.
Five Reasons to Work While Going to School
Working while in college can be a difficult juggling act. Learn the benefits of going to school and working. Plus pick up tips to make it easier to manage.
What Happens If I Don't Have Health Insurance?
The Affordable Care Act enacted penalties if you do not get health insurance. Learn the consequences if you do not sign up for health insurance.
New vs Used Car - Buying Advice and Tips
Learn the advantages of buying a new car and the benefits of buying a used car so that you can decide which model is the best option for you.
How Much Can I Afford to Spend on a Home?
It can be difficult to determine how much you can afford to borrow when it's time to purchase a home. Learn how to tell how much home you can afford.
5 Strategies to Deal with Financial Stress
Money stress can overwhelm your life. Learn 5 strategies you can implement today to help you start managing your finances and reduce the stress.
Weekend Challenge 35: Thinking About Family Financial Planning
This weekend your challenge involves planning for your children's future. Learn the steps you need to take to help protect your kids and their future.
Make Christmas Shopping Easier
If you dread shopping for the holidays, you are not alone. Learn what you can do to make the entire process easier and save money at the same time.
Handling Your Finances During a Divorce
If you are going through a divorce, you need to take a series of steps to protect yourself financially. Learn what you need to do.
Inexpensive Valentine's Gift Ideas
It's important to let your significant other know just how much you care. Learn five inexpensive gifts that will show just how much without breaking the bank.
Weekend Challenge 43: What About Extended Family?
The challenge this weekend is designed to help you get ready to deal with the sticky situations that may come up with your extended family and finances.
How Do I Find Out What Insurance I Qualify for Under the Affordable Care Act?
With the new health insurance requirements under the Affordable Care Act, you have additional health insurance options. Learn where to find them.
Tips on Handling a Pay Cut
If you are facing a pay cut you need to be prepared before the pay the pay cut comes. These tips will help you prepare for the pay cut.
How to Save Money in Your Twenties
Establishing a solid habit of saving money while in your twenties will make it easier to be successful in your financial life.
5 Alternatives That Can Help You Save Money
When people think about budgeting, they think about cutting back on the things that they love Here are five alternative ways to cut back on your bills.
Create a Budget for College
Creating a budget for each school year is essential if you want to reduce the amount of debt you graduate with. Learn to create a budget that works.
Find Ways to Cut Your Food Bill
Learn five things you can do to save money on your food budget each month. You can pick and choose the strategies that will work best for you.
What Is a Consolidation Loan?
Consolidation can help you lower your monthly payments, but there are negative sides. Learn what to watch out for when you consolidate.
Will My Poor Credit Affect My Job Search?
Your credit report may have an affect on your ability to find a new job. Learn to address a poor credit history and still land the job you want.
Managing Money During Maternity Leave
You may not get paid while on maternity leave, but you will still need to pay the bills. Learn how to plan and budget for your maternity leave.
Should I Use a Dental Discount Card or Dental Insurance?
Dental care can add up. If you need a crown and root canal, you can easily spend more than $2000. Decide dental plan vs dental insurance.
How to Pay for College Without Student Loans
If you are balking at borrowing money to pay for college, there are alternatives to student loans.Learn what you can do to graduate from college debt free.
Paying for Your Wedding - Don't Start Your Marriage in the Red
Your wedding is the beginning of your marriage, do not start off your marriage by overspending. Learn how to save on wedding expenses.
Managing Your Money While in College
Good money habits begin in college learn five basics things you can do to improve your financial outlook and build a solid future once you graduate.
Benefits of Paying Off Student Loans Early
There are a wide variety of benefits to paying off your student loans early. Learn the benefits of working to get pay off your student loan debt now.
Understanding Your Employee Benefits
When you start working you will receive many employee benefits. It is essential to understand these employee benefits and take advantage of them.
Manage Your Credit - Four Steps to Make the Most of Your Credit
Learn four things you can do to take control of your credit. This will make it easier to qualify for lower interest rates on your loans.
Seven Holiday Shopping Mistakes
These holiday shopping tips will help you to avoid the common spending mistakes that many shoppers make in the holiday rush.
Understanding Your Paycheck Withholdings
Learn exactly what is being withheld from your paycheck and why. You will learn what all those abbreviations mean and where the money is going.
7 Signs You Don't Make Enough Money
Learn the seven signs that will tell if you do not make enough money. If you have any of these signs, you need to take steps to change your situation.
Not Making Enough Money? Five To-Dos
If you are having a hard time paying for your basic expenses you need to fix the situation now. Learn five things to do to turn the situation around.
What to Do When You Can't Afford Your Car Payment
If money is tight you may be looking for a way to lower your car payment. You need to carefully asses your situation and decide what is best.
15 Easy Ways to Save Money Today
You should try to save money every day. Learn 15 easy things you can tackle today to start saving money. These small things add up to big savings.
15 Easy Ways to Save Money Today
You should try to save money every day. Learn 15 easy things you can tackle today to start saving money. These small things add up to big savings.
Top Seven Reasons to Save Your Money
Learn the top reasons to save. Saving your money will help you reach your financial goals, provide financial security and let you have fun.
4 Ideas to Help You Increase Your Income
If you are having a hard time making ends meet, or saving for a house, you may be looking for ways to increase your income. Learn four ideas.
Should I Convert Term to a Whole Life Insurance Policy?
Converting your term life insurance policy into a whole life policy may not be the wisest financial move. Learn why.
No Credit History vs Bad Credit: What's the Difference?
Having no credit or bad credit can make it difficult to qualify for a loan or a mortgage. Learn how to solve this problem to improve your credit.
Is a Secured Loan a Good Option?
Secured loans are guaranteed by collateral. They often have lower interest rates because they are less of a risk for the bank.
How to Recover From Being Overdrawn
Take these 5 steps to clear up your overdrawn account. Act quickly to turn this negative situation around and stop it from happening again.
Questions to Ask Before You Take Out a Loan
There are five questions you should ask yourself before you borrow money. Learn what they are and whether or not you should take out that loan.
What Does It Mean to Be Vested in My 401k?
Before you are vested in your 401(k), you may not have access to all the money. Learn what this means for you before making any big decisions.
What If I Don't Qualify for Unemployment Benefits?
You can be without a job and not qualify for unemployment. If you find yourself jobless with no benefits, these steps can protect your finances.
Set Up an Effective Financial Plan
It is important to have a financial plan at any age. Learn what you need to do to create a solid financial plan that will work for you.
When to Use a Basic Savings Account
A basic savings account is easy to use, and many people's first bank account. Learn when it is a good option and when you should switch.
Is Leasing a Car a Good Financial Decision?
Many people wonder if leasing a car is a good idea. It may appear to be, but you end up always having a car payment. Learn if leasing is right for you.
5 Things Your Budget Might Say About You
Your budget says a lot about you as a person and how you face life's challenges. Learn what your budget (or lack of one) might be saying about you.
5 Habits That Can Cost You Big
The habits you establish now will affect you in the future. Learn five habits you should stomp out now to make it easier to win financially.
Are Your Financial Goals Achievable?
Learn if you are setting realistic goals. These five questions will help you set achievable goals and make lasting changes with your finances.
Tips to Help You Manage a Working Two Jobs
Working two jobs may be the only way that you can get out of debt or save money to buy a house. Learn these tips to make it more manageable.
Paying for Medical Charges with No Health Insurance
When you don't have health insurance medical expenses can add up. You need to take a proactive approach to dealing with your medical bills.
What Percentage Should I Save for Retirement?
It's important to start saving for retirement, but you may not know how much to save. Learn how to determine how much to save for retirement.
Don't Let Your Resolutions Blow Your Budget
Your goals can affect your budget. Learn how to plan so that you won't bust your budget while working on your current goals.
Should I Take an Unpaid Internship?
Internships are a great way to build your resume while in school. It can be difficult to manage an unpaid internship. Learn your options.
Should I Borrow Money to Help Out My Parents?
If your parents need help, it is nice to give it to them when you can. However, borrowing money for them isn't a great idea. Learn why.
What Happens If I Can't Pay My Mortgage Anymore?
If you are worried about being able to pay your mortgage payment, you may want to wait to purchase a home. Learn why here.
How Can I Manage My Money?
Learn the areas that you need to take control of your money. Once you master theses three things, you will no longer need to worry.
What If I Unexpectedly Become a Guardian for My Siblings?
Learn what you should do when you become unexpectedly become a guardian to your siblings or other relatives. A plan is essential to help you survive.
Can the Bank Make Deposits to the Wrong Account?
If a bank accidentally deposits money into your account, you can't spend it or you will be responsible for paying it back. Learn more in this article.
Cutting back to a bare-bones budget can help you during a crisis. Learn what you need to cut and what you should keep when you are cutting everything.
Do You Have Little to Show for Your Hard Work?
It can be frustrating to be working hard, but really never going anywhere. Learn how to change your financial situation so you can see the changes.
9 Financial Skills You Should've Learned in High School
Learn the nine things you should know about money before you graduate from high school. These easy lessons will make life much easier.
5 Ways to Lower Your College Cost of Living Costs
The estimated living costs for college are often too high. Learn ways you can save money while going to school. These 5 ideas are easy to implement.
How Do I Deal with Identity Theft by My Spouse?
Dealing with identity theft by a spouse can be devastating. Learn what to do if your spouse opens a loan in your name without your knowledge.
How a Budget Is Like a Fitness Tracker
Your budget is a powerful tool to help you get control of your finances. Learn how it works similarly to a fitness tracker and change your finances.
5 Things to Do to Get Ready to Buy a Home
These five steps can help you prepare to buy a home. These steps will make it easier to qualify for a good mortgage. Learn what you can do now.
Carrying Frugal February Through the Year
Take your Frugal February Challenges and carry them with your throughout the next year. Your new habits can help you save a lot this year.
What If I Don't Qualify for a Pell Grant?
Paying for college on your own can be daunting, especially if you don't qualify for a Pell Grant. Learn how to tackle paying for college on your own.
How Will a Second Job Affect My Taxes?
A second job may change the amount you need to pay on your taxes this year. Learn how you should change your withholdings so you do not end up owing.
What Is a Debit Card?
It is important to understand what a debit card is and the rules associated with using a debit card. Learn precautions you need to take with your card.
If I Might Lose My Job Should I Pay off Debt or Save the Money?
If you know you might lose your job, you may be panicking. Learn how to prepare yourself financially for the times when you are between jobs.
Always Running Out of Money Before the End of the Month
It can be frustrating to be tight on funds during the month. Learn solutions to help you stop running out of money during the middle of the month.
Is the 50/20/30 Budgeting Method Always a Good Option?
The 50/20/30budgeting philosophy can help you balance your budget between your goals, living expenses, and fun money. Learn how to implement it.
5 Reasons Not to Buy a House and 5 Reasons You Should
Buying a home is a big decision. Learn five reasons to buy now and five reasons to wait until later to buy your first home.
What Is The Hold Time for an Out of State Check?
When you deposit a large out-of-state check, your bank may put it on hold. Learn why, how long the hold may last, and what you can do in this situation.
I Make Decent Money, But I Can't Cover My Bills
When you make a good salary, it can be frustrating to be barely scraping by each month. Learn how to diagnose and fix the issue.
Is It Possible to Pay for College Without a Job?
If you are struggling to work and attend school at the same time, you may need to consider other options to help you pay for school. Learn five.
Breaking Free From Your Financial Family History
Your financial life does not need to be defined by the mistakes your parents made. Learn how to break free of the financial cycle.
7 Ways to Stop Dipping Into Your Savings Account
If you keep dipping into your savings, you will not be able to build wealth or reach your financial goals. Learn seven ways to stop.
I Can't Budget Because I'm Too Poor
When money is super tight, you may feel like you are too tight to budget. Things may not add up on paper, but a budget can still help you.
Can You Save Money by Ditching Your Cell Phone Contract Plan?
Learn how to compare cell phone plans to see how much your contract plan is really costing you each year. You may be surprised at what you see.
How Do I Tell When to Use My Credit Card or Debit Card?
Learn when you to use a debit card or a credit card for different purchases. Understanding each situation can help you make good financial choices.
5 Excuses Why You Won't or Don't Budget and How to Solve Them
Do you use one of these five excuses to justify not budgeting? Learn what you can do to make your budget work and get rid of your excuses.
When Should I Combine Finances with My Partner?
Learn if it is ever a good idea to combine finances before you are married. Learn how to divide expenses and handle financial situations as a couple.
Is There Ever a Reason to Not Combine Finances Once You Are Married?
Although it's best to combine finances once you're married, there are some situations where you shouldn't. Learn about each and how to deal with them.
Frugal February Challenge
February is a great month to try to be more frugal. Take the challenge and choose one or all of these five ideas to help you save more money.
Five Fun Frugal Activities
Learn five fun frugal activities that you can do with your friends without breaking the bank. These ideas are easy and don't cost a lot.
How I Saved $150 By Sitting on Hold for Eight Minutes
It can pay to sit on hold for a few minutes, especially when it comes to medical expenses. Learn how it can help you save on your medical bills.
Learn How to Make Your Budget Work for You
Your needs and goals will change over time, and so you should evaluate your budget on a periodic basis. This is easier than setting up your budget.
What Does It Mean to Self-Insure and Should I Do It?
People sometimes plan to self insure themselves instead of purchasing insurance. Carefully consider the risks against the benefits of self-insurance.
5 Ways Your Student Loans Are Hurting You
Too much student loan debt can have a long lasting affect on your financial future. Learn five ways your student loans may be hurting you.
Learn How to Fix Financial Problems and Mistakes
Anyone can make a financial mistake. If you are worried about your finances, it is important to take action to correct the problem. Learn what to do.
How Do I Save for Retirement Without a 401(k)?
You may not qualify for a 401(k) account through your employer. Learn what retirement savings options are available to you and how to use them.
Are You Dealing With Your Finances in Panic Mode?
Making your financial decisions based on fear means you are not making the best decisions. Learn how to change how to handle your financial decisions.
Can You Handle a $500.00 Emergency?
Can you handle a simple emergency of just $500.00? Learn what you can do to prepare for future emergencies and to stop your stress.
How to Recover From a Overspending
Panicking because you overspent? These 7 steps can help you recover from a financial hangover. Learn what you can do to minimize the damage.
Is It Better to Finish College Faster or Debt Free?
It can be difficult to decide how much to work and how much to borrow as you go to school. Learn how to make the right choice for you.
7 Steps to Get Out of Survival Mode and Start Thriving Financially
Are you tired of barely getting by each month? These 7 steps can help you start thriving financially. Learn what you can do to change your finances.
Making Your Financial Resolutions Stick
Are you tired of not reaching your financial goals? Learn five things you can start doing to make reaching your goals easier.
Budgeting Can Help You Change Your Financial Picture
If you want to change your finances, there is one thing you need to start doing. A budget gives you control of your money and lets change your finances.
25 Savings Tips for 5 Common Spending Areas
Learn 25 ways you can save money in 5 areas where most people end up overspending. These tips are easy to implement and offer big savings.
4 Contracts to Avoid Signing in College
College students are on a tight budget. Long-term contracts can put a serious dent in your budget. Learn how to get what you want without a contract.
Small Expenses That Can Add Up to Overspending Issues
Every day you spend small amounts as you go throughout your day. These small transaction can add up quickly. Learn how much they are really costing you.
5 Ways to Reduce Your Student Loans
Student loan debt can add up quickly and put a serious crimp in your future. Learn what you can do to reduce your student loan debt while in school.
What Do I Do if I Have No Savings?
Operating without savings is like swimming without a life vest or walking a tightrope without a safety net. Learn how to change and start saving today.
Help! My Bank Closed My Account
When your bank breaks up with you, you may be scrambling to manage your money and pay your bills. Learn what to do when your bank closes your account.
Can I Be Too Frugal?
It is important to find a balance between extreme frugal habits and enjoying life. Learn how to tell if you are being too frugal.
Avoid a Hold on your Checking Account
Depositing a large check is just one transaction that can trigger a hold on your account. Learn how to deal with them to get your money more quickly.
How Should I Use My Bonuses in My Budget?
When you get bonuses at work, you may want to include that in your budget. Learn why you should not use your bonus as part of your overall budget.
What If My Spouse Won't Combine Finances?
It can be frustrating when your spouse won't combine finances. Learn how to cope with this issue and handle your common household expenses together.
Should I Give Into Pressure to Buy a Home?
People may be pressuring you to buy a home, but you don't feel ready. Learn how to respond and how to tell that you are ready to buy a home.
5 Budget Fixes for Common Problems
Learn budget fixes for some of the most common budgeting problems that people face. These solutions can help you get your budget to work.
What Do You Want to Change About Your Finances?
If you want to change your finances, you need to set a clear plan with goals. You can do this at any time of the year. Learn how to set up your plan.
How Will Selling My Stocks Affect My Taxes?
When you sell an investment, then you are responsible to report that income on your taxes. Learn what you need to report and how to do it correctly.
How Will Owning Stocks Affect My Taxes?
Can you be taxed on dividends? It is important to understand the implications of owning stocks, so you are not surprised at tax time.
A Review of "Personal Finance for Dummies"
This book is a basic reference book that covers the area of personal finance. Learn if reading Personal Finance for Dummies will help you.
"The Millionaire Next Door" Explains the Money Habits of Millionaires
The Millionaire Next Door will change the way that you think about and manage your money. This review helps you to decide if this book is right for you.
Is Buying Real Estate a Good Investment?
Real estate can be an excellent investment. Learn tips that can make handling the rental property easier and make your investment pay off.
Retirement Planning if You Stay Home with Your Kids
If you are staying home to take care of your kids, you may be neglecting saving for retirement. Learn the retirement saving options are available to you.
A Review of MoneyWiz
Moneywiz is a program designed to help you manage your money. If you are looking for a solid financial software program, you should check this out.
How Will a Financial Plan Help Me?
Without a financial plan it is difficult to reach your goals. Learn why a financial plan is so important to help direct your focus and goals.
What if I Don’t Qualify for a Car Loan?
A car can be a necessity. If you do not qualify for a car loan, you may have a difficult time. Learn what options you have available to you.
Charitable Giving Take Advantage of the Tax Deduction
When you give money or good to charity, you can claim it on your taxes. Learn the IRS guidelines, so you can claim the money now.
Weekend Challenge 44: Building Wealth
This weekend the challenge is designed to help you get on the path to building real wealth. Building wealth takes time and commitment.
Certificate of Deposit (CDs) Glossary Definition
A certificate of deposit (CD) locks your money in at a set interest rate for a certain period of time. Learn the pros and cons of investing in CDs.
Money Market Accounts
A money market account through your bank is a savings tool with higher interest rates, but strict rules. Learn if a money market account is right for you.
Before You File Your Taxes - Some Considerations
Filing your taxes can be much simpler than you realize. Learn the seven things to consider before you sit down to file your taxes.
Do I Need an Accountant to File My Taxes?
An accountant can help you file your taxes but if your situation is not complicated you can file yourself. Learn how to tell if you need an accountant.
Free File - Free Tax Filing Software
Learn if you qualify for the Free File program offered by the IRS. This program can save you the cost of software, as well as the fees usually associated with e-filing your taxes.
Should I Get a Refund Anticipation Loan?
Learn what a refund anticipation loan (RAL) or tax refund loan is and whether or not you should get one. This loan has hefty fees and interest rates.
A Review of "The Tightwad Gazette"
The Tightwad Gazette is full of advice on saving money and living frugally. It is a great book for people wanting to increase the amount they save.
"The Total Money Makeover"
What Types of Debt Are Bad?
If you borrow money to pay for the fun things you do, you may be accruing bad debt. It is i important to understand bad debt and how it affects you.
Why Are Savings Account Rates So Low?
The interest rates on savings accounts are determined by the Federal Reserve Board. Learn how the rate is determined and alternative savings options.
What Is a Pension Plan and Should I Have One?
Your company may offer you a pension plan instead of a 401(k). Learn how to plan your retirement with one of these to save.
How Will Investing in a 401(k) Affect My Take Home Pay?
Many people are hesitant to invest in their 401(k)w because they are worried about lowering their take home pay, but it may only slightly lower it.
401(k) Basics Guide to Help You Reach Your Retirement Goals
Your employer may offer a 401(k) option for your retirement. Learn what the 401(k) basics and how to use it to help you reach your goals.
What Are the Advantages of the Roth 401(k)?
A Roth 401(k) is similar to a traditional 401(k), but offers different tax savings options. Learn the benefits of a 401(k).
How to Rollover Your 401(k)
If you are changing jobs you may decide to rollover your 401(k) into an IRA or into your new employer's 401(k) plan. Learn how to do it.
What Is Good Debt? --Are Some Types of Debt Justifiable?
Good debts are debts that some people feel are justifiable. These are debts like your student loan or mortgage. Learn how to tell if you have good debts.
What Is a Payday Loan? - Definition and Dangers
A payday loan is a loan with extremely high interest payments. It is a short-term loan that is offered through a business and not a bank.
Options for Opening an IRA
When opening an IRA, there are many investment options you can choose from. Learn the different options available in your own IRA account.
Should I Open a Roth IRA or a Traditional IRA?
When choosing your IRA, you may be trying to decide the advantages with a traditional vs Roth IRA. Learn the advantages of each type of account.
A Roth IRA is a retirement account with tax advantages. Although your contributions are taxed, your earnings are not. Learn if this is a good choice for you.
A traditional IRA (individual retirement account) allows you contribute tax free. You need to understand the rules surrounding this account.
What Is a 403(b) Plan?
A 403(b) plan is similar to a 401(k) plan. Learn how much you should be putting in your 403(b) plan each year, and how to save for retirement.
High Deductible Health Insurance - What Is High Deductible Health Insurance?
High deductible health insurance is an option if you are looking for insurance. Learn the pros and cons of going with high deductible health insurance.
When Should I Use Short Term Health Insurance?
Short term health insurance can cover the gaps you have when switching health insurance plans. It is inexpensive and can save you a lot of money.
How to Choose the Right Health Insurance
Finding the right health insurance that covers everything you need can be difficult. Learn how to choose the best possible policy.
What Is a Checking Account?
A checking account is a bank account that allows you to access your money with a check or debit card. Learn how to manage a checking account.
What Is Overdraft Protection?
We all make mistakes, and so it is important to have some type of overdraft protection in place. Learn how to spot the bad plans and to find the good.
Can You Trust the Balance You Get at the ATM?
When you check your available balance at the ATM, it is a mistake to assume that it is an accurate balance. You may have outstanding transactions.
Why Is There a Hold on My Checking Account?
If you have been told that the bank is placing a hold on a deposit you made to your account, you may wonder why and what it actually means.
Balance Your Checkbook
Learn the basic steps to balancing your checkbook with and without a computer. This is an essential skill of managing your money successfully.
How to Close Your Checking Account
If you are moving, or just looking for a new bank, you need to know how to close your checking account. These steps will take you through the process.
How to Pay Your Bills Online (Simplify Your Finances)
Paying your bills online can save you time and money. Learn about the different options to pay online and how to decide the best one for you to use.
How to Keep a Running Balance of Your Checking Account
By keeping a running balance of your checking account, you can protect yourself from being overdrawn. Learn how to keep track in your account ledger.
I Don't Like My Bank! When Should I Close My Checking Account?
When you are frustrated with your bank, you may want to close your account. Learn what factors you should consider before closing your account.
What Is the ChexSystems Database?
If you have been reported to ChexSystems you may be wondering what you can do to take care of it. Learn how to clear up ChexSystems problems.
How to Resolve Discrepancies With Your Bank Account
Learn how to quickly resolve any discrepancies or unauthorized transactions you may notice in your checking account.
Protect Yourself After Your Checkbook Is Lost or Stolen
Do you know what to do when your checkbook is lost or stolen? Here are 5 steps you need to take to protect yourself immediately.
Dealing With Identity Theft by A Friend or Relative
Unfortunately identity theft is commonly done by someone who knows the victim. Learn the best ways to deal with the situation.
Will Paying Off Collections Raise My Credit Score?
Paying off old debts may not make an immediate change in your credit score, but it can help you to qualify for a mortgage and the way that banks view you.
Learn the Difference Between a Credit Report and Credit Score
Many people confuse a credit report and credit score. Learn the differences between a credit report and credit score and how to manage each.
Should I Get My Life Insurance Through Work?
When you are shopping for life insurance you may be tempted to use the plan that your work offers. Learn why you may not choose to use this life insurance.
Should I Choose Term Life or Whole Life Insurance?
There are two basic options for life insurance. Term life and whole life insurance offer different benefits. Learn what is right for you.
What Type of Life Insurance Should I Purchase?
Learn what benefits life insurance provides for you and your family. You will also learn which type of life insurance is best for your family.
Cancer insurance is designed to help defray the costs associated with cancer. Learn the positive and negatives about cancer insurance
What Should I Do With My Stock Options?
Stock options are one benefit that many employers offer. Learn whether or not you should take advantage of stock options, and what to do with them.
How Much Should I Put in My FSA?
Flexible spending accounts can help pay for your healthcare costs, but you lose what you don't use. Learn how to choose what to put in your FSA.
What Is Direct Deposit?
Direct deposit allows you to have your paycheck automatically deposited into your checking account. It is the easiest way to receive your money.
How To Stretch Your Paycheck (Reduce Your Taxes)
Learn things you can do to make the most of your paycheck, which can help you lower taxes and take full advantage of the many benefits your job offers.
Weekend Challenge 1: Setting Your Goals
Join us as we get financially fit. This program is set up with weekly challenges that allow you to get control of your finances this year.
Weekend Challenge 3 - Get Out of Debt
This week we are focused on forming your get out of debt plan. This plan will help you to focus the extra money you have to apply to debt.
How Should I Prioritize My Savings Goals?
Are you saving money, but you're not sure how to prioritize your savings? Learn to create a plan to give each dollar a purpose and ramp up your savings.
Is It Important to Track My Expenses?
Tracking your expenses can seem to be a lot of work, but it is one of the most basic ways to begin to take control of your personal finances.
Learn what an emergency fund is, how to determine how much to save and the best savings tool for it. Start working on your emergency fund now.
Sinking funds allow you to save up for planned expenses. They are a great tool to help you reach your goals. Learn how to utilize sinking funds.
Learn How to Plug the Leaks in Your Budget
If you are consistently wondering where your money is going, you may have a spending leak. Learn how to spot and stop your spending leaks.
How to Switch to Cash Only for Your Budget
Paying cash to cover all of your expenses may seem intimidating at first, but it is a great way to limit your spending. Learn how to make the switch.
Set Up an Envelope Budgeting System
The envelope budget is one of the simplest budgets to follow. Learn how to set up an envelope budgeting system to make budgeting easier.
Should I Invest Even Though I Have Credit Card Debt?
Investing money is the way to begin to build wealth, but if you are carrying a balance on your credit cards, you may not come out ahead. Learn why.
What Categories or Events Should I Have Sinking Funds for?
Sinking funds help you to avoid emergencies and debt. Learn the sinking fund categories you should include in your budget.
How Much Renter's Insurance Should I Get?
Renter's insurance is an easy way to protect your valuables. Learn how much you need and things you should consider before you purchase your policy.
Budgeting Tips to Help You During Inflation
Inflation can make it difficult to afford the things that you want or need. Learn tips that can help you survive inflation.
How to Trim Three Budget Categories
These tips will help you save money in three of most problematic budget categories. Saving money can help you reach your goals more quickly.
Trim Transportation Costs
Most people spend a significant amount on transportation costs each month. Learn how to cut back on your transportation costs. Page 2.
Trim Entertainment Costs
You can easily save money on the amount you spend on entertainment each month. Learn what you can do without totally blowing your budget. Page 3.
How to Set Up a Holiday Budget
The best way to stop overspending each year is to set up a holiday budget. It gives you limits so that you do not end up using your credit card.
Learn to Budget a Variable Income
Learn how to budget your variable income so that you avoid the headaches that come with the months where you make less than your expenses.
Are You Ready to Begin Investing?
Are you ready to start investing? Learn the five steps you need to take to great ready to invest your money and begin to build wealth.
6 Things to Do Before You Budget
Before you really begin to budget, you need to understand the process to make it work for you effectively. Learn six things to do before you budget.
When Should I Seek Debt Counseling?
Debt counseling may be an option if you are overwhelmed by debt. Learn when you consider it, and how to find a trusted debt counseling service.
How Can I Find Debt Assistance?
Many people find themselves overwhelmed by debt will look to others for debt assistance. Learn what you can do to find legitimate debt assistance.
How to Set Up a Debt Payment Plan in 6 Steps
If you are serious about getting out of debt you need a debt payment plan to accomplish your goal quickly. This plan will make the process easier.
How to Clear Out Bad or Old Debt
If you have debt that you haven't paid on in a long time, you may be wondering what to do about it. Learn how to clear out your old debt.
Dealing with Creditors When You Can't Pay the Bills
It can be difficult when you can't meet your monthly bills. Learn what you can do to deal with your creditors and get caught up on your payments.
Help Me Sell My Car When I Am Upside Down on the Loan
Learn how to sell your car when you are upside down on your car loan. These steps will help you get out of the car loan without ruining your credit.
Keys to Saving for Your Goals Successfully
Do you have a hard time reaching your savings goals? Learn how to set up a plan that will make saving for specific goals much easier.
Debt Settlement and Consolidation Guide
Debt settlement may be a good option for someone who is already behind on debt payments. Learn how to decide if debt settlement is right for you.
Solutions to Dealing With Debt
Too much debt is overwhelming, and ignoring the problem won't going to make it go away. Learn the pros and cons of the available debt solutions.
Strategies to Pay Down Debt
Learn 4 strategies that can gel you pay off your debt more quickly. Using a variety of strategies can help you tackle your debt more effectively.
Are You Underemployed? - Finding Jobs that Pay You What You Are Worth
If you have a job underpays you for your degree and experience, then you are underemployed. Learn what you can do to improve your situation.
5 Steps to Help You Choose the Right Bank and Account
Learn the five things you should consider before you choosing a banking account. This will help you save money in fees and other charges.
Choosing Between Banks and Credit Unions
You will learn the difference between banks and credit unions. It is important to understand what each offers to determine the best option for you.
What Should I Do If My Unemployment Benefits End?
Unemployment benefits do not last forever. Learn strategies and resources to help when your unemployment benefits run out.
How to Recover From Losing Your Job
Losing your job can throw you into a financial tailspin. Learn how to manage your money and look for a job so you can recover quickly.
Should I Open an IRA at My Bank?
Your bank should offer IRA accounts. These accounts are different then the IRAs available at your bank
What Is the FDIC and How Does It Work?
It is important to understand how the FDIC works. When your bank is FDIC insured, your money is guaranteed up to $250,000.
How to Put Student Loans on Deferment
Student loan deferment can help you save money in late fees and penalties if you cannot make your payment. Learn how to apply.
Lower Payments with Student Loan Consolidation
Student loan consolidation can lower your monthly payments and lock in your low interest rate. Learn how to successfully consolidate your student loans.
A Review of "Debt Free U"
Do you want to graduate from college debt free? Learn if Debt Free U by Zac Bissonnette can help you create a plan to reduce your student loan debt.
Help! My Student Loans Are Overwhelming Me
Often you do not realize how much you have borrowed in student loans until you graduate. Employ a few strategies to lower your student loan debt.
Changing Your Financial Habits
If you are not succeeding financially, you may need to make some drastic changes about the way you handle your money and your lifestyle.